Senior Officer (Credit Initiation)

1. Credit Application ProcessingReview and process credit applications submitted from branches and sales channels Verify completeness and accuracy of customer documents and application data Ensure all required documents are collected in accordance with company policies and regulatory requirements Validate customer information through internal systems and approved verification tools 2. Credit Assessment SupportPerform initial assessment of customer eligibility based on approved credit criteria Review customer profiles, income documents, liabilities, and repayment capacity Escalate suspicious or high-risk cases to the concerned teams (Fraud, Risk, or Credit Policy) Ensure compliance with delegated authority matrix and approval workflow3. System & Data ValidationAccurately input and update customer data within the system Ensure consistency between physical documents and system records Identify and correct data discrepancies before submission for final approval 4. Compliance & Policy AdherenceEnsure all cases comply with: Internal credit policies Operational procedures Regulatory requirements Maintain confidentiality and security of customer information and documents Support compliance reviews and audit requirements when requested6. Coordination & CommunicationCoordinate with branches, sales teams, customer service, and supporting departments to resolve pending issues Follow up on missing documents or required clarifications Support smooth communication between operational units involved in the credit cycleSkillsWhat will you need?· Educational Background: Bachelor’s degree in finance, accounting, or a related field.· Experience: Minimum o 2-3 years of credit senior, team leader, or job work experience in a recognized Consumer Finance & Financial Services.o 1 year of experience in a leadership role· Technical Proficiency:Strong analytical and attention-to-detail skills Good understanding of credit and operational procedures Time management and multitasking abilities Effective communication and coordination skills Problem-solving mindset o Proficiency in Microsoft Office and operational systemso In-depth knowledge of the CF’s credit procedures and policieso Advanced knowledge of MS Excel & PowerPoint