Payroll Lending Manager – Public Sector
AI summary
Strivo Labs is hiring an experienced Payroll Lending Manager – Public Sector to drive growth and performance of its public-sector payroll lending portfolio in Nigeria. The role focuses on building government and MDA partnerships, managing loan origination and disbursement, and ensuring effective check-off deductions, credit risk management, and regulatory compliance. The position requires strong stakeholder management skills and extensive travel across Nigeria.
- Focus on government/MDA partnerships and payroll lending growth
- Responsible for loan origination, disbursement, and portfolio performance
- Requires strong public-sector stakeholder and relationship management
- Extensive travel across Nigeria required
- Involves underwriting, deduction management, and credit risk oversight
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AI salary guide
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Can you qualify for this role?
- UnclearRelated work experienceThe text mentions experience, but the exact level should be confirmed at source.
- RequiredEducation or certification mentioned in the postThe captured text mentions education, a diploma, certificate, or licence.
- PreferredPractical evidence in sales, retail, internshipThe tags and summary point to skills connected with this role.
- RequiredAvailability to work in Not specifiedThe vacancy is associated with this location.
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 Payroll Lending Manager – Public Sector evidence in the first half of your CV.
- In your cover letter or employer message, connect your experience to Strivo Labs and the role in Not specified.
- Add concrete examples related to sales, retail, internship, ideally with measurable outcomes or clear responsibilities.
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Source and safety check
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Interview preparation
- What experience makes you a strong fit for this Payroll Lending Manager – Public Sector role in sales, retail?
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Original source description
The successful candidate will be responsible for developing and managing government/MDA partnerships, driving loan origination and disbursement, managing portfolio performance, and ensuring effective check-off deductions, remittance, credit risk management, and regulatory compliance.
We are seeking an experienced Payroll Lending Manager – Public Sector to drive the growth and performance of the public-sector payroll lending portfolio.
The role requires strong stakeholder and relationship management skills, particularly within government and public-sector environments, as well as the willingness to travel extensively across Nigeria.
Key Responsibilities
- Lending Growth & Strategic Partnerships:
- Build, onboard, and manage relationships with government MDAs, payroll administrators, employers, corporates, and SMEs to establish and sustain salary deduction and check-off arrangements.
- Identify and develop new MDA mandates, employer partnerships, and business development opportunities to expand the payroll lending pipeline.
- Develop and maintain strong relationships with key public-sector stakeholders to support business growth and protect existing lending arrangements.
- Collaborate with Sales, Business Development, Credit, Risk, and other relevant teams to drive portfolio growth.
- Drive loan origination, disbursement volumes, and portfolio growth across public and private-sector segments in line with approved targets and risk appetite.
- Underwriting, Deduction & Loan Management:
- Manage repayment transitions where payroll deductions cease, including moving affected accounts to direct collection arrangements where required.
- Coordinate with government payroll platforms and employer HR/payroll teams to validate employment status, salary, deduction consent, and ongoing remittance.
- Track employment changes, including redeployment, promotion, transfer, retirement, resignation, termination, and change of employer, to minimise repayment disruptions and portfolio delinquency.
- Develop and continuously improve underwriting criteria for public and private-sector borrowers, considering factors such as grade level, years to retirement, deduction limits, employer standing, industry risk, employment tenure, income verification, and deduction reliability.
- Monitor deduction and remittance performance and promptly resolve issues relating to non-remittance, partial remittance, or deduction stoppages.
- Portfolio Risk, Compliance & Recovery:
- Maintain an appropriate balance between portfolio growth, credit quality, risk management, and regulatory compliance.
- Monitor government policies, public-sector pay structures, employer restructuring, salary delays, financial distress, and other risk indicators that may affect portfolio performance.
- Adjust lending exposure where necessary based on emerging portfolio and employer-level risks.
- Own portfolio quality across the payroll lending book, including Portfolio-at-Risk (PAR) and Non-Performing Loan (NPL) performance.
- Work closely with Legal, Compliance, Credit, and Risk teams to ensure lending activities, deduction arrangements, and employer partnerships comply with applicable regulatory and internal requirements.
- Drive appropriate remedial, collections, and recovery actions on delinquent accounts.
- Stakeholder & Relationship Management:
- Navigate complex public-sector and government stakeholder environments while maintaining strong professional relationships.
- Proactively resolve stakeholder, operational, payroll, deduction, and remittance-related issues that could affect loan repayment or portfolio performance.
- Maintain effective relationships with MDA officials, government payroll administrators, pension administrators, treasury officials, employer HR/payroll teams, and other relevant stakeholders.
- Protect existing deduction arrangements and identify opportunities for portfolio expansion.
- Reporting & Performance Management:
- Prepare periodic management reports covering loan origination, disbursement, portfolio growth, PAR, NPL, remittance rates, MDA mandates, employer partnerships, and other key portfolio indicators.
- Provide management with actionable insights on portfolio performance, emerging risks, deduction trends, and business growth opportunities.
- Track loan approval and disbursement turnaround times and drive improvements against agreed service and performance targets.
- Monitor portfolio performance against agreed growth, quality, and operational targets.
Requirements
Strong ownership, judgement, and follow-through.
Experience
managing lending portfolios through changes in government administration or public-sector policies is an advantage.
Relevant professional certification in credit, risk, banking, finance, or a related discipline is an advantage.
Established working relationships with government payroll platforms such as IPPIS, SIFMIS, state equivalents, or MDA payroll units is strongly preferred.
Demonstrated
driving lending growth, portfolio improvement, or operational transformation initiatives.
Bachelor’s Degree in Finance, Economics, Business Administration, or a related field.
Proficiency with loan management systems and reporting tools.
Willingness and ability to travel extensively across Nigeria.
6–10 years of
in consumer or retail lending, with demonstrable exposure to public-sector, payroll, or check-off lending.
Proven
managing a lending portfolio and driving portfolio growth and performance.
Strong regulatory and business awareness, with the resilience and adaptability required to operate in complex public-sector environments.
Strong credit assessment, underwriting, portfolio management, and analytical skills.
Strong understanding of public-sector payroll/check-off lending, deduction, and remittance structures.
Ability to manage multiple priorities and meet portfolio targets.
CIBN, RIMAN, ICAN, or equivalent certification is an added advantage.
Strong negotiation and relationship management skills.
Strong portfolio analytics and performance reporting capabilities.
in fintech, consumer lending, or digital credit operations is highly preferred.
Strong stakeholder management skills, particularly within government, public-sector, and union environments.
What We’re Looking For:
You should be commercially driven, highly organised, and comfortable navigating complex stakeholder and regulatory environments while maintaining strong portfolio performance.
The ideal candidate should have strong
in public-sector payroll or check-off lending, with the ability to build and maintain government/MDA relationships while managing lending growth, portfolio quality, deductions, and remittances.
Net Pay
N700,000 - N900,000 net + Growth.
How to Apply
Interested and qualified candidates should send their CV to:
hiring@strivolabs.com
using the job title as the subject of the mail.
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Lagos State