Ongoing Recruitment at Alert Microfinance Bank

Alert Microfinance bank is a leading financial service provider with core mandate of providing affordable, flexible financial and non-financial services to micro-entrepreneurs.

We are recruiting to fill the position below:

Job Position: Loan Marketer (Corporate / Salary Earners)

Job Location: Lagos Island, Lagos
Employment Type: Full-time

Job Description

• Loan officers at Alert Microfinance Bank are responsible for the marketing, evaluation and processing of loans and act as liaison between customers and the organization while helping qualified applicants acquire loans in a timely manner.

Job Responsibilities

• Market loan products and process loan applications for employees in the Public Service Sector (Corporate/Salary Earners).
• Interview loan applicants to determine financial eligibility and feasibility of repayment of loans.
• Determine all applicable ratios and metrics and set up loan payment plans.
• Complete loan contracts and counsel clients on policies and restrictions.
• Opening loan applications Conducting loan analysis by visiting the business and household of clients
• Visiting the business /employer of guarantors and preparing a complete loan assessment according to the bank’s credit procedures.
• Presenting loan proposals to the credit units and informing the client about the decision of the credit units.
• Ensuring punctual repayments of acquired loans from clients, contacting and visiting all parties based on needs
• Ensuring high quality standards of the bank’s credit portfolio.
• Ability to meet and exceed targets while actively working to increasing business portfolio and client’s base.

Key Requirements

• Minimum of B.Sc or its equivalent in Marketing or related field.
• Minimum of 3/5 years Microfinance Banking cognate experience in marketing and disbursement of loans to salary earners.
• Sound Risk Management experience and knowledge of source deduction via Oracle.
• Good knowledge of Lagos Island and Mainland markets
• Ability to disburse loans in large volumes without default to employees in the public sector (civil service workers)
• Experienced in repayment tracking and loan collection without a day default

Skills:

• Detailed and target oriented.
• Excellent team spirit and communications skills.
• Excellent Human Relations and Inter-personal skills.
• Goal oriented.

Salary
Very Attractive

Job Position: Head of Fintech
Job Location: Lagos
Employment Type: Full-time

Job Summary

• Head of Fintech at Alert Microfinance Bank is a critical role and the ideal candidate will be responsible to lead a team of tech-savvy experts, drive and execute the bank digital transformation projects.

Job Description
Digital Transformation Process:

• Drive and execute the bank digital transformation projects.
• Effective and efficient electronic card management for web and mobile payment channels.
• Management of excellent service delivery across the network.
• Development and implementation of operations digitalization
• Foster a lasting and seamless relationship with electronic service providers: NIBSS, Interswitch, etc
• Identify friction points for Fintech and market sales teams in prospecting, pitching, onboarding and growing new business. Set standards for the client experience and work with Client Services, Risk, Operations, Sales and Finance to ensure they are met.
• Lead the development of frameworks and content centrally that can be repeatedly used by market sales teams (Risk management, category prioritization and sales collaterals):
• Work with the Risk team to manage the risk of the portfolio to ensure the integrity of the ecosystem while balancing client needs for speed

Leadership, Planning & Communication:

• Develop strategic and operational plans for Fintech business, leading thought leadership on the value of Fintech to the broader business
• Lead a team of specialists on transactional banking offerings.
• Coordinate the electronics banking business of the company
• Work with the management team to structure their Cluster Fintech sales teams.
• Report and interact with senior management to indicate the status of Fintech deal progress. Bringing a commercial lens to the performance of Fintech in the organization.

Requirements

• Minimum of a B.Sc or HND in a related role.
• Minimum 5 years of Cognate experience as Head of FINTECH is a must.
• Extensive experience in the payments/fintech/banking/telecoms or related technology industry with experience of operating in a Microfinance Bank System
• Strong communication, interpersonal and analytical skills
• Demonstrates ability to identify problems

Skills:

• Software Development. It may seem a somewhat generic point when you compare software development to other more niche skills that are in demand.
• Proficient in Digital Transformation.
• Cybersecurity and blockchain proficiency
• Developments and the drive for Automation.
• Soft skills.

Job Position: Compliance Manager
Job Location: Lagos
Employment Type: Full-time

Summary

• Compliance Manager at Alert Microfinance Bank is a critical role in delivering the organization’s strategic objectives by conducting periodic assessments to evaluate conformance with code of ethics and regulatory bodies, carrying out operational audits to ensure the organization meets operational requirements.

Job Description

• Conducting compliance risk assessments
• Conducting internal reviews and audits
• Conducting operational audits to ensure the organization meets operational requirements
• Advising internal management and business partners on the implementation of compliance programs
• Developing risk management strategies
• Following up on compliance issues that require investigation
• Evaluating compliance systems and ensuring adequate software is in place
• Reporting on compliance
• Conduct periodic assessments to evaluate conformance with code of ethics and regulatory standards (regulatory bodies)
• Dealing and being the point of contact for the regulators (CBN, IFRS etc)
• Conducting regular GAP analysis on new and updated controls and best practices in the Microfinance Industry.

Requirements

• Minimum of B.Sc or HND in Accounts and Finance related role.
• Minimum of 5 years of Cognate experience in Microfinance Indutsry as Compliance Manager is a MUST.
• Chartered membership of a relevant professional association, e.g. ACA, ICAN, ACCA.
• Previous experience in Management and proficient use of accounting software E.g Quickbooks, Peachtree, SAP
• Proficiency in Microsoft Office package, especially Excel and Word
• Strong communication, interpersonal and analytical skills
• Demonstrates ability to identify problems.

Skills:

• Ability to work under pressure, independently and with limited supervision
• Flexibility
• Ability to work in a dynamic environment and to multi-task to meet deadlines
• Promotes team work, contributes towards building team consensus and acts as a team player
• Consistently approach work with energy and a positive, constructive attitude.

Method of Application
Interested and qualified candidates should send their CV to: hr@alertmfb.com.ng using "Loan Marketer - Corporate" as the subject of the mail.

Note: Only qualified candidates will be shortlisted.