Retail Finance Manager (Credit Operations) at Simba Group Nigeria Limited

Simba Group which started operations in 1988, is a conglomerate having a Pan-Nigeria presence and business interests in some ofthe most dynamic sectors in the economy. The Group is a dominant player in the transportation, powerand IT-enabled service sectors, which are critical to the sustained growth of the Nigerian Economy. The corporate vision of the Group is to provide innovative and quality products along with excellent after-sales service to our customers. The activities of the Group are guided by strong value systems built around Integrity, Innovation, Openness and Consistency.

We are recruiting to fill the position below:

Job Title: Retail Finance Manager (Credit Operations)

Location: Ikeja, Lagos
Employment Type: Full-time

Job Summary

• We are seeking a highly skilled and customer-focused Retail Finance Manager to manage and facilitate financing solutions for our automobile buyers.
• The ideal candidate will oversee credit processes, assess risks, build partnerships with financial institutions, and ensure smooth loan approvals while driving customer satisfaction and vehicle sales.

Key Responsibilities

• Facilitate auto-loan financing options for retail buyers in collaboration with banks, microfinance institutions, and other lending partners.
• Conduct credit risk assessments, credit appraisals, and loan structuring to ensure high-quality loan portfolios.
• Manage and monitor customer loan applications, ensuring timely approval, disbursement, and compliance with internal and regulatory requirements.
• Develop partnerships with financial institutions to expand financing options for customers.
• Implement credit policies, SOPs, and risk management frameworks to minimize defaults and maintain a healthy portfolio.
• Track loan performance, monitor NPL/PAR ratios, and oversee recovery efforts where necessary.
• Support the sales team by designing financing packages that make products more accessible to customers.
• Provide financial advisory support to customers, guiding them on loan products, interest rates, repayment plans, and eligibility requirements.
• Generate reports on loan origination, approval rates, repayment performance, and credit risk exposure for management decision-making.
• Ensure strict compliance with company policies, industry regulations, and lending guidelines.

Qualifications & Experience

• Bachelor’s degree in Finance, Banking, Accounting, Business Administration, or related field (Master’s degree/MBA is a plus).
• Professional certifications in Credit Risk, Banking, or Risk Management (e.g., RIMAN, CIBN) are an added advantage.
• Minimum of 7–10 years’ experience in credit risk management, retail financing, consumer lending, or microfinance.
• Proven track record of loan portfolio management with low non-performing loan (NPL) ratios.
• Strong understanding of credit risk assessment, regulatory compliance, and financial structuring.
• Excellent relationship management skills with banks, MFIs, and other financial partners.
• Strong analytical, negotiation, and problem-solving skills.
• Proficiency in financial software, credit analysis tools, and MS Office Suite.

Key Competencies:

• Credit Risk Assessment & Loan Structuring
• Retail & Consumer Finance
• Regulatory Compliance & Risk Mitigation
• Strategic Partnerships with Financial Institutions
• Loan Recovery & Portfolio Management
• Strong Communication & Customer Advisory Skills.

Application Closing Date
13th October, 2025.

How to Apply
Interested and qualified candidates should:
Click here to apply online