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Sifax group is a multinational conglomerate with multidimensional operations. The group’s head office is at Apapa, Lagos nigeria. It has branches in Abuja, Nigeria; tema, Ghana; Durban, South Africa; Houston, USA; Essex, UK; Ville, Djibouti.
The group is into intelligent shipping and cargo operations, aviations, logistics and transport, cargo and he...
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Credit Risk Manager
Industry: Financial Services (Sky Capital Financial Services Limited)
Job Description
- Implement and communicate the company’s risk management and internal control policies and objectives
- Work with management in integrating risk management policies and practices into the strategic plans of the company
- Assist in developing and monitoring risk mitigation strategies for the organisation’s critical risk areas and work with business units to establish, maintain and continuously improve risk management capabilities
- Monitor activities of all business units to ensure compliance with internal control and risk management policies
- Facilitate company-wide risk assessments and monitor priority risk areas across the organisation
- Prepare periodic risk assessment reports for management
- Ensure effective alignment between the enterprise risk management process and the internal audit process
- Conduct periodic risk management education and training
- Coordinate the compilation and continuous review of a detailed transaction process flow for all key activities in the organisation and define control measures to ensure compliance
- Review transaction processes
- Provide an independent view regarding proposed business plans and transactions
- Evaluate risks in operational activities
- Ensure regulatory compliance
- Ensure processes and risk guidelines are in place, and are adhered to in order to safeguard assets and the brand equity of the Group
- Prepare reports and advise units and committees on departure from policies, procedures, and other exceptions
- Maintain working knowledge of relevant legislation, statutory instruments, codes of practice, and organisation policies, and ensure adherence
- Other duties as assigned
Requirements
- First degree or its equivalent in a numerate discipline (Accounting, Economics, Finance) MBA or Master’s degree in Finance or Accounting is required
- Minimum of 6 years’ experience, in relevant experience of which at least two (2) years must have been spent in a similar role in the financial services industry
- Knowledge of transaction banking products essential
- Develop and implement Enterprise Risk Management policies, procedures and policy framework
- Provide management and board with regular assessment and opinion on effectiveness of company’s risk management control systems
- Put in place a system to ensure company’s operational risks are identified, analysed and properly assessed
- Ensure compliance with all regulators’ requirements and other applicable laws
- Conduct policy audit, ensure compliance to standards, including liaison with internal & external auditors
- Chartered membership of ICAN/ ACCA is required
- Clear understanding of the company’s operational risk framework or equivalent experience gained in other organizations
- Good knowledge of risk management principles and practices with a required knowledge of audit techniques and methods required
- Communication, presentation and report writing skills
- Working knowledge of Microsoft Office Suite
- Knowledge of corporate governance practices and knowledge of Assets and Liabilities Management (ALM)
- Knowledge of the GAAP/IFRS and good understanding of finance, accounting, budgeting, and cost control principles and ability to analyse financial data
- In-depth understanding of the organisation’s business issues with good ability to read large volumes of documents effectively and extract necessary information
Interested and qualified? Please send a detailed cover letter stating why you are best fit for the role. You are also advised to attach your updated resume/CV.
To apply for this job email your details to jobs@sifaxgroup.com
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Job Overview: You will be in charge of developing features, fixing bugs and monitoring of our web portal and our landing page. You will be in charge of ensuring our websites stay stable and scalable.
Responsibilities and Duties:
- Report every issue found to your manager
- Write clean and maintainable code
- Follow best practices and industry standards when developing services
- Follow the agile approach to developing software
- Continue to learn and improve
- Stay up to date with trends and software development
Qualifications:
- HND/B.Sc in related discipline
- 3+ years of Javascript experience
- 2+ years of experience working with Angular or React
- Experience deploying applications using continuous deployment flows
- Experience working with collaboration tools like GIT.
Interested and qualified? Please send a detailed cover letter stating why you are the best fit for the role. You are also advised to attach your updated resume/CV to Jobs@sifaxgroup.com
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Job Overview: You will be in charge of developing features, fixing bugs and monitoring of our Backend infrastructure. You will be in charge of ensuring our Backend infrastructure stays stable and scalable.
Responsibilities and Duties:
- Report every issue found to your manager
- Write clean and maintainable code
- Follow best practices and industry standards when developing services
- Follow the agile approach to developing software
- Continue to learn and improve
- Stay up to date with trends and software development
Qualifications:
- HND/B.Sc in related discipline
- 3+ years of JavaScript experience
- 2+ years Node.js experience
- Experience working with some or all of AWS SQS, S3, LAMBDA and SES
- Experience working with MongoDB or some other NoSQL database
- Experience deploying applications using continuous deployment flows
- Experience working with collaboration tools like GIT.
Interested and qualified? Please send a detailed cover letter stating why you are the best fit for the role. You are also advised to attach your updated resume/CV to Jobs@sifaxgroup.com
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Job Overview: You will be in charge of developing features, fixing bugs and monitoring of our Mobile Application. You will be in charge of ensuring our app stays stable and scalable.
Responsibilities and Duties:
- Report every issue found to your manager
- Write clean and maintainable code.
- Follow best practices and industry standards when developing services
- Follow the agile approach to developing software
- Continue to learn and improve
- Stay up to date with trends and software development
Qualifications:
- HND/B.Sc in related discipline
- 3+ years of Javascript experience.
- 2+ years of experience working with React Native.
- Experience deploying applications using continuous deployment flows.
- Experience working with collaboration tools like GIT.
Interested and qualified? Please send a detailed cover letter stating why you are the best fit for the role. You are also advised to attach your updated resume/CV to Jobs@sifaxgroup.com
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Location: Victoria Island, Lagos
Job Overview
- The Chief Financial Officer is to perform effective risk management and plan the organization's financial strategy.
- You are expected to be well-versed in all aspects of financial management ranging from simple accounting to broad investment and banking operations. You should be an excellent leader as you will interface with almost all units in the organization.
- The major goal is to protect the company's revenues and profits to achieve full financial control and sustainable growth.
Job Function
Accounts/Payments:
- Ensure adequate control and accounting of all funds, including maintaining sound financial practices.
- Ensure adequate processes and procedures are in place for effective working capital management.
Treasury Management:
- Manage the liquidity of the company
- Develop realistic and ambitious plans for acquiring funds.
- Involve all concerned staff in fund raising and earned income generation.
- Establish positive relationship with all institutional funders and individual investors associated with the company.
- Ensure that all financing needed is in place at attractive rates and terms.
Asset And Liability Management:
- Meet the current and future cash-flow obligations and collateral needs, both expected and unexpected.
- Manage the risk of losses resulting from movements in interest rates and their impact on future cash-flows.
- Manage the risk from movements in equity and/or credit on the balance sheet.
- Manage the risk of losses resulting from movements in exchanges rates.
Regulatory Compliance:
- Manage Year-end Audit Processes and the Auditors- including timely audit and report of audit.
- Ensure all official records and documents are retained; ensure compliance with federal, state and local reporting regulations, especially filing of quarterly and annual reports with the Securities and Exchange Commission.
- Develop tax strategies including tax planning initiatives for the group especially in the area of Company Income Tax
- Provide advice to business unit on tax implication of transaction, products and services offered by the group.
- Liaise with the Legal counsel to review tax clauses on contract/agreements with clients
- Monitor debt levels and compliance with debt covenants.
Budget & Performance Management:
- Organize, coordinate, and follow up on the deliverables of all Business Units at the Performance Review Meetings.
- Conduct regular performance review on each SBU alongside with Budget.
- Co-ordinate the preparation of the annual budget for the group
Financial Reporting:
- Review the reports produced by each of the business units for completeness, accuracy and correctness.
- Review the report on the analysis of the groups' monthly financial performance
- Review and respond to request for new product and related transaction dynamics together with accounting entries and processes
- Review issues related to accounting processes & procedures (income recognition, fixed assets capitalization, prepayments amortization, accrual provision).
Leadership And People Management:
- Oversee all key elements of the Finance function including financial reporting, financial and management accounting, company tax and regulatory compliance, financial controls (budgeting, planning, forecasting, risk managements etc.), corporate finance, treasury, and the underlying management information systems utilized
- Provide strong leadership and ensure clear strategic objectives are in place
- Support the implementation and facilitation of relevant workshops and training courses
- Promote the organisation's core values and a strong team culture
- Manage the day to day performance, learning and development of the team, including one on one feedback sessions and conduct performance appraisals
Requirements
- BSc / BA in Accounting, Finance etc, MSc, MBA Finance or relevant field. Relevant professional certifications e.g. Chartered Financial Analyst (CFA), Institute of Chartered Accountants of Nigeria (ICAN), Association of Certified and Chartered Accountants (ACCA) or its equivalent is required
Experience:
- At least 15 years post-qualification experience, 6 of which must have been spent in a senior managerial role in a financial organisation.
Skills/Technical Competencies:
- Finance Acumen
- Cost Optimization
- Budgeting and financial forecasting
- Financial Analysis and Interpretation
- Financial Accounting
- Financial Management
- Business planning and analysis
- Investment planning and portfolio management
- In depth knowledge of corporate financial law and risk management practices
- Financial reporting, modelling and analysis
- Treasury management, Tax planning/management
- Knowledge of relevant Accounting software & Proficient in the use of MS Office
- Governance, Risk and Control
- Leadership and Management
- Stakeholder relationship management
- Strategy, technology and innovation
Interested and qualified candidates should send a detailed Cover letter stating why they are best fit for the role to: Jobs@sifaxgroup.com
Note: You are also advised to attach your updated resume/CV in PDF Format.
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Location: Victoria Island - Lagos
Role Summary
- The Company Secretary/Head Legal is responsible for providing expert legal advice and management of the company secretariat in line with best practices, monitor strict compliance with the corporate governance codes of the regulatory agencies as well as the relevant legislations and reporting requirements of the financial industry.
- The Company Secretary/Head Legal will organize meetings of shareholders and the board and will equally provide advice to the board on matters of ethics, corporate governance, practices and culture whilst also communicating the board's decisions to relevant stakeholders timeously.
Job Functions
Company Secretarial Duties;
- To ensure that all procedures regarding meetings are followed and that the requirements of the CAMA and the Articles of Association are complied with
- Responsible for taking minutes of meetings of the board, its committees and general meetings and shall be present at these meetings
- Responsible for executing instructions of the board and must see that other officers execute the instructions of the board
- Responsible for ensuring that the company complies with the rules and requirements of regulatory bodies
- To take custody of and maintain statutory registers of the company
- To ensure that there is proper use and safe custody of the company seal
- Responsible for notifying the regulatory authorities of appointments within the company and other announcements regarding the company
- Responsible for managing all correspondence and communication with shareholders
- Responsible for share registration matters affecting the company
- Communicate board decisions to the management
- Obtain board's approval on matters that are reserved for the directors before implementation
- Advise the directors generally on matters of procedure and best practice
- In conjunction with the chairman, to ensure board meetings are conducted properly
- To handle other administrative functions that may be referred to him by the board
- To actively supervise the legal officer in every regard towards optimising resources.
Legal Advisory Duties;
- To notify the company of the various laws, rulings and regulations of the Federal Republic of Nigeria to ensure full compliance and to prevent liabilities
- Ensuring compliance with statutory regulations, applicable legislations, agreements and legal issues affecting the organisation with emphasis on liaison with the appropriate regulatory authorities
- Responsible for providing legal advisory services on a broad spectrum of issues to the company
- Drafting and vetting a wide range of legal documents on behalf of Sky Capital Limited
- To ensure that all legal and regulatory compliance issues are addressed
- Responsible for the overall management and supervision of activities of the company's legal department;
- Negotiating a wide range of commercial transactions on behalf of the company;
- Ensuring proper and necessary legal policy formulation and implementation for the company;
- Supervising external Solicitors on litigations involving the company;
- To actively supervise the legal officer with a view to optimising resources and producing results
- Document management and monitoring all company contracts and SLAs also ensuring compliance with SLAs and contract terms
- Ensuring accountability in all contracts and SLAs including reviews and negotiations
- Ensuring assessments of the contracts and SLAs and mitigation of risk
- Contracting visibility and awareness communication and commitment management
- Prepare a legal and regulatory compliance checklist and check for 100% compliance
- Monitoring changes in relevant legislation and the regulatory environment and taking appropriate action
- Offer dispute resolution advice including matters of recovery claims and actions
- Liaising with external lawyer representing the company in any form of dispute
- Provide legal advice on the relevant laws and regulations as it concerns the business of the company and its affiliates
- Handle and manage all litigation matters
- Ensure legal documentation of transaction executed by the company and its affiliates
- Performs such other duties and responsibilities as may be assigned or delegated by the MD/ED.
Qualification and Experience Required
- Must have an LL.B, B.L
- LL.M will be an added advantage
- Minimum of 5 years' experience in same role in a reputable financial firm
- ICSAN certification will be an added advantage
- Full understanding of the legal framework, contractual issues, governance issues, and labour laws across Africa will be an added advantage
- Experience supporting company executives and preparing relevant documentation for the board.
- Experience in financial industry and process of financial risk management
- Advanced knowledge of Microsoft Office applications, particularly Microsoft Word, Excel, Power Point, Access and Outlook
- He or She must be member of the Nigerian Bar Association (NBA)
Core Competencies:
- Good understanding of strategic marketing challenges and ability to develop appropriate plans
- Knowledge in both theoretical and practical aspects of project management
- Excellent leadership, negotiation, marketing, planning and organisational skills
- Excellent relationship management and strategic networking skills at the highest level in the private and public sectors
- Sound knowledge of global trends in the financial services and business development industry
- Good international exposure to trainings, seminars and workshop
- Excellent communication and interpersonal skills
- Advanced financial management skills
- Critical thinking and problem-solving skills
- Efficient team management skills
- Good organisational skills
- Good attention to details with high level of accuracy
- Strategic vision, result orientation, live the values of the company, team management, people development
- Experience in commercial law/corporate practice with knowledge of contract law, disputes and litigation, compliance, corporate governance, intellectual property and data privacy
- Sound knowledge of Nigerian legal system and other industry best practices
- In€depth understanding of company internal operations and structure
- Excellent administration skills and secretarial administration
- Effective decision making, planning and organising, team work, communication, presentation skills, influencing & negotiation, big picture thinking, innovation, change management, and good use of initiative
Other Working Conditions
- Must be willing to travel to anywhere for the purpose of business prospecting within and outside the country
- Flexible working hours
Interested and qualified candidates should send a detailed Cover letter stating why they are best fit for the role to: Jobs@sifaxgroup.com
Note: You are also advised to attach your updated resume/CV in PDF Format.
go to method of application »
Job Overview
- The job entails increasing the sales of the organization to make it profitable, maintaining its brand value and identity among the prospective customers, and getting new business leads.
Job Function
- Direct the company’s sales executives in achieving growth objectives, profitability, sales and customer experience
- Following up new business opportunities and setting up meetings
- Planning and preparing presentations
- Communicating new product developments to prospective clients
- Overseeing the development of marketing literature
- Writing reports
- Providing management with feedback
- To implement and support new financial products and services
- Review and Co-ordinate Action Plans for marketing retail and credit products
- Implement strategies for client solicitation and marketing customers in the targeted industry segments
- Maintain good relationship with existing customers for prospective business opportunities and formulate strategies to develop new markets and establish relationships with new customers
- Monitor loan accounts on a regular basis
- Supervise appraisal/review of commercial/consumer customer facility applications.
- Manage credit portfolios of assigned market tea
- Regularly review customer segment marketing strategies/goals and make appropriate recommendations
- Discuss credits requirements with clients and oversee the development of appropriate financing packages to meet customers’ needs.
Qualification, Skills and Experience Required
- BSc / MSc degree in Marketing or related field
- Demonstrable experience in marketing together with the potential and attitude to lead a team
- Proven experience in identifying target clients and in creatively devising and leading across channels marketing campaigns that leads to sales
- Numerically literate, comfortable working with numbers, making sense of metrics and processing figures with spreadsheets
- Up to date with the market trends and practices in the Nigerian markets as applicable
- Communication & Interpersonal Skills
- Collaboration Skills
- Negotiation & Persuasion skills
- Research & Strategy
- Computer Skills
- Business Intelligence.
Interested and qualified candidates should send a detailed Cover Letter stating why you are best fit for the role and attach their updated Resume / CV to: jobs@sifaxgroup.com using the Job Title as the subject of the mail.
go to method of application »
Job Overview
- The job entails increasing the sales of the organization to make it profitable, maintaining its brand value and identity among the prospective customers, and getting new business leads.
Job Function
- Direct the company’s sales executives in achieving growth objectives, profitability, sales and customer experience
- Following up new business opportunities and setting up meetings
- Planning and preparing presentations
- Communicating new product developments to prospective clients
- Overseeing the development of marketing literature
- Writing reports
- Providing management with feedback
- To implement and support new financial products and services
- Review and Co-ordinate Action Plans for marketing retail and credit products
- Implement strategies for client solicitation and marketing customers in the targeted industry segments
- Maintain good relationship with existing customers for prospective business opportunities and formulate strategies to develop new markets and establish relationships with new customers
- Monitor loan accounts on a regular basis
- Supervise appraisal/review of commercial/consumer customer facility applications.
- Manage credit portfolios of assigned market tea
- Regularly review customer segment marketing strategies/goals and make appropriate recommendations
- Discuss credits requirements with clients and oversee the development of appropriate financing packages to meet customers’ needs.
Qualification, Skills and Experience Required
- BSc / MSc degree in Marketing or related field
- Minimum of 5 Years experience
- Banking or other financial institution is relevant to the role
- Core management knowledge
- Team building and leadership skills
- Demonstrable experience in marketing together with the potential and attitude to lead a team
- Proven experience in identifying target clients and in creatively devising and leading across channels marketing campaigns that leads to sales
- Numerically literate, comfortable working with numbers, making sense of metrics and processing figures with spreadsheets
- Up to date with the market trends and practices in the Nigerian markets as applicable
- Communication & Interpersonal Skills
- Collaboration Skills
- Negotiation & Persuasion skills
- Research & Strategy
- Computer Skills
- Business Intelligence.
Interested and qualified candidates should send a detailed Cover Letter stating why you are best fit for the role and attach their updated Resume / CV to: jobs@sifaxgroup.com using the Job Title as the subject of the mail.
Method of Application
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