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We are hiring a proactive and experienced Head of Credit to manage credit operations in Kano. This role is based in Kano and will oversee lending activities in Kano. The successful candidate will bring a strong background in micro-lending, fintech lending platforms (e.g., Palmpay, Opay), or microfinance institutions, and must be capable of working directly with clients and field teams.

• Direct all credit operations in Kano.
• Define and enforce credit standards and procedures tailored to the regional market.
• Monitor credit performance, PAR levels, and delinquency rates.
• Oversee loan approvals, disbursement processes, and recovery efforts.
• Work hand-in-hand with sales agents to assess customer viability at the point of sale.
• Conduct on-site visits to evaluate customer businesses and validate loan requests.
• Ensure credit decisions are data-driven and reflect real-time client assessments.
• Lead a credit team consisting of 1 CRO, 1 Loan Officer, and 1 Recovery Agent in the region.
• Drive performance through KPIs, coaching, and structured credit evaluation processes.
• Promote accountability, transparency, and efficiency in the field.
• Ensure adherence to internal credit policies and external regulatory frameworks.
• Mitigate risks through sound portfolio management and consistent loan monitoring.
• Maintain up-to-date client documentation, including KYC, affordability checks, and site verifications.
   

• Minimum of 3-5years in credit, lending operations, or collections within fintech lending platforms, consumer finance, or microfinance banks.
• Strong credit evaluation and recovery background.
• Experience managing teams and delivering performance across multiple locations.
• Bachelor's Degree in Finance, Business Administration, Economics, or related discipline.
• Familiarity with lending in Kano region is a strong advantage.
  
  To apply, send CV to hr@koolboks.com
  Application Deadline: 14th December 2025