Credit Officer

Responsibilities:

• Source and screen potential borrowers using psychometric tests and mobile wallet transaction analysis
• Conduct comprehensive field investigations and character assessments
• Build and maintain strong relationships within assigned territories
• Achieve and maintain a 100% repayment rate through proactive customer engagement
• Implement biometric repayment tracking systems
• Utilize community-based recovery strategies for group lending products
• Actively promote green lending and asset financing products
• Educate customers on digital banking services and mobile applications
• Support agent banking operations in assigned territories
• Utilize mobile applications for customer onboarding and loan processing
• Maintain accurate digital records of all customer interactions- Support the transition from manual to digital processes

• OND/HND in any field
• Additional certifications in sales or customer service preferred
• Minimum 2 years in field credit operations or sales
• Demonstrated 100% loan recovery rate in previous roles
• Experience with both individual and group lending models
• Proficiency with mobile applications and field operation tools
• Knowledge of credit assessment and verification techniques
• Basic understanding of digital payment systems
• Strong interpersonal and communication skills
• High integrity and ethical standards
• Resilience and ability to work under pressure
• Cultural sensitivity and local market knowledge