Business Manager

Elevated HR Limited - Our client is recruiting to fill the position below:

Job Title: Business Manager

Location: Port Harcourt, Rivers

Employment Type: Full-time

Job Summary

Our client is seeking a proactive, results-driven, and self-motivated Business Manager to oversee and drive the company's overall sales and business operations, including credit management and recovery activities. The successful candidate will be responsible for developing and executing business strategies, driving revenue growth, managing operational performance, strengthening credit risk controls, and ensuring effective loan recovery processes. The ideal candidate must be a self-starter who can take ownership of business performance, lead teams effectively, identify operational challenges, and implement practical solutions with minimal supervision.

Key Responsibilities

Develop and implement sales strategies to achieve revenue, customer acquisition, loan disbursement, and portfolio growth objectives. Lead, supervise, and motivate sales teams to meet and exceed assigned targets. Identify new business opportunities, market segments, and strategic partnerships to expand the company's customer base. Monitor sales performance, evaluate productivity, and implement corrective measures where necessary. Establish effective sales processes, customer relationship management practices, and performance-tracking systems. Conduct market research and competitor analysis to identify growth opportunities and improve the company's market position. Oversee the company's day-to-day business operations and ensure alignment with organisational objectives. Coordinate sales, credit, recovery, and other operational functions to ensure seamless execution of business activities. Develop and implement operational policies, procedures, and internal controls to improve efficiency and accountability. Monitor branch, departmental, and team performance against agreed targets and key performance indicators (KPIs). Identify operational bottlenecks, recommend improvements, and drive the implementation of effective solutions. Prepare and present regular business performance reports to management, highlighting achievements, challenges, risks, and recommendations. Oversee the credit assessment, appraisal, approval, and disbursement processes in line with the company's policies and delegated approval limits. Ensure appropriate due diligence, customer verification, creditworthiness assessment, and risk evaluation before loan disbursement. Monitor loan portfolio quality, repayment performance, delinquency rates, and portfolio-at-risk indicators. Implement measures to minimise default rates, prevent credit losses, and maintain a healthy loan portfolio. Ensure compliance with established credit policies, documentation requirements, and risk management procedures. Work closely with credit officers to strengthen underwriting standards and identify potential repayment risks. Oversee all loan recovery activities and ensure the timely collection of outstanding repayments. Develop and implement effective recovery strategies for overdue, delinquent, and non-performing loans. Supervise credit recovery officers and monitor individual and team recovery performance. Review delinquency reports, identify high-risk accounts, and ensure prompt escalation and resolution of repayment issues. Establish effective follow-up procedures for borrowers and ensure appropriate documentation of recovery activities. Recommend lawful and commercially appropriate recovery actions in accordance with company policies and applicable regulations. Provide regular reports on collections, outstanding obligations, recovery rates, and portfolio quality. Provide strategic direction, leadership, and supervision to sales, credit, recovery, and operational teams. Set clear performance expectations, assign responsibilities, and ensure accountability across teams. Establish measurable individual and departmental KPIs and conduct periodic performance reviews. Coach and develop team members to improve productivity, professional competence, and service delivery. Contribute to the preparation and management of departmental budgets and business forecasts. Analyse operational and financial reports to identify trends, risks, and opportunities for improvement. Ensure accurate, timely, and reliable reporting of business activities to management. Recommend strategies to improve profitability, operational efficiency, and overall business sustainability. Ensure business activities comply with company policies, relevant financial services regulations, and applicable legal requirements. Promote ethical sales practices, responsible lending, proper customer documentation, and transparent customer communication. Oversee customer complaint resolution and implement measures to improve customer satisfaction and retention. Maintain appropriate operational records and ensure the confidentiality and security of customer information. Identify and escalate suspected fraud, policy breaches, and other operational risks.