Head of Lending Operations at Winock Limited


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    Head of Lending Operations

    • Job Type Full Time
    • Qualification BA/BSc/HND
    • Experience 3 years
    • Location Abuja
    • Job Field Finance / Accounting / Audit&nbsp

    Job Objectives

    • Successful candidates will be responsible for providing leadership to the Winock Lending team on all Credit decisions focusing on micro business financing/ lending.
    • The applicant will also supervise and develop staff, make credit and lending decisions, and perform credit monitoring of all loans above a certain threshold.

    Job Description

    • Define the strategic intent and agenda for the Credit risk operations and Lending operations function.
    • Strategically setting guidelines and policy relating to the accurate and timely servicing of loan portfolio, including the proper loan documentation and closing processes and loan servicing.
    • Effectively deliver the strategic initiatives on faster TAT.
    • Design, implement and monitor a loan & small business lending marketing and business plan, and subsequent achievement to the goals set by the Company.
    • Good understanding of Credit Policy and Fraud Process Standards. Understanding of implementation of Credit Decision Engines, Scorecards and tools for credit underwriting.
    • Leads the development of the design, management and adherence of key operating controls and levers that improve end to end decisioning efficiency and customer experience
    • Ability to identify an acceptable level of lending risk, in line with Winock’s risk appetite statement, and to maximise profit from that transaction.
    • Support and demonstrate a risk management culture in line with setvalues
    • Proactive identification and escalation of risks and issues related to your role responsibilities & captured as a service request in Ignite.
    • Monitor sales and collections KPIs for each branch to ensure that they are being met by the respective managers
    • Identify and implement corrective activity where performance gaps exist within budgeted targets.

    Key Performance Indicators

    Loans / Disbursement TargetCumulative target(Amount) for the three branches in FCT/Nasarawa95%+


    Repayment rateThe rate of performing loans for branches95%+ Monthly
    Portfolio at riskPAR that shows the non-quality loans disbursed<5% Monthly


    • Candidates should possess a Bachelor’s Degree with at least 3 years relevant work experience.

    Method of Application

    Interested and qualified candidates should send their CV to: careers@winock.com using the Job Title as the subject of the mail.

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