Risk Control Officer / Auditor

Responsibilities:

• Assess and evaluate customer creditworthiness, vehicle financing applications, and overall portfolio risk exposure.
  
• Monitor loan repayment trends, delinquent accounts, and identify early warning signs of default.
  
• Conduct routine internal audits and compliance reviews across departments and operational processes.
  
• Investigate suspicious transactions, fraud risks, policy violations, and operational irregularities.
  
• Develop and implement risk mitigation strategies, internal controls, and corrective action plans.
  
• Ensure compliance with company policies, regulatory requirements, and operational procedures
  
• Prepare audit findings, risk reports, and recommendations for management.
  
• Conduct periodic portfolio reviews to ensure loan quality and healthy repayment performance.
  
• Maintain accurate risk registers, audit documentation, and portfolio performance records.
  
• Ensure proper documentation and verification for all financed vehicles and loan files.
  
• Support recovery and repossession processes for delinquent accounts where necessary.
  
• Develop, implement, and periodically review departmental SOPs and SLAs to improve operational efficiency and accountability.
  
• Strengthen operational processes and ensure all workflows are properly documented and standardised.
  
• Supervise and guide junior risk/audit personnel where applicable.
  
• Collaborate with operations, recovery, finance, and customer service teams to improve portfolio quality.
  
• Organize and conduct periodic staff trainings on risk management, compliance, SOPs, audit processes, and operational standards.
  
• Identify operational gaps and recommend process improvements and capacity-building initiatives.
  
• Prepare and submit daily, weekly, and monthly risk, compliance, and portfolio performance reports.
  
• And any-other task as assigned by your supervisor and management

Requirements:

•  Minimum of 3 years of experience in a car leasing or hire purchase company
• Strong knowledge of car loan processing, credit/risk assessment, and risk control
• Experience with audit, compliance, and internal control processes
• Ability to monitor loan performance and identify potential risks/defaults
• Experience leading teams and working effectively under pressure

Location: Lagos, Ikeja

Work mode: Fully onsite (Monday - Saturday, 9am - 5pm)