Jobs at First Ally

Job Description

• A Relationship Officer is responsible for prospecting, marketing, business development, and income generation in line with the key performance indicators.
• The Relationship Officer is the interface between the Bank and the customer and nurtures mutually beneficial relationships between both parties.

Duties and Responsibilities

• Achieve growth within the key performance indicators: liability and risk asset generation, account opening, income generation, and e-banking product offerings.
• Evaluate the creditworthiness of customers by processing loan applications and documentation.
• Monitors active loans and enforces collection and recoveries.
• Ensures the achievement of all budget parameters.
• Develop referral networks and cross-sell products and services.
• Ensures a high level of customer satisfaction through excellent customer engagement and service delivery.
• Actively seek out new sales opportunities through cold calling, networking, and referrals.
• Expedites the resolution of complaints to maximize satisfaction and boost the customer service experience.
• Achieve a healthy portfolio and deposit mix.
• Executes marketing strategies and develops marketing campaigns.
• Ensures compliance with all internal policies and regulatory guidelines.
• Monitors competition by gathering current marketplace information on pricing, products, etc.
• Recommends changes in products, services, and policies by evaluating results and competitive developments.
• Identify potential loan markets and develop referral networks.
• Perform any other duties as may be assigned by Management.

Qualifications and Experience

• Candidates should possess a B.Sc / HND in Social Science or any other related course.
• Evidence of completion / exemption from NYSC.
• 3 - 10 years of work experience
• Previous experience in a marketing role in a Microfinance Bank or Financial Organization is an advantage.

Skills:

• Demonstrated ability to communicate, present, and influence credibly and effectively at all societal levels.
• Proven ability to drive the sales process.
• Strong business sense and industry expertise.
• Basic understanding of sales principles and customer service practices.
• Friendly, helpful, confident, and engaging personality.
• Excellent communication and interpersonal skills.
• Ability to work in a goal-oriented environment.
• Ability to work in a team
• Strong planning, organizational, and time management abilities
• Proficient in the use of the MS Office Suite.

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Job Summary

• The Branch Manager is responsible for the development, coordination, supervision, and implementation of operational and business activities in the branch.
• The job holder implements strategic plans and drives sales targets and revenue in line with budgetary projections.

Duties and Responsibilities

• Ensure high-quality service by efficiently managing, developing and using all available resources (i.e. staff, systems and processes)
• To ensure that customers are migrated to more appropriate and cost-effective channels, cross-selling opportunities are identified and actioned based on customer needs.
• Proactively identify and assess the risks faced by the branch and reduce the overall exposure by maintaining an effective system of controls.
• Ensure the effective rollout of management initiatives to the branch
• Maintains a high level of integrity and ethical standards
• Manage assets, e.g. cash and cost accountabilities, with emphasis on the containment of controllable costs
• Manage and ensure the overall operational readiness and efficiency of branch infrastructure (including premises, assets, physical security, opening and closing procedures, and operational issues such as fraud, losses, and differences).
• Ensure that an effective control structure is maintained, with control activities defined at every level and duties appropriately segregated and recommend revision of internal controls where appropriate to address new or previously uncontrolled risks
• Ensure that dual controls, levels of authority and limits of access to information and systems are adhered to
• Develop marketing and relationship management plans to achieve responsive sales targets for the centers
• Coach the responsive relationship management team on product knowledge,
• Monitor and manage the performance and development of subordinates to ensure sustained profitability, compliance with the Code of Banking Practice, internal controls and overall well-being of staff
• Prepare a staffing plan to meet service demands in the branches
• Prepare periodic reports, including daily, weekly, monthly, quarterly and annual reports
• Achieve volume and revenue target
• Flexibility to carry out any other task as requested by Management.

Qualifications

• HND / B.Sc in Science, Social Science or any other related course
• Evidence of completion/ exemption of/from NYSC
• Evidence of completion of Microfinance Certification program.

Experience:

• Minimum of five (5) years’ experience as a Branch Manager in a bank.
• Analytical and practical understanding of workflow, capacity planning, optimization and process implementation
• Proven experience of marketing and negotiating techniques

Skills:

• Basic Financial Analysis: Ability to interpret income statements, balance Sheets, cash flow statements, and financial ratios
• Business acumen: ability to spot opportunities and optimize revenue generation for the business
• Thorough knowledge of standardized banking products
• A good working knowledge and understanding of behavioral credit scoring principles and practices, including an understanding of all SME product
• Extensive knowledge of banking regulations
• Understanding and applying best practices in all areas of Operations with the ability to drive efficiency and effectiveness
• Strategy planning and implementation
• Strong planning, organizational and time management abilities
• Excellent computer skills; experience in financial software, Microsoft Office Suite
• Advanced knowledge of regulatory provisions, policies and best practices
• Leadership, team management and mentoring
• Metrics-driven mindset
• Excellent verbal and written communication skills, including ability to effectively communicate with internal and external customers
• Proficient in the use of MS Office suite.

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Job Description

• The Head, Marketing is responsible for the development, planning and execution of the marketing strategy of the bank. 
• The Head, Marketing oversees and manages a high-performance team of professionals responsible for product development, marketing and business development.

Responsibilities

• Develops and executes the marketing and business strategy of the bank
• Prepares, implements and achieve annual budget parameters
• Ensures a healthy portfolio and deposit mix
• Develops key initiatives reflective of the overall corporate strategic plan
• Keep abreast of industry and market trends
• Manages the marketing team to deliver strategic objectives across all branches
• Manage cross-functional teams to complete strategic plan initiatives
• Measure budget achievement and implement remedial action where necessary
• Oversee the management of corporate events including customer loyalty programs, customer forums, and corporate social responsibility
• Identify market trends and conduct market research to identify sales, consumer behavior and evaluate customer needs
• Develop and direct marketing campaigns and measure campaign achievement against set goals
• Develop an annual marketing plan and oversee its implementation
• Develop market segmentation, competitive analysis/market intelligence, and prospecting
• Build a strong professional workforce by developing competent individuals in the marketing department
• Oversee the development of new products on a regular basis.
• Actively seek out new sales opportunities through networking and referrals
• Drive business growth across all indices
• Perform any other duties as may be assigned by Management
• Flexibility to carry out any other task as requested by the Managing Director.

Qualifications

• HND/BSc/ in science, social science or any other related course
• Evidence of completion/ exemption of/from NYSC
• Evidence of completion of Microfinance Certification program
• Minimum of 5 years of proven experience asa business development manager/chief marketing officer in a similar role in a bank
• Proven performance record in a reputable Microfinance Bank
• Proven experience in marketing and negotiating techniques
• Thorough knowledge of marketing principles, brand, product and service management
• Demonstrable experience in developing efficient strategies and business plans
• Evidence of completion of the Microfinance Certification program.

Skills:

• Strong marketing and public relations skills
• Good team player with excellent leadership traits and capabilities
• Innovative and creative abilities
• Strategies development and business plan creation
• Training and coaching skills
• Strategic and analytical thinking
• Solid understanding of market research and data analysis
• Outstanding interpersonal, communication, and presentation skills (written and verbal)
• Have a strong track record of selling financial products and possess experience supervising different branches to achieve their sales targets.
• Possess the ability to design products and initiate marketing campaigns.
• Excellent business acumen and industry expertise
• Robust network and contact within the industry
• Proficient in the use of MS Office Suite
• Extensive knowledge of banking regulations
• A good working knowledge and understanding of behavioural credit scoring principles and practices, including an understanding of all SME product

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Job Description

• The Accountant is responsible for reconciliation and settlement activities and will provide revenue assurance to the bank.

Responsibilities

• Ensure daily reconciliation and posting of all of all transactions and provide daily/weekly reconciliation and settlement reports.
• Support the E-business team in resolving settlement and reconciliation matters.
• Monitor income/fees and ensure value is promptly transferred to the bank.
• Verify the incoming and outgoing payments on e-channel accounts.
• Reconcile bank statements with entries in the bank ledger on a daily, weekly, or monthly basis and present the reconciliation reports.
• Prepare daily and weekly reports on over/undersettlement of transactions.
• Identify, follow up on, and investigate unreconciled transactions or discrepancies to enable prompt resolutions
• Liaising regularly with various bank account officers on issues relating to direct debits, standing orders, unidentified credits, and charges from time to time.
• Monitors the deduction on loans and facilities with various banks and reconciles with the terms and conditions of the offer.
• Develop and maintain business relations with payment partners.
• Liaise with the settlement bank and payment processing companies on potential under settlement and ensure resolution of issues identified in line with the company’s policies and procedures.
• Advise the finance team of possible over-settlement for necessary provisions.
• Maintain reconciliation records.
• Rendition of monthly returns and processing of associated payments for FIRS, LIRS and PFAs within seven days of deduction.
• Sending daily dashboard reports to management.
• Provide support to other finance team if required.
• Support the end-of-day/month and year processes.
• Flexibility to carry out any other task as requested by Management.

Qualifications

• HND / B.Sc in Accounting, Economics or a related field.
• Evidence of completion/exemption from NYSC.
• ICAN or ACCA qualification.
• Previous experience as a Reconciliation Officer/Accountant in a financial institution (microfinance bank) will be an added advantage.
• 3–5 years of work experience.

Skills:

• Experience reconciling accounting figures and financial records
• Great analytical skills for decision-making and problem solving
• Strong client relationship management and customer service skills
• Team player with the ability to work with multiple parties
• Advanced computer software skills, including Microsoft Excel
• Organization and time management abilities
• Meticulous attention to detail and accuracy
• Ability to multitask and meet tight deadlines.