Business Manager

Responsibilities:

Sales and Business Development:

• Develop and execute sales strategies to achieve business growth, revenue, customer acquisition, and loan disbursement targets.
• Lead, supervise, and motivate sales teams to achieve individual and departmental targets.
• Identify new business opportunities, potential customers, and strategic partnerships.
• Monitor sales performance and implement strategies to improve productivity and profitability.

Business Operations:

• Oversee daily business operations and ensure effective coordination across sales, credit, and recovery teams.
• Establish and monitor operational processes, policies, and performance standards.
• Identify operational challenges and implement practical solutions to improve efficiency.
• Prepare regular performance reports and provide actionable recommendations to management.

Credit Management:

• Oversee credit appraisal, customer due diligence, loan documentation, and disbursement processes.
• Ensure lending decisions and disbursements comply with company policies and approval limits.
• Monitor loan portfolio quality, repayment trends, and delinquency levels.
• Implement measures to minimise credit risk, reduce defaults, and maintain a healthy loan portfolio.

Loan Recovery:

• Lead and monitor loan recovery and collection activities.
• Develop strategies for recovering overdue and delinquent loans.
• Supervise recovery personnel and track collection performance against targets.
• Review outstanding loan accounts and ensure timely follow-up and escalation of recovery cases.
• Ensure recovery activities comply with applicable laws and company policies.

Team Leadership and Performance Management:

• Provide direction and supervision to sales, credit, and recovery teams.
• Set performance targets, monitor KPIs, and hold team members accountable for results.
• Coach and develop employees to improve productivity and professional competence.
• Promote a culture of accountability, discipline, teamwork, and results-oriented performance.

Reporting and Compliance:

• Monitor business performance, operating costs, revenue, and portfolio quality.
• Analyse performance data to identify risks, trends, and growth opportunities.
• Ensure accurate and timely reporting to management.
• Maintain compliance with internal policies, applicable regulations, and established risk management procedures.

Requirements:

• Bachelor's degree in Business Administration, Finance, Accounting, Economics, Management, or a related field.
• Minimum of 5 years' relevant experience in sales, business operations, credit management, loan recovery, or financial services.
• At least 5 years' experience in a supervisory or managerial role.
• Demonstrable experience managing sales teams and overseeing credit and recovery operations.
• Experience in microfinance, consumer lending, SME financing, or a similar financial services environment is a strong advantage.
• Strong knowledge of credit appraisal, loan portfolio monitoring, delinquency management, and debt recovery.
• Proficiency in Microsoft Excel and business performance reporting.
• Strong leadership and people-management skills.
• Excellent sales, business development, and negotiation skills.
• Strong analytical, problem-solving, and decision-making abilities.
• Ability to interpret business data and drive performance improvements.
• Excellent communication and interpersonal skills.
• Strong organisational and execution skills.
• High integrity, accountability, and commercial awareness.
• Ability to work independently, take initiative, and deliver results with minimal supervision.

Benefits:

• Competitive remuneration.
• An opportunity to lead and influence key business functions.
• A performance-driven work environment with opportunities to contribute to business growth.

Remuneration: NGN 400,000