DAG Industries Nigeria Limited – We provide the most popular range of Bajaj motorcycles, Bajaj tricycles, Bajaj genuine spares, MRF tyres, DAG lubricants and unfaltering after sales service. Backed by its untiring team of professional and trained technicians, authorized service stations and its own service center, DAG has been instrumental in developing Nigeria through building infrastructure and creating jobs thereby providing a livelihood for the common people in Nigeria. We at DAG are committed to provide genuine spare parts, accessories, and a never failing support to its customers and business associates.

We are recruiting to fill the position below:

Job Title: Credit Officer

Locations: Ajah, Agege, Alimosho, Oshodi- Isolo, Ajeromi Ifelodun LGA – Lagos
Employment Type: Full-time

Job Summary

• The Credit Officer is responsible for evaluating customer creditworthiness, managing credit facilities, minimizing financial risk, and supporting vehicle financing operations.
• The role ensures effective credit assessment, loan monitoring, and compliance with company credit policies while supporting automobile sales growth through structured financing solutions.

Key Responsibilities
Credit Assessment & Approval:

• Evaluate credit applications for vehicle purchases, fleet financing, and spare parts financing.
• Conduct detailed financial analysis including income verification, cash flow review, and repayment capacity assessment.
• Perform customer credit checks and risk profiling.
• Recommend credit limits and financing structures based on risk evaluation.
• Verify customer documentation including KYC, bank statements, and guarantor details.

Credit Facility Management:

• Administer and monitor credit facilities for automobile dealers, corporate clients, and retail customers.
• Ensure proper documentation and execution of loan agreements.
• Monitor repayment schedules and ensure timely collections.
• Review credit exposure and recommend facility renewals or restructuring when necessary.
• Maintain accurate credit records and facility tracking reports.

Risk Management & Compliance:

• Ensure adherence to company credit policies and regulatory requirements.
• Identify potential credit risks and implement mitigation strategies.
• Monitor delinquent accounts and initiate recovery actions.
• Work closely with legal and recovery teams on default cases.
• Maintain compliance with internal audit and financial control standards.

Collaboration with Sales & Operations:

• Support automobile sales teams with financing solutions to enhance vehicle sales.
• Liaise with dealers, financial institutions, and customers regarding credit arrangements.
• Provide credit insights to management for business decision-making.
• Assist in developing customer financing programs and credit policies.

Reporting & Documentation:

• Prepare periodic credit risk reports and portfolio performance analysis.
• Maintain proper filing of credit documentation.
• Track overdue accounts and prepare aging analysis reports.
• Provide management updates on credit portfolio health.

Requirements & Qualifications

• Bachelor’s Degree in Finance, Accounting, Business Administration, Economics, or related field.
• 3–5 years’ experience as a Credit Officer preferably in automobile, vehicle financing, loan facility, leasing, or asset financing.
• Strong knowledge of credit analysis, loan structuring, and risk assessment.
• Experience managing credit facilities and repayment monitoring.
• Good understanding of financial statements and credit evaluation techniques.
• Proficiency in MS Excel and credit management systems.

Core Competencies:

• Credit Risk Analysis
• Automobile Financing Knowledge
• Financial Analysis & Reporting
• Loan Administration
• Debt Recovery & Collection
• Attention to Detail
• Negotiation & Relationship Management
• Compliance & Risk Control
• Analytical Thinking
• Communication Skills.

Application Closing Date
30th May, 2026.