Government Payroll Business Manager

Location: Accra, Ghana
Employment Type: Full-Time
Application Deadline: 25 July 2026

Company Profile

Q – Capital Microfinance Limited is a customer-focused financial services institution committed to providing accessible, innovative, and responsible financial solutions to individuals and organisations. We are dedicated to promoting financial inclusion through reliable lending solutions, excellent customer service, and strong risk management practices.

We are seeking an experienced, strategic, and results-driven Government Payroll Business Manager to lead the growth and management of our Government Payroll Loan portfolio. The successful candidate will drive business expansion, strengthen stakeholder relationships, manage portfolio performance, and ensure sustainable growth while maintaining strong credit and compliance standards.

Key Responsibilities

Government Payroll Business Development

As the Government Payroll Business Manager, you will:

• Develop and implement strategies to grow the Government Payroll Loan portfolio and achieve business targets.
• Identify, acquire, and build relationships with potential payroll loan customers across government ministries, departments, agencies, and public institutions.
• Promote the institution’s payroll lending products and services to increase market penetration and customer adoption.
• Identify new business opportunities and develop initiatives that improve portfolio growth and profitability.
• Conduct market research and competitor analysis to support business expansion strategies.

Relationship Management

You will:

• Establish and maintain strong professional relationships with key stakeholders within government institutions.
• Serve as the primary relationship contact for strategic partnerships and stakeholder engagements.
• Represent Q – Capital Microfinance Limited at meetings, presentations, networking events, and business development activities.
• Develop customer retention strategies that strengthen long-term relationships and improve customer satisfaction.

Portfolio Management

You will:

• Manage the Government Payroll Loan portfolio to achieve sustainable growth and maintain portfolio quality.
• Oversee the complete payroll lending process from customer acquisition, loan processing, disbursement, and repayment monitoring.
• Conduct regular portfolio performance reviews and provide recommendations for improvement.
• Analyse portfolio trends, identify risks, and implement strategies to maximise performance.

Credit Risk Management

You will:

• Review loan applications and assess customer eligibility, affordability, and creditworthiness.
• Ensure all lending activities comply with internal credit policies, procedures, and regulatory requirements.
• Monitor portfolio quality and implement measures to reduce delinquency and credit risks.
• Conduct periodic risk assessments and recommend appropriate risk mitigation strategies.
• Promote sound credit administration and responsible lending practices.

Loan Monitoring & Recovery

You will:

• Monitor loan repayment performance and maintain a healthy loan portfolio.
• Develop and implement effective collection and recovery strategies.
• Lead recovery initiatives for overdue loans and improve repayment outcomes.
• Collaborate with relevant teams and stakeholders to resolve repayment challenges.

Regulatory Compliance & Reporting

You will:

• Ensure compliance with Bank of Ghana regulations, internal policies, and industry best practices.
• Prepare accurate weekly, monthly, quarterly, and annual business performance reports.
• Maintain complete and accurate documentation for all payroll lending activities.
• Support internal and external audit processes when required.

Team Leadership & Operational Support

You will:

• Lead, coach, mentor, and supervise payroll loan officers and support staff.
• Monitor team performance and provide guidance to improve productivity and service delivery.
• Collaborate with internal departments to enhance operational efficiency and customer experience.
• Promote a high-performance culture focused on growth, compliance, and customer satisfaction.
• Perform any other duties assigned by management.

Qualification Required & Experience

Applicants should have:

Educational Qualification

• A First Degree or Higher National Diploma (HND) in Banking and Finance, Accounting, Finance, Economics, Business Administration, Marketing, Public Administration, or a related discipline.

Professional Qualifications

Professional certifications in any of the following areas will be an added advantage:

• Banking
• Finance
• Risk Management
• Project Management
• Business Administration

Experience

Applicants must have:

• A minimum of three (3) years of relevant experience in government payroll lending, banking, consumer lending, microfinance, or portfolio management.
• Demonstrated experience managing Government Payroll Loan portfolios will be a significant advantage.
• Previous experience within a microfinance institution, savings and loans company, rural bank, or commercial bank.

Knowledge, Skills & Competencies

The successful candidate will demonstrate:

• Strong business development and sales management capabilities.
• Excellent relationship management and stakeholder engagement skills.
• Sound knowledge of payroll lending operations and credit administration.
• Strong understanding of credit risk management principles and practices.
• Excellent loan monitoring, collections, and recovery skills.
• Strong analytical, problem-solving, and decision-making abilities.
• Excellent negotiation, presentation, and communication skills.
• Strong leadership and people management capabilities.
• Excellent organisational and time management skills.
• High integrity, professionalism, and ability to maintain confidentiality.
• Ability to work effectively under pressure and achieve business targets.
• Proficiency in Microsoft Office applications, particularly Excel, Word, and PowerPoint.
• Good knowledge of Bank of Ghana regulations and financial services compliance requirements.

How to Apply

Apply online by clicking the Application button.