Risk Control Officer / Auditor

Responsibilities: Assess and evaluate customer creditworthiness, vehicle financing applications, and overall portfolio risk exposure. Monitor loan repayment trends, delinquent accounts, and identify early warning signs of default. Conduct routine internal audits and compliance reviews across departments and operational processes. Investigate suspicious transactions, fraud risks, policy violations, and operational irregularities. Develop and implement risk mitigation strategies, internal controls, and corrective action plans. Ensure compliance with company policies, regulatory requirements, and operational procedures Prepare audit findings, risk reports, and recommendations for management. Conduct periodic portfolio reviews to ensure loan quality and healthy repayment performance. Maintain accurate risk registers, audit documentation, and portfolio performance records. Ensure proper documentation and verification for all financed vehicles and loan files. Support recovery and repossession processes for delinquent accounts where necessary. Develop, implement, and periodically review departmental SOPs and SLAs to improve operational efficiency and accountability. Strengthen operational processes and ensure all workflows are properly documented and standardised. Supervise and guide junior risk/audit personnel where applicable. Collaborate with operations, recovery, finance, and customer service teams to improve portfolio quality. Organize and conduct periodic staff trainings on risk management, compliance, SOPs, audit processes, and operational standards. Identify operational gaps and recommend process improvements and capacity-building initiatives. Prepare and submit daily, weekly, and monthly risk, compliance, and portfolio performance reports. And any-other task as assigned by your supervisor and management Requirements: Minimum of 3 years of experience in a car leasing or hire purchase company Strong knowledge of car loan processing, credit/risk assessment, and risk control Experience with audit, compliance, and internal control processes Ability to monitor loan performance and identify potential risks/defaults Experience leading teams and working effectively under pressure Location: Lagos, Ikeja Work mode: Fully onsite (Monday - Saturday, 9am - 5pm)

Responsibilities: Assess and evaluate customer creditworthiness, vehicle financing applications, and overall portfolio risk exposure. Monitor loan repayment trends, delinquent accounts, and identify early warning signs of default. Conduct routine internal audits and compliance reviews across departments and operational processes. Investigate suspicious transactions, fraud risks, policy violations, and operational irregularities. Develop and implement risk mitigation strategies, internal controls, and corrective action plans. Ensure compliance with company policies, regulatory requirements, and operational procedures Prepare audit findings, risk reports, and recommendations for management. Conduct periodic portfolio reviews to ensure loan quality and healthy repayment performance. Maintain accurate risk registers, audit documentation, and portfolio performance records. Ensure proper documentation and verification for all financed vehicles and loan files. Support recovery and repossession processes for delinquent accounts where necessary. Develop, implement, and periodically review departmental SOPs and SLAs to improve operational efficiency and accountability. Strengthen operational processes and ensure all workflows are properly documented and standardised. Supervise and guide junior risk/audit personnel where applicable. Collaborate with operations, recovery, finance, and customer service teams to improve portfolio quality. Organize and conduct periodic staff trainings on risk management, compliance, SOPs, audit processes, and operational standards. Identify operational gaps and recommend process improvements and capacity-building initiatives. Prepare and submit daily, weekly, and monthly risk, compliance, and portfolio performance reports. And any-other task as assigned by your supervisor and management

Requirements: Minimum of 3 years of experience in a car leasing or hire purchase company Strong knowledge of car loan processing, credit/risk assessment, and risk control Experience with audit, compliance, and internal control processes Ability to monitor loan performance and identify potential risks/defaults Experience leading teams and working effectively under pressure Location: Lagos, Ikeja Work mode: Fully onsite (Monday - Saturday, 9am - 5pm)