Jobs at Unified Payment Services Limited

Job Objectives

• To support the Issuing Operations team in the preparation, processing, and monitoring of EMV data and card personalization activities, while ensuring accuracy, compliance with standards, and timely delivery in line with agreed service levels.

Responsibilities

• Assist in receiving card personalization jobs from banks via the helpdesk and acknowledge job receipt under supervision.
• Support the preparation and organization of EMV data files required for card personalization.
• Upload and drop personalization jobs for external personalization bureaus on secure FTP locations, following approved procedures.
• Assist in generating EMV data preparation reports and customer service unit reports for banks.
• Support daily job tracking and assist in compiling daily operational statistics for review by the supervisor.
• Help generate required files such as UAM, text, and ODBC files for personalization under guidance.
• Assist in recreating EMV personalization data (CIM and text files) when required.
• Provide first-level support in identifying and escalating issues on the UP Card Factory solution.
• Assist in routine checks and basic maintenance of PIN mailer printers and promptly report faults to the supervisor.
• Ensure proper documentation and record-keeping of assigned tasks and completed jobs.
• Adhere strictly to information security, data confidentiality, and industry standards.

KPI

• Timely support of EMV data preparation activities within agreed SLA.
• Accuracy and completeness of assigned EMV data and reports.
• Proper documentation and escalation of operational issues.
• Compliance with prescribed EMV and PIN mailer standards.

Requirements

• Education: OND in Computer science, computer Engineering or related courses.
• Others: Professional Qualifications – added advantage
• Experience: Minimum of 3 years experience

Key Competency Requirement

• Knowledge: Basic understanding of card operations or payment systems (added advantage).

Skill/Competencies:

• Basic computer proficiency (Microsoft Word, Excel, and Access – mandatory).
• Willingness to learn card personalization and EMV processes.
• Good communication and interpersonal skills.
• Attention to detail and ability to follow procedures accurately.
• Integrity and confidentiality in handling sensitive data.
• Ability to work extended hours when required.

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Job Objectives

• Technical implementation of new business solution projects to time, cost, scope and quality.
• Technical implementation and support for Payattitude.
• System integration requirements and solution analysis for new business initiatives.
• Analyze new user/solution requirements to develop solutions that align with requirements.

Duties & Responsibilities

• Full documentation and standardization of all processes.
• Developing functional and technical requirements for projects.
• Technical implementation of new business solutions to meet go-to-market timelines.
• Transaction Testing with various banks.
• Testing and validating the functionalities of products and services.
• Implementation of key products that enhance and increase acceptability of Payattitude products.
• Development of user and operations documentation of new solution projects & business analysis.

Key Performance Indicators

• Payattitude Implementation and Support - Prepaid, Debit and Payattitude Digital.
• Efficient and timely deployment of fixes / patches.
• External and internal Customer satisfaction (based on Customer ratings).
• Satisfactory Audit rating for new products and initiatives.
• Project Implementation within schedule, cost and scope.

Job Requirements

• Education: OND in Engineering, Information Technology or Applied Sciences.
• Experience: Understanding of the key technical concepts in I.T & Electronic Payments.
• Candidate should possess ability to relate with clients to achieve business goals.

Key Competency Requirements:
Knowledge:

• Technical Knowledge in Information Technology.
• Strong analytical skills.
• Basic SQL.
• Strong Issue Resolution Acumen.

Skill / Competencies:

• Strong interpersonal skills.
• Deductive reasoning abilities and eye for details.
• Project implementation skills.
• Project Management.

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Job Objective

• To provide strategic and operational leadership for the Payment Terminal Service Aggregator (PTSA) Operations Unit, ensuring the smooth running of POS terminal management, transaction processing, dispute resolution, settlements, and service delivery.
• The role ensures operational efficiency, compliance, and customer satisfaction in all payment terminal-related activities in line with CBN, NIBSS, and industry standards.

Duties and Responsibilities
Strategic and Operational Leadership:

• Oversee and coordinate all PTSA operations, including POS deployment, monitoring, maintenance, and support.
• Ensure the efficient processing and settlement of all POS and terminal-based transactions.
• Supervise daily transaction monitoring, ensuring minimal downtime and prompt issue resolution.
• Develop and implement operational strategies to improve transaction success rates and service uptime.

Transaction Settlement & Reconciliation:

• Manage the end-to-end settlement cycle for all PTSA-related transactions (merchant settlement, acquirer reconciliation, and interbank transfers).
• Oversee daily, weekly, and monthly reconciliations of POS transactions across all payment channels and partners.
• Resolve discrepancies and ensure timely settlement to merchants and stakeholders.
• Liaise with Finance and IT teams to ensure accuracy of postings and reports.

Dispute Resolution & Chargeback Management:

• Oversee handling of failed, disputed, or reversed POS transactions in line with regulatory timelines.
• Ensure effective communication with NIBSS, switches, banks, and merchants for dispute resolution.
• Monitor chargeback trends and implement preventive measures to reduce recurring issues.

Vendor, Partner, and Terminal Management:

• Manage relationships with terminal providers, acquirers, and service vendors.
• Approve POS terminal configurations, activations, and deactivations in compliance with policy.
• Monitor the health and performance of terminals (hardware/software) and drive maintenance efficiency.
• Ensure deployment and management align with CBN PTSA guidelines.

Compliance & Risk Management:

• Ensure strict adherence to CBN regulations, NIBSS operational standards, and internal control frameworks.
• Implement and monitor risk management controls across PTSA operations.
• Address audit observations promptly and maintain strong compliance ratings.
• Maintain data security and ensure all transaction records are properly archived.

People & Performance Management:

• Lead, motivate, and develop the PTSA Operations team to achieve operational excellence.
• Ensure clear performance goals, conduct regular reviews, and provide capacity-building opportunities.
• Foster a culture of accountability, innovation, and customer focus.

Reporting & Stakeholder Management:

• Prepare and present periodic reports on transaction volumes, terminal performance, settlement status, and incident logs.
• Interface with IT, e-Channels, Compliance, Risk, and Finance to ensure smooth service delivery.
• Represent PTSA Operations in management meetings and regulatory interactions asrequired.

Key Performance Indicators

• POS transaction success rate and uptime.
• Accuracy and timeliness of settlements.
• Reduction in failed or disputed transactions.
• Compliance and audit ratings.
• Merchant satisfaction and turnaround time for issue resolution.
• Operational efficiency and staff performance metrics.

Requirements
Educational Qualification:

• First Degree in Accounting, Finance, Computer Science, Business Administration, or related discipline

Experience:

• 8–10 years’ experience in payment systems, POS operations, or electronic banking, with at least 3 years in a managerial role.

Others:

• Strong understanding of CBN PTSA Guidelines, NIBSS processes, and payment industry regulations.
• Hands-on experience with POS terminal management systems, switching platforms, and settlement systems.
• Proven ability to manage large transaction volumes, reconciliation, and dispute processes.

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Job Objective

• To lead and oversee the domestic switching and terminal operations of the company, ensuring seamless processing, routing, settlement, and reconciliation of all card, POS, and e-payment transactions across the fintech’s platforms.
• The role ensures system reliability, operational efficiency, regulatory compliance, and exceptional service delivery within the local switching and payment terminal ecosystem.
• The position plays a key role in maintaining high transaction success rates, minimal downtime, and full compliance with CBN, NIBSS, and card scheme standards, while driving innovation and process optimization across the value chain.

Duties and Responsibilities
(TBH) Operations:
Switching Operations Management:

• Oversee end-to-end domestic transaction switching, routing, and authorization across multiple channels (POS, Web, Mobile, ATM, QR).
• Ensure real-time monitoring, uptime management, and performance optimization of the switching platform.
• Coordinate with technology, infrastructure, and network partners to maintain robust transaction throughput and reduce latency.
• Manage integration and certification processes with banks, aggregators, and payment partners.
• Drive continuous improvement initiatives to enhance transaction reliability and customer experience.

Terminal (POS) Operations Oversight:

• Supervise all aspects of POS and terminal lifecycle management — deployment, activation, monitoring, firmware updates, and maintenance.
• Implement terminal performance metrics to track uptime, transaction success rates, and field efficiency.
• Ensure effective coordination between terminal vendors, acquirers, and PTSA partners for smooth operations.
• Drive merchant satisfaction through reliable terminal performance and quick resolution of technical or transactional issues.

Settlement, Reconciliation & Dispute Resolution:

• Oversee daily settlement and reconciliation of all POS and card transactions with partner banks and processors.
• Ensure accurate postings, error-free reconciliations, and prompt resolution of settlement discrepancies.
• Supervise chargeback and dispute management in line with card scheme and regulatory timelines.
• Work closely with Finance, Risk, and IT to ensure transparency and control over transaction settlements.

Risk, Compliance & Regulatory Adherence:

• Ensure strict compliance with CBN PTSP/PTSA regulations, NIBSS standards, and othern applicable industry requirements.
• Maintain robust operational controls to mitigate fraud, data breaches, and transaction risks.
• Address audit queries, coordinate compliance reviews, and ensure implementation of corrective actions.
• Maintain accurate and up-to-date documentation for CBN and NIBSS audits.

Technology & Process Innovation:

• Collaborate with the Engineering/IT team to enhance the switching architecture, APIs, and transaction monitoring tools.
• Champion process automation, system monitoring dashboards, and data-driven decisionmaking tools.
• Participate in UAT, system releases, and new product deployments to ensure operational readiness.
• Drive innovation that supports scalability, redundancy, and service resilience in switching infrastructure.

Leadership & Team Management:

• Lead and mentor the Switching and Terminal Operations team, ensuring clarity of roles.

Key Performance Indicators

• Transaction uptime and switching success rate.
• Accuracy and timeliness of settlements and reconciliations.
• Downtime frequency and recovery turnaround time (TTR).
• Reduction in failed transactions, chargebacks, and exceptions.
• Compliance audit scores and incident reduction.
• Merchant and partner satisfaction ratings

Requirements
Education:

• First Degree in Computer Science, Information Systems, Finance, or related field (Master’s or MBA preferred).

Others:

• Proven knowledge of payment system infrastructure, ISO 8583 standards, card scheme operations, and NIBSS interfaces.
• Experience managing POS networks, switching engines, and API integrations.
• Strong understanding of CBN and NIBSS regulations, settlement cycles, and transaction routing processes.

Experience:

• Minimum of 10 years’ experience in payment operations, switching, or electronic banking, with at least 3 years in a leadership role within a fintech or PSP environment.

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Job Objectives

• The Head of IT Security will be responsible for leading the organization’s efforts to protect its information technology infrastructure, applications, and data.
• This role is crucial for the development, implementation, and maintenance of a comprehensive IT security strategy that ensures the integrity, confidentiality, and availability of the company’s IT systems.
• The Head of IT Security will also work to minimize risk and ensure compliance with industry standards, regulations, and best practices.

Duties & Responsibilities
Strategic Leadership:

• Develop and implement a robust IT security strategy aligned with the organization’s business goals and objectives.
• Ensure the security of IT systems by monitoring evolving risks and establishing proactive defenses.
• Lead, manage, and mentor the IT security team to build a high-performing department.

Risk Management:

• Identify, assess, and manage IT security risks and threats to the organization’s systems and data.
• Conduct regular security assessments, audits, and penetration testing to identify vulnerabilities.
• Recommend, implement, and monitor risk mitigation strategies and plans.

Security Governance and Compliance:

• Develop and enforce IT security policies, procedures, and standards.
• Ensure compliance with relevant security regulations and frameworks (e.g., GDPR, HIPAA, ISO 27001, NIST).
• Oversee and manage security audits, assessments, and certifications as required.

Incident Response & Recovery:

• Develop and manage a robust incident response plan to address and recover from IT security breaches or threats.
• Coordinate response efforts in the event of a security breach, including forensic investigation and root cause analysis.
• Ensure business continuity planning and disaster recovery procedures are in place and regularly tested.

Security Infrastructure Management:

• Oversee the implementation and management of security tools and technologies (e.g., firewalls, intrusion detection systems, endpoint protection, encryption tools).
• Manage vulnerability management processes, including patch management and system hardening.
• Collaborate with other IT teams to ensure secure system architecture, network infrastructure, and application development processes.

Training & Awareness:

• Lead initiatives to promote security awareness across the organization by providing training to staff on best practices for IT security.
• Regularly conduct workshops, seminars, and awareness campaigns to keep employees updated on emerging threats.

Reporting & Analysis:

• Provide regular security status reports and updates to senior management and relevant stakeholders.
• Present analysis on security incidents, metrics, and trends to inform decision-making.

Vendor Management:

• Manage relationships with external vendors, service providers, and consultants related to IT security solutions.
• Ensure third-party vendors comply with security standards and practices.

Key Performance Indicators

• Incident Response Time
• Security Incident Frequency
• Compliance Audit Results
• Vulnerability Remediation Time
• Employee Security Training Completion Rate
• Patch Management Compliance
• Security Policy Adherence
• Security Technology Effectiveness
• Third-Party Risk Management
• Security Awareness Engagement
• Business Continuity and Disaster Recovery Test Results
• Security Budget Utilization.

Job Requirements

• Education: Bachelor’s Degree in Computer Science, Information Security, or a related field
• Others: Familiarity with both on-premise and cloud-based IT infrastructure security.
• Experience: Minimum 10 year experience managing a security team and leading strategic security initiatives an added advantage.

Key Competency Requirements:
Knowledge:

• Technical Knowledge & Expertise.
• Legal & Regulatory Knowledge.
• Cybersecurity Frameworks & Standards.
• Risk Management.
• Security Architecture.
• Data Privacy & Compliance.
• Contract & Vendor Management.

Skill / Competencies:

• Strategic & Leadership Skills.
• Communication & Interpersonal Skills.
• Analytical & Problem-Solving Abilities.
• Adaptability & Innovation.

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Job Objectives

• The Analyst Database Administrator is responsible for the administration, maintenance, performance, security, and availability of the organization's database infrastructure.
• The role ensures that databases supporting critical business applications operate efficiently, securely, and with minimal downtime.
• The incumbent will provide technical leadership, implement database best practices, support disaster recovery initiatives, and mentor junior database administrators.

Duties & Key Responsibilities
Database Administration:

• Install, configure, upgrade, and maintain database management systems.
• Administer and support production, test, staging, and development database environments.
• Monitor database health, capacity, and performance.
• Ensure database availability and reliability across all environments.
• Implement database standards, policies, and procedures.

Performance Monitoring And Optimization:

• Monitor database performance and proactively identify bottlenecks.
• Optimize queries, indexes, stored procedures, and database structures.
• Perform database tuning to improve application performance.
• Analyze system resource utilization and recommend improvements.
• Generate database health and performance reports.
• Track database growth and capacity trends.
• Provide recommendations for infrastructure improvements.
• Maintain comprehensive operational and technical documentation.

Backup, Recovery, and Business Continuity:

• Design and manage robust database backup strategies.
• Perform regular backup validation and restoration testing.
• Develop and maintain disaster recovery (DR) procedures.
• Participate actively in business continuity and disaster recovery exercises.

Security And Compliance:

• Implement database security controls and access management protocols.
• Manage database users, roles, and privileges.
• Conduct regular security reviews and vulnerability assessments.
• Ensure compliance with organizational policies, regulatory requirements, and audit standards.

High Availability and Replication:

• Configure and maintain database replication technologies.
• Implement high - availability (HA) solutions and failover mechanisms.
• Support database clustering and load balancing where applicable.
• Monitor and maintain end - to - end database resiliency.

Incident and Problem Management:

• Investigate and resolve database - related incidents.
• Perform root cause analysis (RCA) for recurring issues.
• Provide second and third - level technical support.
• Participate in major incident resolution activities.

Knowledge Transfer:

• Provide guidance and mentorship to junior team members.
• Participate in technical reviews and project planning sessions.
• Contribute to database architecture discussions.
• Support knowledge - sharing initiatives within the IT team.

Key Performance Indicators

• Uptime: Maintain greater than or equal to 99.9% database uptime and availability across all production environments.
• Backups & Recovery: Achieve 100% successful completion of scheduled database backups and ensure recovery meets agreed RTO / RPO targets.
• Query Performance: Maintain an average query response time of less than 2 seconds for critical business applications.
• Incident Resolution: Resolve at least 90% of database incidents within agreed SLAs.
• Security & Compliance: Ensure 100% compliance with database security standards, role - based access controls (RBAC), and audit requirements.
• Patch Management: Apply 100% of critical database patches and security updates within the approved policy timeframe.
• Capacity Thresholds: Maintain CPU, memory, and storage utilization below 80% thresholds through proactive monitoring and capacity planning.
• Asset Management: Maintain an accurate, up - to - date inventory of all database instances, configurations, licenses, and related assets.
• DR Testing: Successfully execute and validate scheduled disaster recovery and database restoration tests in accordance with organizational policies.
• Project Delivery: Deliver database - related projects, enhancements, and change requests within approved scopes, timelines, and quality standards.
• Documentation: Ensure 100% accuracy and currency of database documentation, including architecture diagrams, procedures, and operational runbooks.
• Reporting: Provide monthly database health, performance, capacity, and security reports to management and relevant stakeholders within agreed timelines.

Job Requirements
Education:

• Bachelor's Degree in Computer Science, Information Technology, Information Systems, Engineering, or a related field.

Professional Certifications (Preferred):

• Microsoft SQL Server Certifications.
• Oracle Certified Professional (OCP).
• PostgreSQL Certification.
• MySQL Database Administrator Certification.

Key Competency Requirements:
Experience:

• 3 – 6 years of hands - on database administration experience.
• Proven experience managing mission - critical, enterprise database environments.
• Demonstrated experience with database backup, recovery, replication, and high - availability solutions across MSSQL, Oracle, PostgreSQL, and MySQL.
• Experience supporting enterprise applications and large - scale databases.
• Prior experience in financial services, banking, or heavily regulated industries is a distinct advantage.

Technical Skills:
Database Platforms:

• Microsoft SQL Server.
• Oracle Database.
• PostgreSQL.
• MySQL.

Operating Systems:

• Linux (Red Hat, Ubuntu, CentOS).
• Windows Server.

Monitoring & Management Tools:

• SQL Server Management Studio (SSMS).
• Oracle Enterprise Manager.
• SolarWinds.
• Redgate Tools.
• Native Database Monitoring Solutions.

Behavioural Competencies:

• Results - oriented.
• Demonstrates high integrity.
• Proactive and self - motivated.
• Decisive problem solver.
• Highly analytical.
• Creative and innovative.

Core Attributes:

• Strong analytical and troubleshooting skills.
• Excellent problem - solving abilities.
• Meticulous attention to detail and accuracy.
• Effective communication and stakeholder management skills.