Business Head, Sharp Cash

Credit Direct Finance Company Limited, a CBN-regulated financial services company within FCMB Group, is establishing Sharp Cash as a dedicated digital consumer lending business. With its own brand and app, Sharp Cash is intended to compete in the fast-moving market for accessible, short-duration personal credit.
The Business Head will be entrusted with building the business proposition, scaling customer acquisition, developing a disciplined credit and collections engine, and delivering sustainable risk-adjusted returns. The role combines the freedom to build with access to the resources and governance of an established institution.
Sharp Cash will begin as an autonomous business unit, not a separate legal entity, with identifiable financial performance and a long-term ambition to create measurable standalone economic value.

WHY WE ARE CREATING THIS OPPORTUNITY
Sharp Cash is a standalone digital lending brand and mobile experience being established within Credit Direct, distinct from LOTA in the Credit Direct app. Its ambition is to serve digitally active consumers through responsible, convenient and competitively positioned credit.
We are adopting a different operating model: a clearly accountable business leader, dedicated execution capacity, defined decision rights and transparent commercial reporting, supported by Credit Direct’s funding, technology and control infrastructure.
This is also a deliberate step in our evolution from building strong products to building businesses that scale. Sharp Cash will help us test a repeatable model of entrepreneurial accountability and measurable economic value.

Core accountabilities

• Business strategy and financial stewardship: own the annual plan, budget, profitability, capital efficiency and transparent results by customer cohort, channel and segment.
• Growth and customer economics: develop paid, organic, referral and partnership channels; optimise acquisition cost, activation, conversion, repeat usage and lifetime contribution.
• Credit performance and decisioning: partner with Data & Intelligence and independent Risk teams on segmentation, scorecards, pricing, limits and early-warning indicators within approved policies.
• Product and customer experience: shape the proposition and roadmap, improve onboarding and disbursement, and build loyalty through reliable, transparent service.
• Collections and customer protection: deliver effective, proportionate recoveries with high standards of fairness, privacy, regulatory compliance and customer communication.
• People and execution: build an ambitious cross-functional team, set priorities, coach leaders, remove blockers and hold internal and external service partners accountable.
• Business value and reporting: provide decision-useful performance dashboards and a credible standalone-equivalent view of Sharp Cash’s economics.

How autonomy works

Within delegated authority

The Business Head leads go-to-market strategy, channel investments, product priorities, operating plans and dedicated team performance within approved budget and policies.

Enterprise safeguards

Credit risk appetite, independent model validation, regulatory compliance, financial control, cybersecurity and internal audit remain subject to Credit Direct governance.

Dedicated delivery

Core personnel have clear Sharp Cash responsibilities, while maintaining appropriate professional links with their home functions.

Shared platform

Treasury, Technology, Data, Finance, People and other functions support the business through defined capacity, service standards and escalation routes.

Requirements

The person we seek

A commercially accomplished, data-literate leader with the judgment to create growth that endures.

Person specification

• A strong record of building or scaling a digital consumer, lending or adjacent fintech business, with demonstrable commercial results.
• Meaningful ownership of a P&L or substantial business outcomes; fluency in revenue, credit costs, funding, operating leverage and return on capital.
• Practical command of digital growth: acquisition economics, conversion funnels, experimentation, customer retention and cohort-level profitability.
• Sound understanding of unsecured credit, underwriting, delinquency, fraud controls and ethical recoveries; direct digital lending experience is highly desirable.
• Ability to translate data into judgment, make prioritisation trade-offs and lead product, engineering, analytics, risk-facing and operational teams.
• Credibility, resilience and integrity in a regulated environment; commitment to responsible lending and excellent customer outcomes.

Leadership DNA: the 6Es

We seek leaders who embody Credit Direct’s 6Es: Excellence, Execution, Empathy, Entrepreneurial Mindset, Energy and Evolution.

In practice, that means setting a high bar, taking ownership, understanding the customer, moving with urgency, learning from evidence, developing others and delivering responsibly.

Measures of success

Early progress will be assessed through readiness to launch and learn, the quality of the team and controls, acquisition and conversion performance, emerging repayment vintages, repeat borrowing, customer experience and risk-adjusted unit economics. Specific performance targets will be agreed through the approved business plan.

Benefits

A competitive executive compensation package will reflect the scope, accountability and long-term opportunity of the appointment, in line with Credit Direct’s remuneration framework. Applications and enquiries will be handled confidentially through the appointed search process.