Head, POS Recovery

Who We Are

Moniepoint Inc. is Africa’s all-in-one financial platform, helping 20 million businesses and individuals access seamless payments, banking, credit, cross-border, and business management tools each month.

As Nigeria’s largest merchant acquirer, we power most of the country’s point-of-sale (POS) transactions. Through our subsidiaries, Moniepoint Inc. processes over $250 billion in digital payment transaction value annually.

Job Title: POS Recovery Manager

Department: POS Channel

Reports to: VP, POS Channel

About this role:

This role owns the end-to-end recovery of non-performing POS terminal assets — from the moment a terminal is flagged as at risk through to physical retrieval, financial settlement, and post-write-off recovery.

Responsibilities

Recovery Strategy Governance

Own the terminal recovery lifecycle that defines escalation speed and settlement windows based on terminal age, transaction history, and recovery economics.

Ensure every terminal that enters recovery mode is assigned, tracked, escalated on schedule, and settled within its gate deadline — recovery, write-off, paid write-off, or insurance claim.

Design and continuously refine the recovery strategy, covering device collection, swap logistics, sales agent coordination, external agency management, and the efficient flow of assets back to custody.

Field Team Leadership

Lead, manage, and hold accountable a distributed field recovery team across multiple regions.

Instill a culture of operational discipline, accountability, and ethical conduct. Recovery work involves sensitive situations (confronting custodians about lost assets, handling disputes, managing bounty payments); the team must operate with integrity.

Develop comprehensive standard operating procedures for every recovery scenario: BRM-led recovery, external agency coordination, business takeover, faulty terminal collection, voluntary write-off processing, dispute handling, revive processing.

Build training programmes for recovery agents covering: terminal identification, check-in procedures, evidence collection for disputes, GPS and field management tools, escalation protocols.

KPI Management and Recovery Economics

Define and track recovery KPIs: recovery rate (pre-write-off), BRM recovery rate, external recovery rate, average days to recovery, cost per recovery, revive rate (post-write-off), bounty efficiency (bounty spend vs recovery value recovered).

Own the recovery economics: ensure total bounty spend plus logistics cost is always less than the recovery value of the terminals retrieved. The programme must be self-funding — recovery must generate more value than it costs.

Report monthly on: terminals entering recovery mode, terminals recovered, terminals written off, terminals revived, net financial impact, bounty spend, external agency spend, dispute volumes and outcomes.

Experience & Background

Minimum 7 years of progressive experience managing large-scale field operations, logistics, asset recovery, or after-sales service, with at least 3 years in a senior leadership role.

Experience managing distributed field teams across multiple regions in Nigeria — you understand the infrastructure, the logistics constraints, and the human dynamics of field recovery operations.

Experience managing third-party service providers, contractors, or agency networks with performance-based contracts.

Direct experience in the Nigerian market with its specific logistical, regulatory, and operational realities.

Preferred: Experience from fintech, telecoms, e-commerce logistics, or any high-volume distributed asset management environment.

Preferred: Experience managing asset recovery at scale (thousands of units per month, not dozens).

Skills & Competencies

Proven ability to design and implement structured operational processes (SOPs, escalation frameworks, settlement procedures) from scratch or through a major restructure.

Strong analytical capability — you use data to drive decisions, track performance, calculate ROI on recovery spend.

Financial discipline & budget management — experience managing a budget or cost centre, understanding unit economics, and demonstrating net positive recovery value.

Technical & Systems acumen — experience with product management/development lifecycles (writing briefs, working with engineers), GPS tracking, CRM, field management tools, or route optimisation platforms.

Regulatory & Compliance understanding — familiarity with insurance claim processes, write-off accounting, or asset disposal regulations in Nigeria.

What Success Looks Like in This Role

Terminal recovery lifecycle is tightly governed, ensuring swift escalation and settlement within established gate deadlines.

Field recovery operations maintain high ethical standards and operational discipline across all regions.

Recovery program operates as a self-funding unit where total recovery value generated consistently exceeds total bounty and logistics expenditure.

Robust systems, SOPs, and field management tools are seamlessly integrated into daily team operations.

Transparent monthly reporting clearly demonstrates positive net financial impact and high recovery/revive rates.

Why Join Us?

Competitive compensation, benefits, and career growth opportunities.

Support for professional development and a dynamic culture driving financial inclusion across Africa.