Pre-Disbursement Agent - Ogun

Carbon Nigeria is hiring a Pre-Disbursement Agent in Ogun, Nigeria. The role involves conducting physical visits to verify applicants' addresses, assess their business operations, and validate information through interviews. Responsibilities include identifying risks, capturing geolocation data, and ensuring compliance with KYC regulations. Candidates should possess strong investigative skills, communication abilities, and attention to detail. Experience in microfinance is a plus.
Responsibilities




Conduct physical visits to applicants' residential and business addresses.
Confirm the authenticity of applicants' home and business addresses.
Assess the applicant's business operations, income-generating activities, and repayment capacity.
Interview applicants, guarantors, neighbors, or business associates where necessary to validate information provided.
Identify potential risks, inconsistencies, or fraudulent information during field investigations.
Capture geolocation coordinates and photographs of applicants, businesses, and collateral as required.
Complete field verification reports accurately and submit them within the required turnaround time.
Ensure all Know Your Customer KYC and regulatory requirements are met before loan approval.
Escalate suspicious applications or cases that require further investigation.


Requirements




Strong investigative and analytical skills.
Excellent verbal and written communication.
Good interpersonal and negotiation skills.
High level of integrity, honesty, and professionalism.
Ability to identify inconsistencies and potential fraud.
Strong attention to detail.
Good report writing and documentation skills.


Nice to Have




Experience in microfinance or digital lending
Knowledge of CBN debt collection guidelines