Divisional Head - Retail & Commercial at Citygate Global

Locations: Abia, Abuja (FCT), Akwa Ibom, Anambra, Cross River, Delta, Ebonyi, Edo, Ekiti, Imo, Kwara, Lagos, Ogun, Ondo, Oyo and Rivers

Job Description / Main Responsibilities

• To see the growth of the division business-wise through client acquisition and retention, quality disbursement, PAR reduction and profitability.
• To lead, manage and grow the divisions; through proactive implementation of strategies that will bring about operational self-sufficiency and best customer experience.
• To assess structure and performance of divisions: evaluate, understand and make strategic decisions regarding divisions’ activities, staffing, market-driven products and acceptable lending methodology.
• To ensure all branches under his/her supervisor are compliant with current risk management and audit standards.
• Demonstrate commitment, dependability and respect for all team members in divisions; serve as a guiding light in leading his/her team members towards relationship-based success with clients.
• Cooperates with, participates in, and supports the adherence to all internal policies, procedures, and practices set by management for overall soundness of the division.
• Effective and efficient co-ordination of all Market-facing staff under his/her supervision for performance.
• To advise the Management on the way forward for speedy growth of the division
• Efficient management of all other resources under his/her care.
• Develop, execute and manage retail lending strategy and tactical business plan, taking into account the market opportunity/growth potential, existing capabilities and risk appetite.
• Responsible for making sure that the division’s goals and objectives are met within a set time.
• Ensure timely report rendition.

Qualification and Experience Required

• Bachelor's Degree/HND
• Micro Finance Certified Banker (MCIB) Qualifications will be an added advantage.
• 6 - 8 Years Managerial Experience in Microfinance Finance Banking or institution with specialization in Retail Lending
• Business Development and Customer Service Skills.
• Relationship Management Skills
• Leadership Skills, Effective Communication Skills.
• Marketing, Selling and Credit Analysis Skills.
• Must be computer literate with an added advantage in key Microsoft office package (Word, Excel and PowerPoint).
• Proficient in Banking Software will be an edge.