Job Vacancies at LAPO Microfinance Bank Limited

Job Summary

• The Head, Payroll Lending, is responsible for the strategic leadership, growth, and operational performance of the Bank’s payroll lending business. This role entails developing robust credit policies, overseeing the end-to-end loan lifecycle, ensuring regulatory compliance, including adherence to Central Bank of Nigeria (CBN) guidelines, and driving innovative payroll loan products and partnerships. The ideal candidate is an experienced credit professional with a strong background in payroll-based lending, portfolio risk management, and business development within Nigeria's financial services sector.

Key Responsibilities

• Design and execute a growth-focused strategy for the Bank’s payroll lending portfolio in line with corporate objectives.
• Establish, review, and regularly update payroll lending policies and procedures to ensure efficiency, compliance, and risk control.
• Identify and develop new payroll loan offerings based on market needs and competitor analysis; collaborate with Product and IT teams to bring solutions to market.
• Lead the credit risk evaluation process for payroll loans and implement frameworks to mitigate delinquency and default risks.
• Monitor the payroll lending portfolio's performance, assess key performance indicators (KPIs), and implement strategies to enhance loan quality and profitability.
• Build and maintain strategic relationships with employers, government agencies, and corporate partners to boost payroll loan origination. 
• Supervise and coach the payroll lending team, promote professional growth, and maintain a high-performance culture.
• Ensure adherence to all applicable laws, CBN guidelines, data protection regulations, and internal control policies concerning payroll lending.
• Generate insightful portfolio performance reports and dashboards for senior management, with actionable recommendations for improvement.
• Identify areas for operational efficiency and implement enhancements to reduce turnaround time and improve borrower experience.
• Work closely with departments such as Finance, Internal Control, Marketing, Risk, and IT to ensure seamless operations and cross-functional support.

Qualifications & Experience

• Bachelor's degree in Finance, Economics, Business Administration, or a related field. Relevant professional certifications (e.g., CIBN, CRMS, ACA) are an advantage.
• Minimum of 7 years of experience in consumer lending, with at least 3 years in payroll lending or unsecured loans within the Nigerian financial sector.

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Job Summary

• To effectively manage the relationship between the MfB and tax authorities, thus enhancing smooth, hitch-free interaction with Inland & Internal Revenue Services

Key Responsibilities

• Ensure full compliance with all relevant tax laws and finance acts applicable to the MfB (CIT, EDT, PAYE, WHT, VAT, TP, CRS, etc).
• Ensure and monitor payment of taxes to the relevant government authorities.
• Ensure that deductions of taxes are made from applicable transactions.
• Coordinate tax audits and supervise tax functions across the MfB.
• Exploring ways within the tax system and laws that the MfB can take advantage of.
• Put in place a process for the prompt filing of annual tax returns (PAYE and company income tax).
• Review tax (PAYE, WHT and CIT) accruals made in the general ledger for adequacy and reconcile to schedule.
• Perform year end accrual review and prepare tax provision with supporting schedules.
• Work with payroll unit to ensure the deduction of taxes and that taxes deducted are correct.
• Handle all tax information request including processing of tax clearance for staff and the MfB.
• Improve tax processes of the MfB by developing or implementing best practices.
• Identify and mitigate tax risks.
• Provide innovative tax planning for the staff and the MfB.
• Ensuring prompt responses to queries on demand notices and other correspondences before deadlines to relevant government authorities.
• Remittance of WHT deductions and VAT payments to relevant tax authorities; and
• Provide monthly update on tax information as it affects the MfB, in addition to identifying and mitigating tax risks.

Qualifications & Experience

• Education:  A good bachelor’s degree/HND in Accountancy. Professional accounting certification and MBA will be added advantage.
• Experience:  Minimum of 5 years relevant experience in a reputable firm or company

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Job Summary

• A general services manager is responsible for overseeing and planning the delivery and quality of essential services that support the core functions of an organization; additionally, ensure availability, receipt, smooth distribution and documentation of all operational material across all branches in the zone.

DUTIES & RESPONSIBILITIES

• Maintain data base of all asset of the bank as relate to the zone
• Coordinate and ensure that appropriate asset in the zone is insured 
• Track and monitor use of papers at meetings and submit monthly report
• Manage all insurance related matters
• Manage and collate all rent related issues
• Monitor all budgets and expenditures as regard to asset management 
• Ensure that all office is branded in line with bank goals & objective
• Supervise and keep records of all securities, and cleaner across the bank
• Attend to vendors and ensure that all vendors are duly register with the bank
• Ensure effective distribution of all operating materials and stocks to all branches in the zone
• Receive and document all stocks and stationaries in the zone
• Keep up to date inventory of stock and stationaries in the zone and do a quarterly stock/stationaries needs assessment
• Ensure that all approved CUG and Non-CUG lines are topped up.
• Be responsible for vehicle monitoring and maintenance
• Ensure all branch equipment, furniture and other needs are met
• Perform other duties and responsibilities, as may be assigned periodically. 

Requirements

• Bachelor’s in Business Administration or related field
• 5–7 years in facilities/corporate services
• Strong leadership and organizational skills

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Job Summary

• People & Culture Manager is responsible for the organizations' success by overseeing employee Lifecyle from onboarding to exit, ensuring compliance driven and strategic people management with culture initiative in other to achieve the bank goal & objectives in a seamless and friendly environment

DUTIES & RESPONSIBILITIES

• Be responsible for recruitment, training and efficient utilization of all human resources in the zone
• Ensure staff on-boarding documentation including staff guarantors (and revalidation) are concluded and filed
• Ensure proper and efficient performance management of all staff
• Maintain up to date records of staff in the zone and transmit to Head Office
• Creation & Deactivation of Users on all Platforms within the Bank
• Ensure that all staff are duly registered with Pension Fund Administrators
• Manage all insurance related matters
• Foster positive work environment and satisfaction
• Address grievance, conflict and disciplinary actions among employees
• Ensure the implementation of performance evaluation system
• Ensure adherence to labour law and company policy
• Communicate people management and culture policies, programs and initiatives
• Perform other duties and responsibilities, as may be assigned periodically. 

Requirements

• Bachelor’s in HR or related field
• 5–7 years in HR/People & Culture
• Strong leadership and communication skills