Credit Product Manager


Company Confidential
Industry Banking/Inves...
Category Banking
Location Osu
Job Status Full-time
Salary 6500
Education Degree/Diplom...
Experience 6 years
Job Expires Apr 30, 2021
Contact ...

Job Description

Key Responsibilities

% of Time

Performance tasks

 1. Commercial enablement


  • Ensures that the products assigned are aligned with company objectives and strategy and provide a competitive edge.
  • Leads sales efforts to achieve disbursement targets.
  • Engages and manages key stakeholders such as traders’ associations’ leaders, market queens and employers to win their support for the company’s commercial efforts.


2. Disbursement and portfolio growth



  • Reviews and approves the sales plans of assigned credit officers and relationship managers on ongoing basis.
  • Proactively manages pipeline conversion with the goal of achieving agreed disbursement targets.
  • Reviews loan applications for completeness and accuracy and liaises with Risk for timely approval of loans.
  • Ensures that disbursement and portfolio growth targets are consistently achieved.





3. Asset quality





  • Ensures that loan underwriting meets the standards set.
  • Ensures full compliance with loan monitoring portfolio management procedures.
  • Responsible for attainment of portfolio quality targets for the assigned book.

Required Skills or Experience

Education and Experience

  • At least 6 years’ experience in SME lending institution, bank or development institution, 3 of which should be in supervisory or managerial capacity.
  • Bachelor’s degree in business management, commerce, business administration or related field
  • Practical experience in managing and supervising microfinance credit operations gained from a similar or a related banking or financial institution.
  • Practical experience in setting up and implementation of credit and risk management policies, practices, procedures and guidelines.
  • Knowledge and experience in lending (Group/individual), credit and risk management, client screening, collateral, product design, loan approval processes, repayment terms and incentives, delinquency and default management.
  • Knowledge of the micro finance and banking industry including micro and macro environmental factors and trends, micro finance products and poverty eradication strategies.
  • Understands the trends and scope of credit methodology in the microfinance and banking industry, and its impact on the company’s activities.

Required Skills

  • Exceptional oral and written communication skills with the ability to communicate clearly and persuasively, interpret documents, understand procedures, write reports and correspondence; speak clearly to third parties and employees.
  • Ability to consolidate and prepare credit and risk statutory reports;
  • Ability to set, monitor, and assess achievements against performance targets and quality standards (portfolio quality, profitability, product performance, risk management);
  • Excellent organization, performance management, administration, and time management skills;
  • Ability to handle difficult people and tense situations with diplomacy and tact;
  • Ability to organise and motivate others, who in many cases may be in a more senior position;
  • Strong team building skill and experience with the ability to enthuse, inspire, develop and motivate employees;
  • Ability to supervise, train and foster the development of a Team, providing feedback, support and encouragement;
  • Strong analytical, influencing, and negotiation skills;
  • Assertive and has initiative and personal drive; and
  • Intermediate skills in personal computer operation
  • Proficiency in Microfinance MIS skills.

How To Apply

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