Credit Application Review Officer

Moniepoint is an all-in-one financial services platform for emerging markets and the second-fastest-growing company in Africa.

Since 2019, Moniepoint’s technology has powered over 3 million people, offering personal and business banking, payment, credit and business management tools to help them succeed. Moniepoint processed $182 billion in 2023 and currently processes the majority of the POS transactions in Nigeria.

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.

• →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.

• 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.

• 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.

• 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.