Head of Credit, Marketing & Program Manager at Afrinvest West Africa Limited

Job Details

• Oversee the full credit lifecycle from loan origination, appraisal, and disbursement through monitoring and recovery.
• Develop and enforce credit policies, procedures, and risk assessment frameworks to maintain portfolio quality and minimise NPLs.
• Monitor portfolio performance, analyse trends (PAR, NPLs, recoveries), and implement corrective actions in a timely manner.
• Ensure compliance with CBN regulatory guidelines and internal credit policies across all loan products and segments.
• Drive business development initiatives to identify and convert new market opportunities, partnerships, and customer segments.
• Lead and optimise all sales and customer acquisition drives for loan products, deposits, and other financial services, ensuring consistent achievement of targets.
• Build and maintain relationships with community leaders, corporate partners, cooperatives, and key stakeholders to grow the Bank's customer base.
• Develop and execute marketing campaigns across digital, ATL, and BTL channels to enhance brand visibility, customer engagement, and deposit mobilisation.
• Conduct market research to track customer needs, competitive dynamics, and emerging trends, and translate insights into actionable strategy.
• Manage the Bank's brand identity and public communications, ensuring consistency and a positive market reputation.
• Lead the design and launch of innovative financial products tailored to priority segments — youth, women-owned businesses, and other profitable niches — in collaboration with Operations and IT.
• Develop, implement, and monitor financial inclusion programs, tracking KPIs to ensure both social impact and financial sustainability.
• Continuously evaluate product and program performance and iterate based on market feedback, portfolio data, and strategic objectives.
• Ensure all growth initiatives are executed in alignment with the Bank's 5-year National License roadmap.
• Build, mentor, and manage a high-performing credit, sales, and marketing team with clear targets, accountability structures, and development plans.
• Contribute to strategic planning and EXCO decision-making as a key member of the Executive Management Team.

Requirements

• Bachelor's degree in Banking & Finance, Business Administration, Marketing, Economics, or a related field.

• CIBN (MCIB) membership, MBA, or relevant postgraduate qualification is an added advantage.
• Minimum of 8–10 years of progressive experience in credit, marketing, and business development within banking or microfinance, with at least 5 years in a senior leadership role.
• Proven track record of consistently meeting and exceeding sales and loan portfolio targets.
• Deep understanding of the Nigerian microfinance landscape, CBN regulatory environment, and financial inclusion dynamics.
• Strong experience in product development for niche segments, particularly youth and women-led businesses.
• Proficiency in credit analysis, risk management, and loan portfolio management.
• Strong strategic acumen with the ability to translate market insight into executable plans.
• Excellent leadership, communication, negotiation, and stakeholder management skills.
• Results-oriented with the ability to manage multiple priorities in a fast-paced, growth-stage environment.