About this role
- The Credit Application Review Officer is responsible for validating customer information and supporting credit decision-making by conducting accurate and timely verification of loan applicants.
- The role ensures that all loan applications meet internal risk standards, fraud prevention controls, and regulatory requirements before approval or disbursement.
Responsibilities
- Application Verification: Verify customer information submitted during the loan application process.
- Authentication Checks: Conduct phone-based and system-based verification checks to confirm the authenticity and accuracy of applicant information.
- Fraud & Risk Mitigation: Identify discrepancies, red flags, and potential fraud indicators and escalate suspicious cases in line with internal risk and fraud policies.
- Documentation: Document verification outcomes clearly and accurately.
- SLA Compliance: Adhere strictly to verification SLAs to ensure timely loan processing and customer turnaround time.
- Regulatory & Policy Alignment: Ensure all verification activities comply with internal policies, data privacy standards, and applicable regulatory requirements.
- Process Improvement: Contribute to the continuous improvement of verification processes by providing feedback on recurring issues or gaps identified during verification.
- Cross-functional Teamwork: Collaborate with cross-functional teams to improve verification frameworks.
What success looks like in this role
- Accuracy and Integrity: High-quality verification outputs with minimal errors, ensuring no fraudulent applications bypass internal controls.
- SLA Efficiency: Consistent adherence to processing turnaround times, minimizing bottlenecks in the loan disbursement pipeline.
- Proactive Risk Escalation: Timely and precise identification of discrepancies and fraud indicators to safeguard the business against credit risk.
- Collaborative Optimisation: Active and valuable contributions toward refining internal verification frameworks and workflows.
Experience & Background
- 1–3 years’ experience in loan verification, credit operations, customer verification, or a similar role within a fintech, bank, or financial services organisation.
- Experience with digital lending platforms or consumer loan products is an added advantage.
Skills & Competencies:
- Strong analytical skills.
- High level of integrity, confidentiality, and professionalism.
- Strong understanding of document review and internal controls.
- High attention to detail and risk awareness.
- High ethical standards with commitment to candour, integrity, and accountability.
- Ability to identify root causes of service issues and recommend effective solutions.
- Willingness to work shifts, weekends, or holidays if required.
