Manager – Digital Personal Lending and Regulatory Compliance

Key responsibilities

• Lead the company’s Bank of Ghana licensing process, including preparation and submission of the application through ORASS.
• Manage registrations, permits, renewals and filings with the Bank of Ghana, Office of the Registrar of Companies, Ghana Revenue Authority, Data Protection Commission, SSNIT, local Assembly and other applicable authorities.
• Maintain a complete compliance calendar and ensure that no licence, permit, return or statutory filing becomes overdue.
• Serve as the principal operational contact for regulators, auditors, lawyers and other professional advisers.
• Develop and implement policies covering digital credit, responsible lending, credit risk, AML/KYC, data protection, consumer protection, complaints, collections, fraud prevention and cybersecurity.
• Manage the complete digital loan process, including customer onboarding, identity verification, credit assessment, approval, disbursement, repayment and recovery.
• Ensure compliance with Ghana Card verification, customer due diligence, credit-bureau reporting and Financial Intelligence Centre requirements.
• Monitor loan performance, arrears, defaults, recoveries, fraud losses, operating costs, cash flow and profitability.
• Ensure customers receive clear loan terms, fair pricing, electronic receipts and professional complaint resolution.
• Prevent abusive collection practices, customer harassment, public shaming and misuse of customer information.
• Manage relationships with mobile-money providers, payment processors, technology providers, credit bureaus and other approved partners.
• Oversee accounting, tax, payroll, SSNIT, pension, audit and financial-reporting requirements.
• Recruit, train and supervise credit, operations, customer-service and collection personnel.
• Prepare monthly reports covering business performance, compliance, portfolio quality, complaints, fraud and operational risks.
• Stop or suspend any activity that may expose the company or its customers to regulatory, legal or financial harm.

Minimum qualifications

Applicants must meet all the following requirements:

• Bachelor’s degree in finance, accounting, banking, economics, business administration, law, risk management or a closely related discipline.
• At least seven years of relevant experience in lending, banking, fintech, microfinance, digital credit or another Bank of Ghana-regulated financial institution.
• At least three years of experience in a management or supervisory position.
• Demonstrable experience handling Bank of Ghana licensing, regulatory reporting, inspections or compliance matters.
• Practical knowledge of credit risk, loan administration, AML/KYC, Ghana Card verification, consumer protection, data protection and debt collection.
• Experience dealing with government and regulatory institutions such as the Bank of Ghana, ORC, GRA, DPC, FIC and SSNIT.
• Strong financial, analytical, organisational and written-reporting skills.
• High personal integrity and the ability to satisfy applicable Bank of Ghana fit-and-proper requirements.
• Ability to work full-time in Ghana and engage confidently with regulators, directors, customers and professional advisers.

Preferred qualifications

• The following would be an advantage:
• Professional certification in compliance, AML, risk management, banking, accounting, auditing or data protection.
• Previous responsibility for launching or managing a digital-lending or mobile-financial-services business.
• Experience preparing a complete regulatory licence application through ORASS.
• Familiarity with mobile-money integrations, loan-management systems, digital identity verification, credit bureaus and fraud-monitoring systems.
• Experience managing a loan portfolio and improving repayment, collection and profitability performance.

Personal qualities

• We are looking for someone who is:
• Honest, disciplined and dependable.
• Highly organised and attentive to deadlines.
• Comfortable working in a hands-on start-up or small-business environment.Firm on compliance and willing to challenge decisions that may breach regulations.
• Commercially minded while remaining committed to responsible lending and fair customer treatment.
• Able to build systems, lead a team and communicate clearly with the Board.

How to apply

• Current CV.
• Cover letter explaining your relevant lending and regulatory experience.
• Brief description of any Bank of Ghana licensing, compliance or regulatory project you have managed.