Head of Credit (Leasing Company)

Our client is a newly established leasing company in Lagos, Nigeria. The company is poised to deliver consumer credit in the area of small ticket leases in the short and medium term with a resolve to scaling up to big ticket leases in the long term. The company is now seeking to recruit an exceptional professional for the position of Head of Credit.

Reporting to the Managing Director, you will ensure the smooth running of the Credit and Marketing department. You will analyse credit

Our client is a newly established leasing company in Lagos, Nigeria. The company is poised to deliver consumer credit in the area of small ticket leases in the short and medium term with a resolve to scaling up to big ticket leases in the long term. The company is now seeking to recruit an exceptional professional for the position of Head of Credit.

Reporting to the Managing Director, you will ensure the smooth running of the Credit and Marketing department. You will analyse credit and financial reports to determine risk involved in extending credit. You will scrutinise financial data such as market share, income growth, and management quality to decide if credit will be lucrative. Other responsibilities include gathering information, reading financial briefings, assessing, analysing and interpreting complicated financial information, undertaking risk assessment analysis, visiting clients, keeping company credit exposures within set risk bearing limits, keeping knowledge of key issues up-to-date (for example legal, market risk and compliance issues), helping to enhance the quality of credit applications, and making recommendations about procedural/policy changes. In addition, you will aggressively grow Risk Asset and the credits must be performing at all times. The non performing loans must be near zero.

Degree-qualified, you must have a minimum of 5 years experience in booking credit and analysing good credit from a recognised financial institution. You must have strong character and personality and strong numeric abilities and analytical skills. You must have a high level communication and influencing skills. Highly numerate and analytical with a practical approach to problem solving, you must have the drive and commercial acumen to succeed.