• 1–2 years as a Field Loan Officer, Verification Officer, Merchant Onboarding Officer, or similar role in a fintech, microfinance, or digital lender.
  

• OND/HND/Bachelor’s degree in Business, Finance, Accounting, Economics, or related field.
  

• Familiarity with mobile verification tools, geo-tagging, documentation standards, and simple reporting dashboards.
  

● Conduct high-quality offline merchant verification visits across assigned LGAs.

● Validate the authenticity, capacity, and operational integrity of merchants requesting loans.

● Ensure accurate documentation, geo-tagged evidence, and risk assessments to support credit decisions.

● Monitor post-disbursement merchants to confirm loan utilization and repayment readiness, reducing early-stage defaults.

Key Responsibilities

A. Field Verification & Business Validation

● Conduct in-person merchant verification visits across designated LGAs.

● Confirm physical store presence, business category, operational capacity, staff activity, inventory levels, and trading patterns.

● Validate merchant identity and operations through live observations and structured interviews.

B. Document Collection & Evidence Capture

● Collect and upload required documents for verification.

● Ensure all information submitted is accurate, complete, and compliant with internal/CBN standards.

C. Merchant Engagement & Loan Assessment

● Engage merchants to understand business model, cashflow, loan purpose, and capacity.

● Confirm alignment between the requested loan amount and the merchant’s operational reality.

● Educate merchants on disbursement conditions, repayment expectations, and responsibilities.

D. Risk Identification & Reporting

● Prepare clear, timely, and factual verification reports for the Credit Team.

● Flag high-risk cases and recommend follow-up actions or additional checks where needed.

E. Post-Disbursement Monitoring

● Revisit merchants who have drawn down loans to:

○ Confirm actual utilization of funds ○ Assess repayment readiness and early risk signals

○ Identify red flags such as weak sales, reduced inventory, operational decline, or evasive behavior

● Submit revisit reports within required timelines to strengthen early-warning systems.