Credit & Marketing Officer at HR-Aid Consults

HR-Aid Consults, a start-up consulting firm, is recruiting suitably qualified candidates to fill the position below:

Job Title: Credit & Marketing Officer

Location: Victoria Island, Lagos
Employment Type: Full-time
Reports To: Head, Credit & Marketing / Business Development / Chief Operating Officer (COO)

Job Summary

• The Credit and Marketing Officer is responsible for driving business growth through effective marketing and credit operations.
• This includes building and managing client relationships, executing credit assessments, growing the company’s loan portfolio, and ensuring excellent customer experience.
• The role is central to increasing revenue through the sale of financial products and managing risk assets in accordance with the company’s policies.

Core Responsibilities
Business Development & Client Engagement:

• Proactively acquire and manage new and existing clients to grow loan and deposit portfolios.
• Conduct business reviews to ensure client satisfaction and loyalty.
• Develop tailored financial solutions based on client needs and business models.
• Prepare and present proposals, marketing pitches, and client onboarding documentation.
• Monitor competitor activities and industry trends to adjust marketing strategies accordingly.

Credit Operations:

• Conduct preliminary credit screening and risk assessments for loan applicants.
• Ensure facility requests meets the company’s target market definition and credit criteria.
• Liaise with internal departments to process credit applications promptly.
• Maintain accurate documentation for all credit transactions in line with policy.

Portfolio and Risk Management:

• Identify early warning signs of potential delinquency and proactively engage clients.
• Implement timely and strategic recovery actions for non-performing accounts.
• Maintain a healthy loan portfolio aligned with risk management frameworks.
• Collaborate with the risk team to ensure policy compliance and loan integrity.

Reporting and Documentation:

• Prepare and submit daily, weekly, and monthly activity reports, including call memos and sales pipelines.
• Maintain up-to-date records on all clients and credit activities for audits and compliance.

Required Knowledge and Skills

• Bachelor's degree in Business Administration, Marketing, Finance, or a related field.
• At least 3 years of experience in financial product sales, credit analysis, or business development.
• Strong knowledge of financial services, credit management, and lending practices.
• Excellent verbal and written communication skills.
• Ability to explain financial concepts to clients in a clear and persuasive manner.
• Proficient in Microsoft Office tools and CRM software.
• Strong numerical, analytical, and research skills.
• Proven track record in meeting sales and revenue targets.

Person Specification:

• Passionate about customer service and client success
• Flexible and adaptable to a fast-paced work environment
• Confident, persuasive, and influential in client engagements
• Meticulous and detail-oriented
• Strong sense of urgency and time management
• Innovative thinker with problem-solving mindset
• High ethical standards and integrity

Salary
N300,000 Monthly.

Application Closing Date
26th June, 2025.

How to Apply
Interested and qualified candidates should send their CV to: talent@hr-aidconsults.com using the Job Title as the subject of the mail.