Job Purpose

The Channel Manger – Onboarding & Rewards (Kolotreat) owns and optimizes the user acquisition, KYC onboarding, and engagement incentive strategy for Kolomoni. This role leads the platform’s activation engine and loyalty ecosystem—ensuring that every new user is not only verified and onboarded seamlessly but is also activated into meaningful financial behaviors (saving, transacting, inviting others).

This position also manages Kolotreat, Kolomoni’s branded rewards system, which powers cashback, referral bonuses, challenge rewards, loyalty points, and milestone incentives.

Key Responsibilities

1. Onboarding Product Ownership

Design and manage the end-to-end new user journey across all entry points (Mobile App, USSD, Chatbot, Agent Referrals, CAC registration).
Continuously optimize onboarding funnels for speed, drop-off reduction, and regulatory compliance.
Build automated and personalized flows for KYC stages (Tier 0 to Tier 3).
Design promotional/loyalty/incentive packages per channel

2. KYC & Identity Management

Collaborate with the Compliance team to ensure KYC processes meet NDPR, CBN, and AML regulations.
Integrate external ID verification APIs (e.g., NIMC, BVN, voter card, CAC).
Monitor onboarding data quality, rejection rates, and user classification.

3. Kolotreat Rewards System Management

Design the Kolotreat rewards engine architecture: reward types, levels, rules, frequency, and payout mechanisms.
Launch and manage reward campaigns: first deposit, referral bonus, milestone streaks, and gamified challenges (If need be).
Collaborate with Marketing and Data teams to personalize and A/B test reward interventions.

4. User Activation & Engagement Growth

Define and track user activation metrics (onboarded → KYC → first transaction → repeat usage).
Deploy nudges, tips, and lifecycle emails/notifications to encourage deeper engagement.
Track and optimize referral growth loops and viral coefficient performance.

5. Cross-Platform Enablement

● Ensure onboarding and rewards programs work across all digital channels:

○ Mobile App (core journey + reward center)

○ USSD (*5250#)

○ Chatbot (user verification and reward communication)

○ Corporate Platform (for SMEs onboarding and bulk rewards)

Requirements

Required Qualification and Skills

Bachelor’s degree in marketing (Digital Marketing), Economics, Business Administration and related fields .
4+ years of experience in Onboarding and Reward/channel management (preferably in fintech or banking).
Deep understanding of user funnel metrics, LTV/CAC, and activation frameworks (e.g., AARRR).
Rewards & Loyalty Program Management
Hands-on experience with onboarding tools, CRM, push/email systems, and basic data tools (e.g., Mixpanel, Amplitude).
Strong ability to bridge technical development with behavioral design and reward psychology.

Success Profile

Growth-driven mindset focused on activation, not just acquisition.
Data-literate and capable of iterating products based on user insights.
Collaborative leader who works fluidly across Product, Marketing, Compliance, and Support.
Creative about how to reward behavior, and rigorous in ensuring it delivers ROI.

Benefits

Industry Standard

Channels Manager_ Onboarding & Rewards