Job Summary

• The Portfolio Manager is responsible for overseeing the loan portfolio and leading a team of Field Credit Officers within a specific state.
• This role involves setting performance targets, ensuring credit risk is managed effectively, maintaining a healthy loan portfolio, and driving growth of the business and loan products.
• The Portfolio Manager will collaborate closely with other departments (Products, Risk, Operations, etc.) to uphold credit policies and ensure successful loan disbursement and repayment.

Key Responsibilities
Team Leadership and Management:

• Supervise, mentor, and provide guidance to Field Credit Officers (FCOs) within the assigned state.
• Set and communicate clear performance goals and objectives for the FCOs, ensuring alignment with the company’s overall targets and strategy.
• Conduct regular performance reviews, identify training needs, and foster professional growth among team members.

Portfolio Oversight and Growth:

• Develop and implement strategies to grow a robust and profitable loan portfolio in the assigned state.
• Monitor and analyze overall portfolio performance, including loan approvals, disbursements, and repayments, to ensure targets are met.
• Identify trends and potential risks, taking proactive measures to mitigate any issues that could impact portfolio health.

Credit Risk Management:

• Ensure adherence to the organization’s credit policies and procedures.
• Review and approve on loan applications recommended by FCOs, providing final credit decisions where necessary.
• Conduct periodic credit risk assessments and collaborate with the Regional Credit Manager and VP, Credit Portfolio Management to refine and enhance credit evaluation frameworks.

Compliance and Reporting:

• Maintain compliance with regulatory requirements and internal policies related to credit operations and portfolio management.
• Prepare and present regular portfolio performance reports to Regional Credit Manager and VP, Credit Portfolio Management, highlighting key metrics, trends, and recommendations for improvement.
• Ensure all documentation and records are accurate, up-to-date, and in line with compliance standards.

Stakeholder Engagement:

• Collaborate with cross-functional teams (Products, Operations, Risk, etc.) to ensure seamless loan disbursement and servicing processes.
• Develop and maintain strong relationships with business clients and community stakeholders to enhance the company’s market presence.
• Address and resolve escalated customer issues and inquiries related to the loan portfolio.

Process Improvement:

• Identify process gaps and inefficiencies within credit administration, making recommendations for system and process enhancements.
• Stay informed of industry best practices, market trends, and competitor activities, adapting strategies as needed.

Qualifications

• Bachelor’s Degree (or higher) in Business, Finance, Economics, or a related field
• Minimum of 4-5 years of relevant experience in lending, credit, or portfolio management, with at least 2 years in a supervisory role.
• Demonstrable experience in credit risk analysis and financial analysis.
• Strong knowledge of regulatory requirements and compliance in the financial sector.
• Proven track record in managing and growing a loan portfolio in a fast-paced environment.
• Must be resident in the state of responsibility.

Relevant Skills:

• Leadership & Team Management
• Analytical & Problem-Solving Skills
• Communication & Interpersonal Skills
• Strategic Thinking & Planning
• Attention to Detail
• Technology Proficiency.

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Job Summary

• The POS technician is saddled with the responsibility of repairing, supporting and maintaining the Point of Sales (POS) and related devices.
• Work involves maintenance and support of all POS terminals ( Linux and Android, Mpos, and Kiosk) within our distribution network.

Responsibilities

• Work closely within the hardware department to manage the end-to-end repair process.
• Provide second level support on hardware related issues.
• Manage & Coordinate Terminal Repair Centers across our network
• Perform other duties as delegated and assigned by his/her Line Manager.

Requirements

• Minimum of HND / B.Sc. Degree
• At least 2 years of experience in a related role.
• Technical ability to carry out repairs on PAX, Aisino, Smartpeck and Topwise Terminals.
• Experience with the Agency banking business would be an added advantage.
• Good computer skills. Must have knowledge of the Microsoft Office Suite (Excel, Word and PowerPoint)
• Good Relationship skills and emotional intelligence skills
• Must be self-driven and be able to take initiative
• Good communication and interpersonal skills
• Ability to work with limited supervision.
• Proficient in English
• Must be resident in Gombe State.

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