Head of Credit, Marketing & Programs

Our Client, a recently acquired microfinance bank, positioned for accelerated growth and operational transformation, is seeking forward-thinking talent to drive its strategic and operational agenda.

Job Summary

The Head of Credit, Marketing & Programs is a strategic leadership role responsible for driving the growth and profitability of the Bank by overseeing all credit operations, executing robust marketing strategies, and managing financial inclusion programs. The role is central to achieving the Bank's customer acquisition and loan portfolio targets, expanding market share within priority segments — particularly youth and women-owned businesses — and supporting the Bank's transition to a National MFB license within five years.

Key Responsibilities

• Oversee the full credit lifecycle from loan origination, appraisal, and disbursement through monitoring and recovery.
• Develop and enforce credit policies, procedures, and risk assessment frameworks to maintain portfolio quality and minimise NPLs.
• Monitor portfolio performance, analyse trends (PAR, NPLs, recoveries), and implement corrective actions in a timely manner.
• Ensure compliance with CBN regulatory guidelines and internal credit policies across all loan products and segments.
• Drive business development initiatives to identify and convert new market opportunities, partnerships, and customer segments.
• Lead and optimise all sales and customer acquisition drives for loan products, deposits, and other financial services, ensuring consistent achievement of targets.
• Build and maintain relationships with community leaders, corporate partners, cooperatives, and key stakeholders to grow the Bank's customer base.
• Develop and execute marketing campaigns across digital, ATL, and BTL channels to enhance brand visibility, customer engagement, and deposit mobilisation.
• Conduct market research to track customer needs, competitive dynamics, and emerging trends, and translate insights into actionable strategy.
• Manage the Bank's brand identity and public communications, ensuring consistency and a positive market reputation.
• Lead the design and launch of innovative financial products tailored to priority segments — youth, women-owned businesses, and other profitable niches — in collaboration with Operations and IT.
• Develop, implement, and monitor financial inclusion programs, tracking KPIs to ensure both social impact and financial sustainability.
• Continuously evaluate product and program performance and iterate based on market feedback, portfolio data, and strategic objectives.
• Ensure all growth initiatives are executed in alignment with the Bank's 5-year National License roadmap.
• Build, mentor, and manage a high-performing credit, sales, and marketing team with clear targets, accountability structures, and development plans.
• Contribute to strategic planning and EXCO decision-making as a key member of the Executive Management Team.

Requirements

• Bachelor's degree in Banking & Finance, Business Administration, Marketing, Economics, or a related field.
• CIBN (MCIB) membership, MBA, or relevant postgraduate qualification is an added advantage.
• Minimum of 8–10 years of progressive experience in credit, marketing, and business development within banking or microfinance, with at least 5 years in a senior leadership role.
• Proven track record of consistently meeting and exceeding sales and loan portfolio targets.
• Deep understanding of the Nigerian microfinance landscape, CBN regulatory environment,and financial inclusion dynamics.
• Strong experience in product development for niche segments, particularly youth and women-led businesses.
• Proficiency in credit analysis, risk management, and loan portfolio management.
• Strong strategic acumen with the ability to translate market insight into executable plans.
• Excellent leadership, communication, negotiation, and stakeholder management skills.
• Results-oriented with the ability to manage multiple priorities in a fast-paced, growth-stage environment.

Work Location: In person