Moniepoint is a financial technology company digitising Africa’s real economy by building a financial ecosystem for businesses, providing them with all the payment, banking, credit and business management tools they need to succeed.
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The Portfolio Manager is responsible for overseeing the loan portfolio and leading a team of Field Credit Officers within a specific state. This role involves setting performance targets, ensuring credit risk is managed effectively, maintaining a healthy loan portfolio, and driving growth of the business and loan products. The Portfolio Manager will collaborate closely with other departments (Products, Risk, Operations, etc.) to uphold credit policies and ensure successful loan disbursement and repayment.
Key Responsibilities
Team Leadership and Management
- Supervise, mentor, and provide guidance to Field Credit Officers (FCOs) within the assigned state.
- Set and communicate clear performance goals and objectives for the FCOs, ensuring alignment with the company’s overall targets and strategy.
- Conduct regular performance reviews, identify training needs, and foster professional growth among team members.
Portfolio Oversight and Growth
- Develop and implement strategies to grow a robust and profitable loan portfolio in the assigned state.
- Monitor and analyze overall portfolio performance, including loan approvals, disbursements, and repayments, to ensure targets are met.
- Identify trends and potential risks, taking proactive measures to mitigate any issues that could impact portfolio health.
Credit Risk Management
- Ensure adherence to the organization’s credit policies and procedures.
- Review and approve on loan applications recommended by FCOs, providing final credit decisions where necessary.
- Conduct periodic credit risk assessments and collaborate with the Regional Credit Manager and VP, Credit Portfolio Management to refine and enhance credit evaluation frameworks.
Compliance and Reporting
- Maintain compliance with regulatory requirements and internal policies related to credit operations and portfolio management.
- Prepare and present regular portfolio performance reports to Regional Credit Manager and VP, Credit Portfolio Management, highlighting key metrics, trends, and recommendations for improvement.
- Ensure all documentation and records are accurate, up-to-date, and in line with compliance standards.
Stakeholder Engagement
- Collaborate with cross-functional teams (Products, Operations, Risk, etc.) to ensure seamless loan disbursement and servicing processes.
- Develop and maintain strong relationships with business clients and community stakeholders to enhance the company’s market presence.
- Address and resolve escalated customer issues and inquiries related to the loan portfolio.
Process Improvement
- Identify process gaps and inefficiencies within credit administration, making recommendations for system and process enhancements.
- Stay informed of industry best practices, market trends, and competitor activities, adapting strategies as needed.
Qualifications
- Bachelor’s Degree (or higher) in Business, Finance, Economics, or a related field
- Minimum of 4-5 years of relevant experience in lending, credit, or portfolio management, with at least 2 years in a supervisory role.
- Demonstrable experience in credit risk analysis and financial analysis.
- Strong knowledge of regulatory requirements and compliance in the financial sector.
- Proven track record in managing and growing a loan portfolio in a fast-paced environment.
- Must be resident in the state of responsibility.
Relevant Skills
- Leadership & Team Management
- Analytical & Problem-Solving Skills
- Communication & Interpersonal Skills
- Strategic Thinking & Planning
- Attention to Detail
- Technology Proficiency
Other Requirements
- High degree of integrity, professionalism, and confidentiality when dealing with sensitive information.
- Flexibility to travel for client visits, team meetings, and on-site evaluations as needed.
- Proactive and results-driven mindset, with a commitment to continuous improvement.
go to method of application »
As a field credit officer, you would be saddled with the duty of onboarding and managing businesses that would access our credit products. You would be tasked with growing your loan portfolio while maintaining profitability by ensuring that all loans are repaid as at when due. As a result, you would play a vital role in the assessment of these businesses during their credit application and leverage upon innovative tools we have developed to help you monitor their performance during the course of the loan.
You would also be responsible for making deductions from several information sources pertaining to the 5Cs of credit with capacity, character and capital as major priorities. Making recommendations to management before, during and after the disbursement of a loan facility as to the best actions to be taken, taking several economic factors into consideration.
Job Responsibilities
- Identify and onboard viable businesses within your assigned geographical area to open business accounts with Moniepoint
- Engage customers to ensure optimal usage of accounts in order to allow them qualify for access to credit
- Review and approve (or decline) loan requests by thoroughly analyzing all the data available
- Embark on physical visitation to potential borrowers’ business places for evaluation of business books, taking inventory and turnover into consideration
- Meet gross loan portfolio targets and portfolio profit targets by maintaining a healthy number of loan customers while ensuring that all loans in portfolio are performing
- Monitor active loan portfolio to ensure continued use of business account and loan repayment performance
- Perform all other credit related functions as may be assigned by a supervisor
Qualifications
- A minimum of an OND in any business related discipline
- A minimum of 2 years experience in a sales role for credit products in a financial institution
- Demonstrable knowledge of credit risk analysis
- A good knowledge of financial analysis is an added advantage
- Must be resident in Imo State
Relevant Skills
- Apt attention to details
- Proven simple/complex analytical skills
- Excellent communication, presentation and interpersonal skills
- Agility and perseverance
go to method of application »
The Portfolio Manager is responsible for overseeing the loan portfolio and leading a team of Field Credit Officers within a specific state. This role involves setting performance targets, ensuring credit risk is managed effectively, maintaining a healthy loan portfolio, and driving growth of the business and loan products. The Portfolio Manager will collaborate closely with other departments (Products, Risk, Operations, etc.) to uphold credit policies and ensure successful loan disbursement and repayment.
Key Responsibilities
Team Leadership and Management
- Supervise, mentor, and provide guidance to Field Credit Officers (FCOs) within the assigned state.
- Set and communicate clear performance goals and objectives for the FCOs, ensuring alignment with the company’s overall targets and strategy.
- Conduct regular performance reviews, identify training needs, and foster professional growth among team members.
Portfolio Oversight and Growth
- Develop and implement strategies to grow a robust and profitable loan portfolio in the assigned state.
- Monitor and analyze overall portfolio performance, including loan approvals, disbursements, and repayments, to ensure targets are met.
- Identify trends and potential risks, taking proactive measures to mitigate any issues that could impact portfolio health.
Credit Risk Management
- Ensure adherence to the organization’s credit policies and procedures.
- Review and approve on loan applications recommended by FCOs, providing final credit decisions where necessary.
- Conduct periodic credit risk assessments and collaborate with the Regional Credit Manager and VP, Credit Portfolio Management to refine and enhance credit evaluation frameworks.
Compliance and Reporting
- Maintain compliance with regulatory requirements and internal policies related to credit operations and portfolio management.
- Prepare and present regular portfolio performance reports to Regional Credit Manager and VP, Credit Portfolio Management, highlighting key metrics, trends, and recommendations for improvement.
- Ensure all documentation and records are accurate, up-to-date, and in line with compliance standards.
Stakeholder Engagement
- Collaborate with cross-functional teams (Products, Operations, Risk, etc.) to ensure seamless loan disbursement and servicing processes.
- Develop and maintain strong relationships with business clients and community stakeholders to enhance the company’s market presence.
- Address and resolve escalated customer issues and inquiries related to the loan portfolio.
Process Improvement
- Identify process gaps and inefficiencies within credit administration, making recommendations for system and process enhancements.
- Stay informed of industry best practices, market trends, and competitor activities, adapting strategies as needed.
Qualifications
- Bachelor’s Degree (or higher) in Business, Finance, Economics, or a related field
- Minimum of 4-5 years of relevant experience in lending, credit, or portfolio management, with at least 2 years in a supervisory role.
- Demonstrable experience in credit risk analysis and financial analysis.
- Strong knowledge of regulatory requirements and compliance in the financial sector.
- Proven track record in managing and growing a loan portfolio in a fast-paced environment.
- Must be resident in the state of responsibility.
Relevant Skills
- Leadership & Team Management
- Analytical & Problem-Solving Skills
- Communication & Interpersonal Skills
- Strategic Thinking & Planning
- Attention to Detail
- Technology Proficiency
Other Requirements
- High degree of integrity, professionalism, and confidentiality when dealing with sensitive information.
- Flexibility to travel for client visits, team meetings, and on-site evaluations as needed.
- Proactive and results-driven mindset, with a commitment to continuous improvement.
go to method of application »
As a field credit officer, you would be saddled with the duty of onboarding and managing businesses that would access our credit products. You would be tasked with growing your loan portfolio while maintaining profitability by ensuring that all loans are repaid as at when due. As a result, you would play a vital role in the assessment of these businesses during their credit application and leverage upon innovative tools we have developed to help you monitor their performance during the course of the loan.
You would also be responsible for making deductions from several information sources pertaining to the 5Cs of credit with capacity, character and capital as major priorities. Making recommendations to management before, during and after the disbursement of a loan facility as to the best actions to be taken, taking several economic factors into consideration.
Job Responsibilities
- Identify and onboard viable businesses within your assigned geographical area to open business accounts with Moniepoint
- Engage customers to ensure optimal usage of accounts in order to allow them qualify for access to credit
- Review and approve (or decline) loan requests by thoroughly analyzing all the data available
- Embark on physical visitation to potential borrowers’ business places for evaluation of business books, taking inventory and turnover into consideration
- Meet gross loan portfolio targets and portfolio profit targets by maintaining a healthy number of loan customers while ensuring that all loans in portfolio are performing
- Monitor active loan portfolio to ensure continued use of business account and loan repayment performance
- Perform all other credit related functions as may be assigned by a supervisor
Qualifications
- A minimum of an OND in any business related discipline
- A minimum of 2 years experience in a sales role for credit products in a financial institution
- Demonstrable knowledge of credit risk analysis
- A good knowledge of financial analysis is an added advantage
- Must be resident in Osun State
Relevant Skills
- Apt attention to details
- Proven simple/complex analytical skills
- Excellent communication, presentation and interpersonal skills
- Agility and perseverance
go to method of application »
As a field credit officer, you would be saddled with the duty of onboarding and managing businesses that would access our credit products. You would be tasked with growing your loan portfolio while maintaining profitability by ensuring that all loans are repaid as at when due. As a result, you would play a vital role in the assessment of these businesses during their credit application and leverage upon innovative tools we have developed to help you monitor their performance during the course of the loan.
You would also be responsible for making deductions from several information sources pertaining to the 5Cs of credit with capacity, character and capital as major priorities. Making recommendations to management before, during and after the disbursement of a loan facility as to the best actions to be taken, taking several economic factors into consideration.
Job Responsibilities
- Identify and onboard viable businesses within your assigned geographical area to open business accounts with Moniepoint
- Engage customers to ensure optimal usage of accounts in order to allow them qualify for access to credit
- Review and approve (or decline) loan requests by thoroughly analyzing all the data available
- Embark on physical visitation to potential borrowers’ business places for evaluation of business books, taking inventory and turnover into consideration
- Meet gross loan portfolio targets and portfolio profit targets by maintaining a healthy number of loan customers while ensuring that all loans in portfolio are performing
- Monitor active loan portfolio to ensure continued use of business account and loan repayment performance
- Perform all other credit related functions as may be assigned by a supervisor
Qualifications
- A minimum of an OND in any business related discipline
- A minimum of 2 years experience in a sales role for credit products in a financial institution
- Demonstrable knowledge of credit risk analysis
- A good knowledge of financial analysis is an added advantage
- Must be resident in Enugu
Relevant Skills
- Apt attention to details
- Proven simple/complex analytical skills
- Excellent communication, presentation and interpersonal skills
- Agility and perseverance
go to method of application »
Job Purpose
The Business Development Executive will play a crucial role in driving revenue growth for our Enterprise Merchant Products Suite. This individual will be responsible for identifying, developing, and closing business opportunities within the Nigerian market and beyond.
Key Responsibilities
- Prospecting and Lead Generation: Research and identify potential clients within the target market. Develop and implement effective lead generation strategies to build a robust pipeline of opportunities.
- Sales Cycle Management: Manage the entire sales cycle from initial contact to contract negotiation and closure. Build strong relationships with clients and provide exceptional customer service. Provide post-sales support to ensure customer satisfaction and retention.
- Business Development: Develop and execute business development plans to drive revenue growth and market penetration. Identify new market opportunities and develop strategies to capitalize on them.
- Partner Management: Collaborate with strategic partners to expand market reach and cross-sell products. Manage partner relationships and ensure alignment with company objectives.
- Market Analysis: Conduct market research to understand industry trends, competitor activities, and customer needs. Use this information to inform sales strategies and product development.
- Sales Reporting: Prepare regular sales reports and forecasts to track progress and identify areas for improvement. Analyze sales data to identify trends and optimize sales performance.
- Team Collaboration: Work closely with the Enterprise Sales team to achieve shared goals.
Requirements and Skills
- Bachelor's degree in Business Administration, Marketing, or a related field.
- 5 years of experience and proven track record in enterprise sales, preferably in the fintech or financial services industry.
- Strong understanding of the Nigerian market and business landscape.
- Proficiency in using CRM software and sales tools.
- Experience working in a fast-paced environment.
- Knowledge of digital payments, mobile banking, or other fintech products.
- Excellent communication and interpersonal skills.
- Ability to build strong relationships with clients and partners.
- Strong negotiation and closing skills.
- Self-motivated and results-oriented.
- Certification in sales or business development.
go to method of application »
As a field credit officer, you would be saddled with the duty of onboarding and managing businesses that would access our credit products. You would be tasked with growing your loan portfolio while maintaining profitability by ensuring that all loans are repaid as at when due. As a result, you would play a vital role in the assessment of these businesses during their credit application and leverage upon innovative tools we have developed to help you monitor their performance during the course of the loan.
You would also be responsible for making deductions from several information sources pertaining to the 5Cs of credit with capacity, character and capital as major priorities. Making recommendations to management before, during and after the disbursement of a loan facility as to the best actions to be taken, taking several economic factors into consideration.
Job Responsibilities
- Identify and onboard viable businesses within your assigned geographical area to open business accounts with Moniepoint
- Engage customers to ensure optimal usage of accounts in order to allow them qualify for access to credit
- Review and approve (or decline) loan requests by thoroughly analyzing all the data available
- Embark on physical visitation to potential borrowers’ business places for evaluation of business books, taking inventory and turnover into consideration
- Meet gross loan portfolio targets and portfolio profit targets by maintaining a healthy number of loan customers while ensuring that all loans in portfolio are performing
- Monitor active loan portfolio to ensure continued use of business account and loan repayment performance
- Perform all other credit related functions as may be assigned by a supervisor
Qualifications
- A minimum of an OND in any business related discipline
- A minimum of 2 years experience in a sales role for credit products in a financial institution
- Demonstrable knowledge of credit risk analysis
- A good knowledge of financial analysis is an added advantage
- Must be resident in Akwa-Ibom
Relevant Skills
- Apt attention to details
- Proven simple/complex analytical skills
- Excellent communication, presentation and interpersonal skills
- Agility and perseverance
Method of Application
Use the link(s) below to apply on company website.
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