Credit Officer – FinTech

• Identify and recruit new clients through digital platforms, referrals, field activities, and other approved channels.
• Receive, review, and process loan applications through the company’s digital lending systems.
• Conduct thorough client KYC, credit assessment, verification, and due diligence.
• Verify applicants’ employment/business information, referees, guarantors, collateral, and other required documentation.
• Assess clients’ ability and capacity to repay loans.
• Prepare accurate credit assessments and make recommendations for approval or rejection.
• Follow up with clients throughout the loan application and disbursement process.
• Monitor loan repayments and proactively follow up on overdue accounts.
• Maintain accurate and up-to-date client and loan records in the system.
• Meet assigned monthly targets for new client acquisition, loan applications, disbursements, and collections.
• Build and maintain strong client relationships to encourage repeat business and referrals.
• Identify potential fraud, misrepresentation, or inconsistencies and report them immediately.
• Ensure all lending activities comply with company policies, regulatory requirements, and internal SOPs.
• Submit daily/weekly reports, pipelines, and performance updates as required.
• Work closely with the Operations, Verification, Collections, and Management teams to improve portfolio performance.
• Educate clients on loan terms, repayment schedules, fees, and applicable requirements.
• Participate in marketing and business development activities to grow the company’s loan portfolio.
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• Diploma or Bachelor’s degree in Finance, Accounting, Business Administration, Economics, Procurement, or a related field.
• Previous experience in microfinance, digital lending, fintech, banking, or credit is an added advantage.
• Strong sales and business development skills.
• Good understanding of credit assessment and loan processes.
• Excellent communication, negotiation, and customer service skills.
• Ability to use digital platforms and loan management systems.
• Strong attention to detail and analytical ability.
• Target-driven, proactive, and able to work with minimal supervision.
• High level of integrity and confidentiality.
• Ability to work effectively in a fast-paced FinTech environment.

• New clients acquired
• Loan applications processed
• Monthly disbursement value
• Portfolio quality
• Collection/recovery performance
•  Client retention
• Accuracy and turnaround time of credit assessments
• Compliance with company SOPs and reporting requirements

Qualifications

• Diploma or Bachelor’s degree in, Sales and Marketing,  Business Administration   Finance, Accounting, Economics, Commerce, or a related field

Compensation

• Attractive salary.
• Structured performance-based commission.