Credit Verification Specialist

Ikeja, Lagos, Nigeria, Nigeria
Full Time
Entry Level
Palmpay is a leading digital lending platform in emerging markets, on a mission to democratize access to credit for MSMEs. With hundreds of millions in loans processed and thousands of merchants served monthly, we’re scaling fast, and you’ll play a critical role in building our credit engine from the ground up.
Role Purpose
As our inaugural Verification Specialist, you will:
  • Build Palmpay’s end-to-end credit verification engine—from live application processing to SOP playbook and training.
  • Execute high-quality KYC, document and field verifications to keep our loan book healthy.
  • Coach the first cohort of Verification Officers, embedding your processes and quality standards into a scalable function.
Key Responsibilities
  • Hands-On Verification
    • Process loan applications daily (KYC, ID/CAC/BVN checks, digital data validation).
    • Coordinate field visits with agents for on-site photo captures, inventory spot-checks, and basic bookkeeping walkthroughs.
  • Process Design & Documentation
    • Draft, version-control and maintain SOPs covering every verification step.
    • Create clear workflow maps, define handoff points, and document everything. 
  • Quality Assurance & Iteration
    • Audit verifications daily for errors or fraud signals.
    • Log exceptions, perform 24-hr root-cause analyses, and update SOPs to close gaps.
  • Cross-Functional Partnership
    • Embed CBN KYC/AML rules into all workflows; partner with Risk & Compliance.
    • Liaise with Product & Engineering on basic data integrations (credit bureaus, utility APIs) and UI refinements.
  • First-Line Training
    • Lead initial training sessions; walk new hires through tools, processes, and quality checkpoints.
    • Host weekly “Verification Retrospectives” to capture learnings and drive continuous improvement.
Requirements
  • Experience: 1–2 years as a Verification Officer or Field Credit Officer at a fast-moving fintech or digital lender, with proven ownership of end-to-end processes.
  • Education: Bachelor’s in Finance, Business, Data Analytics or related.
  • Technical Skills: Excel power-user; quick to learn SQL or BI dashboards. Skilled at creating flowcharts and written guides.
  • Startup DNA: Thrive in ambiguity, roll up your sleeves, iterate fast, and always ask, “How can this scale?”
  • Core Competencies: Exceptional attention to detail, strong written & verbal communication, solid grasp of Nigerian credit-risk fundamentals and CBN KYC/AML guidelines.
Why You’ll Thrive
  • Ground-Floor Impact: Shape the playbook and processes that onboard our first 100,000 loan customers.
  • Visible Growth: Exec leadership exposure, and fast track to Credit Operations management
  • Ownership & Learning: Hands-on role with end-to-end responsibility; perfect for builders who want to see their work drive real business outcomes.
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