Overview

Ascentech Services Limited is a full-fledged Human Resource Solution Provider incorporated in 2013 with its Head Office in Lagos, Nigeria. We are committed to forging long-term partnerships with our clients by creating and delivering robust and flexible services that address the changing needs of their business.

Job Position: Head of Collections
Location: Kano

Job Summary

We are seeking a highly experienced and field-oriented Head of Credit to oversee all credit-related activities across the Northern region, with a base in Kano.

The ideal candidate must have a strong background in micro-lending, digital loan companies (e.g., Palmpay, Opay), or microfinance institutions, and possess a deep understanding of risk assessment, credit operations, and grassroots lending dynamics.

This role demands someone who is not only analytically strong but also highly mobile and hands-on, spending time in the field to assess clients directly, work closely with our sales agents, and help us build a strong, responsible loan portfolio.

Fluency in Hausa is required for effective communication and engagement with local customers.

Job Responsibilities

  1. Credit Strategy & Operations
  2. Lead credit operations across the Northern region (Kano, Yola, Abuja) in alignment with the company’s credit risk framework.
  3. Design, implement, and manage credit approval processes that are tailored to the socio-economic realities of the region.
  4. Monitor portfolio performance, ensuring high repayment rates and early risk detection.
  5. Guide and support credit officers, CROs, and recovery agents within the region.
  6. Customer Assessment & Field Work
  7. Collaborate closely with sales agents to identify high-potential and low-risk customers during onboarding.
  8. Personally conduct or oversee field visits for credit evaluation, especially for larger or high-risk clients.
  9. Ensure all client assessments include proper due diligence, affordability analysis, and KYC verification.
  10. Promote responsible lending and financial literacy within target communities.
  11. Team Leadership & Performance Monitoring
  12. Supervise a regional team consisting of 1 CRO, 1 Loan Officer, and 1 Recovery Agent.
  13. Develop KPIs and performance dashboards to ensure visibility on credit activities and portfolio health.
  14. Provide mentorship and support for continuous learning and ethical field practices.
  15. Stakeholder Collaboration
  16. Work closely with the National Head of Credit, risk teams, and sales leadership to align strategies.
  17. Act as the regional liaison for credit-related policy updates and operational changes.
  18. Collaborate with technology teams to improve credit tools and customer experience.
  19. Compliance & Reporting
  20. Ensure strict adherence to credit policies, KYC/AML requirements, and regulatory guidelines.
  21. Generate and submit regular reports on portfolio performance, delinquency trends, and operational insights.

Required Qualifications & Experience

  1. Minimum of 5 years’ experience in credit, risk management, or loan operations in a loan fintech (e.g., Palmpay, Opay), microfinance bank, or consumer lending institution.
  2. Proven field experience in customer evaluation, loan disbursement, and collections.
  3. Deep understanding of grassroots lending, informal sector borrowers, and local market behaviour.
  4. Bachelor’s Degree in Finance, Economics, Business Administration or related fields (MBA or professional certification is a plus).
  5. Proficient in Microsoft Excel and data-driven decision-making.

Competencies & Skills:

  1. Fluency in Hausa (spoken and written).
  2. Strong interpersonal and communication skills for both fieldwork and internal coordination.
  3. Excellent judgment in assessing borrower risk and ensuring compliance.
  4. High level of integrity, accountability, and leadership.
  5. Comfortable working in both office and rural field environments.
  6. Working Conditions:
  7. Based full-time in Kano, with frequent travel to Yola and Abuja.
  8. Combination of office-based responsibilities and regular field assessments.
  9. May be required to work extended hours based on client or portfolio needs.

How to Apply
Interested and qualified candidates should send their CV to: cv@ascentech.com.ng using the Job Title as the subject of the email.

Tagged as: Accounting, Finance