Senior Accountant (Financial Services / Fintech)

Location: Lagos

Reporting Line: Chief Financial Officer / Head of Finance

Employment Type: Full-time

Work Schedule: Hybrid (2 days onsite)

About Company: Our client is a female-focused fintech and business growth company committed to empowering African women in business through access to capital, capacity development, and community.

The company provides business financing, business support, capacity development, and workspace solutions to women-owned and women-led businesses. With a strong focus on financial inclusion, innovation, and sustainable growth, it is building a platform that combines financial services with business development and operational excellence.

Our client is seeking a highly competent, commercially minded, detail-oriented Senior Accountant to manage accounting operations, maintain accurate financial records, prepare financial reports, ensure statutory and regulatory compliance, and strengthen internal financial controls.

The ideal candidate must possess strong technical accounting knowledge, excellent analytical skills, and the ability to independently manage accounting processes, identify financial risks, resolve discrepancies, and provide reliable financial information to support management decisions.

Key Responsibilities:

§ Maintain accurate and up-to-date accounting records in line with applicable IFRS standards and accounting regulations.

§ Prepare monthly, quarterly, and annual financial statements, including profit and loss accounts, balance sheets, and cash flow statements.

§ Prepare monthly management accounts and financial performance reports for management review.

§ Manage general ledger accounts and ensure accurate reconciliation of bank accounts, receivables, payables, and fixed assets.

§ Oversee month-end and year-end closing processes, ensuring accuracy and timely reporting.

§ Maintain proper financial documentation and audit trails for all transactions.

§ Manage loan portfolio accounting, including reconciliation of loan disbursements, repayments, interest income, fees, and outstanding balances.

§ Reconcile loan management system records with the general ledger and resolve identified discrepancies.

§ Ensure accurate recognition of interest income and impairment provisions in line with applicable accounting standards.

§ Prepare periodic reports on loan book performance, interest income, recoveries, and portfolio quality.

§ Identify unusual transactions, accounting discrepancies and potential portfolio risks, and ensure timely resolution.

§ Implement and maintain effective internal financial controls, approval processes and proper segregation of duties.

§ Monitor expenditure against approved budgets and identify control weaknesses or potential financial exposure.

§ Support the preparation of annual budgets, periodic forecasts and cash flow projections.

§ Conduct budget variance analysis and provide financial insights to support management decision-making.

§ Identify cost-saving opportunities and recommend improvements in financial efficiency.

§ Ensure timely preparation and filing of applicable tax returns and statutory obligations.

§ Maintain accurate tax schedules, statutory records, and supporting documentation.

§ Coordinate external audits, respond to audit queries, and ensure timely implementation of audit recommendations.

§ Ensure compliance with applicable Nigerian tax laws, CAC requirements, and other relevant regulatory obligations.

§ Oversee accounts payable, accounts receivable, vendor payments, and expense processing.

§ Review payment requests and supporting documentation to ensure appropriate authorisation and compliance with internal policies.

§ Monitor bank balances, cash movements and liquidity requirements.

§ Prepare bank reconciliations and investigate outstanding transactions.

§ Work closely with the credit, collections and other operational teams to ensure accurate financial reporting and effective resolution of accounting issues.

Requirements

§ Bachelor's degree in Accounting, Finance or a related discipline from a recognised and accredited university.

§ Minimum of Second Class Upper (2:1). Candidates with a Second Class Lower (2:2) must possess a relevant Master's degree from a reputable university.

§ ACA, ACCA, or equivalent professional accounting qualification is mandatory.

§ 5–7 years' relevant accounting experience, with at least 2 years in a senior accounting role.

§ Experience in a financial institution, fintech, microfinance bank, lending company or financial services organisation is strongly preferred.

§ Strong knowledge of IFRS and financial reporting standards.

§ Demonstrable experience preparing financial statements, management accounts and financial reports.

§ Experience in loan portfolio accounting, loan reconciliations, interest income recognition and impairment provisions will be an added advantage.

§ Strong understanding of Nigerian tax regulations, statutory compliance and audit processes.

§ Experience in budgeting, forecasting, cash flow management and financial analysis.

§ Proficiency in accounting software, particularly QuickBooks, and advanced Microsoft Excel skills.

§ Strong knowledge of financial controls, general ledger management and account reconciliations.

§ Excellent analytical, numerical and problem-solving abilities.

§ Strong attention to detail and the ability to identify and resolve financial discrepancies.

§ Excellent communication, interpersonal and stakeholder management skills.

§ High level of integrity, confidentiality, accountability and professional judgement.

§ Ability to work independently, take ownership and deliver accurate results within tight deadlines.

Benefits