Development Exchange Centre (DEC) is a Non-Governmental Organisation that is non-partisan, non-profit, and established in 1987. It is Incorporated by Trust with the Corporate Affairs Commission (CAC)- (IT/Cert: 10826). The organization has an overarching mandate of providing socio-economic development services to women, groups, communities, and NGOs[1]. DEC’s Head Office is in Bauchi State, and it is currently operational in all Northern States of Nigeria including FCT, Enugu, and Cross Rivers States, with a staff strength of 868 permanent employees. DEC’s socio-economic enhancement programs cut across several sectors that touch the basic fabric of its target beneficiaries and include education, health, economic/livelihoods, water/environment, good governance & peacebuilding, and microfinance.

We are recruiting to fill the position below:

Job Title: Micro Credit Manager

Location: Bauchi
Employment Type: Full Time

Job Summary 

• The Microcredit Manager shall coordinate and directs the day-to-day microcredit institution-wide activities and ensures full implementation of Board and Management related decisions.
• S/he will be responsible for managing the organizational Loan Operations and to effectively support the Operations Officer.
• Ensure that the laid down goals and objectives of the organization are maintained by all microcredit field staff.

Responsibilities

• Coordinates and directs the day-to-day microcredit institution-wide activities and ensures full implementation of Board and Management related decisions.
• Plans and directs human and materials resources, prepares, and implements departmental approve budgets, plans and requisite strategies to drive effective and efficient delivery of microcredit services towards the attainment of institution’s (DEC) corporate mission, goals and objectives.
• Ensures implementation of all institution’s policies, procedures, enforcement of discipline and compliance to DEC’s core values by all staff and positive customer relations in the delivery of products and services.
• Ensures proper assessment/analyses of credit applications including all relevant credit risk related issues, enforcing strict compliance to credit product delivery procedures and provisioning policies.
• Entrench team approach to drive sustainable delivery of microcredit services and the identification, management of operational risks on a continuous relating to all services and control issues in the procedures.
• Monitors institution-wide loan portfolio performance, instituting strict and effective loan monitoring culture and (as may be applicable) prompt remedial measures on non-performing loans.
• Develops strong and enduring relationship with customers predicated on customer care and customer value as well as to promote business for DEC by maintaining and deepening good customer relationships.
• Entrenches high staff performance on the job and ensures sustained profitable institutional performance as well as coordinates regular feedback from customers/market that would aid development of new products and possible refinement or modification of existing products.
• Facilitates regular capacity building/training workshops for microcredit field staff on credit delivery skills and provision of business development services including non-financial services and training of customers to develop their business management and entrepreneurship skills.
• Consolidate and render periodic reports on institution-wide loan portfolio performance, in terms of quality, yield analysis, impact assessment and other measures of performance with concise recommendations for improvement.
• Period review of credit policy and procedure manuals for effective delivery of microcredit services and compilation of all identified business critical opportunities for process improvement based on DEC’s business requirement, customer needs and exigencies of controls.
• Prepares periodic reports (daily, weekly, monthly and annual – as may be required) to the Executive Director on Microcredit department activities.
• Any other task as may be assigned by the Executive Director or the Board of Directors.

Qualifications and Experience

• Bachelor’s Degree /HND in Banking & Finance, Business Administration, Accounting, Marketing or any other related course. A master’s degree would be an added advantage.
• Possession of Microfinance Certified Banker with CIBN certificate or related certification.
• At least 5 years’ relevant working experience
• Passion and commitment to quality service performance.
• Ability to work/communicate with various clients’ segments such as farmers, business persons, employed and professionals.
• Excellent training, leadership, and management skills.
• Proficiency in Microsoft Office applications.
• Excellent organizational skills and attention to detail.
• Ability to prioritize tasks, delegating when appropriate.
• Excellent report-writing and communication skills.

Application Closing Date
24th May, 2024.