Job Description
--- About the Opportunity A fast-growing financial services platform is seeking an experienced Head of Lending Operations to help build and scale a technology-enabled consumer and payroll lending business. This role is ideal for someone who has previously managed high-volume consumer lending, payroll lending or retail credit operations within a commercial bank, microfinance bank, finance company or fintech. The successful candidate will work closely with executive management, technology and risk teams to design and implement scalable lending operations while engaging with strategic banking partners.
--- Key Responsibilities Design and oversee end-to-end lending operations. Develop operating procedures for consumer and payroll lending. Build loan origination, approval and disbursement workflows. Design operational controls and maker-checker processes.
Oversee repayment operations, payroll deductions and reconciliations. Develop collections and recovery processes. Define portfolio monitoring and operational reporting standards. Coordinate with technology teams on API integrations and automation.
Develop SLAs and operational KPIs. Recruit, train and manage lending operations personnel. Participate in meetings with partner banks and institutional stakeholders. Support implementation of large-scale lending programmes.
--- Ideal Candidate You have previously held senior responsibilities in one or more of the following: Consumer Lending Payroll Lending Retail Lending Loan Operations Credit Administration Lending Operations Branch Operations Portfolio Operations Experience within organisations such as commercial banks, Credit Direct, Rosabon, LAPO, FairMoney, Carbon, Renmoney, Baobab, Accion, Regent MFB, Grooming MFB or similar institutions is highly desirable.
--- Essential Experience 4+ years in consumer or payroll lending. Experience managing operational lending teams. Strong understanding of: Loan origination Credit workflow KYC Disbursement Collections Recoveries Portfolio monitoring Operational controls Experience working with technology-enabled lending platforms. Strong leadership and process design skills. Ability to engage with senior banking executives and credit teams.
--- Highly Desirable Experience implementing payroll lending programmes. Experience with Remita, NIBSS, IPPIS or similar payroll/payment systems. Experience supporting lending technology implementations or API integrations. Experience scaling lending portfolios. Experience presenting to Credit, Risk or Executive Committees.
--- What Success Looks Like Within the first 90 days, you will: Develop a scalable lending operating model. Establish operational policies and procedures. Build reporting and control frameworks. Support strategic banking engagements. Prepare the business for large-scale consumer lending rollout.
Pay: ₦200,000.00 - ₦500,000.00 per month
Work Location: Hybrid remote in Abuja
