The targets above are not achievable by one person. You will hit them through a field team, or you will not hit them.
Build the team. Recruit, train and deploy Market/Account Managers and adhoc canvassers sized to the market. Hire for hustle and local credibility — the trader must recognise your rep.
Make every rep a three-product seller. No rep is "the loan guy" or "the POS guy". Every field member must be able to open a collections conversation, qualify a loan, and spot an FX customer. Certify them, test them, and don't deploy anyone who can't do all three.
Set individual numbers, not team vibes. Every rep carries a personal target across book, merchant count and bundle. Publish the numbers. Rank the team weekly.
Run a hard cadence. Daily morning huddle before the market opens, weekly pipeline and portfolio review, monthly performance review against target. Short, numbers-first, no theatre.
Coach in the field, not the office. Regular accompaniments and market walks with each rep. You should be in the market with your team several days a week — this is not a desk role.
Own collections rigour with the team. The same people who book the loan chase the repayment. Build the follow-up discipline early; a hub that lends well and collects badly loses money.
Manage performance honestly. Recognise and reward the top of the table quickly. Address underperformance within a defined window — coach, then decide. Build a bench so no single rep's exit dents the book.
Grow your successors. Identify and develop team leads who can run sub-markets, so the hub scales beyond your personal coverage.
Requirements
8+ years in financial services, fintech, or lending/credit business development, with a real track record of carrying revenue or portfolio targets. SME/retail credit, agent banking or trade-finance experience is a strong plus.
Proven people leadership — you have built, trained and managed field sales or credit teams (direct reports and/or agent networks) and can hold 20+ people to daily and weekly numbers.
Business acumen and P&L literacy — comfortable owning a budget, reading a credit and revenue model, and making the trade-off between growth, cost and risk.
A credible network in the market — existing relationships with market leaders and trade associations, or a demonstrated ability to build them fast.
Working knowledge of credit mechanics — pricing, NPL management, collections — plus comfort selling or overseeing sales of merchant acceptance and FX products.
Multi-product selling instinct — you naturally look at a merchant and see three needs, not one transaction.
Resilient, hands-on operator — based in-market, travelling across the state, entrepreneurial. This is a build-from-scratch, playbook-defining role, not a maintenance role.
Clear reporting skills — you can explain performance and risk plainly to the Credit Portfolio Manager and senior stakeholders.
Benefits
Competitive base salary
Performance bonus / sales commission
13th month allowance
Health insurance, pension and paid time off
Learning & development allowance
Career progression in a performance-driven environment.
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