Jobs at Kreateng

Job Brief

• In this position, you will lead the design and implementation of all Marketing strategies to achieve the goals for all the microfinance banking products.
• The Head of Credit & Marketing is expected to provide leadership within the Micro-Finance bank to ensure timely and successful development and implementation of the banking product and service ideas, key to the business performance and growth.

Key Responsibilities

• Head of Credit and Marketing is responsible for Supervision of all Business Development initiatives.
• Provide effective leadership guidance in business development strategy
• Achieve overall profitability target of the microfinance bank
• Implement and execute regular sales activities to generate business
• Lead generation through organized sales presentations to prospects
• Team Leadership; collaborate with staff to ensure successful execution of designated strategies.
• Interview prospective clients
• Inspect prospective client's business to ascertain its viability and assessment of collateral
• Write reports for granting of loan facility
• Monitor approved loans and advise clients on good management practices
• Consistently adhere to regulatory standards.

Requirements

• Candidates should possess a B.Sc Degree
• Professionalism, integrity and commitment to social mission of Micro-finance banking.
• Minimum of 2 years experience in the advertised position
• Strong business acumen and Knowledge of low income market
• Comprehensive knowledge of Micro-finance banking products, marketing and business development
• Sound knowledge of Micro-finance services, procedure, laws and regulations
• Strong analytical skills
• Applicant must have good self-carriage, poise and self-confident as well as able to discuss on general financial and economic topics
• Knowledge of micro, small and medium enterprise market.
• Strong oral and written communication skills
• Strong general management and people skills.

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Job Summary

• The Head of Finance and Administration has primary responsibility for the planning, implementation, managing and running of all the finance activities of the company, including business planning, budgeting, forecasting and negotiations.
• The role oversees the Accounting /and Administrative functions, and leads all financial management processes including annual budgeting and planning, monitoring of project expenditure, financial reporting and auditing; maintaining and supervising project accounts, books of account, banking and financial operations.
• The candidate should be a responsible leader with an analytical and strategic mind and have a broad knowledge of the business. The person is also directly responsible for overseeing the use and maintenance of the Management Information Systems of the bank.
• The ideal candidate for this role will have clearly demonstrated strong leadership skills, results orientation and be able to interpret the corporate vision into growth strategies and profitable operations.

Responsibilities

• Lead, oversee and manage all areas of the finance, accounting and treasury departments day-to-day operations to ensure KPIs are achieved; build comprehensive and SMART goals for performance and growth.
• Providing strategic recommendations to the CEO and members of the executive team.
• Managing the processes for financial forecasting and budgets, and overseeing the preparation of all financial reporting.
• Advising on long-term business and financial planning.
• Keeping proper accounting records and preparing relevant returns relating to the MFB activities.
• Liaising with the MFB’s bankers and ensuring that all bank accounts are properly and regularly reconciled.
• Preparing periodic reports to the CBN.
• Build relationships with professionals such as Solicitors, Accountants and others whose services would be required from time to time.
• Establishing and developing relations with senior management and external partners and stakeholders.
• Develop, implement and conduct regular reviews of all Finance Admin and MIS related
• Enable a thriving work environment, building and leading a highly motivated and high-performance team.
• Design and implement policies, processes and standards that align with overall strategy and targeted culture of the organization.
• Ensure organizational quality through review, update, implementation and adherence to agreed policies, procedures and manuals.
• Ensure timely preparations of annual budget, quarterly budget review, forecasts and business plans.
• Report on operational performance and suggest improvements.
• Oversee and manage the assets of the organization.
• Provide strategic input and direction for the development of performance targets, including continuous monitoring to ensure achievement of set targets.
• Facilitate and present periodic business performance reviews reports to the Board.
• Manage and maintain relationships with the CBN, other regulatory agencies and strategic stakeholders.
• Evaluate and decide upon key investments in equipment, infrastructure and talent.
• Any other duties and responsibilities which may be required from time to meet the objectives of the bank.

Qualifications, Skills and Competencies

• A Degree in Sciences / Engineering, Business Administration, Finance, or any other related field.
• Minimum of 2 years in the advertised position
• MSc/MBA or relevant certification (e.g. CFA/CPA) is a plus
• Relevant professional qualifications, e.g. ACA, ACCA, CIMA
• Must have undergone the Microfinance Certification Programme and obtained a Certificate in Microfinance Banking issued by the Chartered Institute of Bankers of Nigeria (CIBN).
• Experience implementing and/or using a Management Information System within the financial services industry.
• Operates effectively at all levels, especially complex financial data to non-finance staff
• Proven experience of working effectively with non-finance staff and contributing to wider organizational aims outside of the traditional finance remit
• Excellent problem-solving skills; analytical and structured in his/her thinking
• Knowledge of data analytics, reporting and financial planning
• Communication skills – verbal, non-verbal and written
• Self-starter and very organized, with strong attention to detail
• Extremely versatile, dedicated to efficient productivity and able to work efficiently and effectively across multiple teams
• A thorough understanding of microfinance performance metrics/indicators and the ability to interpret and process operations data.

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Role Summary

• The Head of Internal Audit and Controls plays a critical role in delivering the organization's objectives by objectively assessing the adequacy and effectiveness of governance and management of risks, giving an evidence-based opinion on all aspects of governance, risk management and internal control.
• Ensuring compliance with relevant laws and policies. The candidate must review and update all the business processes, evaluate the efficiency of the risk management processes; protect the organization against fraud and theft of its assets and make recommendations on how to improve processes and procedures. Evaluate internal control and make recommendations on how to improve
• The ideal candidate for this role will have clearly demonstrated strong leadership skills, results orientation and be able to interpret the corporate vision into growth strategies and profitable operations.

Responsibilities

• Lead, oversee and manage all areas of the Internal Control/Audit department’s dailyoperations to ensure KPIs are achieved; and build comprehensive and SMART goals for performance and growth.
• Review of operations to ensure compliance with policies and procedures as set by the Board as well as regulatory requirements.
• Evaluate operations or programs to ascertain whether results are consistent with established objectives and goals and whether the operations and programs are being carried out as planned.
• Perform consulting and advisory services related to governance, risk management and control as appropriate for the organization.
• Investigate deviations and irregularities.
• Report periodically to the Managing Director and Board, on the internal control and audit activity’s purpose, authority, responsibility and performance relative to its plan
• Design and prepare Audit Plan by applying a risk-based approach to ensure the organization complies with internal regulations and policies and established protocols.
• Develop and maintain the internal control and audit procedures to ensure that best practice is taken account of and that the established controls audits address specific areas of risk management.
• Undertake the approved internal audit plan in line with agreed procedures.
• Assess the suitability of current internal controls, making suggestions for improvements where needed.
• Prepare reports of audit findings and make recommendations to the business.
• Liaise with internal advisors and examines documentation, including reports, statements, records, and memos to gather information.
• Completes standard paperwork and questionnaires to confirm internal controls.
• Analyses audit results for adequate and effective “corrective actions” for management to improve.
• Evaluate financial documents for accuracy and compliance with federal regulations.
• Coordinate with functional teams for necessary training to the staff for the purpose of improving control adherence.
• Establish and develop relations with senior management and external partners and stakeholders.
• Any other duties and responsibilities which may be required to meet the objectives of MMFB.

Qualifications, Skills & Competencies

• A Degree in any other related field
• Relevant professional qualifications, e.g. ACA, ACCA, CISA, CIA.
• Minimum of 2 years in the advertised position within a commercial or microfinance bank
• Critical understanding in the establishment and operation of internal control mechanisms.
• Excellent problem-solving skills; analytical and structured in his/her thinking.
• Knowledge of data analytics, reporting and financial planning.
• Communication skills – verbal, non-verbal and written.
• Self-starter and very organized, with strong attention to detail.
• Extremely versatile, dedicated to efficient productivity and able to work efficiently and effectively across multiple teams.
• Must be up to date on industry rules, policies and guidelines and ensure compliance.
• A thorough understanding of microfinance performance metrics/indicators and the ability to interpret and process operations data.