Job Vacancies at Sabi

Job Summary

• We are seeking an experienced Senior Wealth Manager, who will be responsible for driving high-value customer acquisition, portfolio growth, advisory excellence, and relationships management for affluent and upper–mass market customers. This role leads business development efforts, manages large ticket portfolios, and supports the overall growth strategy of the Wealth team by generating sustainable monthly revenue contributions. The successful candidate will play a critical role mentoring other Wealth Managers and collaborate closely with leadership to shape customer experience and product performance.

What you will be doing

Client Acquisition & Portfolio Growth

• Source, acquire, and onboard high-value customers (HNI/upper mass market) into the bank’s wealth portfolio.
• Deliver consistent monthly business targets in line with team objectives.
• Build and manage a strong pipeline of prospects through networks, referrals, events, and market intelligence.
• Lead strategic initiatives to grow deposits, investment, and credit-linked wealth products.

Relationship Management & Advisory

• Provide tailored financial advisory services based on client needs, goals, and risk appetite.
• Conduct regular portfolio reviews to optimize client satisfaction and retention.
• Ensure prompt resolution of client issues while delivering premium customer experience.
• Maintain high professional standards and strong compliance with advisory processes.

Business Strategy and Revenue Delivery

• Contribute to the development of wealth products and go-to-market strategies.
• Drive revenue growth through deposits, investment products, structured wealth solutions, and SME-linked offerings.
• Collaborate with Finance and Product teams to align offerings with customer needs.

Team Leadership and Mentorship

• Provide guidance, coaching, and performance support to Wealth Managers and Analysts.
• Support team-based performance tracking and help improve conversion ratios.
• Share market insights and best practices within the team.

Compliance and Risk Management

• Ensure adherence to regulatory guidelines (CBN, AML/CFT, Data Privacy).
• Maintain clean KYC, onboarding, and documentation standards.
• Identify and escalate potential compliance or operational risks.
• Ensure ethical sales practices across all client interactions

Reporting and Performance Monitoring

• Prepare weekly and monthly business performance updates.
• Maintain accurate records of client engagements and portfolio performance.
• Use CRM and internal tools to ensure data completeness and reporting accuracy

Requirements

Special Skills and Qualifications 

• Bachelor’s degree in Finance, Business Administration, Economics, or related fields.
• 6–10 years and above of relevant experience in Wealth Management, Funds Mobilization, Private or Affluent Banking.
• Proven track record in meeting large monthly targets.
• Greater than 80% month on month customer retention.
• Strong networks within affluent and business communities.
• Strong experience leveraging digital platforms for customer acquisition and retention.
• Solid experience managing high-value portfolios and advisory relationships.
• Excellent relationship management and networking skills.
• Strategic thinking and financial acumen.
• Strong analytical and problem-solving skills.
• Exceptional communication negotiation, and stakeholder engagement skills.

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Job Summary

• We are seeking an experienced and strategic Head of Loans, who will provide operational and leadership oversight for all lending activities within Katsu MFB. This role is responsible for designing and executing the bank’s loan strategy, building strong credit and sales operations, ensuring portfolio quality, and driving sustainable loan book growth across retail, micro, SME, and structured/commodity-linked lending.
• The role will also be responsible for leading Credit Sales, Loan Operations, Field/Loan Agents, Remedial/Collections, and collaborate with Risk, Compliance, and Product to drive a healthy, scalable lending business.

What you will be doing

Strategy and Business Leadership

• Develop and execute the overall lending strategy for Katsu MFB in alignment with business and risk appetite.
• Translate strategic objectives into actionable targets across retail, SME, group lending, and ecosystem-linked products.
• Lead expansion of lending channels including agent networks, field teams, digital journeys, and ecosystem integrations.

Loan Portfolio Growth and Performance

• Drive monthly loan disbursement targets across micro, SME, and retail segments.
• Ensure strong pipeline development and sales discipline across all lending teams.
• Supervise portfolio performance, monitor trends, and adjust strategy to maintain a healthy book.
• Collaborate with Marketing and Product to design customer-centric credit offerings.

Credit Operations and Process Management

• Oversee end-to-end loan lifecycle: origination, evaluation, approval, disbursement, monitoring, and closure.
• Streamline lending workflows to improve speed, efficiency, and customer experience.
• Establish strong documentation, verification, and due diligence standards across all lending units.
• Ensure effective onboarding and training of loan agents, analysts, and sales staff.

Risk Management and Compliance Alignment

• Partner with the Credit Risk Manager and Compliance to adhere to CBN microfinance lending guidelines.
• Implement robust early warning and fraud prevention mechanisms.
• Drive consistent adherence to credit policy, underwriting rules, and risk controls.
• Ensure zero tolerance for documentation gaps, policy breaches, or unethical practices.

Collections, Recovery and Remedial Oversight

• Provide leadership for collections and delinquency management teams.
• Implement targeted recovery strategies for overdue accounts.
• Ensure alignment between Sales, Operations, and Risk to maintain low PAR/NPL levels.
• Track and escalate high-risk accounts to risk or legal units where necessary.

Team Leadership & People Management

• Lead and develop the Lending Team across Credit Sales, Field Agents, and Loan Operations.
• Implement performance management, coaching, and talent development programs.
• Foster a culture of accountability, teamwork, and customer-first execution.

Reporting and Stakeholder Management

• Prepare accurate monthly and quarterly loan performance reports for management and the Board.
• Engage senior stakeholders across Sabi/Katsu ecosystem to drive business growth.
• Provide insights into Product, Risk, and Finance to enhance lending decisions and profitability.

Requirements
Special Skills and Qualifications

• Bachelor’s degree in Accounting, Finance, Business, Economics, or related field.
• 8–12+ years of experience in lending, credit operations, or loan management.
• Strong background in Microfinance, Digital Lending, SME Lending, or Structured Lending.
• Demonstrated leadership experience managing sales and credit teams.
• Strong understanding of CBN Microfinance guidelines and operational frameworks.
• Experience with ecosystems, commodity-linked, or supply-chain lending is a plus.
• Strong lending and credit operations expertise.
• High-level business development and pipeline management skills.
• Strong understanding of loan performance metrics (PAR, NPL, roll rates).

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Job Summary

• We are seeking an experienced Recovery Manager, who will be responsible for managing and coordinating the bank’s collections and recovery activities to minimize loan defaults, reduce non-performing loans (NPL), and ensure the overall health of the loan portfolio. The role oversees early-stage, late-stage, and field collections teams, ensures adherence to recovery strategies, and drives efficiency in delinquency management across micro, SME, digital, and ecosystem-linked lending. The role plays a critical role in safeguarding the bank’s asset quality through proactive monitoring, workflow optimization, and effective engagement with customers, guarantors, and recovery partners.

What you will be doing

Collections and Recovery Leadership

• Lead, supervise, and coordinate in-house collections teams (early, mid, and late-stage).
• Oversee field recovery activities, including skip tracing, customer visits, and asset repossession (where applicable).
• Implement and refine recovery strategies to reduce PAR and NPL ratios.
• Manage outsourced recovery partners and ensure performance against agreed SLAs.

Portfolio Monitoring and Delinquency Management

• Conduct daily monitoring of overdue accounts and ensure timely follow-up by the collections team.
• Analyse repayment patterns, identify root causes of defaults, and recommend interventions.
• Develop and execute targeted action plans for high-risk or deteriorating accounts.
• Track and escalate critical delinquent accounts to the Credit Risk Manager or Legal team when required.

Process Improvement and Operations Controls

• Maintain accurate and up-to-date records of customer repayment status and recovery actions taken.
• Ensure recovery documentation, including call logs, visit reports, and repayment promises, is complete and compliant.
• Strengthen internal controls to prevent fraud, misapplication of payments, or operational lapses.
• Recommend improvements to credit and collections workflows to enhance efficiency and customer experience.

Stakeholder Engagement

• Work closely with the Credit Risk Manager to align recovery actions with risk appetite and credit policies.
• Collaborate with Loan Operations, Sales, and Field Agents to resolve account issues quickly.
• Liaise with Legal for escalated matters including recovery litigation, demand notices, repossessions, and enforcement.
• Provide customer education on repayment obligations, loan terms, and restructuring processes.

Team Management and Performance Development

• Lead, coach, and develop collections officers and field recovery staff.
• Conduct weekly performance reviews and set clear productivity targets.
• Ensure recovery teams adhere to compliance, customer protection guidelines, and ethical conduct.
• Provide training on negotiation, root-cause analysis, and conflict management.

Reporting and Analytics

• Prepare accurate monthly and quarterly loan performance reports.
• Track and present key metrics including:
• PAR ratios (PAR 1, 7, 30, 60, 90+)
• Roll rates
• NPL trends
• Collections efficiency
• Promise-to-pay (PTP) fulfillment
• Provide insights and recommendations to leadership to improve portfolio health

Requirements
Special Skills and Qualifications

• Bachelor’s degree in Finance, Business, Accounting, Economics, or related field.
• 10+ years of experience in collections or loan recovery, preferably in microfinance, digital lending, or retail/SME credit.
• Strong experience managing recovery teams and field operations.
• Working knowledge of Microfinance regulatory requirements and CBN guidelines.
• Experience handling legal escalations, repossessions, and third-party recovery agents.
• Evidence of achieving low delinquency and improved portfolio quality.
• Strong collections and negotiation skills.
• Deep understanding of credit risk and portfolio dynamics.
• Strong field recovery coordination and customer engagement experience.
• Ability to manage difficult customers professionally.
• Process-oriented and documentation-focused.