Finance Business Partners at CapitalSage Technology Limited

About the job

• The Finance Business Partner (Tiki) is a high-impact, analytical role positioned at the intersection of Finance, Product, and Strategy. Unlike traditional accounting roles, this position is focused on the economics of cross-border movement. You will serve as a strategic navigator for the business, translating complex transaction data into actionable insights to optimize profitability, manage FX risk, and drive successful expansion into new global corridors.

Key Responsibilities

Strategic Business Partnering & Pricing

• Expansion Advisory: Provide robust financial modeling and feasibility studies for entering new countries, corridors, and payment routes.
• Pricing Strategy: Collaborate with Product and Marketing teams to design competitive pricing models for transfer fees and FX spreads.
• Campaign ROI: Analyze the impact of marketing spend and customer incentives, ensuring that every dollar spent drives sustainable growth.

Revenue & Unit Economics

• Revenue Deep-Dives: Deconstruct revenue streams (Transfer Fees vs. FX Margins) to identify growth bottlenecks.
• Unit Economics: Build and maintain a real-time monitoring framework for unit economics, tracking performance by transaction type, country, and customer segment.

FX & Treasury Analytics

• Exposure Management: Partner with Treasury to monitor FX exposure and currency positions across all operating geographies.
• Volatility Analysis: Conduct "what-if" analyses to measure the impact of FX volatility on margins and overall firm profitability.

Cost Optimization & Operational Efficiency

• Supply Chain Costing: Monitor and audit costs associated with payment switches, APIs, and payout partner fees (banks, wallets, agents).
• CAC Efficiency: Rigorously track Customer Acquisition Costs (CAC) to ensure marketing ROI remains within target margins.

Financial Planning & Forecasting

• Driver-Based Modeling: Develop and own the master financial model (Transaction Volume × Fee × FX Margin).
• Forecasting: Lead the budgeting and forecasting process, utilizing scenario analysis to prepare for FX shocks, regulatory shifts, or competitive pricing changes.

MIS & Performance Reporting

• Dashboard Ownership: Own the weekly/monthly performance dashboards, providing visibility into:
• Corridor-wise profitability.
• Cost-per-transaction metrics.
• Revenue stream health.
• Executive Reporting: Prepare high-level financial data and business narratives for the Board and Executive Management (BRM).

Compliance & Process Automation

• Control Governance: Drive the automation of reporting and reconciliation flows; implement "revenue leak" detection controls.
• Regulatory Support: Support the finance team in maintaining adherence to cross-border payment regulations and preparing data for regulatory audits/submissions.

Requirements

• Education: Bachelor’s degree in Finance, Economics, or Accounting.
• Professional Qualification: ACA, ACCA, or CFA (or currently pursuing) is highly preferred.
• Experience: 4–6 years in Financial Planning & Analysis (FP&A), Business Partnering, or Treasury Analytics within a FinTech or Cross-Border Payment firm.

Technical Skills:

• Advanced Financial Modeling: Expert in building complex, driver-based models in Excel.
• Data Visualization: Proficiency in tools like Tableau, Power BI, or Looker to visualize payment flows.
• Systems: Familiarity with SQL or experience working with large datasets from payment switches/API providers.
• Attributes: A "commercial mindset"—you don't just report numbers; you understand the business levers that make them move.

go to method of application »

• The Finance Business Partner (Kolomoni) is a critical analytical and operational role that acts as the financial heartbeat of our digital banking/loan operations. This position goes beyond traditional accounting; you will be the bridge between financial data and operational decision-making. You are responsible for ensuring the integrity of Kolomoni’s financial records, optimizing cost management, and providing the weekly/monthly intelligence that drives our strategic growth.

Key Responsibilities

Revenue & Loan Operations Accounting

• Interest & Fee Integrity: Ensure precise accounting of all interest and fee-based income generated from digital/app-based and manual loan products.
• Accruals & Reconciliations: Perform rigorous periodic accruals and reconciliations to ensure revenue is recognized in accordance with IFRS standards.
• Loan/Deposit Reporting: Maintain high-frequency reporting on loan portfolios and deposit balances, ensuring 100% alignment between core banking systems and the general ledger.

 Expense & Payroll Management

• Operational Accounting: Oversee the full spectrum of expense accounting, including loan disbursement charges, interest on deposits/borrowings, and day-to-day operating expenses (OPEX).
• Cut-off Integrity: Enforce strict accrual and cut-off procedures to ensure financial statements reflect the true economic activity of the period.
• Payroll Stewardship: Process payroll end-to-end, ensuring accurate statutory deductions, tax compliance, and seamless benefit administration.

Treasury, Intercompany & Asset Control

• Bank Reconciliations: Conduct timely bank reconciliations, proactively investigating and resolving discrepancies.
• Intercompany Governance: Manage and reconcile inter-company balances across the Group, ensuring timely settlements and robust audit-trail documentation.
• Fixed Assets: Serve as the custodian of the Fixed Asset Register (FAR), ensuring accurate monthly depreciation entries and physical verification.
• Group Cost Allocation: Diligently account for group-level shared costs, ensuring proper allocation and transparency.

Performance Reporting & Strategy

• Weekly MIS Intelligence: Lead the preparation of weekly Management Information System (MIS) reports covering:
• Loan and deposit performance.
• Intercompany status.
• Inter-bank payables/receivables.
• Real-time cash and bank liquidity positions.
• Management Accounts: Prepare monthly management accounts with deep-dive variance analysis (Actuals vs. Budget vs. Forecast).
• Strategic Insights: Provide actionable insights on financial performance and the key drivers (KPIs) behind our profitability.

Regulatory Compliance

• Reporting & Submissions: Own the preparation and timely submission of all mandatory regulatory returns to the CBN/relevant authorities.
• Compliance Assurance: Act as the internal authority on regulatory guidelines, ensuring that all financial operations remain fully compliant.

Requirements

• Education: Bachelor’s degree in Accounting, Finance, or a related discipline.
• Professional Qualification: ACA or ACCA (Chartered Accountant) is mandatory.
• Experience: 4–6 years of experience in financial accounting, preferably within the FinTech, Microfinance, or Banking sectors.

Technical Skills:

• Expert-level proficiency in Excel (Financial Modeling/Data Analysis).
• Hands-on experience with Core Banking Systems (CBS) and ERPs (e.g., SAP, Oracle, or Microsoft Dynamics).
• Deep understanding of IFRS and Nigerian tax/labor laws.
• Attributes: Sharp analytical mind, ability to translate complex data into business narratives, and high integrity in handling sensitive financial information.