Senior Reconciliation Officer

The Role

As the Senior Reconciliation Specialist, you will lead end-to-end reconciliation activities across multiple products, currencies, and markets (Africa and GCC), ensuring accuracy, compliance, and operational integrity across our financial ecosystem. You will own the reconciliation framework, drive automation initiatives, and proactively manage risk across high-volume transactions.

This role requires deep technical expertise, strong analytical ability, and the maturity to collaborate with cross-functional teams, external partners, payment providers, banks, and regulators across regions. You will play a critical role in strengthening our financial controls and supporting decision-making at leadership level..

Position title: Senior Reconciliation Specialist

Reports to: Head of Finance

Coverage: UAE (HQ), Kenya, Tanzania, and Uganda + other new markets

Base: UAE

Travel: Required

Key Responsibilities

1. Reconciliation Leadership & Ownership

• Lead and oversee daily product, balance, and settlement reconciliations across multiple markets and currencies.

• Ensure all reconciliation processes adhere to UAE regulatory expectations as well as internal control frameworks.

• Design, maintain, and improve reconciliation SOPs, documentation, and audit trails.

2. Advanced Product & Balance Reconciliations

• Execute and review complex product-level reconciliations, ensuring accuracy in high-volume fintech transaction flows (wallet, payments, cards, lending, collections, settlement)

• Perform detailed balance reconciliations post-transaction matching, ensuring ledger integrity and financial accuracy.

3. Exception & Mismatch Management

• Lead discrepancy investigations, ensuring root cause analysis and complete resolution within defined SLAs.
• Oversee system uploads and handling of mismatches, ensuring correctness, completeness, and traceability.
• Escalate systemic issues and recommend corrective actions to product, tech, finance, and risk teams.
  

4. Controls, Compliance & Governance

• Conduct daily internal system checks, ensuring adherence to controls, audit readiness, and early detection of anomalies.

• Support internal/external audits, regulatory reviews, and compliance reporting for UAE and Africa markets.

• Ensure proper handling of sensitive financial information in line with data protection requirements.

5. Stakeholder & Partner Management

• Serve as the primary contact point for reconciliation matters with product teams, payment partners, issuing/acquiring banks, and fintech providers.
• Resolve queries from partners promptly and maintain high-quality communication and escalation discipline.
• Work with engineering teams to enhance reconciliation tools, automation, dashboards, and reporting.
  

6. Continuous Improvement & Strategic Input

• Identify process gaps and propose workflow enhancements, automation opportunities, and system improvements.
• Contribute insights to risk management, finance strategy, and operational optimization.
• Support additional tasks and projects that contribute to operational excellence.

Person Specification

Required Experience /Skills

• 5–7+ years hands-on experience in reconciliation, financial operations, fintech transaction processing, or settlement operations.
• Strong exposure to multi-currency, cross-border, high-volume fintech environments.
• Experience working with UAE financial partners, PSPs, banks, or regulators (advantageous).
• Strong proficiency in Excel, data analytics tools, and financial reporting systems.
• Familiarity with ERP systems, reconciliation software, or payment systems (e.g., Mambu, T24, Oracle, Stripe, Network International, Mastercard/Visa settlement tools).
• Ability to interpret API logs, transaction files, and structured/unstructured data (added advantage).
  

Key Competencies

• Exceptional attention to detail with a high bar for accuracy and completeness.
• Strong analytical and problem-solving skills with a proactive, ownership mindset.
• Excellent written and verbal communication; able to manage diverse stakeholders across UAE and African markets.
• Team player who can collaborate across Finance, Tech, Product, Risk, and Operations.
• High integrity and appropriate handling of confidential and sensitive information.
  

Why Join Us

• Opportunity to shape reconciliation operations across a fast-scaling fintech spanning Africa and the UAE.
• Exposure to advanced digital financial products, complex multi-market reconciliations, and regulatory environments.
• A role with strong career progression into Reconciliation Manager, Treasury Operations, or Financial Operations Leadership.

Benefits

• Health Insurance for you and your direct dependants
• Group Bonus Policy
• Long Term Incentive Plan (LTIP)
• Mental Health and Wellbeing Platform
• Learning & Development Opportunities (Internal and External)

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