Latest Jobs at Credit Direct Limited

JOB SUMMARY

Credit Direct has recently launched its digital business with a goal of becoming the foremost player in the embedded finance ecosystem servicing at least 1 million customers in the next two years. With this expansion comes the need to bring onboard an operations manager that has vast knowledge of the digital ecosystem trends and able to implement best practices that delights customers. As the operations manager, you will play a pivotal role in ensuring the smooth and efficient functioning of various operational aspects. You will be responsible for overseeing and optimizing processes, managing a team, and implementing strategies to enhance overall operational effectiveness.

Key Responsibilities:

Process Optimization

• Identify and implement process improvements to enhance efficiency and streamline operations.
• Regularly review and update operational procedures to align with new innovations, industry best practices and regulatory requirements.
• Implement a seamless settlement, refund, and reconciliation process.

Team Management

• Lead and manage a team of operators, providing guidance, support, and fostering a positive work environment.
• Conduct regular 1:1 with the team in addition to performance assessments, and goals setting.

Quality Assurance

• Establish and enforce quality standards to ensure accuracy and consistency in loan processing and other operational activities.
• Track and monitor to identify areas of improvement and implement corrective actions.
• Maintain TAT for all processes including communications. 

Collaboration with Other Stakeholders 

• Work closely with the business, finance, underwriting, collections, and customer service teams to facilitate seamless communication and collaboration.
• Address cross-functional issues and implement solutions to improve interdepartmental processes.
• Collaborate with customer service teams to ensure a high level of customer satisfaction in operational processes.
• Address internal team, customer concerns, and implement solutions to enhance the overall customer experience.

Innovation and Automation

• Collaborate with process automation unit to implement technology solutions to enhance operational efficiency.

Tracking, Reporting and Analysis

• Generate regular reports on key operational metrics, providing insights and recommendations for improvement.
• Utilize data analysis to identify trends, forecast operational needs, and drive strategic decision-making.

Compliance and Regulatory Adherence

• Ensure compliance with relevant financial regulations and standards.
• Stay informed about changes in regulatory requirements and implement necessary adjustments to maintain compliance.

Qualifications:

• Bachelor’s degree in business administration, Finance, or a related field.
• Proven experience in financial services operations, with a focus on operations processes management, customer experience, and credit operations. 
• Strong leadership and team management skills.
• Excellent analytical and problem-solving abilities.
• Knowledge of relevant financial regulations.
• Exceptional communication and interpersonal skills.
• Knowledge of public service administration is an addition. 

Experience

• Minimum of 5 years of experience in a similar role within the traditional banking or other financial services industry.

Person Specification

• Results-orientated mindset with a commitment to achieving performance goals.
• Driven, independent thinker and leader who can juggle multiple projects simultaneously with fast-changing priorities.
• High level of integrity and dependability with a strong sense of urgency.
• A focus on execution. Willing and able to get hands dirty.
• Flexibility to roll up your sleeves and attack problems and projects as they arise, where you will need to set out a clear structure, method, and outcomes yourself.
• Ability to create effective working partnerships with senior leaders, challenge the thinking of others in respectful and thoughtful ways, influence upwards.
• Big picture thinker, a “never settle’ mindset.
• Strategic thinker with a track record of successfully implementing operational improvements.

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JOB SUMMARY

Responsible for identifying and analyzing the areas of potential risk threatening the success of CDL product(s), predicting change and future trends, as well as forecasting costs. To communicate risk policies and processes to the organization while providing hands – on development of risk models involving markets, credit and operational risk, assures controls are operating effectively and provide research and analytical support

Job Responsibilities

• Designing and implementing and overall risk management processes for the organization which includes and analyses of the financial impact of risk on the company per product 
• Partnering with product team to design products, pilot programs and launch of new products or features for existing products.
• Establishing the level of risk, the organization is willing to take per product while implementing threshold in regards portfolio at risk (PAR)
• Conduct research to assess, analyze and anticipate credit risk trend 
• Calculate risk involved in transactions and product proposals and formulate contingency plans
• Recommend improvement methods or precautionary for existing or emerging credit risk on each product. 
• Monitor the growth and activity of the portfolio based on specified risk levels. Analyzing current risk and identifying potential risk that are affecting product
• Reviewing any new major contract, products or internal business proposal.
• Risk Reporting tailored to the relevant audience (BOARD PACK, MPRs, WEEKLY and BI-ANNUAL product reports)
• Support and build relationships with different business units for the growth of the organization

Job Description

Functional Competencies:

• Bachelor’s degree in communications, Public Relations, Marketing, or a related field.
• Advance knowledge of Microsoft word, Excel, Access and PowerPoint, SQL, PowerBi
• Critical Thinking, Problem Solving and Analytical Skills
• Performance Management
• Creativity
• Attention to details
• Knowledge of loan Monitoring & Remedial Management
• Clear understanding of portfolio risks related to vintage and delinquency Trends.
• Adept at working  across  matrix Organizations.

Person Specification:

• Adaptable and able to thrive in a dynamic work environment.
• Commitment to upholding and promoting the company's DNAs.
• Empathetic approach to understanding and addressing the needs of both internal and external stakeholders.
• Execution-oriented with the ability to deliver results under pres

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JOB SUMMARY

The Strategy Associate at Credit Direct Limited will play a pivotal role in supporting research, strategy execution follow-ups, and business performance tracking. This role is ideal for individuals with a strong background in the financial services industry and places significant importance on meticulous tracking and follow-up.

Job Responsibilities

• Conduct comprehensive research on industry trends, competitors, and market dynamics to inform strategic decision-making.
• Assist in developing and executing strategic initiatives, collaborating closely with cross-functional teams.
• Track, monitor, and report on corporate key performance indicators (KPIs) to evaluate the effectiveness of implemented strategies.
• Analyze data to identify opportunities for process improvement and business growth.
• Collaborate with senior team members to prepare presentations and reports for internal and external stakeholders.
• Provide dedicated support in project management, ensuring that strategic initiatives are executed effectively and on schedule.
• Develop and maintain a system for tracking progress and follow-ups related to strategic initiatives.
• Develop reporting dashboards to track top Objectives & Key Results (OKRs)/KPIs and measure success.
• Work cross-functionally to size markets and develop launch strategies for new opportunities.
• Develop strategies for entering new categories and markets. 
• Assess our ability to win, and competitive threats in new and existing markets.
• In-depth quantitative analysis of Global Markets business results and internal metrics, third party competitive benchmarking data, to support a broad range of bespoke strategy projects.
• Assist in production of written memos and briefing materials.
• Communicate confidently in a clear, concise and articulate manner — verbally and in written form.
• Keep up to date with technical developments for business area.

Job Requirement

Experience:

• Bachelor's degree in finance, business, or a related field.
• A minimum of 2 years of relevant experience in the financial services industry.

Required Knowledge, Skills & Competencies:

• Strong analytical and research skills.
• Proficiency in data analysis and reporting.
• Excellent communication and presentation skills.
• Exceptional ability to follow up meticulously and track progress.
• Capability to work effectively in a collaborative team environment.
• Project management skills are a plus.
• Strong analytical, problem-solving, and critical thinking skills23
• Excellent written and verbal communication skills23

Person Specification

• Self-motivated, detail-oriented, and adept at keeping track of multiple tasks and people.
• Willingness to learn and adapt to evolving business strategies.
• A proactive mindset with a commitment to achieving results.
• Solid understanding of macroeconomics
• Experience in consulting, financial services or corporate strategy
• Ability to work independently and in teams, manage multiple projects and deadlines, and communicate effectively with senior stakeholders.
• Attention to detail and accuracy.
• Creativity and curiosity
• Passion for learning and growth

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JOB SUMMARY

Credit Direct specializes in providing loans to individuals in the public service space. As the operations manager, you will play a pivotal role in ensuring the smooth and efficient functioning of various operational aspects. You will be responsible for overseeing and optimizing processes, managing a team, and implementing strategies to enhance overall operational effectiveness.

Key Responsibilities:

Process Optimization

• Identify and implement process improvements to enhance efficiency and streamline operations.
• Regularly review and update operational procedures to align with new innovations, industry best practices and regulatory requirements.
• Implement a seamless settlement, refund, and reconciliation process.

Team Management

• Lead and manage a team of operators, providing guidance, support, and fostering a positive work environment.
• Conduct regular 1:1 with the team in addition to performance assessments, and goals setting.

Quality Assurance

• Establish and enforce quality standards to ensure accuracy and consistency in loan processing and other operational activities.
• Track and monitor to identify areas of improvement and implement corrective actions.
• Maintain TAT for all processes including communications. 

Collaboration with Other Stakeholders 

• Work closely with the business, finance, underwriting, collections, and customer service teams to facilitate seamless communication and collaboration.
• Address cross-functional issues and implement solutions to improve interdepartmental processes.
• Collaborate with customer service teams to ensure a high level of customer satisfaction in operational processes.
• Address internal team, customer concerns, and implement solutions to enhance the overall customer experience.

Innovation and Automation

• Collaborate with process automation unit to implement technology solutions to enhance operational efficiency.

Tracking, Reporting and Analysis

• Generate regular reports on key operational metrics, providing insights and recommendations for improvement.
• Utilize data analysis to identify trends, forecast operational needs, and drive strategic decision-making.

Compliance and Regulatory Adherence

• Ensure compliance with relevant financial regulations and standards.
• Stay informed about changes in regulatory requirements and implement necessary adjustments to maintain compliance.

Qualifications:

• Bachelor’s degree in business administration, Finance, or a related field.
• Proven experience in financial services operations, with a focus on operations processes management, customer experience, and credit operations. 
• Strong leadership and team management skills.
• Excellent analytical and problem-solving abilities.
• Knowledge of relevant financial regulations.
• Exceptional communication and interpersonal skills.
• Knowledge of public service administration is an addition. 

Experience

• Minimum of 8 years of experience in a similar role within the traditional banking or other financial services industry.

Person Specification

• Results-orientated mindset with a commitment to achieving performance goals.
• Driven, independent thinker and leader who can juggle multiple projects simultaneously with fast-changing priorities.
• High level of integrity and dependability with a strong sense of urgency.
• A focus on execution. Willing and able to get hands dirty.
• Flexibility to roll up your sleeves and attack problems and projects as they arise, where you will need to set out a clear structure, method, and outcomes yourself.
• Ability to create effective working partnerships with senior leaders, challenge the thinking of others in respectful and thoughtful ways, influence upwards.
• Big picture thinker, a “never settle’ mindset.
• Strategic thinker with a track record of successfully implementing operational improvements.

go to method of application »

JOB SUMMARY

We are seeking for an experienced Product Manager that is passionate about building products that customers love. The role requires a working with our digital business team comprising of risk, collection, finance, and technology to develop products in line with the business objectives and achieve overall success as measured by market acceptance of the product. We need someone that understands who understands what makes a product scalable, usable, and accessible. Be an integral part of a team that is passionate about building the number one non-bank led lending solution in Nigeria and other parts of Africa.

Job Responsibilities

Product Manager

• Collaborate with the head of digital business to design and implement product development plans.
• Conduct market research on product competitors, new technology that can be adopted, priority markets, priority segments, and relevant industry trends.
• Design and document product strategy with the head of digital business. 
• Create buy in for product vision with internal and external partners or stakeholders. 
• Collate product requirements, write, and document user stories. Translate product strategy into detailed prototypes.
• Polling customers to assess a product's need and viability. Identifying and defining the target customer's needs and using this information to develop relevant products
•  Scope and prioritize activities based on business and customer impact
• Own the product lifecycle 
• Responsible for mapping and documenting the customer journey and liaising with key stakeholders to approve the product document. 
• Manage the product development project. Lead and monitor delivery of project milestones for assigned products.
• Track progress across the entire product lifecycle and report status using an online monitoring tool.  
• Conduct and document user acceptance test and provide relevant insights for business decision.
• Responsible for writing technical requirements and working with technology team to achieve product development objectives
• Work closely with the UX team to brainstorm and provide feedback about user flows.
• Collaborate with marketing lead to design a plan targeted at achieving and scaling product adoption. Evaluate promotional plans to ensure that they are consistent with product strategy and that the message is effectively conveyed.
• Collaborate with customer service and sales team to get relevant market insight for continuous product improvement. 
• Act as a product evangelist to build awareness and understanding

JOB EXPERIENCE

Required Skills:

• Critical thinking 
• Communication
• Collaboration
• Risk management
• Time management
• Relationship management

Job Requirement

• BSc/BA in Business, Project Management, Computer Science, or a related field
• Professional Certification such as PMI-ACP, CSPO is required but not compulsory
• +3 years proven experience as a product manager, associate product manager in Fintech/Financial services or other tech related sectors. 
• Familiarity with design systems and tools such as Figma. In addition to some workflow tools.
• Demonstrate expert understanding of Product conceptualization, Product design, and Product development and management. 
• Solid track record in implementation and completion of project. In addition to achieving success in product market fit.
• Strong problem-solving skills and willingness to roll up one’s sleeves to get the job
• Excellent written and verbal communication, influencing and negotiation skills

Person Specification

• Results-orientated and pragmatic with exceptional quantitative and analytical ability and attention to detail
• Driven, independent thinker and leader who can juggle multiple projects simultaneously with fast-changing priorities
• High level of integrity and dependability with a strong sense of urgency.
• A focus on execution. Willing and able to get hands dirty.
• Flexibility to roll up your sleeves and attack problems and projects as they arise, where you will need to set out a clear structure, method and outcomes yourself
• Ability to create effective working partnerships with senior leaders, challenge the thinking of others in respectful and thoughtful ways, influence upwards.
• Big picture thinker, a “never settle’ mindset.