Job Openings at Credit Direct Limited

Job Summary

• We are looking for a Sales Associates to evaluate, authorize approval or deny loan applications for people or for business.
• You will act as liaison between customers and our organization, and you will help qualified applicants acquire loans in a timely manner.

Requirements

Job Responsibilities

• Evaluate credit worthiness by processing loan applications and documentation within specified limits
• Interview applicants to determine financial eligibility and feasibility of granting loans
• Determine all applicable ratios and metrics and set up debt payment plans
• Communicate with clients either to request or to provide information
• Justify decisions (approvals/rejections) and report on them
• Complete loan contracts and counsel clients on policies and restrictions
• Update job knowledge on types of loans and other financial services
• Maintain and update account records
• Assess customer needs, explore all options, and introduce different types of loans
• Develop referral networks, suggest alternate channels and cross-sell products and services to accomplish quotas
• Go the “extra mile” to build trust relationships, customer loyalty and satisfaction throughout the underwriting process
• Operate in compliance with laws and regulations and adhere to lending compliance guidelines

Job Requirement

• Proven working experience as a Sales Officer
• Familiarity with computers and banking applications/software
• Solid understanding of direct/indirect lending products and practices
• Excellent communication and interpersonal skills
• Customer satisfaction orientation and sales competencies
• Ability to work in a goal-oriented environment
• BSc. degree in finance, marketing, economics, or a related field
• Excellent communication, influencing and negotiation skills

Person Specification

• Results-orientated and pragmatic with exceptional quantitative and analytical ability and attention to detail
• Driven, independent thinker and leader who can juggle multiple projects simultaneously with fast-changing priorities
• High level of integrity and dependability with a strong sense of urgency.
• A focus on execution. Willing and able to get hands dirty.
• Flexibility to roll up your sleeves and attack problems and projects as they arise, where you will need to set out a clear structure, method and outcomes yourself
• Ability to create effective working partnerships with senior leaders, challenge the thinking of others in respectful and thoughtful ways, influence upwards.
• Big picture thinker, a “never settle’ mindset.  

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Job Summary

• We are seeking a dynamic and seasoned Senior Financial Reporting Analyst who will directly report to the Chief Finance Officer.
• This role entails supervising a diverse range of responsibilities encompassing financial control and treasury functions.
• This includes fostering staff growth, collaborating with various departments, and identifying areas necessitating enhancements or transformations.

Job Responsibilities: - 

General Responsibilities:

• Orchestrating the enhancement of Accounting and Financial Processes and steering the development of the finance team to attain peak performance and best practices.
• Playing an active role in crafting and overseeing accounting policies and procedures, ensuring alignment with both current and future business models.
• Overseeing and mentoring junior staff members, encompassing aspects like recruitment, discipline, and performance evaluations.
• Providing advice on delivering cost-effective and streamlined accounting and financial systems, policies, and processes that cater to current and future business needs.
• Cultivating a positive and vibrant image of the Finance team within the larger organization.

Budgeting Responsibilities:

• Actively participating in the annual business plan development and budgeting process and lending ongoing financial modeling and analysis expertise to Executive Management. This supports the formulation of long-term strategic initiatives and business plans.
• Coordinating the formulation of the annual budget and assisting in the creation of revised monthly forecasts.
• Scrutinizing, analyzing, and reporting on departmental/office budgets, expenditures, and variances. Exercising control over approved financial plans and budgets. Facilitating fund reprogramming as per approved guidelines and policy.

Reporting Responsibilities:

• Preparing and presenting monthly and year-to-date financial statements for Credit Direct Limited, accompanied by comprehensive analysis of outcomes. This involves variance analysis of monthly and year-to-date figures for the Income Statement and Statement of Financial Position.
• Taking an active role in preparing presentations for Board and Board Finance Committee meetings.
• Directly overseeing the external audit of the organization's financial statements, scrutinizing and assessing results, and recommending approval for the Audited Financial Statements. Collaborating with external auditors to ensure compliance with all essential requirements.
• Supervising the month-end reporting to the Central Bank of Nigeria, with monthly returns submitted by the 5th day of the subsequent month.
• Providing oversight and guidance on accounting entries for various transactions.
• Managing general ledger accounts including receivables, prepayments, accruals, revenue, depreciation, costs, property, and operating expenses.

Job Requirements: 

• Minimum of second-class upper bachelor’s degree in finance, economics, or a related field.
• Possess professional qualifications such as ACA, ACCA or equivalent.
• Minimum of 5 years' experience in the same or core finance role.
• Demonstrates the ability to institute controls and innovative processes.
• Proficient in financial modeling, Microsoft excel and PowerPoint.
• Exhibits excellent verbal and written communication skills.
• Possesses a robust understanding of accounting principles and practices.

Person Specification: 

• A proven track record of maintaining high standards in financial reporting, controls, and processes.
• Meticulous attention to detail and accuracy in handling financial data and analysis.
• A proactive mindset, identifying opportunities for financial growth and operational enhancements.
• Capability to drive projects independently and embrace calculated risks.
• Strong interpersonal skills, fostering effective collaboration across teams and departments.
• Ability to convey financial insights and concepts in a relatable manner.
• Demonstrated ability to translate financial insights into actionable strategies, contributing to organizational goals.
• Effective project management skills, ensuring timely completion of tasks and projects.

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Job Summary

• The Strategy Associate at Credit Direct Limited will play a pivotal role in supporting research, strategy execution follow-ups, and business performance tracking.
• This role is ideal for individuals with a strong background in the financial services industry and places significant importance on meticulous tracking and follow-up.

Job Responsibilities

• Conduct comprehensive research on industry trends, competitors, and market dynamics to inform strategic decision-making.
• Assist in developing and executing strategic initiatives, collaborating closely with cross-functional teams.
• Track, monitor, and report on corporate key performance indicators (KPIs) to evaluate the effectiveness of implemented strategies.
• Analyze data to identify opportunities for process improvement and business growth.
• Collaborate with senior team members to prepare presentations and reports for internal and external stakeholders.
• Provide dedicated support in project management, ensuring that strategic initiatives are executed effectively and on schedule.
• Develop and maintain a system for tracking progress and follow-ups related to strategic initiatives.
• Develop reporting dashboards to track top Objectives & Key Results (OKRs)/KPIs and measure success.
• Work cross-functionally to size markets and develop launch strategies for new opportunities.
• Develop strategies for entering new categories and markets. 
• Assess our ability to win, and competitive threats in new and existing markets.
• In-depth quantitative analysis of Global Markets business results and internal metrics, third party competitive benchmarking data, to support a broad range of bespoke strategy projects.
• Assist in production of written memos and briefing materials.
• Communicate confidently in a clear, concise and articulate manner — verbally and in written form.
• Keep up to date with technical developments for business area.

Job Requirement

Experience:

• Bachelor's degree in finance, business, or a related field.
• A minimum of 2 years of relevant experience in the financial services industry.

Required Knowledge, Skills & Competencies:

• Strong analytical and research skills.
• Proficiency in data analysis and reporting.
• Excellent communication and presentation skills.
• Exceptional ability to follow up meticulously and track progress.
• Capability to work effectively in a collaborative team environment.
• Project management skills are a plus.
• Strong analytical, problem-solving, and critical thinking skills23
• Excellent written and verbal communication skills23

Person Specification

• Self-motivated, detail-oriented, and adept at keeping track of multiple tasks and people.
• Willingness to learn and adapt to evolving business strategies.
• A proactive mindset with a commitment to achieving results.
• Solid understanding of macroeconomics
• Experience in consulting, financial services or corporate strategy
• Ability to work independently and in teams, manage multiple projects and deadlines, and communicate effectively with senior stakeholders.
• Attention to detail and accuracy.
• Creativity and curiosity
• Passion for learning and growth