Job Openings at HR Aid

Key Responsibilities

Financial Planning, Control & Reporting

• Oversee day-to-day financial operations, budgeting, forecasting, and cash flow management.
• Lead the preparation and timely submission of financial statements, including:
• Management accounts (Income Statement, Balance Sheet, Cash Flow)
• CBN/Regulatory returns
• Monthly, quarterly, and annual reports for internal and external stakeholders
• Develop, monitor, and analyze budgets and financial performance. Conduct variance analyses and provide actionable insights.
• Prepare accurate cash flow forecasts tsupport liquidity and funding needs.
• Manage tax planning, computation, remittance, and statutory deductions (PAYE, VAT, WHT, etc.).

Compliance & Internal Controls

• Ensure compliance with all relevant regulations including CBN guidelines, FIRS requirements, and IFRS standards.
• Establish and maintain robust internal control systems, policies, and procedures.
• Liaise with external auditors, regulators, and tax consultants.
• Ensure proper record-keeping, audit readiness, and risk mitigation.

Portfoli& Credit Oversight (Supporting COO)

• Collaborate with the credit and risk teams tensure quality loan underwriting, sound credit decisioning, and portfolimonitoring.
• Monitor credit performance and analyze delinquencies; support recovery efforts and portfoliremedial actions.
• Conduct periodic loan book and collateral reviews tensure compliance with facility agreements.
• Support the COin credit risk evaluation and monthly risk asset meetings.

Strategic Financial Advisory

• Provide insights and recommendations tsupport the company’s financial strategy, investment decisions, and operational improvements.
• Drive automation and digital transformation in the finance department.
• Track key financial metrics and performance indicators tsupport business goals.
• Assist in capital raising, investor relations, and business expansion strategies when required.

Key Qualifications and Experience

• Bachelor’s degree in Accounting, Finance, or Business Administration (required)
• Qualified Accountant (ICAN/ACCA) – required
• Minimum of 7–10 years progressive experience in financial management, preferably in a financial services or lending institution
• Demonstrated experience in financial reporting, budgeting, tax, audit coordination, and regulatory reporting
• Strong understanding of credit risk, loan operations, and treasury management
• Hands-on experience with accounting software (e.g., QuickBooks, Sage, ZohBooks) and advanced Excel skills
• Familiarity with Nigerian tax laws and CBN regulatory guidelines

Skills and Competencies

Core Competencies

• In-depth knowledge of financial accounting, controls, and performance management
• Ability tinterpret financial data and draw strategic conclusions
• Ability tbuild, lead and motivate a finance team with integrity and accountability
• Knowledge of credit risk, financial risks, and regulatory risks
• Proficiency in accounting systems, automation tools, and reporting dashboards
• Ability talign financial management with overall business objectives

Soft Skills

• Strong communication and interpersonal skills
• Ability twork independently and collaboratively under pressure
• Attention tdetail and high levels of accuracy
• Results-oriented and proactive approach
• Critical thinker and problem-solver
• Client-focused mindset and commercial awareness

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Job Summary:

• The Credit and Marketing Officer is responsible for driving business growth through effective marketing and credit operations. This includes building and managing client relationships, executing credit assessments, growing the company’s loan portfolio, and ensuring excellent customer experience. The role is central to increasing revenue through the sale of financial products and managing risk assets in accordance with the company’s policies.

Core Responsibilities:

Business Development & Client Engagement:

• Proactively acquire and manage new and existing clients to grow loan and deposit portfolios.
• Conduct business reviews to ensure client satisfaction and loyalty.
• Develop tailored financial solutions based on client needs and business models.
• Prepare and present proposals, marketing pitches, and client onboarding documentation.
• Monitor competitor activities and industry trends to adjust marketing strategies accordingly.

Credit Operations:

• Conduct preliminary credit screening and risk assessments for loan applicants.
• Ensure facility requests meets the company’s target market definition and credit criteria.
• Liaise with internal departments to process credit applications promptly.
• Maintain accurate documentation for all credit transactions in line with policy.

Portfolio and Risk Management:

• Identify early warning signs of potential delinquency and proactively engage clients.
• Implement timely and strategic recovery actions for non-performing accounts.
• Maintain a healthy loan portfolio aligned with risk management frameworks.
• Collaborate with the risk team to ensure policy compliance and loan integrity.

Reporting and Documentation:

• Prepare and submit daily, weekly, and monthly activity reports, including call memos and sales pipelines.
• Maintain up-to-date records on all clients and credit activities for audits and compliance.

Required Knowledge and Skills:

• Bachelor\'s degree in Business Administration, Marketing, Finance, or a related field.
• At least 3 years of experience in financial product sales, credit analysis, or business development.
• Strong knowledge of financial services, credit management, and lending practices.
• Excellent verbal and written communication skills.
• Ability to explain financial concepts to clients in a clear and persuasive manner.
• Proficient in Microsoft Office tools and CRM software.
• Strong numerical, analytical, and research skills.
• Proven track record in meeting sales and revenue targets.

Person Specification:

• Passionate about customer service and client success
• Flexible and adaptable to a fast-paced work environment
• Confident, persuasive, and influential in client engagements
• Meticulous and detail-oriented
• Strong sense of urgency and time management
• Innovative thinker with problem-solving mindset
• High ethical standards and integrity