Lead: Unit Economics & NPV Strategy

FairMoney is a pioneering mobile banking institution specializing in extending credit to emerging markets. Established in 2017, the company operates primarily within Nigeria and has secured nearly €50 million in funding from global investors like Tiger Global, DST, and Flourish Ventures.

The company is constructing the foremost mobile banking platform and point-of-sale (POS) solution tailored for emerging markets. Initially, it introduced a digital microcredit application for Android and iOS devices. Today, FairMoney offers a comprehensive suite of financial products, including current accounts, savings accounts, debit cards, and POS solutions for merchants and agents.

FairMoney operates at massive scale, moves fast, and expects leaders to think in systems, not silos. Decisions are data-driven, accountability is explicit, and impact matters.

This role sits at the heart of how FairMoney decides who to lend to, how much to lend, at what price, and why.

About The Role

We are hiring a Lead: Unit Economics & NPV Strategy to own, improve, and operationalize FairMoney’s existing NPV and unit economics frameworks, ensuring they become a core operating system for decision-making, not just analytical artefacts.

While FairMoney already has NPV models in place, they are not yet consistently embedded into credit decisions, pricing, experimentation, and growth trade-offs. This role exists to close that gap.

The successful candidate will be the single source of truth on value creation vs value destruction, expected vs actual performance, and the economic impact of risk, pricing, and growth decisions.

This is a senior, high-ownership role for someone who pushes the bar, challenges assumptions, and thrives in a high-growth, high-pressure environment.

Key Responsibilities

• Own, audit, and improve NPV and unit economics models across lending products, ensuring consistent assumptions and decision-ready outputs for pricing, credit cut-offs, and capital allocation.
• Build frameworks to measure performance across products, cohorts, credit policies, pricing strategies, and experiments, identifying key drivers of variance and feeding insights back into risk and pricing decisions.
• Partner with Risk, Data Science, Product, and Growth to define NPV hypotheses, measure incremental economic value, and identify which initiatives should be scaled, improved, or stopped.
• Translate complex economic analysis into clear trade-offs and provide credible insights to senior leadership, challenging models, policies, and decisions when the economics do not support them.
• Integrate NPV thinking into credit policy reviews, risk governance, pricing and limit discussions, and planning cycles, while setting standards for transparency, documentation, and assumption discipline.
• Operate with high ownership and integrity, challenge analytical and execution standards, stay adaptable under pressure, and contribute to FairMoney’s mission of providing responsible access to credit.

Requirements

Must-Haves

• Strong experience in unit economics, NPV, LTV, or portfolio profitability (lending, fintech, banking, or adjacent sectors).
• Deep understanding of credit economics and how risk, pricing, tenure, and behavior interact.
• Proven track record of measuring expected vs actual outcomes.
• Ability to influence senior stakeholders using data and logic.
• High ownership mindset with a bias toward action.

Nice-To-Have

• Experience in high-growth fintech or scale-up environments.
• Exposure to experimentation frameworks (A/B testing, policy tests, pricing tests).
• Strong SQL / Python / analytics tooling capability.
• Experience working closely with Risk, Data Science, and Growth teams.

What Success Looks Like

By Month 3

• Existing NPV models are audited, rationalized, and standardized.
• A portfolio-level NPV view exists across all major products.
• Leadership has clear visibility into where value is created or destroyed.
• Experiments are routinely evaluated on NPV uplift versus control.

By Month 6

• NPV actively drives decisions on:
• Credit cut-offs
• Pricing bands
• Growth investment trade-offs
• Gaps between expected and actual performance are measured, explained, and shrinking.
• Risk, Data Science, and Growth teams operate using a shared economic language.
• Leadership trusts NPV outputs enough to make difficult, high-impact decisions.

Final Note

This is not a passive analytics role. We are looking for someone who is comfortable challenging assumptions, pushing for clarity, and holding the line on economic truth — even when it is inconvenient.

If you are motivated by scale, complexity, ownership, and impact, this role will stretch you and reward you.

Benefits

• Paid Time Off
• Training & Development
• Flexible work structure