Credit Specialist

KingMakers

. Administer and monitor credit extended to agents across the KingMakers agency network .

Posted 11/7/2026full-timeLagos • NigeriaMid-LevelSeniorWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in credit administration, monitoring, and recovery processes, ensuring compliance with credit control policies and effective resolution of account discrepancies. Proficient in utilizing Excel for data analysis and reporting to enhance operational efficiency.

Highest-signal resume keywords

Credit AdministrationCredit Risk AssessmentExcel Data AnalysisAccount ReconciliationCredit Control Compliance

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Credit MonitoringCredit AllocationRepayment TrackingDiscrepancy InvestigationAudit Trail MaintenanceRecovery Record ManagementCredit ReportingLiability ResolutionPerformance AnalysisPolicy Enforcement

Soft Skills

CollaborationProactive CommunicationProblem-SolvingAttention to DetailStakeholder Engagement

Tools & Technologies

Excel

Industry Keywords

Credit Control PoliciesOutstanding BalancesOverdue LiabilitiesBusiness Partner CoordinationAuthorized Deductions

About the role

Key responsibilities & impact

Administer and monitor credit extended to agents across the KingMakers agency network
Allocate credit appropriately and support credit decisions while minimizing disruption to agent trading
Monitor credit utilization, outstanding balances, overdue liabilities and repayment commitments
Follow up on repayments, maintain recovery records and escalate persistent defaults
Manage blocked accounts and coordinate liability resolution, deductions, payments and reactivation
Enforce credit control policies, authorization procedures, restrictions and corrective actions
Maintain clear audit trails and recommend improvements to address control gaps
Reconcile disbursements, repayments, deductions and outstanding balances
Investigate discrepancies and collaborate with Regional Sales Managers and other stakeholders
Prepare daily, weekly and monthly reports on disbursements, liabilities, recoveries, overdue balances and blocked accounts
Use Excel to analyse credit and trading data, maintain trackers and identify trends requiring intervention
Provide recommendations to improve credit allocation, recovery and operational efficiency

Requirements

What you’ll need

Assess agents’ creditworthiness using trading performance, repayment history, existing liabilities and approved eligibility criteria
Ensure credit allocations comply with approved limits and are supported by appropriate assessments, approvals and documentation
Monitor credit utilization, identify irregularities and recommend adjustments based on performance and risk
Monitor outstanding balances, overdue liabilities and repayment commitments
Follow up proactively to secure timely repayment and maintain accurate recovery records
Escalate persistent defaults and significant exposures
Track blocked accounts, particularly Business Partner owned shops
Engage responsible Business Partners to resolve liabilities and coordinate approved deductions
Verify payments and facilitate prompt account reactivation after settlement and applicable requirements are confirmed
Ensure credit transactions and adjustments comply with approved policies and authorization procedures
Identify and escalate irregular transactions, unauthorised funding and potential misuse
Reconcile disbursements, repayments, deductions and outstanding balances
Investigate discrepancies and resolve payment and account issues with relevant teams
Prepare daily, weekly and monthly credit reports
Use Excel to clean, validate, reconcile and analyse credit and trading data
Maintain accurate records for management reviews and audits

Benefits

Comp & perks

Up to 25 days annual leave — generous time off to rest and recharge, in addition to public holidays
13th month cheque — an extra month's salary paid out every December as part of your annual compensation
Health insurance — comprehensive company provided medical cover for you, your spouse and up to 4 children
Life insurance — life cover provided in line with company policy
Pension contribution — employer contributions made in line with applicable Nigerian pension regulations
Daily lunch — free lunch provided at the office
Company-arranged transport — transport to and from the office covered by the company
Hybrid working — a flexible split of 3 days in-office and 2 days remote each week, based on operational needs
Work From Anywhere — up to 10 business days a year to work remotely from a location of your choice, anywhere in the world
Discretionary bonus eligibility subject to onboarding cycle and start date