Career Positions at Zylus Group International

Job Summary

• The Head of Finance is responsible for providing strategic financial leadership, managing financial reporting, ensuring regulatory compliance, safeguarding the Bank’s financial integrity, and supporting sustainable growth.
• The role oversees budgeting, financial planning, treasury management, regulatory returns, cost control, and audit coordination.
• This position ensures the Microfinance Bank maintains sound financial health in line with CBN guidelines and internal policies.

Key Responsibilities
Financial Management & Reporting:

• Prepare accurate and timely monthly, quarterly, and annual financial statements.
• Ensure compliance with IFRS and CBN Microfinance reporting standards.
• Oversee the preparation of Management Accounts for decision-making.
• Monitor financial performance and advise management on variances and risks.
• Ensure proper classification, recording, and reconciliation of all financial transactions.

Regulatory Reporting & Compliance:

• Prepare and submit statutory returns to CBN, NDIC, FIRS, and other regulators.
• Ensure prompt remittance of taxes, pension, and statutory deductions.
• Maintain compliance with all financial regulatory requirements and circulars.
• Coordinate regulatory examinations and provide necessary documentation.

Budgeting & Financial Planning:

• Lead the annual budgeting and forecasting process.
• Monitor budget implementation and provide variance analysis.
• Recommend cost-saving initiatives and efficiency improvements.
• Prepare long-term financial projections to support strategic goals.

Treasury & Liquidity Management:

• Manage the Bank’s cash flow to ensure liquidity availability.
• Monitor daily cash positions, credit balances, investments, and obligations.
• Implement liquidity management processes in line with regulatory requirements.
• Support ALCO (Asset and Liability Committee) activities.

Internal Controls & Audit Coordination:

• Establish strong internal control frameworks and enforce compliance.
• Manage internal and external audit processes and ensure audit issues are addressed.
• Ensure accuracy and integrity of financial records and general ledger accounts.
• F. Risk Management
• Identify financial risks and recommend mitigation measures.
• Support credit risk assessment with financial insights and analysis.
• Participate in risk management committees.

Leadership & People Management:

• Lead and mentor the finance team for high performance.
• Conduct performance appraisals and capacity-building initiatives.
• Promote financial discipline and accountability across the Bank.

Strategic Financial Advisory:

• Provide financial insights to support business decisions and strategic initiatives.
• Advise management on capital adequacy, profitability, and financial sustainability.
• Support fundraising, capital injection, and investor relations.

Key Performance Indicators (KPIs)

• Accuracy and timeliness of financial reports.
• Quality and timeliness of CBN/NDIC regulatory returns.
• Liquidity adequacy and treasury performance.
• Budget accuracy and variance levels.
• Audit ratings and reduction in audit exceptions.
• Cost-to-income ratio improvement.
• Effective financial controls with minimal financial leaks.

Job Requirements
Education:

• Bachelor’s Degree in Accounting, Finance, Economics, or a related field.
• Professional qualification (ICAN, ACCA, or equivalent) required.
• Additional certifications (ACIB, CFA, etc.) are an advantage.

Experience:

• 7–10 years of progressive financial experience.
• 3–5 years in a senior finance role within the banking or microfinance sector.
• Strong experience with regulatory reporting, IFRS, and financial analysis.
• Proficiency with banking software and core accounting systems.

Skills & Competencies:

• Strong analytical and financial modeling skills.
• Excellent knowledge of CBN/NDIC regulations and statutory reporting.
• High integrity and sound ethical judgment.
• Strong leadership and team management skills.
• Strong proficiency in MS Excel and financial tools.
• Excellent communication and presentation abilities.

Behavioral Competencies:

• Attention to detail and accuracy.
• High professional integrity and confidentiality.
• Ability to work under pressure and tight deadlines.
• Strategic thinking and problem-solving skills.
• Strong collaboration skills across departments.

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Job Summary

• The Head of Operations is responsible for overseeing, coordinating, and optimizing all operational activities of the Microfinance Bank.
• The role ensures operational efficiency, regulatory compliance, excellent customer service, and effective risk management across all branches.
• The position drives process improvement, operational controls, business continuity, and service delivery to support the Bank’s growth objectives.

Key Responsibilities
Operations Management:

• Oversee day-to-day operations across branches and operational units.
• Ensure smooth running of cash operations, customer service, account opening, funds transfer, and back-office processes.
• Develop and enforce standard operating procedures (SOPs) for all units.
• Monitor transaction volumes, service quality, and turnaround time (TAT).
• Ensure proper documentation and filing of all operational records.

Risk Management & Internal Controls:

• Enforce operational risk management policies and procedures.
• Ensure compliance with CBN regulations, AML/CFT requirements, and internal policies.
• Identify operational risks and implement mitigating controls.
• Supervise reconciliation of suspense accounts, GL accounts, and daily cash balancing.
• Conduct regular branch operations audits and follow up on corrective actions.

Regulatory Compliance:

• Ensure full compliance with all CBN regulations and reporting requirements.
• Maintain documentation and readiness for regulatory examinations.
• Oversee timely rendering of regulatory returns (CBN, NDIC, Tax, etc.).

Staff Supervision & Capacity Development:

• Lead, mentor, and supervise operations, customer service, and back-office staff.
• Identify training needs and support continuous learning and development.
• Evaluate performance of operational staff and enforce discipline where necessary.

Customer Service Management:

• Maintain high standards of service quality across all channels.
• Resolve escalated customer complaints promptly.
• Ensure customer onboarding processes are seamless and compliant.

Technology & Digital Operations:

• Support implementation and maintenance of the Core Banking Application (CBA).
• Oversee alternative delivery channels (ATM, POS, mobile banking, USSD).
• Monitor system downtime, resolve operational issues, and escalate appropriately.

Strategic & Administrative Duties:

• Contribute to operational strategy and long-term planning for the Bank.
• Prepare periodic operational reports for Management and the Board.
• Coordinate branch expansion or operational upgrades.
• Drive cost efficiency and resource optimization across operations.

Key Performance Indicators (KPIs)

• Branch operational efficiency (TAT, queue management).
• Compliance and audit ratings.
• Accuracy and timeliness of reconciliation and reporting.
• Reduction in operational losses and errors.
• Customer satisfaction scores.
• Staff productivity and performance.
• SLA adherence for digital channels.

Job Requirements
Education:

• Bachelor’s Degree in Accounting, Finance, Business Administration or a related field.
• Professional qualification is an added advantage (ACIB, ICAN, ACCA, CISA).

Experience

• 7–10 years relevant experience in the banking sector.
• At least 3 years in a supervisory/managerial operational role in a Microfinance Bank or commercial bank.
• Experience with core banking applications and digital banking channels.

Skills & Competencies:

• Strong knowledge of CBN and Microfinance regulations.
• Excellent leadership and people management skills.
• Good analytical and problem-solving abilities.
• Strong attention to detail and integrity.
• Excellent communication and customer service skills.
• Proficiency with banking software and MS Office applications.

Behavioural Competencies:

• High ethical standards and good judgement.
• Ability to work under pressure and manage tight deadlines.
• Strong organizational and planning skills.
• Proactive, disciplined, and results-oriented.

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Role Summary

• Provides strategic direction and leadership for all deposit mobilization activities. The Team Lead ensures the achievement of overall liability growth targets, supervises field officers, drives innovation in deposit products, and manages key relationships with high-value clients and institutional partners.

Key Responsibilities

• Develop and implement strategic deposit mobilization plans.
• Supervise and mentor Deposit Mobilization Officers.
• Monitor daily, weekly, and monthly deposit performance reports.
• Identify new markets and high-value customer segments.
• Coordinate marketing campaigns in collaboration with the Brand & Communications Unit.
• Ensure compliance with regulatory and internal banking policies.
• Report directly to the Head of Marketing/Managing Director.

Key Performance Indicators (KPIs)

• Achievement of monthly and quarterly deposit targets.
• Growth rate of new-to-bank deposit accounts.
• Retention and deepening of existing deposit relationships.
• Percentage contribution to overall bank liability base.
• Timeliness and accuracy of performance reporting.
• Team productivity and target conversion rate.

Educational Qualification

• HND/B.Sc. Degree in Marketing, Bussiness Administration, Banking & Finance.