Location: Nairobi and environs

Reports to: Credit/Operations Manager

What This Role Is

You're the quality control checkpoint before we disburse loans. Your job is to physically visit clients who've applied (whether through field sales or digitally), verify their KYC documents, confirm their business exists and operates as claimed, and catch any red flags before money goes out. You're protecting the company from fraud and poor credit decisions.

Physical Verification (70%)

● Visit 8 client business premises daily across your assigned territory

● Verify business exists at stated location and operates as described in application

● Cross-check KYC documents (ID, business permits, KRA PIN) against physical reality

● Take geotagged photos of business premises, stock, and client at location

● Confirm business ownership - is the applicant the actual owner

● Assess business viability - does the stock level, customer traffic, and setup match claimed turnover?

● Interview client briefly to spot inconsistencies with application details

● Document findings immediately in verification app/CRM

Fraud Detection (15%)

● Spot red flags: fake documents, shell businesses, address mismatches, suspicious patterns

● Verify landlord details and business tenure at location

● Check for duplicate applications (same business, different names)

● Flag ghost businesses, inflated turnover claims

● Report suspected fraud cases immediately to credit team with evidence

● Build intelligence on fraud hotspots and patterns in your territory Documentation & Reporting (10%)

● Complete verification reports within 2 hours of visit

● Upload photos and notes to system before end of day

● Clear recommendations: Approve, Reject, or Request More Info

● Weekly fraud/red flag summary report to management

● Monthly territory risk assessment based on verification patterns

Coordination (5%)

● Work with credit team on flagged applications - provide additional context

● Liaise with field marketing team lead when verification raises questions

● Coordinate with collections on clients who go delinquent (were there warning signs?)

● Feed insights back on what "good" vs "risky" applications look like in practice

Who You Are

Must Have:

● 1-3 years in field verification, credit assessment, or investigative work (banking, MFI, insurance, or investigative roles)

● Strong attention to detail - you spot inconsistencies others miss

● Comfortable travelling across territories daily (you'll cover a lot of ground)

● Good judgment - can distinguish genuine small business challenges from fraud

● Tech-savvy - comfortable with smartphone apps, GPS, photo documentation

● Assertive but professional - you ask tough questions without being aggressive

● Fluent Swahili and English

Good to Have:

● Prior fraud detection or investigation experience

● Knowledge of Nairobi and it’s environs geography and business areas

● Understanding of different business types (wholesale, retail, import, distribution)

● Experience working with KYC/AML requirements

Deal Breakers:

● Can be easily manipulated or intimidated

● Sloppy documentation or poor follow-through

● Uncomfortable visiting markets, industrial areas, or informal business setups

● Can't work independently without constant supervision