CHIEF COMMERCIAL OFFICER (CCO)

Job description

Company: Kairos Cash Bay

Department: Commercial Division

Reports to: Chief Executive Officer (CEO)

Kairos Cash Bay is seeking an ambitious, commercially astute and results driven Chief Commercial Officer (CCO) to lead its Commercial Division and drive the company’s next phase of growth.

We are looking for a dynamic leader with a strong appetite for business development, market expansion and revenue generation. The ideal candidate must be highly proactive, commercially aggressive and capable of translating business strategy into measurable results.

This is an exciting opportunity for a strategic thinker and hands-on leader who thrives in a competitive environment and has a proven ability to build high-performing sales teams, develop markets and deliver sustainable business growth.

We welcome applications from suitably qualified candidates, including international applicants.

THE ROLE

The Chief Commercial Officer will be responsible for developing and executing the company’s commercial strategy to achieve sustainable portfolio growth, increased market penetration, revenue expansion and customer acquisition.

The successful candidate will lead the development and optimization of sales systems, distribution channels, strategic partnerships, marketing initiatives and customer acquisition strategies while ensuring portfolio quality, regulatory compliance and operational efficiency.

The CCO will provide strategic and operational leadership across the Commercial Division, fostering a high-performance sales culture that delivers aggressive growth targets without compromising customer satisfaction or portfolio quality.

KEY RESPONSIBILITIES

The successful candidate will be responsible for:

1. Commercial Strategy and Business Growth: Develop and implement commercial strategies that drive revenue growth, market expansion and increased market share.

2. Sales Leadership and Performance Management: Lead and manage the commercial team, establish ambitious sales targets, monitor performance and drive accountability across all sales channels.

3. Portfolio Growth and Quality Management: Drive loan portfolio growth while maintaining portfolio quality, improving collections performance and minimizing credit-related risks.

4. Channel Development and Optimization: Identify, develop and strengthen distribution channels to expand the company’s market reach and improve customer acquisition.

5. Business Development and Strategic Partnerships: Identify new business opportunities, establish strategic partnerships and build relationships that support sustainable commercial growth.

6. Marketing and Brand Growth: Drive marketing strategies, brand visibility and customer engagement initiatives to strengthen the company’s competitive position.

7. Regulatory Compliance and Governance: Ensure that all commercial activities comply with applicable regulatory requirements, internal policies and risk management standards.

8. Executive Leadership: Work closely with the CEO and other senior leaders to shape business strategy, support organizational objectives and drive overall company performance.

MINIMUM QUALIFICATIONS AND EXPERIENCE

Education

• Bachelor’s Degree in Business Administration, Marketing, Economics, Finance or a related field.
• An MBA or Master’s Degree in a relevant discipline will be an added advantage.

Professional Experience

• At least 8–10 years of progressive experience in sales, commercial management and business development.
• A minimum of 5 years in a senior management or executive leadership position.
• Demonstrable experience in financial services, lending, microfinance, fintech, banking or related industries.
• A proven track record of achieving ambitious sales, revenue and portfolio growth targets.
• Experience leading large sales teams and managing multiple distribution channels will be an advantage.

KEY COMPETENCIES AND ATTRIBUTES

The ideal candidate will demonstrate:

• Strong commercial acumen and strategic thinking.
• Exceptional negotiation and business development skill
• High-level relationship management and networking abilities.
• Strong market development and expansion capabilities.
• Excellent leadership, people management and team development skills.
• Strong analytical and data-driven decision-making abilities.
• Proven performance management and target delivery capabilities.
• Sound risk awareness and regulatory understanding.
• Effective change management and problem-solving skills.
• A results-oriented mindset, resilience and the ability to thrive in a highly competitive business environment.

HOW TO APPLY

Interested and suitably qualified candidates should submit the following documents:

1. An application cover letter.
2. An updated Curriculum Vitae (CV).
3. Copies of relevant academic and professional qualifications.
4. Any other supporting documents relevant to the application.

Applications should be submitted via email to: samantha@kairoscashbay.org

Kindly use “Application – Chief Commercial Officer” as the subject line of your email.

Only shortlisted candidates will be contacted.

Take the lead. Drive growth. Shape the future of Kairos Cash Bay.