Jobs at PalmPay

PalmPay is seeking a detail-oriented and proactive Fund Management Specialist to oversee daily treasury operations and ensure optimal liquidity across all payment channels. The ideal candidate will play a critical role in cash flow management, reconciliation, and financial risk control, ensuring seamless transaction processing and efficient fund utilisation across the business.

Key Responsibilities

• Monitor and manage the company’s cash position to ensure adequate funding across all products and payment channels for uninterrupted operations.
  Perform and supervise daily bank and wallet reconciliations, ensuring timely identification and resolution of discrepancies and outstanding items.
• Track and analyse cash flow forecasts, comparing expected settlement inflows and channel outflows against actual performance to improve forecast accuracy.
• Optimise liquidity management by ensuring proper fund allocation across channels while minimising idle cash and avoiding funding shortages.
• Evaluate cost of funds and implement strategies to reduce funding costs while maintaining operational efficiency.
• Monitor settlement cycles across products and payment channels, prioritising those with shorter cash conversion cycles to improve cash efficiency.
• Identify, assess, and mitigate financial risks including liquidity risk, settlement risk, and interest rate exposure.
• Collaborate with banking partners and payment service providers to resolve transaction issues and improve processing efficiency.
• Ensure compliance with regulatory requirements, internal controls, audit standards, and company policies.
• Maintain accurate records of financial instruments, including fixed deposits, call deposits, and other treasury placements.

Requirements

• Bachelor’s degree in Finance, Accounting, Economics, or a related field.
• 2 to 3 years of experience in Treasury, Fund Management, Financial Operations, or related roles, preferably within fintech or financial services.
• Strong knowledge of cash flow management, liquidity planning, and reconciliation processes.
• Experience working with payment systems, banking platforms, and financial tools.
• Proficiency in Microsoft Excel and financial analysis tools.
• Strong analytical skills with close attention to detail.
• Excellent communication and stakeholder management skills.
• Ability to work in a fast-paced, high-growth environment.

Preferred Skills

• Experience in fintech, digital payments, or mobile money operations.
• Knowledge of Nigerian financial regulations and payment ecosystem.
• Familiarity with treasury management systems and automation tools.

Key Competencies

• Treasury Operations
• Cash Flow Management
• Liquidity Management
• Financial Reconciliation
• Risk Management
• Financial Analysis
• Stakeholder Management
• Compliance & Internal Controls

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Key Responsibilities:

• Identify and acquire new loan customers through field marketing and referrals
• Promote and sell the bank’s loan products to individuals and businesses
• Conduct credit assessments and ensure proper documentation of loan applications
• Follow up on loan disbursements and repayments
• Maintain accurate records of client interactions and transactions
• Ensure compliance with the bank’s credit policies and procedures
• Meet and exceed assigned sales targets
• Build and maintain strong relationships with clients to encourage repeat business

Requirements:

• Minimum of OND/HND/B.Sc in any relevant discipline
• Proven experience in sales, preferably in banking or microfinance
• Strong communication and negotiation skills
• Target-driven with a passion for sales
• Ability to work independently and as part of a team
• Good knowledge of the local market and business environment

Key Competencies:

• Sales and marketing skills
• Customer relationship management
• Credit analysis (basic level)
• Result-oriented mindset

Salary: 70,000 - 100,000