State Business Lead

Job Summary

The State Business Lead is responsible for driving financial inclusion and business growth within the assigned state through LAPO’s financial services. The role ensures effective coordination of field operations, expansion of client outreach, achievement of deposit and loan portfolio targets, and strengthening of sector based financial empowerment initiatives to diversify portfolio into commercial B2B across all sectors. The incumbent will lead field teams to deliver sustainable growth, deepen customer penetration, and ensure compliance with institutional policies and regulatory standards.

Job Details

• Lead and coordinate all business development activities within the assigned state. 
• Drive customer acquisition, loan disbursement, and savings mobilization targets. 
• Expand LAPO’s financial inclusion reach into underserved communities. 
• Supervise and support field officers, branch teams, and agents. 
• Ensure effective execution of marketing and outreach campaigns. 
• Monitor portfolio quality, ensuring low PAR (Portfolio at Risk) levels. 
• Conduct periodic field visits to assess operations and client engagement. 
• Ensure compliance with credit policies, operational guidelines, and regulatory requirements. 
• Develop and maintain strong relationships with community leaders, cooperatives, and stakeholders. 
• Provide weekly and monthly performance reports to regional management. 
• Conduct market intelligence gathering and competitor analysis to identify emerging business opportunities and recommend product/service improvements.

Requirements

EDUCATION AND EXPERIENCE

Education:  Bachelor’s degree in Business Administration, Economics, Finance, Microfinance, or related field. Professional certification in Microfinance or Banking is an advantage 

Experience:  Minimum of 5–8 years in microfinance, banking, or financial services. At least 3 years in a supervisory or managerial role 

Specific Experience:   

• Proven experience in financial inclusion, rural banking, or community-based lending 
• Strong track record in loan portfolio management and business expansion 

Benefits

Competitive Salary

1. Health Insurance (HMO)
2. Leave Grant (Allowance)
3. 13th Month 
4. Paid Time Off (PTO): 
   • Vacation days
   • Sick days
   • Holidays
5. Retirement Savings Plan: 
   • Contributory pension 
6. Insurance: 
   • Group life insurance
   • Workers' compensation insurance
7. Professional Development: 
   • Budget for conferences, workshops, and trainings
   • Mentorship opportunities

About Company

LAPO MICROFINANCE BANK

https://lapocareers.seamlesshiring.com

As a development-focused organization, we believe in people empowerment by the provision of gainful employment and other social interventions. Why Work at LAPO Microfinance Bank? • Career Development LAPO Microfinance Bank offers professional opportunities for career growth and advancement in personal skills set and ambitions. With us, you have a well-structured career pathway as well as access to resources for professional development and growth. • LAPO Institute for Microfinance and Management Studies LAPO Microfinance Bank recognizes the importance of leveraging a highly skilled workforce to achieve its strategic and operational goals. Through the LAPO Institute - a sister organization of the bank – we provide tailor-made capacity development programs and research for our people. The Institute is approved by the Federal Ministry of Education to function as a Tertiary institution. • Our Core Values o People First o Integrity o Excellence o Passion and Commitment o Enterprise and Teamwork o Commitment to Social Responsibility & Sustainability o Fun and Excitement Our People. Our people are at the center of everything we do to deliver innovative services to the institution's clients. At LAPO Microfinance Bank, we realize that our staffs are the heart and hands of the organization; therefore, we understand that building a world-class institution is only possible when we have the right people. It is for this reason that everything we do – from building systems to pioneering innovative products – is defined by our people. They make the Bank what it is today - a vibrant organization renowned for innovation, excellence, sustainability and superior financial performance. Career Opportunities. If you desire to work in Africa’s premier institution in the microfinance sector, then LAPO Microfinance Bank is exactly what you seek. Here, learning is encouraged, skills are developed and passion is rewarded.