We are Recruiting

Job Title:                 Compliance Manager

Experience Level: Senior – Executive (6 to 8+ years)

KEY ROLES AND RESPONSIBILITIES 

1.     Developing Compliance Framework:

·         Establish and maintain a robust compliance framework tailored to the                     microfinance sector.

·         Develop policies, procedures, and controls to ensure compliance with                     regulatory guidelines and industry best practices.

2.     Regulatory Compliance:

·         Monitor changes in regulatory requirements relevant to microfinance                     operations.

·         Ensure the bank complies with laws governing financial services, such as                 microfinance regulations, anti-money laundering (AML), and customer due             diligence (CDD) requirements.

3.     Risk Management:

·         Conduct risk assessments to identify compliance risks specific to                               microfinance activities.

·         Develop risk mitigation strategies and controls to minimize potential risks               and ensure sound risk management practices.

4.     Internal Audits and Reviews:

·         Conduct regular internal audits and reviews to assess compliance with                   policies and procedures.

·         Identify areas of non-compliance or operational weaknesses and                             implement corrective actions.

5.     Training and Awareness:

·         Provide training to staff on compliance issues, regulatory changes, and best           practices in microfinance compliance.

·         Foster a culture of compliance and ethics throughout the organization.

6.     Reporting and Documentation:

·         Prepare and submit reports on compliance activities to senior management           and regulatory authorities.

·         Maintain accurate records and documentation of compliance activities,                   audits, and investigations.

7.     Ethical Standards and Integrity:

·         Promote ethical behavior and integrity within the microfinance bank.

·         Encourage staff to report compliance concerns or violations confidentially             and without fear of reprisal.

8.     External Relationships:

·         Serve as a liaison with regulatory agencies, auditors, and external                             stakeholders on compliance matters.

·         Respond to inquiries and requests for information related to compliance.

9.     Continuous Improvement:

·         Monitor and evaluate the effectiveness of the compliance program.

·         Recommend and implement enhancements to policies, procedures, and                 controls to strengthen compliance and risk management practices.

10.  Crisis Management and Incident Response:

·         Develop and implement procedures for managing compliance-related                     incidents and crises.

·         Coordinate responses to compliance breaches or regulatory inquiries to                 minimize the impact on the bank’s operations and reputation

 QUALIFICATIONS AND SKILLS

·         Bachelor’s degree in law, Business, or a related field.

·         Proven and extensive experience in compliance, risk management,                           regulatory affairs, or a similar role in a microfinance bank

·         In-depth knowledge of microfinance regulations, AML/CFT requirements,               and other relevant financial laws.

·         Thorough understanding of relevant laws and regulations.

·         Proficiency in policy development, audit and monitoring of compliance                   activities

·         Strong analytical and problem-solving skills.

·         Excellent communication and interpersonal abilities.

·         Collaboration skills to work with diverse teams and manage relationships               with regulators and stakeholders.

REPORTING LINE 

Supervisor: The Managing Director

GROSS PAY RANGE

N5m to N7m

KEY ROLES AND RESPONSIBILITIES 

1.     Develop and implement sales strategies to promote health management products and services.

2.     Identify and engage potential clients, including individuals, corporate organizations, and institutions.

3.     Conduct presentations and meetings with prospective clients to explain available healthcare plans and services.

4.     Build and maintain strong relationships with clients to ensure customer retention and satisfaction.

5.     Negotiate and close sales deals while ensuring compliance with company policies and industry regulations.

6.     Monitor market trends and competitor activities to identify opportunities for business growth.

7.     Collaborate with marketing teams to develop promotional campaigns and materials.

8.     Provide regular reports on sales performance, customer feedback, and market insights.

9.     Assist clients in understanding their health management plans and addressing their inquiries or concerns.

10.  Maintain accurate records of sales, client interactions, and contracts.

Qualifications and Skills:

QUALIFICATIONS AND SKILLS:

·       Bachelor’s degree in marketing, Business Administration, Health Management, or a related field.

·       Minimum of 1–3 years of sales experience in the healthcare or insurance industry.

·       Strong understanding of health management services, including HMOs and wellness programs will be an advantage.

·       Excellent communication, negotiation, and interpersonal skills.

·       Ability to build and maintain relationships with diverse clients.

·       Goal-oriented with a proven track record of meeting or exceeding sales targets.

·       Proficiency in Microsoft Office Suite and CRM software.

·       Ability to work independently and as part of a team.

·       Strong problem-solving skills and attention to detail.

·       Willingness to travel for client meetings and business development activities.

REPORTING LINE 

Supervisor: Head of Sales

GROSS PAY RANGE

N2.2m to N4m

Job Title:                 Relationship Officer

Experience Level: Entry-Intermediate (0 to 4 years)

KEY ROLES AND RESPONSIBILITIES 

1.      Customer Engagement:

•       Engage with clients through regular communication to strengthen relationships and ensure satisfaction.

•       Conduct follow-up calls and surveys to gather feedback and address concerns.

2.     Onboarding Process:

•       Assist in the onboarding of new clients, ensuring a smooth transition and introduction to the bank’s product and services.

•       Provide training to new clients on how to use various banking products and services.

3.      Account Review:

•       Regularly review and update client accounts to ensure all information is current and accurate.

•       Perform account audits to verify compliance with banking policies and procedures.

4.     Event Coordination:

•       Organize client events, seminars, and workshops to enhance client engagement and knowledge.

•       Represent the bank at industry events and networking functions.

5.     Client Advocacy:

•       Act as a liaison between the client and the bank, advocating for client needs and preferences.

•       Resolve any issues or challenges faced by clients and escalate when necessary.

QUALIFICATIONS AND SKILLS:

·       Bachelor’s degree in Business, Finance, or related field.

·       Previous experience in customer service or financial services is beneficial.

·       Excellent communication and customer service skills.

·       Strong organizational and multitasking abilities.

·       Proficiency in MS Office and CRM systems.

·       Attention to detail and accuracy.

·       Problem-solving skills.

REPORTING LINE 

Supervisor: Head of Sales

GROSS PAY RANGE

N2.5m to N3.5m

Job Title:                 Head of Operations

Experience level: Senior- Executive (6 to 8+ years)

KEY ROLES AND RESPONSIBILITIES 

·       Oversee the day-to-day operations including loan processing, client service, risk management and compliance.

·       Monitor operational performance metrics and take corrective actions as needed to achieve operational goals

·       Ensures the branch and vaults are opened and closed on a timely basis

·       Supervise balances and troubleshoot ATM/debit card concerns

·       Enhance customer service standards and ensure high levels of client satisfaction.

·       Address and resolve operational issues and client complaints in a timely and effective manner.

·       Monitor and report on financial performance related to operational activities.

·       Ensure all operational activities comply with relevant laws, regulations and internal policies and adhere to the standards.

·       Advice management on how to improve on the bank’s operation.

·       Provide mentorship to members of the operations team by observing their daily activities and assisting them in solving complicated issues arising from errors in operations

·       Supervise the daily operations to ensure a free flow process, and also supervise the execution of daily tasks

·       Identify opportunities for process improvement best practices to enhance operational efficiency and service delivery.

·       Collaborate with senior management to align operational goals with overall business objectives.

·       Ensure client data is protected from the public and secured against fraud by enforcing access rights and verification levels

·       Meets with staff regarding branch security and safety issues.

·       Supervise and coordinate keeping of customers cheques

·       Ensure proper internal controls are in place and functioning effectively.

QUALIFICATIONS:

•       Bachelor’s degree in Business Administration, Finance, Management or a related field.

•       Strong leadership and team management skills

•       In-depth knowledge of banking regulations, compliance, and operational best practices.

•       Excellent analytical, problem-solving and decision-making abilities.

•       Strong communication and interpersonal skills.

•       Extensive experience in operations management, preferably within the microfinance or financial service sector.

REPORTING LINE 

Supervisor: Managing Director

GROSS PAY RANGE

N3.5m to N5m

Job Title:    Direct Sales Agent

Experience Level: Entry (0 to 2 years)

KEY ROLES AND RESPONSIBILITIES 

1.     Client Acquisition: Identify and approach potential clients to offer microfinance products and services.

2.     Product Knowledge: Have in-depth knowledge of the bank’s products, services, and eligibility criteria to effectively advise clients.

3.     Sales Targets: Achieve individual and team sales targets as set by the bank.

4.     Client Relationship Management: Build and maintain strong relationships with clients to encourage repeat business and referrals.

5.     Application Processing: Assist clients in filling out and submitting loan and account applications, ensuring all necessary documentation is provided.

6.     Compliance: Ensure all sales activities comply with regulatory and internal policies, including KYC (Know Your Customer) and AML (Anti-Money Laundering) requirements.

7.     Market Research: Conduct market research to identify trends, customer needs, and potential areas for growth.

8.     Training and Development: Stay updated on new products, services, and market developments through ongoing training and professional development.

9.     Customer Service: Address client queries and concerns promptly and professionally, providing a high level of customer service.

10.  Reporting: Maintain accurate records of sales activities, client interactions, and feedback, and report regularly to management.

11.   Field Visits: Conduct field visits to engage with potential clients in their communities and understand their financial needs better.

12.  Feedback Collection: Gather feedback from clients to help improve products and services offered by the bank.

13.  Collaboration: Work closely with other team members and departments to ensure seamless service delivery and address any issues that arise

QUALIFICATIONS AND SKILLS:

·       HND or equivalent; a degree in Business or Marketing is a plus.

·       Experience in direct sales or customer-facing roles is advantageous.

·       Strong sales and interpersonal skills.

·       Ability to work independently and achieve sales targets.

·       Good communication and presentation skills.

·       Knowledge of financial products and services.

·       Proficiency in using sales tools and CRM systems.

REPORTING LINE 

Supervisor: Head, Sales

GROSS PAY RANGE

N1m to N1.2m

Job Title:   Graduate Trainee

Experience Level: Entry (0 to 2 years)

KEY ROLES AND RESPONSIBILITIES

1.     Training and Development: Participate in comprehensive training programs across various departments to develop a deep understanding of banking products, services, and operations.

2.     Client Relationship Exposure: Shadow senior staff in client-facing roles to learn how to manage relationships, understand customer needs, and deliver appropriate solutions.

3.     Operational Support: Assist departments in carrying out daily operational tasks such as account management, customer service, loan processing, and risk management.

4.     Product Knowledge: Develop in-depth knowledge of the bank’s products, services, and industry best practices to contribute effectively to customer interactions.

5.     Process Improvement: Identify inefficiencies or areas for improvement in the current processes and propose solutions to enhance productivity and customer satisfaction.

6.     Data Management: Support in managing, analyzing, and maintaining customer and transaction data, ensuring accuracy and compliance with regulations.

7.     Compliance and Risk Management: Understand and adhere to the bank’s internal policies, including compliance with regulatory requirements and risk management protocols.

8.     Reporting: Assist in the preparation and delivery of regular reports to the management, highlighting operational progress and key performance metrics.

9.     Cross-functional Collaboration: Work closely with other departments such as Finance, Marketing, Risk, and Operations to ensure seamless service delivery and operational efficiency.

10.  Customer Service Exposure: Gain experience in providing high-quality customer service, responding to inquiries, resolving issues, and ensuring customer satisfaction.

 QUALIFICATIONS AND SKILLS

·       A minimum of a Bachelor’s degree in Business, Economics, Finance, Accounting, or a related field.

·       Recent graduates with no more than 1-2 years of professional work experience.

·       Strong analytical and problem-solving skills.

·       Ability to work collaboratively in a team environment and independently.

·       Good communication, presentation, and interpersonal skills.

·       Proficiency in Microsoft Office Suite (Excel, PowerPoint, Word).

·        Strong attention to detail and organizational skills

·       Willingness to learn and adapt to the banking environment.

·        A keen interest in developing a career in the banking sector.

REPORTING LINE 

Supervisor: Assigned Department Head

GROSS PAY RANGE

N1.2m to N1.8m

Job Title:   Finance Analyst

Experience Level: Entry- Intermediate (0 to 2 years)

KEY ROLES AND RESPONSIBILITIES

1.     Financial Reporting: Support the preparation of monthly, quarterly, and annual financial reports. Ensure reports are accurate, complete, and delivered on time, in line with regulatory standards.

2.     Data Management: Collect, organize, and analyze financial data from various sources to ensure it is up-to-date, accurate, and suitable for reporting purposes.

3.     Compliance and Risk Management: Assist in maintaining compliance with internal policies and external regulatory requirements. Provide support for audits and reviews, ensuring all financial data is available and accurately presented.

4.     Process Improvement: Identify areas within the financial processes where improvements can be made and suggest solutions to increase efficiency and accuracy in reporting and analysis.

5.     Cross-functional Collaboration: Work closely with other departments, such as operations and risk management, to provide financial insights and assist in the decision-making process.

6.     Performance Tracking: Track and analyze key financial metrics to monitor the bank’s financial performance, ensuring that financial objectives are met.

7.     Ad Hoc Projects: Assist in various finance-related projects, offering financial data, analysis, and recommendations as needed..

 QUALIFICATIONS AND SKILLS

o   A Bachelor’s degree in Finance, Accounting, Economics, or a related field.

o   1-2 years of experience in financial analysis, accounting, or a similar role, preferably within a banking or financial services environment.

o   Strong analytical skills with the ability to interpret financial data and trends effectively.

o   Skilled in Microsoft Excel (including pivot tables, formulas, and financial functions).

o   Excellent communication and presentation skills with the ability to present complex financial data clearly.

o   Understanding of accounting principles and financial reporting standards.

o   Ability to collaborate with different teams and work independently to meet deadlines.

o   High attention to detail and organizational skills.

REPORTING LINE 

Supervisor: Head of Finance / Senior Finance Manager

GROSS PAY RANGE

N1m to N1.5m

Job Title:    Credit Supervisor

Experience Level: Mid (4 to 6 years)

Job Summary:   Responsible for overseeing and managing the credit operations within the institution. This role involves ensuring that loan applications are processed efficiently and in compliance with internal policies and regulatory requirements. The Credit Supervisor also monitors credit risk, supervises credit staff, and provides strategic guidance to optimize the credit portfolio and support the bank’s growth objectives.

KEY ROLES AND RESPONSIBILITIES 

1.     Credit Risk Management:

•       Assess and mitigate credit risk by reviewing and approving loan applications based on risk assessments and credit policies.

•       Monitor and analyze the performance of the credit portfolio to identify potential risks and take corrective actions.

2.     Policy Compliance:

•       Ensure that all credit activities comply with the bank’s credit policies, regulatory requirements, and industry best practices.

•       Implement and enforce internal controls to minimize fraud and operational risks.

3.     Supervision and Leadership:

•       Manage and mentor a team of credit officers or analysts, providing guidance, support, and performance evaluations.

•       Facilitate training and development programs to enhance the skills and knowledge of credit staff.

4.     Loan Processing and Approval:

•       Oversee the loan processing workflow to ensure timely and accurate loan approvals.

•       Review and validate credit reports, financial statements, and other documentation to make informed credit decisions.

5.     Credit Portfolio Management*:

•       Monitor and manage the bank’s credit portfolio, ensuring optimal performance and alignment with strategic goals.

•       Review and adjust credit limits, terms, and conditions as needed to maintain portfolio health.

6.     Client Interaction:

•       Engage with clients to address complex credit-related queries and resolve issues related to loan applications or repayments.

•       Maintain strong client relationships to support business development and customer satisfaction.

7.     Reporting and Documentation:

•       Prepare and present detailed reports on credit performance, risk exposure, and compliance to senior management.

•       Ensure accurate and up-to-date documentation of all credit transactions and decisions.

8.     Process Improvement:

•       Identify opportunities for process improvements in credit operations to enhance efficiency and effectiveness.

•       Implement best practices and new technologies to streamline credit processes.

9.     Regulatory Liaison:

•       Stay updated on changes in regulatory requirements and ensure the bank’s credit practices comply.

•       Coordinate with external auditors and regulators during audits and inspections.

QUALIFICATIONS AND SKILLS:

·       Bachelor’s degree in Finance, Accounting, or related field.

·       Experience in credit analysis or lending is preferred.

·       Strong analytical and decision-making skills.

·       Knowledge of credit policies and risk management.

·       Excellent leadership and supervisory abilities.

·       Proficiency in credit analysis software and Microsoft Office.

·       Strong communication and negotiation skills.

REPORTING LINE 

Supervisor: Head of Credit

GROSS PAY RANGE

N2m to N4m

Job Title:                 Relationship Manager

Experience Level: Mid (4 to 6 years)

KEY ROLES AND RESPONSIBILITIES 

1.     Client Strategy Development:

•       Develop tailored strategies to meet the financial goals and needs of high-value clients.

•       Create and implement action plans for client acquisition and retention.

2.     Portfolio Management:

•       Manage a portfolio of client accounts, ensuring their financial objectives are met.

•       Monitor and review client accounts to ensure alignment with their investment strategies.

3.     Client Meetings:

•       Conduct regular meetings with clients to review account performance and discuss future financial plans.

•       Prepare detailed reports and presentations for client meetings.

4.     Market Research:

•       Stay informed about market trends, economic conditions, and financial products.

•       Use market insights to advise clients on investment opportunities and risk management.

5.     Risk Management:

•       Identify potential risks in client portfolios and recommend adjustments to mitigate those risks.

•       Ensure compliance with internal policies and regulatory requirements in managing client portfolios.

6.     Collaboration:

·       Work closely with other departments (e.g., credit, compliance) to address client needs and issues.

·       Coordinate with product specialists to deliver comprehensive solutions to clients.

QUALIFICATIONS AND SKILLS:

·       Bachelor’s degree in Business, Finance, or a related field.

·       Relevant certifications (e.g., Certified Financial Planner) can be an advantage.

·       Proven experience in banking or financial services.

·       Strong interpersonal and communication skills.

·       Ability to build and maintain client relationships.

·       Sales and negotiation skills.

·       Analytical and problem-solving abilities.

·       Proficiency in CRM software.

REPORTING LINE 

Supervisor: Head of Sales

GROSS PAY RANGE

N3.5m to N4.5m

Job Title:                 Internal Control Officer

Experience Level: Intermediate (2 to 4 years)

KEY ROLES AND RESPONSIBILITIES 

·       Lending and Credit:

·       Participate and assess the credit cycle process (pre-disbursement and post-disbursement) to ensure compliance.

·       Conduct field visit to verify the formation of groups, existence of the client and their household, existence of business(s) which the loan is disbursed, quality and maintenance of collateral pledged, and the loan field analysis conducted by the CRO.

·       Banking Services (Front and Back Office)

·       Review all banking processes in compliance with set policies and procedures and report any anomalies to the Head of Risk & Compliance:

·       Ensure compliance with KYC procedures in processing new customers in an effort to control Money Laundering activities.

·       Ensure that suspicious transactions are identified and duly reported as per the reporting guidelines to the Head of Risk and Compliance for further action.

·       Ensure implementation of treasury and Cash management policies in the back office and report any identified weaknesses.

·       Ensure proper record keeping of all customer documents and any other accounting support documents to secure confidentiality.

·       Ensure Implementation & Compliance with Business Continuity Management Policies.

·       Other Internal Business Processes:

·       Monitor and evaluate procurement process in compliance with FINCA Nigeria Administrative policy manual.

·       Monitor all HR processes in line the internally set policies and the regulations prescribed by Government.

·       Monitor system access user rights and all IT related processes in line with FINCA Nigeria Management Information systems policy guide.

·       Review and monitor any other process that is initiated either as a result of a new product or Service for which FINCA may bring on board.

·       Reporting:

·       Conduct exit interviews with the staff and branch management on the findings of their inspection visit and make agreeable actions for resolving the key finding;

·       Prepare reports of inspection visits and submit to the Head of Risk and Compliance within three days after the visit;

·       Based on findings, provide recommendations for improvement of policies and procedures;

·       Immediately inform (by email or phone call) Head of Risk and Compliance about all suspicious activities of FINCA employees that can negatively affect the operations or in case of detection of serious violations that indicate to weak internal control environment;

·       Liaise with internal auditors concerning compliance matters identified earlier in their visits and ensure their timely implementation.

·       Follow up and monitor the implementation of agreed actions with the branch management teams on a regular basis – preferably starting one month after the compliance supervision visit, track them and ensure they have been resolved.

·       Submit detailed monthly report of activities covered for the month ended before the 3rd working day of the new month to the Head of Risk and Compliance to facilitate the consolidation of the Monthly ICD report to Management Board.

·       Coach, Mentor and Train staff to address some of the areas to improve quality of staff to minimize breach of policy and procedures

·       Monitor policy implementation and risk of all Banking, credit staff and any other staff member with in the branch.

·       Participate in the review of policies and procedures

 QUALIFICATIONS:

·       Degree/HND in Accounting or its equivalent

·       2 – 3years post NYSC experience in Internal Control or Internal Audit function; preferably with financial services, microfinance or public policy.

·       Good exposure to microfinance, finance or banking industry will be highly desired.

·       Ability to work under pressure and handle multiple deadlines.

·       Good Planning and project management abilities.

·       Strong attention to details, and

·       Highly organized with a good demonstration of leadership skill

REPORTING LINE 

Supervisor: Head of Risk, Control and Compliance

GROSS PAY RANGE

N1.5m to N3m

Job Title:   Audit Officer

Experience Level: Intermediate-Mid (2 to 6 years)

KEY ROLES AND RESPONSIBILITIES

1.     Internal Audits: Conduct audits of various departments, processes, and financial transactions to ensure accuracy, completeness, and compliance with internal policies and regulations.

2.     Risk Assessment: Evaluate internal controls to identify potential risks, inefficiencies, or compliance gaps. Recommend improvements to enhance operational effectiveness.

3.     Compliance Testing: Verify adherence to regulatory standards, internal policies, and procedures. Ensure the bank’s operations are compliant with financial regulations and industry standards.

4.     Financial Review: Assist in reviewing financial statements, records, and reports to detect discrepancies and ensure correct financial reporting.

5.     Audit Reporting: Prepare detailed audit reports that summarize findings, including identified issues, risks, and suggested corrective actions.

6.     Follow-up: Monitor the implementation of corrective actions for previously identified audit findings to ensure compliance and continuous improvement.

7.     Support External Auditors: Assist external auditors with information and documentation as required during audits.

8.     Data Analysis: Analyze financial and operational data to identify trends and areas of concern, providing management with insights for better decision-making.

9.      Collaboration: Work closely with different departments to understand operations, assess risks, and recommend process improvements.

 QUALIFICATIONS AND SKILLS

·       A Bachelor’s degree in Accounting, Finance, Business Administration, or a related field.

·       1-3 years of experience in auditing, internal controls, or accounting, preferably in a financial institution.

·       Strong understanding of auditing principles, financial regulations, and compliance requirements.

·       Proficiency in auditing software and Microsoft Excel.

·       Strong analytical and problem-solving skills.

·       Excellent communication skills, both written and verbal.

·       Ability to work independently and in a team environment.

·       High attention to detail and organizational skills.

REPORTING LINE 

Supervisor: Head of Internal Audit / Audit Manager

GROSS PAY RANGE

N1.5m to N3.2m

Job Title:                Senior Sales Executive

Experience Level: Senior- Executive (6 to 8+ years)

KEY ROLES AND RESPONSIBILITIES 

1.     Strategic Planning and Execution:

·       Develop and implement the sales strategy aligned with the bank’s business goals.

·       Identify new market opportunities and create plans to capture these opportunities.

·       Set sales targets and ensure they are met by the sales team.

2.     Sales Team Management:

·       Lead, manage, and mentor the sales team to achieve their targets.

·       Conduct regular training sessions to enhance the skills of the sales staff.

·       Evaluate the performance of the sales team and provide feedback for improvement.

3.     Market Analysis and Research:

·       Conduct market research to understand customer needs and market trends.

·       Analyze competitor activities and adjust sales strategies accordingly.

·       Keep abreast of regulatory changes affecting the microfinance sector and adjust strategies as needed.

4.     Customer Relationship Management:

·       Build and maintain strong relationships with key customers and stakeholders.

·       Ensure high levels of customer satisfaction through excellent service and effective resolution of issues.

·       Develop strategies for customer retention and loyalty.

5.     Sales Operations:

·       Oversee the day-to-day operations of the sales department.

·       Ensure that sales processes and policies are adhered to and are effective.

·       Manage the sales budget and allocate resources efficiently.

6.     Product and Service Development:

·       Collaborate with the product development team to tailor products and services that meet customer needs.

·       Provide feedback from the field to improve existing products and develop new offerings.

7.     Reporting and Analysis:

·       Prepare regular sales reports for the senior management team.

·       Use data and analytics to measure the effectiveness of sales strategies and make data-driven decisions.

·       Monitor key performance indicators (KPIs) and adjust strategies as necessary to achieve targets.

8.     Compliance and Risk Management:

·       Ensure all sales activities comply with relevant regulations and internal policies.

·       Identify and mitigate risks associated with sales operations.

·       Work closely with the compliance team to ensure the sales team’s adherence to legal and regulatory requirements.

9.     Collaboration with Other Departments:

·       Work closely with marketing, finance, and operations to ensure a unified approach to achieving the bank’s objectives.

·       Facilitate communication between the sales team and other departments to streamline processes and improve service delivery.

10.  Innovation and Continuous Improvement:

·       Foster a culture of innovation within the sales team.

·       Implement best practices in sales management and continuously seek ways to improve efficiency and effectiveness.

 Qualifications and Skills:

·       Bachelor’s degree in Business administration, Finance, Economics, Marketing or a related field.

·       Minimum of 7-10 years of experience in Sales or Business Development with at least 5 years in a leadership role.

·       Proven experience in compliance, regulatory affairs, or a similar role.

·       Thorough understanding of the microfinance sector.

·       Strong analytical and problem-solving skills.

·       Ability to develop and execute effective sales strategies.

·       Excellent communication and interpersonal abilities.

·       Certification in CIM, PMP, FRM is advantageous

QUALIFICATIONS AND SKILLS:

·       Bachelor’s degree in Business administration, Finance, Economics, Marketing or a related field.

·       Minimum of 7-10 years of experience in Sales or Business Development with at least 5 years in a leadership role.

·       Proven experience in compliance, regulatory affairs, or a similar role.

·       Thorough understanding of the microfinance sector.

·       Strong analytical and problem-solving skills.

·       Ability to develop and execute effective sales strategies.

·       Excellent communication and interpersonal abilities.

·       Certification in CIM, PMP, FRM is advantageous

REPORTING LINE 

Supervisor: The Managing Director

GROSS PAY RANGE

N7m to N9m

Job Title:   Communications Officer

Experience Level: Entry- Intermediate (1 to 4 years)

KEY ROLES AND RESPONSIBILITIES

1.     Content Creation: Develop and create high-quality content for internal and external communication materials, including press releases, newsletters, blog posts, and social media updates.

2.     Media Relations: Establish and maintain relationships with media outlets, journalists, and influencers to promote positive coverage of the bank. Respond to media inquiries and coordinate interviews or media events as necessary.

3.     Brand Management: Ensure consistent messaging across all communication platforms and maintain the bank’s brand voice and identity.

4.     Campaign Support: Assist in the development and execution of marketing and communications campaigns to promote the bank’s products, services, and initiatives.

5.     Social Media Management: Manage the bank’s social media accounts, including content scheduling, community engagement, and performance analysis. Help build and maintain an online presence that aligns with the bank’s marketing strategy.

6.     Internal Communications: Collaborate with HR and other departments to ensure effective communication of key internal messages, policies, and employee engagement initiatives.

7.     Event Coordination: Support the planning and execution of corporate events, seminars, or conferences. Ensure effective communication and promotion of these events through various channels.

8.     Crisis Communication: Assist in handling any communications during a crisis or sensitive situations, ensuring the bank’s message is clear, transparent, and timely.

9.     Stakeholder Engagement: Assist in maintaining communication with key stakeholders, including customers, employees, partners, and the public, to ensure transparency and trust in the bank’s activities.

10.  Monitoring and Reporting: Track media coverage and the effectiveness of communication campaigns, preparing reports and providing recommendations for improvement.

 QUALIFICATIONS AND SKILLS

·       A Bachelor’s degree in Communications, Public Relations, Marketing, or a related field.

·       1-3 years of experience in a communications, public relations, or marketing role, preferably within a financial services or corporate environment.

·       Strong written and verbal communication skills, with the ability to craft clear, concise, and engaging content.

·       Proficiency in social media platforms and digital content creation tools.

·       Experience with media relations and handling inquiries from journalists.

·       Knowledge of communication strategies and crisis management.

·       Ability to work collaboratively in a team environment and independently.

·       Strong organizational skills and attention to detail.

·       Creative thinking and problem-solving abilities.

REPORTING LINE 

Supervisor: Head of Communications / Marketing Manager

GROSS PAY RANGE

N1.5m to N2.5m

Job Title:                 Marketing Officer

Experience Level: Intermediate & Mid (3 to 6 years)

Job Summary:    Marketing Officer’s responsibility is to develop and implement marketing strategies to promote our products and services, enhance brand awareness, and drive business growth. This role requires creativity, analytical skills, and a deep understanding of market trends to ensure successful marketing campaigns.

KEY ROLES AND RESPONSIBILITIES 

1.     Develop and execute marketing strategies to increase brand awareness and customer engagement.

2.     Conduct market research to identify new business opportunities, customer needs, and competitive trends.

3.     Create and manage marketing campaigns across various channels, including digital, print, and social media.

4.     Collaborate with sales teams to generate leads and convert them into customers.

5.     Monitor and analyze the performance of marketing campaigns, adjusting strategies as needed.

6.     Manage social media accounts, website content, and other digital marketing initiatives.

7.     Develop promotional materials, including brochures, advertisements, and presentations.

8.     Organize and participate in marketing events, trade shows, and networking activities.

9.     Maintain relationships with clients, partners, and stakeholders to enhance brand reputation.

10.  Prepare reports on marketing activities, performance metrics, and return on investment (ROI).

QUALIFICATIONS AND SKILLS:

·       Bachelor’s degree in Marketing, Business Administration, or a related field.

·       Proven experience in marketing, sales, or a similar role.

·       Strong knowledge of digital marketing, SEO, and social media management.

·       Excellent communication, presentation, and interpersonal skills

·       Knowledge in the marketing of financial and heakth products will be an advantage .

·       Ability to analyze data, interpret trends, and develop actionable strategies.

·       Proficiency in Microsoft Office Suite and marketing tools such as Google Analytics, CRM software, and graphic design tools.

·       Creativity and problem-solving skills.

·       Ability to work independently and as part of a team.

·       Strong organizational and project management skills with attention to detail.

REPORTING LINE 

Supervisor: Head of Sales

GROSS PAY RANGE

N2.2 to N4m

Job Title:     KYC Officer

Experience level:  Entry-Intermediate-Mid (1 to 5 years)

KEY ROLES AND RESPONSIBILITIES

1.     Ensure that the institution complies with KYC/AML regulations and internal policies.

1. Assess and manage the risk associated with client onboarding and ongoing customer relationships.
2. Conduct thorough checks and verification of customer identity and financial background.
3. Perform risk assessments for new and existing customers based on their profile and transaction history.
4. Ensure the completion of KYC documentation and proper record-keeping.
5. Regularly update and review customer profiles to reflect changes in behavior, risk level, or ownership.
6. Stay informed about and ensure compliance with relevant KYC/AML regulations, including local and international laws.
7. Assist in audits and regulatory inspections, providing required documentation and information.
8. Collect and verify documents such as passports, utility bills, and other forms of identification.
9. Conduct risk assessments and customer profiling during the onboarding process.
10. Update and maintain KYC records in the institution’s database.
11. Prepare reports on findings and suggest actions to mitigate risks.

QUALIFICATIONS

·       Bachelor’s degree in Finance, Business, or a related field.

·       Certification in anti-money laundering (e.g., CAMS) is advantageous.

·       Experience in compliance or KYC roles preferred.

·       Strong knowledge of KYC and AML regulations.

·       Excellent attention to detail and organizational skills.

·       Proficiency in compliance software and Microsoft Office.

·       Good analytical and investigative abilities.

·       Strong communication and reporting skills.

·       In-depth knowledge of KYC regulations and recovery processes.

·       Excellent analytical and problem-solving abilities.

·       Proficiency in compliance and recovery software.

Effective negotiation skills.

REPORTING LINE 

Supervisor: Head of Credit

GROSS PAY RANGE

N1.2m to N1.8m

Job Title:   Legal Officer

Experience Level – Mid (4 to 6 years)

KEY ROLES AND RESPONSIBILITIES

1.     Legal Advisory: Provide legal advice to the bank’s management and departments on various legal issues, including regulatory compliance, contract law, dispute resolution, and corporate governance.

2.     Contract Management: Review, draft, and negotiate contracts and agreements to ensure the bank’s interests are well protected and compliant with applicable laws and regulations.

3.     Litigation and Dispute Resolution: Represent the bank in legal matters, including managing litigation, resolving disputes, and liaising with external counsel when necessary.

4.     Regulatory Compliance: Ensure the bank adheres to all relevant laws and regulations. Monitor changes in legislation that could impact the bank and advise the management team accordingly.

5.     Risk Management: Assist in identifying and mitigating legal risks to the bank. Provide proactive legal advice on potential areas of concern.

6.     Corporate Governance: Advise on corporate governance matters and ensure the bank complies with statutory obligations, including board meeting documentation, shareholder agreements, and regulatory filings.

7.     Document Management: Oversee the management and safekeeping of the bank’s legal documents, contracts, and records. Ensure proper documentation and access control.

8.     Due Diligence: Assist with due diligence processes for corporate transactions, including mergers, acquisitions, and other strategic initiatives.

9.     Training and Awareness: Conduct training sessions for internal staff on legal and regulatory compliance, as well as risk management practices.

10.  Internal Collaboration: Work closely with other departments (e.g., finance, compliance, and risk management) to provide legal input and support on cross-functional projects and activities.

11.  Legal Research: Keep up to date with relevant case law, legal precedents, and regulatory changes. Conduct legal research and assist in the development of policies and procedures.

12.  Ad hoc Legal Support: Provide legal support for special projects, corporate restructuring, and other strategic initiatives as required by the bank.

QUALIFICATIONS AND SKILLS

• A Bachelor’s degree in Law (LLB). A Master’s degree in Law (LLM) or any relevant certification is a plus.
• 4-6 years of experience in a legal role, with a focus on corporate law, banking, financial services, or related sectors.
• Strong understanding of Nigerian legal and regulatory frameworks, including financial regulations, commercial law, and dispute resolution.
• Proven experience in reviewing and drafting contracts, handling litigation, and advising on legal compliance.
• Excellent research, analytical, and problem-solving skills.
• Strong communication skills, both verbal and written, with the ability to explain complex legal matters clearly to non-legal stakeholders.
• Ability to work independently and as part of a team, managing multiple tasks and deadlines.
• High level of integrity and professional ethics.
• Detail-oriented with strong organizational and documentation skills.

REPORTING LINE 

Supervisor: Risk and Compliance Manager

GROSS PAY RANGE

N2.5m to N4.5m. (subject to qualifications and experience)