Team Lead - Consumer Lending

About the Role

An exciting opportunity has arisen for a motivated professional to lead our consumer lending team at Fina Trust Microfinance Bank in Lagos, Nigeria.

Key Responsibilities

• Originate and manage consumer loans secured through government payroll deduction agreements
• Educate government employees on loan products, terms, repayment structures, and eligibility requirements
• Analyze credit applications, income verification, and payroll deduction authorizations to assess creditworthiness
• Ensure all loan files meet internal policies, regulatory requirements, and government payroll program guidelines
• Coordinate with payroll offices, HR departments, and third-party administrators to set up and maintain deductions
• Maintain accurate and complete loan documentation and records
• Meet or exceed monthly loan production, quality, and customer satisfaction targets
• Monitor loan performance and proactively address issues related to repayment or payroll changes
• Provide exceptional customer service throughout the loan lifecycle
• Stay current on lending regulations, consumer protection laws, and government payroll deduction policies

Required Qualifications

• Minimum 2–5 years of experience in consumer lending, credit, or financial services
• Experience with payroll deduction loans or government employee lending strongly preferred
• Working knowledge of consumer credit laws and regulations
• Strong sales, negotiation, and relationship-building skills
• Excellent verbal and written communication skills
• High attention to detail and strong organizational skills
• Ability to work independently and manage a pipeline of loans

Skills & Competencies

• Customer-focused mindset
• Ethical sales practices
• Credit analysis and underwriting basics
• Time management and goal orientation
• Proficiency with loan origination systems and Microsoft Office