Fresh Jobs at Pagatech Limited

ROLE SUMMARY

• The Head of Credit/Risk Management is responsible for ensuring the smooth running of the Credit and Marketing departments. The candidate will analyze credit and financial reports to determine risk involved in loaning money or extending credit. The candidate will scrutinize financial data such as market share, income growth, and management quality to decide if loans will be lucrative. Other responsibilities include gathering information, reading financial briefings, assessing, analyzing and interpreting complicated financial information, undertaking risk assessment analysis, visiting clients, keeping company credit exposures within set risk bearing limits, keeping knowledge of key issues up to date (for example legal, market risk and compliance issues), helping to enhance the quality of credit applications, and making recommendations about procedural/policy changes. The candidate will work earnestly to grow risk assets and ensure credits are performing at all times. The candidate must ensure that the non-performing loans are within CBN set ratio.
• 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 credit/risk management department and day-to-day operations to ensure KPIs are achieved; and build comprehensive and SMART goals for performance and growth.
• Appraising Risks, carrying out research and planning.
• Credit Administration, controls and mobilization.
• Loan monitoring and recovery.
• Oversee the identification, assessment, and mitigation of credit risks across the bank's portfolio.
• Ensure credit policies and procedures are robust, align with regulatory requirements, and support the organization’s strategic objectives.
• Maintain quality of the credit portfolio, optimize risk reward balance, and foster a culture of prudent risk management.
• Minimize risks in Portfolio Management by prudent lending, monitoring financial metrics (PAR, NPL, Provisions) and regularly reviewing loan book performance indicators to identify concerns from credit decisions.
• Ensure implementation and compliance of the consumer data protection principles in the bank.
• Ensure customer satisfaction through prompt service delivery and effective communication, adhering to Service Level Agreements (SLAs) and Turnaround Time (TAT) standards for business credit applications.
• Periodically review the credit certification program content for relevance, provide stakeholder training, and track exceptions to ensure compliance with approved standards.
• Ensure necessary controls are in place to address the risks encountered during the credit life cycle from origination, evaluation, documentation, account management and collections, by conducting periodic quality sample checks.
• Ensure all Regulatory and Compliance issues are tracked down and closed on time for the unit.
• Contribute to setting the risk appetite and ensure exceptions are reviewed and tracked to ensure they are operating within approved standards.
• Track all credit-related projects and work with internal and external resources to ensure timely delivery.
• Ensure monthly reports are presented at required forums and committees, and approvals are obtained from the appropriate sanctioning body.
• Play a leading role in coaching, mentoring and developing their teams take responsibility in talent management and succession for the business development teams.
• Ensure periodic monitoring and regular review of credit modelling tools, i.e. score card, and Risk Acceptance Criteria to address any emergent issues and potential risk.
• Review and monitor new Credit products and existing credit products to ensure performance review is periodically conducted and any emergent issues and potential risks are addressed.
• Any other duties and responsibilities which may be required from time to meet the objectives of MMFB.

QUALIFICATIONS, SKILLS & COMPETENCIES

• A Degree in Business Administration, Economics, Finance or any other discipline Minimum of 7 years’ banking experience with at least 3 years in a senior management role in a Microfinance Bank.
• Experience implementing and/or using a Management Information System within the financial services industry.
• 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

• Relationship officers evaluate and authorize the approval of loans and are involved in the recovery of loans.
• 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

• Meet with loan applicants to identify their needs and collect information for loan applications.
• Analyse active loan files on a regular basis and recommend solutions to speed up the loan process.
• Complete loan contracts and teach clients on policies and regulations.
• Perform business development tasks, including managing the pipeline by generating leads and referral
• business, and maintaining relationships with existing and past clients.
• Meet and communicate with applicants to explain the risks and benefits, as well as the terms of loan products and government regulations.
• Obtain relevant information and evaluate applicants' financial status, including credit history, debt-to-income ratio, and appraisal reports, to determine recommendation for loan approval.
• Ensuring KYC is done on customers before onboarding
• Visiting customers’ business premises and ensuring effective KYCB (Know your customer’s business) is done on potential customers of the bank.
• Presents each customer’s loan status at every Portfolio review meeting.
• Assist the recovery team in cases of default and monitor personal or team portfolio to ensure budgets are met.
• Any other duties and responsibilities which may be required from time to meet the objectives of MMFB.

QUALIFICATIONS, SKILLS & COMPETENCIES

• Minimum of 3 years’ work experience within the financial services industry, including proven extensive and relevant loan portfolio management experience.
• Must be able to work in a high-velocity, high performance environment.
• Ability to plan and prioritize workload and delegate accordingly.
• Some knowledge of data analytics and reporting - excellent problem-solving skills; analytical and structured in his/her thinking.
• 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.

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PRIMARY RESPONSIBILITIES

Revenue Monitoring & Analysis

• Review daily, weekly, and monthly General Ledger (GL) accounts and revenue reports to detect anomalies, gaps, or inconsistencies.
• Perform reconciliations between billing systems, ERP, and financial records.
• Monitor key revenue streams to ensure all transactions are captured and billed correctly.
• Reconcile, monitor and track account receivables to ensure timely collection of outstandings

Leakage Identification & Control

• Identify, quantify, and report potential areas of revenue leakage.
• Investigate root causes of discrepancies and recommend corrective actions.
• Work with Finance, Operations, and IT to implement stronger controls and process improvements.

Compliance & Reporting

• Ensure revenue assurance processes comply with internal policies, regulatory requirements, and audit standards.
• Prepare regular dashboards and reports for management highlighting revenue trends, issues, and resolutions.
• Support external and internal audits with required revenue assurance data.

Cross-Functional Collaboration

• Liaise with Sales, Operations, IT, and Finance teams to ensure alignment in revenue processes.
• Support system testing and validation when new products, services, or ERP changes are introduced.

Continuous Improvement

• Contribute to the design of controls to mitigate risks of revenue loss.
• Recommend process automation and system improvements for efficiency.

KEY COMPETENCIES

• Result oriented with a keen eye for details
• Must have exceptional follow-up skills and be able to maintain focus multitasking
• Ability to find creative solutions to problems combined with a willingness to do what one must to ensure timelines & goals are met.
• Speed and versatility
• Decisiveness, good judgement, strong organizational skills,
• Self-Driven and hardworking
• Discreet and respects confidentiality
• Integrity and high personal ethical standard

KNOWLEDGE AND SKILL REQUIREMENTS

• Bachelor’s degree in Accounting, Finance, Economics, Business Administration, or related field.
• Professional certification (ACA, ACCA, CIMA, CPA) or progress toward one is an advantage.
• 2–4 years of experience in revenue assurance, finance, audit, or related field.
• Strong understanding of accounting principles and revenue recognition standards.
• Experience with ERP systems (SAP, Oracle, Microsoft Dynamics, etc.) and data analytics tools.