About the Role
DAG Industries Nigeria Limited, the authorized distributor of Bajaj two-wheelers in Nigeria, is looking for a dynamic and analytical Credit Officer to join our growing team. In this role, you will play a vital part in maintaining our portfolio health by evaluating financing applications, conducting thorough risk assessments, and ensuring strict compliance with internal lending policies.
Key Responsibilities- Assess applicants' income, expenses, financial behaviour, employment stability, character, risk profile, and repayment capacity.
- Conduct structured interviews with applicants and guarantors to determine loan eligibility.
- Review and verify KYC documents, including NIN, BVN, proof of residence, income documents, and bank statements.
- Conduct physical residential and environmental verification of applicants and guarantors.
- Identify red flags, fraud indicators, and credit risks early in the loan lifecycle.
- Prepare comprehensive credit assessment reports and actionable recommendations.
- Ensure accurate data entry and documentation on the company loan origination system.
- Process credit applications within stipulated turnaround times while maintaining strict quality and compliance standards.
- Bachelor's Degree in Finance, Business, Economics, or a related field.
- 2 to 3 years of proven experience in credit assessment, microfinance, vehicle finance, or a similar lending environment.
- Strong understanding of credit analysis, affordability assessment, and regulatory KYC requirements.
- Excellent analytical, communication, interpersonal, and decision-making skills.
- Strong attention to detail and proactive risk awareness.
- Ability to work efficiently with daily and weekly targets while meeting turnaround-time expectations.
- Prior experience in fintech, lending, microfinance, or vehicle financing is a distinct advantage.
- Competitive salary package commensurate with experience.
- Opportunities for professional growth and career advancement within a leading multinational brand.
- Comprehensive health insurance and other corporate welfare benefits.
- A collaborative and supportive work environment that values integrity and performance.