Head of Credit

Huko Advisory Services Limited—a human capital consulting and executive search firm—is recruiting a Head of Credit on behalf of a leading financial institution based in Lekki, Lagos State. Reporting directly to the Managing Director, this executive role provides strategic oversight for the institution's end-to-end credit architecture, portfolio risk management, microfinance/SME loan underwriting, Non-Performing Loan (NPL) recovery, and CBN regulatory compliance.

• Credit Strategy & Policy Enforcement: Formulate credit risk appetite frameworks, set sector exposure limits, and align lending structures with Central Bank of Nigeria (CBN) regulatory guidelines.

• Underwriting & Credit Committee Oversight: Chair or participate in the Management Credit Committee; evaluate high-value SME, retail, and commercial loan applications, ensuring accurate cash-flow modeling and collateral verification.

• Portfolio Quality & Risk Management: Monitor Portfolio-at-Risk (PAR), Non-Performing Loans (NPL), impairment provisioning, and concentration risks across all loan products.

• Remedial Management & Recoveries: Supervise loan workout programs, debt restructuring, and recovery efforts for non-performing accounts while analyzing delinquency root causes.

• Mandatory Dual Industry Exposure: Proven track record in both commercial banking and microfinance bank (MFB) lending environments.

• Academic & Professional Credentials: B.Sc./HND + CIBN/ACIB (Microfinance Certified) + ICAN/ACCA or CFA.

• Core Competencies: Cash-flow-based underwriting, PAR/NPL mitigation, loan recovery strategies, CBN regulatory reporting, and executive team leadership.