Internal Control Officer (Entry Level) job at Numida | Apply Now

Credit Process Monitoring & Compliance

• Review all stages of the digital credit process—application, underwriting, disbursement, and recovery—for compliance and control gaps.

• Audit loan files regularly to ensure adherence to internal credit policies and Standard Operating Procedures (SOPs).

• Verify that all loans meet Know Your Customer (KYC) requirements (e.g., National ID, signed contracts, and valid business documentation).

Client Verification & Field Validation

• Conduct field visits and spot checks to confirm client existence, business legitimacy, and loan utilization.

• Make follow-up calls to clients for validation and feedback on their lending experience.

• Investigate high-risk clients and accounts flagged for irregularities.

Exception Handling & Investigations

• Identify and investigate suspicious activities such as fraud, impersonation, or irregular disbursement behavior.

• Track and analyze anomalies in loan processes (e.g., phone number changes, unauthorized overrides, repayment deviations).

• Maintain detailed logs of all incidents and actions taken; compile weekly and monthly compliance reports.

Review of Declined Applications

• Assess at least 90% of rejected loan applications daily to confirm the accuracy and fairness of rejection decisions.

• Identify improper dismissals and recommend corrective action.

• Collaborate with Credit Relationship Officers (CROs) to enhance decision-making quality and reduce unnecessary rejections.

Training & Internal Support

• Deliver refresher training sessions on credit policy, compliance, and fraud prevention.

• Act as a resource for the Credit Operations team, providing guidance on internal control standards and compliance.

• Recommend process improvements based on audit insights and risk assessments.