Location: Abuja, Nigeria
Type: Full-time
Experience: Associate
Department: PAYG
🚜About Us
Hello Tractor (HT) connects tractor owners to smallholder farmers through an Internet-of-Things (IoT) digital solution by supporting improved management of tractor businesses, ensuring tractor owner success, while connecting farmers to affordable, mechanized services. Hello Tractor’s solution begins with a low-cost hardware monitoring device that can be installed on any tractor, connecting it to the Hello Tractor cloud for remote data tracking and analytics. By expanding tractors’ serviceable geography, Hello Tractor enables owners to grow their business, providing employment opportunities for service providers and rural booking agents. By creating equitable access to tractor services, Hello Tractor enables smallholder farmers to earn more and grow more, improving livelihoods and food security for their families and communities.
🧩The Role
Hello Tractor has grown significantly in a short span of time in the African market. We now have a marketplace of over 5,000 tractor owners and operators servicing over a half million smallholder farmers across 20 countries in Africa and Asia. However, despite the huge potential for the service, there is a shortage of tractors to fully service smallholder farmers’ demand for services and banks generally do not lend to rural communities. To address this, Hello Tractor recently launched a Pay-As-You-Go (PAYG) tractor financing product to unlock low risk, low-cost tractor financing for rural, under-banked entrepreneurs servicing smallholder farmers.
We have a fantastic opportunity for a Portfolio Associate who will be based in Abuja, Nigeria. You will be working with a world-class team of professionals who are passionate about what they do and will expect no less from you. Having an insatiable hunger for learning new methods, processes, and technologies and improving existing ones is critical. Are you comfortable liaising with a range of stakeholders? Are you meticulous about continuous process improvements? Are you a critical thinker, entrepreneurial and driven by high performance? Then we need you!
🛠️Responsibilities
- Initiate and oversee new deal underwritings, presenting them to the Credit Risk Committee for evaluation and approval.
- Model and underwrite contracts for the reassignment of tractors as necessary.
- Develop and finalize monthly, quarterly, and annual reporting decks for PAYG Portfolio reporting.
- You will be instrumental in monitoring emerging risks, leveraging data-driven insights to refine portfolio strategies, and ensuring compliance with regulatory standards and internal controls.
- Proactively identify opportunities for process optimization and technology adoption to streamline PAYG operations, collaborating closely with internal teams to implement best practices and drive scalability across our growing portfolio.
- You will champion Hello Tractor’s mission by upholding the highest standards of professionalism, accountability, and customer-centric service, positioning the PAYG program for sustainable growth and long-term success.
- Lead the financial modelling of PAYG portfolio performance, including scenario analysis, forecasting, and sensitivity analysis to inform strategic decision-making and optimize resource allocation.
- Develop, evaluate, and refine short- and long-term business strategies for the PAYG program, leveraging data analytics and market research to support sustainable growth and profitability.
- Collaborate with cross-functional teams to integrate financial insights into business planning, identify cost-saving opportunities, and drive continuous improvement in operational efficiency.
Other Responsibilities
Provide Support to PAYG Manager in the following areas;
- Initiate response measures to address both micro and macro trends that pose operational and profitability risks to the PAYG business.
- Execute field initiatives based on PAYG insights, such as setting up implement hubs, managing spare parts distribution, and enhancing our online marketplace.
- Facilitate the sharing of PAYG Portfolio reports with relevant stakeholders.
- Provide valuable field feedback to Hello Tractor's leadership team, complete with actionable recommendations.
- Drive strategies to maintain portfolio asset quality within acceptable risk tolerance levels, addressing issues such as asset quality, key concentration limits, risks, and profitability targets.
🎓Who You Are
- Bachelor's Degree in a relevant field.
- Over 5 years of credit underwriting experience.
- Experience managing a credit risk portfolio, with a preference for individuals who have managed portfolios of over $5 million in aggregate credit exposure.
- Advanced proficiency in Excel and the capacity to model, automate, and effectively utilize advanced software/systems.
- Strength in data analysis, workflow automation, and collaboration with cross-functional teams.
- Strong communication skills, particularly with senior leadership and key stakeholders.
- Knowledge of legal agreements related to credit and contracts.
💼What We Offer
- Competitive pay that commensurate skills and expertise
- Performance bonuses
- Hybrid working environment
📝How to Apply
Send your resume and a one-page cover letter to our portal
🕓 Deadline: November 28, 2025
Shortlisting will be on a rolling basis
