About this opportunity
Additional notes
About the Role
Micaiah Pro is recruiting on behalf of a client for a Retail Credit Manager to own the full credit lifecycle for its retail and digital lending operations, short-term, app-based consumer loans. This covers origination, underwriting, disbursement, collections and portfolio quality, alongside driving customer acquisition for the lending platform.
What You Will Do
Oversee day-to-day retail credit and digital lending operations across the full loan lifecycle
Manage the retail loan portfolio against growth, quality and profitability targets
Design and refine credit policies and risk-scoring criteria for retail and microloan products
Monitor portfolio health, tracking delinquency, Portfolio-at-Risk and NPL ratios
Drive customer acquisition strategy, working with Marketing on campaigns, digital advertising and referral programmes
Partner with Product and Engineering on automated underwriting algorithms and credit decisioning
Own collections and recovery strategy for delinquent accounts
Ensure compliance with CBN lending guidelines, consumer protection rules and data privacy regulations
Prepare periodic reports on applications, approvals, disbursements and portfolio performance
Identify cross-selling opportunities across the client's other financial products.
What You Bring
First Degree or HND in Finance, Economics, Business Administration or a related field
Minimum 5 years' experience in retail or consumer credit, with digital lending, microfinance or app-based loan product exposure strongly preferred
Solid understanding of credit risk assessment, scoring models and loan portfolio management
Familiarity with CBN regulatory requirements for consumer and digital lending
Strong business development, negotiation and relationship management skills
Strong analytical skills, comfortable with data and reporting tools
Experience with collections and recovery for short-tenor loans
High level of integrity, professionalism and sound commercial judgment.
How You Will Be Measured
Success is tracked against loan portfolio growth, PAR/NPL ratio, loan turnaround time, collections rate, new customer acquisition, underwriting model accuracy, documentation and regulatory compliance, customer satisfaction, and cross-sell conversion. Probation requires at least 80% KPI achievement across all areas.
Salary: competitive, plus Pension, HMO, Allowances and Performance Bonus.
Only shortlisted candidates will be contacted.