eShandi is one of Africa's fastest-growing fintech companies, transforming financial inclusion through innovative digital financial solutions. Our ecosystem spans digital lending, embedded finance, payments, digital banking, agency banking, and financial technology infrastructure, enabling individuals and businesses to access affordable and convenient financial services.

As we continue to grow, we are seeking a detail-oriented and analytical Finance Operations Officer to support our finance function by ensuring the accuracy, integrity, and efficiency of our financial operations.

Position Summary:

The Finance Operations Officer will play a key role in supporting eShandi's day-to-day financial operations by managing reconciliations, financial accounting, management reporting, and operational finance processes. The successful candidate will ensure that financial transactions are accurately recorded, reconciled, and reported while supporting process improvements, regulatory compliance, and financial controls across the business.

This role is ideal for an ambitious finance professional with strong accounting fundamentals and an interest in working within a fast-paced fintech environment.

Key Responsibilities:

Financial Operations

• Process and review daily financial transactions.
• Maintain accurate accounting records and general ledger entries.
• Prepare journals, accruals, and month-end adjustments.
• Support month-end and year-end financial close processes.
• Ensure timely processing of payments and receipts.

Reconciliations

• Perform daily, weekly, and monthly reconciliations of:
  • Bank accounts
  • Mobile money wallets
  • Payment gateways
  • Settlement accounts
  • Customer loan accounts
  • Suspense accounts
  • General ledger control accounts
• Investigate and resolve reconciliation differences promptly.
• Monitor settlement timelines and outstanding balances.

Financial Reporting

• Prepare monthly management accounts.
• Assist in preparing financial statements in accordance with IFRS.
• Generate operational and financial performance reports.
• Support budgeting and forecasting processes.
• Analyse financial data and identify trends or anomalies.

Lending & Payment Operations

• Reconcile loan disbursements and customer repayments.
• Monitor payment settlements across multiple payment channels.
• Verify interest calculations, fees, commissions, and charges.
• Support finance processes related to embedded finance and digital payment products.
• Assist with revenue reconciliation across business lines.

Internal Controls & Compliance

• Maintain strong financial controls and ensure adherence to company policies.
• Assist with internal and external audits.
• Prepare supporting schedules and audit documentation.
• Support statutory and regulatory reporting requirements.
• Ensure compliance with accounting standards and regulatory obligations.

Process Improvement

• Identify opportunities to automate finance processes.
• Recommend improvements to reconciliation and reporting procedures.
• Assist in implementing finance systems and digital tools.
• Collaborate with Product, Engineering, Risk, and Operations teams to improve financial workflows.

Qualifications & Experience

• Bachelor's degree in Accounting, Finance or a related field.
• Up to 2 years' relevant experience in finance, accounting, banking, fintech, or financial services.
• Experience in financial accounting, management accounting, or reconciliations is required.
• Experience within a fintech, digital lender, bank, payment service provider, or financial institution will be an added advantage.
• Professional qualification (ZICA, ACCA, CIMA, CPA or equivalent) is desirable.

Technical Competencies

• Strong understanding of accounting principles and IFRS.
• Knowledge of financial reporting and management accounting.
• Experience with bank and payment reconciliations.
• Proficiency in Microsoft Excel, including Pivot Tables, XLOOKUP, SUMIFS, and data analysis.
• Experience with accounting software or ERP systems (e.g. Sage, QuickBooks, SAP, Oracle, Microsoft Dynamics, Odoo).
• Understanding of digital payment ecosystems, mobile money, and fintech operations is an advantage.
• Familiarity with Power BI or other reporting tools is desirable.

Behavioural Competencies

We are looking for someone who demonstrates:

• High attention to detail and accuracy.
• Strong analytical and problem-solving skills.
• Integrity and professionalism.
• Excellent organisational and time management skills.
• Ability to work under pressure and meet deadlines.
• Strong communication and interpersonal skills.
• Ability to work independently and collaboratively.
• A proactive approach to continuous improvement.
• Curiosity and willingness to embrace technology and automation.

Why Join eShandi?

At eShandi, you'll be part of a purpose-driven organisation committed to expanding financial inclusion across Africa through technology. You'll work with a dynamic and innovative team, gain exposure to cutting-edge fintech solutions, and contribute to products that positively impact the lives of thousands of customers. We offer a collaborative environment that encourages learning, professional growth, and innovation.

• Process and review daily financial transactions.
• Maintain accurate accounting records and general ledger entries.
• Prepare journals, accruals, and month-end adjustments.
• Support month-end and year-end financial close processes.
• Ensure timely processing of payments and receipts.
• Perform daily, weekly, and monthly reconciliations of: Bank accounts, Mobile money wallets, Payment gateways, Settlement accounts, Customer loan accounts, Suspense accounts, General ledger control accounts
• Investigate and resolve reconciliation differences promptly.
• Monitor settlement timelines and outstanding balances.
• Prepare monthly management accounts.
• Assist in preparing financial statements in accordance with IFRS.
• Generate operational and financial performance reports.
• Support budgeting and forecasting processes.
• Analyse financial data and identify trends or anomalies.
• Reconcile loan disbursements and customer repayments.
• Monitor payment settlements across multiple payment channels.
• Verify interest calculations, fees, commissions, and charges.
• Support finance processes related to embedded finance and digital payment products.
• Assist with revenue reconciliation across business lines.
• Maintain strong financial controls and ensure adherence to company policies.
• Assist with internal and external audits.
• Prepare supporting schedules and audit documentation.
• Support statutory and regulatory reporting requirements.
• Ensure compliance with accounting standards and regulatory obligations.
• Identify opportunities to automate finance processes.
• Recommend improvements to reconciliation and reporting procedures.
• Assist in implementing finance systems and digital tools.
• Collaborate with Product, Engineering, Risk, and Operations teams to improve financial workflows.

• High attention to detail and accuracy.
• Strong analytical and problem-solving skills.
• Integrity and professionalism.
• Excellent organisational and time management skills.
• Ability to work under pressure and meet deadlines.
• Strong communication and interpersonal skills.
• Ability to work independently and collaboratively.
• A proactive approach to continuous improvement.
• Curiosity and willingness to embrace technology and automation.
• Strong understanding of accounting principles and IFRS.
• Knowledge of financial reporting and management accounting.
• Experience with bank and payment reconciliations.
• Proficiency in Microsoft Excel, including Pivot Tables, XLOOKUP, SUMIFS, and data analysis.
• Experience with accounting software or ERP systems (e.g. Sage, QuickBooks, SAP, Oracle, Microsoft Dynamics, Odoo).
• Understanding of digital payment ecosystems, mobile money, and fintech operations is an advantage.
• Familiarity with Power BI or other reporting tools is desirable.

• Bachelor's degree in Accounting, Finance or a related field.
• Up to 2 years' relevant experience in finance, accounting, banking, fintech, or financial services.
• Experience in financial accounting, management accounting, or reconciliations is required.
• Experience within a fintech, digital lender, bank, payment service provider, or financial institution will be an added advantage.
• Professional qualification (ZICA, ACCA, CIMA, CPA or equivalent) is desirable.