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.
Underwriter - Team Lead
Job TypeFull Time
QualificationBA/BSc/HND
Experience 3 years
Location Lagos
Job Field Law / Legal
Job description
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
MIS Analytics Officer
Job TypeFull Time
QualificationBA/BSc/HND
Experience 3 years
Location Lagos
Job Field ICT
Job description
(a) 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. (b) 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
Product Manager
Job Type
QualificationBA/BSc/HND
Experience 3 years
Location Lagos
Job Field Project Management
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
Risk Manager
Job Type
QualificationBA/BSc/HND
Location Lagos
Job Field Finance / Accounting / Audit
Job description
Risk Management
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
Compliance and Fraud Officer
Job Type
QualificationBA/BSc/HND
Experience 3 years
Location Lagos
Job Field Finance / Accounting / Audit
ROLE-PURPOSE
(a) To ensure compliance with agreed procedures. (b)To ensure operational losses are kept to a minimum. (c) To prevent fraud. (d) To ensure lessons are learned from any fraudulent activity, controls improved and no recurrence.(e) No regulatory breaches.
JOB DESCRIPTION
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 INDICATORS
Operational Loss Rates and Trends
Timeliness and accuracy of reports
Relevance and quality of recommendations and forecasts
Regulatory fines
MINIMUM QUALIFICATIONS
A University degree in a numerate or finance degree
EXPERIENCE
Minimum of 3 years
Preferably in Risk Management, Intenal 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
Method of Application
Use links below to apply:
Underwriter - Team LeadMIS and Analytics OfficerProduct ManagerRisk ManagerCompliance and Fraud Officer
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August 14, 2014, 08:29:57 AM