Renmoney Recruitment 2026: Card Reconciliation Officer & E-Payment Settlement Officer. Jobs | Apply Now
Renmoney – We are a passionate team determined to challenge the status quo and make financial inclusion count for the millions of under-banked individuals and small business owners in Nigeria. We provide loans, savings, and fixed deposit solutions to our customers. Our vision is to be the most convenient lending company, delivering outstanding service experiences.
1). Card Reconciliation Officer
Location: Nigeria
Key Responsibilities
Card Transaction Reconciliation:
- Perform daily reconciliation of card transactions across all payment channels, including:
- POS Transactions
- ATM Transactions
- Web/IPG Transactions
- Credit Card Transactions
- Agency Banking Transactions
- Other Digital payments transactions.
- Reconcile transactions between:
- Mambu
- Card Management System
- Payment Switches (Interswitch, Mastercard, etc.)
- Settlement Banks
- Internal General Ledger accounts
- Ensure all reconciliation activities are completed within the approved Service Level Agreements (SLAs).
General Ledger Reconciliation:
- Reconcile all card-related General Ledger (GL) accounts on a daily basis.
- Monitor outstanding balances and investigate unreconciled items.
- Ensure suspense and settlement GLs are cleared promptly.
- Maintain reconciliation schedules and supporting documentation.
Exception Management:
- Investigate and resolve reconciliation breaks and settlement discrepancies.
- Track aged outstanding items until resolution.
- Escalate unresolved exceptions in accordance with established procedures.
- Coordinate with internal and external stakeholders to resolve exceptions within agreed timelines.
Settlement Validation:
- Validate settlement reports received from payment schemes, payment switches, and settlement banks.
- Confirm settlement amounts agree with transaction processing records.
- Identify duplicate settlements, missing settlements, failed settlements, and settlement variances.
- Monitor settlement timelines and ensure prompt escalation of delays.
Reporting
Prepare and distribute:
- Daily Card Reconciliation Report
- Outstanding Reconciliation Items Report
- Settlement Exception Report
- GL Reconciliation Report
- Aged Outstanding Items Report
- Monthly Management Reconciliation Dashboard
- Operational Loss Report (where applicable).
Operational Risk & Control:
- Ensure compliance with approved reconciliation procedures and internal control standards.
- Identify operational control weaknesses and recommend improvements.
- Maintain complete audit trails for all reconciliation activities.
- Report operational incidents, control breaches, and suspected fraudulent activities promptly.
Process Improvement:
- Recommend automation opportunities for reconciliation activities.
- Participate in User Acceptance Testing (UAT) for new card products and system enhancements.
- Contributes to the continuous improvement of reconciliation processes and controls.
Requirements
Experience:
- Minimum of 2–4 years’ experience in Banking Operations, Card Operations, Reconciliation, Settlement, Finance Operations, or Electronic Payments.
- Experience in card reconciliation within a commercial bank, fintech, or payment service provider is an added advantage.
Technical Knowledge:
- Good understanding of card transaction lifecycle and settlement processes.
- Knowledge of payment schemes such as Interswitch, Mastercard, NIBSS
- Understanding of General Ledger reconciliation.
- Knowledge of electronic payment operations.
- Familiarity with Core Banking Systems (e.g., Mambu) is an advantage.
- Proficiency in Microsoft Excel, including Pivot Tables, VLOOKUP/XLOOKUP, and data analysis.
Application Closing Date
Not Specified.
2. E-Payment Settlement Officer
Location: Nigeria
Key Responsibilities
Settlement Operations:
- Perform daily settlement of all electronic payment transactions across all payment channels.
- Monitor settlement activities with payment switches, settlement banks, and other payment partners.
- Ensure timely settlement of customer transactions in accordance with agreed SLAs.
- Investigate and resolve settlement failures and delays.
- Identify opportunities to improve settlement and reconciliation processes.
- Recommend automation initiatives to reduce manual intervention.
- Participate in system testing and implementation of new payment products.
Reconciliation:
- Perform daily reconciliation of settlement General Ledger (GL) accounts.
- Reconcile transactions across payment channels, settlement banks, and internal systems.
- Investigate and resolve reconciliation breaks within agreed timelines.
- Maintain supporting documentation and reconciliation evidence.
Exception Management:
- Identify and investigate settlement exceptions.
- Resolve failed, pending, and unmatched transactions.
- Escalate unresolved issues promptly to the appropriate stakeholders.
- Maintain an exception register and track resolution to closure.
Payment Operations:
- Monitor payment processing activities to ensure successful transaction completion.
- Process settlement adjustments, reversals, and corrections in accordance with approved procedures.
- Ensure all manual postings are appropriately authorized.
Reporting:
- Prepare daily and weekly settlement and reconciliation proof and report.
- Produce exceptions and ageing reports.
- Report outstanding reconciliation items to management.
- Provide operational performance metrics and dashboards.
Stakeholder Management:
- Liaise with payment switches, settlement banks, fintech partners, and internal teams.
- Coordinate with Technology, card business, Finance, Risk, Internal Control, and Customer Experience to resolve operational issues.
- Participate in meetings relating to payment settlements.
Operational Risk & Compliance:
- Ensure compliance with internal policies, operational procedures, and regulatory requirements.
- Maintain complete audit trails for all settlement activities.
- Support internal and external audits by providing required documentation.
- Escalate operational risk events and control breaches promptly.
Requirements
Required Qualifications, Skills and Experience:
- HND / B.Sc. in Accounting, Finance, Economics, Business Administration, or related field.
- Sound understanding of electronic payment systems, banking operations, and settlement processes.
- Minimum of 2–4 years’ experience in banking operations, e-payment operations, settlement, reconciliation, or transaction processing.
- Practical knowledge of Interswitch settlement, Mastercard settlement processing, and other electronic payment schemes
- Experience in General Ledger (GL) reconciliation, settlement exception management, and transaction investigation.
- Proficiency in Microsoft Excel and other Microsoft Office applications, with the ability to analyze large transaction volumes and prepare operational reports.
- Good understanding of banking controls, operational risk management, and regulatory requirements relating to payment operations.
- High level of integrity, accountability, and professionalism
- Strong analytical and problem-solving skills.
Required Skills & Competencies:
- Strong analytical and reconciliation skills.
- Sound knowledge of electronic payment and settlement processes.
- Understanding of banking operations and General Ledger reconciliation.
- Excellent attention to detail and problem-solving ability.
- Strong communication and stakeholder management skills.
- Proficiency in Microsoft Excel and reporting tools.
- Ability to work under pressure and meet strict deadlines.
- High level of integrity, accountability, and professionalism.
- Knowledge of banking applications and payment platforms.
Application Closing Date
Not Specified.
How to Apply: Interested and qualified candidates should use the links below to apply:
Renmoney Recruitment 2026: Card Reconciliation Officer & E-Payment Settlement Officer. Jobs | Apply Now
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