Pre-Disbursement Agent

Pre-Disbursement Agent - Ogun

We empower individuals with access to credit, simple payments solutions, high-yield investment opportunities and easy-to-use tools for personal financial management. Carbon is headquartered in Lagos, Nigeria. We are a global company of over 90 employees with operations in Nigeria, Ghana and Kenya

Responsibilities

• Conduct physical visits to applicants' residential and business addresses.
• Confirm the authenticity of applicants' home and business addresses.
• Assess the applicant's business operations, income-generating activities, and repayment capacity.
• Interview applicants, guarantors, neighbors, or business associates where necessary to validate information provided.
• Identify potential risks, inconsistencies, or fraudulent information during field investigations.
• Capture geolocation coordinates and photographs of applicants, businesses, and collateral as required.
• Complete field verification reports accurately and submit them within the required turnaround time.
• Ensure all Know Your Customer (KYC) and regulatory requirements are met before loan approval.
• Escalate suspicious applications or cases that require further investigation.

Requirements

• Strong investigative and analytical skills.

• Excellent verbal and written communication.

• Good interpersonal and negotiation skills.

• High level of integrity, honesty, and professionalism.

• Ability to identify inconsistencies and potential fraud.

• Strong attention to detail.

• Good report writing and documentation skills.

• Nice to Have

• Experience in microfinance or digital lending

• Knowledge of CBN debt collection guidelines