Lead: Unit Economics & NPV Strategy

Overview

The organization is seeking a Lead: Unit Economics & NPV Strategy to own, improve, and operationalise existing NPV and unit economics frameworks so they become a core decision-making system—not just analytical artifacts.

This role focuses on integrating NPV into credit decisions, pricing, experimentation, and growth trade-offs. The selected individual will be the primary source of truth on value creation versus value destruction, expected versus actual performance, and the economic impact of risk, pricing, and growth decisions.

Responsibilities

• Own NPV & Unit Economics: Audit, improve, and standardize NPV and unit economics models across lending products; ensure consistent assumptions and decision-ready outputs for pricing, credit cut-offs, and capital allocation.
• Measure Expected vs. Actual Performance: Build frameworks to measure performance across products, cohorts, credit policies, pricing strategies, and experiments; identify key drivers of variance and feed insights back into risk and pricing decisions.
• Drive Experimentation & Value Attribution: Partner with Risk, Data Science, Product, and Growth to define NPV hypotheses, measure incremental economic value, and determine which initiatives should be scaled, improved, or stopped.
• Influence Business Decisions: Translate complex economic analysis into clear trade-offs for senior leadership; challenge models, policies, and decisions when the economics do not support them.
• Embed NPV in Decision-Making: Integrate NPV thinking into credit policy reviews, risk governance, pricing and limit discussions, and planning cycles; establish standards for transparency, documentation, and assumption discipline.
• Raise the Analytical Bar: Maintain high ownership and integrity, challenge analytical and execution standards, and stay adaptable under pressure.

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 versus actual outcomes.
• Ability to influence senior stakeholders using data and logic.
• High-ownership mindset with a bias toward action.

Preferred Qualifications (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.

Success Criteria

• By Month 3

  • Existing NPV models are audited, rationalised, and standardised.
  • 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.

Compensation & Benefits

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

Location

Nigeria

Recruitment Process

• Screening call with a member of the recruitment team
• Technical interview with the hiring manager
• Case study round
• Panel session based on the case study