Job Vacancies @ Personal Trust Microfinance Bank Limited – 6 Positions (Nigeria)

Location: Mainland, Lagos
Employment Type: Full-time

Job Summary

• The Product Manager is responsible for product planning, delivery and marketing throughout the product lifecycle.
• They will conduct market research and develop a road map for the products.
• They will work with other teams to deliver standard products and services that meets the needs of the market.

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Duties and Responsibilities

• Identify areas for growth and create strategic product line roadmaps to help drive adoption of the product and differentiating features.
• Grow market share and improve customer experience.
• Create buy-in for the product vision both internally and with key external partners.
• Develop product pricing and positioning strategies.
• Translate product strategy into detailed requirements and prototypes.
• Work closely with cross functional teams to deliver final product.
• Develop a marketing strategy to drive product launch and marketing campaigns.
• Evaluate promotional plans to ensure that they are consistent with product line. strategy and that the message is effectively conveyed.
• Determine product pricing based on market research, production costs and anticipated demand.
• Manage all aspects of in-life products, including customer feedback, requirements, and issues.
• Monitor, report and improve product performance.
• Promote the product to sales teams through sales training sessions, webinars, newsletters and other mechanisms.
• Develop and deliver training to technical sales support.
• Evangelize the product internally and externally.
• Provide regular report on product performance, sales volume, revenue and profit.
• Provides feedback and recommendations on business risks and improving operational efficiencies and processes where appropriate.
• Using problem solving and critical thinking skills to quickly identify product deficiencies, evaluate their risk implications, and draw the appropriate conclusions.
• Flexibility to carry out any other task as requested by Management.

Qualifications

• B.Sc in Business Management, Communications, Computer Science or a related field.
• Evidence of completion/ exemption of/from NYSC.

Experience:

• Minimum of five (5) years experience in a similar role preferably in a Financial Institution.
• Proven track record of managing all aspects of a successful product throughout its lifecycle.
• Proven ability to develop product and marketing strategies.
• Solid technical background and hands-on experience in software development.
• Experienced at working effectively with cross functional teams.

Skills:

• Strategy planning and implementation
• Experience in product management, experience in finance or lending.
• Product management experience with a Bank and/or financial services company.
• Product lifecycle ownership
• Organization and time management abilities
• Leadership, team management and mentoring
• Project planning and project management skills
• Outstanding communication and people skills
• Proficient writing and delivery of presentations and documentation
• Meticulous attention to detail and accuracy
• Ability to multi task and meet tight deadlines
• Ability to interact with senior management and stakeholders, including regulators
• Proficient in the use of MS Office suit
• Unquestioned personal integrity with strong ethics and values.

Application Closing Date
8th July, 2022.

Method of Application
Interested and qualified candidates should send their CV to: recruitment@personaltrustmfb.com using "Product Manager" as the subject of the mail.

Location: Mainland, Lagos
Employment Type: Full-time

Job Description

• The Head, Credit & Risk Management be responsible for the monitoring and management of the risk portfolio of the Bank. The job holder will develop and implement systems, policies and procedures aimed at risk mitigation.

Duties and responsibilities

• Planning, designing implementing & managing the overall risk management process for the bank by developing the risk management framework, policies, processes, procedures and reporting standards that define the bank’s risk strategy and appetite in line with its overall business objectives
• Monitor the business development for emerging risks and recommend policies and procedures to improve the risk management process
• Facilitate the identification, assessment, measurement, monitoring, controlling and reporting the level of risks
• Maintain oversight over the bank’s enterprise risk management activities
• Provide support, education and training to staff in order to create risk awareness
• Ensures proper documentation of credits by adhering to set documentation standards and procedures
• Define credit approval framework and recommend credit approval limits in line with banks’ policy
• Analysis and appraisal of Individual credit requests in accordance with approved policies and procedures to ensure that credit exposures are created subject to stipulated guidelines
• Conduct periodic stress tests and scenario analysis, assessing the impact to the Bank’s credit portfolio and make appropriate recommendations to senior management for appropriate action
• Support the loan remediation team, in negotiating work out plans and strategies for delinquent customers and provide additional support with respect to exposures requiring collection agencies or legal action
• Review and analyze the delinquent portfolio to identify key causal factors, make recommendations and track them to ensure adequate and timely closure
• Monitor violations of credit policies, provide analysis, conclusion and recommendations, present findings to senior management and suggest actions/penalties to be taken when appropriate
• Prepare timely, comprehensive and reliable credit risk reports to senior management and board on a regular basis
• Flexibility to carry out any other task as requested by Management

Qualifications

• HND / B.Sc in Accounting, Economics or a related field
• Evidence of completion/ exemption of/from NYSC
• Evidence of completion of Microfinance Certification program

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Experience:

• Minimum of five (5) years’ experience in a similar role at a microfinance bank or Fintech.

Skills:

• Credit Administration, credit analysis and appraisal skills
• Outstanding communication (written and verbal) and interpersonal abilities
• Strong marketing and public relations skills
• Good team player with excellent leadership traits
• Planning and organization skills
• High degree of professionalism, maturity and confidentiality
• Strong interpersonal and presentation skills.
• Strong analytical and problem-solving skills.
• Ability to work within and manage a team of professional, guiding and coordinating towards achieving common objectives.
• Influencing and Negotiation skills.

Application Closing Date
12th July, 2022.

Method of Application
Interested and qualified candidates should send their CV to: recruitment@personaltrustmfb.com using the Job Title as the subject of the mail.

Location: Mainland, Lagos
Employment Type: Full-time

Job Summary

• The IT Officer provides technical support to all users.
• The IT Officer monitors and maintains computer networks, installs and configures hardware and software and solves all technical problems that may arise.

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Duties and Responsibilities

• Installing and configuring computer hardware, software, systems, networks, printers and scanners
• Monitoring and maintaining computer systems and networks
• Responding in a timely manner to service issues and requests
• Providing technical support across the branches of the bank
• Ensure security of data, network access and backup systems
• Setting up accounts for new users
• Develop and maintain local networks to optimize performance
• Ensure security and privacy of networks and computer systems
• Organize and schedule periodic upgrades and maintenance
• Maintain records/logs of repairs and fixes and maintenance schedule
• Use high-speed transaction recovery techniques and backup data
• Set up user accounts, permissions and passwords
• Liaise with third parties and vendors across all platforms
• Drives service excellent through e-solutions
• Periodic report generation
• Repairing equipment and replacing parts, checking computer equipment for electrical safety
• Maintaining records of software licenses
• Perform any other duties as may be assigned by Management
• Define IT users and roles and enable data distribution in the appropriate format and in a timely manner
• Flexibility to carry out any other task as requested by Management.

Qualifications

• OND / HND / B.Sc in IT or Computer Science
• IT professional certification/qualification
• Evidence of completion/ exemption of / from NYSC.

Experience:

• 5 - 10 years work experience.
• Previous work experience in IT in a Microfinance Bank or Financial Institution
• MUST have indepth knowledge of BANKONE software.

Skills:

• In-depth knowledge of hardware and software
• Up-to date knowledge of software and IT trends
• Ability to work well with people
• IT security and operations
• Ability to multi task
• Attention to detail
• Excellent verbal and written communication skills, including ability to effectively communicate with internal and external customers.

Application Closing Date
11th July, 2022.

Method of Application
Interested and qualified candidates should send their CV to: recruitment@personaltrustmfb.com using "IT Officer" as the subject of the mail.

Location: Mainland, Lagos
Employment Type: Full-time

Job Summary

• The Head of Internal Control is responsible for the development and implementation of the Internal Control framework of the Bank.
• The job holder will develop policies and procedures and monitor compliance in line with external regulations.

Duties and Responsibilities

• Developing, reviewing, and implementing compliance policies, programs, and procedures
• Using problem solving and critical thinking skills to quickly identify internal control deficiencies, evaluate their risk implications, and draw the appropriate conclusions
• Developing and executing internal audit activities, consult with management on strategic plans and other business matters, and anticipate emerging risks
• Participating in decision making with senior engagement management, provide meaningful insights, and seek to understand the broader impact of current decisions
• Documenting and testing business process and IT controls that support key financial operations
• Evaluating control deficiencies, and monitoring remediation actions, timelines, and progress
• Maintaining current knowledge of laws, regulations, procedures, and policies governing the Bank
• Lead the setup of the enterprise risk assessment for the bank and developing a risk log
• Take responsibility for the Bank’s annual control work program using the internal control framework within the Bank
• Ensure appropriate level of communication is maintained on Internal Control matters to support the framework and ensure appropriate ownership and accountabilities from management and managers.
• Develop adequate training material on the internal control objectives, approach and methodology.
• Conduct follow-up reviews of financial, operational, or regulatory compliance deficiencies noted during audits.
• Prepares monthly exception reports and presents to the Managing Director
• Ensures capital & revenue expenditure complies with policies and approval limits
• Ensure compliance of loans disbursement to credit policies
• Implements the anti-fraud campaign and assess compliance
• Prepares monthly regulatory renditions and returns
• Flexibility to carry out any other task as requested by Management.

Qualifications

• HND / B.Sc in Accounting
• ICAN Certified
• Evidence of completion/ exemption of/from NYSC
• Evidence of completion of Microfinance Certification program.

Experience:

• Minimum of five (5) years’ experience in Internal Control in a microfinance bank or financial institution.
• Prior managerial experience in similar role or capacity
• In-depth knowledge of Internal control framework for the Microfinance Industry.

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Skills:

• Strategy planning and implementation
• Organization and time management abilities
• Leadership, team management and mentoring
• Metrics-driven mindset
• Problem solving skills
• Outstanding communication and people skills
• Extensive knowledge of all regulatory policies and procedure
• Risk Management techniques
• Meticulous attention to detail and accuracy
• Ability to multi task and meet tight deadlines
• Proficient in the use of MS Office suit
• Ability to interact with senior management and multiple stakeholders, including regulators.
• Strong communication, negotiation and presentation skills.
• Proficient writing and delivery of presentations and documentation.
• Ability to elicit cooperation from people.

Application Closing Date
23rd June, 2022.

Method of Application
Interested and qualified candidates should send their CV to: recruitment@personaltrustmfb.com using "Head, Internal Control" as the subject of the email.

Note: You will be contacted if your application is successful.

Location: Mainland, Lagos
Employment Type: Full-time

Job summary

• A Relationship Officer is responsible for prospecting, marketing, business development and income generation in line with the key performance indicators.
• The Relationship Officer is the interface between the Bank and the customer and nurtures mutually beneficial relationships between both parties.

Duties and Responsibilities

• Achieve growth within the Key performance indicators; liability and risk asset generation, account opening, income generation, and e-banking product offerings.
• Evaluate the creditworthiness of customers by processing loan applications and documentation.
• Monitors active loans and enforces collection and recoveries.
• Ensures the achievement of all budget parameters.
• Develop referral networks and cross-sell products and services.
• Ensures a high level of customer satisfaction through excellent customer engagement and service delivery.
• Actively seek out new sales opportunities through cold calling, networking and referrals.
• Expedites the resolution of complaints to maximize satisfaction and boost customer service experience.
• Achieve a healthy portfolio and deposit mix.
• Executes marketing strategy and develops marketing campaigns.
• Ensures compliance with all internal policies and regulatory guidelines.
• Monitors competition by gathering current marketplace information on pricing, products, etc.
• Recommends changes in products, services, and policies by evaluating results and competitive developments.
• Identify potential loan markets and develop r+eferral networks.
• Perform any other duties as may be assigned by Management.

Qualifications

• HND / B.Sc in Social Science or any other related course.
• Evidence of completion / exemption of / from NYSC.

Experience:

• 3 - 10 years of work experience.
• Previous experience in a marketing role in a Microfinance Bank or Financial Organization is an advantage.

Skills:

• Demonstrated ability to communicate, present and influence credibly and effectively at all societal levels.
• Proven ability to drive the sales process.
• Strong business sense and industry expertise.
• Basic understanding of sales principles and customer service practices.
• Friendly, helpful, confident and engaging personality.
• Excellent communication and interpersonal skills.
• Ability to work in a goal-oriented environment.
• Ability to work in a team.
• Strong planning, organizational and time management abilities.
• Proficient in the use of MS Office suite.

Application Closing Date
4th July, 2022.

Method of Application
Interested and qualified candidates should send their CV to: recruitment@personaltrustmfb.com using the Job Title as the subject of the email.

Location: Mainland, Lagos
Employment Type: Full-time

Job summary

• The Human Resources Officer provides HR and Administrative support to the department.

Duties and Responsibilities

• Supports recruitment by posting job ads, shortlisting candidates, co-ordinating interviews and support the overall recruitment and hiring process.
• Supports the documentation, orientation and onboarding of new employees.
• Conducts verification, background and reference check on all employees within seven (7) days of resumption.
• Process payroll, pension and benefits in compliance with policy.
• Implements the vacation calendar and ensure compliance.
• Supports the performance appraisal process and employment confirmation.
• Manages the approved training calendar and co-ordinate training activities.
• Maintains an efficient document management system.
• Maintains updated personnel records.
• Co-ordinate employee enrolment in benefits programs such as health insurance, group life insurance, pension etc.
• Provides assistance and information to employees on HR related matters.
• Prepares reports on HR indices and personnel activities.
• Maintains an updated HR database.
• Manages exit processes including exit interviews and payments of terminal benefits.
• Co-ordinates all HR events.
• Plan and coordinate administrative procedures and systems.
• Monitor inventory of office supplies with attention to budgetary constraints.
• Monitor costs and expenses.
• Develop and maintain an efficient filing and archive systems.
• Guide and ensure compliance with all local and laws of the Federal legislation.
• Prepare periodic reports on administrative activities.
• Maintains supplies inventory by checking stock to determine inventory level; anticipating needed supplies; placing and expediting orders for supplies; verifying receipt of supplies.
• Perform routine inspection of the office premises to identify maintenance and repair needs.
• Implements health and safety standards across the bank.
• Perform any other duties as may be assigned by Management.

Qualifications

• HND / B.Sc Degree in Human Resources or Social Sciences
• Evidence of completion/ exemption of/from NYSC
• Evidence of completion of Microfinance Certification program.

Experience:

• Minimum of three (3) years’ experience in Human Resources
• Prior managerial experience in similar role or capacity
• Knowledge of human resources processes and best practices
• A strong working knowledge of employment laws and HR regulatory compliance.

Skills:

• Strong leadership, supervisory and people management skills
• Excellent interpersonal skill
• Aptitude in problem-solving
• Excellent negotiation and communications skills
• Administrative and managerial skills
• Analytical ability and strong attention to detail
• Excellent verbal and written communication skills
• Must be able to prioritize and plan work activities as to use time efficiently
• Proficient in the use of MS Office suit.

Application Closing Date
16th June, 2022.

Method of Application
Interested and qualified candidates should send their CV to: recruitment@personaltrustmfb.com using the Job Title as the subject of the email.

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