Credit & Marketing Officer at HR Aid

About the Role

HR Aid is seeking a dynamic Credit & Marketing Officer to drive business growth through effective marketing and credit operations. This central role is responsible for building and managing client relationships, executing credit assessments, growing the company's loan portfolio, and ensuring excellent customer experience. You will be instrumental in increasing revenue through the sale of financial products while managing risk assets in accordance with company policies.

Reporting Structure

Reports to: Head of Credit & Marketing / Business Development / Chief Operating Officer (COO)

Core Responsibilities

Business Development & Client Engagement

• Proactively acquire and manage new and existing clients to grow loan and deposit portfolios
• Conduct business reviews to ensure client satisfaction and loyalty
• Develop tailored financial solutions based on client needs and business models
• Prepare and present proposals, marketing pitches, and client onboarding documentation
• Monitor competitor activities and industry trends to adjust marketing strategies accordingly

Credit Operations

• Conduct preliminary credit screening and risk assessments for loan applicants
• Ensure facility requests meet the company's target market definition and credit criteria
• Liaise with internal departments to process credit applications promptly
• Maintain accurate documentation for all credit transactions in line with policy

Portfolio and Risk Management

• Identify early warning signs of potential delinquency and proactively engage clients
• Implement timely and strategic recovery actions for non-performing accounts
• Maintain a healthy loan portfolio aligned with risk management frameworks
• Collaborate with the risk team to ensure policy compliance and loan integrity

Reporting and Documentation

• Prepare and submit daily, weekly, and monthly activity reports, including call memos and sales pipelines
• Maintain accurate and timely documentation of all transactions and client interactions

Compensation

Salary: ₦300,000

Location

Lagos, Nigeria