Consumer Finance Lead

End date: 2019-10-11


Consumer Finance Lead

REPORTS TO:   Chief Operating Officer
Internal: Senior Management, Tech team, B2B, Retail Services...

  • Full Time
  • Senior Level

Get in Touch

  • Block A4, Flat 302, 1004 Estates, Adetokunbo Ademola Street, Victoria Island, Lagos
  • +23414539546
  • Competitive Salary and full health benefit


REPORTS TO:   Chief Operating Officer
Internal: Senior Management, Tech team, B2B, Retail Services, C2B, Pricing
External: Vendors, Customers, Dealers, Partners

The Consumer Financing Risk Coordinator will play a critical role in enabling Cars45 to meet its revenue goals, overseeing all aspects of consumer credit as a product, its functionality, user experience and new development. The successful candidate would also be accountable for driving the overall strategic direction of the products in order to meet business objectives with goals of increasing share of auto lending in all channels including digital. He/she would also be responsible for ensuring new origination, negotiating rates and seeking creative ways of generating income from auto loans issued.

• Ability to optimize various components that make lending products profitable
• Deep understanding for credit risk measurement and control frameworks
• Ability to set up from scratch using first principle thinking
• Ability to efficiently compress large amounts of data into short and concise presentations with sound business conclusions
• Demonstrated Partnership & Relationship building skills
• Ability to work in a fast-paced environment.
• Strong commercial acumen
• Accurate forecasting skills
• High-level reporting skills
• Unquestionable integrity


Person Specification
• Graduate degree in a quantitative field (E.g. Finance, Math, Stats.) or MBA or other professional related qualifications
• Professional accounting designation or strong statistical qualifications preferred
• Up to 8-10 years’ experience in consumer finance (Analytics, Credit Risk, Financial Services, or related)
• Min 6+ years of work experience in credit & debt analysis, forecasting, reporting, process & tools improvement, as well as providing business insights for leadership team.
• Experience in the financial services sector, along with financial reporting in a data driven company.
• Experience in approving structured credit and financing transactions
• Extensive experience in consumer lending (preferably as an approver or an analyst)
• Extensive knowledge and experience with consumer financing and risk management to provide credit policy and risk appetite guidance to consumers.
• Proficiency in Microsoft Productivity Tools
• Advanced use of Microsoft Excel
• Strong business acumen and knowledge of industry and business metrics required
• Expertise in control processes appropriate to a financial services environment
• Strong analytical, technical and statistical skills.
• Expert in consumer credit management