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Portfolio Manager (Katsina) at Moniepoint Incorporated

By9jabook

May 11, 2025
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Moniepoint Incorporated is a global business payments and banking platform and recently became QED Investors’ first investment in Africa. We are the partner of choice for over 600,000 businesses of all sizes, powering the dreams of SMBs and providing them with equal access to the tools they need to grow and scale.

Job Summary 

 

The Portfolio Manager is responsible for overseeing the loan portfolio and leading a team of Field Credit Officers within a specific state. This role involves setting performance targets, ensuring credit risk is managed effectively, maintaining a healthy loan portfolio, and driving growth of the business and loan products. The Portfolio Manager will collaborate closely with other departments (Products, Risk, Operations, etc.) to uphold credit policies and ensure successful loan disbursement and repayment.

 

Key Responsibilities

Team Leadership and Management

  • Supervise, mentor, and provide guidance to Field Credit Officers (FCOs) within the assigned state.
  • Set and communicate clear performance goals and objectives for the FCOs, ensuring alignment with the company’s overall targets and strategy.
  • Conduct regular performance reviews, identify training needs, and foster professional growth among team members.

Portfolio Oversight and Growth

  • Develop and implement strategies to grow a robust and profitable loan portfolio in the assigned state.
  • Monitor and analyze overall portfolio performance, including loan approvals, disbursements, and repayments, to ensure targets are met.
  • Identify trends and potential risks, taking proactive measures to mitigate any issues that could impact portfolio health.

Credit Risk Management

  • Ensure adherence to the organization’s credit policies and procedures.
  • Review and approve on loan applications recommended by FCOs, providing final credit decisions where necessary.
  • Conduct periodic credit risk assessments and collaborate with the Regional Credit Manager and VP, Credit Portfolio Management to refine and enhance credit evaluation frameworks.

Compliance and Reporting

  • Maintain compliance with regulatory requirements and internal policies related to credit operations and portfolio management.
  • Prepare and present regular portfolio performance reports to Regional Credit Manager and VP, Credit Portfolio Management, highlighting key metrics, trends, and recommendations for improvement.
  • Ensure all documentation and records are accurate, up-to-date, and in line with compliance standards.

Stakeholder Engagement

  • Collaborate with cross-functional teams (Products, Operations, Risk, etc.) to ensure seamless loan disbursement and servicing processes.
  • Develop and maintain strong relationships with business clients and community stakeholders to enhance the company’s market presence.
  • Address and resolve escalated customer issues and inquiries related to the loan portfolio.

Process Improvement

  • Identify process gaps and inefficiencies within credit administration, making recommendations for system and process enhancements.
  • Stay informed of industry best practices, market trends, and competitor activities, adapting strategies as needed.

Qualifications

  • Bachelor’s Degree (or higher) in Business, Finance, Economics, or a related field
  • Minimum of 4-5 years of relevant experience in lending, credit, or portfolio management, with at least 2 years in a supervisory role.
  • Demonstrable experience in credit risk analysis and financial analysis.
  • Strong knowledge of regulatory requirements and compliance in the financial sector.
  • Proven track record in managing and growing a loan portfolio in a fast-paced environment.
  • Must be resident in the state of responsibility.

Relevant Skills

  • Leadership & Team Management
  • Analytical & Problem-Solving Skills
  • Communication & Interpersonal Skills
  • Strategic Thinking & Planning
  • Attention to Detail
  • Technology Proficiency

Other Requirements

  • High degree of integrity, professionalism, and confidentiality when dealing with sensitive information.
  • Flexibility to travel for client visits, team meetings, and on-site evaluations as needed.
  • Proactive and results-driven mindset, with a commitment to continuous improvement.
Application Dealine not specified

 

Method of Application 

Interested and Qualified candidates should Go to: CLICK HERE TO APPLY online 

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By 9jabook

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From Tramadol to Canadian to Exol-5 The New Drug Destroying Nigerian Youths An Investigative Article .From Tramadol to Canadian to Exol-5: The New Drug Destroying Nigerian Youths An Investigative Report on the Shifting Landscape of Substance Abuse in Nigeria Nigeria faces a severe and evolving drug crisis, particularly among its youth. What began with the widespread abuse of Tramadol has progressed through mixtures like “Canadian” to newer pharmaceutical diversions such as Exol-5. This shift reflects deeper issues: easy access to prescription drugs, weak regulation, socioeconomic pressures, and aggressive street-level marketing. NDLEA operations and health studies reveal a public health emergency that threatens an entire generation. Phase 1: The Tramadol Epidemic (2010s–Early 2020s) Tramadol, a synthetic opioid prescribed for moderate to severe pain, became Nigeria’s most notorious street drug. Cheap, potent, and widely smuggled (often from India and other Asian countries), it offered users energy, euphoria, and pain relief — appealing to commercial drivers, laborers, students, and young men seeking confidence or stamina. Scale of the Problem: Millions of tablets seized annually by NDLEA. High prevalence among young males aged 15–35. Linked to increased crime, sexual violence, organ damage (kidney failure, seizures), and mental health breakdowns. Contributed to broader opioid misuse alongside codeine cough syrups. Government responses included tighter import controls and public awareness campaigns, but these only displaced demand to other substances rather than eliminating it. Phase 2: The Rise of “Canadian” (Mid-2020s) “Canadian” or “Canadian Loud” emerged as a popular code for high-grade cannabis (often indica-dominant strains) or cannabis mixed with other synthetics. It gained traction as users sought alternatives or combinations to Tramadol’s effects. This phase marked a move toward imported or locally cultivated premium weed, sometimes laced with stronger chemicals. Youths in urban centers like Lagos, Kano, Jos, and Onitsha embraced it for its perceived “cleaner” high compared to opioids. However, it fueled polydrug use — combining cannabis with opioids, sedatives, or alcohol — amplifying health risks. Phase 3: Exol-5 – The Current Threat (2024–2026) Exol-5 (Benzhexol Hydrochloride / Trihexyphenidyl 5mg), originally a prescription medication for Parkinson’s disease and drug-induced movement disorders, has become the latest pharmaceutical being heavily abused. Why Exol-5? Euphoric Effects: Users report intense euphoria, hallucinations, and a sense of detachment — making it attractive as a cheap “upper” or escape. Accessibility: Sold over-the-counter or on the black market despite being a controlled prescription drug. NDLEA has seized millions of pills in single operations (e.g., 3.1 million pills in Kano in late 2024, and over 5.6 million combined with Tramadol in other busts). Street Names: Exol, Artane, Benzhexol, “Farin Mallam” (in Northern Nigeria). Demographics: Prevalent among youths, laborers, and even psychiatric patients who divert prescriptions. Studies show abuse rates as high as 25% among certain outpatient groups. Health Consequences: Anticholinergic toxicity: Confusion, dry mouth, blurred vision, urinary retention, constipation, and in high doses — delirium, psychosis, seizures, and heart issues. Long-term: Cognitive impairment, addiction, exacerbated mental health disorders. Often mixed with Tramadol, codeine, or cannabis, creating dangerous synergies. In cities like Jos, Exol-5 sits alongside diazepam, Rohypnol, and Tramadol on street markets, easily available to teenagers and young adults. Why This Evolution Continues Supply-Side Failures: Porous borders, corrupt officials, and overproduction of pharmaceuticals enable diversion. Demand Drivers: Unemployment, poverty, peer pressure, trauma, and the pursuit of performance enhancement (e.g., for “hustle” culture). Weak Regulation: Many pharmacies sell restricted drugs without prescriptions. Online and street vendors fill gaps. Displacement Effect: Cracking down on one substance (Tramadol/codeine) pushes users and dealers toward the next available option. NDLEA reports ongoing large seizures, but the problem persists due to high profitability and low risk for mid-level distributors. Broader Impacts on Nigerian Youths Education: Increased dropout rates and poor academic performance. Mental Health: Rising cases of psychosis and depression. Economy: Lost productivity among the working-age population. Crime and Violence: Drug-fueled robberies, cultism, and family breakdowns. Public Health System Strain: Overburdened hospitals treating overdoses and chronic complications. Young people aged 15–39 remain the hardest hit, with national surveys showing drug use prevalence significantly above global averages. What Must Be Done Stronger Enforcement: Consistent prosecution of corrupt enablers and large-scale traffickers. Regulation: Crackdown on rogue pharmacies and better tracking of prescription drugs. Prevention & Rehabilitation: School programs, community outreach, and expanded treatment centers (currently woefully inadequate). Economic Alternatives: Address root causes like youth unemployment. Public Awareness: Honest campaigns highlighting real dangers of “Exol-5” and similar drugs. Conclusion From Tramadol’s opioid grip to “Canadian” cannabis culture and now Exol-5’s anticholinergic highs, Nigeria’s drug crisis is mutating faster than responses can contain it. Exol-5 represents the dangerous new frontier — a legitimate medicine turned youth destroyer due to misuse and greed. Without urgent, multi-layered intervention — combining supply disruption, demand reduction, and socioeconomic support — an entire generation risks being lost to addiction. The time for half-measures is over. Nigeria’s future depends on winning this fight.

May 25, 2026 abi