Portfolio Performance & Receivables Manager

Checkoff Finance is seeking a highly analytical and results-driven professional for the role of Portfolio Performance & Receivables Manager in Ikeja, Lagos. This full-time, hybrid position focuses on overseeing the performance, profitability, and quality of the company’s lending portfolio. The successful candidate will monitor portfolio health, manage receivables, and implement effective early-stage collections strategies to optimize overall portfolio performance.

Responsibilities

• Monitor the health and performance of the lending portfolio across all products
• Track key portfolio metrics such as PAR, DPD, delinquency, roll rates, cure rates, and collection efficiency
• Identify portfolio risks and recommend strategies to improve portfolio quality and profitability
• Monitor customer repayment behavior, receivables, and collection performance
• Forecast cash collections and implement proactive early-stage delinquency strategies
• Develop initiatives to improve repayment performance, reduce credit losses, and increase cure rates
• Prepare portfolio performance dashboards and management reports with actionable insights
• Monitor Expected Credit Loss (ECL) and Cost of Risk (CoR) in collaboration with Finance and Credit Risk teams
• Drive customer engagement initiatives to improve repayment behavior and customer retention
• Collaborate with cross-functional teams to optimize portfolio performance, collections, and lending processes

Requirements

• Bachelor's degree in Finance, Economics, Accounting, Mathematics, Statistics, Business Administration, or a related field

• Professional certifications such as ACA, ACCA, CFA, FRM, or related qualifications are an added advantage

• 5–8 years of experience in Portfolio Management, Credit Risk, Collections, Receivables Management, Consumer Lending, or Financial Services

• Proven experience managing loan portfolios, receivables, and repayment performance

• Strong understanding of retail lending, portfolio analytics, delinquency management, collections strategy, and portfolio optimization

• Knowledge of IFRS 9, Expected Credit Loss (ECL), and Cost of Risk (CoR) is an added advantage

• Proficiency in Advanced Excel and analytics tools such as SQL, Power BI, Tableau, or similar platforms

• Strong analytical, problem-solving, communication, stakeholder management, and decision-making skills

• Compensation and Overall Package

• Net salary: ₦800,000

• Hybrid work arrangement

• Pension and HMO

• Periodic paid training and additional employee benefits

• Weekly team breakfast and lunch allocation