Account Officer at a Fintech / Microfinance Bank - Elizabeth Maddeux Limited

Elizabeth Maddeux Limited - Our client, a Fintech / Microfinance Bank, is recruiting to fill the position below: 

Job Title: Account Officer

Location:  Nigeria
Employment Type: Full-time
Industry: Fintech / Microfinance Banking

Job Summary

• The Account Officer will support the financial and operational functions of the bank by ensuring accurate transaction processing, account management, reconciliation, and loan administration within a fintech-enabled banking environment.
• The role requires strong financial discipline, operational efficiency, and the ability to work with digital banking platforms and core banking systems.
• The ideal candidate will play a key role in maintaining financial accuracy, supporting loan portfolio administration, ensuring compliance with regulatory requirements, and delivering seamless account services across digital and traditional channels.

Key Responsibilities
Financial Operations & Account Management:

• Maintain and manage customer accounts including savings, loan, and digital wallet accounts within the bank’s core banking platform.
• Process account opening documentation and ensure full compliance with KYC and AML regulatory requirements.
• Perform daily reconciliation of transactions across digital channels, internal systems, and payment platforms.
• Monitor and reconcile general ledger accounts to ensure financial accuracy and completeness.
• Maintain proper documentation of financial transactions and customer records.

Loan Administration & Monitoring:

• Support loan processing activities including documentation verification and disbursement preparation.
• Monitor loan repayment schedules and follow up on overdue repayments.
• Assist in maintaining accurate loan portfolio records within the loan management system.
• Work closely with credit and risk teams to flag potential loan delinquencies.

Compliance & Financial Control:

• Ensure strict adherence to internal financial controls and regulatory guidelines.
• Support regulatory reporting requirements and audit documentation.
• Identify discrepancies and escalate financial irregularities where necessary.
• Ensure proper documentation and record keeping in line with regulatory expectations.

Customer Support:

• Provide prompt support for customer account inquiries and transaction-related issues.
• Resolve discrepancies related to account balances, payments, or transfers.
• Ensure a high level of service delivery across digital and branch banking channels.

Key Performance Indicators (KPIs)

• Transaction accuracy rate.
• Reconciliation turnaround time.
• Loan repayment monitoring effectiveness.
• Compliance with financial reporting timelines.
• Customer service response time for account-related issues.

Requirements

• Bachelor’s degree in Accounting, Finance, Banking, or a related discipline.
• 3–5 years experience in accounting, banking operations, or fintech financial management.
• Experience working with core banking systems or fintech financial platforms.
• Strong proficiency in Microsoft Excel and financial reporting tools.
• Strong understanding of financial reconciliation and transaction controls.
• High level of integrity, accuracy, and professionalism.

Core Competencies:

• Financial reconciliation and transaction monitoring.
• Core banking system operations.
• Loan administration and repayment monitoring.
• Knowledge of KYC/AML regulatory compliance.
• Attention to detail and financial accuracy.
• Digital banking and fintech platform familiarity.
• Analytical and problem-solving skills.
• Strong organizational and documentation skills.

Salary
N350,000 / month.

Application Closing Date
30th March, 2026.