Job Openings at Credit Direct Limited

JOB SUMMARY

The roles and responsibilities of Node.js developers include designing and developing high-performing applications with the help of the Node.js runtime environment. They create fast, robust, scalable, high-performance web applications using different JavaScript frameworks.

JOB DESCRIPTION

• Work on building the back-end applications that power web and mobile applications.
• Developing and implementing complex Node.js applications to the cloud infrastructure.
• Designing and maintaining scalable and efficient APIs and integrating third-party APIs into Node.js applications.
• Write an efficient, transparent, and well-documented code that meets industry regulations and standards.
• Work collaboratively with designers, stakeholders, and product owners to define, design, and implement new features in existing software solutions.
• Participate in performance optimization and tuning of existing Node.js applications by reviewing software code and providing constructive feedback for improvement.
• Collaborate with other developers to design and implement new features and functionality.
• Troubleshoot and resolve technical issues.
• Learn and apply new technologies and programming techniques.
• Contribute to the development of software development best practices and standards.
• Write well-designed, testable code.
• Conducting software analysis, programming, testing, and debugging.
• Designing and developing high-volume, low-latency applications for mission-critical systems and delivering high availability and performance.
• Contributing in all phases of the development lifecycle.
• Writing well-designed, testable, efficient code.

JOB EXPERIENCE

• Experience working with cloud-based infrastructure, such as AWS or Azure.
• Familiarity with front-end development frameworks, such as React.js or AngularJS.
• Working knowledge of test-driven development (TDD).
• Demonstrable experience in web application development with expertise in Node.js.
• Proficiency with front-end technologies like CSS, HTML and JavaScript.
• Knowledge of database technologies and agile development methodologies.
• Experience working with databases, such as MySQL or MongoDB.
• Understanding of microservices architecture and DevOps principles.
• Excellent problem-solving and management skills.
• Experience in handling external and embedded databases.
• Understanding basic design principles behind a scalable application
• Skilled at creating database schemas that characterize and support business processes
• In-depth knowledge of code versioning tools, for instance, Git.

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JOB SUMMARY

Implement all guidelines, processes and procedures to facilitate efficient underwriting norms to improves portfolio quality and customer experience.

Job Responsibilities:

Credit Underwriting

• Implement the operational systems, policies, and processes in support of business objectives or customer needs as may be communicated from time to time.
• Adhere strictly to company underwriting policies and procedures and growth, quality and profit objectives through the loan approval process. 
• Analyse pertinent financial and credit data and makes final credit decisions (approval or declination) within signing authority. Recommends to higher level of authority as appropriate. 
• Provide guidance to line officers as applicable on identification and management of fraudulent loans. 
• Assist in the development and implementation of risk frameworks to mitigate fraud using customer data.

People Management 

• Provide direction and clarify responsibilities for team members. 
• Communicate effectively with team members and ensure that they are accurately and promptly informed as required. 
• Ensure team cohesiveness and effectiveness within the department. Ensure a seamless handshake with the processes and teams of other departments. 
• Provide support necessary to achieve high employee engagement within the department.
• Conduct training classes on new or updated operational procedures. 
• Plan, support, evaluate the performance of members of the division. 
• Provide development support and equip team members with the knowledge and skills required to perform their job effectively.

Desired Experience/Knowledge

• At least 2 years’ experience in a similar role within the financial services industry. 
• Bank operations or risk management will be an added advantage 
• Knowledge of operational principles and practices, regulatory environment and policies

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JOB SUMMARY

The roles and responsibilities of Node.js developers include designing and developing high-performing applications with the help of the Node.js runtime environment. They create fast, robust, scalable, high-performance web applications using different JavaScript frameworks.

JOB DESCRIPTION

• Work on building the back-end applications that power web and mobile applications.
• Developing and implementing complex Node.js applications to the cloud infrastructure.
• Designing and maintaining scalable and efficient APIs and integrating third-party APIs into Node.js applications.
• Write an efficient, transparent, and well-documented code that meets industry regulations and standards.
• Work collaboratively with designers, stakeholders, and product owners to define, design, and implement new features in existing software solutions.
• Participate in performance optimization and tuning of existing Node.js applications by reviewing software code and providing constructive feedback for improvement.
• Collaborate with other developers to design and implement new features and functionality.
• Troubleshoot and resolve technical issues.
• Learn and apply new technologies and programming techniques.
• Contribute to the development of software development best practices and standards.
• Write well-designed, testable code.
• Conducting software analysis, programming, testing, and debugging.
• Designing and developing high-volume, low-latency applications for mission-critical systems and delivering high availability and performance.
• Contributing in all phases of the development lifecycle.
• Writing well-designed, testable, efficient code.

JOB EXPERIENCE

• Experience working with cloud-based infrastructure, such as AWS or Azure.
• Familiarity with front-end development frameworks, such as React.js or AngularJS.
• Working knowledge of test-driven development (TDD).
• Demonstrable experience in web application development with expertise in Node.js.
• Proficiency with front-end technologies like CSS, HTML and JavaScript.
• Knowledge of database technologies and agile development methodologies.
• Experience working with databases, such as MySQL or MongoDB.
• Understanding of microservices architecture and DevOps principles.
• Excellent problem-solving and management skills.
• Experience in handling external and embedded databases.
• Understanding basic design principles behind a scalable application
• Skilled at creating database schemas that characterize and support business processes
• In-depth knowledge of code versioning tools, for instance, Git.

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JOB SUMMARY

We are looking for an experienced Application Support Analyst who will be responsible for providing technical support and maintenance for our various applications, databases, web, and mobile platforms. The ideal candidate will have a strong understanding of application support, database administration, web servers, and possess intermediate skills in SQL, MSSQL, MySQL, as well as familiarity with .NET and Spring Boot frameworks.

JOB DESCRIPTION

Application Support:

• Provide technical support for a range of applications, resolving issues promptly to ensure minimal disruption to business operations.
• Troubleshoot and debug application problems, identifying root causes and implementing effective solutions.
• Collaborate with development teams to deploy application updates and enhancements.

Database Support:

• Manage and maintain MSSQL and MySQL databases, ensuring optimal performance, security, and reliability.
• Perform routine database maintenance tasks such as backups, restores, and performance tuning.
• Monitor database activity and proactively identify and resolve issues.

Web and Mobile Application Support:

• Support web and mobile applications, including installation, configuration, and troubleshooting.
• Collaborate with development teams to ensure seamless integration and deployment of web and mobile applications.
• Provide technical guidance and support to end-users on web and mobile application usage.

Knowledge of Web Servers:

• Administer and configure web servers such as Tomcat and IIS to ensure optimal performance and availability.
• Monitor web server activity and troubleshoot issues as they arise.
• Implement security measures and best practices to protect web server environments.

Intermediate Skill in SQL and Database Administration:

• Write and optimize SQL queries to extract, manipulate, and analyze data.
• Assist with database administration tasks, including schema design, indexing, and data migration.
• Perform data analysis and generate reports to support business needs.

.NET and Spring Boot Framework Knowledge:

• Familiarity with .NET and Spring Boot frameworks for application development and support.
• Ability to troubleshoot and support applications developed using .NET and Spring Boot.

Java and Deployment of Java and .NET Applications:

• Proficiency in Java programming language and ability to deploy Java applications.
• Experience in deploying and supporting .NET applications in various environments.

Knowledge of Fineract Lending Application:

• Familiarity with Fineract lending application or similar financial software preferred.
• Provide support and maintenance for Fineract lending application as needed.

JOB EXPERIENCE

• Bachelor's degree in Computer Science, Information Technology, or related field.
• Minimum of 3 years proven experience in application support, database administration, and web/mobile application support.
• Strong understanding of web servers such as Tomcat and IIS.
• Intermediate skills in SQL, MSSQL, and MySQL database administration.
• Experience with .NET and Spring Boot frameworks.
• Proficiency in Java programming language.
• Excellent problem-solving skills and ability to work well under pressure.
• Strong communication and interpersonal skills, with the ability to collaborate effectively with cross-functional teams.
• Attention to detail and commitment to delivering high-quality solutions.

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JOB SUMMARY

• In this role, you will be responsible for ensuring the quality of software products by testing them for functionality, reliability, and performance.

JOB DESCRIPTION

• Significantly contribute to quality testing, maintenance, and deliverables associated with the organization’s information technology initiative.
• Contribute to the quality assurance process for software development projects.
• Support continuous quality improvement to ensure the delivery of the best possible IT products and services.
• Validate systems, products or services against user experience goals, metrics and targets.
• Collaborate with developers, project managers, product managers, and other stakeholders to ensure that the software/product quality meets requirements and specifications.
• Identify and track quality assurance metrics, such as defects and test coverage.

JOB EXPERIENCE

• Bachelor's degree in Computer Science or a related field.
• 2+ years of experience as a QA engineer.
• Possess adequate knowledge and experience with information technology testing applications.
• Practical experience analyzing data and translating the outcome to actions.
• Good understanding of software development processes and testing methodologies.

Experience:

• Support complex, multi-disciplinary quality assurance technical projects using engineering expertise.
• Performing deep dive technical solution analysis and design aligning to the overall quality assurance engineering strategy.
• Collaborate with other functional teams on aspects of the feature or sub-system.
• Work with the team to develop and refine test cases for new products/features to ensure adequate test coverage.
• Adequate understanding of all QA cycle, such test plan creation, test case creation and execution and reporting are a must.
• Understanding of software testing lifecycles, in either agile or Waterfall environments.
• Detailed understanding of all phases of the Software Development Lifecycle (SDLC), including Agile and Waterfall is required.

Required Knowledge, Skills & Competencies:

• Adequate knowledge and understanding of automated testing.
• Adequate knowledge of Load and Performance testing tools: (JMeter, Cypress, Soasta cloud test)
• Basic application and usage of API testing tools: (Post man, swagger, soapui, Apiary)
• Adequate application and usage of Unit testing tools: (Junit,NUnit, PHPUnit, SonarQube, Code coverage).
• Adequate application and usage of Test Management tools: (Mantis bug tracker, TestCollab, IBM Rational Quality manager, Jira).
• Adequate application and usage of Functional testing tools: (Selenium, Cucumber).
• Adequate application and usage of Multi-device testing tools: (DeviceAnywhere, Amazon device farm, Device emulators).

Person Specification:

• Have strong communication and interpersonal skills.
• Experience with testing tools and techniques, and be able to communicate effectively with both technical and non-technical stakeholders.
• Possess keen analytical and problem solving skills.
• Show critical thinking with great attention to details.
• Good understanding of software development processes and methodologies.

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JOB SUMMARY

In this role, you will be responsible for ensuring the quality of software products by testing them for functionality, reliability, and performance.

JOB DESCRIPTION

• Significantly contribute to quality testing, maintenance, and deliverables associated with the organization’s information technology initiative.
• Contribute to the quality assurance process for software development projects.
• Support continuous quality improvement to ensure the delivery of the best possible IT products and services.
• Validate systems, products or services against user experience goals, metrics and targets.
• Collaborate with developers, project managers, product managers, and other stakeholders to ensure that the software/product quality meets requirements and specifications.
• Identify and track quality assurance metrics, such as defects and test coverage.

JOB EXPERIENCE

• Bachelor's degree in Computer Science or a related field.
• 2+ years of experience as a QA engineer.
• Possess adequate knowledge and experience with information technology testing applications.
• Practical experience analyzing data and translating the outcome to actions.
• Good understanding of software development processes and testing methodologies.

Experience:

• Support complex, multi-disciplinary quality assurance technical projects using engineering expertise.
• Performing deep dive technical solution analysis and design aligning to the overall quality assurance engineering strategy.
• Collaborate with other functional teams on aspects of the feature or sub-system.
• Work with the team to develop and refine test cases for new products/features to ensure adequate test coverage.
• Adequate understanding of all QA cycle, such test plan creation, test case creation and execution and reporting are a must.
• Understanding of software testing lifecycles, in either agile or Waterfall environments.
• Detailed understanding of all phases of the Software Development Lifecycle (SDLC), including Agile and Waterfall is required.

Required Knowledge, Skills & Competencies:

• Adequate knowledge and understanding of automated testing.
• Adequate knowledge of Load and Performance testing tools: (JMeter, Cypress, Soasta cloud test)
• Basic application and usage of API testing tools: (Post man, swagger, soapui, Apiary)
• Adequate application and usage of Unit testing tools: (Junit,NUnit, PHPUnit, SonarQube, Code coverage).
• Adequate application and usage of Test Management tools: (Mantis bug tracker, TestCollab, IBM Rational Quality manager, Jira).
• Adequate application and usage of Functional testing tools: (Selenium, Cucumber).
• Adequate application and usage of Multi-device testing tools: (DeviceAnywhere, Amazon device farm, Device emulators).

Person Specification:

• Have strong communication and interpersonal skills.
• Experience with testing tools and techniques, and be able to communicate effectively with both technical and non-technical stakeholders.
• Possess keen analytical and problem solving skills.
• Show critical thinking with great attention to details.
• Good understanding of software development processes and methodologies.

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JOB SUMMARY

As a Flutter Developer, you will play a key role in the design, development, and maintenance of our mobile applications, with a primary focus on the Flutter framework. Your work will directly contribute to enhancing the user experience and functionality of all our mobile products. The ideal candidate should have a deep understanding of software engineering, flutter framework, project management, and team leadership skills.

JOB DESCRIPTION

• Ensure the team adheres to coding standards, best practices, and quality guidelines.
• Mobile App Development
• Design and implement high-performance, reliable, and scalable mobile applications using Flutter.
• Collaborate with cross-functional teams to define, design, and ship new features.
• Maintain Code Quality and Standardization
• Write clean, maintainable, and efficient code.
• Conduct code reviews to ensure code quality and adherence to best practices.
• Debug and resolve software defects and issues promptly.
• UI/UX Design Integration. Also, collaborate effectively with UI/UX designers to implement visually appealing and intuitive user interfaces.
• Ensure seamless integration of design elements into the application.
• Integrate with backend services, APIs, and third-party libraries to support application functionality.
• Collaborate with backend developers to ensure smooth communication between the frontend and backend systems.
• Performance and Code Optimization
• Identify and address performance bottlenecks and optimize application performance.
• Stay updated on the latest Flutter and mobile development, latest technology trends, software development practices, and tools.
• Write unit tests to ensure the reliability and robustness of the code.
• Create and maintain comprehensive technical documentation for code, processes, and configurations.

JOB EXPERIENCE

• 3-5 years of experience developing mobile applications using Flutter frameworks.
• Strong knowledge of Dart programming language and Flutter framework.
• Experience with mobile app development best practices, design patterns, and architecture.
• Familiarity with RESTful APIs, JSON, and backend integration.
• Proficient understanding of code versioning tools, such as Git.
• Experienced in backend API integrations.
• Experience in Computer architecture.
• Knowledge of software development best practices, including agile methodologies and continuous integration/continuous delivery (CI/CD) pipelines.
• Familiarity with Agile/Scrum methodologies and project management principles.
• Strong problem-solving skills and the ability to work collaboratively in a team environment.
• Excellent communication skills and the ability to articulate technical concepts to non-technical stakeholders.

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JOB SUMMARY

In this role, you will be responsible for developing -based applications. This includes anything between complex groups of back-end service and web services using mvc framework. Your primary responsibility will be to design and develop these applications, and to coordinate with the rest of the team working on different layers of the infrastructure. Thus, a commitment to collaborative problem solving, sophisticated design, and product quality is essential.

JOB DESCRIPTION

• Write, test, manage and debug .net code for applications.
• Collaborate with other developers to design and implement new features and functionality.
• Troubleshoot and resolve technical issues.
• Learn and apply new technologies and programming techniques.
• Contribute to the development of software development best practices and standards.
• Write well designed, testable code.
• Conducting software analysis, programming, testing, and debugging.
• Designing and developing high-volume, low-latency applications for mission-critical systems and delivering high-availability and performance.
• Contributing in all phases of the development lifecycle.
• Writing well designed, testable, efficient code.

JOB EXPERIENCE

• 1-3 years of experience developing apps, webservices, middleware using .net/mvc frameworks.
• Experience in database management.
• Experience in Computer architecture.
• Previous experience working at a Startup or fintech or enterprise environment.
• Able to work with minimal supervision.

Experience:

• Proficiency in .net, with a good understanding of its ecosystems
• Sound knowledge of Object-Oriented Programming (OOP) Patterns and Concepts
• Familiarity with different design and architectural patterns
• Skill for writing reusable C# libraries.
• Knowhow of C# concurrency patterns.
• Basic Understanding of the concepts of MVC (Model-View-Controller) Pattern and RESTful web services
• Relevant Knowledge of .net/mvc frameworks.
• Ability to write clean, readable C# code
• Basic knowhow of class loading mechanism in .net
• Experience in handling external and embedded databases
• Understanding basic design principles behind a scalable application
• Skilled at creating database schemas that characterize and support business processes
• In-depth knowledge of code versioning tools, for instance, Git.

Required Knowledge, Skills & Competencies:

• Web frameworks like Struts and Spring
• Service-oriented architecture
• Web Technologies like HTML, JavaScript, CSS, JQuery
• Markup Languages such as XML, JSON
• Abstract classes and interfaces
• Constructors, lists, maps, sets
• File IO and serialization
• Exceptions
• Generics
• Multithreading and Synchronization

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JOB SUMMARY

We are seeking a dynamic and analytical Risk Intelligence Officer to join our risk management team. This role is instrumental in identifying, assessing, and mitigating risks across various aspects of our operations. If you have a keen eye for detail, a strong analytical mindset, and a passion for contributing to effective risk management strategies, we invite you to apply and be a key player in safeguarding the integrity of Credit Direct Limited.

Job Responsibilities

• Conduct comprehensive risk assessments to identify potential risks and vulnerabilities within the organization.
• Analyze data and trends to assess the impact of risks on business operations.
• Utilize various sources to gather relevant intelligence on emerging risks, industry trends, and regulatory changes.
• Stay informed about current events and developments that may impact the company's risk profile.
• Analyze large sets of data to extract meaningful insights related to risk exposure and mitigation strategies.
• Implement statistical models and analytical tools to enhance risk assessment processes.
• Identify and assess internal and external threats that could pose risks to the organization's assets, reputation, or financial stability.
• Collaborate with cross-functional teams to understand potential threats to different business units.
• Prepare and present detailed risk intelligence reports to senior management and relevant stakeholders.
• Maintain accurate and up-to-date documentation of risk assessments and intelligence findings.
• Collaborate with the risk management team to develop and implement effective risk mitigation strategies.
• Provide recommendations for enhancing existing risk management processes.
• Monitor and assess the impact of regulatory changes on the organization's risk landscape.
• Ensure compliance with relevant regulations and guidelines related to risk intelligence.

JOB EXPERIENCE

Experience: 

• Minimum of 2-3 years of experience in risk management, intelligence analysis, or a related field.
• Proven track record in conducting risk assessments and providing actionable intelligence.

Required Knowledge, Skills & Competencies:

• Proficiency in data analysis tools such as Excel, SQL, Python or other statistical analysis software.
• Ability to manipulate and analyze large datasets to extract meaningful insights.
• In-depth understanding of risk management principles and methodologies.
• Strong analytical and critical thinking skills.
• Proficiency in data analysis tools and techniques.
• Knowledge of regulatory frameworks and compliance requirements.

Person Specification:

• Detail-oriented with a strong ability to identify and analyze potential risks.
• Excellent communication and presentation skills.
• Collaborative mindset with the ability to work effectively in cross-functional teams.
• Proactive and self-motivated to stay ahead of emerging risks and trends.
• Commitment to upholding the highest standards of integrity and confidentiality.

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Job Summary:

• We are seeking for an experienced Product Manager that is passionate about building products that customers love.
• The role requires a working with our digital business team comprising of risk, collection, finance, and technology to develop products in line with the business objectives and achieve overall success as measured by market acceptance of the product.
• We need someone that understands who understands what makes a product scalable, usable, and accessible.
• Be an integral part of a team that is passionate about building the number one non-bank led lending solution in Nigeria and other parts of Africa.

Job Responsibilities:

• Collaborate with the head of digital business to design and implement product development plans.
• Conduct market research on product competitors, new technology that can be adopted, priority markets, priority segments, and relevant industry trends.
• Design and document product strategy with the head of digital business.
• Create buy in for product vision with internal and external partners or stakeholders.
• Collate product requirements, write, and document user stories. Translate product strategy into detailed prototypes.
• Polling customers to assess a product's need and viability. Identifying and defining the target customer's needs and using this information to develop relevant products
• Scope and prioritize activities based on business and customer impact
• Own the product lifecycle
• Responsible for mapping and documenting the customer journey and liaising with key stakeholders to approve the product document.
• Manage the product development project. Lead and monitor delivery of project milestones for assigned products.
• Track progress across the entire product lifecycle and report status using an online monitoring tool.
• Conduct and document user acceptance test and provide relevant insights for business decision.
• Responsible for writing technical requirements and working with technology team to achieve product development objectives
• Work closely with the UX team to brainstorm and provide feedback about user flows.
• Collaborate with marketing lead to design a plan targeted at achieving and scaling product adoption. Evaluate promotional plans to ensure that they are consistent with product strategy and that the message is effectively conveyed.
• Collaborate with customer service and sales team to get relevant market insight for continuous product improvement.
• Act as a product evangelist to build awareness and understanding

Job Requirement:

• BSc/BA in Business, Project Management, Computer Science, or a related field
• Professional Certification such as PMI-ACP, CSPO is required but not compulsory
• +3 years proven experience as a product manager, associate product manager in Fintech/Financial services or other tech related sectors.
• Familiarity with design systems and tools such as Figma. In addition to some workflow tools.
• Demonstrate expert understanding of Product conceptualization, Product design, and Product development and management.
• Solid track record in implementation and completion of project. In addition to achieving success in product market fit.
• Strong problem-solving skills and willingness to roll up one’s sleeves to get the job
• Excellent written and verbal communication, influencing and negotiation skills

Person Specification:

• Results-orientated and pragmatic with exceptional quantitative and analytical ability and attention to detail
• Driven, independent thinker and leader who can juggle multiple projects simultaneously with fast-changing priorities
• High level of integrity and dependability with a strong sense of urgency.
• A focus on execution. Willing and able to get hands dirty.
• Flexibility to roll up your sleeves and attack problems and projects as they arise, where you will need to set out a clear structure, method and outcomes yourself
• Ability to create effective working partnerships with senior leaders, challenge the thinking of others in respectful and thoughtful ways, influence upwards.
• Big picture thinker, a “never settle’ mindset.