One Credit Limited Job Openings in Nigeria, January 20th 2015
One Credit Limited is a registered consumer finance company in Nigeria.
The company is a capex-light, technology enabled, provider of unsecured
loans to salaried consumers in Nigeria.
We are recruiting to fill the position of:
Job Title: MIS & Analytics Officer
Location: Nigeria
Job Descriptions
- Obtain accurate and timely data and produce a number of reports,
regular and ad-hoc, designed to inform Management and Board about key
aspects of the business: Customer Experience; Sales, Credit and
Operational Risk.
- Through analysis of data and trends, make recommendations for change.
Reporting:
- Provide MIS and portfolio analytics in a timely manner.
- Produce monthly MI packs and other periodic/adhoc reports to cover the following areas:
- Leads Management and Sales Analysis
- Turn-Around-Time (TAT)
- Through-the-door Analysis
- Delinquency (Various cuts)/ NPLs
- Fraud Tracking (FPD and Non Starters)
- Net flow/ Loss Rate
- Collections
- Customer Service reports etc.
Analytics:
- Data analysis, data mining and predictive modelling applied to all products and markets.
- Responsible for ensuring the collection of the right data that supports business objectives.
- Lead in introducing concepts and ideas that generate the right
kinds of analytics and trends that allow for optimization and efficiency
throughout the organization.
Others:
- Collection queue definition, management and reporting; perform periodic test to ensure collection efficiency.
- Provide collection policy and strategy feedback
Desired Skills and Experience
- A University Degree in any numerate
- Minimum of 3 years
- Preferably in Consumer Risk Management, Finance Support, Business Intelligence, Performance Management or MIS/ Analytics
- High level of Numeracy
- Problem Solving
- Intermediate Excel Skills or SQL Skill
- Data Manipulation
- Excellent presentation and writing skills
- Critical reasoning
Interested and qualified candidates should:
Click here to apply online
Job Title: Risk Manager
Location: Nigeria
Job Descriptions
Planning, designing and implementing an overall risk management process for the organisation. This includes but not limited to:
- Identifying Loss drivers
- Collections Strategy and Operations
- Operational Risk
- Fraud Prevention and Control
Risk Evaluation and Measurement:
- Risk Policy
- Establish and implement principles and credit policies that are aligned to the needs of One Credit.
- Implement credit policies in a timely and proactive manner that
supports profitable portfolio growth and minimized exposure to
unprofitably high risk segments/ markets.
- Maintain risk policy documentation and communication channels to all business partners.
- Credit Scoring and underwriting policies
Analytics and Business Intelligence:
- Manage the performance of the portfolios by providing MIS and
any necessary analysis to senior management in a timely manner. Produce
detail monthly risk packs and periodic business intelligence reports.
- Provide data mining and analytical support for various credit risk initiatives. This includes but not limited to:
- Customer profiling
- Marketing
- Sales
- Collections and Recovery
Own the design and pilot programs for consumer lending and credit card products.
Desired Skills and Experience
- Minimum of 7 years relevant experience.
- Preferably in Consumer Risk Management, Finance Support or Performance Management
- High level of Numeracy
- Problem Solving
- Intermediate Excel Skills or SQL Skill
- Data Manipulation
- Excellent presentation and writing skills
- Critical reasoning
Interested and qualified candidates should:
Click here to apply online
Job Title: Underwriter- Team Lead
Location: Nigeria
Job Descriptions
- Strategic 20%
- Support data analysis to identify improved risk assessment decisions.
- Provide feedback for underwriting policy reviews and update.
- Support strategic initiatives in terms of risk scoring, ID checking and automated acceptance.
- Day to Day (80%)
- Manage daily Loan Origination Chain from data entry to approval stage.
- Perform detailed analysis on loan applications with reference
to One Credit policies to assess suitability and affordability of
applicants
Key Performance Indicators
- Disburse 98% of One Credit Loans within agreed turn-around-time
- Achieve less than 1% operational fraud loss
- Achieve less than 1% loss due to underwriting errors
- Achieve one underwriting policy improvement per quarter
- Perform data checks and verification to ensure accurate customer information is captured for all One credit applicant.
- Ensure appropriate KYC and credit reference checks are completed as part of the loan application process.
Desired Skills and Experience
- Good education with minimum of 3 years work experience
- Preferably in Retail Credit or Risk Management
- Must be able to build, develop and grow team
- Must be able to handle assigned projects from concept to realization with little to no supervision
- Must be able to achieve customer satisfaction within a highly regulated environment
- Must have good attention to details, critical reasoning and problem solving skills
- Must have excellent writing and verbal skills
- Must have a very high level of computer literacy
Interested and qualified candidates should:
Click here to apply online
Job Title: Product Manager
Location: Nigeria
Job Descriptions
- Increase Profitability of Existing Products.
- Develop new products that meet the needs of future customers.
- Obtain and share competitor information.
- Produce MI reports for the business.
- Guide the marketing effort.
- Develop partnerships with organisations that have a good commercial fit.
Key Responsibilities
- Managing the entire product line life cycle from strategic planning to tactical activities
- Specifying market requirements for current and future products
by conducting market research supported by on-going visits to customers
and non-customers.
- Driving a solution set that helps the organisation to be competitively advantaged
- Developing and implementing a company market plan, working with all departments to execute.
- Analyzing and developing potential partner relationships
- Managing relationships with partners
- Accurate MI reports, meaningful and on time
Requirements
- 3+ years of experience in product management and marketing.
- Knowledgeable in technology, industry, marketing techniques and product management
- Innovative but strategic
- Market research experience beneficial
Interested and qualified candidates should:
Click here to apply online
Job Title: Compliance and Fraud Officer
Location: Nigeria
Role and Purpose
- To ensure compliance with agreed procedures.
- To ensure operational losses are kept to a minimum.
- To prevent fraud.
- To ensure lessons are learned from any fraudulent activity, controls improved and no recurrence.
- No regulatory breaches.
Job Descriptions
- Analyse all first payment defaults, non-starters and severe
collection cases to confirm due diligence in the underwriting process
and determine root cause.
- Perform compliance spot check and reviews on customer files – applications and loans disbursed.
- Monitor and promptly report all fraud incidents- actual and attempted - and ensure records/files are kept for future reference
- Investigate fraud incidents to ensure cases are properly investigated, lessons learned and recommendations for change made
- Stay on top of the latest trends and developments in the fraud
industry and circulate current fraud trends and other awareness material
to the applicable teams.
- Implement fraud prevention and anti-fraud management tools; automate processes.
- Revenue assurance - review all income lines and GL to ensure correctness and prevent loss of revenue.
- Follow up to ensure that all regulatory reports/returns are made on time
Key Performance Indicator
- Operational Loss Rates and Trends
- Timeliness and accuracy of reports
- Relevance and quality of recommendations and forecasts
- Regulatory fines
Minimum Qualification
- A University degree in a numerate or finance degree
Experience
- Minimum of 3 years
- Preferably in Risk Management, Intrenal Control, Compliance
Required Skills
- A "detail" person
- High level of Numeracy
- Problem Solving
- Intermediate Excel Skills or SQL Skill
- Data Manipulation
- Excellent presentation and writing skills
- Critical reasoning
Interested and qualified candidates should:
Click here to apply online