Job Responsibilities (Key Responsibilities)

1. Loan Application Review

Manually review customer loan applications according to the company's credit policies and risk control rules.

Review customer basic information, phone number authenticity (KYC), identity/NRC information, contact information, income, and repayment ability.

Based on the company's credit policies, make review decisions such as approval/rejection/request for supplementary documents.

2. Information Verification and Risk Identification

Verify customer information via phone, system data, or third-party information.

Identify potential risks, including but not limited to inconsistencies, fraud, abnormal behavior, ID or identity theft, etc.

Submit high-risk or abnormal applications to superiors for review according to procedures.

3. System Operation and Records

Accurately and completely enter review opinions and decision-making basis into the credit system.

Ensure all review operations are traceable and auditable.

4. Compliance and Internal Control

Strictly abide by the company's lending policies, operating procedures, and relevant Zambian laws and regulations.

Do not accept or solicit any form of improper benefit.

Protect customer privacy and ensure customer data security.

5. Cross-departmental collaboration

Maintain effective communication with customer service, collection, risk control, and technology teams.

Assist in handling customer inquiries, reviews, and disputes related to credit review.

6. Performance and Continuous Improvement

Complete daily review volume and timeliness targets as required.

Participate in training and regular meetings to continuously improve review quality and risk identification capabilities.

7. Review Officer Main KPI Requirements

Review at least 100 customer review cases daily.

• Manually review customer loan applications according to the company's credit policies and risk control rules.
• Review customer basic information, phone number authenticity (KYC), identity/NRC information, contact information, income, and repayment ability.
• Based on the company's credit policies, make review decisions such as approval/rejection/request for supplementary documents.
• Verify customer information via phone, system data, or third-party information.
• Identify potential risks, including but not limited to inconsistencies, fraud, abnormal behavior, ID or identity theft, etc.
• Submit high-risk or abnormal applications to superiors for review according to procedures.
• Accurately and completely enter review opinions and decision-making basis into the credit system.
• Ensure all review operations are traceable and auditable.
• Strictly abide by the company's lending policies, operating procedures, and relevant Zambian laws and regulations.
• Do not accept or solicit any form of improper benefit.
• Protect customer privacy and ensure customer data security.
• Maintain effective communication with customer service, collection, risk control, and technology teams.
• Assist in handling customer inquiries, reviews, and disputes related to credit review.
• Complete daily review volume and timeliness targets as required.
• Participate in training and regular meetings to continuously improve review quality and risk identification capabilities.
• Review at least 100 customer review cases daily.