Digital Lending Assurance and Control Manager

BASIC PURPOSE:
The job holder is responsible for ensuring the integrity, compliance, and operational efficiency of digital
lending processes within the credit origination lifecycle. The role focuses on monitoring, validating,
and improving digital loan origination systems, workflows, and controls to mitigate risk, enhance
customer experience, and ensure adherence to regulatory and internal standards.
MAIN DUTIES & RESPONSIBILITIES
• Validate end-to-end digital loan origination processes for accuracy, completeness, and
compliance with regulatory requirements (KYC, AML, data privacy).
• Conduct periodic audits and quality checks on digital lending workflows and
documentation..
• Identify gaps, risks, and control weaknesses in digital origination systems.
• Recommend and implement corrective actions to minimize operational and credit risk.
• Monitor loan origination system performance and ensure seamless integration with core
banking platforms.
• Collaborate with IT and product teams to resolve system issues and enhance automation.
• Review flagged applications for potential fraud or irregularities.
• Work with fraud prevention teams to strengthen digital lending security protocols.
• Ensure compliance with local banking regulations, internal credit policies, and digital
lending standards.
• Maintain up-to-date knowledge of regulatory changes impacting digital lending.
• Prepare assurance reports highlighting process gaps, compliance breaches, and
improvement opportunities.
• Track KPIs related to origination accuracy, turnaround time, and error rates.
• Liaise with branches to monitor performance of the digital loan portfolio and ensure the
Portfolio-At-Risk (PAR) is maintained at acceptable levels as set by the Bank.
• Make use of existing technologies to maximize customer contact whilst minimizing cost
per contact, review and propose new technologies as required.
• Ensure compliance with all credit policies and procedures.
• Track and analyze the performance of the digital lending portfolio, including delinquency
trends, NPL ratios, and early warning indicators.
• Prepare assurance and portfolio monitoring reports highlighting process gaps,
compliance breaches, and improvement opportunities.
• Track KPIs related to origination accuracy, turnaround time, error rates, and portfolio risk
metrics.
• Monitor credit quality and risk concentration across segments, products, and channels.
• Provide insights on portfolio health to support proactive risk management and decisionmaking.
• Develop dashboards and reports for senior management on portfolio performance and
assurance findings
QUALIFICATIONS, SKILLS AND EXPEREINCE
QUALIFICATIONS
• Bachelor’s degree in Business related courses
• MBA will be an added advantage
SKILLS
• Technical knowledge in Loan Origination Systems, portfolio analytics tools, and
regulatory compliance frameworks.
• Excellent Data analysis and Microsoft PowerPoint and Excel skills.
• Critical Thinking and Problem solving
• High level of attention to detail and interpersonal skills
• Excellent written, oral communication skills, negotiation Skills and stakeholder
management
• Take ownership for the work assigned and have good follow through skills.
• Ability to consistently deliver accurate results on-time and hold others accountable.
• Demonstrate ability to work in an ambiguous and fast paced environment.
• Ability to successfully engage in multiple initiatives and manage multiple priorities.
• Exceptional eye for details
• Strong analytical and problem-solving skills.
• Knowledge of KYC/CIP, AML, lending regulations, and portfolio risk metrics.
• Ability to interpret data and provide actionable insights
EXPERIENCE
• 5 years relevant work experience with a focus on credit origination, digital lending
operations, risk assurance, or portfolio monitoring.
If you believe you can clearly demonstrate your abilities to meet the criteria given above, please submit
your job application cover letter along with a detailed resume, copies of the relevant certificates and
testimonials in a single PDF file format, quoting the respective Job title or Ref no. in the subject field to