Jobs at iRecharge Tech-Innovations

Key Responsibilities

• Develop and implement comprehensive audit plans and programs.  
• Conduct financial, operational, and compliance audits in accordance with the audit plan.  
• Assess the effectiveness of internal controls and risk management processes.  
• Prepare detailed audit reports highlighting findings, risks, and recommendations.
• Document audit procedures and maintain audit working papers in compliance with professional standards.
• Identify and evaluate significant risk exposures related to governance, operations, and information systems.  
• Recommend improvements to the bank's risk management framework.  
• Ensure adherence to regulatory requirements and internal policies.  
• Conduct compliance reviews related to statutory and regulatory returns (eg, AML/CFT/CPF regulations, etc.).  
• Perform daily prepayment checks and vouchering of all payments and other capital or overhead requests.  
• Document and report identified control issues discovered during the vetting process and how they were resolved.  

Key Performance Indicators (KPIs)

• Number of audits completed per year.  
• Percentage of audit recommendations implemented.  
• Improvement in internal control effectiveness. 

Requirements / Qualifications
Education:

• Bachelor's Degree in Accounting, Finance, Business Administration, or a related field.  
• CIA, CISA, ACA, CIBN, ACCA, or any other relevant professional qualification.  

Experience:

• Minimum of 3-5 years of experience in internal auditing within the banking or financial services industry.  

Skills:

• In-depth knowledge of internal control frameworks and auditing standards in relation to the bank.  
• Excellent analytical, problem-solving, and communication skills.  
• Proficiency in audit software and Microsoft Office Suite.  
• Ability to express ideas clearly in both written and oral communications.  
• Strong interpersonal skills, numerical and analytical abilities.  
• High attention to detail, self-motivated, and good organizational skills. 

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Key Responsibilities

• Develop and implement risk management policies and procedures.
• Conduct stress testing and scenario analysis to evaluate the impact of potential risks.
• Review credit limit requests, assessing the appropriateness of the product type, overall credit extension, borrower’s repayment ability, and loan package conformity to organizational standards.
• Monitor various lending team portfolios for credit risk issues, including exception reporting, past dues, loan agreement compliance, trend analysis, and emerging risks.
• Ensure efficient credit risk management to promote an excellent customer experience, both internally and externally.
• Analyze the delinquent portfolio to identify causal factors, make recommendations, and track progress to ensure timely closure.
• Manage loan recovery efforts, such as negotiating work-out plans for delinquent customers and coordinating with collection agencies or legal action when necessary.
• Monitor violations of credit policies and provide analysis, conclusions, and recommendations to senior management.
• Prepare comprehensive and reliable credit risk reports for senior management and the board on a regular basis.
• Ensure compliance with internal and external risk management policies, and provide staff training on risk management practices.
• Collaborate with other departments to ensure a comprehensive approach to risk management.
• Assist in the development of new credit products and services.
• Perform other duties as assigned.

Key Performance Indicators (KPIs)

• Credit Application Turnaround Time: Average time taken to analyze and approve credit applications.
• Accuracy of Risk Assessments: Percentage of accurate risk assessments based on financial statements and credit reports.
• Implementation of Risk Policies: Success rate in developing and implementing risk management policies and procedures.
• Risk Mitigation Plan Implementation: Response time and effectiveness in reducing identified risks.
• Effectiveness of Stress Testing: Accuracy and comprehensiveness of stress testing and scenario analysis.
• Credit Limit Review Efficiency: Timeliness and thoroughness of credit limit reviews.
• Portfolio Monitoring: Frequency and accuracy of monitoring lending team portfolios for credit risk issues.
• Customer Satisfaction: Rating of credit risk management processes.
• Delinquency Management: Reduction in delinquent portfolios and success rate of loan recovery strategies.
• Compliance Monitoring: Number of credit policy violations identified and resolved.
• Credit Risk Reporting: Timeliness and accuracy of credit risk reports prepared for senior management and the board.
• Regulatory Compliance: Adherence to internal risk management policies and external regulatory requirements.
• Staff Training Effectiveness: Frequency and effectiveness of staff training on risk management practices.
• New Product Development Support: Contribution to the development of new credit products and services.
• Cross-Department Collaboration: Level of effective collaboration with other departments.

Requirements / Qualifications

• Education: Bachelor’s degree in Finance, Economics, Business Administration, or a related field. A professional certification (e.g., CIBN) is preferred.
• Certification in Risk Management (e.g., FRM, PRM) is preferred.
• Experience: Minimum of 3-5 years of experience in risk management or credit analysis within the banking and technology industries.
• Strong analytical skills with proficiency in risk assessment tools and methodologies.
• In-depth knowledge of risk management frameworks and credit risk analysis, especially within banking and technology.
• Experience in stress testing and scenario analysis.
• Attention to detail and ability to make sound judgments.
• Proficiency in Microsoft Office Suite and risk management software.
• Thorough understanding of current risk management methodologies.
• Strong ability to balance risk management with strategic organizational goals.
• Skill in transforming risk management into a strategic tool for enhancing stakeholder value.

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Key Responsibilities

• Monitor and interpret laws, regulations, and guidelines relevant to the banking industry.
• Ensure the organization complies with all applicable internal and external legal requirements.
• Advise management and stakeholders on legal implications and risks.
• Manage regulatory relationships and ensure compliance with licensing requirements.
• Develop and implement compliance policies and procedures.
• Conduct regular audits and assessments to identify compliance gaps and mitigate risks.
• Draft, review, and negotiate legal agreements, including contracts with vendors and clients.
• Ensure legal documents comply with regulatory requirements and protect the organization's interests.
• Oversee KYC (Know Your Customer) processes to verify client identities and ensure compliance with AML (Anti-Money Laundering) regulations.
• Implement and maintain effective AML policies and procedures, and conduct training sessions on compliance-related topics to promote awareness and understanding.
• Stay updated on developments in laws, regulations, and industry best practices.

Requirements / Qualifications

• Bachelor’s Degree in Law or equivalent qualification required.
• Minimum of 5 years of experience in legal and compliance roles within the technology or financial services industry.
• Strong knowledge of banking regulations, licensing requirements, and compliance frameworks.
• Experience in drafting and negotiating legal agreements and contracts.
• Familiarity with KYC and AML regulations and practices.
• Excellent analytical and problem-solving skills.
• Effective communication and interpersonal skills.
• Certification in Compliance (e.g., CCEP, CCO) is preferred.

Key Performance Indicators (KPIs):

• Compliance Audit Findings and Resolutions
• Timeliness and Accuracy of Regulatory Submissions and Reporting
• Effectiveness of Compliance Training Programs
• Number of Legal Agreements Successfully Negotiated and Executed
• Feedback from Regulatory Bodies on Compliance Practices

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Responsibilities
Financial Planning and Analysis:

• Develop and implement financial planning models to support short-term and long-term strategic goals.
• Prepare budgets, forecasts, and financial reports, and provide insightful analysis to support decision-making.
• Monitor financial performance against budgets and provide recommendations for improvements.

Investment and Financing:

• Assist the investor relations team with key financial deliverables and ad-hoc requests.
• Work closely with the leadership team on strategy, roadmap, and targets for the business, and advice on hiring decisions and market opportunities.
• Monitor the monthly financial operations within the company (liquidity, payroll, invoicing, and other transactions)

Financial Reporting:

• Ensure accurate and timely financial reporting, including monthly, quarterly, and annual financial statements.

Requirements

• Bachelor’s degree in Finance, Economics, Business Administration, or a related field.
• A professional certification such as CIA, CISA, ACA, CIBN, ACCA, and any other relevant professional qualification is preferred.
• Transactionnancinginutilityspace
• Experience in developing and managing investment portfolios with experience in utility and energy minimum of 3-5 years of experience in investment management or financial analysis within the banking industry.
• Strong knowledge of financial markets, investment products, and portfolio management.
• Excellent analytical, decision-making, and communication skills.
• Proficiency in financial analysis software and Microsoft Office Suite.

key performance indicators(KPIs)
Financial Planning and Analysis:

• Budget Accuracy.
• Forecast Accuracy.
• Timeliness of Financial Reports.
• Quality of Analytical Insights.

Investment and Financing:

• Timeliness of Investor Relations Support.
• Prepare financial reports for internal and external stakeholders, including management, investors, and regulatory bodies.
• Maintain compliance with all accounting standards and regulatory requirements.

Tax Planning and Compliance:

• Develop and execute tax planning strategies to optimize the organization's tax position.
• Oversee tax compliance, including the preparation and submission of tax returns and remittances.
• Stay updated on tax regulations and ensure the organization'scompliancewithtaxlaws.

Cash Flow Management:

• Manage cash ow, working capital, and treasury functions to ensure the organization's financial stability.
• Develop strategies to optimize cash utilization and mitigate financial risks.

Risk Management:

• Identify and assess financial risks, including tax-related risks, and develop risk management strategies.
• Implement effective internal controls and ensure compliance with financial regulations.

Financial Strategy:

• Collaborate with the CFO or Director of Finance to develop and execute financial strategies aligned with the organization's goals.
• Provide financial insights to support strategic decision-making.
• Contribution to Strategic Initiatives.
• Liquidity Management.
• Operational Efficiency.

Financial reporting:

• Financial Statement Accuracy.
• Timeliness of Reports.
• Compliance with Accounting Standards.

Tax Planning and Compliance:

• Implementation of Tax Strategies.
• Timeliness and Accuracy of Tax Compliance.
• Regulatory Updates and Compliance.

Flow Management:

• Cash Flow Forecast Accuracy.
• Working Capital Management.
• Treasury Eciency.

Risk Management:

• Risk Identification and Mitigation.
• Effectiveness of Internal Controls.
• Regulatory Compliance.

Financial Strategy:

• Development and Implementation of Financial Strategies.
• Quality of Strategic Financial Insights.

Financial Operations:

• Accuracy in Financial Transactions.
• Timeliness of Data Recording.
• Cross-Departmental Alignment.
• Support for New Product Development.
• Task Completion Rate.

Financial Operations:

• Oversee day-to-day financial operations, including accounts payable, accounts receivable, payroll, and financial transactions.
• Ensure accurate and timely recording of financial data.
• Work closely with other departments to align financial and investment goals.
• Participate in the development of new financial products and services.
• Perform other duties as assigned.