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FairMoney is a pioneering mobile banking institution specializing in extending credit to emerging markets. Established in 2017, the company currently operates primarily within Nigeria, and it has secured nearly €50 million in funding from renowned global investors, including Tiger Global, DST, and Flourish Ventures. In alignment with its vision, FairMoney is actively constructing the foremost mobile banking platform and point-of-sale (POS) solution tailored for emerging markets. The journey began with the introduction of a digital microcredit application exclusively available on Android and iOS devices. Today, FairMoney has significantly expanded its range of services, encompassing a comprehensive suite of financial products, such as current accounts, savings accounts, debit cards, and state-of-the-art POS solutions designed to meet the needs of both merchants and agents. FairMoney thrives on its diverse workforce, bringing together talent from over 27 nationalities. This multicultural team drives the company’s mission of reshaping financial services for underserved communities.To gain deeper insights into FairMoney’s pivotal role in reshaping Africa’s financial landscape, we invite you to watch informative _. Role Overview We are hiring a Lead Risk Manager to own and scale our iOS (Apple) lending portfolio in Nigeria. This is not a monitoring role. This is not a reporting role. This is a P&L-impacting, GP/ECL ownership role. You will: • Own Gross Profit (GP), • Own Expected Credit Loss (ECL), • Own risk-adjusted unit economics, • Own portfolio scaling decisions, • Own credit policy direction You will lead policy, experimentation, analytics, and performance — and be accountable for portfolio outcomes end-to-end. This is a high-impact role. Key Responsibilities GP & ECL Ownership • Own portfolio-level GP and ECL performance, • Maintain ECL/Revenue within risk appetite, • Optimise:, • PD, • LGD, • Exposure limits, • Pricing, • Tenure strategy, • Build and manage loan-level and user-level NPV frameworks, • Ensure scaling decisions improve long-term portfolio PV You must think in: • Risk-adjusted margin, • Behavioural lifetime value, • Capital efficiency, • Sustainable growth Credit Policy Leadership • Design and implement credit policy changes, • Define clear hypotheses before rollout, • Quantify impact across:, • FPD, • Roll rates, • NPL, • ECL, • NPV, • GP uplift, • Present before/after impact analysis, • Ensure policy governance and documentation standards Every policy change must be: • Hypothesis-driven, • Controlled, • Measurable, • Financially justified Portfolio Scaling & Experimentation • Design and execute A/B and multivariate tests, • Ensure statistical validity and bias control, • Measure impact beyond FPD — full unit economics view, • Scale winning strategies quickly, • Terminate underperforming experiments fast You must be comfortable making decisions under uncertainty — but never without data. Unit Economics & PV Mastery You must deeply understand: • Loan-level NPV, • User-level NPV, • Behavioural EIR, • Discounting logic, • Lifetime value modelling, • Risk-adjusted CAC impact You should be comfortable explaining why tenure, pricing, or exposure shifts change portfolio PV. End-to-End Credit Product Ownership • Acquisition risk filters, • Limit assignment logic, • Pricing bands, • Tenure optimisation, • Top-up strategy, • Collections alignment, • Fraud overlays, • Model strategy alignment You must understand how underwriting decisions today affect collections 90+ days later. Team Leadership & Analytical Excellence • Lead and build a high-performance risk/analytics team, • Set weekly performance rhythms, • Ensure dashboards are decision-grade, • Review analysis rigorously, • Maintain strong data governance We expect someone who: • Gets into SQL when needed, • Reviews modelling logic, • Challenges assumptions, • Doesn’t hide behind slides This is a builder role. • Portfolio scaled profitably, • ECL/Revenue within risk appetite, • Positive portfolio NPV under stress assumptions, • Strong experimentation culture embedded, • Clear policy governance framework, • iOS portfolio positioned for multi-market scaling, • 6–10+ years in consumer credit risk, • Strong exposure to African lending markets (Nigeria preferred), • Proven ownership of GP and ECL, • Experience scaling digital portfolios, • Advanced knowledge of:, • PD / LGD / EAD frameworks, • Roll-rate modelling, • IFRS9 concepts, • NPV modelling, • Pricing optimisation, • Strong SQL and analytical tooling comfort, • Deep A/B experimentation experience, • 25 days paid vacation, Sick & Public Holidays to B2B contractors., • Remote (timezone must have significant overlap with CET)., • Training & Development budget., • Paid company business trips. Recruitment Process • Screening call with Recruiter: 45 minutes., • Technical Interview with Chief Credit Officer

Collection and Delivery ManagerAll about youYou will be friendly, hard-working and love the buzz of getting things done. We love team players and here at DX we are committed to providing our people the technical and personal skills to progress their careers.About usWe are a leading independent parcel, mail and logistics services company operating throughout the UK and Ireland delivering the important things in life. This could be the passport you need for the holiday of your dreams or that special gift for a loved one. We have a team of over 3,000 hard-working and enthusiastic people who think we are more than just a delivery company. We know each consignment tells a story and we know that for someone somewhere, it'll make their day when we deliver exactly on time, every time.What will it feel like to be part of our team?At DX, we know our people are our foundation of success. We'll give you all the responsibility you need to develop yourself as an adaptable leader; with plenty of challenges to keep your career growing. If you want to develop your career, DX will provide the training and the opportunities! In addition, you will work with passionate and supportive people who are focused on meeting the DX Delivered Exactly promise.Role summary:The role of the Collection and Delivery Manager is to lead and manage the collections and deliveries in an efficient manner that ensures we deliver Great service to our Customers every time. The Collection and Delivery Manager is also responsible for the effective management of all service delivery partners and PAYE drivers ensuring high quality performance is delivered. Key to this the Collection and Delivery Manager is to manage the Service Centre and its satellites (if applicable) in the day to day collection and delivery network.Essential Criteria:Proven record of delivering great service to Customers and managing on-going Customer relationships.Experience of managing a diverse workforce including sub- contractors, self- employed drivers and PAYE drivers.Experience of managing direct cost budget.Ability to use Microsoft XP (Excel, Word, Email, Access, PowerPoint) or similar data base.Always maintain a calm and rational presence, even when in pressured situations.Ability to identify problems and design deployable solutions.Essential criteria for this rolePrevious experience in the mail or distribution industryAdditional information on this roleIf you have previous experience of managing teams in fast-paced mail/distribution environments and have the ambition to develop your leadership skills, then we would love to hear from you.Benefits:Competitive Rates of PayCompany Funded Health Cash PlanHolidays: 25 days increasing with length of service + bank holidaysLong Service Recognition schemeEnhanced Maternity & PaternityCompany Pension SchemeLife AssuranceEmployee Assistance programme including 24/7 Virtual GPDX Discounts PortalExcellent opportunities for career progression and more!!We look forward to hearing from you!TPBN1_UKTJ

Salary: £27,000 per annum, plus annual salary review (up to 3%) & Veolia benefits \n\nHours: Monday to Friday, 40 hours per week\n\nLocation: Exeter, EX2 8RF\n\nWhen you see the world as we do, you see the chance to help the world take better care of its resources, and help it become a better place for everyone. It's why we're looking for someone who's just as committed as we are, to push for genuine change and bring our ambition of Ecological Transformation to life.\n \nWe know that everyone here at Veolia can help us work alongside our communities, look after the environment, and contribute to our inclusive culture.\n\nWhat we can offer you;\n\n25 days of annual leave\nAccess to our company pension scheme\nDiscounts on everything from groceries to well known retailers\nAccess to a range of resources to support your physical, mental and financial health; so you can lean on us whenever you need to\nOne paid days leave every year to volunteer and support your community\nOngoing training and development opportunities, allowing you to reach your full potentialWhat you'll be doing;\n\nLiaise with relevant individuals to ensure customer queries are resolved. Escalate when required to Management\nDrive and promote a culture of high performance and excellence in line with our organisational values\nEnsure that all safety concerns and near misses are logged on our Health and Safety Management System and closed off within the company's agreed timescales. Appropriate feedback must be provided to the originator\nEnsure all Veolia policies, processes and procedures are adhered to\nEnsure personnel details including payroll are entered into the systems correctly and within time limits\nRaise Purchase Orders for the supply of goods as approved by site management\nLiaise with suppliers for the procurement of goods & ensure delivery timescales are met\nProcess invoices raised by suppliers to ensure that payment terms are met\nAdminister purchase orders, disposal invoices, subcontracted collections and associated invoices.\nControl of paperwork on a daily basis including monthly rebate reporting to customers\nEnsuring the answering of telephones are within the regional expectations\nRun and send reports as required to customers, including any Regional Accounts and high value accounts (i.e. any account that is £7K or above and requires a report to go with the invoice)\nProactively inform customers in a timely manner of any operational delays which impact on their service, confirming the alternative collection date and time\nCheck our Customer Relationship Management system for any queries that have come through and respond as appropriate\nWork closely with Regional and National Account Managers, CET and the Sales Team to maintain and foster good customer relationsWhat we're looking for;\n\nEssential:\n\nAdministrative & Systems Proficiency (including Workday, ECHO & Gmail)\nData Entry Skills\nCustomer Service & Communication Skills\nCompliance & Process Adherence\nDesirable:\n\nExperience in Waste Management or a Similar Regulated Industry\nWhat's next?\n\nApply today, so we can make a difference for generations to come.\n\nWe're proud to have been named as one of The Sunday Times Best Places to Work for three consecutive years in 2023, 2024 and 2025. This consistent recognition reflects our commitment to our people, demonstrating that Veolia is not just transforming the environment, we're also transforming what it means to have a rewarding, purposeful career. \n\nWe're dedicated to supporting you throughout your application journey, offering adjustments where reasonable and appropriate. As a proud Disability Confident Employer, we will offer an interview to applicants with a disability or long-term condition who opt-in to the Disability Confident scheme, and meet the minimum criteria for our roles. \n\nWe're also committed to ensuring that all applicants and colleagues receive fair treatment without discrimination on any grounds, aiming to create a diverse and inclusive workplace where everyone can thrive.\n\nIf you are successful in securing a new role or promotion within the company, any offer to you may be subject to the acceptance of standardised terms and conditions. These new terms and conditions may differ from your current contract, if you have any questions about how this might affect you, please don't hesitate to contact your line manager or the HR team.\n\nWhat's next?\n\nApply today, so we can make a difference for generations to come.\n\nWe're proud to have been named as one of The Sunday Times Best Places to Work for three consecutive years in 2023, 2024 and 2025. This consistent recognition reflects our commitment to our people, demonstrating that Veolia is not just transforming the environment, we're also transforming what it means to have a rewarding, purposeful career. \n\nWe're dedicated to supporting you throughout your application journey, offering adjustments where reasonable and appropriate. As a proud Disability Confident Employer, we will offer an interview to applicants with a disability or long-term condition who opt-in to the Disability Confident scheme, and meet the minimum criteria for our roles. \n\nWe're also committed to ensuring that all applicants and colleagues receive fair treatment without discrimination on any grounds, aiming to create a diverse and inclusive workplace where everyone can thrive

• Establish interior decorative brand with 100 year+ history with global presence Specification Sales Manager - interior products Area: London & surrounding areas The Role of Specification Sales Manager - interiors • This is a home / field based role., • This is an A&D specification sales role selling the companies leading range of interior products to A&D architects., • As Specification Sales Manager, you will be tasked with generating specifications with A&D architects and specifiers, interior designers, retail end users and contractors., • As Specification Sales Manager, you will be required to work closely with the dedicated field sales / business development teams who will support you., • Typical project order values range between £1k - £150k. The Company hiring a Specification Sales Manager Out client are a well known leading heritage brand and manufacturer of interior decorative products. They design and manufacturer modern on-trend interior products that are used, and can be seen in a various commercial projects that include commercial offices, schools, retail stores, hospitals and museums etc. They have continued to grow year-on-year and have firmly established themselves as a market leader. Our client are an established name within the A&D community and have recently invested several £million in new product launches adding on-trend collections to their impressive portfolio. Our client are group backed, with massive financial resource, marketing and excellent customer services. The Candidate (Specification Sales Manager) • Specification Sales experience - interiors (A&D) or heavy side is preferred, • Polished field sales professionals with a flair for interior design (and credibility to converse with architects), • Our client with also consider a candidate that works in a design showroom that is looking to break into specification sales, • People with interior design backgrounds with no field sales experience are also welcome to apply The Package on offer for the Specification Sales Manager • up to £50,000, • Bupa Healthcare, • 25 days holiday plus stats, • competitive bonus structure, • Generous car allowance, • Excellent benefits Ref: CPJ1700 Industry Sector: Specification Sales, Architects, A&D, Interior Designers, Interior Products, Quartz, Surfaces, Flooring, Furniture, Paint, Architects, Interior Designers, Showroom Managers, Showroom Sales, Main Contractors, Shop Fitting, Facades, A&D Commercial Projects, Contractors and Distributors The Package on offer for the Specification Sales Manager • up to £50,000, • Bupa Healthcare, • 25 days holiday plus stats, • competitive bonus structure, • Generous car allowance, • Excellent benefits

Being an SME in Financial Health at Monzo and have completed Financial Health Collections and vulnerability training. As a Team Manager, you have two main focuses:. You have experience working in the Tech, Financial or Contact Centre environments.

FairMoney is a pioneering mobile banking institution specializing in extending credit to emerging markets. Established in 2017, the company currently operates primarily within Nigeria, and it has secured nearly €50 million in funding from renowned global investors, including Tiger Global, DST, and Flourish Ventures. In alignment with its vision, FairMoney is actively constructing the foremost mobile banking platform and point-of-sale (POS) solution tailored for emerging markets. The journey began with the introduction of a digital microcredit application exclusively available on Android and iOS devices. Today, FairMoney has significantly expanded its range of services, encompassing a comprehensive suite of financial products, such as current accounts, savings accounts, debit cards, and state-of-the-art POS solutions designed to meet the needs of both merchants and agents. FairMoney thrives on its diverse workforce, bringing together talent from over 27 nationalities. This multicultural team drives the company’s mission of reshaping financial services for underserved communities.To gain deeper insights into FairMoney’s pivotal role in reshaping Africa’s financial landscape, we invite you to watch informative _. Role Overview We are hiring a Lead Risk Manager to own and scale our iOS (Apple) lending portfolio in Nigeria. You will own gross profit, expected credit loss, risk adjusted unite economics, portfolio scaling decisions and credit policy direction. You also be responsible for lead policy, experimentation, analytics, and performance — and be accountable for portfolio outcomes end-to-end. Key Responsibilities GP & ECL Ownership • Own portfolio level GP and ECL performance., • Maintain ECL/Revenue within risk appetite., • Optimise PD, LGD, exposure limits, pricing and tenure strategy, • Build and manage loan-level and user-level NPV frameworks, • Ensure scaling decisions improve long-term portfolio PV Credit Policy Leadership • Design and implement credit policy changes, • Define clear hypotheses before rollout, • Quantify impact across FPD, roll rates, NPL, ECL, NPV and GP uplift., • Present before/after impact analysis, • Ensure policy governance and documentation standards Portfolio Scaling & Experimentation • Design and execute A/B and multivariate tests, • Ensure statistical validity and bias control, • Measure impact beyond FPD — full unit economics view, • Scale winning strategies quickly, • Terminate underperforming experiments fast Unit Economics & PV Mastery • You must deeply understand loan level NPV, user level NPV, Behavioural EIR, discounting logic, lifetime value modelling and risk adjusted CAC impact. End-to-End Credit Product Ownership • Acquisition risk filters, • Limit assignment logic, • Pricing bands, • Tenure optimisation, • Top-up strategy, • Collections alignment, • Fraud overlays, • Model strategy alignment Team Leadership & Analytical Excellence • Lead and build a high-performance risk/analytics team, • Set weekly performance rhythms, • Ensure dashboards are decision-grade, • Review analysis rigorously, • Maintain strong data governance, • Portfolio scaled profitably, • ECL/Revenue within risk appetite, • Positive portfolio NPV under stress assumptions, • Strong experimentation culture embedded, • Clear policy governance framework, • iOS portfolio positioned for multi-market scaling, • 6–10+ years in consumer credit risk, • Strong exposure to African lending markets (Nigeria preferred), • Proven ownership of GP and ECL, • Experience scaling digital portfolios, • Advanced knowledge of PD / LGD / EAD frameworks, roll rate modelling, IFRS 9 concepts, NPV modelling and price optimization., • Strong SQL and analytical tooling comfort, • Deep A/B experimentation experience, • 25 days paid vacation, Sick & Public Holidays to B2B contractors., • Remote (timezone must have significant overlap with CET)., • Training & Development budget., • Paid company business trips. Recruitment Process • Screening call with Recruiter: 45 minutes., • Business Case Study, • Technical Interview & Case Study Review with Chief Credit Officer, • Final Interview with CEO

Area Sales Manager - Men's Footwear and Accessories. Basic to £32,000 + Car/Allowance + Uncapped OTE This well-established, designer and manufacturer of quality men's footwear, seeks an Area Sales Manager to expand their presence across the North of England. Now reinvesting following a sustained period of growth, they are seeking to recruit an Area Sales Manager to oversee 170 existing accounts and drive new business growth in the North of England. Full product training will be provided; however, experience in selling (ideally) non-food products to independent retailers is a 'must have'. Experience with menswear, clothing, or footwear is a significant advantage, but your ability to build strong relationships and drive sales within this unique market is paramount. If you have experience in selling any products into either of these retail channels, then this is a fantastic opportunity to join a substantial, successful yet family-run business with a caring and supportive team. As the Area Sales Manager, you will: • Manage and grow existing accounts within your territory., • Identify and secure new independent retail partners., • Present exciting new collections to buyers., • Achieve and exceed sales targets., • Provide exceptional customer service and support. To Apply for the role of Area Sales Manager • You've successfully sold into independent retail, ideally with menswear, clothing, or footwear., • You have existing relationships or a strong understanding of the independent retail landscape in the North of England., • You genuinely love sales and have an eye for quality craftsmanship., • You're a self-starter who can work independently and manage your own territory effectively., • You're an excellent negotiator and relationship builder. To Apply for the Role of Area Sales Manager Email your CV to This vacancy is being advertised by Aaron Wallis Recruitment and Training Limited operating as an Employment Agency, registered in England No. 6356563. View our Privacy Policy and Candidate Privacy Notice

Supply Chain Manager – FMCG / Food Import Exeter (M5 access) up to £63,000 DOE Hybrid Working available after Training We are recruiting an experienced Supply Chain Manager for a growing International Food Importer based in Exeter. This is a senior-level position with full ownership of the end-to-end supply chain, from procurement and import through to UK distribution and customer delivery. Within this role you will be responsible for managing the purchasing, import, inventory management, warehouse activity and distribution including all relevant 3rd party service suppliers. This role would suit a commercially minded supply chain professional with strong FMCG or Food/Drink experience and a solid understanding of import and customs procedures. Key Responsibilities Analysis of sales and promotional data Management of warehouses and hauliers and 3rd party service providers Customs clearance and import compliance (HMRC / EORI) Delivery route optimisation (FTL, groupage, collections) Negotiating prices and controlling logistics costs P&L review and cost reporting Coordinating product launches with suppliers and logistics partners Ensuring full legal and operational compliance with UK import regulations Required Experience Proven experience in a Supply Chain Manager or Senior Supply Chain role FMCG experience (Food or Drink highly desirable) Strong knowledge of import/export and customs clearance processes Experience managing European supply routes into the UK Commercial awareness with financial and cost-control experience Confident stakeholder management skills Strong analytical and problem-solving ability Salary & Benefits Salary £55 - 63,000 DOE Holidays:25 days per year plus bank holidays, this increases by 1 day per year after 5 years in role up to 30 days Pension: Company 4% contributory pension Free on site parking @ office close to M5 Discretionary bonus: Paid annual based on company overall performance please note this is at Senior Management discretion and not guaranteed Birthday off each year Hybrid working after probationary period Tavel to Europe required initially, to learn the business and build relationships with key personnel If you are an experienced Supply Chain Manager looking for autonomy, ownership and the opportunity to shape supply operations within a fast-moving food business, we would love to hear from you

Join G4S as a Driver in Exeter and you will become part of a well-trained, tight-knit team providing an essential, cash transportation service to the local community. All you need to have is a valid UK driving licence and the qualities outlined above. We'll provide the training and support to prepare you for a great, long-term driving career with an industry leading company. You will also earn a great salary and excellent benefits. You must have a valid SIA licence, Door Supervisor or Security Guarding, to be considered for this role. A cash-in-transit license is desirable; however, we can support with the training for this if you don't attain one! Contract Information: Pay Rate: £14.87 per hour rising to £15.47 after 12 months (plus night allowance if applicable) Hours per week: 39 hours Shift Pattern: Monday - Friday, 06:00 - 18:00. For your application to be considered, please upload an up-to-date CV! You must also have a Full UK Driving Licence and your own vehicle. Your Time at Work You will join a team of specialist Delivery Drivers and be responsible for making scheduled deliveries and collections, within specified time windows, ensuring all work is completed in a timely manner and in accordance with your trip sheet. It's important that you maintain good, safe and courteous driving behavior and present a professional appearance by always wearing the company uniform and the relevant safety equipment provided. Our Delivery Driver must always be polite and courteous to customers and members of the public at all times. and wear the Personal Protective Equipment (PPE) provided. You'll also: • Carry out vehicle checks and report any security and/or mechanical defects and follow procedures properly in the event of an emergency or a criminal attack. - Check consignments and ensure accuracy and efficient loading/unloading at branches and other secure areas. - Undertake training to develop, learn and progress. - Undertake other duties that may reasonably be assigned to you by your line manager or the business. Our Perfect Worker What makes a successful Delivery Driver? To succeed as a Delivery Driver you will need to hold a valid UK driver's licence and be confident when communicating with customers and colleagues in both written and spoken English. An appropriate level of numeracy is also very important, and you will be adept following specific procedures and instructions and be able to work to tight deadlines. We ideally seek: - Previous experience in a driving role would be extremely beneficial but is not essential, as would experience using IT and computer systems. - You must be continuously focused on providing a top notch service to our customers by being efficient, flexible and at all times security conscious. - You'll need to be physically fit, as the role involves lifting and transporting heavy items. You will be subject to a medical review, which may include a medical assessment with an occupational health practitioner. Key Information and Benefits • Pension scheme - Life assurance - Flexible working policies - Free uniform - We Care - providing 24/7 access to online GP, mental health support and virtual wellbeing - HSF - Health Cash Plans - Corporate perks and discounts (Perks @ Work and Home) - Payroll Giving - Health Checks - Training and Development Opportunities (inc Apprenticeships in England). Job Ref: 1G4S (G628) G4S are a recognised Disability Confident Leader Employer, committed to fostering an inclusive workplace where everyone can thrive. They prioritise accessibility, support, and opportunity for all employees. Join their diverse and empowering team today! About Staffline Staffline are working in Partnership with G4S, providing a recruitment solution for security roles. Please note that our job adverts are correct at the time of publication, but some details and job responsibilities are subject to change. This job advert may not be copied, imitated or used, in whole or in part, by third-party websites, without prior written consent from Staffline