Credit Investigator

Discovery Capital Finance Corp.; Taguig; On-site; PHP 335,000 - 580,000; Full time

Benefits offered by this job

Health insurance

Life insurance

Paid training

Staff meals

Promotion opportunities

Company events

Christmas gift

Job summary

Discovery Capital Finance Corp. is seeking a Credit Investigator to conduct thorough credit investigations, verify income, employment, residence, and assets, and prepare detailed reports for decision-makers. The role requires field verification, neighbor and employer interviews, and collaboration with Sales, Credit, and Legal teams.

Strong analytical and communication skills are essential. Candidates should have at least college level education and 1 year of relevant experience.

Qualifications

• Must have at least college level education.
• At least 1 year of relevant experience in credit investigation or related financial services.
• Strong analytical, investigative, and problem-solving skills.
• Excellent interpersonal, negotiation, and communication skills.

Responsibilities

• Conduct credit investigations and evaluate creditworthiness of loan applicants through verification of income, employment, residence, business operations, assets, liabilities, and repayment capacity.
• Perform field verification, background checking, and character investigation through interviews with applicants, employers, neighbors, business references, and other sources.
• Validate information using public records, online resources, and other verification channels.
• Prepare accurate, complete, and objective Credit Investigation Reports with findings and recommendations for Sales and Credit Teams.
• Coordinate with Sales Team on pending/completed credit investigations; liaise with Credit and Legal Teams as needed.
• Ensure investigations comply with company policies, regulatory requirements, and data privacy laws.

Tools

Microsoft Office (Excel/Word/Outlook)

Job description

About the role

Conduct credit investigations and evaluate the creditworthiness of loan applicants through verification of income, employment, residence, business operations, assets, liabilities, and repayment capacity. Perform field verification, background checking, and character investigation through interviews with applicants, employers, neighbors, business references, and other relevant sources. Validate information using available public records, online resources, and other authorized verification channels. Prepare accurate, complete, and objective Credit Investigation Reports with findings and recommendations for the Sales and Credit Teams.

Key responsibilities

• Conduct credit investigations and evaluate creditworthiness of loan applicants through verification of income, employment, residence, business operations, assets, liabilities, and repayment capacity
• Perform field verification, background checking, and character investigation through interviews with applicants, employers, neighbors, business references, and other relevant sources
• Validate information using available public records, online resources, and other authorized verification channels
• Prepare accurate, complete, and objective Credit Investigation Reports with findings and recommendations for the Sales and Credit Teams
• Maintain close coordination with the Sales Team regarding pending and completed credit investigations
• Coordinate with the Credit and Legal Teams on accounts requiring additional verification or resolution
• Ensure all investigations are conducted in compliance with company policies, regulatory requirements, and data privacy laws

About you

• At least College level
• At least 1 year of relevant experience in Credit Investigation or related financial services
• Experience in a financing, banking, lending, or microfinance company is an advantage
• Strong analytical, investigative, and problem-solving skills
• Excellent interpersonal, negotiation, and communication skills
• High level of honesty, integrity, professionalism, and customer service orientation
• Ability to prepare accurate reports and maintain complete documentation
• Ability to use Microsoft Office applications (Excel, Word, Outlook) and other business systems
• Willing to perform extensive fieldwork and travel within assigned areas
• Must possess a valid Professional Driver's License with applicable Restriction Codes/Driver's License Codes for motorcycles

Benefits

• Company Christmas gift
• Company events
• Health insurance
• Life insurance
• Opportunities for promotion
• Paid training
• Promotion to permanent employee
• Staff meals provided