Finance Lead

Responsibilities:

Reconciliation and Bookkeeping:

• Reconcile daily transactions disbursements, repayments, and bank settlements — against internal records
  
• Maintain clean, accurate accounting records across all company accounts and product lines
  
• Work alongside the ops team to ensure field-collected payments are correctly posted and reconciled
  
• Identify and resolve discrepancies quickly before they affect reporting or cash position

Financial Reporting and Month-End Close:

• Own the monthly close process — P&L, balance sheet, and management reporting pack
  
• Prepare quarterly and annual financial reports in line with applicable standards
  
• Translate ops data (disbursements, collections, portfolio performance) into clean financial statements
  
• Provide the CEO with clear, accurate financial summaries to support decision-making

Cash Flow andTreasury:

• Monitor company cash position daily across all accounts and product lines
  
• Manage working capital flag liquidity gaps early and escalate to leadership proactively
  
• Oversee banking operations and maintain day-to-day relationships with financial institution partners
  
• Ensure funds are available for disbursement obligations without disrupting operations

Budgeting and Planning

• Develop and manage the annual budget and rolling quarterly forecasts
  
• Track actual vs. budget performance and provide variance analysis with clear commentary
  
• Support financial modelling for new markets, products, and investor reporting requirements

Tax and Compliance:

• Ensure accurate and timely filing of all applicable taxes (CIT, VAT, WHT, PAYE)
  
• Maintain proper documentation for tax purposes and liaise with FIRS and relevant state tax authorities
  
• Support external audits by providing accurate records and reconciliations as required

Business Support:

• Collaborate with ops and credit teams to ensure financial data flowing from the field is complete and accurate
  
• Serve as the primary finance contact for external partners, lenders, and investors
  
• Identify cost optimisation opportunities and flag financial risks to leadership

Requirements:

• Bachelor's degree in Accounting, Finance, Economics, or a related field
  
• Professional certification: ICAN, ACCA, or CIBN required (part-qualified candidates with strong lending experience will be considered)
• Experience
• A minimum of 2–4 years of hands-on finance experience not oversight, not advisory, hands-on
  
• Mandatory background in lending, microfinance, fintech, or financial audit
  
• Demonstrated experience with loan book management, NPL tracking, and transaction-level reconciliation
  
• Exposure to a lean or early-stage organisation is a strong advantage
• Language & Location
• Fluent in English (written and spoken)
  
• Based in Abuja or willing to relocate — this role is fully on-site
  
• Strong technical expertise in accounting, reconciliation, and financial reporting
  
• Deep understanding of lending operations: loan books, NPL ratios, collection tracking
  
• Proficiency in Excel and Google Sheets; experience with QuickBooks, Wave, or similar is a plus
  
• Working knowledge of Nigerian tax obligations, CIT, VAT, WHT, PAYE
  
• High accuracy, attention to detail, and personal ownership of financial records
  Analytical thinker who can translate numbers into clear insights for non-finance leadership
  
• Proactive and self-driven — comfortable building processes in a lean, fast-moving environment
  
• High integrity — trusted with sensitive borrower, investor, and company financial data

Location: Abuja

what we offer:

• Remumeration: NGN400,000/month net
• Direct access to the CEO and leadership team your work shapes real decisions
• Exposure to a full fintech lending operation at an early, high-growth stage
• Opportunity to build and formalise financial systems as we scale