Ascentech Services Limited is a full-fledged Human Resource Solution Provider incorporated in 2013 with its Head Office in Lagos, Nigeria. We are committed to forging long-term partnerships with our clients by creating and delivering robust and flexible services that address the changing needs of their business.
We are recruiting to fill the position below:
Job Title: Head of Credit
Location: Benin City, Edo
Employment Type: Full-time
Division: Credit & Risk Management
Reports To: National Head of Credit
Job Summary
- We are hiring a proactive and experienced Head of Credit to manage credit operations across the South-South region.
- This role is based in Benin City and will oversee lending activities in Warriand Port Harcourt.
- The successful candidate will bring a strong background in micro-lending, fintech lending platforms (e.g., Palmpay, Opay), or microfinance institutions, and must be capable of working directly with clients and field teams.
- The Head of Credit will be responsible for building and maintaining a strong regional loan portfolio, leading credit evaluations, managing a team of officers, and maintaining compliance with company and regulatory policies.
- This role requires extensive field engagement and the ability to guide sales teams in identifying and assessing credible borrowers.
Key Responsibilities
Credit Operations & Management:
- Direct all credit operations in Benin, Warri, and Port Harcourt.
- Define and enforce credit standards and procedures tailored to the regional market.
- Monitor credit performance, PAR levels, and delinquency rates.
- Oversee loan approvals, disbursement processes, and recovery efforts.
Field Evaluation & Sales Collaboration:
- Work hand-in-hand with sales agents to assess customer viability at the point of sale.
- Conduct on-site visits to evaluate customer businesses and validate loan requests.
- Ensure credit decisions are data-driven and reflect real-time client assessments.
Team Leadership & Performance:
- Lead a credit team consisting of 1 CRO, 1 Loan Officer, and 1 Recovery Agent in the region.
- Drive performance through KPIs, coaching, and structured credit evaluation processes.
- Promote accountability, transparency, and efficiency in the field.
Risk & Compliance Oversight:
- Ensure adherence to internal credit policies and external regulatory frameworks.
- Mitigate risks through sound portfolio management and consistent loan monitoring.
- Maintain up-to-date client documentation, including KYC, affordability checks, and site verifications.
Reporting & Stakeholder Management
- Report regional credit performance to the National Head of Credit.
- Collaborate with product, technology, and operations teams to enhance credit systems.
- Participate in strategic planning and regional expansion efforts.
Required Qualifications & Experience
- Bachelor’s Degree in Finance, Business Administration, Economics, or related discipline (MBA or industry certification preferred).
- Minimum of 5 years experience in credit, lending operations, or collections within fintech lending platforms, consumer finance, or microfinance banks.
- Strong credit evaluation and recovery background.
- Experience managing teams and delivering performance across multiple locations.
- Familiarity with lending in the South-South region is a strong advantage.
Key Skills & Attributes:
- Excellent interpersonal skills and team leadership.
- Strong communication and negotiation abilities.
- Field-oriented with willingness to travel frequently.
- Analytical mindset with ability to assess and mitigate credit risks.
- Commitment to ethical lending practices and financial inclusion.
Working Conditions:
- Based in Benin City, with active oversight of Warriand Port Harcourt.
- Frequent travel and field-based client evaluations required.
- Hybrid work model with emphasis on field supervision and results delivery.
Salary
N250,000 – N300,000 monthly.
Application Closing Date
31st August, 2025.
How to Apply
Interested and qualified candidates should send their CV to: Taiwo@ascentech.com.ng using the job title as the subject of the mail.