Credit Operations Manager

Job Description: Credit Operations Manager

Role Title: Credit Operations Manager

Location: Ikeja, Lagos

Role Overview

The Credit Operations Manager will lead end-to-end credit operations for a fast-growing digital finance and device-financing business. The role is responsible for credit processing, disbursement, customer verification, collections oversight, merchant/partner operations, and ensuring all credit workflows run with speed, accuracy, and zero tolerance for leakages.

The ideal candidate is highly analytical, operations-driven, detail-oriented, and able to build systems that scale. This person must thrive in a high-volume, tech-enabled lending environment and ensure exceptional customer and merchant experience while safeguarding portfolio quality.

Key Responsibilities

1. Credit Processing & Underwriting Oversight

• Supervise daily credit applications across all products (device financing, salary loans, solar financing, partner credit programs).

• Ensure timely KYC, affordability checks, risk scoring, and verification processes.

• Work with tech teams to refine automated scoring rules and reduce manual intervention.

• Approve or escalate borderline applications in line with delegated approval limits.

• Monitor risk flags, fraud attempts, and duplicate applications.

1. Disbursement & Loan Administration

• Oversee daily loan disbursement runs to customers and partners.

• Manage reconciliation of loan disbursements, merchant payouts, and repayments.

• Ensure 100% accuracy in credit-related entries on dashboards, MIS, and financial systems.

• Work closely with Finance to resolve reconciliation gaps quickly.

1. Collections Strategy & Portfolio Quality

• Lead the early-stage collections team; track delinquency buckets and recovery performance.

• Implement repayment reminders, repayment automation, and escalation processes.

• Monitor portfolio risk metrics (PAR, default rates, roll rates) and drive corrective actions.

• Collaborate with external collections agencies where required.

1. Merchant & Partner Operations (Device & Solar Partners)

• Oversee onboarding, verification, and performance monitoring of merchants and agents.

• Ensure smooth device financing flows: device activation, smart locks, partner payouts, inventory confirmations, and dispute resolution.

• Support partners with reporting dashboards and credit-related queries.

• Ensure service-level agreements are met by all merchants and agents.

1. Process Improvement & Automation

• Work with product and engineering teams to build and refine credit workflows, including:

• Digital KYC automation

• Salary verification integration

• Smart lock and device API flows

• Automated messaging and reminders

• Merchant onboarding flows

• Implement SOPs and documentation for all credit processes.

1. Regulatory Compliance & Risk Management

• Ensure all credit operations comply with internal policies, regulatory guidelines, and audit requirements.

• Maintain proper documentation, audit trails, dashboards, and reporting logs.

• Prepare credit performance reports for management and board-level reviews.

1. Team Leadership & Performance Management

• Lead and mentor credit officers, verification staff, collections agents, and field partners.

• Set KPIs around speed, quality, turnaround time (TAT), repayment performance, and customer/merchant satisfaction.

• Develop a culture of accountability, ownership, and high performance.

Required Skills & Experience

Experience

• 5–8 years experience in credit operations, digital lending, consumer finance, fintech, or microfinance.

• Strong exposure to credit risk assessment, disbursement processes, collections, or merchant operations.

• Experience managing high-volume credit applications and tech-enabled workflows.

Technical Skills

• Strong understanding of KYC, credit scoring, affordability assessment, and fraud risk.

• Good command of Excel/Google Sheets, dashboards, and MIS tools.

• Experience working with CRM, loan management systems, or core banking systems.

• Comfortable working with product and engineering teams to improve automation.

Competencies

• Detail-oriented and process-driven

• Strong people leadership

• Analytical mindset with strong problem-solving skills

• High sense of ownership, speed, and urgency

• Excellent communication and stakeholder management

• Ability to thrive in fast-paced, high-growth environments

Interested and qualified candidates should send their CV and a brief cover email to:

Subject: Credit Operations Manager – Application

Include in your email:

• A short summary of your relevant experience

• Your current notice period

• Your availability for interviews

• Your salary expectation

• One key achievement in credit, underwriting, or collections