• Application Deadline:
• Position: Retail Finance Manager (Credit Operations)



• Job Type Full Time



• Qualification BA/BSc/HND



• Experience



• Location Lagos




• Job Field Finance / Accounting / Audit 
  
  

Job Summary

• We are seeking a highly skilled and customer-focused Retail Finance Manager to manage and facilitate financing solutions for our automobile buyers.


• The ideal candidate will oversee credit processes, assess risks, build partnerships with financial institutions, and ensure smooth loan approvals while driving customer satisfaction and vehicle sales.

Key Responsibilities

• Facilitate auto-loan financing options for retail buyers in collaboration with banks, microfinance institutions, and other lending partners.


• Conduct credit risk assessments, credit appraisals, and loan structuring to ensure high-quality loan portfolios.


• Manage and monitor customer loan applications, ensuring timely approval, disbursement, and compliance with internal and regulatory requirements.


• Develop partnerships with financial institutions to expand financing options for customers.


• Implement credit policies, SOPs, and risk management frameworks to minimize defaults and maintain a healthy portfolio.


• Track loan performance, monitor NPL/PAR ratios, and oversee recovery efforts where necessary.


• Support the sales team by designing financing packages that make products more accessible to customers.


• Provide financial advisory support to customers, guiding them on loan products, interest rates, repayment plans, and eligibility requirements.


• Generate reports on loan origination, approval rates, repayment performance, and credit risk exposure for management decision-making.


• Ensure strict compliance with company policies, industry regulations, and lending guidelines.

Qualifications & Experience

• Bachelor’s degree in Finance, Banking, Accounting, Business Administration, or related field (Master’s degree/MBA is a plus).


• Professional certifications in Credit Risk, Banking, or Risk Management (e.g., RIMAN, CIBN) are an added advantage.


• Minimum of 7–10 years’ experience in credit risk management, retail financing, consumer lending, or microfinance.


• Proven track record of loan portfolio management with low non-performing loan (NPL) ratios.


• Strong understanding of credit risk assessment, regulatory compliance, and financial structuring.


• Excellent relationship management skills with banks, MFIs, and other financial partners.


• Strong analytical, negotiation, and problem-solving skills.


• Proficiency in financial software, credit analysis tools, and MS Office Suite.

Key Competencies:

• Credit Risk Assessment & Loan Structuring


• Retail & Consumer Finance


• Regulatory Compliance & Risk Mitigation


• Strategic Partnerships with Financial Institutions


• Loan Recovery & Portfolio Management


• Strong Communication & Customer Advisory Skills.