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  • Posted: Mar 10, 2023
    Deadline: Apr 28, 2023
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    Pushresume is a platform dedicated to close the gap between Employers and Jobseekers, by providing both online and offline employment support services
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    Head of Credit

    We are hiring for a Micro Finance Bank, with four branches in Lagos State.

    Responsibilities

    • Formulate credit policies and procedures and ensure they are implemented, reviewed, and complied with.
    • Manage the credit function of the microfinance bank efficiently and effectively to ensure profitability and risk mitigation
    • Facilitate the development and advice on pricing of the credit products through the evaluation of customer needs and activities in liaison with other departments.
    • Risk management through monitoring and administration of credit performance using credit scoring, appraisal reports and monitoring of customers’ credit rating with credit reference agencies.
    • Develop and maintain business relationships with key customers and stakeholders to create business opportunities.
    • Responsible for credit administration by setting terms of credit and ensure timely repayment by customers.
    • Negotiate repayment plans and discontinue credit to late-paying business customers
    • Initiate legal action to recover debts if necessary, meeting other creditors, arranging for goods to be recovered, and organizing for liquidation of a defaulter’s assets to offset outstanding debt.
    • Ensure all income is collected as per the approved terms
    • Ensure Disbursements are done as per approval terms
    • Track credit facilities for all newly approved credit relationships within agreed terms of lending and time frames
    • Develop, implement, and monitor the bank’s overall credit strategy
    • Continuous review of the credit policies and processes to ensure they remain robust and responsive to the customer’s dynamic business needs
    • Manage the credit team to enhance productivity, effectiveness
    • Oversee overall management of the credit processes within the bank policies and guidelines to minimize lending risks.
    • Perform any other duty as assigned, in line with the organization goals and objectives

    Candidates’ specification

    • Minimum of 5 years of hands-on Micro-finance banking experience in credit and marketing
    • Bachelor's degree in business, accounting, finance, economics or any field. An MBA or Master's degree is an advantage.

    Method of Application

    Interested and qualified candidates should forward their CV to: pushresumeng@gmail.com using the position as subject of email.

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