Operations Manager

Our client is a rapidly expanding fintech and financial services organization delivering complex lending financial inclusion and institutional partnership programs across Africa. As the company scales they are increasingly engaged in high-impact initiatives involving governments banks telecommunications providers development partners and large beneficiary populations.

They are looking to hire an Operations Manager to lead the development execution and growth of the lending and asset-financing portfolio with a strong focus on the FMCG sector and emerging markets across Nigeria.
The Operations Manager will be responsible for developing and managing lending strategy portfolio growth credit partnerships and lending operations. The ideal candidate will have extensive experience in asset financing consumer lending SME lending commercial lending or fintech lending with a strong understanding of the Nigerian market. Experience in Northern Nigeria and familiarity with FMCG businesses distributors wholesalers retailers and other commercial ecosystems will be highly valued.

Develop and execute overall lending and asset-financing strategy.

Develop lending products and financing structures for FMCG businesses distributors retailers SMEs and other target customers.

Establish and maintain relationships with banks financial institutions employers FMCG companies distributors and strategic financing partners.

Develop credit and lending policies in collaboration with Risk Credit and Compliance teams.

Establish appropriate lending criteria pricing repayment structures and portfolio limits.

Oversee the end-to-end lending process from customer acquisition and application through approval disbursement repayment and collections.

Monitor portfolio performance delinquency defaults recoveries and overall portfolio quality.

Work closely with the Risk and Credit teams to strengthen underwriting and credit assessment processes.

Identify opportunities for asset-backed financing and structured lending.

Develop strategies to expand lending operations into underserved and emerging markets.

Lead lending initiatives and partnerships across Northern Nigeria and other strategic markets.

Analyze market trends customer demand competitor lending products and portfolio performance.

Develop and monitor lending KPIs including loan growth approval rates disbursement portfolio-at-risk default rates and recovery rates.

Ensure lending activities comply with applicable regulatory risk and internal governance requirements. Lead mentor and develop the lending team.

Present lending performance portfolio risks and growth strategies to senior management.

Qualifications

Bachelors degree in Finance Banking Business Administration Economics or a related field. A Masters degree or relevant professional qualification is an advantage.

Minimum of 7 years of experience in lending banking financial services fintech asset financing consumer finance SME lending or commercial lending.

Proven experience managing or leading a lending portfolio.

Strong knowledge of credit undePFrwriting loan structuring portfolio management collections and credit risk.

Experience developing and implementing lending products and financing programs.

Experience in the Nigerian lending or financial-services market is required.

Experience working in Northern Nigeria is highly desirable.

Experience with FMCG financing distributor financing SME financing asset financing or supply-chain financing is an advantage.

Strong understanding of Nigerian consumer and commercial lending dynamics.

Demonstrated ability to build relationships with banks financial institutions corporations distributors and strategic partners.

Strong financial analysis risk assessment negotiation and decision-making skills.

Strong leadership and team-management capabilities.

Experience working within a fintech or technology-driven lending environment is an advantage.

Key Performance Indicators

Growth of the lending portfolio

Loan disbursement and revenue growth

Portfolio quality and repayment performance

Reduction of delinquency and default rates

Customer acquisition and retention

Lending partnership development

Expansion into strategic markets

Overall profitability and sustainability of the lending portfolio