TEAM LEAD, CONSUMER LENDING AT FINA TRUST MICROFINANCE BANK | TEAM LEAD, CONSUMER LENDING JOBS IN ABUJA

About Company:

Fina Trust Microfinance Bank, a member of LOLC Group with corporate Head Office in Colombo - Sri Lanka, is one of Nigeria’s foremost Microfinance Banks. Its operating license was secured from the Central Bank of Nigeria (CBN) in September 2009 as a Microfinance Bank. Fina Trust Microfinance Bank has built a resounding success on excellent service delivery in a uniquely customer friendly environment through professional staff, leveraging on world-class technology. A continuous investment in information technology and in people sets the bank apart from others.

Job Description:

• The team Lead – Consumer Lending is responsible for driving the origination, management, and performance of consumer loans secured through government payroll deduction agreements.
• The role combines hands-on loan origination, team leadership, relationship management, and compliance oversight to ensure sustainable portfolio growth, high credit quality, and excellent customer experience.

Key Responsibilities

• Originate and manage consumer loans secured through government payroll deduction agreements.
• Lead, supervise, and motivate a team of Direct Sales Agents (DSAs) and/or Sales Officers to achieve lending targets.
• Educate government employees on loan products, terms, repayment structures, and eligibility requirements.
• Review and analyze credit applications, income verification documents, and payroll deduction authorizations to assess creditworthiness.
• Ensure all loan files comply with internal credit policies, regulatory requirements, and government payroll program guidelines.
• Coordinate with payroll offices, HR departments, and third-party administrators to initiate, validate, and maintain payroll deductions.
• Monitor team loan pipelines and ensure timely processing, approval, and disbursement of loans.
• Maintain accurate, complete, and up-to-date loan documentation and records.
• Meet or exceed monthly loan production, portfolio quality, and customer satisfaction targets (individual and team).
• Track loan performance and proactively address repayment risks arising from payroll changes, employment status, or deduction delays.
• Provide exceptional customer service throughout the entire loan lifecycle.
• Conduct regular coaching, performance reviews, and field support for DSAs/Sales Officers.
• Stay current on lending regulations, consumer protection laws, and government payroll deduction policies.
• Prepare and submit periodic performance and portfolio reports to management.

Requirements:

• Strong leadership and people management skills
• Customer-focused mindset with ethical sales practices
• Credit analysis and underwriting fundamentals
• Excellent sales, negotiation, and relationship-building abilities
• Strong verbal and written communication skills
• High attention to detail with strong organizational capability
• Ability to work independently and manage multiple loan pipelines
• Effective time management and goal orientation
• Proficiency in loan origination systems and Microsoft Office applications.

Qualifications and Skills:

• Minimum of 5 years total work experience in consumer lending, credit, or financial services.
• At least 2 years’ experience leading a team of DSAs or Sales Officers.
• Prior experience with payroll deduction loans or government employee lending is strongly preferred.
• Sound knowledge of consumer credit laws, lending regulations, and compliance requirements.
• Proven track record in loan origination and target-driven sales environments.

Salary

Application Closing Date: 15th February, 2026

Application Instructions:

Interested candidates should forward their Resume to: hr@finatrustmfbank.com using the position as the subject of the email.