General Manager at Nairapoint Finance Limited

Job Purpose

• The General Manager is responsible for the overall day-to-day leadership and operational performance of NairaPoint Finance, a licensed digital financial technology platform focused on ethical lending, investment products, and retail wealth management.
• The role translates the Board's strategy into results by driving revenue, loan portfolio and deposit growth, ensuring sound credit and risk management, maintaining strong regulatory compliance, and building a high-performing, ethical team across all business units.

Duties and Responsibilities
Strategy & Business Leadership:

• Develop and execute the Company's strategic and annual business plans, budgets, and growth targets in line with the Board's vision.
• Drive revenue growth across loans, savings and investment products, wealth management, and Merchant POS & Agency Banking.
• Lead deposit mobilization from HNIs, corporate, and institutional investors, and grow a high-quality risk asset portfolio for SMEs and salary earners.
• Identify new products, partnerships, and market opportunities to deepen financial inclusion and increase market share.

Operations & Performance Management:

• Oversee day-to-day operations across Sales, Credit & Recovery, Treasury, POS & Agency Banking, Finance, Operations, and Technology.
• Set departmental KPIs, monitor performance against targets, and ensure timely corrective action where results fall short.
• Ensure efficient, scalable digital platforms and processes that deliver excellent customer experience and service quality.
• Present regular management reports on financial results, portfolio quality, liquidity, and business performance to the Board.

Risk, Credit & Financial Management:

• Ensure sound credit governance, portfolio quality, and effective loan recovery, keeping portfolio-at-risk and credit losses within approved limits.
• Oversee liquidity, funding, and asset-liability management in coordination with the Treasury and Finance teams.
• Ensure accurate financial reporting, cost control, and profitability, and support external audits.
• Maintain a robust internal control and fraud-prevention framework across all digital platforms and channels.

Compliance, Governance & People Leadership:

• Ensure full compliance with CBN, NDPA, AML/CFT, KYC, and other applicable laws, licensing, and regulatory reporting requirements.
• Represent the Company before regulators, partners, investors, and key stakeholders, and safeguard its reputation.
• Recruit, lead, coach, and develop a high-performing team, and build a culture of integrity, accountability, and ethical lending.

Person Specification
General Education:  

• Bachelor's Degree in Finance, Accounting, Economics, Business Administration, or a related discipline.
• A Master's degree (MBA or equivalent) is an added advantage.

Professional Qualification: Professional certification (e.g., ICAN, ACCA, CIBN, CFA, or equivalent) is an added advantage.
Experience: 

• 10–12 years of progressive experience in banking or financial services, with at least 5 years in a senior management role within a microfinance bank, finance house, or licensed fintech in Nigeria.
• In-depth understanding of lending, deposit mobilization, investment products, and CBN regulations governing microfinance and digital financial services.
• Proven track record of leading multi-functional teams, delivering revenue and portfolio growth, and managing credit, liquidity, and operational risk.

Key Competencies:

• Strategic thinking, commercial acumen, and strong financial and analytical ability.
• Excellent leadership, people management, and performance-driving skills.
• Strong regulatory knowledge and sound decision-making under pressure.
• Uncompromising integrity and ethical leadership in managing company funds and customer assets.
• Excellent negotiation, reporting, presentation, and stakeholder engagement capabilities.