Fresh Jobs at CredPal

Purpose Statement

• We are seeking a detail-oriented and highly organized Operations Officer with strong risk awareness and control experience to support the efficient day-to-day operations of our microfinance bank in Dawakin Kudu.
• The ideal candidate will be responsible for ensuring smooth transaction processing, maintaining strong operational controls, supporting compliance requirements, and proactively identifying and mitigating risks across operations.
• This role will work closely with and provide direct support to the Head of Finance & Operations, ensuring seamless execution of financial and operational activities across the branch.

Responsibilities

Daily Operations Management

• Process and monitor daily transactions including deposits, withdrawals, transfers, and loan disbursements.
• Ensure accuracy and completeness of all operational activities.
• Maintain proper documentation and record-keeping for all transactions.

Reconciliation & Reporting

• Perform daily, weekly, and monthly reconciliations of accounts, cash, and transactions.
• Investigate, resolve, and escalate discrepancies promptly.
• Prepare and submit operational reports to the Head of Finance & Operations.

Risk Management & Internal Controls

• Identify, assess, and mitigate operational and transaction risks across all activities.
• Ensure strict adherence to internal controls, policies, and procedures.
• Monitor and prevent fraud, errors, and irregular transactions.
• Escalate control breaches and recommend corrective actions.

Compliance & Regulatory Support

• Ensure adherence to internal policies and regulatory requirements.
• Support regulatory reporting and returns preparation as required.
• Maintain proper audit trails and documentation for all transactions.

Cash & Vault Management

• Manage cash handling processes including cash counts, balancing, and vault operations.
• Ensure proper cash control procedures are followed always.
• Monitor cash levels and escalate funding requirements where necessary.

Customer Service Support

• Provide prompt and professional support to customers on transactions and inquiries.
• Resolve customer issues efficiently and escalate where necessary.
• Ensure a seamless and positive customer experience.

Credit & Loan Operations Support

• Support loan processing, documentation, and disbursement activities.
• Ensure all credit files are complete and compliant with policy.
• Monitor loan repayments and flag overdue or high-risk accounts.

Support to Head of Finance & Operations

• Provide day-to-day operational and financial support to the Head of Finance & Operations.
• Assist with financial reporting, reconciliations, returns filing, and compliance activities.
• Support implementation of internal controls, SOPs, and process improvements.
• Ensure timely execution of directives and reporting requirements from management.

Process Improvement & Efficiency

• Identify gaps in operational processes and recommend improvements.
• Support implementation of SOPs and operational best practices.
• Ensure efficient use of banking systems and tools.

Key Performance Indicators (KPIs)

• Transaction Accuracy Rate
• Reconciliation Timeliness & Accuracy
• Number of Risk Incidents / Control Breaches
• Compliance with Internal Controls
• Cash Management Accuracy
• Customer Service Turnaround Time
• Error & Exception Rates

Requirements

• Bachelor’s degree in Finance, Accounting, Business Administration, or related field.
• Minimum of 3years experience strictly within a Microfinance Bank (MFB).
• Demonstrated experience in risk management, internal controls, or operations risk within a microfinance environment.
• Strong understanding of microfinance banking operations, reconciliation, and transaction processes.
• Experience with fraud prevention, risk monitoring, and compliance controls in an MFB.
• Hands-on experience supporting regulatory reporting and returns filing specific to microfinance institutions (CBN, NDIC, etc.).
• Proficiency in Microsoft Excel and core banking systems used in microfinance operations.
• Strong attention to detail and analytical skills.
• Good communication and interpersonal skills.
• Must reside in Kano State, preferably within or around Dawakin Kudu and its environs.

go to method of application »

Purpose Statement

• We are seeking a highly experienced and execution-driven Head of Finance & Operations to oversee the financial management, operational efficiency, and overall performance of our microfinance bank in Dawakin Kudu. The ideal candidate will be responsible for driving financial strategy, ensuring strong internal controls, optimizing operational processes, and supporting aggressive business growth while maintaining regulatory compliance.
• This role requires a commercially minded leader who can balance growth, profitability, and risk management in a fast-paced microfinance environment.

Responsibilities

Financial Strategy & Management

• Lead the development and execution of the bank’s financial strategy in line with business objectives.
• Oversee budgeting, forecasting, and financial planning processes.
• Drive profitability through effective cost management and revenue optimization.
• Monitor financial performance and provide actionable insights to management.
• Ensure the bank consistently maintains all regulatory prudential ratios in line with microfinance banking requirements.

Accounting, Reporting & Returns Filing

• Oversee preparation of accurate and timely financial statements.
• Ensure timely filing of statutory and regulatory returns (CBN returns, NDIC, tax filings, etc.).
• Maintain full compliance with IFRS standards and financial reporting requirements.
• Liaise with external auditors, regulators, and tax authorities.

Operations Management

• Oversee daily banking operations including cash management, branch operations, and transaction processing.
• Drive operational efficiency and process optimization across all units.
• Implement and monitor SOPs and internal control frameworks.
• Ensure operational readiness, uptime, and business continuity.

Risk Management & Compliance

• Establish and enforce strong internal controls to mitigate financial and operational risks.
• Ensure full compliance with Central Bank of Nigeria (CBN) regulations and microfinance guidelines.
• Oversee credit risk processes and portfolio quality in collaboration with business teams.
• Monitor fraud risks and implement preventive measures.

Treasury & Liquidity Management

• Manage liquidity, cash flow, and funding requirements of the bank.
• Optimize asset-liability management to ensure financial stability.
• Oversee investment activities and fund allocation strategies.

Leadership & Team Management

• Lead, mentor, and develop the finance and operations teams.
• Drive a high-performance culture with clear KPIs and accountability.
• Ensure continuous training and capability development across teams.

Process Improvement & Systems

• Drive automation and digital transformation across finance and operations.
• Ensure effective use of core banking systems and financial tools.
• Continuously identify and implement process improvements to enhance efficiency.

Key Performance Indicators (KPIs)

• Profitability & Cost-to-Income Ratio
• Financial Reporting Accuracy & Timeliness
• Liquidity & Cash Flow Management
• Operational Efficiency Metrics
• Portfolio Quality (PAR / NPL)
• Compliance & Audit Outcomes
• Process Turnaround Time

Requirements

• Bachelor’s degree in Finance, Accounting, Economics, or related field.
• ACA / ACCA certification is required.
• MCIB certification is an added advantage.
• Minimum of 5years experience strictly within a Microfinance Bank (MFB) with at least 3years in a senior leadership role overseeing finance and/or operations.
• Strong knowledge of microfinance banking operations and regulatory requirements in Nigeria.
• Proven experience in financial planning, treasury management, and operational leadership.
• Strong understanding of risk management, internal controls, and compliance frameworks.
• Excellent analytical, leadership, and decision-making skills.
• Must reside in Kano State, preferably within or around Dawakin Kudu and its environs.

go to method of application »

Purpose Statement

• We are seeking highly driven and result-oriented Sales Officers to drive customer acquisition, deposit mobilization, and loan disbursement for our microfinance bank in Dawakin Kudu.
• The ideal candidate will be responsible for identifying new business opportunities, onboarding customers, and meeting aggressive sales targets while maintaining strong portfolio quality.
• This role requires individuals who are field-oriented, target-driven, and deeply familiar with the local market and customer segments within Kano State.

Responsibilities

Customer Acquisition & Business Development

• Identify, prospect, and onboard new customers (individuals and SMEs).
• Drive aggressive deposit mobilization and loan disbursement.
• Build and maintain a strong pipeline of prospective clients.
• Expand the bank’s customer base within Dawakin Kudu and surrounding areas.

Sales Target Execution

• Own and achieve assigned monthly sales targets (deposits, loans, and revenue).
• Consistently meet or exceed performance benchmarks.
• Maintain daily activity tracking and reporting of sales efforts.

Relationship Management

• Build and maintain strong relationships with customers.
• Provide ongoing support to ensure customer satisfaction and retention.
• Identify cross-selling opportunities based on customer needs.

Credit & Loan Origination

• Source quality loan opportunities in line with the bank’s credit policy.
• Conduct basic customer assessments and documentation.
• Ensure proper onboarding and complete credit documentation.
• Monitor loan performance and follow up on repayments.

Risk & Portfolio Quality Management

• Ensure high-quality loan bookings with minimal default risk.
• Monitor customer accounts and flag early warning signs.
• Support recovery efforts for overdue accounts.
• Maintain a healthy loan portfolio (low PAR/NPL levels).

Market Intelligence & Community Engagement

• Understand local market dynamics, customer behavior, and competition.
• Build a strong presence within the community and business clusters.
• Identify emerging opportunities and provide market feedback.

Key Performance Indicators (KPIs)

• Monthly Deposit Mobilization Volume
• Loan Disbursement Volume
• Customer Acquisition Numbers
• Portfolio Quality (PAR / NPL)
• Loan Repayment Rate
• Daily & Weekly Activity Levels
• Revenue Contribution 

Requirements

• Minimum of OND / HND / Bachelor’s degree in any relevant field.
• Minimum of 3years experience strictly within a Microfinance Bank (MFB) in a sales or business development role.
• Proven track record in deposit mobilization and loan origination within a microfinance environment.
• Strong understanding of local markets, SMEs, and informal sector dynamics in Kano State.
• Demonstrated ability to meet and exceed aggressive sales targets.
• Basic knowledge of credit assessment and risk management.
• Excellent communication, negotiation, and interpersonal skills.
• Highly motivated, target-driven, and field-oriented.
• Must reside in Kano State, preferably within or around Dawakin Kudu and its environs.

go to method of application »

Purpose Statement

• We are seeking an experienced and commercially astute Branch Manager with strong knowledge of the Kano market terrain, business landscape, and customer behavior.
• The ideal candidate will be responsible for driving business growth, managing branch operations, leading high-performing teams, and ensuring regulatory compliance while delivering exceptional customer experience.
• This role requires a results-driven leader who can aggressively mobilize deposits, grow loan portfolios, and deliver sustainable profitability in line with the bank’s strategic objectives.

Responsibilities

Business Growth & Revenue Generation

• Develop and execute strategies to drive deposit mobilization, loan disbursement, and overall revenue growth.
• Own and deliver on branch targets including deposits, loans, revenue, and profitability.
• Identify and onboard new customers, businesses, and partnership opportunities.
• Expand market share within Kano and surrounding regions through aggressive market penetration.

Leadership & Team Management

• Recruit, lead, and manage a high-performing branch team.
• Set clear performance targets and drive accountability across all team members.
• Implement structured training, coaching, and performance management initiatives.
• Foster a strong sales and performance-driven culture within the branch.

Risk Management & Compliance

• Ensure strict adherence to CBN regulations, internal policies, and credit risk frameworks.
• Maintain a healthy loan portfolio with minimal non-performing loans (NPLs).
• Enforce strong internal controls and compliance with banking standards.
• Proactively identify, assess, and mitigate operational and credit risks.

Customer Experience & Relationship Management

• Ensure delivery of excellent customer service and client satisfaction.
• Build and maintain strong relationships with high-value customers and stakeholders.
• Drive cross-selling of financial products tailored to customer needs.
• Handle escalations and ensure prompt resolution of customer issues.

Operations & Branch Management

• Oversee daily branch operations including credit processing, cash management, and service delivery.
• Ensure operational efficiency, cost control, and profitability of the branch.
• Maintain optimal utilization of branch resources and infrastructure.
• Ensure business continuity and operational readiness always.

Market Intelligence & Stakeholder Engagement

• Conduct market research to identify trends, risks, and growth opportunities.
• Develop strong relationships with regulators, community leaders, and business networks.
• Position the branch as a key financial partner within the Kano business ecosystem.

Key Performance Indicators (KPIs)

• Monthly Deposit Mobilization Volume
• Loan Disbursement & Portfolio Growth
• Portfolio at Risk (PAR) / NPL Ratio
• Revenue & Profitability Targets
• Customer Acquisition & Retention
• Team Productivity & Performance Metrics

Requirements

• Bachelor’s degree in Finance, Business Administration, Economics, or related field.
• MCIB (Member, Chartered Institute of Bankers of Nigeria) certification is required.
• Minimum of 5years experience strictly within a Microfinance Bank (MFB) with at least 3 years in a leadership role.
• Strong knowledge of Kano market, commercial terrain, and local business dynamics.
• Proven track record in deposit mobilization, loan disbursement, and revenue growth.
• Solid understanding of credit risk management and regulatory compliance.
• Excellent leadership, communication, and stakeholder management skills.
• Strong analytical and decision-making capabilities. 
• Must reside in Kano State, with preference for candidates based in or around Dawakin Kudu and its environs.

go to method of application »

Purpose Statement

• We are seeking a skilled BI/data analyst to join our team. As a BI/Data Analyst, you will be responsible for managing our data sets, developing reports, and troubleshooting data issues. The ideal candidate should have a strong background in data analysis and possess a keen attention to detail. You should also have a deep understanding of popular data analysis tools and databases, and the ability to utilize data to inform strategy and decision-making.

Responsibilities

• Develop and implement databases, data collection systems, data analytics, and other strategies to optimize statistical efficiency and quality.
• Develop and execute a comprehensive data warehousing strategy to efficiently store, organize, and manage large volumes of data from various sources. This includes designing data models, data integration processes, and data governance policies to ensure data accuracy, consistency, and security.
• Build robust and scalable ETL pipelines to extract data from diverse sources, transform it into a consistent format, and load it into the data warehouse. These pipelines should handle complex data transformations, data cleansing, and data enrichment tasks to ensure data readiness for analysis and reporting.
• Conduct data and statistical analysis to design efficient operating systems with maximum optimization.
• Design dashboards and data summaries for technical and non-technical audiences, facilitating the implementation of business strategies and missions.
• Collaborate with cross-functional teams, including product managers, engineers, and designers, to identify growth opportunities and develop data strategies that drive product innovation and acquisition.
• Be the owner of analytics for key metrics such as conversion rate, visitor segmentation, time to conversion, referrals, etc.
• Communicate complex analytical findings in a clear and concise manner to both technical and non-technical stakeholders, influencing strategic decision-making at all levels of the organization.
• Stay up-to-date with industry trends, competition, emerging technologies, and best practices in growth analytics, ensuring our team remains at the forefront of innovation.
• Develop, report, and analyze key KPIs to understand trends and behaviors that directly impact growth.
• Promote data fluency and data-informed decision-making throughout the organization.
• Collaborate with Product, Marketing, and Engineering teams to ensure proper event tracking and measurement of features, experiments, and products.

Requirements

• Bachelor’s degree in Computer Science, Statistics, Mathematics, Economics, Data Science, or a related field.
• 3+ years of experience in data analysis, business intelligence, or a related role.
• Proficiency in SQL for data extraction, transformation, and analysis.
• Experience with BI tools (e.g., Tableau, Power BI, Looker, Metabase).
• Strong knowledge of ETL processes and data warehousing concepts.
• Familiarity with Python or R for statistical analysis and data modeling.
• Experience with Metabase, Google Analytics, Mixpanel, Amplitude, or similar tracking tools.
• Understanding of A/B testing methodologies and experimentation frameworks.
• Ability to manage and analyze large datasets efficiently.
• Ability to provide data-driven insights to support decision-making across teams.
• High attention to detail and accuracy in data analysis.
• Ability to work independently and manage multiple projects simultaneously.
• ​Willing to resume immediately.