Jobs at Assets Microfinance Bank

Job Description

• Ideal candidate must be target & result oriented, mentally agile, innovative, accurate & detailed oriented with great communication skills.

Key Tasks

• To boost the deposit mobilization arm of the bank
• Develop and implement a business plan for identified target market.
• Develop and implement a business development plan to improve the deposit mobilization.
• Develop and maintain relationships with corporate clients and individual depositors
• Build new relationships with existing customers and new customers
• Advice client of deposit status Innovate and develop attractive value added deposit products.
• Innovate and improve ways of rewarding depositors in terms of interest-earning on ordinary deposits, and fixed deposits.

Minimum Requirements

• B.Sc or HND in Finance, Accounting.
• 2 - 5 years experience in similar environment.
• Professional qualifications is an added advantage.

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Responsibilities

• Day to day and long-term cash flow management
• Preparation and analysis of ALCO reporting.
• Management of brokered CD portfolio.
• Provide reporting and analysis of the Bank’s interest rate risk position.
• Evaluate the adequacy of company policies related to the Bank’s asset liability and investments management.
• Preparation and analysis of investment portfolio reporting and performance.
• Review of data regarding portfolio transactions and make purchase and sale recommendations.
• Execution of portfolio transactions.
• Serve on Asset/Liability Management Committee to determine funding strategies for funding and matching of Assets and Liabilities as the business grown and liquidity needs change. Analyze funding opportunities for net income effect.
• Staff management and development including work plans, performance reviews, salary increases, training and career development.
• Develop new relationships, and maintain existing relationships, with correspondent banks including performing due diligence, general correspondence, contracts, and signature cards.
• Develop new relationships, and maintain existing relationships, with brokers including performing due diligence, general correspondence, and contracts.
• Coordination and completion of projects as assigned to support the strategic initiatives of the Bank.
• Interface with external auditors and regulatory examiners for financial related activities.
• Assist in developing additional analysis and reporting that may assist Executive Management.

Requirements

• Candidates should possess a Bachelor's Degree / Master's Degree qualification with 3 - 5 years work experience.

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Key Responsibilities

• Oversee the preparation and planning of budgets.
• Create and implement financial policies to guarantee operational efficiency.
• Maintain records and receipts of all daily transactions.
• Ensure financial records are kept up-to-date with the latest transactions and changes.
• Participate in financial audits.
• Reconcile bank statements.
• Reconciling daily, monthly and yearly transactions.
• Perform periodic financial analysis to detect and resolve problems.
• Prepare balance sheets and invoices.
• Monitor bank deposits and payments.
• Record accounts payable and accounts receivable.
• Act as the primary point of contact for other departments regarding financial and accounting issues.

Requirements

• Bachelor's Degree or higher in Accounting, Finance, Economics or any related field.
• Professional Certification in ACCA/ICAN is a must
• Strong knowledge of working with QuickBooks and Xero Accounting Software.
• 3-5 years work experience as a Finance Officer in Financial Technology sector.
• Excellent knowledge of financial and accounting procedures.
• Extensive experience using financial software.
• Advanced MS Excel skills.
• Excellent time management skills.
• Excellent numerical and analytical skills.
• Knowledge of financial regulations.
• Excellent Analytical Skills
• Experience working in a fast-paced Fintech is a major advantage
• Excellent Financial Modelling Skills.

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Job Description

• The Head, Agency Banking will manage the bank’s agent banking and financial inclusion strategy through the use of approved third party agents to expand the market footprints and customer touch points thereby increasing penetration, revenue and profitability of the agent networks.
• The job holder will be responsible for leading the Agency Banking officers on day-to-day management and roll out to help rapidly scale banks’ agent banking services.

Key Responsibilities

• Work with the strategy department to design and implement the Agent roll out plan to enhance the achievement of the bank’s financial inclusion goals.
• Responsible for the achievement of Agent Banking targets and overall business performance of the Bank’s Agent Network.
• Responsible for the growth and expansion of the Bank’s Agent Network Monitor and ensure adherence to internal policies and all Regulatory/compliance policies related to Agent Banking Work with all critical stakeholders to ensure successful implementation of the Agent Banking and Financial Inclusion strategies of the Bank
• Work with all relevant stakeholders in ensuring the successful implementation of marketing, sales and activation plans.
• Work with the Strategy department to continually create/innovate products for sustainable growth in Target customer’s Wallet and market share.
• Design initiatives, promos and market activations that will increase transactions and lead to increased competitiveness and brand visibility.
• Identify strategic partnerships and alliances and partnerships to grow market share and brand visibility.
• Lead the Bank Agent Channels Officers to grow a sustainable agent network. Be the primary contact person for all Agent issues.
• Oversee the training and development of quality Agency banking network. Provide performance , Service and market/competitor’s analytics reports regularly.
• Manage stable partnerships focusing on strategy and Bank business growth. Work with Communication to implement agent promotion campaigns as planned.

Background / Work Experience

• Candidates should possess a Bachelor's Degree qualification with 4 - 7 years’ general banking experience of which 4 - 5 years should have been in a leadership role in Digital Banking.
• Experience in product development & launch. Previous experience in Microfinance, agent and retail banking. Experience in market research, analysis and business development.
• Experience in business strategy formulation and execution with verifiable track records.
• Competencies for the Roles: Business skills, financial and data analysis and business performance management with strong marketing background.
• People management, organizational and leadership abilities. Team player and ability to work with minimum supervision.
• Resilient, Solutions oriented mind set and creative thinking abilities. A good understanding of Risk, Compliance policies and procedures.
• Demonstrated consistent high performance in roles held.
• Excellent written and verbal communication skills with ability to network, generate new business and develop strong business relations.

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Responsibilities

• Plan Strategies and execute marketing designs and activities to establish and maintain brand presence in the market.
• Research and determine product weaknesses and areas to be modified.
• Define product strategies and road maps.
• Assist in implementing a strategic business plan that expands company’s customer base and ensure its strong presence.
• Conduct competitive strategic analysis, consumer segmentation and consumer insight development.
• Launch and oversee advertising and media planning.
• Coordinate activities of specialists involved in the brand positioning of the products.
• Undertake package development strategies.

Requirements

• Bachelor's Degree in Marketing, Business, Advertising, Communication or related field.
• A minimum of 4 years’ experience in branding, corporate communications, advertising, marketing or media buying.
• Proven experience in managing a brand (Knowledge in the manufacturing sector would be an added advantage).
• Must have solid understanding of consumer insights and needs.
• Excellent interpersonal, verbal and written communication skills

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Mission

• Oversee the growth marketing team in developing and implementing marketing strategies that will generate active leads across different business verticals.

Duties/ Responsibilities

• Conceive and develop efficient and creative marketing strategies.
• Plan and implement promotional campaigns for products and events.
• Liaise with stakeholders and vendors to promote success of activities and enhance the company’s presence.
• See all ventures through to completion and evaluate their success using various metrics.
• Conduct market research to identify opportunities for promotion and growth.
• Plan digital marketing campaigns, including web, SEO/SEM, email, social media and display advertising.
• Measure and report performance of all digital marketing campaigns, and assess against goals (ROI and KPIs).
• Identify trends and insights, and optimize spend and performance based on the insights.
• Utilize strong analytical ability to evaluate end-to-end customer experience across multiple channels and customer touch points.
• Instrument conversion points and optimize user funnels.
• Evaluate emerging technologies. Provide thought leadership and perspective for adoption where appropriate.
• Collaborate with sales to optimize lead acquisition and conversion.

Qualifications & Skill Sets

• Candidates should possess a Bachelor's Degree qualification
• 5+ years proven working experience in digital marketing.
• Portfolio of previous digital campaigns, highlighting customer profiles, engagement and conversion in relation to KPIs.
• Demonstrable experience leading and managing SEO/SEM, marketing database, email, social media and/or display advertising campaigns.
• Creativity and commercial awareness - Highly creative with experience in identifying target audiences and devising digital campaigns that engage, inform and motivate.
• Experience in optimizing landing pages and lead funnels.
• Experience with A/B and multivariate experiments.
• Solid knowledge of website analytics tools (e.g., Google Analytics, NetInsight, Omniture, WebTrends, Ahref).
• Working knowledge of ad serving tools (e.g., DART, Atlas).
• Experience in setting up and optimizing campaigns for Google Adwords campaigns, LinkedIn, Facebook and Instagram.
• Strong analytical skills and data-driven thinking.
• Knowledge of market research practices and techniques.
• Proficient in Microsoft Office tools and marketing software (e.g Hubspot).
• Project management experience.
• Excellent essential skills - communication, people, organizational and time management skills.

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Duties & Responsibilities

• Engage and approach all district branch managers and provincial branch manager to discuss and explore practical technique and strategies to incorporate into the plan.
• Formulate plan of detail actions of written off loans from previous and current years.
• Set out the detail actions and target of loan write off recoveries down to all the concerned client service officers.
• Identify and assess a recovery likelihood of loan write off clients, rating Low, Medium, or High.
• Coordinate with loan officer to identify loan write off clients and classify them into four different categories according to combination of their willingness to pay and capacity to pay.
• Work closely with Branch Manager (BM) and Loan Officer (LO) to execute recovery techniques and strategies including, loan write off mapping, regular home visit and chasing, and collecting.
• Try to get all the loan write off clients to have commitments with and to get them to follow their pledge.
• Seek ways to continuously improve performance and productivity on the job.
• Work closely with the Credit and Recovery Manager, Regional Manager and Branch Manager to identify root cause of loan delinquency, operational weaknesses and recommend changes to improve the quality of the portfolio.
• Other tasks as assigned by supervisor.

Requirement Competencies

• University Degree from any related field is preferred.
• 2 years’ and above experience in microfinance operations directly dealing with delinquent clients and other problem-solving situations.
• Must have strong analytical and problem-solving skills.
• Must have good computer literacy and email.
• Must be fluent in the English language (both written and spoken).
• Must have the ability to make fair and ethical decisions in tough circumstances.
• Must be very organized in order to handle multiple projects simultaneously.
• High self-motivation with strong interpersonal skills.
• Must have the ability to motivate and persuade others, particularly delinquent clients to repay debt.
• Abilities to communicate with local authorities and legal / court members in an articulate and professional manner.
• Demonstrate high level of ethical commitment and trustworthiness.

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Responsibilities

• Evaluate credit worthiness by processing loan applications and documentation within specified limits.
• Interview applicants to determine financial eligibility and feasibility of granting loans.
• Determine all applicable ratios and metrics and set up debt payment plans.
• Communicate with clients either to request or to provide information Justify decisions (approvals/rejections) and report on them.
• Complete loan contracts and counsel clients on policies and restrictions.
• Update job knowledge on types of loans and other financial services.
• Maintain and update account records Assess customer needs, explore all options and introduce different types of loans.
• Develop referral networks, suggest alternate channels and cross-sell products and services to accomplish quotas.
• Go the “extra mile” to build trust relationships, customer loyalty and satisfaction throughout the underwriting process.
• Operate in compliance with laws and regulations and adhere to lending compliance guidelines.

Requirements

• Candidates should possess a Bachelor's Degree qualification with 2 - 5 years work experience.

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Job Objective(s)

• Responsible for delivering the strategic agenda for the digital lending through balance sheet growth, customer acquisition, customer retention, and profit & loss targets to support the achievement of overall business strategy in a cost effective and high return manner.

Roles & Responsibilities

• Develop and monitor product sales and marketing strategy (in conjunction with product marketing) to ensure achievement of digital lending sales and volume budget across all regions.
• Monitors sales impact & profitability of marketing expenditures and special campaigns.
• Collaborate with other stakeholders in technological implementation of loan origination and management systems including defining scope and overseeing deployment.
• Utilize market research to identify customer needs/trends and opportunities for new product innovation and product enhancements.
• Conduct regular product & market research to determine digital lending sales/market penetration potential across regions.
• Regularly review customer feedback, market & consumer trends to uncover new product opportunities across different category and regions, disseminates identified insights in a timely manner for execution.
• Successful execution and monitoring of product marketing campaigns.
• Conduct branch/regional webinars, meetings, visits and joint customer calls to obtain market feedback and understand peculiarities of local operating environment.
• Analyses situations to understand and advise bespoke solutions where necessary.
• Work closely with consumer credit underwriting team, consumer collections team and risk management team to monitor and ensure digital product offerings are in compliance with the bank’s policies and regulatory requirements.

Qualifications

• Bachelor's Degree in any related field.
• Master's and / or other professional qualification will be an added advantage.
• Minimum of 5 years general banking experience, 3 of which must be from retail/consumer/individual sector.

Knowledge & Skills Required:

• Extensive knowledge of the bank’s policies and procedures.
• Excellent interpretation of business needs into operational requirements.
• Good Understanding of the Nigerian Banking Industry and Remittance industry.
• Knowledge of CBN’s policies and the business environment.
• Thorough knowledge of Individual / Personal / Retail Banking products and services, and extensive Banking Industry knowledge.
• Excellent product and project management skill.
• Excellent interpersonal, and negotiation skills with the ability to network, generate new business and develop strong business relations.
• Strong leadership skills with demonstrated competences in championing high performance management.
• A good understanding of risk, credit policies and procedures.
• Excellent communication, planning, organization, problem solving and analytical skills.
• Must have hands on experience in Credit Analysis & Administration, Sales, Relationship Management, Customer Service, commercial and product development functions of a commercial bank at managerial level.

What We Expect From You:

• High degree of professional ethics, integrity and responsibility.
• Highly organised, proactive, ability to work independently and take ownership of tasks assigned.
• Team player with ability to work under pressure and ability to work with a wide variety of people and maintain excellent business relationship.
• High sense of confidentiality and discreteness.

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Responsibilites

• Evaluate credit worthiness by processing loan applications and documentation within specified limits
• Interview applicants to determine financial eligibility and feasibility of granting loans
• Determine all applicable ratios and metrics and set up debt payment plans
• Communicate with clients either to request or to provide information
• Justify decisions (approvals/rejections) and report on them
• Complete loan contracts and counsel clients on policies and restrictions
• Update job knowledge on types of loans and other financial services
• Maintain and update account records
• Assess customer needs, explore all options and introduce different types of loans
• Develop referral networks, suggest alternate channels and cross-sell products and services to accomplish quotas
• Operate in compliance with laws and regulations and adhere to lending compliance guidelines
• Creating credit scoring models, setting loan terms and determining interest rates
• Banking experience you will help us minimize bad debts and increase revenues from loans.

Requirements

• Candidates should possess a Bachelor's Degree qualification with 5 - 8 years work experience.