Job Description

Wanted is a Credit Operations Manager

Duties and Responsibilities

The Job Description
1) Business acquisition and overseeing management of branches and agents by ensuring sustained revenues and profitability through constant business development initiatives and setting & tracking of performance targets to all employees under your watch.
2) Harness and retain quality clients with the aim to optimize shareholder returns, minimize credit losses, fraud, and any leakages.
3) New product development and development of existing products to ensure the company remains competitive and relevant in the market.
4) Participate in the credit creation and approval processes before any cash disbursement is done.
5) Conduct market intelligence, i.e., conducting competition analysis and market research and formulation of strategies for sustainability of the business.
6) Perform all financial control mechanisms to ensure sustainability of the company operations, e.g., loss control, working capital management, capital raising, debt servicing, debtors’ collections, creditors control, cost containment (ensure cost effective operational efficiencies), etc.
7) Budgeting and setting targets for the business growth.
8) Ensure effective debt collection, including fully engaging in all court processes at all levels through yourself, debt collectors, consultants, lawyers, and other employees.
9) Management of all resources under your control, i.e., assets and subordinates within your span of control.
10) Holding periodic meetings with branches to discuss business performance and strategies to improve business and total quality management.
11) Compliance with all regulatory requirements affecting the business now and/or in the future.
12) Preparation and consolidation of daily, weekly, bi-weekly, monthly, quarterly, bi-annual, and annual reports), budgets, variance analysis, performance tracking, and remedial work.
13) Devise, monitor, review, and enforce policy and procedures within the company.
14) Preparation, circulation, and presentation of monthly management reports, i.e., Board Credit & Risk and Compliance Committee, Management Committee MANCO, and Executive Committee (EXCO).
15) Preparation, consolidation, and circulation of all full companywide Quarterly Board Packs – Board Credit, Risk & Compliance.
16) Assessing adequacy of internal controls and providing recommendations for improvements.
17) All stakeholder(s) relationship management for the company.
18) Any other duties as may be assigned by management and directors from time to time, which are within your scope of work.