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Purpose Statement

• We are seeking a detail-oriented and highly organized Operations Officer with strong risk awareness and control experience to support the efficient day-to-day operations of our microfinance bank in Dawakin Kudu.
• The ideal candidate will be responsible for ensuring smooth transaction processing, maintaining strong operational controls, supporting compliance requirements, and proactively identifying and mitigating risks across operations.
• This role will work closely with and provide direct support to the Head of Finance & Operations, ensuring seamless execution of financial and operational activities across the branch.

Responsibilities

Daily Operations Management

• Process and monitor daily transactions including deposits, withdrawals, transfers, and loan disbursements.
• Ensure accuracy and completeness of all operational activities.
• Maintain proper documentation and record-keeping for all transactions.

Reconciliation & Reporting

• Perform daily, weekly, and monthly reconciliations of accounts, cash, and transactions.
• Investigate, resolve, and escalate discrepancies promptly.
• Prepare and submit operational reports to the Head of Finance & Operations.

Risk Management & Internal Controls

• Identify, assess, and mitigate operational and transaction risks across all activities.
• Ensure strict adherence to internal controls, policies, and procedures.
• Monitor and prevent fraud, errors, and irregular transactions.
• Escalate control breaches and recommend corrective actions.

Compliance & Regulatory Support

• Ensure adherence to internal policies and regulatory requirements.
• Support regulatory reporting and returns preparation as required.
• Maintain proper audit trails and documentation for all transactions.

Cash & Vault Management

• Manage cash handling processes including cash counts, balancing, and vault operations.
• Ensure proper cash control procedures are followed always.
• Monitor cash levels and escalate funding requirements where necessary.

Customer Service Support

• Provide prompt and professional support to customers on transactions and inquiries.
• Resolve customer issues efficiently and escalate where necessary.
• Ensure a seamless and positive customer experience.

Credit & Loan Operations Support

• Support loan processing, documentation, and disbursement activities.
• Ensure all credit files are complete and compliant with policy.
• Monitor loan repayments and flag overdue or high-risk accounts.

Support to Head of Finance & Operations

• Provide day-to-day operational and financial support to the Head of Finance & Operations.
• Assist with financial reporting, reconciliations, returns filing, and compliance activities.
• Support implementation of internal controls, SOPs, and process improvements.
• Ensure timely execution of directives and reporting requirements from management.

Process Improvement & Efficiency

• Identify gaps in operational processes and recommend improvements.
• Support implementation of SOPs and operational best practices.
• Ensure efficient use of banking systems and tools.

Key Performance Indicators (KPIs)

• Transaction Accuracy Rate
• Reconciliation Timeliness & Accuracy
• Number of Risk Incidents / Control Breaches
• Compliance with Internal Controls
• Cash Management Accuracy
• Customer Service Turnaround Time
• Error & Exception Rates

Requirements

• Bachelor’s degree in Finance, Accounting, Business Administration, or related field.
• Minimum of 3years experience strictly within a Microfinance Bank (MFB).
• Demonstrated experience in risk management, internal controls, or operations risk within a microfinance environment.
• Strong understanding of microfinance banking operations, reconciliation, and transaction processes.
• Experience with fraud prevention, risk monitoring, and compliance controls in an MFB.
• Hands-on experience supporting regulatory reporting and returns filing specific to microfinance institutions (CBN, NDIC, etc.).
• Proficiency in Microsoft Excel and core banking systems used in microfinance operations.
• Strong attention to detail and analytical skills.
• Good communication and interpersonal skills.
• Must reside in Kano State, preferably within or around Dawakin Kudu and its environs.

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Purpose Statement

• We are seeking highly driven and result-oriented Sales Officers to drive customer acquisition, deposit mobilization, and loan disbursement for our microfinance bank in Dawakin Kudu.
• The ideal candidate will be responsible for identifying new business opportunities, onboarding customers, and meeting aggressive sales targets while maintaining strong portfolio quality.
• This role requires individuals who are field-oriented, target-driven, and deeply familiar with the local market and customer segments within Kano State.

Responsibilities

Customer Acquisition & Business Development

• Identify, prospect, and onboard new customers (individuals and SMEs).
• Drive aggressive deposit mobilization and loan disbursement.
• Build and maintain a strong pipeline of prospective clients.
• Expand the bank’s customer base within Dawakin Kudu and surrounding areas.

Sales Target Execution

• Own and achieve assigned monthly sales targets (deposits, loans, and revenue).
• Consistently meet or exceed performance benchmarks.
• Maintain daily activity tracking and reporting of sales efforts.

Relationship Management

• Build and maintain strong relationships with customers.
• Provide ongoing support to ensure customer satisfaction and retention.
• Identify cross-selling opportunities based on customer needs.

Credit & Loan Origination

• Source quality loan opportunities in line with the bank’s credit policy.
• Conduct basic customer assessments and documentation.
• Ensure proper onboarding and complete credit documentation.
• Monitor loan performance and follow up on repayments.

Risk & Portfolio Quality Management

• Ensure high-quality loan bookings with minimal default risk.
• Monitor customer accounts and flag early warning signs.
• Support recovery efforts for overdue accounts.
• Maintain a healthy loan portfolio (low PAR/NPL levels).

Market Intelligence & Community Engagement

• Understand local market dynamics, customer behavior, and competition.
• Build a strong presence within the community and business clusters.
• Identify emerging opportunities and provide market feedback.

Key Performance Indicators (KPIs)

• Monthly Deposit Mobilization Volume
• Loan Disbursement Volume
• Customer Acquisition Numbers
• Portfolio Quality (PAR / NPL)
• Loan Repayment Rate
• Daily & Weekly Activity Levels
• Revenue Contribution 

Requirements

• Minimum of OND / HND / Bachelor’s degree in any relevant field.
• Minimum of 3years experience strictly within a Microfinance Bank (MFB) in a sales or business development role.
• Proven track record in deposit mobilization and loan origination within a microfinance environment.
• Strong understanding of local markets, SMEs, and informal sector dynamics in Kano State.
• Demonstrated ability to meet and exceed aggressive sales targets.
• Basic knowledge of credit assessment and risk management.
• Excellent communication, negotiation, and interpersonal skills.
• Highly motivated, target-driven, and field-oriented.
• Must reside in Kano State, preferably within or around Dawakin Kudu and its environs.

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