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Role Overview 

• The Divisional Head, Retail & Corporate is a P&L-owning executive role responsible for the end-to-end performance of Remita’s Retail and Corporate business division — spanning strategy, business development and revenue growth, product development, and technology delivery. This individual will have full accountability for business outcomes and the technology platforms that power them. The role requires a rare blend of commercial leadership and technology fluency: someone equally comfortable setting go-to-market strategy and revenue targets as they are directing engineering roadmaps and platform architecture decisions. This role reports to the Managing Director.

Key Responsibilities

Business Strategy & P&L Ownership

• Own full profit and loss (P&L) accountability for the Retail & Corporate division, including revenue growth, cost management, and margin optimisation.
• Define and execute the division’s strategic plan in alignment with overall Company strategy and growth targets.
• Identify and prioritise new revenue streams, market segments, and partnership opportunities within the retail and corporate payments space.
• Present business performance, strategic plans, and key risks to the Executive Leadership as required.
• Drive market share growth against competitors in the retail and corporate payments and collections space.

Revenue Growth & Commercial Leadership

• Lead business development, and account management functions to deliver against aggressive revenue and customer acquisition targets.
• Build and maintain strategic relationships with key corporate clients, financial institutions, regulators, and ecosystem partners.
• Champion a customer-first culture, ensuring retention, satisfaction, and lifetime value are continuously improved.
• Develop and monitor key commercial KPIs including transaction volumes, revenue per client, churn, and customer acquisition cost.

Technology & Product Leadership

• Direct the division’s technology strategy and roadmap, ensuring platforms scale reliably to support transaction growth and new product launches.
• Champion a product-led approach to growth — overseeing the ideation, development, and go-to-market of new retail and corporate payment products and features.
• Ensure technology delivery is tightly aligned to business priorities, with clear accountability for time-to-market and platform reliability.
• Maintain a strong working understanding of the division’s core technology stack, infrastructure, and data systems to make informed, credible decisions.
• Drive digital transformation initiatives that enhance self-service capability, automation, and operational efficiency across the division.

Risk, Compliance & Governance

• Ensure the division operates in full compliance with CBN regulations, PCI-DSS, NDPR, and other applicable regulatory and industry standards.
• Partner with Risk, Compliance, and Legal teams to proactively identify and mitigate operational, financial, technology, and reputational risks.
• Establish strong internal controls and governance frameworks across business development, product, and technology functions within the division.
• Represent the division in regulatory engagements, audits, and industry forums as required.

People & Organisational Leadership

• Build, lead, and develop a high-performing leadership team across business development, product, and technology.
• Set a clear vision and culture of accountability, urgency, and customer obsession across the division.
• Drive talent development, succession planning, and performance management for senior leaders within the division.
• Foster cross-functional collaboration with other divisional Heads, and Executive functions (Finance, HR, Risk, Marketing, Technology).

Required Qualifications & Experience 

• Minimum of 12 years of progressive leadership experience, including at least 5 years in a senior executive role, with P&L leadership, within fintech, or financial services.
• Demonstrable track record of driving significant revenue growth and commercial success in a retail and/or corporate banking or payments business.
• Strong technology fluency — prior experience directing or closely partnering with technology and engineering teams to deliver platform and product outcomes; a background that bridges both business and technology functions is highly preferred.
• Deep understanding of the Nigerian and/or African payments ecosystem, including regulatory frameworks (CBN, PCI-DSS, NDPR).
• Proven experience building and leading large, multi-disciplinary teams across business development, product, technology, and operations.
• Strong financial acumen with experience managing P&Ls and presenting to Boards and Executive Committees.
• Exceptional stakeholder management skills, with experience engaging regulators, financial institutions, and large corporate clients at the most senior levels.
• Bachelor’s degree required; MBA or equivalent advanced degree strongly preferred.

Core Competencies

• Commercial Acumen: Strong instinct for revenue growth and market opportunity; comfortable owning aggressive commercial targets.
• Technology Fluency: Genuinely conversant in technology and architecture decisions; able to challenge and partner credibly with engineering leadership.
• Strategic Vision: Able to set and communicate a compelling, differentiated strategy for the division.
• Execution Discipline: Translates strategy into operational plans and drives relentless follow-through to results.
• Executive Presence: Commands credibility with regulators, Boards, clients, and internal stakeholders alike.
• People Leadership: Builds, motivates, and retains high-calibre leadership teams; leads through influence and accountability.
• Integrity & Governance: Operates with the highest ethical standards, especially given the regulated and sensitive nature of financial data and transactions.

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