Jobs at Alan & Grant

Job Description

• Our client is a rapidly growing microfinance bank in Nigeria, dedicated to providing accessible financial services, retail banking, and SME loans to individuals and small businesses.

Job Summary

• The HR Business Partner (HRBP) will work directly with department heads (Credit, Tech, and Operations) to handle all staff matters and support the bank’s growth. 
• The role focuses on managing high-volume recruitment for field and digital teams, driving staff performance, and handling everyday employee relations while ensuring compliance with labor laws.

Key Responsibilities

• Collaborate with business unit leaders (Credit, Technology, and Operations) to design and execute human capital strategies that directly support the bank's hybrid retail and digital commercial goals.
• Provide proactive organizational design counsel to department heads, driving change management, workforce planning, and targeted talent retention initiatives.
• Drive the end-to-end talent acquisition lifecycle, sourcing and onboarding talent across specialized roles, including credit risk, digital customer experience, and portfolio recovery.
• Monitor and report on critical HR delivery metrics, analysing time-to-hire, cost-per-hire, and attrition trends to optimize recruitment pipelines for high-volume roles.
• Facilitate the annual performance management cycle, ensuring seamless execution of objective-setting framework, mid-year calibrations, and year-end appraisals.
• Conduct comprehensive training needs analyses (TNA) across business units to design and implement capacity-building interventions for frontline, recovery, and tech-support teams.
• Serve as the primary custodian for employee relations, fostering a high-performance culture, managing conflict resolution processes, and overseeing progressive disciplinary actions.
• Mitigate operational risk by ensuring strict alignment of internal HR policies with Nigerian Labor Laws and Central Bank of Nigeria (CBN) regulatory guidelines.

Requirements

• Bachelor’s Degree or HND in Business Administration, Public Administration, or a related social science discipline.
• Bachelor’s Degree or HND in Human Resources Management, Business Administration, Industrial Relations, or a related social science discipline.
• Professional membership or certification (e.g., CIPM, SHRM, or PHRi)
• 3 to 5 years of progressive experience in an HR Generalist or HRBP capacity.
• Prior experience within a fast-paced Fintech ecosystem or a digitally driven Microfinance Bank is an advantage.
• Proficiency in navigating HRIS platforms, applicant tracking systems (ATS), and intermediate to advanced usage of MS Office utilities (Excel, PowerPoint).
• Deep, practical command of the Nigerian Labour Act and standard employee relations frameworks.
• High emotional intelligence, adept conflict-resolution capabilities, and commitment to maintaining confidentiality.
• Exceptional articulation and presentation skills, with a proven ability to influence senior business leadership and manage diverse stakeholder expectations.

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Job Summary

• The Compliance and Internal Operations Officer will oversee the bank’s daily operational controls and ensure strict adherence to internal policies, CBN guidelines, and AML/CFT regulations.
• This role focuses on conducting routine internal reviews, monitoring transaction patterns, and working closely with branch and digital operations teams to mitigate operational risks, prevent fraud, and maintain compliance readiness.

Key Responsibilities

• Perform routine reviews of daily banking transactions, loan disbursements, and account opening documentation to ensure compliance with internal controls and KYC standards.
• Monitor compliance with Central Bank of Nigeria (CBN) regulations, NDIC requirements, and AML/CFT/CPF guidelines across all physical and digital banking channels.
• Identify operational risk areas within credit, cash management, and customer service workflows, and recommend corrective actions to mitigate vulnerabilities.
• Investigate transaction exceptions, operational errors, or suspected fraud cases, and draft detailed reports with findings and preventive recommendations for management.
• Review and verify internal reconciliations, expense claims, and vault balances to guarantee accurate record-keeping and safeguard bank assets.
• Track the implementation of internal and external audit recommendations to ensure all identified gaps are closed promptly by relevant business units.
• Conduct ongoing compliance and operational risk awareness briefings for frontline staff, loan officers, and operations teams.

Requirements

• Bachelor’s Degree or HND in Accounting, Finance, Banking & Finance, Business Administration, or a related discipline. Relevant certifications (e.g., MCIB, ACA, ACCA, or compliance certifications) are an advantage.
• 3 to 5 years of experience in internal control, compliance, or operations within a microfinance bank, fintech company, or commercial bank.
• Strong understanding of credit verification frameworks, digital lending operations, KYC/AML regulations, and retail banking controls.
• High proficiency in core banking applications, digital ledger systems, and MS Excel for data analysis and reporting.
• Sharp analytical skills, high integrity, strong attention to detail, and the ability to challenge operational deviations constructively.

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Key Responsibilities

Portfolio Monitoring & Portfolio Management:

• Develop and maintain the fund's portfolio monitoring framework covering financial, operational, ESG, impact, and governance indicators across all investee companies.
• Monitor portfolio performance from disbursement through repayment, ensuring timely identification of risks and opportunities.
• Track covenant compliance, repayment schedules, arrears, restructurings, and recovery activities across the debt and RBF portfolio.
• Conduct quarterly portfolio reviews, including management meetings, site visits, covenant testing, and performance assessments.
• Develop portfolio dashboards and management reports for the Investment Committee, Management Team, LPs, and Board.
• Maintain portfolio company risk ratings and performance assessments on an ongoing basis.
• Work closely with portfolio companies to improve financial reporting, governance structures, management information systems, and operational controls.
• Partner with the Technical Assistance function to design and implement post-investment support programs that enhance portfolio performance.
• Coordinate workout, restructuring, and recovery initiatives where portfolio companies experience financial stress.
• Prepare investor reporting packs, impact reports, capital account statements, and portfolio performance updates.

Credit Risk Management:

• Independently review all proposed debt and revenue-based financing transactions prior to Investment Committee approval.
• Conduct detailed credit analysis including financial statement reviews, cash flow modelling, stress testing, sensitivity analysis, and debt servicing assessments.
• Develop and maintain internal credit risk rating methodologies and ensure consistent application across the portfolio.
• Provide independent risk opinions and recommendations to the Investment Committee.
• Assess transaction structures, collateral arrangements, covenants, and risk mitigation measures.
• Monitor sector, country, borrower, and concentration exposures against approved risk limits.
• Design and oversee portfolio stress-testing exercises to assess resilience under adverse economic scenarios.
• Develop and maintain provisioning methodologies and Expected Credit Loss (ECL) models in line with IFRS 9 requirements.

Enterprise Risk Management:

• Lead the development and maintenance of the firm's enterprise risk management framework.
• Establish and monitor risk appetite statements, concentration limits, sector exposure limits, and country risk thresholds.
• Maintain the organization's risk register covering credit, operational, compliance, liquidity, FX, legal, and reputational risks.
• Conduct periodic risk assessments and present risk reports to senior management and the Board.
• Ensure compliance with applicable regulatory, investor, and governance requirements.
• Develop early-warning indicators and portfolio surveillance tools to identify emerging risks.
• Support business continuity planning and operational risk management initiatives.
• Coordinate with legal counsel, auditors, and external advisors on risk-related matters.

Impact Measurement & Reporting:

• Monitor impact performance indicators and ESG metrics across the portfolio.
• Support reporting aligned with recognized frameworks such as IRIS+, 2X Challenge, IMP, and DGGF requirements.
• Ensure portfolio companies provide accurate and timely impact and ESG data.
• Integrate impact and sustainability considerations into portfolio monitoring and risk assessment processes.

​Requirements

• Bachelor's Degree in Finance, Accounting, Economics, Business Administration, or a related field.
• Professional qualifications such as CFA, FRM, ACA, ACCA, CIPM, or equivalent are strongly preferred.
• Minimum of 7–10 years of relevant experience in credit risk management, portfolio monitoring, private credit, SME banking, development finance, impact investing, or fund management.
• Demonstrated experience monitoring debt portfolios and/or revenue-based financing transactions.
• Strong credit underwriting and transaction risk assessment experience.
• Experience designing or managing enterprise risk management frameworks.
• Working knowledge of IFRS 9, Expected Credit Loss (ECL) methodologies, Basel frameworks, and prudential risk management practices.
• Experience producing investor, LP, Board, and regulatory reports.
• Familiarity with impact measurement frameworks such as IRIS+, IMP, 2X Challenge, and ESG reporting standards is advantageous.
• Experience working within a DFI, private credit fund, impact fund, commercial bank, microfinance institution, or SME lender is highly desirable.
• Working knowledge of Francophone West Africa markets is advantageous.
• Proficiency in French is a plus.