Job description
Full job descriptionJob SummaryThe Portfolio Manager is responsible for overseeing the loan portfolio and leading a team of Field Credit Officers within a specific state. This role involves setting performance targets, ensuring credit risk is managed effectively, maintaining a healthy loan portfolio, and driving growth of the business and loan products. The Portfolio Manager will collaborate closely with other departments (Products, Risk, Operations, etc.) to uphold credit policies and ensure successful loan disbursement and repayment.Key ResponsibilitiesTeam Leadership and ManagementSupervise, mentor, and provide guidance to Field Credit Officers (FCOs) within the assigned state.Set and communicate clear performance goals and objectives for the FCOs, ensuring alignment with the company’s overall targets and strategy.Conduct regular performance reviews, identify training needs, and foster professional growth among team members.Portfolio Oversight and GrowthDevelop and implement strategies to grow a robust and profitable loan portfolio in the assigned state.Monitor and analyze overall portfolio performance, including loan approvals, disbursements, and repayments, to ensure targets are met.Identify trends and potential risks, taking proactive measures to mitigate any issues that could impact portfolio health.Credit Risk ManagementEnsure adherence to the organization’s credit policies and procedures.Review and approve on loan applications recommended by FCOs, providing final credit decisions where necessary.
Responsibilities & skills
Education
Bachelors Degree (or higher) in Business, Finance, Economics, or a related fieldMinimum of 4-5 years of relevant experience in lending, credit, or portfolio management, with at least 2 years in a supervisory role.
Experience
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Moniepoint
TeamApt is a financial technology company digitizing Africa's real economy by building a financial ecosystem for businesses, providing them with all the payment, banking, credit and business management tools they need to succeed.What we doAt TeamApt we are a customer-focused community, dedicated to crafting solutions that redefine our industry. We have several products that provide essential services for businesses such as credit, overdrafts etc. We leverage artificial intelligence and data to make our decisions but also have the technology and data-driven best practices used to support our businesses.
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