Job Description

• The Head of Credit and Marketing is responsible for overseeing the bank’s credit operations and driving business growth through strategic marketing initiatives.
• The role ensures sound credit risk management, portfolio quality, and customer acquisition in alignment with the bank’s mission of financial inclusion and regulatory compliance.

Key Responsibilities
Credit Management:

• Develop, implement, and enforce credit policies, procedures, and risk management frameworks.
• Supervise loan appraisal, approval, disbursement, monitoring, and recovery.
• Maintain portfolio quality and ensure reduction of non-performing loans (NPLs).
• Coordinate credit committee activities and provide periodic reports to management/Board.
• Ensure compliance with CBN, NDIC, and internal regulatory standards.

Marketing & Business Development:

• Design and execute marketing strategies to grow the customer base and increase deposit mobilization.
• Promote the bank’s loan products, savings schemes, and financial services.
• Conduct market research to identify new opportunities and design innovative financial products.
• Build and maintain relationships with customers, community groups, and stakeholders.
• Develop marketing campaigns, including the use of digital platforms and creative materials (graphic design skills will be an added advantage).

Leadership & Strategy:

• Lead and mentor the credit and marketing teams to achieve performance targets.
• Monitor departmental KPIs and drive continuous improvement.
• Collaborate with other departments to ensure seamless service delivery.
• Contribute to the bank’s strategic planning and long-term growth objectives.

Qualifications & Experience

• Bachelor’s Degree in Banking & Finance, Accounting, Economics, Business Administration, or Marketing.
• Minimum of 7–10 years’ progressive experience in credit and/or marketing within the microfinance or banking sector, with at least 3 years in a managerial role.
• Professional certifications (CIBN, ACIB, ICAN, ACCA, CIM, etc.) are an added advantage.
• Strong knowledge of credit risk management, loan administration, and banking regulations.
• Proven track record in business development, deposit mobilization, and customer acquisition.
• Proficiency in graphic design and digital marketing tools (e.g., Canva, Photoshop, CorelDRAW) is an added advantage.

Key Competencies:

• Strong credit analysis and portfolio management skills.
• Excellent marketing, communication, and negotiation ability.
• Business development and customer relationship management expertise.
• Leadership and team management capability.
• Integrity, accountability, and commitment to financial inclusion.
• Creativity in designing marketing content and campaigns.