Job Opportunities at Baobab Microfinance Bank

Job Description

• The successful candidate will report to the Subsidiary Chief Risk Officer and be the central expert operational risk management for the entity, defining operational risk controls and performance indicators.
• You will monitor operational risks in partnership with Operations, Compliance and General Management.
• As Manager for this function, you will be the focal point of contact in the subsidiary to cover all issues related to operational risks, risk-related second level controls, relevant risk appetite, remediation planning and exposure reporting.
• In liaison and collaboration with the Operations team, you will ensure operational risk controls are identified, implemented, monitored and reported on a regular basis. You will advise the teams on the best operational risk practices from both a tactical and strategical perspective.
• You will ensure close cooperation with the Finance and Compliance teams to deploy comprehensive second level controls, regular oversight of operational risks and contribute to the capital adequacy process.

Responsibilities

• Oversee the operational risk framework by implementing and reviewing control self- assessments, and risk indicators to ensure the institution is within control standards
• Assess and challenge the first line of defense risk management practices and controls
• Partner with multiple stakeholders across the first and second line of defense, different lines of business and business functions
• Review operational risk incidents and complaints and work with internal stakeholders for remediation and risk mitigation
• Lead risk reviews of RCSAs, risk events, risk issues and scenarios
• Identify and advise on operational risks across business functions including operations, finance, compliance, audit, HR, risk
• Continuously drive to improve and strengthen the organization’s operational risk management framework.
• Prepare monthly operational risk reports.
• Support the communication of operational risk appetite, policies & processes across the subsidiary.
• Provide subject matter expert advice to the institution relating to Operational risk management in financial services.
• Spearhead the operational risk culture within the organization
• Lead and develop a team of operational risk professionals
• Conduct training on operational risk related topics.

Profile Technical Skills

• Bachelor's Degree
• Prior significant experience in the field of financial inclusion services
• A minimum of 10 years experience in operational risk management in microfinance and SME financing in the local environment
• Successful practical experience in operational risk framework implementation
• Demonstrated familiarity with operational risk metrics and data analysis
• Written and spoken English
• MS Office (particularly Excel and Powerpoint) and Google suite.

Personal Skills:

• A naturally multicultural player and leader: you know how to interact with people with different cultures and different background creating trust, respect and an environment open to problem-solving.
• A good communicator, able to make analysis easy to understand thanks to compelling and clear arguments. You’re at ease in communication with overseas activities (phone, video calls).
• You love teamwork, and you understand what it takes to make the team succeed.
• A pragmatic, you always try to handle complex projects and subjects through simpler tasks and solutions.
• You’re organized and have a strong ability to manage urgencies through effective priority management.
• You have passion and energy. Because we love what we do, our enthusiasm is infectious. You can’t wait to get the virus as this is what makes you perform at your absolute best and see new challenges as an opportunity to contribute, make an impact, grow.
• You value and demonstrate unyielding integrity.

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Supervisor: Reports to the IT Manager

Mission Responsibilities

• Maintain and manage the computer system
• Extend the existing network to remote branches
• Manage access to the various components of the system
• Update institutional records relating to the computer network and system
• Guarantee the safety of hardware and data
• Enforce procedures on saving and restoring data

Specific Functions
Network Administration:

• Develop Identity Management Process and ensures accurate implementation of User Account management within 48 hours (e.g. Gsuite, Global Connect, Sage, Centreon e.t.c.) with records kept properly.
• Develop Administrator/User guides for all Applications/Hardware configuration (both User and backend Infra) for the existing solution and within one month for the newly deployed solution with validation of the IT Manager.
• Implement a functional Network Operating Center in each region and Use Centreon, WatchGuard, Optitune and Team viewer to manage business apps, network and security alerts with high priority before users start to complain.
• Maintain and manage Servers e.g. SAGE and keep records of all Software Licenses (installed version, dates of installation, dates of changes made).
• Extend and or strengthen the computer network
• Setup and follow a development plan (analyse needs in terms of hardware and connexions optimize purchases
• Determine and set up policies to securitize data on the network
• Organize the restoration of data in case of breakdown, to guarantee the continuity of activity
• Ensure all monitoring tools are populated with the correct configuration items/information (such as IP Addresses of branch network devices, Cameras, Business Applications) and give accurate report.
• In collaboration with the Network Security Officer, ensure the Firewalls are properly configured and functional.
• In collaboration with the Network Security Officer perform network design and implementation in accordance with Standard for both existing & new offices. Maintain records of all network topology for all IT solutions/network company-wide.

Credit Information:

• Submits credit / loan information of the customers to the bureaus regularly as regulated by CBN with accurate data.

General Functions:

• Ensures hardware is appropriately configured, used, managed and train users on their tools
• Provide end User support for IT Infrastructure/Services and resolve anomalies within 48 hours with walk around for business continuity. No ticket should remain unattended to within 4 business hours.
• Update inventories relating to the computer network and system and ensure integrity, confidential and availability of Company resources.
• Keep all Windows devices updated, managed and reported. (No windows updates older than 10 days, No antivirus updates older than 3 days, 100% of PCs under management and valid licenses). Ensure mobile devices are reported on MDM.
• Ensure all systems (e.g. Inverter, PCs, Network, CCTV Cameras e.t.c) across the branches are functional and properly maintained. Records of the devices must be kept and changes updated periodically.
• Perform routine checks on all network devices and report anomalies within 24hours to management while following up on resolution.
• Keep all passwords in a database.

Project Management:

• Deliver on the assigned project timely within scope and budgeted cost.

IT Procurement:

• Analyze needs in terms of hardware and connections, as well as purchase optimization. Order hardware in accordance with the procedures
• Hardware Management
• Configure, install and update all components
• Carry out and follow up on inventories of hardware
• Keep all passwords in a database
• Manage supplies of consumables
• Order hardware in accordance with the procedures.

In Collaboration with the Information System Manager

• Update, follow up on network resources/ systems and guarantee their availability
• Ensure the data generated is saved on a daily/monthly basis.
• Develop and enforce the company’s contingency policy
• In case of absence of the ISM, carry out daily procedures relating to data transfer, shutting the system and saving data.
• Other tasks set by the IT Manager

Reports:

• Submit Users Accounts created, suspended or deleted for all services within the month to IT Manager and other stakeholders before 5th day of the new month.
• Send a maintenance report to the Business and IT management latest 48 hours after the exercise is performed.

Education / Experience

• University Degree in Computer Science, Electronic Engineering, Computer Electronics or equivalent
• Good knowledge of SAGE Application and Core Banking System e.g. T24
• At least 4 years experience in system and network administration, maintenance or equivalent
• Microsoft MCSE certificate (desired)
• UEWA / CWNA knowledge or certificate

Required Skills:

• Good knowledge of Windows OS, Sage, databases and networks (LAN, WAN) and Reporting
• Ability to work in a team with short time limits
• Ability to get to grips with a new system
• Having proven to be undertaking and proactive
• Knowledge of Microfinance Operation
• Staff and User Management skills.

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Main Responsibilities

• The Business Development Manager is responsible for developing business solutions
• The main goal is to generate more revenue for the company, to identify sales leads, pitch goods or services to new clients and maintain a good working relationship with new contact and come up with new sales ideas
• This includes new sales strategies, sales pitches, and business plans.

Main Duties of the Position

• Prospect for potential new clients and turn this into increased business.
• Ensure marketing team meets the company’s target branding, corporate image making, planning and implementing promotional campaigns.
• Present and develop new products (Loans and Savings).
• Work with a team to develop proposals that speak to the client’s needs, concerns and objectives.
• Present an image that mirrors that of the client
• Client Retention and lead generation.
• Present and develop new products (Loan and Savings) and services and enhance existing relationships.
• Work with technical staff and other internal colleagues to meet customer needs.
• Arrange and participate in internal and external client debriefs
• Business Development Planning.
• Attend industry functions, such as association events and conferences, and provide feedback and information on market and creative trends.
• Present to and consult with mid and senior level management on business trends with a view to developing new services, products and distribution channels.
• Identify opportunities for campaigns, services and distribution channels that will lead to an increase in sales.
• Using knowledge of the market and competitors, identify and develop the company’s unique selling propositions and differentiation.
• Forecast sales targets and ensure they are met by the team.
• Present business development training and mentoring to business developers and other internal staff.
• Ensure Savings targets are met.

Objectives - Performance Indicators

• Effective business development strategy, new sales strategies, sales pitches.
• Generate revenue for the bank
• Prospect new business, and potential clients
• Client retention and generation.

Required Educational / Experience

• Bachelor's Degree in Business Management, Marketing, Business or a related field, marketing strategy
• With at least 5 - 6 years of Experience in related role.

Required Behavioral Skills:

• Strong communication skills
• Ability to Build Client Relationships,
• Excellent innovative skills
• Good Writing and Public Speaking Skill,
• Leadership and People Management Skill,
• Detail-Orientated
• Organisation and Multi-Tasking Skill.

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Main Responsibilities

• The Marketing & Brand Communication Manager is responsible for adapting Baobab brand strategy for the target market and is also responsible for building that awareness by developing and executing on marketing strategies to meet consumer needs and maximize profits.

Main Duties of the Position

• Development of branding strategies, including the setting of style guides, brand guidelines, brand vision and value proposition for short as well as long term to a line with group branding standards.
• Planning and execution of all communications and media actions on all channels, including online and social media.
• Assisting with product development, pricing and new product launches as well as developing new business opportunities
• Creating and managing promotional collateral to establish and maintain product branding
• Managing the budget for advertising and promotional items
• Competitor and customer insights analysis
• Analysis of sales forecasts and relevant financials and reporting on product sales
• Evaluating and optimizing marketing and pricing strategies.
• Analyzing market trends and preparing forecasts.
• Generating new business leads.
• Increasing brand awareness and market share.
• Coordinating marketing strategies with the sales, financial, public relations, and production departments.
• Developing and managing the marketing department's budget.
• Overseeing branding, advertising, and promotional campaigns.
• Managing the marketing department's staff.
• Preparing and presenting quarterly and annual reports to senior management.
• Promoting our brand at trade shows and major industry-related events.
• Keeping informed of marketing strategies and trends.

Objectives - Performance Indicators:

• Effective communication of all Branding activities to the bank.
• Analyzing market trends and preparing forecasts
• Planning and execution of all communications and media actions on all channels, including online and social media.
• Market storm.

Required Educational / Experience

• Bachelor's Degree in Marketing, Business or a related field, marketing strategy
• With at least 4 - 5 years of experience in a related role.

Required Behavioral Skills:

• Strong communication skills
• Ability to Build Client Relationships,
• Excellent innovative skills
• Good Writing and Public Speaking Skill,
• Leadership and People Management Skill,
• Detail-Orientated
• Organisation and Multi-Tasking Skill.

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Supervisor: Reporting to the Head of Operations

Position Scope

• The successful candidate will be responsible for setting the strategic agenda for SME Banking Department through balance sheet growth, Customer Acquisition,Customer retention, profit &; loss targets in order to support achievement of overall business strategy; in a cost effective and high return manner
• The job holder will be involved in product development oversight aimed at sustaining the Bank’s competitive position within SME businesses. Coverage will be strictly loans and advances.

Key Responsibilities

• The Chief's mission is to drive SME credit (Loans &; Advances) ranging from 4 million to 50 million Nigeria Naira across all the Northern branche in Nigeria.
• To achieve and develop, lead the implementation of the SME Segment strategy in line with the overall Retail Banking Strategy; to ensure achievement of profitability targets through revenue maximization and prudent cost management.
• To drive sustainable growth and acquisition of new customers for the SME Banking through the creation, development and maintenance of high quality advisory relationships.
• To build and maintain productive and strategic relations with customers / suppliers / line manager /stakeholders to drive the development and delivery of business solutions and revenue growth for the SME Segment.
• To drive customer-led propositions for the SME Banking Segment by developing a pipeline of value adding customer solutions to include customer experience, products, and service offers.
• To ensure strong cross- selling of existing and new SME loan products to existing and new clients; and in this process, maintain effective liaison with all relevant business units in the Bank.
• Championing the delivery of consistent, seamless and trusted customer service to ensure customer retention and loyalty.
• Facilitate training programs to enhance product knowledge to the Retail Banking teams, branch staff and sales teams on SME Banking Products.
• Maintains a detailed and current understanding of the industry; (at SME Banking, current market structures; regulatory requirements and issues) to ensure that opportunities are realized and the risks mitigated.
• Ensuring timely submission of quality credit proposals in conformity with the Credit Policy guidelines and requirements whilst maintaining the quality of the SME portfolio within the stipulated NonPerforming Loans (NPL) and Portfolio at Risk (PAR) parameters.
• Ensure compliance to the Bank’s policies, procedures and regulatory requirements.
• Lead, motivate, and continuously develop a credible high performing SME team.
• To meet monthly objective of ₦250,000,000.00 i.e Two hundred and fifty Million naira loan disbursement per month.

Qualifications, Skills & Experience

• University Degree in a Business related field. An advanced degree will be an added advantage.
• Professional Product Development or Project Management Qualification.
• Microfinance experience preferred.
• Minimum of 8 years general banking experience with at least 5 years’ experience in SME Sector 3 years of which must have been in a leadership position.
• 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.
• Demonstrated consistent high performance in role(s) held in the last three years.
• A thorough knowledge of Small Medium Enterprise (SME) Products, Retail Banking products and services, and extensive Banking Industry knowledge.
• Excellent interpersonal, and negotiation skills with the ability to network, generate new business and develop strong business relations.
• Strong leadership skills with demonstrated competencies in chioning high-performance management.
• Membership of a Marketing professional body will be desirable.
• A good understanding of risk, credit policies and procedures.
• Excellent planning, Organization, problem solving and analytical skills.