Head of Credit

About This Role A confidential Tier-2 Microfinance Bank in Ikere, Ekiti State is seeking an experienced Head of Credit to lead its Credit Division. The role oversees the credit lifecycle, portfolio quality, risk management, regulatory compliance and sustainable loan growth. Key Responsibilities

Develop and implement credit policies and underwriting standards. Oversee loan portfolio quality and maintain non-performing loans within regulatory limits. Evaluate and approve credit requests for MSME, retail and group-lending clients. Identify and mitigate credit risks across loan products. Lead loan recovery and delinquency management activities. Collaborate on market-relevant loan product development. Ensure compliance with CBN, NDIC and internal credit governance frameworks. Supervise and mentor credit analysts, loan officers and recovery teams. Prepare portfolio and credit-risk reports for management and board committees.

Requirements

Bachelor's degree in Banking and Finance, Accounting, Economics, Agricultural Economics or a related field. Master's degree is an added advantage. At least 5 years of relevant financial-services experience, including 2 years in a supervisory or managerial credit role. MCIB/MCP certification is mandatory. ACIB, ACA or ACCA certification is an advantage. Expertise in MSME lending, credit analysis, loan recovery and core-banking software. Knowledge of the Ekiti business environment and agricultural value chains. Strong analytical, leadership, negotiation and decision-making skills.

Remuneration is attractive and performance-based. <