Financial Controller at Money in Minutes

Role Summary

• The Financial Controller will provide senior leadership and hands-on ownership of MIM Finance's finance function. The role is responsible for financial reporting, CBN regulatory and prudential reporting, budgeting and forecasting, treasury and liquidity oversight, financial controls, audit, tax, lending-related finance and team leadership. The successful candidate should be capable of operating at senior management level, advising the CEO and management team while maintaining strong day-to-day control of the Company's financial operations.

Key Responsibilities

• Lead the Finance function and take ownership of the quality, accuracy and timeliness of financial information provided to management.
• Prepare and review monthly management accounts, financial statements, budgets, forecasts, cash-flow reports and management analysis.
• Own the preparation, review and timely submission of applicable CBN regulatory and prudential returns, maintaining a clear regulatory reporting calendar.
• Monitor liquidity, treasury, funding requirements, bank balances and key financial obligations to support sustainable lending operations.
• Maintain robust financial controls, approval processes, reconciliations, accounting policies and appropriate segregation of duties.
• Oversee core finance operations including payables, receivables, payments, bank reconciliations, control accounts and financial recordkeeping.
• Provide financial oversight of the lending portfolio, including interest income, loan receivables, impairment/provisioning, collections reconciliation and product profitability.
• Lead annual external audit coordination, tax compliance and other statutory finance requirements and drive timely closure of audit findings.
• Partner with Risk, Compliance, Internal Audit, Credit, Operations, Product and Commercial teams on financial, regulatory and control matters.
• Provide financial insight, scenario analysis and recommendations to the CEO and management team to support business and investment decisions.
• Lead, supervise and develop the Finance team, establish clear standards and create a culture of accuracy, accountability and control.

Experience & Qualifications

• Bachelor's degree in Accounting, Finance, Economics or a related discipline.
• ACA, ACCA or an equivalent recognised professional accounting qualification is required.
• Minimum of 10 years of progressive professional experience across Finance and/or Accounting.
• Minimum of 5 years of that experience must be at senior finance leadership or management level, with responsibility for leading people and/or owning a significant Finance function, controllership remit or major finance workstream.
• Minimum of 5 years of relevant experience within a CBN-regulated financial institution or closely related regulated financial-services environment. Experience in a finance company, fintech, lending business, microfinance bank or commercial bank is particularly relevant.
• Demonstrable hands-on experience with CBN regulatory/prudential reporting and regulatory compliance from a Finance perspective.
• Strong practical experience in management accounts, financial reporting, IFRS, budgeting and forecasting, treasury/liquidity, audit, tax and financial controls.
• Experience in lending or credit-related finance, including loan accounting, interest income, impairment/provisioning and portfolio profitability, is strongly preferred.
• Proven experience engaging senior management, auditors, regulators and other high-level stakeholders.
• Advanced Excel and strong working knowledge of accounting/ERP and financial reporting systems.

Leadership & Professional Competencies

• Strong senior leadership presence with the confidence to challenge, advise and influence management.
• High level of integrity, professional judgement and accountability.
• Strong technical accounting and regulatory-finance capability.
• Commercial and analytical mindset with the ability to translate financial information into business decisions.
• Excellent attention to detail without losing sight of strategic priorities.
• Ability to build structure and strong controls within a growing/start-up environment.
• Clear communication, stakeholder management and team-development capability.

Key Performance Expectations

• Accurate and timely management accounts and executive financial reporting.
• Accurate and timely CBN regulatory and prudential submissions with minimal regulatory exceptions.
• Strong cash-flow, liquidity and treasury visibility.
• Timely reconciliations and prompt resolution of financial exceptions.
• Strong internal controls and finance governance.
• Effective audit coordination and timely closure of findings.
• Reliable budgets, forecasts and financial insight for management decision-making.
• Effective leadership, development and accountability of the Finance team.