Head, Business Development & Operation
Location: Victoria Island, Lagos
Employment Type: Full-time
Work Type: Hybrid
Company: TFS Lending & Paytro
Reports to: COO & Group Executive Director
Responsibilities
Business Development & Portfolio Growth:
- Drive loan book growth aligned with the company's risk appetite. Optimize yield across loan products.
- Establish strategic partnerships with banks and fintechs to streamline disbursement and repayment applications.
- Conduct market and regulatory analysis to ensure compliance with CBN regulations.
Credit Risk Management:
- Supervise credit risk analysis of financial statements, credit reports, and collateral.
- Monitor Approval Quality Index by tracking default rates of approved loans. Keep credit review error rate below 2%.
Portfolio Health Monitoring:
- Manage Portfolio at Risk by identifying early signs of delinquency.
- Minimize Non-Performing Loan (NPL) ratio through restructuring, payment plans, and settlements.
Loan Recovery & Collections:
- Lead recovery strategy to improve overall recovery rate across portfolios.
- Reduce annual write-off rate. Ensure compliance with CBN regulations and Nigerian debt recovery laws.
Loan Operations Efficiency:
- Reduce average loan process:ing TAT (24-72 hours).
- Achieve >90% SLA compliance for customer and bank inquiries.
- Guarantee 100% error-free documentation and disbursement accuracy. Oversee loan management systems (e.g., Loan Disk).
Team Leadership & People Management:
- Drive team KPI achievement rate (>80%).
- Track productivity per officer. Monitor and reduce absenteeism rate (<5%) by enforcing attendance policies.
Revenue Generation & Growth:
- Own and drive revenue targets for the e-commerce business
- Identify and execute strategies to increase sales and profitability
- Optimise pricing, product mix, and sales channels
- Work with marketing/BD to drive campaigns that convert to revenue.
Operational Strategy & Execution:
- Develop and implement operational strategies aligned with business goals
- Translate business objectives into clear operational plans and workflows
- Monitor and improve operational efficiency across all functions
Order Fulfilment & Logistics:
- Oversee end-to-end order processing (order placement → delivery)
- Ensure timely, accurate, and cost-effective order fulfilment
- Manage relationships with logistics and delivery partners
- Resolve delivery issues, delays, and escalations
E-commerce Platform Management:
- Oversee daily operations of the e-commerce website
- Ensure product listings are accurate, updated, and optimised
- Coordinate with team members on platform performance and issue resolution
Customer Experience & Support:
- Ensure a seamless end-to-end customer journey
- Oversee customer service operations (queries, complaints, returns)
- Implement processes to improve customer satisfaction and retention
Data Analysis & Reporting:
- Track and analyse key performance indicators (KPIs):
- Order fulfilment rate
- Delivery timelines
- Customer satisfaction
- Return rates
- Generate weekly/monthly operational reports
- Use data to drive decision-making and process improvements
Qualifications & Requirements
- Bachelor’s degree in Business Administration, Operations Management, or related field
- 3+ years experience in operations (preferably in e-commerce & loan financial services)
- Strong understanding of supply chain, logistics, loan operations and inventory management
- Experience with e-commerce & buy now pay later (e.g., Jumia, Konga)
- Data-driven with strong analytical skills
- Excellent organisational and problem-solving abilities
- Strong negotiation and commercial skills
- Data-driven and highly analytical.
Salary
N600,000 - N700,000 per month.
Application Closing Date
Not Specified.
How to Apply
Interested and qualified candidates should:
Click here to apply online