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UBA’s has more than 65 years of providing uninterrupted banking operations dating back to 1948 when the British and French Bank Limited ("BFB”) commenced business in Nigeria. BFB was a subsidiary of Banque Nationale de Crédit (BNCI), Paris, which transformed its London branch into a separate subsidiary called the British and French B...
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Job Objective(s)
To implement the Bank and Audit Division’s mandate relating to review and assessment of controls over the information systems, safeguard the Bank’s assets, ensure the completeness and accuracy of transaction records; and prevent/detect incidences of related frauds and irregularities.
Duties & Responsibilities
- Be up to date on new economic, technological, environmental, regulatory, political and, social issues or trends impacting or likely to impact Digital Banking Transaction in the bank.
- Review processes for the acquisition, development, and deployment of Digital Banking products to ensure that they are in line with the bank’s approved policies.
- Supervise the review of the level of support to Digital Banking products by the Information Technology (IT) department to ensure that support is within the approved Turnaround Time (TAT).
- Perform a comprehensive review of the Service Level Agreement (SLA) for all vendors that support the bank’s Digital Banking product to ensure that they are in line with the bank’s policy on SLA.
- Ensure prompt and qualitative rendition of relevant Control and Compliance reports to the Head, IT & Digital Banking Audit.
- Ensure proper institution of automated revenue processing in all system-based product development in the Bank.
- Carry out a monthly analytical review of the Bank’s revenue lines for completeness, accuracy and validity.
- Review and report the performance of Digital Banking products to ensure that performance is in line with set targets.
- Ensure full revenue recognition strategies/tactics for the Bank.
- Ensure prompt resolution of all open issues in the Inspection Report, Management letter, Regulatory Examiners Report and other Statutory Examiners Report involving business offices in IT activities.
Knowledge & Skills Required
- Knowledge of Banking Operations, Policies, and Procedures
- Interpersonal skills and Communication skills (written and oral).
- IT proficiency.
- Integrity.
- Good investigative skills.
- Good numerate and analytical skill.
- Structured Query Language (SQL Navigator).
- Audit Command Language (ACL).
- Unix operating systems.
- Business Objects (BO).
- FTP – file transfer protocol.
- Microsoft Office tools.
- First degree in Computer Science/Engineering/Accounting or any other numerate discipline.
- Relevant professional certification e.g. CISA, ACA, ACCA, CIMA, CISSP and MBA etc will be an added advantage.
Minimum Educational Qualification
Minimum years of work experience required
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Job Objective(s)
To provide an independent assessment of the Credit Risk Management process of the bank with the aim of ascertaining and reporting on the extent of compliance with; the credit philosophy, credit planning process, credit approval and management system, responsibility and disciplinary processes. Also ascertaining and reporting on the extent of compliance of the bank’s credit risk management philosophies and strategies with international best practices and with relevant regulatory guidelines.
Duties & Responsibilities
- Preparation of yearly audit plan for branches in the zone.
- Take part in the assessment and expression of opinion on the adequacy of controls.
- Take part in the assessment and evaluation of the operational process.
- Conducting full audit for various business offices within the area of coverage.
- Conduct spot checks on high and medium rated business offices.
- Conduct periodic cash audit on vaults and ATMs.
- Take part in the rating, assessment and assigning audit ratings to the auditee.
- Highlight pervasive audit issues that portend dangers for losses.
- Recommend improvements, in the course of the audit, for business and operational processes with overall objective to improve timeliness, accuracy, reliability and quality standards in products and services.
- Conduct Policy Awareness, Fraud Assessment and Sensitivity in office visited to further drive fraud reduction.
- To drive/encourage staff positive behaviors in the noted areas.
- Perform other duties as assigned by the Team Lead.
- To also work with the subsidiaries as necessary.
Knowledge & Skills Required
- Average to good knowledge of credit analysis.
- Have a sound knowledge of the bank’s credit policy, systems and products.
- Sound knowledge of the Banking Operations and Internal Controls.
- Good Understanding of the Nigerian Banking Industry.
- Knowledge of CBN’s policies and the business environment.
- Critical thinking.
- Intermediate Microsoft Office Suite Skills.
- Good communication skills (Oral & Written).
- Good analytical skills.
- Good interpersonal skills.
- First degree in any related numerate field.
- Professional qualification e.g. ACA, ACCA, ACIB will be an advantage.
Minimum Educational Qualification
Minimum years of work experience required
go to method of application »
Job Objective(s)
The Product Manager has full profit & loss accountability for the product and is responsible for comprehensive, end-to-end management of the product portfolio including ideation, product design, product development, product marketing (in conjunction with Product Marketing), business development, product pricing, profitability analysis, process and counterparty management, etc. The Product Manager works with multiple stakeholders across the bank and takes full ownership for the product budget, management and product delivery throughout the product lifecycle.
Responsibilities also include the establishment of key relationships targeted at customer acquisition, retention and value-adding customer experience; client engagements; establishment and implementation of customer engagement plan.
Duties & Responsibilities
- Utilizes market research to identify customer needs/trends and opportunities for new product innovation and product enhancements.
- Conducts regular product & market research to determine personal loan sales / market penetration potential across regions. Thereafter, H/she develops sales & marketing strategies to leverage opportunities & improve performance.
- Regularly reviews customer feedback, market & consumer trends to uncover new product opportunities across different category and regions, disseminates identified insights in a timely manner for execution.
- Identifies new market opportunities, and facilitate collaboration with Regional Managers, Branch Managers & Retail Analysts appropriately to ensure these are fully leveraged to grow sales and volume.
- Reviews and analyses existing product portfolio to identify new cross sell opportunities.
- Assesses market competition by comparing the unsecured lending proposition to competitors' products across offerings, process, customer experience and portfolio quality.
- Carry out competitive analysis benchmarking against Banks and FinTech’s
Knowledge & Skills Required
- Utilizes market research to identify customer needs/trends and opportunities for new product innovation and product enhancements.
- Conducts regular product & market research to determine personal loan sales/market penetration potential across regions. Thereafter, H/she develops sales & marketing strategies to leverage opportunities & improve performance.
- Regularly reviews customer feedback, and market & consumer trends to uncover new product opportunities across different categories and regions, and disseminates identified insights in a timely manner for execution.
- Identifies new market opportunities, and facilitates collaboration with Regional Managers, Branch Managers & Retail Analysts appropriately to ensure these are fully leveraged to grow sales and volume.
- Reviews and analyses existing product portfolios to identify new cross-sell opportunities.
- Assesses market competition by comparing the unsecured lending proposition to competitors' products across offerings, processes, customer experience, and portfolio quality.
- Carry out competitive analysis benchmarking against Banks and FinTech's.
- Develops product sales and marketing strategy (in conjunction with product marketing) to ensure the achievement of product sales and volume budget across all regions.
- Implements Bank-wide go-to-market strategy for new personal loan initiatives, working with all relevant departments/stakeholders to drive execution.
- Prepares unsecured lending budget and business plans including target sales, volume, marketing strategy, consumer segmentation, product positioning, objectives, and lifecycle recommendations to achieve overall business goals.
- Develops and monitors specific sales & marketing campaigns (working with product marketing unit and other relevant teams) to leverage market opportunities that generate new sales/volumes and increase market share.
- Accountable for all product metrics as stated within the product policy where applicable (e.g. risk limits, delinquency, compliance requirements, etc.).
- Monitors sales impact & profitability of marketing expenditures – both on BAU and special campaigns.
- Enable technological implementation of loan origination and management systems including defining the scope and overseeing the deployment.
- Timely & regular communication on product performance.
- Timely & regular communication on product/market changes.
- Relevant products, market insights & identified opportunities are presented.
- Successful execution and monitoring of product marketing campaigns.
- Conducts Branch/regional webinars, meetings, visits, and joint customer calls to obtain market feedback and understand peculiarities of the local operating environment.
- Routinely attends Regional/Directorate planning/business review meetings.
- Analyses escalated regional sales challenges, proffers alternative solutions, and implements recommendations that ensure the achievement of product performance targets.
- Work closely with Risk Management and Compliance unit to monitor and ensure product offerings are in compliance with the bank’s policies and regulatory requirements.
- Work with the credit team to design underwriting policy Ensures delinquency management on the unsecured lending loan portfolio in liaison with retail risk management (where applicable).
- Work closely with Risk Management and Compliance unit to monitor and ensure product offerings are in compliance with the bank’s policies and regulatory requirements.
- Work with the credit team to design an underwriting policy
- Ensures delinquency management on the unsecured lending loan portfolio in liaison with retail risk management (where applicable).
- First degree in any related field.
- Masters and/or other professional qualification will be an added advantage.
Minimum Educational Qualification
Others
Minimum years of work experience required
7 years
Method of Application
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