Credit Verification Specialist at PalmPay

Palmpay is a leading digital lending platform in emerging markets, on a mission to democratize access to credit for MSMEs. With hundreds of millions in loans processed and thousands of merchants served monthly, we’re scaling fast, and you’ll play a critical role in building our credit engine from the ground up.

Role Purpose

As our inaugural Verification Specialist, you will:

• Build Palmpay’s end-to-end credit verification engine—from live application processing to SOP playbook and training.
• Execute high-quality KYC, document and field verifications to keep our loan book healthy.
• Coach the first cohort of Verification Officers, embedding your processes and quality standards into a scalable function.

Key Responsibilities

• Hands-On Verification
  • Process loan applications daily (KYC, ID/CAC/BVN checks, digital data validation).
  • Coordinate field visits with agents for on-site photo captures, inventory spot-checks, and basic bookkeeping walkthroughs.
• Process Design & Documentation
  • Draft, version-control and maintain SOPs covering every verification step.
  • Create clear workflow maps, define handoff points, and document everything. 
• Quality Assurance & Iteration
  • Audit verifications daily for errors or fraud signals.
  • Log exceptions, perform 24-hr root-cause analyses, and update SOPs to close gaps.
• Cross-Functional Partnership
  • Embed CBN KYC/AML rules into all workflows; partner with Risk & Compliance.
  • Liaise with Product & Engineering on basic data integrations (credit bureaus, utility APIs) and UI refinements.
• First-Line Training
  • Lead initial training sessions; walk new hires through tools, processes, and quality checkpoints.
  • Host weekly “Verification Retrospectives” to capture learnings and drive continuous improvement.

Requirements

• Experience: 1–2 years as a Verification Officer or Field Credit Officer at a fast-moving fintech or digital lender, with proven ownership of end-to-end processes.
• Education: Bachelor’s in Finance, Business, Data Analytics or related.
• Technical Skills: Excel power-user; quick to learn SQL or BI dashboards. Skilled at creating flowcharts and written guides.
• Startup DNA: Thrive in ambiguity, roll up your sleeves, iterate fast, and always ask, “How can this scale?”
• Core Competencies: Exceptional attention to detail, strong written & verbal communication, solid grasp of Nigerian credit-risk fundamentals and CBN KYC/AML guidelines.

Why You’ll Thrive

• Ground-Floor Impact: Shape the playbook and processes that onboard our first 100,000 loan customers.
• Visible Growth: Exec leadership exposure, and fast track to Credit Operations management
• Ownership & Learning: Hands-on role with end-to-end responsibility; perfect for builders who want to see their work drive real business outcomes.