Head of Credit
AI summary
Huko Advisory Services Limited is hiring a Head of Credit in Lekki, Lagos, on a full-time basis. The role provides strategic and operational leadership for the credit function, covering appraisal, approval, portfolio management, recovery, and compliance with CBN regulations. Candidates need 8–10 years of banking or financial services experience, with at least 3 years in a senior credit position.
- Senior credit leadership role reporting to the Managing Director
- Full-time position based in Lekki, Lagos
- Covers end-to-end credit strategy, appraisal, portfolio and recovery management
- Requires 8–10 years banking/financial services experience
- At least 3 years in a senior or managerial credit role expected
- Must understand CBN regulations and credit risk standards
AI job guide
Use this guide to check salary signals, requirements, documents, application steps and safety before you apply.
AI salary guide
Not enough public dataNot enough public salary data is available for this exact role. Before applying, prepare to ask about gross pay, benefits, contract length, probation period, transport and any allowances.
Can you qualify for this role?
- Required8+ years of relevant experienceThe job post includes a minimum experience signal.
- RequiredEducation or certification mentioned in the postThe captured text mentions education, a diploma, certificate, or licence.
- PreferredPractical evidence in retail, internship, financeThe tags and summary point to skills connected with this role.
- RequiredAvailability to work in Not specifiedThe vacancy is associated with this location.
- UnclearComfort with the Full-time contract termsConfirm hours, duration, probation and benefits at the original source.
Documents to prepare
- Likely requiredUpdated CV
- Role specificCover letter or short employer message
- OptionalProfessional references
- Role specificAcademic or professional certificates
- VerifyID or passport only after verifying the employer
Application tips for this job
- Place your strongest Head of Credit evidence in the first half of your CV.
- In your cover letter or employer message, connect your experience to Huko Advisory Services Limited and the role in Not specified.
- Add concrete examples related to retail, internship, finance, ideally with measurable outcomes or clear responsibilities.
- Follow the instructions from Jobzilla Nigeria; avoid sending documents to unofficial contacts or copied links.
- Confirm the deadline, interview location and employer contact before sharing personal documents.
- Prepare a polite question about pay, benefits and contract terms for later interview stages.
Source and safety check
- Jobzilla Nigeria
- Original source link available
- Application method is clear
- Deadline not specified
- No major risk signal was detected in the captured text.
Never pay for interviews, shortlisting, medical checks, uniforms, or job placement. Confirm every application at the original source before sharing personal documents. Report suspicious listing.
Interview preparation
- What experience makes you a strong fit for this Head of Credit role in retail, internship?
- How have you handled responsibilities similar to those in this job post?
- Are you available to work in Not specified under the listed contract or schedule?
- Prepare examples with clear responsibilities, tools used and measurable outcomes.
- Review the source and research Huko Advisory Services Limited before the interview.
Ask what the first priorities will be in the role and how success will be measured.
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Use AI to apply better
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Original source description
Head of Credit at Huko Advisory Services Limited ⏲ Sep 8, 2026, 12:07 PM ⋕ View all Banking & Financial Services jobs At Huko Advisory Services, we help businesses unlock their full potential through smart, strategic, and innovative human capital solutions. Based in Lagos, Nigeria, we provide HR outsourcing, recruitment, training, consulting, and workforce development services to businesses across industries. We are recruiting to fill the position below: Job Title: Head of Credit Location: Lekki, Lagos Employment Type: Full-time Department: Credit Reports To: Managing Director Job Purpose The Head of Credit will provide strategic and operational leadership for the Bank’s credit function, ensuring responsible loan growth, sound credit underwriting, effective portfolio management and strong asset quality. The role holder will oversee the end-to-end credit process, from appraisal and approval to disbursement, monitoring, restructuring and recovery, while ensuring compliance with the Bank’s credit policies, risk appetite, CBN regulations and other applicable regulatory requirements. Key Responsibilities: Credit Strategy & Policy: Recommend improvements to credit products, pricing, collateral requirements: and lending structures. Ensure appropriate credit risk standards across all lending products. Develop and implement the Bank’s credit strategy in line with business objectives and risk appetite. Ensure compliance with CBN regulations, internal policies and approved risk parameters. Credit Appraisal & Approval: Ensure proper analysis of financial statements, cash flows, repayment capacity, business viability and credit history. Ensure appropriate KYC, credit bureau checks, collateral verification and documentation. Oversee the appraisal, review and approval/recommendation of credit facilities within delegated authority. Review complex, high-value and high-risk credit proposals. Portfolio & Risk Management: Take overall responsibility for the quality and performance of the Bank’s loan portfolio. Monitor portfolio concentration by product, sector, geography, customer and obligor. Monitor PAR, NPL, delinquency, provisioning, write-offs and recovery performance. Microfinance & Commercial Lending: Apply appropriate cash-flow based and risk-based lending methodologies. Provide oversight for microfinance, retail, consumer, SME and commercial lending. Ensure effective management of high-volume microfinance lending and more structured commercial/SME exposures. Develop appropriate lending limits and risk parameters for different customer segments. Recovery & Remedial Management: Analyze causes of delinquency and implement preventive credit measures. Ensure timely escalation of problematic and high-risk accounts. Provide strategic oversight of delinquent and non-performing accounts. Work closely with the Recovery/Collections team to improve recovery rates. Review and recommend restructuring, rescheduling and write-offs in line with approved policies. Credit Governance & Reporting: Ensure proper documentation of credit decisions, conditions and exceptions. Ensure prompt resolution of credit-related audit and regulatory findings. Chair or participate in the Management Credit Committee as assigned. Prepare regular credit and portfolio reports for Management and the Board. Liaise with Risk, Internal Control, Compliance, Internal Audit and External Auditors on credit-related matters. Team Leadership: Lead, coach and develop the Credit team. Ensure continuous training and development of credit personnel. Set clear performance objectives and KPIs. Build a strong culture of credit discipline, accountability, integrity and sound risk judgment. Requirements: & Qualifications Experience: participating in or managing Credit Committees is highly desirable. Minimum of 8–10 years’ relevant banking/financial services experience. At least 3 years in a senior/managerial credit position, preferably as Credit Manager, Senior Credit Risk Manager, Head of Credit or similar role. Mandatory experience: in both a Microfinance Bank and a Commercial Bank. Demonstrable experience: managing loan portfolios, PAR/NPL, credit risk and recoveries. Bachelor’s Degree / HND in Finance, Accounting, Economics, Banking & Finance, Business Administration, Statistics, Mathematics or a related discipline. Minimum of 5 years’ experience: in Credit, Credit Risk, Lending or Portfolio Management. Proven experience: in SME, commercial, retail and microfinance lending. Strong knowledge of CBN regulatory requirements: and credit risk management practices. Professional Certifications: Required/Strongly Preferred: Any of the following will be an added advantage: MBA/Master’s Degree in Finance, Banking, Accounting, Economics or Risk Management. Professional Credit/Risk Management Certification FRM CFA ICAN/ACA/ACCA ACIB/CIBN qualification, preferably with Microfinance Certification. Benefits: Salary: N600,000 - 800,000 / month. Tax, pension, HMO. 13th Month annual Bonus. One day remote in a week How to Apply Interested and qualified candidates should send their CV to: hr@huko-advisory.com using the job title as the subject of the mail. Application Deadline: 22nd September, 2026. View all Jobs in Nigeria Lekki and 1 other location Lekki , Lagos State Head of Credit job vacancies in Nigeria