Company Info
Large organization
Personal Trust Microfinance Bank
200 + Employees
Personal Trust Microfinance Bank is a subsidiary of First Ally Capital Limited (FACL) based in Lagos. The bank, formerly known as Personal Trust Savings and Loans, was founded in 1993 and functioned as a Mortgage Bank until it was converted to a Microfinance Bank in 2014. Personal Trust operates a branch network in strategic areas throughout Lagos State and provides banking services to individuals, micro, Small and medium businesses (MSME), and small and medium companies (SME).
1). Head, Internal Audit & Compliance
Location: Lagos Mainland, Lagos
Employment Type: Full-time
Job Summary
- The Head of Internal Audit & Compliance is responsible for the development, management and evaluation of internal control systems in the Bank.
- The Internal auditor develops and implements the annual internal audit program and ensures that the audit objectives are met. The job holder provides reasonable assurance on the effectiveness and strength of internal controls.
Duties and Responsibilities
- Develops an annual risk-based internal audit plan and oversee the implementation of the approved plan
- Ensures methodical documentation of work plans, testing results, conclusions and recommendations and ensures follow up on findings and corrective actions.
- Provide technical assistance with investigations, special audits, and provide subject-matter expertise as needed.
- Remains current on audit regulatory oversight trends and develop a risk-based approach incorporated into the annual audit plan.
- Performs regular bank-wide risk assessment to identify significant risks or exposure related to internal controls or compliance with regulatory requirements, efficiency of operations, and accuracy of financial reporting.
- Provides feedback and recommendations on business risks and improving operational efficiencies and processes where appropriate.
- Directs the work of external auditors to ensure the audit work remains within the prescribed guidelines.
- Coordinates and assist with the preparation of Audit Committee materials and participate in audit committee meetings
- Investigates and report to the Audit Committee on activities reported through the Hotline/Whistleblower processes and assist in investigations.
- Initiates policy and process reviews including ensuring they are up to date with all legislations and best practices
- Using problem solving and critical thinking skills to quickly identify internal control deficiencies, evaluate their risk implications, and draw the appropriate conclusions
- Lead the setup of the enterprise risk assessment for the bank and developing a risk log
- Conduct follow-up reviews of financial, operational, or regulatory compliance deficiencies noted during audits.
- Implements the anti-fraud campaign and assess compliance
- Prepares monthly regulatory renditions and returns
- Flexibility to carry out any other task as requested by Management
Qualifications
- HND / B.Sc in IT, Information Systems, Mathematics, Accounting, Banking and Finance or a related field
- Evidence of completion/ exemption of/from NYSC
- Evidence of ICAN certification is an added advantage
- Evidence of completion of Microfinance Certification program.
Experience:
- Minimum of five (5) years’ experience in Internal Audit in a Microfinance Bank, financial institution or an audit firm
- Prior managerial experience in similar role or capacity
- In-depth knowledge of Internal control framework for the Microfinance Industry
Skills:
- Strategy planning and implementation
- Organization and time management abilities
- Leadership, team management and mentoring
- Outstanding communication and people skills
- Extensive knowledge of all regulatory policies and procedure
- Proficient writing and delivery of presentations and documentation
- Risk Management techniques
- Proficient writing and delivery of presentations and documentation
- Logical approach to identifying and evaluating issues and problem solving
- Meticulous attention to detail and accuracy
- Ability to multi task and meet tight deadlines
- Ability to interact with senior management and stakeholders, including regulators
- Proficient in the use of MS Office suit
- Unquestioned personal integrity with strong ethics and values.
Application Closing Date
8th November, 2023.
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2). Aggregator
Location: Lagos Mainland, Lagos
Employment Type: Full-time
Job Description
- Active POS deployment to viable Customers / Agents.
- Streamline the tasks performed by POS agents, ensuring secure and efficient payment processing.
- Manage customer accounts, check balances and perform various financial transactions.
- Provides training and support to POS operators to ensure they understand how to use POS equipment, comply with regulations, and provide quality customer service.
- Provides reporting and analytics tools that help agents and financial institutions track transactions, monitor performance, and make data-driven decisions
- Assists POS agents to comply with regulatory requirements and compliance standards in the financial services industry.
- Evaluate the performance of POS operators and ensure they are providing quality service to customers.
- Collect and analyze statistics on POS agent transactions and services for informed decision making and improvement.
- Contributes to the Overall Brand awareness of the company through credible actions and brand presence.
- Monitor agents performance for transactions and active terminals.
- Retrieve the POS terminals in case of non-performance.
- Timely resolution of issues, and complaints
Requirements
- Candidates should possess an HND / B.Sc with not less than lower class.
- Minimum of 2 years experience as a POS Aggregator, Marketer or Sales Officer in any financial institution.
- Good communication and selling skills
- Ability to manage a team.
- Banking experience selling or managing POS agency
- Must have a good network of POS agents across Lagos.
- Excellent analytical and negotiation skills.
- Sound knowledge of financial services and POS deployment processes.
Application Closing Date
26th October, 2023.
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3). Agent Relationship Officer
Location: Lagos Mainland, Lagos
Employment Type: Full-time
Job Summary
- Sales of Bank product and services
- Onboarding and deploy POS devices to viable agents at their various locations and ensure adoption by providing the required support.
Job Description
- Onboarding of new viable agents/merchants on the Banks platform within the location of coverage
- Sales of all Banks products and services to customers and drive the usage on a daily basis to achieve set goal
- Provision of first level support to agents/merchants to ensure retention of agent transactions.
- Ensure visitation of all agents at least once a month to monitor transaction and also reconfirm presence in location.
- Maintain daily monitoring and tracking of agent activity and ensure follow up where agent does not transact agent or is performing poorly. This will ensure retention of agents
- Carry out onsite training of agents once onboarded and carry out monthly training/assessment of agents once visited
- Swapping of agent terminals where all process for terminal upgrade/downgrade has been followed through
- Troubleshooting of agent/terminal issues, escalate to necessary team to ensure resolution
- Prompt replacement of terminals in cases of fault to retain agent relationship
- Drive the growth of the business to achieve the required revenue
- Monitor, track and manage allocated expenditure. Ensure usage of what it is required
- Ensure the submission of daily and weekly report to manage for review and collation for management decision
Requirements
- Minimum education level – HND in any accredited and reputable institution
- A minimum of 2 years’ working experience in any sales and customer-facing role
- Relevant industry experience is an added advantage
Deadline: 19th October, 2023.
How to Apply: Interested and qualified candidates should send their CV to: [email protected] using the Job Title as the subject of the mail.