Fresh Jobs at Credit Direct Limited

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 looking for a dedicated and detail-oriented Sales Support Associate to join our Digital Business Unit. In this role, you will be a crucial part of the digital sales team, providing essential support to ensure seamless operations and exceptional customer service. If you are an organized individual with a customer-centric mindset, passionate about contributing to the success of a digital sales unit, we invite you to apply and be a key player in our innovative and dynamic organization.

Job Responsibilities

• Engage with digital customers through various channels, including chat, email, and online platforms, providing information and support.
• Assist customers in navigating digital processes and addressing inquiries related to online applications.
• Collaborate with the digital sales team to facilitate the online application process, ensuring accuracy and completeness.
• Provide support in processing digital sales transactions and maintaining records.
• Enter customer information and sales data accurately into digital systems.
• Ensure the integrity and completeness of digital customer records and transaction details.
• Support the digital order processing workflow, including verifying information, confirming details, and coordinating with relevant teams for order fulfillment.
• Ensure timely and accurate processing of online customer orders.
• Organize and maintain digital files and documentation related to online sales transactions.
• Follow digital documentation and filing procedures to ensure data security and accessibility.
• Act as a liaison between digital customers and the sales team, ensuring effective communication and resolution of digital inquiries.
• Facilitate communication between internal teams to address digital customer needs.
• Generate and compile reports specific to digital sales activities, providing insights and updates to the digital sales team.
• Assist in tracking digital sales performance and identifying areas for improvement.

JOB EXPERIENCE

Experience:

• Previous experience in a customer service or sales support role, preferably within a digital business unit, is an advantage.
• Entry-level candidates with a strong interest in digital sales support are encouraged to apply.

Required Knowledge, Skills & Competencies:

• Strong digital literacy and familiarity with online communication tools.
• Customer-centric mindset with excellent interpersonal skills.
• Detail-oriented with strong organizational and multitasking abilities.
• Proficient in data entry and use of basic office software (e.g., Microsoft Office).
• Effective communication skills, both verbal and written.

Person Specification:

• Proactive and self-motivated with a positive attitude towards digital sales support.
• Ability to work collaboratively in a fast-paced digital team environment.
• Eagerness to learn and adapt to digital processes and technologies.
• Adaptable to changing priorities and responsibilities within the digital business unit.
• Commitment to maintaining a high level of professionalism in digital customer interactions.

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JOB SUMMARY

We are seeking an experienced Operations Officer with a background in fintech to join our team. As an Operations Officer, you will play a critical role in ensuring the efficient and seamless functioning of operational processes. If you are a detail-oriented and solutions-driven professional with hands-on experience in operations, we invite you to apply and contribute to the continued success of Credit Direct Limited.

Job Responsibilities

• Work collaboratively within the operations team to support day-to-day operational activities.
• Contribute to the implementation of operational processes and procedures.
• Execute operational processes in accordance with established standards and guidelines.
• Collaborate with team members to ensure seamless and accurate execution of our operations.
• Collaborate with cross-functional teams to address operational challenges and find effective solutions.
• Actively contribute ideas and suggestions for improving operational efficiency.
• Assist in the collection and management of data related to operations.
• Ensure data accuracy and integrity to support reliable operational reporting.
• Participate in quality assurance activities to verify the accuracy and completeness of operations.
• Assist in conducting regular audits and reviews to maintain operational quality standards.
• Coordinate with team members to ensure smooth collaboration and communication within the operations team.
• Contribute to a positive team culture and a collaborative work environment.
• Support the integration of systems and technologies in collaboration with the technology team.
• Provide insights on operational aspects to enhance system efficiency.

JOB EXPERIENCE

Experience:

• Minimum of 2-3 years of experience in operations, with exposure to fintech industry.
• Previous experience working in a collaborative team environment is an advantage. 

Required Knowledge, Skills & Competencies:

• Basic understanding of operations, technologies, and industry trends.
• Strong attention to detail and organizational skills.
• Ability to work effectively within a team setting.
• Familiarity with using fintech tools and platforms.

Person Specification:

• Enthusiastic and eager to learn about fintech operations.
• Collaborative mindset with strong interpersonal skills.
• Adaptable to changing priorities and responsibilities.
• Proactive and self-motivated to contribute to team success.
• Effective communication skills.

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JOB SUMMARY

Define, implement and monitor strategies, policies, processes and procedure around debt management that must be followed, and ensure that the recovery plans throughout the organization are effective and efficient in identifying and managing toxic assets.

JOB DESCRIPTION

Collections 

• Ensure team members meet collection goals, comply with company standards and relevant laws in the discharge of their duties. 
• Supervise and coordinate activities of the team engaged in collecting overdue payments. 
• Review delinquent account records to determine which customers/employers must be contacted for collection of overdue accounts.
• Organize collection work load according to degree and amount of delinquency and assign accounts to workers for collection.
• Design and approve correspondences for use in collection attempts. 
• Authorize or refer accounts to Recovery and Fraud and Investigations team for further actions. o Assist subordinates with collection activities in difficult cases. 
• Review and use independent discretion, within granted authority, to approve recovery requests, and field visit requests. 
• Research and respond to team members’ issues, complaints and escalated calls. 
• Establish and maintain client relationships (internal and external) providing world class service for every transaction and interaction. 
• Design develop and oversee strategies to address and prevent past due account balances through proactive interaction with customers/employers. 
• Recommend changes in the credit policy to senior management. 
• Ensure accurate customer records through proper account reconciliations, payment application, recording of adjustments (write-offs, credit memos, etc.), name changes, email address changes, etc. 
• Partner with various functions within the company to help understand the collections process. o Manage external recovery agents. 

Debt Management 

• Define and implement recovery plan/framework for the company to prevent bad debts and portfolio quality. 
• Secure efficient and timely follow up functions. Assure that no account is written off due to lack of follow up or neglect. 
• Review and analyse account receivable and variance reports. Periodically review and report the status of accounts receivable to the Head, BoRM. 
• Maintain professional relationships with other department to coordinate and resolve knotty accounts, collections and customer experience-related issues. 
• Generate and evaluates daily, weekly and monthly reports for the recovery staff and for financial and managerial audit. 
• Monitor processes generally and team members specifically to assure that recovery is correct and timely. 
• Ensure timely follow up and resolution of accounts receivable balances. 
• Approve write offs and authorize adjustments within the limits set for this position by policy. 3. Strategy, Management & Business Continuity 
• Develop and manage the budget for the department. 
• Provide/present formal report of activities and achievements of the department monthly to the Divisional Head, BoRM. 
• Participate in internal meetings or committees to provide advice on sales data. 
• Establish a system of knowledge management to capture, store and transfer and retrieve work done within the department for posterity and business continuity. 
• Support the preparation for and response to audits and ensure that any audit findings are appropriately responded to and remediated. 

JOB EXPERIENCE

Functional Competencies:

• Bachelor’s degree in a related field.
• Advance knowledge of Microsoft word, Excel, Access and PowerPoint, SQL, PowerBi
• Critical Thinking, Problem Solving and Analytical Skills
• Performance Management
• Creativity
• Attention to details
• Knowledge of loan Monitoring & Remedial Management
• Clear understanding of portfolio risks related to vintage and delinquency Trends.
• Adept at working  across  matrix Organizations. 

Person Specification:

• Adaptable and able to thrive in a dynamic work environment.
• Commitment to upholding and promoting the company's DNAs.
• Empathetic approach to understanding and addressing the needs of both internal and external stakeholders.
• Execution-oriented with the ability to deliver results under pressure.

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JOB SUMMARY

We are seeking for an experienced individual that is passionate about driving growth within the Nigeria market. A high-performing Growth Manager to help us meet our customer acquisition and revenue growth targets by keeping our company competitive and innovative. You will be responsible for maximizing our sales team potential, crafting sales plans, and justifying those to plans to the line manager. The role is responsible for developing and implementing sales, marketing, financial and structural strategies within assigned territory in the asset finance or business loan market. Partner engagement and excellent team management is a critical success factor for this role. In addition, effective communication on sales goals and expectations as well as gathering relevant information through market research. The role requires a close working relationship with the Head of Digital Business and other department comprising of customer service, collections, operations, and finance team. Be an integral part of a team that is passionate about building the number one non-bank lending platform in Nigeria and other parts of Africa.

Job Responsibilities

• Establish sales objectives by projecting expected sales volume and forecasting and developing sales quotas for territories and the region
• Achieving growth and hitting sales targets by successfully managing the sales team
• Designing and implementing a strategic sales plan that expands company’s customer base and ensure its strong presence
• Managing recruiting, objectives setting, coaching and performance monitoring of sales representatives
• Build and promote strong, long-lasting customer relationships by partnering with them and understanding their needs
• Present sales, revenue and expenses reports and realistic forecasts to your line manager.
• Identify emerging markets and market shifts while being fully aware of new products and competition status
• Tracking and analyzing sales statistics based on key quantitative metrics
• Making data-informed decisions to drive performance and resource allocation
• Setting sales quotas and goals
• Overseeing and directing performance of the sales team
• Identifying emerging markets to find new sales opportunities
• Defining and executing territory sales plans
• Coordinating with marketing on lead generation.

JOB EXPERIENCE

Required Skills:

• Strong organizational skills
• Excellent analytical skills
• Creative problem-solving skills
• Sales planning and coaching
• Excellent communication skills
• Negotiation
• Budget development and Profitability management
• Effective time management

Job Requirement

• BSc or its equivalent in Business, or a related field
• +4 years proven experience in sales, business development, partnership, and growth
• At least 3 years in sales leadership.
• High sense of responsibility, accountability, integrity, and ethical standards. 
• Ability to manage multiple priorities and meet set deadlines.
• Excellent interpersonal, communication and presentation
• Achieve business goals with minimal supervision
• Proven ability to drive the sales process from plan to close
• Experience in planning and implementing sales strategies.
• Strong business sense and industry expertise
• Excellent mentoring, coaching and people management skills

Person Specification

• Results-oriented and pragmatic with exceptional quantitative and analytical ability, in addition to clear attention to detail
• Driven, independent thinker that juggle multiple tasks simultaneously within fast-changing priorities environment.
• 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.

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JOB SUMMARY

The position involves overseeing legal functions such as drafting and reviewing documents, providing advisory support on various legal topics, conducting research, managing litigation cases, resolving customer complaints, and coordinating legal document execution, while also handling compliance responsibilities by developing, implementing, and monitoring compliance programs, policies, and controls in alignment with CBN regulations, and evaluating internal processes to mitigate risks.

JOB DESCRIPTION

Responsibilities

The Legal and Compliance Officer will provide comprehensive support to the Department, as well as other business units within the company where necessary, across the following functions: 

Legal 

• Drafting and review of legal documents including but not limited to agreements, letters and legal opinions, as well as provision of sound and instructional inputs that will guide contractual reviews and negotiations.
• Provision of timely advisory support across a variety of legal topics, including but not limited to labour law, contractual compliance and regulatory provisions.
• Conducting legal and non-legal research and providing analytical feedback upon which advice will be proffered to the requesting officer/team.
• Appropriately advice external counsel to either institute or defend new litigation cases on behalf of the company and ensure proper follow up on such cases.
• Work with relevant teams within the business’s operations to appropriately resolve and manage customer complaints which are adversarial in nature. 
• Oversee and coordinate the execution and delivery of all legal documents.
• Attendance of relevant meetings and documentation of minutes. 

Compliance

• Develop, review, update and implement compliance programmes, policies and controls in line with relevant CBN regulations.
• Monitor the company’s activities to identify any potential regulatory infractions and proffer viable resolution measures. Also, evaluate internal processes, systems, and operations to uncover any vulnerabilities and develop strategies to mitigate risks.
• Monitor regulatory changes by staying up to date with changes in laws, regulations, and industry standards to ensure that the company remains compliant. Additionally, maintain liaisons with external regulatory bodies and stakeholders to ensure maintenance of open lines of communication.
• Conduct investigations into allegations of fraud and forgeries within or against the company by staff and/or external parties. This will involve gathering of evidence, interviewing employees, and recommending appropriate actions to address the issues.
• Prompt preparation and submission of regulatory and statutory reports to requisite regulatory authorities including CBN and NFIU, as well as the Company’s Group Internal Audit (GIA). 
• Reporting and documentation of records of compliance activities, including incident reports, audits, and remedial actions. Also, prepare and submit reports to management and regulatory bodies as required.
• Facilitate trainings and awareness programmes across divisions and departments to educate staff members about their respective responsibilities and promote a culture of compliance.
• Other general administrative duties and responsibilities as assigned by the Head of the Department.

JOB EXPERIENCE

Qualifications and Skills

• LL.B qualification and admitted to the Nigerian Bar.
• Minimum of 5 years post-call work experience with a bank or finance company with adequate industry knowledge of relevant CBN regulations, AML/CFT policies, etc.
• Exceptional oral and written communication skills.
• Excellent analytical, critical thinking and communication skills.
• Candidate must also possess problem-solving skills, show ability to take initiative and pay attention to details .