The Portfolio Manager is responsible for overseeing the Bank’s loan portfolio to ensureoptimal portfolio quality, strong repayment performance, and effectivemanagement of credit risks.

Requirements

· Lead and oversee themonitoring of the Bank's loan portfolio, ensuring continuous assessment ofportfolio quality, repayment performance, delinquency, and overall portfoliohealth across all lending segments (SME, Digital Lending, PublicSector/Deducted-at-Source, and other product lines).

· Analyze portfolio trendsand performance indicators to identify early warning signals, emerging risks,concentration risks, and deteriorating accounts, and recommend appropriatecorrective actions.

· Conduct vintage and cohortanalysis to track loan performance by disbursement period, identifyingunderwriting quality drift and informing credit policy adjustments.

· Supervise the preparationof accurate and timely portfolio reports, dashboards, and management insightsfor senior management and other relevant stakeholders.

· Lead the review andanalysis of portfolio quality metrics, including PAR, NPLs, delinquency rates,collection performance, loan aging, write-offs, and recoveries.

· Coordinate the monitoringof loan exposures and repayment behavior, ensuring that potential problemaccounts are identified and escalated promptly to recovery in line with definedhandover thresholds and criteria.

· Oversee monitoring ofrestructured, rescheduled, and forborne loans, ensuring appropriate trackingdistinct from standard delinquency reporting.

· Provide strategicrecommendations to improve portfolio performance and asset quality, workingclosely with Credit, Risk, Recovery, Finance, Operations, and other relevantfunctions.

· Lead and manage thePortfolio Management team, including assigning responsibilities, monitoringperformance, providing coaching, and ensuring achievement of team objectives.

· Develop and improveportfolio monitoring processes, controls, dashboards, and reporting tools toenhance portfolio visibility, risk identification, and decision-making.

· Investigate significantportfolio exceptions, deteriorating trends, and operational issues, ensuringappropriate root-cause analysis, escalation, and follow-up actions.

· Ensure compliance withapproved lending policies, internal controls, regulatory requirements, andportfolio management standards, escalating material breaches and risksappropriately.

· Support timely andaccurate portfolio input into statutory and regulatory returns, including CBNprudential reporting requirements.

· Coordinate with Financeand Risk on IFRS 9/ECL staging classification, ensuring portfolio dataappropriately supports impairment assessment and provisioning.

· Monitor collateral andsecurity coverage on secured lending exposures, ensuring valuations remaincurrent and coverage ratios are tracked and reported.

· Support management inportfolio planning and forecasting, providing data-driven insights on portfoliogrowth, risk exposure, expected performance, and emerging challenges.

· Ensure the accuracy,integrity, and completeness of portfolio data, including reconciliation betweenthe core banking/loan management system and BI reporting outputs, working withrelevant teams to resolve discrepancies.

· Prepare and compileportfolio performance analysis, key risk trends, and recommended actions tosupport the Head of Portfolio Management's presentations at portfolio reviewmeetings and credit/risk committees, attending as required to providesupporting detail.

· Participate in portfolioreview meetings and credit/risk committees, presenting portfolio performance,key risks, trends, and recommended actions.

EDUCATIONREQUIREMENT

Bachelor’s degree in Accounting, Finance, Economics, Business Administration, or a related discipline.
Certifications such as CIBN, CFA, ACCA are added advantage.
6 years of hands on experience.

Benefits

Hybrid work model
13th month salary
Comprehensive medical allowance for employee and family
Annual trainings
Leave Allowance
Quarterly subsidy upon confirmation
Competitive pay

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