About the Role
Huko Advisory Services, a premier human capital development and value-based company headquartered in Lagos, Nigeria, is seeking a dynamic and experienced Head of Credit to lead our client's credit operations. In this pivotal role, you will provide strategic and operational leadership for the credit function, ensuring responsible loan growth, sound credit underwriting, effective portfolio management, and robust asset quality across both commercial and microfinance portfolios.
Key Responsibilities- Develop and implement the bank’s credit strategy, aligning lending policies with business objectives and risk appetite while ensuring strict compliance with CBN regulations.
- Oversee the end-to-end credit lifecycle, reviewing complex, high-value credit proposals and making sound underwriting decisions within delegated authority.
- Monitor and manage portfolio performance, proactively tracking PAR, NPL, delinquency rates, sector concentrations, and recovery processes.
- Provide strategic oversight for microfinance, retail, SME, and commercial lending operations to maintain optimal asset quality.
- Lead, mentor, and coach the credit team, fostering a strong culture of credit discipline, integrity, and proactive risk management.
- Bachelor's degree or HND in Finance, Accounting, Economics, Banking & Finance, Business Administration, or a related field.
- 8 to 10 years of progressive banking experience, with at least 5 years specifically in Credit, Credit Risk, or Portfolio Management.
- Mandatory working experience in both a Microfinance Bank and a Commercial Bank, including at least 3 years in a senior managerial credit role.
- ACIB/CIBN qualification with Microfinance Certification is required; additional certifications such as ICAN, ACA, ACCA, CFA, FRM, or an MBA are highly advantageous.
- Comprehensive knowledge of CBN guidelines, financial statement analysis, credit structuring, and debt recovery strategies.
- Competitive salary and performance-based incentive structures.
- Comprehensive health insurance and wellness coverage.
- Opportunities for professional development and executive leadership growth.
- Dynamic and collaborative work environment in the heart of Lagos.