Careers Verified Limited Management Trainee Program (Consumer Lending)

At Careers Verified, we go beyond narrowly defined client’s issues, we create opportunities for our clients, candidates, colleagues, collaborators, and the community. Through a network of diversified but highly complementary line of business, we help organizations find critical talent, access cutting-edge advice and get the innovative support they require to grow in a challenging market. We partner with businesses and organizations of varying size and structure across diverse sectors, such as Oil and Gas, Engineering, Finance, Telecom, FMCG, Legal, Technology, Healthcare, Travel and Aviation etc. to enhance business performance and to optimize for growth to achieve exceptional results. What sets us apart is the depth of our capabilities, creative problem solving approach and proven track record in our practice area combined with in-depth knowledge of the realities of the industries we serve.

We are recruiting to fill the position below:

Job Title: Management Trainee Program (Consumer Lending)

Location: Lagos
Employment Type: Full-time

Job Summary

• The Consumer Lending Management Trainee Program is designed to develop high-potential graduates into future leaders in retail and consumer lending.
• Trainees will gain hands-on experience across key lending functions including loan origination, credit analysis, risk management, collections, sales, and customer experience.

Key Responsibilities
Lending & Credit Operations:

• Support the end-to-end consumer loan process: sourcing, appraisal, approval, disbursement, and monitoring
• Assist in evaluating customer creditworthiness using income analysis, credit bureau reports, and risk scoring tools
• Prepare and review loan documentation in line with internal policies and regulatory requirements.

Data, Reporting & Analysis:

• Analyze loan performance data and prepare management reports
• Track key lending KPIs including approval rates, portfolio growth, and non-performing loans
• Support process improvement initiatives through data-driven insights.

Learning & Development

• Participate in structured classroom training, on-the-job learning, and mentorship programs
• Complete periodic assessments and project assignments
• Rotate across consumer lending units and branches as assigned.

Sales & Relationship Management:

• Support consumer loan sales initiatives across products such as personal loans, salary loans, auto loans, and digital lending products
• Engage customers to understand financing needs and recommend appropriate lending solutions
• Build and maintain strong relationships with internal and external stakeholders.

Risk & Compliance:

• Ensure adherence to credit policies, lending limits, and regulatory guidelines
• Assist in monitoring portfolio performance, delinquency trends, and early warning signals
• Support loan recovery and collections activities where required.

Key Requirements
Educational Qualification

• Bachelor’s degree in Finance, Economics, Accounting, Business Administration, Banking, or related fields
• Minimum of Second Class Upper (or equivalent).

Experience:

• 0 year of work experience NYSC completed.

Skills & Competencies:

• Strong analytical and numerical skills
• High ethical standards and attention to detail
• Proficiency in Microsoft Excel and basic data analysis
• Willingness to learn and work in a fast-paced environment.
• Good understanding of basic financial concepts
• Excellent communication and interpersonal skills

How to Apply
Interested and qualified candidates should:
Click here to apply

Application Deadline 31st January, 2026.