Jobs at Payment Access System Limited

Job Summary

• The Direct Sales Agent (DSA) is responsible for selling the company’s digital financial services and products directly to customers, merchants, and agents within an assigned territory.
• The role focuses on onboarding new customers, promoting fintech products (wallets, POS services, mobile banking, loans, bill payments, etc.), and driving transaction growth through field engagements.

Key Responsibilities

• Identify and engage prospective customers for digital banking, wallets, POS services, and other fintech products.
• Conduct customer onboarding, ensuring accurate KYC requirements and documentation.
• Promote account openings, wallet activations, and product registrations.
• Achieve daily, weekly, and monthly sales targets for customer acquisition and product uptake.
• Conduct market activations, field promotions, and door-to-door campaigns.
• Upsell and cross-sell other fintech products such as loans, savings, insurance, bill payments, and transfers.
• Identify and onboard merchants for payment acceptance, POS usage, and other digital payment services.
• Provide basic training to merchants on device usage, app navigation, and transaction handling.
• Support agents or merchants in resolving simple operational challenges.
• Maintain strong relationships with customers and merchants in assigned areas.
• Provide frontline support and escalate complex issues to supervisors.
• Conduct periodic follow-ups to encourage customer retention and transaction activity.
• Maintain accurate daily sales records and submit timely reports.
• Ensure compliance with KYC, AML, and all regulatory requirements.
• Report field insights, customer feedback, and competitor activities.

Qualifications & Requirements

• HND / B.Sc. Degree in Business, Finance, Economics, Accounting, Marketing or related field.
• 1-3 years experience in field sales, banking, fintech, telecoms is preferred.
• Basic understanding of digital payments, POS operations, or mobile banking.
• Good communication and interpersonal skills.
• Ability to work independently, meet targets, and manage field challenges.
• Smart phone proficiency and basic digital literacy.

go to method of application »

Job Summary

• The Fintech Aggregator is responsible for recruiting, onboarding, managing, and supporting agents, merchants, and sub-aggregators within an assigned territory.
• The role ensures transaction growth, service availability, liquidity management, and compliance with fintech operational standards.
• The Aggregator acts as the link between the company and field agents, ensuring sustainable financial inclusion and expanding the company’s digital payment ecosystem.

Key Responsibilities

• Source, recruit, and onboard new agents and merchants within assigned locations.
• Conduct due diligence and KYC documentation for onboarding.
• Expand agent coverage to underserved areas and meet monthly acquisition targets.
• Manage and support existing agents, ensuring they are active and compliant.
• Address operational challenges, POS issues, customer complaints, and service disruptions.
• Ensure agents adhere to company processes, transaction guidelines, and standards.
• Monitor agent liquidity and ensure consistent service availability.
• Support agents with float balancing through approved channels.
• Identify high-performing agents requiring increased float limits and escalate accordingly.
• Track daily/weekly transaction volumes and drive performance improvements.
• Implement promotional campaigns and field activations to boost usage.
• Provide coaching to agents on best practices and customer service.
• Ensure KYC and AML compliance at agent and merchant levels.
• Monitor suspicious transactions and escalate potential fraud cases.
• Enforce compliance with company and regulatory standards.
• Submit daily/weekly field activity reports to management.
• Track competitor activity, market trends, and emerging risks.
• Provide insights to improve product adoption and operational efficiency.

Qualifications & Requirements

• HND / B.Sc Degree in Business, Finance, Economics, Accounting, Marketing or related field.
• 5-7 years’ experience as an aggregator, field agent coordinator, mobile money operator, or in general field sales.
• Strong knowledge of POS operations, agency banking, digital payments, and financial inclusion systems.
• Excellent communication, negotiation, and interpersonal skills.
• Ability to work independently in the field and meet high performance targets.
• Proficiency with spreadsheets, reporting dashboards, and mobile apps.
• Strong ethical standards and accountability.

go to method of application »

Job Summary

• The Head of Operations provides strategic leadership and oversight for all operational activities within the fintech, ensuring efficient service delivery, seamless transaction processing, effective agent network performance, operational excellence, and regulatory compliance. This role drives process optimization, technology alignment, customer satisfaction, and business scalability across the organization.

Key Responsibilities

• Develop and execute the company’s operational strategy in alignment with business goals.
• Lead and manage operations teams across agent banking, customer support, dispute resolution, settlements, and field operations.
• Establish KPIs and monitor performance to ensure operational efficiency and growth.
• Oversee end-to-end transaction operations including payment processing, transaction monitoring, reconciliations, and settlement accuracy.
• Ensure uptime of services, POS network stability, and seamless customer/merchant experiences.
• Collaborate with IT/Engineering to enhance system performance and resolve technical escalations.
• Oversee recruitment, training, and performance of aggregators, agents, and merchants.
• Ensure liquidity management, float stability, and effective channel support.
• Drive adoption and usage of digital financial services across assigned regions.
• Implement operational controls to mitigate fraud, service failures, and financial losses.
• Ensure compliance with CBN regulations, KYC/AML standards, and data security requirements.
• Work with Compliance/Risk teams to define SOPs, risk frameworks, and escalation thresholds.
• Identify process gaps and drive continuous improvement initiatives across workflows.
• Implement automation solutions to enhance speed, accuracy, and scalability.
• Champion Lean operations, cost efficiency, and digital transformation.
• Supervise customer service teams, ensuring timely resolution of complaints and service requests.
• Strengthen feedback mechanisms to improve customer satisfaction and reduce churn.
• Oversee service-quality dashboards and customer experience metrics.
• Liaise with external partners banks, switches, payment processors, aggregators, and regulators.
• Manage escalation communication with executives and key internal stakeholders.
• Support business development initiatives with operational insights.
• Provide weekly, monthly, and quarterly performance reports to senior management.
• Ensure proper documentation of SOPs, operational manuals, and risk logs.
• Track budget utilizations and operational costs for strategic planning.

Qualifications & Requirements

• B.Sc./HND in Business Administration, Finance, Economics, Engineering, or related fields; MBA is an added advantage.
• Minimum of 10–15 years’ experience in operations leadership within fintech, banking, or digital payments.
• Strong understanding of digital financial services, agency banking, POS systems, settlement processes, and CBN regulations.
• Proven experience managing large teams and nationwide operations.
• Strong analytical mindset and proficiency in data-driven decision-making.
• Excellent communication, leadership, and problem-solving skills.

go to method of application »

Job Summary

• The Head is responsible for establishing, leading, and maintaining the company’s information security strategy, governance framework, cybersecurity architecture, and risk-management processes.
• The role ensures that digital financial services, data, infrastructure, and fintech products are secure, compliant with regulatory standards, and resilient against cyber threats.
• The Headprovides leadership in safeguarding customer data, ensuring transaction security, and protecting the organization from operational, cyber, and fraud risks.

Key Responsibilities

• Develop and implement the overall cybersecurity strategy aligned with business and regulatory requirements.
• Establish information security policies, standards, and controls in line with ISO 27001, PCI-DSS, NDPR, and CBN guidelines.
• Lead security governance programs and ensure continuous compliance with industry regulations.
• Oversee day-to-day cybersecurity operations including threat monitoring, detection, response, and remediation.
• Implement and manage SIEM, SOC operations, IDS/IPS, vulnerability scanners, and endpoint protection systems.
• Lead incident response and coordinate recovery efforts for cyberattacks, breaches, and fraud attempts.
• Conduct enterprise-wide security risk assessments covering infrastructure, applications, products, and third-party providers.
• Ensure adequate controls around KYC/AML data, payment processing systems, cloud environments, and APIs.
• Collaborate with Compliance to ensure alignment with CBN, NDPR, and global data protection standards.
• Design secure architecture for fintech platforms: mobile apps, payment gateways, POS systems, wallet systems, and APIs.
• Ensure encryption, secure coding practices, access control, identity management, and endpoint protection.
• Work with Engineering/DevOps to implement secure DevOps (DevSecOps) practices.
• Oversee fraud detection systems, transaction monitoring tools, and anomaly detection.
• Collaborate with Operations to reduce fraud incidents within agent networks, merchants, and digital channels.
• Investigate security breaches, fraud attempts, and unauthorized access incidents.
• Conduct third-party security assessments for service providers, aggregators, and banking partners.
• Ensure security clauses are included in SLAs, vendor agreements, and API integration documents.
• Develop and maintain Business Continuity (BCP) and Disaster Recovery (DR) frameworks.
• Conduct periodic cybersecurity drills, penetration tests, and system recovery testing.
• Lead and mentor the information security team.
• Drive organization-wide cybersecurity awareness and training programs.
• Provide security briefings to senior management and the board.

Qualifications & Requirements

• B.Sc. / HND in Computer Science, Information Security, Cybersecurity, Engineering, or related fields.
• Advanced degree (MSc/MBA) is an added advantage.
• Minimum 8–12 years in cybersecurity, with at least 5 years in leadership roles.
• Experience in fintech, banking, payments processing, or technology security.
• Strong knowledge of:
  • ISO 27001/27002
  • PCI-DSS
  • NDPR / GDPR
  • CBN information security guidelines
  • OWASP, NIST frameworks
• Relevant certifications (strongly preferred):
  • CISM, CISSP, CEH, CRISC, ISO 27001 Lead Implementer/Auditor.
• Experience with cloud security (AWS, Azure), SOC operations, penetration testing, and DevSecOps.

go to method of application »

Job Summary

• The DevOps Engineer is responsible for automating, deploying, monitoring, and maintaining the company’s fintech infrastructure, CI/CD pipelines, cloud resources, security controls, and mission-critical applications.
• The role ensures high availability, scalability, resilience, and secure operations across digital payment systems, APIs, mobile apps, and internal platforms.

Key Responsibilities

• Build, deploy, and manage cloud infrastructure on AWS, Azure, or GCP.
• Maintain servers, containers, microservices, and orchestration platforms (Docker, Kubernetes).
• Ensure uptime, scalability, and performance of fintech systems including payment APIs, wallets, and transaction engines.
• Design and maintain CI/CD pipelines using tools like GitLab CI, Jenkins, GitHub Actions, or Azure DevOps.
• Automate build, test, and deployment processes for backend, frontend, and mobile applications.
• Work closely with software engineers to improve release cycles and deployment efficiency.
• Set up monitoring, logging, and alerting tools (Prometheus, Grafana, ELK, CloudWatch, Datadog).
• Respond to system alerts, troubleshoot issues, and ensure adherence to defined SLAs.
• Participate in 24/7 on-call rotation for production incident management.
• Implement security best practices including identity management, IAM policies, encryption, secrets management, and firewalls.
• Manage API security, SSL certificates, and secure access to infrastructure.
• Ensure compliance with CBN cybersecurity standards, PCI-DSS, NDPR, ISO 27001, and secure DevOps (DevSecOps) practices.
• Automate configuration and provisioning using tools like Terraform, Ansible, or CloudFormation.
• Optimize infrastructure costs, performance, and storage.
• Identify system bottlenecks and improve overall platform efficiency.
• Work with Engineering, Product, QA, and Security teams to support product lifecycle.
• Document infrastructure, deployment processes, DR/BCP procedures, and configuration standards.
• Provide technical support during audits, compliance checks, and security assessments.
• Implement and manage DR strategies and failover environments.
• Conduct periodic DR drills and validate system recovery processes.
• Ensure backup integrity and data redundancy across environments.

Qualifications & Requirements

• B.Sc. / HND in Computer Science, Engineering, Information Systems, or related fields.
• 7–10 years of DevOps or cloud engineering experience.
• Strong understanding of financial technology platforms, payment systems, and API architectures.
• Expertise in cloud platforms (AWS, Azure, or GCP).
• Proficiency with:
  • Docker & Kubernetes
  • Terraform, Ansible, or CloudFormation
  • Linux administration
  • Git, CI/CD pipelines
• Experience with monitoring and logging tools.
• Knowledge of security frameworks (PCI-DSS, ISO 27001, NDPR).
• Familiarity with scripting languages (Bash, Python, Go is a plus).
• Strong troubleshooting, analytical, and problem-solving abilities.

go to method of application »

Job Summary

• The QA Engineer is responsible for ensuring the quality, reliability, and performance of fintech products and platforms.
• This includes mobile apps, web portals, POS systems, payment APIs, wallet applications, and digital banking platforms.
• The QA professional designs and executes test plans, identifies defects, and works with engineering teams to deliver secure, compliant, and user-friendly products.

Key Responsibilities

• Develop detailed test plans, test cases, and test scripts for web, mobile, API, and backend systems.
• Conduct manual and automated testing across all fintech products and features.
• Ensure test coverage for functional, regression, integration, and performance testing.
• Implement and maintain automated test suites using tools like Selenium, Cypress, Postman, JMeter, or similar.
• Support continuous integration and deployment (CI/CD) pipelines with automated testing.
• Track and report automated test results, failures, and defect trends.
• Identify, log, and track software defects in collaboration with developers and product teams.
• Verify defect resolution and perform regression testing to ensure fixes are effective.
• Maintain detailed QA documentation including test results, defect reports, and test metrics.
• Conduct load, stress, and performance testing for critical fintech systems.
• Support security testing for vulnerabilities, encryption, authentication, and transaction integrity.
• Ensure applications meet regulatory compliance standards (CBN, PCI-DSS, NDPR, KYC/AML guidelines).
• Work closely with Product, Engineering, and DevOps teams to ensure timely delivery of high-quality releases.
• Participate in sprint planning, daily stand-ups, and retrospective meetings.
• Provide actionable feedback to improve product functionality, usability, and stability.
• Identify QA process gaps and recommend improvements to enhance product quality.
• Stay updated on QA best practices, fintech trends, and emerging technologies.
• Implement metrics and dashboards to track QA effectiveness and test coverage.

Qualifications & Requirements

• B.Sc./HND in Computer Science, Software Engineering, Information Technology, or related fields.
• 7 - 10 years’ experience in QA within fintech, banking, payments, or technology companies.
• Experience with testing web, mobile, API, and backend systems.
• Strong understanding of QA methodologies: functional, regression, integration, performance, and security testing.
• Familiarity with automated testing tools (Selenium, Cypress, Postman, JMeter, etc.).
• Knowledge of CI/CD, Agile/Scrum workflows, and version control (Git).
• Strong analytical, problem-solving, and attention-to-detail skills.
• Basic understanding of fintech regulations, payment processing, and security standards.

go to method of application »

Job Summary

• The Product Manager/Product Owner is responsible for defining, building, and optimizing fintech products including digital wallets, payments, POS services, lending platforms, mobile apps, APIs, agent banking tools, and merchant solutions.
• The role drives product strategy, customer experience, and end-to-end execution working closely with engineering, design, operations, and business stakeholders to deliver products that meet business goals and delight users.

Key Responsibilities

• Define product vision, strategy, and long-term roadmap aligned with company goals.
• Conduct market research, competitive analysis, and feasibility studies.
• Prioritize features using data, customer insights, and business value.
• Own the product backlog and write detailed user stories, acceptance criteria, and epics.
• Lead sprint planning, review, and backlog grooming sessions.
• Collaborate with Engineering and Design teams to ensure smooth delivery and high-quality releases.
• Gather user feedback and insights from customers, merchants, agents, and partners.
• Identify customer pain points and convert them into product improvements.
• Conduct usability testing and ensure customer-centric design.
• Work with Operations, Business Development, Compliance, Risk, and Finance teams to align product functionality with business needs.
• Manage communication, expectations, and updates across stakeholders.
• Prepare product documentation, release notes, and internal training materials.
• Monitor product adoption, usage, retention, and transaction metrics.
• Analyze data to identify issues, blockers, and improvement opportunities.
• Drive continuous optimization of features, UI/UX, and performance.
• Ensure product features meet regulatory standards from CBN, NDPR, PCI-DSS, AML/KYC, and other fintech-specific compliance guidelines.
• Work with Compliance and Legal teams during product approvals and audits.
• Coordinate with external partners such as banks, switches, payment processors, aggregators, and vendors.
• Manage API integrations, certifications, and interoperability requirements.
• Support business development in partner-facing product presentations.
• Plan and execute product launches and feature rollouts.
• Coordinate with Marketing, Sales, and Support teams for successful adoption.
• Track post-launch performance and iterate accordingly.

Qualifications & Requirements

• B.Sc. / HND in Computer Science, Engineering, Business, Economics, or related fields.
• 7–10 years’ experience in product management in fintech, banking, technology, or payments.
• Strong understanding of digital payments, wallets, agency banking, APIs, POS systems, or digital lending.
• Experience working in Agile/Scrum environments.
• Ability to write clear user stories, wireframes, and product documentation.
• Strong analytical and problem-solving skills.
• Excellent communication, leadership, and stakeholder engagement abilities.
• Proficiency in tools such as JIRA, Trello, Figma, Miro, or product analytics tools.

go to method of application »

Job Summary

• The Social Media & Graphics Specialist is responsible for managing the fintech brand’s social media presence, creating engaging digital content, and designing visual assets that enhance customer engagement, brand awareness, and product adoption.
• This role combines creativity, analytics, and fintech understanding to deliver campaigns across multiple digital platforms.

Key Responsibilities

• Develop, execute, and manage social media campaigns across platforms (Facebook, Instagram, LinkedIn, Twitter/X, TikTok, YouTube, etc.).
• Monitor, analyze, and report on social media performance metrics.
• Engage with followers, respond to queries, and manage community interactions.
• Stay up-to-date with social media trends, fintech news, and competitors’ strategies.
• Design visual assets including banners, infographics, posters, presentations, and ads for social media and marketing campaigns.
• Create engaging multimedia content (images, short videos, GIFs) to support product launches, promotions, and awareness campaigns.
• Maintain brand consistency in all digital content and communication.
• Collaborate with Marketing, Product, and Operations teams to design campaigns that drive fintech adoption and user engagement.
• Implement paid social media campaigns and optimize performance based on analytics.
• Conduct A/B testing of content and visuals to determine effectiveness.
• Track and analyze KPIs such as reach, engagement, click-through rates, and conversions.
• Generate regular performance reports and provide insights to optimize campaigns.
• Use insights to improve content, campaign strategy, and ROI.
• Work with Product and Customer Support teams to communicate fintech updates, promotions, and educational content.
• Support internal presentations, pitch decks, and investor communication with high-quality graphics.
• Assist in the development of brand guidelines, templates, and visual identity.

Qualifications & Requirements

• B.Sc./HND in Marketing, Communications, Graphic Design, Multimedia, or related fields.
• 5–7 years’ experience in social media management and graphic design, preferably in fintech, banking, or technology sectors.
• Proficiency in design tools: Adobe Photoshop, Illustrator, Canva, Figma, After Effects, Premiere Pro, or similar.
• Experience with social media scheduling, analytics, and management tools (Hootsuite, Buffer, Sprout Social, Meta Business Suite).
• Strong understanding of digital marketing, content strategy, and engagement metrics.
• Knowledge of fintech products, digital wallets, and payment systems is a plus.
• Creativity, attention to detail, and ability to meet deadlines.

go to method of application »

Job Summary

• The Head of Finance oversees the financial management, reporting, planning, and control functions of the fintech organization.
• This role ensures financial stability, regulatory compliance, treasury efficiency, revenue optimization, and accurate financial reporting.
• The position plays a strategic role in budgeting, forecasting, investment decisions, and supporting the company’s growth and profitability.

Key Responsibilities

• Lead annual budgeting, forecasting, and long-term financial planning.
• Provide financial insights to guide strategic business decisions.
• Develop financial models to support product pricing, new business lines, and cost optimization.
• Oversee preparation of monthly, quarterly, and annual financial statements.
• Ensure accuracy of financial records in compliance with IFRS and regulatory standards.
• Review and sign off all management accounts, statutory filings, and reconciliations.
• Manage company liquidity, cashflow planning, and treasury operations.
• Oversee float management for agency banking, wallet operations, and settlement accounts.
• Maintain relationships with banking partners, switches, payment processors, and investors.
• Monitor revenue streams across transactions, commissions, interest income, and service charges.
• Implement revenue assurance processes to eliminate leakages and inefficiencies.
• Track operating expenses and drive cost optimization initiatives.
• Ensure timely filing of statutory obligations (taxes, VAT, PAYE, WHT, NSITF, ITF, pension, etc.).
• Coordinate internal and external audits, addressing issues promptly.
• Ensure compliance with CBN regulations, fintech licensing requirements, and financial reporting standards.
• Strengthen internal controls across finance, operations, treasury, and reconciliation processes.
• Monitor financial risks, fraud exposure, and transaction-based vulnerabilities.
• Develop frameworks for financial governance and approval limits.
• Work closely with Operations, Compliance, Product, and Technology teams to support business growth.
• Provide financial guidance for product development, pricing, market expansion, and partnerships.
• Support investor relations and fundraising activities.
• Lead and mentor a high-performing finance team.
• Establish and enforce SOPs for finance operations.
• Build a culture of accuracy, integrity, and accountability.

Qualifications & Requirements

• B.Sc. / HND in Accounting, Finance, Economics, or related field.
• MBA or M.Sc in Finance is an added advantage.
• Professional certification required: ICAN, ACCA (or equivalent).
• Minimum of 10 – 15 years relevant experience, with at least 3 years in a senior finance leadership role.
• Experience working in fintech, banking, agency banking, payments, or digital lending.
• Strong knowledge of IFRS, tax laws, financial reporting, treasury management, and financial compliance.
• Strong analytical, problem-solving, and decision-making skills.
• Proficiency with financial software, ERPs, and reporting tools.