Job Vacancies at Zuriel Consulting

Details:

Our client is a licensed Money Lending Institution operating in Lagos State. Services offered by the client include comprehensive, affordable, dependable and specialized payday loans amongst others financial solutions to individuals, groups of individuals and burgeoning small size enterprises in Nigeria

Job description

The General Manager shall be responsible for the management of the day to day running of the core business operations, including Lending, Product Development, Marketing, Policy Development, and Application of Internal Controls. He/She will ensure that the Company is competitive, and that outreach and profitability performance targets are met. 

The GM is responsible for ensuring that core business personnel are adequately trained and operate at a high standard of technical competency. The GM shall ensure that the company implements responsible lending and borrowing practices while complying with industrial standards and regulations. 

As a member of the Management Team, He/She shares responsibility for monitoring the overall performance and activities of the company and participates in making decisions on strategic issues.

1.1.            Essential Duties and Responsibilities  

• Guides and directs management in the development, production, promotion, and financial aspects of the organizations products and services.
• Directs the preparation of short-term and long-range plans and budgets based on broad organizational goals and growth objectives.
• Oversees the activities of the Company and implement the organization’s policies.
• Implements programs that meet organizational goals and objectives.
• Creates the structure and processes necessary to manage the organizations current activities and its projected growth.
• Maintains a sound plan of corporate organization, establishing policies to ensure adequate management development and to provide for capable management succession.
• Develops and installs procedures and controls to promote communication and adequate information flow within the organization.
• Supervises design of hardware and software systems to assist in the smooth and efficient flow of information.
• Establishes operating policies consistent with the chief executive officers’ broad policies and objectives and ensures their execution.
• Evaluates the results of overall operations regularly and systematically and reports these results to the Chief executive officer.
• Ensures that the responsibilities, authorities, and accountability of all direct subordinates are defined and understood.
• Ensures that all organization activities and operations are carried out in compliance with regulations and laws governing business operations.
• Develop, modify, and implement credit and savings products. 

1.2      Supervisory Responsibilities:

Carries out supervisory responsibilities in accordance with the organization’s policies and applicable laws. Responsibilities include interviewing, hiring, and training employees; planning, assigning, and directing work; appraising performance; rewarding and disciplining employees; addressing complaints and resolving problems, ensuring that an accurate database of employees is kept; promptly hire, supervise, train credit and savings related staff.

1.3.     Skills and Requirements: 

• Problem Solving -  Identifies and resolves problems in a timely manner; Gathers and analyses information skilfully; Develops alternative solutions; Works well in group problem solving situations; Ability to reach logical conclusions  even when dealing with emotional topics; Ability to make swift, balanced decisions in emergencies when rapid responses is required.  
• Project Management - Develops project plans; Coordinates projects; Communicates changes and progress; Completes projects on time and budget; Manages project team activities.
• Delegation - Delegates work assignments; Matches the responsibility to competent employees; Gives authority to work independently; Sets expectations and monitors delegated activities; Provides recognition for results.
• Leadership - Exhibits confidence in self and others; Inspires and motivates others to perform well; Effectively influences actions and opinions of others; Accepts feedback from others; Gives appropriate recognition as at when due.
• Quality Management - Looks for ways to improve and promote quality; Demonstrates accuracy and thoroughness.
• Managing People -  Includes staff in planning, decision-making, facilitating and process improvement; Takes responsibility for subordinate’s activities; Provides regular performance feedback; Develops subordinates skills and encourages growth; Solicits and applies customer feedback (internal and external); Fosters quality focus in others; Improves processes, products and services.; Continually works to improve supervisory skills.
• Quality Management - Looks for ways to improve and promote quality; Demonstrates accuracy and thoroughness.

1.4.     QUALIFICATIONS

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Education and/or Experience

• Master's degree in Business Administration, Management, Finance, Economics or related field from a reputable institution  is required.
• 5-year experience minimum in comparable positions in terms of responsibility in Commercial banking or Microfinance Bank in an operations line management role. Prior experience as a member of a senior management team is desirable.
• Experience in credit origination and credit risk assessment, business experience in (a) Micro Lending, (b) Small Enterprise Lending.
• Excellent organizational, planning, analytical and problem-solving skills.
• High level of customer service and strong willingness to work in the field.
• Strong business management and negotiation skills.
• Experience managing and motivating staff.
• Excellent interpersonal, communication and training skills.
• Excellent technical report writing skills and computer literacy.
• Adaptability to challenging environments, country or regional experience is a plus.

Language Skills

Fluency in English and local language(s) required.

go to method of application »

Our client is a licensed Money Lending Institution operating in Lagos State. Services offered by the client include comprehensive, affordable, dependable and specialized payday loans amongst others financial solutions to individuals, groups of individuals and burgeoning small size enterprises in Nigeria.

We are recuriting on their behalf to fill the following position

1.    JOB TITLE: BUSINESS DEVELOPMENT OFFICER

1.1.     Job Description

• Source for new individual and group clients via direct or indirect promotion and assist prospect client with loan application. 
•  Source for new product development for the company and viable investments. 
• Conducts in-depth assessment of loan applications and collect detailed information (personal, business, and guarantees) in preparation of loan proposals.
•  Analyse and interpret financial statement of businesses with the use of Microsoft excel or similar data analysis software to access the repayment capacity and financial soundness of the borrower.
• Approve loans by issuing checks or forwarding applications to loan committee.
• Complete loan contracts by explaining provisions to applicant; obtaining signatures and notarizations; collecting fees.
• Help customers by answering questions; responding to requests.
• Maintains customer confidence by keeping loan information confidential.
• Updates job knowledge by participating in educational opportunities; reading professional publications; maintaining personal networks; participating in professional organizations.
• Portfolio Management with full responsibility for its growth and quality (monitoring of disbursed Loans, follow up on timely repayment and Initiating and leading recovery activities)
• Optimizing financial results by cross-selling activities.
• Assuring and maintaining long-term relationship (Relationship Management) through high client satisfaction, reaching a high ratio of revolving clients. 

1.2.            Requirements

• Minimum of B.Sc./ HND / OND in Business, Social Sciences or other relevant field from a reputable institution.
• Candidate should possess at least 2+ years’ experience in sales and marketing in a similar industry.
• Demonstrate good self-esteem and confidence.
• Strong analytical and financial skills (with focus on cash flow analysis and forecasting). 
• Possess strong industry and market orientation.
• Excellent interpersonal, communication and presentation skills
• Ability to work with minimum supervision.
• Entrepreneurial, Innovative thinker, Target driven and result oriented.
• Attentive to details

 Language Skills

Fluency in English and local language(s) required.

go to method of application »

Our client is a licensed Money Lending Institution operating in Lagos State. Services offered by the client include comprehensive, affordable, dependable and specialized payday loans amongst others financial solutions to individuals, groups of individuals and burgeoning small size enterprises in Nigeria.

We are recruiting to fill the following position below:

1.1.            Job Description

• Prepare analysis, reporting, and presentation of key performance indicators such as credit originations quality and delinquency performance.
• Assist with risk mitigation strategies, including but not limited to, credit policy changes and analyses to optimize collection efforts.
• Support the Risk Analytics department with analytical ad hoc assignments as needed. 
• Lead credit-related projects and/or develop credit risk analyses as requested. • Assess credit risk and establish credit limits.
• Make recommendations to management that improve effectiveness or efficiencies for credit risk related areas 
• Analyze customer financial condition and authorize customer credit lines. 
• Understand the industry and possess market knowledge. 
• Minimize bad debt risk, maximize accounts receivable collections.
• Participate in process improvement projects and support other management directives as prescribed.
• Conduct collection calls and customer visits to collect Accounts Receivables.
• Provide customer service and develops relationships with internal/external customers and suppliers.
• Participate in major department projects and take an active role in cross functional teams to assist in driving quality improvements, processes, and initiatives.
• Provide the internal auditor with requisite assistance in ascertaining that all corporate governance procedure is complied with, while keeping records of all performing and non-performing loans. 

1.2.     Requirements

• BA/BSc. degree required in Mathematics/Statistics, Finance, Economics, Business, Business Administration or related field required. Masters or MBA degree or Post-graduate Diploma in Risk assessment and management or its equivalent will be an added advantage.
• 3+ years /and above in a lending, scoring, financial or statistical field is desirable.
• Knowledge of indirect loan/lease consumer lending is preferred. Basic to intermediate knowledge of credit markets is preferred.
• Excellent quantitative skills and financial acumen, ideally expert in Excel and proficient in relational databases.
• Exposure to statistical and/or financial modelling with spreadsheets is a plus.
• Strong verbal and written communication skills, with the ability to effectively interact and communicate with all levels of management.
• Ability to develop reports with a strong attention to detail.
• Challenging spirit with ability to handle deadlines and pressure well.
• Good organizational skills to handle multiple priorities.