Financial Controller

• Partner with CEO and Board to formulate and execute the bank's financial strategy and digital transformation initiatives
  
• Develop and implement financial strategies, business plans, and financial models aligned with microfinance industry dynamics
  
• Lead capital planning, budgeting processes, and financial forecasting
  
• Drive innStrategic Financial Planning & Leadership
  
• Partner with CEO and Board to formulate and execute the bank's financial strategy and digital transformation initiatives
  
• Develop and implement financial strategies, business plans, and financial models aligned with microfinance industry dynamics
  
• Lead capital planning, budgeting processes, and financial forecasting
  
• Drive innovation in digital financial services while maintaining prudent financial management
  

• Ensure full compliance with all CBN regulations, circulars, and prudential guidelines for microfinance banks
  
• Oversee timely submission of all regulatory returns (monthly, quarterly, annual prudential returns, FINSCOPE, NDIC, EFCC, FRC filings)
  
• Maintain active liaison with CBN examiners, NDIC, and other regulatory bodies
  
• Lead preparation for CBN examinations and regulatory audits
  
• Monitor and implement regulatory updates affecting microfinance operations
  

• Direct accounting, treasury, financial planning & analysis, taxation, and financial reporting functions
  
• Oversee preparation of IFRS -compliant audited financial statements
  
• Manage liquidity position, ensuring compliance with CBN liquidity ratios and capital adequacy requirements
  
• Monitor loan portfolio quality, provisioning, and NPL management
  
• Optimize cost -to -income ratio and operational efficiency
  
• Oversee funds transfer pricing and profitability analysis across products and channels
  

• Develop and implement financial risk management frameworks
  
• Monitor credit risk, market risk, and liquidity risk from a financial perspective
  
• Participate in Management Committee meetings and ALCO
  
• Ensure robust financial controls and fraud prevention mechanisms
  
• Monitor exposure limits and concentration risks
  

• Collaborate with technology leadership on digital infrastructure investments and ROI analysis
  
• Oversee financial controls embedded in digital platforms and payment systems
  
• Monitor transaction processing costs and digital channel economics
  
• Drive automation of financial processes and reporting systems
  
• Evaluate fintech partnerships from financial viability and cost -benefit perspectives
  

• Manage funding strategy including deposits mobilisation, borrowings, and capital raises
  
• Oversee treasury operations and investment of surplus funds in CBN -approved instruments
  
• Manage relationships with DFIs, impact investors, and funding partners
  
• Ensure compliance with CBN single obligor limits and exposure limits
  
• Manage statutory reserve requirements with CBN
  

• Present financial reports and strategic recommendations to Board of Directors
  
• Serve on Audit, Risk Management, and Finance & Investment Committees
  
• Coordinate internal and external audit activities and ensure timely resolution of audit findings
  
• Drive corporate governance best practices across finance function
  
• Maintain relationships with external auditors
  

• Develop tax -efficient strategies within Nigerian tax laws
  
• Ensure timely filing and payment of all taxes (CIT, VAT, WHT, PAYE)
  
• Manage relationships with FIRS and State Internal Revenue Services
  
• Optimize tax position while ensuring full compliance
  

• Build, develop and mentor high -performing finance team
  
• Drive succession planning and capacity building within finance function
  
• Foster a culture of accuracy, compliance, and continuous improvement
  
• Implement training programs to enhance technical and analytical capabilities
  

• Represent the bank to investors, rating agencies, and investment community
  
• Maintain relationships with commercial banks, DFIs, and funding partners
  
• Participate in industry associations and microfinance forums
  
• Manage investor relations and fundraising activities
  

Requirements

• Bachelor's degree in Accounting, Finance, Economics, Banking & Finance, or related field from a recognized university
  
• Master's degree in Business Administration (MBA - Finance), Accounting, or Finance (highly preferred)
  
• Active membership/fellowship of Institute of Chartered Accountants of Nigeria (ICAN) - ACA/FCA, OR Association of Chartered Certified Accountants (ACCA) - ACCA/FCCA
  

• Minimum 12 -15 years of progressive financial management experience
  
• At least 5 -7 years in senior financial leadership roles (FC, CFO, Finance Director, Group Financial Controller, or equivalent)
  
• Proven experience in Nigerian banking, microfinance, or financial services sector
  
• Experience managing CBN regulatory compliance and examinations
  
• Experience with digital banking or fintech operations (advantageous)
  
• Track record in financial inclusion initiatives or development finance (preferred)
  

• Chartered Financial Analyst (CFA)
  
• Certification in Risk Management (FRM, CIPM)
  
• Certification in Corporate Governance
  
• Member of Chartered Institute of Bankers of Nigeria (CIBN)
  
• Certification in AML/CFT compliance
  

• Expert knowledge of International Financial Reporting Standards (IFRS) and Nigerian GAAP
  
• Deep understanding of CBN prudential guidelines and regulations for microfinance banks
  
• Advanced financial modelling, analysis, and forecasting capabilities
  
• Proficiency in risk management frameworks (Basel, COSO, ISO 31000)
  
• Strong knowledge of core banking systems and digital banking platforms
  
• Expertise in treasury management and Asset -Liability Management (ALM)
  
• Comprehensive understanding of Nigerian tax laws and regulations
  
• Knowledge of audit methodologies and internal control frameworks
  
• Proficiency in financial management software and ERP systems
  
• Understanding of microfinance operations and development finance principles
  

• Strategic thinking and business acumen
  
• Strong leadership and people management capabilities
  
• Excellent stakeholder management and relationship building
  
• Outstanding written and oral communication skills
  
• High emotional intelligence and executive presence
  
• Problem -solving and analytical thinking
  
• Decision -making under pressure and in ambiguous situations
  
• Change management and digital transformation leadership
  
• Integrity, ethics, and professional conduct
  
• Collaboration and cross -functional team leadership
  
• Attention to detail and accuracy
  
• Proactive and solution -oriented mindset
  
• Crisis management capabilities
  
• Negotiation and influencing skills
  
• Adaptability and resilience