Job Purpose

To safeguard portfolio quality by making prudent credit decisions and ensuring the precise coordination of employer payroll deductions in line with company policy.

About Four Oaks Financial Services

Four Oaks is a Zambian-registered financial services provider founded to bridge the systemic gap between income and payday. Guided by our "Oak and Roots" philosophy, we believe financial stability is the root system that allows households and businesses to weather economic storms.

Key Duties & Responsibilities

1. Credit Assessment & Decisioning

• Analyze loan applications for authenticity, policy compliance, and potential fraud.
• Conduct affordability checks and debt-to-income calculations to prevent client over-indebtedness.
• Approve loans within delegated authority or recommend restructuring/decline with documented justification.
• Escalate high-value or exception cases to the Credit Manager.

2. Employer Payroll Coordination (Critical)

• Prepare and submit accurate deduction schedules (Name, NRC, Payroll No., Amount, Tenure) to employer HR/Payroll departments.
• Confirm receipt and follow up to ensure deductions are correctly loaded into employer systems.
• Promptly resolve payroll rejections and rectify errors to prevent missed repayments.
• Maintain an up-to-date employer submission register.

3. Portfolio Monitoring & Risk Management

• Monitor repayment performance and track Portfolio at Risk (PAR) trends.
• Identify early warning signs of default and collaborate with the Collections team on high-risk accounts.
• Recommend adjustments to credit criteria based on portfolio performance.

4. Compliance & Reporting

• Maintain audit-ready files while ensuring strict confidentiality of client data.
• Prepare weekly/monthly reports on approval ratios, decline reasons, and submission logs.
• Ensure all actions align with Zambian lending regulations and internal controls.

How to Apply

Interested candidates who resonate with our values of integrity, hard work, and service should submit their CV and cover letter to admin@fouroakszm.com

Four Oaks Financial Services is an equal opportunity employer committed to transforming borrowers into financially independent leaders.

• Analyze loan applications for authenticity, policy compliance, and potential fraud.
• Conduct affordability checks and debt-to-income calculations to prevent client over-indebtedness.
• Approve loans within delegated authority or recommend restructuring/decline with documented justification.
• Escalate high-value or exception cases to the Credit Manager.
• Prepare and submit accurate deduction schedules (Name, NRC, Payroll No., Amount, Tenure) to employer HR/Payroll departments.
• Confirm receipt and follow up to ensure deductions are correctly loaded into employer systems.
• Promptly resolve payroll rejections and rectify errors to prevent missed repayments.
• Maintain an up-to-date employer submission register.
• Monitor repayment performance and track Portfolio at Risk (PAR) trends.
• Identify early warning signs of default and collaborate with the Collections team on high-risk accounts.
• Recommend adjustments to credit criteria based on portfolio performance.
• Maintain audit-ready files while ensuring strict confidentiality of client data.
• Prepare weekly/monthly reports on approval ratios, decline reasons, and submission logs.
• Ensure all actions align with Zambian lending regulations and internal controls.