Pennylender is a credit finance house typically provides a range of financial services, including credit facilities, and We specialize in evaluating credit risk, managing loan portfolios, and offering financial solutions tailored to our clients' needs. With a focus on assessing creditworthiness and providing access to capital,we play a crucial role in facilitating economic growth and supporting financial stability within the community

We are recruiting to fill the position below:

Job Title: Field Risk Officer
Location: Sabo - Yaba, Lagos
Employment Type: Full-time


Job Summary

* We are looking for a diligent and proactive Field Risk Officer to support the Risk Department in conducting on-field credit risk analyses and KYC (Know Your Customer) activities for prospective clients.
* This role involves assessing borrower behavior, verifying loan utilization, identifying potential risks, and providing timely feedback on customer and portfolio conditions.
* It is crucial for minimizing default and fraud risks and for supporting loan recovery efforts.


Key Responsibilities

* Field Visits: Conduct field visits to verify client information, assess business operations, and monitor collateral
* Risk Management: Identify, assess, and mitigate credit risks, implementing strategies to minimize potential losses.
* Documentation and Compliance: Ensure accurate documentation and compliance with the in-house credit policies, regulations, and laws.
* Collaboration: Work with internal stakeholders, such as credit committees, risk management teams, and operations departments.
* Identify and report credit, operational, and reputational risks observed at the customer level.
* Support the monitoring and recovering 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.
* Reports: 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

* Candidates should possess an HND/BSc in Finance, Business, Risk Management, or related field with 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.
* Basic Excel and Microsoft knowledge.
* 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

* Competitive salary.
* Training and career development opportunities.
* Transport or field support tools as applicable.
* Exposure to risk management best practices.


Application Closing Date
1st August, 2025.

How to Apply
Interested and qualified candidates should send their CV and a short Cover Letter to: career@pennylender.com using the Job Title as the subject of the mail.