Fresh Jobs at iRecharge Tech-Innovations

• The Head of Compliance responsible for overseeing and managing the digital bank’s compliance framework to ensure adherence to all regulatory requirements, internal policies, and industry standards. This role involves developing and implementing the compliance framework, monitoring regulatory changes, overseeing KYC, AML/CFT controls, and providing strategic guidance to the Board and Management to mitigate regulatory risk and uphold the bank’s license to operate.

Key responsibilities

• Develop, implement, and oversee a comprehensive compliance framework aligned with regulatory requirements and industry best practices.
• Ensure full compliance with applicable regulations, including CBN guidelines, AML/CFT requirements, and data protection laws.
• Lead regulatory engagement, acting as the primary liaison with regulators and coordinating examinations, audits, and inquiries.
• Oversee KYC and CDD processes, transaction monitoring, and suspicious activity reporting to ensure effective financial crime compliance.
• Conduct enterprise-wide compliance risk assessments and monitor regulatory developments to proactively manage emerging risks.
• Review and validate statutory and regulatory returns, ensuring accuracy, completeness, and timely submission.
• Provide strategic compliance advisory to management and the Board, including reporting on compliance performance, breaches, and remediation efforts.

`Requirements

• Bachelor’s degree in Law or a related discipline, with a Master’s degree or relevant legal qualification as an added advantage.
• Minimum of 5–7 years’ experience in compliance, regulatory, or risk management within banking, fintech, or financial services, including at least 4 years in a leadership role.
• Strong knowledge of CBN regulatory frameworks and fintech or microfinance banking compliance requirements.
• In-depth understanding of key regulatory and statutory frameworks, including BOFIA, CAMA, NDPA, NFIU, NDIC, and anti-money laundering laws.
• Proven experience in SCUML reporting and financial reporting in line with Financial Reporting Council requirements.
• Demonstrated ability to interpret complex regulations and translate them into practical, business aligned processes.
• Strong leadership, communication, and stakeholder management skills, with proficiency in compliance systems and data analysis tools.

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Responsibilities:

• Develop and oversee the bank’s risk appetite framework, defining risk limits and key indicators in alignment with strategic objectives and regulatory expectations.
• Lead the end-to-end credit risk and collateral management framework, ensuring strong portfolio quality and compliance with regulatory guidelines.
• Design and implement robust fraud risk management systems to detect, investigate, and mitigate fraud across all digital channels.
• Oversee IT and cybersecurity risk frameworks, ensuring data protection, system resilience, and compliance with regulatory standards.
• Identify, assess, and mitigate operational and regulatory risks while maintaining effective risk registers and control frameworks.
• Monitor liquidity and market risk exposures, ensuring compliance with regulatory requirements and effective asset liability management.
• Deliver comprehensive risk reporting to senior management and the Board while embedding a strong risk culture across the organisation.
• Lead and develop the risk team, ensuring continuous capability building and alignment with evolving industry and regulatory standards.

Requirements:

• Bachelor’s degree in Finance, Accounting, Economics, Engineering, or a related field, with an MBA or Master’s in Risk Management strongly preferred.
• Minimum of 5–7 years’ experience in risk management or credit analysis within banking or fintech, including at least 4 years in a senior leadership role.
• Demonstrated expertise across credit risk, collateral management, fraud risk, IT and cybersecurity risk, and risk appetite development.
• Deep understanding of CBN security policies, prudential guidelines, and regulatory expectations for digital banks.
• Proven experience in designing and implementing enterprise risk management frameworks, including risk registers and enterprise-wide risk assessments.
• Strong track record in managing regulatory relationships (CBN, NDIC) and leading risk transformation initiatives.
• Proficiency in risk management systems, fraud detection tools, data analytics platforms, and business continuity and resilience frameworks, with high ethical standards and strong professional integrity.

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Job summary

• The Head of Credit is responsible for leading the credit function of the digital bank, ensuring sound credit origination, robust loan profiling, and effective portfolio management. This role oversees the entire credit lifecycle from underwriting and approval to monitoring, collections, and reporting, while maintaining alignment with CBN and NDIC.

Responsibilities:

• Develop and implement the bank’s credit strategy, including risk-based pricing, loan profiling models, and underwriting policies aligned with the risk appetite framework.
• Oversee the end-to-end credit origination and underwriting process, ensuring efficient, compliant, and data-driven credit decisions.
• Manage and monitor the credit portfolio, utilizing performance metrics and analytics to maintain asset quality and drive proactive risk mitigation.
• Lead collections and recovery strategies to optimize recoveries while ensuring compliance and maintaining positive customer experience.
• Ensure accurate credit reporting, loan classification, and provisioning in line with regulatory requirements and internal governance standards.
• Collaborate with cross-functional teams to enhance credit decision systems, support product innovation, and leverage data-driven insights.
• Ensure full compliance with regulatory guidelines and support audit processes through effective documentation and remediation of findings.
• Lead and develop a high-performing credit team, fostering a culture of accountability, continuous improvement, and responsible lending practices.

Requirements:

• Bachelor’s degree in Finance, Accounting, Economics, Business Administration, or a related field. A Master’s degree (MBA or MSc in Finance) is strongly preferred.
• Relevant certifications such as CIBN, CFA, FRM, or ACA are highly desirable.
• Minimum of 5–7 years of experience in credit management, loan origination, or portfolio management within the banking or financial services industry, with at least 4 years in a senior leadership role.
• Proven experience in developing credit scoring models, managing digital loan portfolios, and handling collections/recoveries.
• Demonstrated success in maintaining asset quality within regulatory thresholds while achieving growth targets.
• Deep understanding of credit risk frameworks, loan profiling techniques, and portfolio management principles.
• Strong analytical and quantitative skills, with experience using data analytics tools (for credit analysis.
• Knowledge of CBN microfinance/digital banking regulations, IFRS 9 provisioning, and prudential guidelines.
• Ability to balance risk and reward, making sound credit decisions in a fast‑paced digital environment.

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• The Head of Business Development and Partnerships will lead the strategic growth agenda for the digital bank, driving revenue expansion, market penetration, and strategic alliances. This role is responsible for identifying and securing high-value partnerships, scaling the bank’s customer base, and shaping the commercial strategy in alignment with the bank’s vision. The ideal candidate will possess deep fintech/microfinance banking experience, a proven track record in forging impactful partnerships, and exceptional leadership capabilities.

Key Responsibilities

• Develop and execute a comprehensive business development and partnership strategy aligned with the bank’s growth, revenue, and market expansion objectives.
• Lead the origination, negotiation, and management of strategic partnerships to expand distribution channels, product offerings, and customer reach.
• Drive sustainable revenue growth through client acquisition, strategic partnerships, and effective sales pipeline management.
• Leverage market insights and industry trends to identify opportunities and collaborate on innovative, market driven solutions.
• Build and lead a high performing team, fostering a culture of accountability, collaboration, and continuous improvement.
• Partner with internal teams to ensure seamless execution of business initiatives in alignment with regulatory and operational requirements.
• Oversee performance tracking, pipeline management, and reporting, ensuring compliance with regulatory standards and alignment with strategic goals.

Requirements

• Bachelor’s degree in Business, Finance, Marketing, or a related field, with an MBA or equivalent as an added advantage.
• Minimum of 5–7 years’ progressive experience in business development, partnerships, or sales within banking, fintech, or financial services, including at least 4 years in a senior leadership role.
• Strong network across the fintech, telco, and regulatory ecosystem, with a proven ability to build and sustain strategic relationships.
• Deep understanding of the digital banking landscape, microfinance banking regulations, and the broader fintech ecosystem.
• Demonstrated expertise in negotiation, deal structuring, and closing high value partnerships.
• Strong strategic thinking with the ability to translate opportunities into executable growth initiatives in a fast-paced environment.
• Excellent communication, stakeholder management, and leadership skills, with a high level of professionalism, integrity, and ownership mindset.

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About the Role

• The Business Development Executive will play a pivotal role in the growth and expansion of the digital bank’s products and services. This individual will identify and develop new business opportunities, foster relationships with potential clients and partners, and work closely with various departments to drive the bank’s strategic initiatives. The ideal candidate will have a strong understanding of the fintech/digital banking landscape, excellent communication skills, and a proven track record in business development or sales.

Key responsibilities

• Conduct market research and competitive analysis to identify new business opportunities and inform growth strategies.
• Drive client acquisition and build strong relationships by understanding customer needs and delivering tailored digital banking solutions.
• Manage the full sales cycle and execute targeted initiatives to achieve revenue and business growth objectives.
• Support the identification, onboarding, and management of strategic partnerships to expand market reach.
• Develop compelling proposals and maintain accurate reporting of sales activities, pipeline, and performance metrics.
• Collaborate with internal teams to align client needs with product offerings and ensure seamless service delivery.
• Ensure all activities comply with regulatory requirements while identifying and escalating potential risks.
• Stay informed on industry trends and contribute to a high performing, collaborative team environment.

Requirements

• Bachelor’s degree in Business, Finance, Marketing, or a related field.
• Minimum of 2–4 years of experience in business development, sales, relationship management, or a related role within the banking, fintech, or financial services industry.
• Proven track record of meeting or exceeding sales targets and business development goals.
• Strong understanding of digital banking products, payment solutions, and the fintech ecosystem.
• Ability to think strategically and execute tactically in a fast‑paced environment.
• Proficiency in Microsoft Office Suite and CRM software.
• Excellent communication, negotiation, and interpersonal skills.

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About the Role

• The Finance & Accounts Executive is responsible for managing financial records, ensuring regulatory compliance, and supporting financial operations within a digital banking environment. The role involves financial reporting, reconciliations, treasury support, and monitoring transaction flows across digital channels to ensure accuracy, efficiency, and compliance with regulatory standards.

Key responsibilities

• Maintain accurate financial records, oversee transaction postings, and ensure timely reconciliation of all payment channels while resolving discrepancies.
• Support the preparation and submission of financial reports and regulatory returns in compliance with IFRS, CBN, and other statutory requirements.
• Ensure timely computation, filing, and compliance with all tax obligations while maintaining proper documentation and liaising with relevant authorities.
• Monitor cash flow and liquidity positions, manage settlements, and support effective treasury and working capital management.
• Oversee payables, receivables, and reconciliations to ensure accuracy, proper authorization, and efficient financial operations.
• Support the implementation and continuous improvement of internal controls, financial policies, and process efficiencies.
• Partner with internal teams to align financial processes with business operations and provide insights to support decision making.

Requirements

• Bachelor’s degree in Accounting, Finance, Economics, Business Administration, or a related field. A professional certification such as ACA, CFA, CIBN, ACCA and any other relevant professional qualification is preferred.
• Minimum of 2–4 years of experience in finance/accounting within fintech, MFB, or banking.
• Strong knowledge of digital financial systems, reconciliations, and transaction flows.
• Familiarity with CBN regulations and financial reporting requirements.
• Proficiency in accounting software and advanced Microsoft Excel.
• Strong analytical ability, attention to detail, ability to work under tight deadlines, and excellent communication skills for cross‑functional collaboration.