Business, strategic management Jobs for Mid-level in Africa

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Seniority (Business, strategic management)

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SME Relationship Officer- Lagos

Job details

Contract Type

Description


1. Business Development & Client Acquisition: Identify, prospect, and onboard viable SME clients within assigned markets. Conduct field visits, business assessments, and market mapping to generate quality leads. Build strong relationships with SME owners, traders, and business clusters.

2. Credit Evaluation & Loan Processing: Conduct detailed credit appraisals, cash‑flow analysis, and risk assessments. Prepare loan proposals and ensure complete documentation for approval. Ensure fast and accurate turnaround time from application to disbursement.

3. Portfolio Management: Monitor loan performance and ensure timely repayment of SME loans. Conduct periodic business visits to assess financial health and repayment capacity. Maintain a high‑quality loan portfolio with minimal delinquency.

4. Loan Recovery & Delinquency Control: Follow up on overdue accounts and implement structured recovery strategies. Engage clients through calls, visits, and repayment reminders. Maintain low PAR and NPL ratios through proactive monitoring.


5. Reporting & Compliance: Prepare daily, weekly, and monthly reports on loan performance and portfolio status. Ensure compliance with internal credit policies and regulatory guidelines. Maintain accurate and updated client records in the bank's systems.


Key Performance Indicators (KPIs)

Performance will be measured based on:

  • Loan Disbursement Volume: Achievement of monthly and quarterly SME loan targets.
  • Portfolio Quality: Low PAR (Portfolio at Risk) and NPL (Non‑Performing Loan) ratios.
  • Loan Repayment Rate: Percentage of SME loans repaid on schedule.
  • Number of Active Borrowers: Growth and retention of SME clients.
  • Recovery Rate: Effectiveness in recovering overdue or defaulted SME loans.
  • Turnaround Time: Speed and accuracy of loan processing and disbursement.


Qualifications & Requirements

  • OND/HND/BSc in Finance, Business, Economics, or related field.
  • 2–4 years' experience in SME lending within a microfinance bank or commercial bank.
  • Strong knowledge of SME business models, cash‑flow cycles, and credit risk.
  • Excellent communication, negotiation, and customer‑relationship skills.
  • Ability to work under pressure and meet aggressive targets.
  • Must reside in Ajah or be willing to work within the Ajah axis.

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