Treasury Ops Analyst

Job Description

Introduction to the role

In partnership with our client, we are seeking a Treasury Operations Analyst to serve as a critical guardian of financial integrity in a fast-growing fintech startup building a smart wealth management platform. You will be a pivotal operational partner sitting at the intersection of payments, treasury, and risk ensuring that transaction flows, settlements, and balances across multiple systems are accurate, reconciled, and auditable. If you are a numbers-driven professional with an eagle eye for detail and a passion for safeguarding company funds through end-to-end visibility and continuous process improvement, we want to meet you.

Who are we looking for?

You are an accounting specialist with a solid foundation in financial principles, a Bachelor’s degree in Accounting, Finance, Business, or a related field, and a passion for high-volume transaction management and payments operations.
You are a detail obsessive with high attention to detail and strong analytical skills, someone who naturally spots discrepancies early and won’t rest until every account reconciles perfectly.
You are a master of tools, particularly Excel and Google Sheets, and you are comfortable navigating various financial systems, payment processors, and banking platforms.
You are process-oriented, with an innate understanding of payment flows and settlement cycles, bank and processor reconciliations, transaction-level controls, and the importance of compliance in a fintech environment.
You are a clear communicator, capable of flagging issues effectively and working across teams (engineering, product, customer operations) to resolve financial and transaction-related hurdles.
You are curious about process improvement and automation, always looking for opportunities to reduce manual effort and strengthen operational resilience.

Your Responsibilities…

Reconciliation & Account Management
You will perform daily, weekly, and monthly reconciliations across bank accounts, payment processors, wallets and settlement accounts, and internal transaction ledgers.
You will monitor end-to-end payment flows, settlements, and clearing cycles to ensure all incoming and outgoing funds are accounted for and settled accurately.
You will identify, investigate, and resolve reconciliation breaks, settlement delays, and discrepancies.
You will maintain accurate cash position and settlement reports, maintaining clear audit trails, documentation, and controls.
You will manage withdrawal requests from both partners and customers, ensuring they are verified and executed within service-level agreements.

Treasury & FX Operations

You will support treasury operations, including monitoring balances and liquidity across accounts to ensure the business can always meet its immediate financial obligations.
You will assist in managing investment assets, including handling foreign exchange (FX) movements, specifically between USD and GHS/NGN.
You will liaise with banks, payment service providers, and partners to address settlement or reconciliation challenges.
You will support month-end close activities related to payments and treasury.
Risk Management & Compliance
You will maintain rigorous internal controls to safeguard company resources and prevent fraud.
You will assist in strengthening risk management, controls, and operational resilience.
You will work closely with the compliance team and engineering, product, and customer operations teams to ensure all treasury and payment activities meet regulatory standards.
You will identify and flag any potential financial risks or anomalies in transaction data to leadership immediately.
Process Improvement
You will identify opportunities to automate reconciliation processes and reduce manual effort, improving operational efficiency.
You will streamline the treasury reporting process using Excel or other tools to reduce manual entry time.

What Success looks like…

Achieve a 100% reconciliation rate across all accounts with no unexplained variances at the end of each month.
Maintain flawless cash position reporting with accurate, up-to-date settlement reports.
Process all customer and partner withdrawal requests within the 24-hour target window.
Proactively identify and resolve at least 95% of transaction discrepancies before they impact the final reporting cycle.
Implement at least one process improvement or automation that reduces manual reconciliation time by 20% within the first six months.
Support seamless month-end close activities with zero delays related to payments or treasury operations.

To be considered for this role you should have…

A Bachelor’s degree in Accounting, Finance, Business, or a related field.
3–5 years of experience in payments operations, treasury, finance operations, or reconciliations.
Strong understanding of payment flows and settlement cycles, bank and processor reconciliations, and transaction-level controls.
Experience with high-volume transaction data and financial reconciliation processes.
Advanced proficiency in Excel / Google Sheets (VLOOKUPs, Pivot Tables, and complex formulas are second nature to you) and financial systems.
Knowledge of FX operations and the Nigerian banking system.
Ability to work in a fast-paced, high-accountability environment.
A strong sense of integrity and professional ethics.
Preferred (Strong Advantage):
Experience in fintech, digital banking, payments, or financial services.
Familiarity with payment processors (cards, transfers, wallets), settlement timelines, and clearing mechanisms.
Exposure to internal controls, audits, or compliance processes.
Experience working in startup or scale-up environments.
Interest or experience in process automation (scripts, tools, or systems).

Challenges you may face in this role…

Staying accurate and focused while managing large amounts of data in a fast-moving environment with high transaction volumes.
Managing the complexities of FX reconciliations in a market where rates can shift rapidly due to currency volatility.
Balancing the need for absolute accuracy with the urgency of processing customer payments and identifying discrepancies quickly under strict deadlines.
Working across time zones and departments to resolve payment-related issues while maintaining operational efficiency.

The Goodies…

Competitive salary package.
Opportunity to be one of the earliest hires with significant ownership and responsibility in a high-value position that directly influences business execution.
A supportive team environment where your attention to detail is truly valued.
Clear pathways for growth into senior finance or operations roles. All roles are structured to help employees evolve as career rockstars with the resources you need to succeed.
You’re joining a rocket ship; a truly world-class team with tremendous growth potential.
Eligibility for the early employee share option plan, adding value to yourself while you synthesize value for the business and users.
Remote-first work flexibility with an expectation of online responsiveness between 9:30 AM to 5:30 PM GMT.