Field Risk Officer at Pennylender Limited

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.