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Credit Officer
Four Oaks Credit Limited Lusaka
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Employer and vacancy source: Four Oaks Credit Limited
The original vacancy details remain available for reference. Applications are closed, so use the employer information and related searches to find active roles.
- EmployerFour Oaks Credit Limited
- LocationLusaka
- Employer websitezambiajobalerts.com
- Listing sourceZambia Job Alerts
Job facts
Key details for this vacancy
- Employer
- Four Oaks Credit Limited
- Location
- Lusaka
- Posted
- April 26, 2026
- Job type
- Full Time
- Category
- IT & Telecoms
This listing has expired.
The original details remain available for reference, but applications are closed. Use the related searches for active vacancies.
Website Four Oaks Credit Limited
Job description
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.