Fullrays Resource Limited is in search of management staff for a Micro-Finance bank based in Uyo, Akwa Ibom State.
Job Title: Head, Credit & Marketing
Location: Uyo, Akwa Ibom State
Employment Type: full-time
Job Description
- Oversee the articulation and execution of the Bank’s marketing strategies, ensuring alignment with the overall corporate strategy, goals and objectives.
- Provide guidance, leadership support and direction to the Marketing team.
- Build the Bank’s profile and brand image in the market through sustained campaigns.
- Develop and manage strategic relationships with key customers in relevant market segments.
- Lead the Bank’s deposit mobilization efforts and ensure quality risks assets are created.
- Coordinate the deployment of effective market penetration and market share acquisition frameworks.
- Oversee the collation of market business intelligence to support effective decision-making.
- Champion the development and establishment of the effective channel strategies to support the Bank’s marketing efforts.
- Champion periodic planning and budget review sessions, monitor implementation and performance and ensure development of effective strategies to address shortfall in targets.
- Champion the drive to increase the Bank’s market share by promoting and institutionalizing a customer service-oriented culture.
- Monitor changing market dynamics and adapt product offering to effectively meet these needs.
- Perform other tasks as may be assigned by the MD/ CEO or Branch Manager.
Qualifications
- Candidate must possess minimum of B.Sc/HND in Marketing or any related field, relevant professional certification will be an advantage
- Candidate must have a minimum of 8 years’ experience; 5 of which must be on the job role.
Competency and Skill Requirements:
- Must have undergone the Microfinance Certification Programme and obtained a Certificate in Microfinance Banking issued by the Chartered Institute of Bankers of Nigeria (CIBN).
- Broad and in-depth knowledge of Microfinance Banking.
- In-depth knowledge and understanding of marketing principles – advertising, brand management, market/ sector targeting, product development etc.
- Good understanding of micro and macro-economic indices and their impact on small businesses.
- Strong people management, mentoring, and leadership skills.
- Proven problem-solving skills.
- Well-developed communication, negotiation and relationship management skills.
- Very good presentation and facilitation skills.
Job Title: Head, Operations
Location: Uyo, Akwa Ibom State
Employment Type: full-time
Job Description
- Responsible for effectiveness and efficiency of the branches, team development, team morale and implementation of micro-finance code of conduct at the various levels in operations.
- Develop strategies to minimize customer complaints and suggest ways of managing the public image of the Company.
- Liaise with the Financial Controller to ensure timely preparations of annual budget, quarterly budget review, forecasts and business plans.
- Develop business relationship with potential customers as well as existing customers with the view to strengthening the Company’s customer relationship base.
- Analyze the business environment and make recommendations on the development of new products and enhance existing products to grow the Company’s customer base and outreach
- Provide advice on all operation issue to the report person.
- Appraise the operational system in place and monitor the implementation of the Company’s operation manuals, making appropriate recommendation regarding the need for change.
- Responsible for delivering budget results of all Branches.
- Co-ordinate the activities of all branches and handle all operation issue including computerization, change management and balancing of books.
- Visit branches regularly to ensure operations are running smoothly.
- Provide on the job training to all department staff, including new recruits and existing staff.
- Any other duties and responsibilities which may be assigned from time to meet the objectives of the Company.
Qualifications
- Minimum of first degree or its equivalent in numerate or semi-numerate disciplines. Relevant professional certification will be an advantage
- Candidate must have a minimum of 8 years’ experience; 5 of which must be on the job role.
Competency and Skill Requirements:
- Must have undergone the Microfinance Certification Programme and obtained a Certificate in Microfinance Banking issued by the Chartered Institute of Bankers of Nigeria (CIBN).
- Strong knowledge of operational control methodologies in microfinance banks.
- Excellent skills in impact analysis and measurement.
- Proficient English Skills in writing and speaking.
- Excellent critical thinking and solution-oriented, self-starter results-oriented person.
- Excellent team leader/member
Job Title: Head, Internal Audit
Location: Uyo, Akwa Ibom State
Employment Type: full-time
Job Description:
- Ensure compliance on monthly report rendition to regulatory bodies
- Ensure daily compliance to the bank rules, policies, and regulations.
- Reconciliation of correspondent bank accounts to ensure transactions are not outstanding .
- Review of the statutory returns to regulatory authorities and government agencies to ensure accuracy and timely rendition monthly.
- Customers’ visitation for random deposit verification weekly
- Review the accuracy and reliability of financial transaction records – cash deposits, cash withdrawals, treasury bills investments, fixed deposits, and funds transfer daily.
- Engage in loan recovery and reconcile customers’ loan accounts for closure when need arises.
- Involve in the thorough review of the bank’s accounting software for efficiency daily.
- Review credit or loan files for compliance daily.
- Review accounting records to ensure proper and compliance with company’s extant policies daily.
- Review and recommend changes to some of the company’s policies to ensure adequate control daily.
- Conduct cash-counts of vaults daily.
- Reviewed customers’ account opening documents for compliance with Know Your Customer (“KYC”) policy and anti-money laundering requirements daily.
- Ensure compliance with the bank’s policies and conduct daily, weekly, and monthly General Ledger (GL) review for reconciliation.
- Handle customer complaints (Fraud, disservice, etc) if and when they occur.
- Review expenses and payments daily
- Conduct sweep exercise and spot check on tellers and account officers.
Qualifications
- Minimum of first degree or its equivalent in numerate or semi-numerate disciplines. Relevant professional certification will be an advantage
- 8 years of professional experience and 3 years of full-time experience in internal auditing.
Competency and Skill Requirements:
- Experience in Microfinance operations, or Banking or auditing in a supervising capacity.
- Deep knowledge of internal control and compliance management.
- Knowledge of the microfinance environment, regulations, and laws.
- Familiarity with the common indicators of fraud.
- Familiarity with and understanding of the dynamics of small businesses
- Mathematics, business acumen and analytical skills
- Proficiency in Computer Applications Excel /Microsoft Office
- Highly attentive to detail with excellent organizational and documentation skills
Job Title: Managing Director / Chief Executive Officer
Location: Uyo, Akwa Ibom State
Employment Type: full-time
Main Responsibility
The Managing Director shall be responsible for giving strategic guidance and direction to the board to ensure that the Company achieves its financial vision, mission and long-term goals.
Job Description
- Setting the overall strategic direction of the company alongside the board.
- Plans and implements the long-term business strategy of the bank to achieve its overall objectives.
- Setting company-wide KPI’s to gauge company performance in all areas.
- Prepare a corporate plan and annual business plan and monitor progress against these plans to ensure that the company attains its objectives as cost-effectively and efficiently as possible.
- Maintaining a dialogue between shareholders and the Board.
- Develop and maintain an effective marketing and public relations strategy to promote the products, services and image of the bank in the wider community.
- Devising a 5-year plan and working with other board members to oversee its implementation.
- Working closely with the Sales team on sales strategy and approach to winning new business.
- Carrying out regular business analysis to engage industry and market changes.
- Setting of budgets and forecasts alongside the finance department.
- Reporting results to the Board on a quarterly and annual basis.
Qualifications
- A degree in Social Sciences or any other related field. Professional qualification will be an added advantage.
- Must have undergone the Microfinance Certification Programme and obtained a Certificate in Microfinance Banking issued by the Chartered Institute of Bankers of Nigeria (CIBN).
Competency and Skill Requirements:
- 12+ years of work experience in financial services.
- A proven record of success in senior management level, preferably in the microfinance banking industry.
- A wide knowledge of the microfinance banking industry.
- An understanding of financial management and wider management principles and techniques.
- Analytical and presentational skills.
- Knowledge of statutory requirements.
- A very high level of commercial awareness.
- Leadership skills.
- Excellent communication skills.
- Excellent organizational skills.
- Excellent analytical and problem-solving skills.
Deadline: 20th September, 2020
Method of Application
Please send an email containing your CV with the position being applied for as the subject of the email to: fullrays.recruiting@gmail.com
Note: Multiple Applications may result in disqualification. Only successful candidates will be contacted.
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