HEAD OF LOAN AT SABI | FINANCE JOBS IN LAGOS

About Company:

Sabi is a category agnostic B2B network for informal trade focused on accelerating the velocity of commerce by enabling stakeholders in the informal sector to access and offer value amongst each other. We work to understand the individual needs of merchants by engaging them through different channels before connecting them to whichever service(s) that best helps them grow their business.

Job Description:

• Lending Strategy & Leadership: Define and execute the bank’s lending roadmap in alignment with CBN microfinance guidelines. Lead expansion across digital channels, agent networks, and ecosystem integrations.

• Portfolio Growth: Drive monthly disbursement targets for Micro, SME, and Retail segments while maintaining a high-quality pipeline.

• End-to-End Loan Operations: Oversee the full credit lifecycle—from origination and underwriting to disbursement and closure—ensuring maximum operational efficiency.

• Risk & Compliance: Partner with Risk and Compliance teams to implement fraud prevention and early warning systems. Maintain a zero-tolerance policy for documentation gaps.

• Collections & Remedial Oversight: Provide strategic direction for collections and delinquency management to maintain low PAR (Portfolio at Risk) and NPL (Non-Performing Loan) levels.

• Stakeholder Management: Deliver monthly and quarterly performance reports to the Board and collaborate across the Sabi/Katsu ecosystem to drive supply-chain lending initiatives.

Lending Framework & Lifecycle

The Head of Loans oversees the integration of sales, risk, and recovery to ensure a balanced and profitable loan book.

Requirements:

• Strategic business development and pipeline management.

• High-level analytical skills for portfolio monitoring and trend adjustment.

• Ability to foster a culture of accountability and "customer-first" execution.

• Leadership: Proven track record of managing large teams across Credit Sales, Field Agents, and Operations.

• Technical Expertise: Deep understanding of loan performance metrics (PAR, NPL, roll rates) and credit underwriting rules.

• Niche Knowledge: Experience in Commodity-linked or Supply-Chain lending is highly preferred.

• Regulatory Knowledge: Strong command of Nigerian financial regulations and operational frameworks.

Qualifications and Skills:

• Education: Bachelor’s degree in Finance, Accounting, Economics, or a related field.

• Experience: 8–12+ years in Lending, Credit Operations, or Loan Management, with significant experience in the Microfinance or Digital Lending sectors.

Salary

Application Closing Date: Not specified

Application Instructions:

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