Job Openings at Transkredit Finance

Job Description

• To build and deepen relationships with existing and potential clients by selling product/services of the company, particularly deposit mobilization, to retail, HNI and MSME customers

Duties and Responsibilities

• Grow the existing risk asset portfolio in line with the Company's strategy.
• Identify, develop and cultivate relationships with customers within the retail and MSME segment that are in need of loans and advances to support their business.
• Manage existing customers' portfolio as well as develop new business opportunities by generating risk assets within the MSME and retail market.
• Leverage the Transkredit's existing relationship by developing and executing proactive, creative and on-going contact initiatives.
• Prepare sales pitches, presentations and other documents required for Transkredit customer's engagements.
• Assist in the development, launching and sales of new product offering.
• Ensure synergy and collaboration in inter-house activities and communication in order to facilitate effective and smooth running of the Company’s operations.
• Manage MSME and retail banking portfolio within the region to minimise business risks and maximise profitability.
• Maintain relationship with key customers within the Bank and ensure that such customers are well served by officers within the Transkredit.
• Ensure the smooth running of operations in the bank within with respect to deposit mobilization.
• Ensure a complete, accurate and balanced assessment of risk in the credit approval presentation.
• Coordinate the approval process managing information flow and ensuring that the credit follows the stated approval process for the facility limit.
• Keep abreast of regulations, government policies and other developments that may affect the operations, business goals and objectives of the division within the assigned region.
• Ensuring that the legal documentation is complete, consistent with the internal approvals and properly executed and filed.
• Monitor industry trends and obtain necessary intelligence to be used as input for new product development.
• Supervisory of the business development manager

Requirements

• Candidates should possess a Bachelor's Degree / Master's Degree qualification.

Technical Skills:

• In-depth knowledge and understanding of the principles of product development, brand management and business intelligence.
• Working knowledge of the leading products and services available in the global market
• Deep knowledge of the marketing terrain in Nigeria
• Expert knowledge of Transkredit’s products and services.
• Good knowledge of the micro finance industry regulatory guidelines and the provisions of the license.
• In-depth knowledge of the Nigerian Financial Services Industry with emphasis on the retail/small business.

Soft Skills:

• Excellent communication (written and oral), interpersonal and negotiation skills
• High level of attention to detail
• Excellent project management skills
• Strong leadership, supervisory and people management skills
• High proficiency in the use of all MS Office tool

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Job Summary

• Perform data gathering, measurement, and analysis of operational and compliance risks in the organisation in order to assess the organisation’s current and future operational exposures.
• It also includes the performance of internal control related assignments.

Key Responsibilities

• Establish and facilitate the implementation of an operational risk management framework for the Organisation, which should provide an organisation-wide definition of operational risk and lay down the principles identifying, assessing, monitoring and controlling/mitigating for operational risk.
• Provide leadership and advice on policies, processes and procedures for managing operational risks in all the organisation’s products, activities, processes and systems.
• Identify, assess, map and prioritise operational risks inherent in all existing and new products, activities, processes and systems before implementation.
• Monitor, analyse and report all internal error, fraud, losses near miss information as well as trends of risk event data to determine root causes associated with risk events and consequences of such loss.
• Ensure that there are business continuity and crisis management plans in place to minimise losses in the event of severe business disruptions. Ensure periodic testing of the contingency plans.
• Regularly monitor the organisation’s operational risk profiles and material exposure to losses
• Identify, track and monitor appropriate operational risk indicators that provide early warning signs of an increased risk of adverse losses in the organisation.
• Assist the CFRO to design a robust compliance structure, process and advisory service to enable line management to ensure compliance with current laws regulations and supervisory requirements. Continuously update and maintain a comprehensive compliance manual for the Organisation in conjunction with line management.
• Continuously monitor, ensure compliance and make recommendations on compliance with laws, regulations and supervisory requirements
• Ensure incorporation of regulatory requirements into operational procedures manual where appropriate.
• Establish mechanisms for prompt reporting and resolution of non-compliance with laws, regulations or supervisory requirements.
• Facilitate the development, approval and maintenance of the Organisation internal control and compliance policy and manual for the management of compliance risks.

Requirements

• Candidates should possess a Bachelor's Degree / Master's Degree with 3 - 5 years work experience.

• High level of integrity
• Deep knowledge of global leading strategies for operational risk management
• Excellent modelling skills using excel and other modelling software.
• A deep understanding of Transkredit’s processes and procedures

Soft Skills:

• Good leadership, supervisory and people management skills
• Good analytical and problem-solving skills.
• Excellent presentation and facilitation skills
• Excellent communication (written and oral) and interpersonal skills
• High sense of responsibility, accountability and dependability