Chief Financial Officer

About PayZeep

PayZeep is a leading financial technology company licensed by the Central Bank of Nigeria (CBN) to provide secure, innovative, and reliable payment solutions. As a licensed Payment Solution Service Provider (PSSP), Payment Terminal Service Provider (PTSP), and Super-Agent, PayZeep empowers businesses and individuals through world-class digital payment infrastructure and technology-driven financial services.

At PayZeep, we are committed to operational excellence, regulatory compliance, ethical conduct, and customer trust while driving innovation across the digital payments’ ecosystem.

ROLE SUMMARY

The Chief Financial Officer (CFO) is responsible for leading the financial strategy, governance, treasury management, financial planning, regulatory reporting, and capital management of the organization. The role ensures the company's financial health, sustainability, profitability, and compliance while supporting strategic growth initiatives in a PayZeep.

The CFO serves as a strategic advisor to the MD and Board, providing critical financial insights that drive business performance, investment decisions, fundraising activities, and long-term shareholder value creation.

KEY RESPONSIBILITIES

• Own financial strategy, budgeting, forecasting, capital planning and fundraising support.
• Lead treasury, liquidity and settlement-funding management for payment operations.
• Ensure timely, accurate statutory and regulatory financial reporting to the CBN, FIRS and other relevant bodies.
• Build and lead the Finance function including Accounting, FP&A, Tax and Treasury.
• Design and maintain robust financial controls, close processes and audit readiness (external and CBN examinations).
• Partner with the CEO and Board on capital structure, investor relations and M&A/partnership evaluation.
• Own pricing, unit-economics and margin analysis across payment products.
• Oversee treasury operations, cash flow management, and liquidity planning.
• Ensure adequate funding for payment processing, settlement operations, and business activities.
• Monitor capital adequacy requirements and maintain optimal capital structure.
• Develop strategies to improve working capital efficiency.
• Ensure accurate and timely preparation of monthly, quarterly, and annual financial statements.
• Coordinate external audits, regulatory reviews, and internal audit activities.
• Maintain a strong financial governance framework.
• Manage relationships with investors, lenders, shareholders, and financial stakeholders.
• Prepare board reports, investor presentations, and financial performance updates.
• Provide financial leadership during mergers, acquisitions, and strategic partnerships.
• Establish and maintain robust internal controls and financial policies.
• Identify and mitigate financial, operational, and strategic risks.
• Collaborate with Risk, Compliance, and Audit functions to strengthen governance practices.
• Monitor financial exposures and recommend risk mitigation strategies.
• Foster a culture of accountability, continuous improvement, and operational excellence.
• Establish performance metrics and development plans for finance personnel
• Drive financial literacy and business partnering across the organization.
• Lead pricing, profitability, unit economics, and business performance analysis.
• Evaluate product economics and revenue optimization opportunities.
• Support executive decision-making through financial insights and analytics.
• Develop KPI dashboards and performance measurement frameworks.
• Drive operational efficiencies and cost optimization initiatives.

EDUCATIONAL QUALIFICATIONS

• Bachelor's degree in Accounting, Finance, Economics, or a related field (required).
• Professional accounting qualification required: ICAN, ACCA, ACA or CFA.
• MBA or Master's in Finance is an advantage.

EXPERIENCE REQUIREMENTS

Total Relevant Experience: 10 -15 years

Fintech / Financial Services Experience: 10+ years in fintech, banking or financial-services finance leadership

Leadership / People-Management Experience: 7+ years in senior finance leadership roles, including at least 3 years as Head of Finance/Finance Director or above, with clear evidence of building and leading finance teams

SKILLS & COMPETENCIES

• Strong command of IFRS, statutory reporting and CBN prudential/regulatory returns
• Treasury and liquidity management for payment/settlement operations
• Fundraising, investor relations and board-level financial communication
• Strong internal-controls and audit-management experience
• Advanced financial modelling and analytical rigor
• Financial Strategy Development
• Corporate Finance
• Financial Planning & Analysis (FP&A)
• budgeting & Forecasting
• Capital Management
• Treasury & Liquidity Management
• IFRS Financial Reporting
• Regulatory Reporting
• Tax Management
• Executive Stakeholder Management
• Advanced Financial Modelling
• Data Analytics & Business Intelligence
• Problem Solving & Analytical Thinking

REGULATORY CONSIDERATIONS (NIGERIA)

• Accountable for timely and accurate CBN prudential returns and other statutory filings applicable to PayZeep's licence category.
• Ensures compliance with FIRS tax obligations (CIT, VAT, WHT) and other Nigerian statutory levies (Pension Reform Act, ITF, NSITF).