Credit Officer

We are looking for a Credit Officer to assess credit applications, evaluate customer risk, and make accurate approval or decline decisions within the assigned authority limit. The role involves reviewing iScore and financial information, conducting KYC and document verification, coordinating with field investigation teams, and supporting retailers and sales teams throughout the installment process.

The Credit Officer will also be responsible for maintaining accurate case records, recommending appropriate credit limits, ensuring contract completion and activation, and closing cases with clear and documented outcomes.

Review credit applications and make approve/decline decisions within an assigned authority limit.
Run iScore checks and analyze the applicant's credit history and existing obligations.
Do KYC and document verification and Request missing or incorrect documents, telling the retailer exactly what is needed and why.
Work with field investigation teams on site visits and business verification.
Handle installment tickets and questions or complaints from retailers and sales reps, and resolve them on time.
Set or recommend credit limits based on turnover, repayment capacity, and risk score.
Keep accurate records and case notes in the loan management system or CRM.
Make sure contracts are fully signed and activation is completed.
Close each case as Activated or Dropped, with a clear documented reason.

1–2 years in credit, underwriting, or loan processing ; banking, microfinance, or fintech experience preferred.
Knows iScore, KYC/AML basics, and financial statement analysis.
Good Excel skills; experience with a CRM or ticketing tool is a plus.
Accurate, organized, and able to handle high case volumes.