Hamilton Lloyd and Associates – Our client is a Financial Technology company. Due to internal expansion, they are looking to fill in the role of:

Job Title: Head of Credit – Operations

Location: Lagos
Reports to: Chief Credit Officer

Job Summary

The Head of Credit, Operations leads the underwriting, collections & recoveries departments of the company and is responsible for the execution of credit strategies and overall performance management and development of the departments.
As a member of the Risk Management team you will also be responsible for influencing the company’s credit risk policy
This position currently supervises 2 Managers and must take ultimate responsibility for the performance of each of those teams. It is expected that this department will grow significantly over the next 2 years.
Job Responsibilities

Leadership and people management – Lead and direct credit strategies and performance targets in support of the company’s strategic objectives
Coach, supervise and direct the activities of direct reports and provide appropriate guidance in the execution of the unit’s agreed work plans and programmes
Conduct periodic performance appraisal sessions with direct reports in line with stipulated career and performance management policies and procedures
Develop, implement and maintain operational processes, systems and practices
Ensure all necessary policies and procedures are in place, and that appropriate monitoring is in effect to guarantee that execution is in line with policy.
Manage operational risk, including its identification, assessment, mitigation and control, loss identification and reporting.
Plan, develop and implement strategy for operational management and development so as to meet agreed organisational performance plans within agreed budgets and timescales.
Participate in the preparation of the annual budget and its updates, financial statements plus the annual audited financial statements.
Generate innovative solutions, which continuously improve the performance of existing resources, processes or services
Any other duty as assigned by management
Person’s Specification

Must be self-motivated and demonstrate a sense of ownership
Must have a metrics-driven and reconciling mind-set
Must have excellent execution skills
Must be innovative and in tune with industry/market developments, ever searching for better ways, effectiveness and efficiency
Must be process driven and constantly looking ways to optimize
Must be capable of excelling and leading others in a dynamic, fast-paced, growing environment with significant regulatory demands and oversight
Possess excellent interpersonal and organizational skills
Must demonstrate exceptional analytical and quantitative skills
Must be able to manage time, prioritize tasks and work under pressure.
Must possess relationship building, negotiation, problem solving and troubleshooting skills
Must demonstrate excellent leadership with the ability to provide clear, direct and authoritative direction to others.
Must have excellent communication skills (both verbal and written).
Desired Skills & Experience Education:

Bachelor’s degree in Business, Finance or another field with a strong quantitative focus. Post-graduate degree in related field or professional qualification preferred.
A minimum of 6 years in progressive leadership roles within banking, financial services and/or fintech. This experience must include a proven track record of managing highly successful teams within a results driven environment.
Key Skills and Competencies:

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