Head of Loan
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Experience Required:
Posted on:
2 days ago
Vacancies:
1 Vacancy
Job Summary
About Katsu
We are hiring into Katsu one of our business units a licensed microfinance bank focused on delivering modern efficient financial services through digital channels. We aim to bridge the financial inclusion gap by providing accessible banking services to both businesses and individuals. Our approach combines digital transformation financial inclusion initiatives and strong risk management to create a comprehensive banking platform offering a wide range of services from basic banking to other advanced features. The bank emphasizes technological innovation while maintaining strong regulatory compliance and security measures. We aim to contribute to economic growth and development within the communities we serve.
Job Summary
We are seeking an experienced and strategic Head of Loans who will provide operational and leadership oversight for all lending activities within Katsu MFB. This role is responsible for designing and executing the banks loan strategy building strong credit and sales operations ensuring portfolio quality and driving sustainable loan book growth across retail micro SME and structured/commodity-linked lending.
The role will also be responsible for leading Credit Sales Loan Operations Field/Loan Agents Remedial/Collections and collaborate with Risk Compliance and Product to drive a healthy scalable lending business.
What you will be doing
Strategy and Business Leadership
- Develop and execute the overall lending strategy for Katsu MFB in alignment with business and risk appetite.
- Translate strategic objectives into actionable targets across retail SME group lending and ecosystem-linked products.
- Lead expansion of lending channels including agent networks field teams digital journeys and ecosystem integrations.
Loan Portfolio Growth and Performance
- Drive monthly loan disbursement targets across micro SME and retail segments.
- Ensure strong pipeline development and sales discipline across all lending teams.
- Supervise portfolio performance monitor trends and adjust strategy to maintain a healthy book.
- Collaborate with Marketing and Product to design customer-centric credit offerings.
Credit Operations and Process Management
- Oversee end-to-end loan lifecycle: origination evaluation approval disbursement monitoring and closure.
- Streamline lending workflows to improve speed efficiency and customer experience.
- Establish strong documentation verification and due diligence standards across all lending units.
- Ensure effective onboarding and training of loan agents analysts and sales staff.
Risk Management and Compliance Alignment
- Partner with the Credit Risk Manager and Compliance to adhere to CBN microfinance lending guidelines.
- Implement robust early warning and fraud prevention mechanisms.
- Drive consistent adherence to credit policy underwriting rules and risk controls.
- Ensure zero tolerance for documentation gaps policy breaches or unethical practices.
Collections Recovery and Remedial Oversight
- Provide leadership for collections and delinquency management teams.
- Implement targeted recovery strategies for overdue accounts.
- Ensure alignment between Sales Operations and Risk to maintain low PAR/NPL levels.
- Track and escalate high-risk accounts to risk or legal units where necessary.
Team Leadership & People Management
- Lead and develop the Lending Team across Credit Sales Field Agents and Loan Operations.
- Implement performance management coaching and talent development programs.
- Foster a culture of accountability teamwork and customer-first execution.
Reporting and Stakeholder Management
- Prepare accurate monthly and quarterly loan performance reports for management and the Board.
- Engage senior stakeholders across Sabi/Katsu ecosystem to drive business growth.
- Provide insights into Product Risk and Finance to enhance lending decisions and profitability.
Requirements
Special Skills and Qualifications
- Bachelors degree in Accounting Finance Business Economics or related field.
- 812 years of experience in lending credit operations or loan management.
- Strong background in Microfinance Digital Lending SME Lending or Structured Lending.
- Demonstrated leadership experience managing sales and credit teams.
- Strong understanding of CBN Microfinance guidelines and operational frameworks.
- Experience with ecosystems commodity-linked or supply-chain lending is a plus.
- Strong lending and credit operations expertise.
- High-level business development and pipeline management skills.
- Strong understanding of loan performance metrics (PAR NPL roll rates).
Candidate Specification
- Motivated by the mission of Katsu
- Confident composed leader with strong operational discipline.
- Hands-on individual who can build and scale lending structures.
- Target-driven and results-oriented.
- High integrity and ethical conduct
- Strong collaborator with cross-functional influence
- Ability to motivate teams and build trust with customers
- Prescreening with the Talent team
- Interviews and Case Assessments with the Hiring team.
- Follow up interviews with Sabi Leadership team.
- Hiring Decision
Our Process:
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