Credit Application Review
- Receive and review customer applications for approval.
- Verify all supporting documents and verify if they are genuine and meet standard credit rules and procedures.
- Check and verify loans applicants’ capacity and affordability indicators for loans.
Basic Financial Assessment
- Review and analyze applicants’ mobile money statements for income and transactions verifications.
- Assess customer repayment capacity and provide sound decisions based on client financial status.
- Assessed client monthly average income and advise on capacity to repay loan installments.
KYC, AML & Fraud Prevention
- Perform KYC compliance checks by calling back clients, local leaders, stage leaders and reference to cross checks client information.
- Identify basic fraud red flags from client statements transactions and other information gaps.
- Coordinate the site visit for clients who require more monitoring for verifications of businesses and address.
Product-Specific Observations
- Verify information is correctly entered on enterprise’ resources system i.e. chassis and engine numbers, plate number and GPS.
- Confirm pricing for each product and confirm if they are correctly entered and loan amount are correctly calculated
- Monitoring GPS information on vehicles and ensure they are online.
Documentation & SLA Compliance
- Maintain accurate documents and ensure they are verified and eligible for submission into enterprises resources system.
- Review and Submit applications for approval within the required standard turnaround time.
- Maintain quality and adhere to KYC and AML compliances
Team Support
- Continuous support for sales team and loan officer for approval and issuance of loans.
- Work and cooperate with other teams in various departments.
- Ensure completion of assigned teamwork in accord with the service level agreement.
Key Performance Indicators (KPIs)
- Turnaround time (TAT): Complete applications within 30–45 minutes of receipt.
- Quality score: maintain minimum ≥ 95% accuracy in applicants documents and assessment.
- Approval recommendation accuracy: At least ≥ 95% alignment with final decisions.
- Fraud detection: identify ≥ 95% of red flag applications before approval/issuance.
- Daily productivity: review ≥ 10 files per day depending on productivity of the day.
- Compliance: 100% adherence to KYC, AML, and credit rules and procedures.
