• Application Deadline:
• Position: Head of Credit



• Job Type Full Time



• Qualification BA/BSc/HND , MBA/MSc/MA



• Experience 6 - 8 years



• Location Lagos




• Job Field Finance / Accounting / Audit 
  
  

Job Description

• We are hiring a highly experienced Head of Credit to lead credit operations, manage risk, and ensure the quality of our loan portfolio.


• The ideal candidate will have strong analytical capabilities, deep credit management expertise, and proven leadership experience.

Responsibilities

• Lead and oversee the organization’s credit operations and policies.


• Assess and mitigate credit risk while ensuring compliance with regulatory standards.


• Monitor and optimize loan portfolio performance.


• Develop and implement credit strategies to support business growth.


• Lead, mentor, and develop the credit team for operational excellence.


• Oversee credit underwriting, evaluation, and approval processes.


• Ensure timely review of credit applications and adherence to internal credit guidelines.


• Collaborate with Finance, Risk, Compliance, and Operations teams to ensure seamless credit processes.


• Prepare periodic credit reports for senior management and regulatory bodies.


• Design and implement credit risk models and scoring systems to improve decision-making.


• Review and update credit policies in line with market trends and regulatory requirements.


• Manage loan recovery strategies and oversee effective debt collection efforts.


• Drive continuous improvement of credit workflow, systems, and internal controls.

Requirements

• Bachelor’s Degree in Finance, Accounting, Economics, or a related field.


• Minimum of 6–8 years relevant experience in credit management, preferably within the financial services industry.


• Strong analytical, decision-making, and leadership skills.


• MBA or relevant professional certification is an added advantage.