Job Title: Vetting Officer (Fresher Jobs)
Organisation: Zembo Motorcycles
Duty Station: Kampala, Uganda
About Organisation:
Zembo Motorcycles SMC Limited is leading the African transition to electric mobility. Based in Kampala, Uganda, we provide affordable (PayGo) electric two-wheelers to low-income motorcycle-taxi drivers, most known locally as “boda-boda ”drivers. We offer a battery swapping service to our clients, enabling to swap within minutes at any of our stations.
Job Summary: The Vetting Officer plays a critical role in ensuring that only qualified, well-informed, and committed clients are onboarded into the lending program. The Vetting Officer is responsible for verifying applicant information, conducting client training and contracting, ensuring smooth asset handover, carrying out educational calls, and monitoring clients in the field. By bridging due diligence and customer support, the Vetting Officer helps minimize default risk, promote timely repayments, and strengthen the relationship between the company and its clients
Key Duties and Responsibilities:
Client Verification & Risk Assessment
- Review loan applications and supporting documents for completeness and accuracy.
- Conduct field and/or phone verifications to confirm client information.
- Evaluate applicants against vetting criteria including creditworthiness, repayment capacity, and behavioral indicators.
- Flag suspicious or incomplete applications and escalate borderline cases to the Senior Vetting Officer.
Client Onboarding, Contracting & Education
- Conduct in-person onboarding and training sessions to ensure clients understand their obligations, company policies, and proper asset use.
- Prepare and review loan and asset contracts with clients, ensuring full understanding before signing.
- Coordinate with relevant teams to schedule and facilitate bike handovers for fully vetted and onboarded clients, ensuring proper documentation and acknowledgment at handover.
- Contact newly approved clients before their first payment date to explain loan terms, repayment schedules, payment channels, and consequences of non-payment.
Field Visits & Customer Monitoring
- Conduct field visits to follow up on early warning signs, delinquent clients, or defaulters, verifying asset location and client engagement on the ground.
- Engage clients and guarantors to understand repayment challenges and encourage timely payment.
- Document visit findings clearly and share timely reports to support decision-making (e.g., restructuring, recovery, or escalation).
- Provide feedback from the field to improve vetting, onboarding, and collection strategies.
Documentation & Data Management
- Maintain accurate, complete, and well-organized records for vetting, onboarding, contracting, handovers, and field visits — both in physical files and digital systems.
- Ensure data is stored in compliance with internal policies and data protection standards.
- Prepare and submit daily vetting, onboarding, and monitoring reports.
Stakeholder Engagement & Compliance
- Collaborate with Sales, Credit, Collections, Operations, and Customer Experience teams to resolve discrepancies and ensure smooth client onboarding and monitoring.
- Provide feedback to sales teams on common application gaps and client education issues.
- Adhere to credit policies, operational guidelines, and regulatory requirements during all vetting, onboarding, and monitoring processes.
- Identify process loopholes, share insights from field and onboarding trends, and recommend improvements.
Qualifications, Skills and Experience:
- Bachelor’s degree in Business, Finance, Economics, or a related field.
- 2 – 4 years of experience in credit vetting, loan processing, client onboarding, or asset financing.
- Familiarity with KYC, credit analysis, field monitoring, and customer training.
- Excellent communication and presentation skills.
- High integrity, attention to detail, and a client-focused mindset.
- Strong organizational skills and attention to detail.
- Experience in asset-based financing (e.g., motorcycles or vehicles) is an added advantage.
How to Apply:
All candidates should apply online at the link below.
For more of the latest jobs, please visit https://www.theugandanjobline.com or find us on our facebook page https://www.facebook.com/UgandanJobline
Level of Education: Bachelor Degree
Work Hours: 8
Experience in Months: 24