Finance Operations Officer at Carbon Nigeria

Carbon is a pan-African digital bank with a mission to provide friction-free finance to its customers. Carbon promises to play a fundamental role in its customers’ lives wherever they are, with flexible solutions. We pride ourselves on our efficiency and with just $10mm of equity raised in 2015, we have disbursed over $100m in loans and earned more than $30mm in revenue over the last 2 years. Carbon has operations in Ghana, Kenya, and Nigeria, supported by a talented team spread between Lagos, Nairobi, London, Argentina, and Palo Alto so we operate with a remote-first mindset.

We are recruiting to fill the position below:

Job Title: Finance Operations Officer

Location: Lagos
Job type: Full-time
Department: Finance

About the role

• In this Finance Operations role, you will be pivotal in the efficient management of day-to-day financial transactions and processes.
• Working alongside senior finance leaders, you’ll be responsible for maintaining financial accuracy, optimizing workflows, and ensuring compliance with CBN regulations.
• This role is ideal for someone who is detail-oriented, analytical, and committed to operational excellence in a dynamic environment.

Responsibilities

• Perform daily reconciliation of NIBSS transfers, VISA card payments, wallet airtime, and bill payments.
• Provide first-level support to troubleshoot failed transfers and bill payment issues.
• Ensure timely refunds for customers impacted by failed transfers, bill payments, airtime, and disputes.
• Review and resolve discrepancies between customer accounts and the core banking application (Mifos).
• Conduct thorough reviews of our savings and loan products to ensure accuracy.
• Develop dashboards and leverage tools like Retool or similar applications to automate manual processes, streamline workflows, and enhance transparency
• Automate routine tasks such as daily loan repayment postings, bulk refunds of failed transfers and recurring payments, and monthly regulatory reporting.
• Manage relationships with external partners, including banks and payment processors, to ensure smooth operations.

Requirements

• Experience in reconciling payment transactions on NIBSS platform, Paystack, Interswitch, and debit cards – Visa/MC, etc
• Proficiency in documenting processes and workflows on Confluence to ensure clarity and consistency
• Strong analytical skills, including background in investigating financial data anomalies and identifying root causes
• Knowledge of payment systems, settlement processes, and financial reporting frameworks.
• Experience with core banking systems like Mifos is a plus
• Familiarity with automation tools like Retool and a proven ability to implement technology-driven solutions is an advantage.
• Ability to thrive in a fast-paced and dynamic work environment.

Benefits

• A great and upbeat work environment populated by a multinational team.
• Health Insurance.
• Life Insurance.
• Career Development & Growth.