Job Vacancy!!! Baobab Microfinance Bank Job Recruitment (4 Positions)

Baobab is the leading digital financial inclusion group focusing on serving individuals, micro and small businesses in Africa and China. Our mission is to unleash the potential of our clients offering them simple and easy to use financial services. Founded in 2005 as Microcred, today Baobab has over a million customers and 3,800 employees operating in Burkina Faso, China, Democratic Republic of Congo, Ivory Coast, Madagascar, Mali, Nigeria, Senegal, Tunisia and Zimbabwe.

We are recruiting to fill the position below:

Job Title: Loan Officer

Job Locations: Abah Road, Port Harcourt – Rivers and Okigwe Road, Aba – Abia
Job Type: Full-time

Job Closing Date
5th August, 2022.

Roles & Responsibilities
Pre-loan Disbursement:

  • Promote / market Baobab’s products to prospective clients.
  • Visit and evaluate potential client businesses.
  • Visit client’s personal house.
  • Visit Co-debtor, guarantor’s house and businesses.
  • Analyze financial data of clients’ businesses.
  • Analysis of quantitative and qualitative data of client businesses and households
  • Prepare loan documents for Credit Committee.
  • Present loan files to Credit Committee.
  • Enter loan files in the MIS.

Post-loan Disbursement:

  • Conduct monitoring visits to businesses and households.
  • Follow-up on loan repayment.
  • Manage loan recovery from active and write-off clients until the last.
  • Assess the impact of a loan before renewal.

Profile and Requirements

  • Education: HND / B.Sc qualification.
  • Basic Knowledge in Accounting, Finance and Mathematics.
  • Previous work experience or training in sales (preferred).
  • Applicants must be between the age of 20 – 35 years.

Required Skills:

  • Preferably applicants must reside within the location he/she is applying for.
  • Fluent in English (written/spoken).
  • Detail-oriented.
  • Target oriented.
  • Articulate and well-spoken.
  • High level of integrity.
  • Dynamic and motivated individuals who like to work outdoors.
  • Applicant must reside within the Location he/ she is applying for.

Job Title: Customer Service Officer

Job Locations: Abah Road, Port Harcourt – Rivers and Okigwe Road, Aba – Abia
Job Type: Full-time

Job Closing Date
5th August, 2022.
Reports To: Customer Service Supervisor


  • Contribute to the proper functioning and administration of operational activities in the Branch.
  • Contribute to the profitability of the branch.
  • Portray a good image of the institution whilst attending to clients in a timely and professional manner.
  • Input credit applications, updates, documentation, input data on T24 on time, prepare and print different loan documents, input the CSR forms, prepare and print the different daily reports and documents used by the operational teams, Ensure all accounts are funded as directed by the Credit committee.
  • Input data from credit files, print the various legal documents, manage the till box, disburse loans, file legal documents, give advice to clients on adaptable products.
  • Keep till box in accordance with the procedures in place, ensure discrete archiving process of legal documents of the branch, regularly carry out inventories of assets and stock of the branch, identify needs of repair/replacement and communicate them to the person in charge within the shortest possible time, Manage the database of photos (client, signature, guarantors) make client ID cards.
  • All other tasks requested by the direct supervisor or overall line managers.

Training / Experience

  • Candidates should possess a Bachelor’s Degree with a minimum of 2 years work experience.
    Experience in business in the computer input required
  • Experience in Logistics and management of till box.

General Profile:

  • Excellent knowledge of officer software (word, Excel)
  • Ability to work under pressure
  • Disciplined and dynamic
  • Ability to work in a team
  • Good knowledge stock management, mailing and archiving
  • Good sense of initiative, communication
  • Friendly and polite, confidentiality.

Required Skills:

  • Fluent in English written and verbal
  • Customer friendly and focused on customer care
  • Attention to details, accuracy
  • Self-management and time-management
  • Team player
  • Computer Literacy
  • Must be Customer centric
  • Applicants must reside within the location he/she is applying for.

Job Title: SME Officer

Job Locations: Bodija, Dugbe & Iwo Road (Ibadan), Oyo
Job Type: Full-time

Job Closing Date
5th August, 2022.
Supervisor: Reporting to Head SME Manager

Duties and Responsibilities

  • Prospect new clients and assist them for loan applications.
  • To analyse and interpret financial statements of the business in order to access the repayment capacity and financial soundness of the borrower.
  • Conducts loan appraisal and collects detailed information (personal, business, and guaranties) and arranges to open a new loan account.
  • Prepares and executes loan contracts and arrange for disbursement of loan in kind.
  • Have good knowledge about guidelines of the regulatory body and be able to prepare loan reports for internal and external use.
  • Monitors the loan and follows up on the timely repayment.
  • Maintain contact and maintain good relationships with clients.
  • Ensure full compliance with all in-place Baobab policies & procedures and with audit recommendations.

Position scope:

  • SME Loan Officer is responsible for processing loan applications for SME and corporate clients, as well as monitoring the loan portfolio.

Skills and Specification

  • Bachelor’s Degree in Banking & Finance or Accounting
  • 1 – 2 years prior experience in the credit department in commercial banks or any financial sector.
  • Prior experience in Microfinance banking will be an added advantage
  • Organisational and time management skills.
  • Ability to work effectively in a team environment.
  • Negotiation and internal relationship building.
  • Sound written and verbal English communication skills.
  • Advanced computer skills (MS Word, Excel, PowerPoint).
  • Analysis and reporting skills.
  • Proficient typing skills.
  • Problem solving and decision making.
  • Applicants must reside within Lagos.

Other Requirements:

  • Good understanding of business processes.
  • Ability to communicate and to maintain good relations with the client.
  • Good presentation skills and excellent courteous attitude; social concern.
  • Ability to work in confidentiality; ability to work in the field.

Job Title: Senior Human Resource Officer

Location: Lagos
Job Type: Full-time

Job Closing Date
30th July, 2022.
Reporting to: Human Resource Manager

Roles & Responsibilities

  • To handle all the documentation aspects of the human resource department from recruitment to induction to training and onboarding.
  • To coordinate recruitment and selection as well as document all grading documents.
  • To document all the appraised staff and escalate where necessary
  • Documents and record all the leave and salary advances, all exit interview and clearance.
  • To also keep in record and document resignation letters.
  • Prepare Payroll documentation.
  • To monitor, ensure and document that all staff possess the organizational working tools.
  • Employment and compliance to regulatory concerns and reporting to the HRM.
  • Policy documentation.
  • Conducts or acquires background checks and employee eligibility verifications of new employees.
  • Handles employment-related inquiries from applicants, employees, and supervisors, referring complex and/or sensitive matters to the appropriate staff.
  • Protect organization’s value by keeping information confidential
  • Develop and implement human resources policies and procedures.
  • Review and update employee rules and regulations
  • All the general human resource record keeping.
  • Maintain knowledge of legal requirements and government reporting regulations affecting HR functions.
  • Assist in the administrative functions.
  • Other duties as assigned by the supervisor

Qualifications and Requirements

  • University Degree
  • Fluent English, and Proficient use of Google App

Key Requirements:

  • Applicant must be a certified HR practitioner (CIPM/SHRM/HRCI)
  • Applicant must have a minimum of 3 years of experience in similar role
  • Applicant must have good knowledge of the labor law and industry standards


  • Articulated and good organizational skills
  • Ability to deliver programmes to a high quality.
  • Business awareness and commercially focused.
  • Leadership and strong management skills.
  • Ability to devise solutions to complex problems.
  • Energy and enthusiasm to motivate and engage others.
  • Personally credible with strong interpersonal skills.
  • Strong influence and negotiation skills.
  • Integrity and approachability.

Job Application
Interested and qualified candidates should send their Application Letter and Resume to: and cc: using the Job Title as the subject of the email.

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