Head of Operations
Head of Operations
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Job Description
About the Company
We are an innovative FinTech company on a mission to revolutionize access to financial services in underserved communities. By combining Microfinance Banking principles with cutting-edge digital infrastructure we provide secure inclusive and scalable financial solutions to individuals and small businesses.
Job Summary
The Head of Operations will be responsible for leading and managing all operational aspects of our FinTech-Microfinance hybrid model. The ideal candidate must have a strong background in microfinance operations digital financial services and regulatory compliance. This role requires a hands-on leader with deep operational expertise across credit deposits customer onboarding risk management and digital transformation in the microfinance space.
Key Responsibilities
Microfinance Banking Operations
Oversee day-to-day microfinance operations including group lending individual lending savings mobilization and loan recovery processes.
Design and implement scalable credit processes for both traditional and digital lending products.
Ensure proper documentation appraisal disbursement and recovery of micro-loans in compliance with regulatory standards.
Lead operational policies for branch and agent network management loan officers and credit committees.
Monitor portfolio quality (PAR NPL ratios) and implement early warning systems and recovery strategies.
Compliance & Risk Management
Ensure full compliance with Central Bank of Nigeria (CBN) NDIC and other regulatory authorities.
Supervise the KYC AML/CFT and customer due diligence processes across all channels.
Develop and implement internal control systems and risk mitigation strategies.
Oversee audits and inspections and implement recommendations promptly.
Requirements
Digital Operations (FinTech Integration)
Collaborate with product and engineering teams to automate lending savings and repayment workflows.
Drive technology adoption across microfinance operations including digital loan origination credit scoring and mobile wallet integrations.
Manage onboarding transaction monitoring and support systems across web and mobile platforms.
Customer & Field Operations
Supervise field staff agents and branches to ensure standardized service delivery and target achievement.
Lead customer operations ensuring timely support customer satisfaction and operational SLA adherence.
Implement client education and financial literacy programs for underserved communities.
Strategic Leadership & Execution
Translate business strategy into operational goals processes and performance metrics.
Drive operational excellence through business process reengineering and capacity building.
Serve as a key liaison with regulatory agencies investors and other external stakeholders on operational matters.
Requirements
Bachelor s degree in Banking & Finance Business Administration or related field; MBA or relevant Master s degree preferred.
Minimum of 7 years experience in Microfinance Banking with at least 4 years in a senior leadership position.
Proven track record in managing credit operations deposit mobilization loan recovery and regulatory reporting.
Experience in integrating core banking systems with digital channels (USSD mobile apps agent banking).
Strong knowledge of CBN microfinance guidelines risk management frameworks and audit processes.
Demonstrated ability to lead hybrid operations teams (tech traditional microfinance).
Excellent leadership communication and stakeholder management skills.
Analytical and data-driven decision-making skills with proficiency in tools like Excel Power BI or similar.
Preferred Qualifications
Experience in launching and scaling a microfinance bank or MFB unit.
Background in credit risk modeling and digital credit scoring systems.
Familiarity with MIS tools LOS (Loan Origination Systems) and mobile money platforms.
Certification in Microfinance Management Risk or Compliance is an added advantage.
Compensation & Benefits
Competitive salary based on experience
Performance-based bonuses
Health insurance and pension
Optional: Equity or profit-sharing opportunities
Employment Type
Full Time
