Head of Lending Operations at Winock Limited

Winock is a holdings company incorporated in Nigeria to provide an ecosystem of sustainable services to micro businesses through duly registered and licensed subsidiary companies. We are inspired to provide services to micro businesses because they contribute significantly to economic sustainability and social wealth creation.

We are recruiting to fill the position below:

Job Title: Head of Lending Operations

Location: Abuja (FCT)
Employment Type: Full-time

Job Objectives

• Successful candidates will be responsible for providing leadership to the Winock Lending team on all Credit decisions focusing on micro business financing/ lending.
• The applicant will also supervise and develop staff, make credit and lending decisions, and perform credit monitoring of all loans above a certain threshold.

Job Description

• Define the strategic intent and agenda for the Credit risk operations and Lending operations function.
• Strategically setting guidelines and policy relating to the accurate and timely servicing of loan portfolio, including the proper loan documentation and closing processes and loan servicing.
• Effectively deliver the strategic initiatives on faster TAT.
• Design, implement and monitor a loan & small business lending marketing and business plan, and subsequent achievement to the goals set by the Company.
• Good understanding of Credit Policy and Fraud Process Standards. Understanding of implementation of Credit Decision Engines, Scorecards and tools for credit underwriting.
• Leads the development of the design, management and adherence of key operating controls and levers that improve end to end decisioning efficiency and customer experience
• Ability to identify an acceptable level of lending risk, in line with Winock’s risk appetite statement, and to maximise profit from that transaction.
• Support and demonstrate a risk management culture in line with setvalues
• Proactive identification and escalation of risks and issues related to your role responsibilities & captured as a service request in Ignite.
• Monitor sales and collections KPIs for each branch to ensure that they are being met by the respective managers
• Identify and implement corrective activity where performance gaps exist within budgeted targets.

Key Performance Indicators

Requirements

• Candidates should possess a Bachelor's Degree with at least 7years relevant work experience.
• Candidates should be from a Micro Finance Background.

Application Closing Date
7th October, 2022.