Job Vacancies at Personal Trust Microfinance Bank

Personal Trust Microfinance Bank is an African retail financial services institution providing transformative and inclusive products and services with the focus toprovide microfinance services to individuals as well as small and medium scale enterprises.

We are recruiting to fill the following positions below:

1.) Team Lead, E-Business

Job Location: Lagos Mainland, Lagos
Employment Type: Full-time

Job Summary

• The Team Lead, E-Business is responsible for the alignment of e-business strategies with the short- and long-term goals of the Bank.
• The job holder ensures the development and growth of e-products and services in order to achieve the digital transformation vision of the bank.

Duties and Responsibilities

• Increase the profitability of e-business by achieving e-business budget
• Manage and oversee project implementation within budget and set time frames
• Develop operating manuals and procedures for e-products operations
• Enhance and upgrade existing e-products and services
• Supervise the card and mobile money operations of the bank
• Ensure customers’ disputes or claims regarding e-channel transactions are resolved within TATs
• Ensure reconciliation of ledgers and settlement of transactions
• Develop strategies to increase the bank’s market share by growing the number of active users of e-business solutions.
• Manage each channel as a business, focusing on service delivery income streams and costs Manages all self-service channels, including websites, applications, software, etc.
• Develop and oversee the electronic promotions, advertisements, and campaigns of the bank
• Ensures fees due to the bank are received from third parties as and when due
• Organize and schedule upgrades and maintenance
• Set up user accounts, permissions and passwords
• Responsible for establishing, monitoring and managing service level agreements with service providers
• Manage relationships with third-party service providers
• Report all suspicious or fraudulent activities to Compliance.
• Provides user support for the core banking and alternative banking channels
• Administration and support of e-business solutions
• Develop and implement self-service products to expand customer base across a wide geographical reach
• Implement security measures to protect systems and infrastructure
• Flexibility to carry out any other task as requested by Management

Qualifications

• HND / B.Sc in IT or Computer Science
• IT professional certification or qualification (CCNA, CISA e.t.c) isan added advantage
• Evidence of completion or exemption from NYSC
• Evidence of completion of the Microfinance Certification Program

Experience:

• A minimum of five (5) years of experience in IT or e-commerce in a bank

Skills:

• Channel Management
• E-Banking Business Savvy
• Business Acumen
• Product Development
• Ability to multi task and meet tight deadlines
• Excellent verbal and written communication skills, including ability to effectively communicate with internal and external customers
• Strong strategy and implementation skills
• Proficient in the use of MS Office Suite.

Application Closing Date: 10th January, 2024.

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

2.) Loan Monitoring Officer

Job Location: Lagos Mainland, Lagos
Employment Type: Full-time

Job Summary

• The Loan Monitoring Officer is responsible for the credit monitoring functions.
• The job holder monitors the portfolio and identifies accounts due for collection with a view to ensuring timely repayment.

Job Responsibilities

• Monitors the credit portfolio and evaluates the risk of potential default while recommending recovery solutions
• Provides daily, weekly, and monthly collection and payment schedules to customers and the marketing team while ensuring prompt and timely repayments as per schedule
• Identify and escalate repayment irregularities for further management action
• Preparation of monthly portfolio report for Management decision
• Preparation of weekly portfolio reports for credit review meetings
• Compute weekly branch-wide PAR report, including product, individual and branch-wide PAR analysis
• Call, visit, and send periodic reminders to loan customers on scheduled repayments.
• Conduct post-disbursement spot checks on customers to confirm loan performance and utilization.
• Monitoring defaulters' repayments to stop recurrent non-compliance
• Maintain PAR level in compliance with CBN regulations
• Follow up with account officers to reconcile payments received and real-time transaction postings
• Evaluate product performance through collection and data analysis
• Provide weekly report on turnover on loan accounts
• Maintain an effective trigger reporting system for credit impairments and propose corrective actions.
• Provides support to the legal, recovery, marketing and compliance department on non-performing loans
• Presentation of repayment cheques
• Responsible for achieving monthly PAR target
• Negotiate payment plans with defaulters

Job Requirements

• HND / BSc in any field
• A minimum of 2 years banking experience in a credit monitoring or analysis role
• Evidence of completion or exemption from NYSC
• Knowledge of banking operations, credit risk management, fraud management, Loan Recovery / Debt Management.

Qualifications / Skills:

• Strong leadership and people management skills
• Excellent interpersonal and communication skills
• Excellent verbal and written communication skills
• Proficient in the use of MS Office Suite
• Excellent negotiation and persuasive skills
• Excellent negotiation and persuasive skills
• Administrative and managerial skills
• Ability to multi task and handle pressure.

Application Closing Date: 3rd January, 2023.

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

3.) Head, Internal Audit & Compliance

Job Location: Lagos Mainland, Lagos
Employment Type: Full-time

Job Summary

• The Head of Internal Audit & Compliance is responsible for the development, management and evaluation of internal control systems in the Bank.
• The Internal auditor develops and implements the annual internal audit program and ensures that the audit objectives are met. The job holder provides reasonable assurance on the effectiveness and strength of internal controls.

Duties and Responsibilities

• Develops an annual risk-based internal audit plan and oversees the implementation of the approved plan
• Ensures methodical documentation of work plans, testing results, conclusions, and recommendations, and ensures follow-up on findings and corrective actions.
• Provide technical assistance with investigations and special audits, and provide subject-matter expertise as needed.
• Remains current on audit regulatory oversight trends and develops a risk-based approach incorporated into the annual audit plan.
• Performs regular bank-wide risk assessment to identify significant risks or exposure related to internal controls or compliance with regulatory requirements, efficiency of operations, and accuracy of financial reporting.
• Provides feedback and recommendations on business risks and improves operational efficiencies and processes where appropriate.
• Using problem-solving and critical thinking skills to quickly identify internal control deficiencies, evaluate their risk implications, and draw the appropriate conclusions
• Lead the setup of the enterprise risk assessment for the bank and develop a risk log
• Conduct follow-up reviews of financial, operational, or regulatory compliance deficiencies noted during audits.
• Directs the work of external auditors to ensure the audit work remains within the prescribed guidelines.
• Coordinates and assists with the preparation of Audit Committee materials and participates in audit committee meetings
• Investigates and reports to the Audit Committee on activities reported through the Hotline/Whistleblower processes and assists in investigations.
• Initiates policy and process reviews, including ensuring they are up-to-date with all legislations and best practices
• Implements the anti-fraud campaign and assesses compliance
• Prepares monthly regulatory renditions and returns
• Flexibility to carry out any other task as requested by Management

Qualifications

• HND / B.Sc. in IT, Information Systems, Mathematics, Accounting, Banking and Finance or a related field
• Evidence of completion or exemption from NYSC
• Evidence of ICAN certification is an added advantage
• Evidence of completion of the Microfinance Certification program

Experience:

• A minimum of five (5) years of experience in Internal Audit in a Microfinance Bank, financial institution or audit firm
• Prior managerial experience in a similar role or capacity
• In-depth knowledge of Internal control framework for the Microfinance Industry

Skills:

• Strategy planning and implementation
• Organization and time management abilities
• Leadership, team management and mentoring
• Outstanding communication and people skills
• A logical approach to identifying and evaluating issues and problem-solving
• Meticulous attention to detail and accuracy
• Ability to multi-task and meet tight deadlines
• Ability to interact with senior management and stakeholders, including regulators
• Extensive knowledge of all regulatory policies and procedures
• Proficient writing and delivery of presentations and documentation
• Risk Management techniques
• Proficient writing and delivery of presentations and documentation
• Proficient in the use of MS Office Suite
• Unquestioned personal integrity with strong ethics and values.

Application Closing Date: 3rd January, 2023.

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

4.) Marketer

Job Location: Lagos Mainland, Lagos
Employment Type: Full-time

Job Summary

• A Marketer is responsible for prospecting, marketing, business development and income generation in line with the key performance indicators.
• The Marketer 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.
• Executes marketing strategies 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.
• 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 the customer service experience.
• Achieve a healthy portfolio and deposit mix.
• Identify potential loan markets and develop preferred 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 or exemption from NYSC.

Experience:

• 3 - 10 years of work experience
• Previous experience in a marketing role at 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.
• 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
• Strong business sense and industry expertise.
• Basic understanding of sales principles and customer service practices.
• Friendly, helpful, confident, and engaging personality.
• Proficient in the use of MS Office suite.

Application Closing Date: 10th Janaury, 2024.

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