Pennylender
Location: Yaba, Lagos
Department: Risk & Compliance
Reports To: Senior Risk Officer / Risk Manager
Employment Type: Full-Time
Job Summary:
We are seeking a diligent and proactive Junior Field Risk Officer to support risk monitoring activities in the field. The role involves assessing borrower behavior, verifying loan utilization, identifying potential risks, and providing timely feedback on customer and portfolio conditions. This role is crucial to minimizing default and fraud risk and supporting loan recovery efforts.
Key Responsibilities:
- Conduct field visits to verify loan utilization and assess customer compliance with loan terms.
- Identify and report credit, operational, and reputational risks observed at the customer level.
- Support the monitoring of high-risk or delinquent loan accounts.
- Gather intelligence from the field to prevent fraud, default, or unethical practices.
- Assist in the enforcement of credit policies and field risk guidelines.
- Submit daily or weekly field risk reports with clear observations and recommendations.
- Escalate suspicious activity, early warning signs, or red flags to the Risk or Recovery team.
- Collaborate with Loan Officers, Recovery Officers, and Branch Managers to ensure portfolio quality.
- Perform ad hoc field investigations and background verification as assigned.
Requirements:
- OND/HND/BSc in Finance, Business, Risk Management, or related field.
- 0–2 years of experience in field operations, loan monitoring, or customer verification.
- Strong attention to detail and analytical mindset.
- Good communication and report writing skills.
- Ability to work independently and travel frequently within assigned territories.
- Familiarity with SME or micro-lending processes is an added advantage.
Key Attributes:
- High integrity and discretion
- Observant and investigative mindset
- Strong interpersonal and reporting skills
- Ability to manage time effectively under field pressure
Benefits:
- 120, 000 basic salary, Bonus
- Training and career development opportunities
- Transport or field support tools as applicable
- Exposure to risk management best practices
How to Apply: Click here to apply.
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