Vetting Officer job at Zembo Motorcycles | Apply Now

Client Verification & Risk Assessment

• Review loan applications and supporting documents for completeness and accuracy.

• Conduct field and/or phone verifications to confirm client information.

• Evaluate applicants against vetting criteria including creditworthiness, repayment capacity, and behavioral indicators.

• Flag suspicious or incomplete applications and escalate borderline cases to the Senior Vetting Officer.

Client Onboarding, Contracting & Education

• Conduct in-person onboarding and training sessions to ensure clients understand their obligations, company policies, and proper asset use.

• Prepare and review loan and asset contracts with clients, ensuring full understanding before signing.

• Coordinate with relevant teams to schedule and facilitate bike handovers for fully vetted and onboarded clients, ensuring proper documentation and acknowledgment at handover.

• Contact newly approved clients before their first payment date to explain loan terms, repayment schedules, payment channels, and consequences of non-payment.

Field Visits & Customer Monitoring

• Conduct field visits to follow up on early warning signs, delinquent clients, or defaulters, verifying asset location and client engagement on the ground.

• Engage clients and guarantors to understand repayment challenges and encourage timely payment.

• Document visit findings clearly and share timely reports to support decision-making (e.g., restructuring, recovery, or escalation).

• Provide feedback from the field to improve vetting, onboarding, and collection strategies.

Documentation & Data Management

• Maintain accurate, complete, and well-organized records for vetting, onboarding, contracting, handovers, and field visits — both in physical files and digital systems.

• Ensure data is stored in compliance with internal policies and data protection standards.

• Prepare and submit daily vetting, onboarding, and monitoring reports.

Stakeholder Engagement & Compliance

• Collaborate with Sales, Credit, Collections, Operations, and Customer Experience teams to resolve discrepancies and ensure smooth client onboarding and monitoring.

• Provide feedback to sales teams on common application gaps and client education issues.

• Adhere to credit policies, operational guidelines, and regulatory requirements during all vetting, onboarding, and monitoring processes.

• Identify process loopholes, share insights from field and onboarding trends, and recommend improvements.