Nigeria Credit Lead

About One Acre Fund

Founded in 2006, One Acre Fund equips 5.5 million smallholder farmers to make their farms more productive. Across nine countries that together are home to two-thirds of Africa's farmers, we provide high-quality farm supplies, tree seedlings, accessible credit, modern agronomic training, and a wide range of other agricultural services. On average, this model enables any farmer to increase their income and assets on supported land by more than 35 percent, while permanently improving their resilience. This is all made possible by our team of 9,000+ full-time staff, drawn from diverse backgrounds and professions. To learn more, please see our Why Work Here blog post.

One Acre Fund Nigeria is one of our fastest-growing country programs. Our goal is to provide access to credit for over 350,000 farmers by 2030 and to support at least half of Nigeria's farming households in adopting improved agronomic practices and diversifying their incomes through agriculture by 2034.

About the Role

The Credit Lead will design One Acre Fund Nigeria's credit program, while supporting the implementation of both our credit and cash operations, ensuring portfolio quality and sustainable growth across multiple states. You will lead a team of Execution Specialists and collaborate with other leaders within the program division. The Credit Lead will report directly to the Field Operations Lead and help guide our path toward financial sustainability and deeper farmer impact.

Responsibilities

• You will design enrollment, repayment and credit strategies that balances transaction size per farmer with program sustainability

• You will oversee execution of credit and cash sales typically in 3-4 states ensuring delivery of inputs, repayment collection, enrollment target and sales target for the region.

• You will lead a team of 3-5 mid-level managers to run the program at scale. You will provide cross-department support through coaching of junior level and mid-level staff in the division.

• You will develop and track performance Indicators such as repayment rates, farmer loan sizes, and regional collection performance.

Career Growth and Development

We have a strong culture of constant learning and we invest in developing our people. You’ll have weekly check-ins with your manager, access to mentorship and training programs, and regular feedback on your performance. We hold career reviews every six months, and set aside time to discuss your aspirations and career goals. You’ll have the opportunity to shape a growing organization and build a rewarding long-term career.

Qualifications

Across all roles, these are the general qualifications we look for. For this role specifically, you will have:

• You have 5+ years of relevant experience, including at least 3 years of leading credit or field operations teams and collaborating across multiple departments, combined with a passion for improving the livelihoods of smallholder farmers.

• You have 3+ years of experience managing and coaching multi-level teams to achieve sales, enrollment, and repayment goals

• You have experience assessing risks, tracking performance indicators, and providing actionable insights to senior leadership

• You have 3+ experience working with diverse team to support program priorities

• You are willing to be based in rural areas for project durations.

• You are Fluent in multiple languages with a focus on languages spoken in target markets like Hausa

Preferred Start Date

As soon as possible

Job Location

Bauchi or Lafia, Nigeria

Benefits

Health insurance, housing, and comprehensive benefits

Eligibility

This role is only open to citizens or permanent residents of Nigeria, Rwanda, Zambia, Ethiopia, DRC, Uganda, Tanzania, Burundi, Kenya and Malawi.

Application Deadline

05 February 2026. Please note that we hire on a rolling basis which means that applications are reviewed and processed on a continuous basis until a hire is made.

One Acre Fund never asks candidates to pay any money or pay for tests at any stage of the interview process. Official One Acre Fund emails will always arrive from an @oneacrefund.org address. Please report any suspicious communication here ([email protected]), but do not send applications or application materials to this email address.

Diversity, Equity, Inclusion (DEI), and anti-racism are deeply connected to our organization’s mission and purpose. One Acre Fund aspires to build a culture where all staff feel consistently valued, represented, and connected – so that our team can thrive as professionals, and achieve exceptional impact for the farmers we serve.

We are committed to equal employment opportunity regardless of race, color, ancestry, religion, sex, national origin, sexual orientation, age, marital status, disability, gender, gender identity or expression. We are proud to be an equal opportunity workplace.