• Job Location: , Accra, , GH
• Job Function: Accounting, Auditing & Finance
• Employment Type: Full-Time
• Minimum Experience: 7 years
• Minimum Qualification: Professional Certification
• Age Range:
• Preferred Gender: Any
• Salary:

Key Responsibilities

1. Internal Control Framework & Governance

· Develop, implement, and continuously improve the company’s internal control framework.

· Establish control policies, procedures, and standard operating guidelines across operational units.

· Ensure controls are aligned with regulatory requirements and industry best practices.

· Conduct periodic risk assessments and recommend mitigation strategies.

2. Operational Compliance Oversight (Commercial, Credit & Collections)

· Monitor compliance with internal policies and regulatory requirements across:

o Commercial operations (customer onboarding and deposits mobilization)

o Credit operations (loan origination, appraisal, approval, disbursement)

o Collections & recoveries (repayment tracking, arrears management, restructuring, write-offs)

· Review operational transactions to ensure adherence to approved processes and delegated authorities.

· Identify control breaches and escalate significant issues to the COO and Executive Management.

· Ensure proper documentation and record-keeping standards are maintained.

3. Monitoring, Testing & Reporting

· Develop and execute annual internal control testing plans.

· Conduct regular operational reviews, spot checks, and surprise audits.

· Track control deficiencies and ensure timely remediation.

· Prepare monthly and quarterly internal control reports for the COO and relevant committees.

· Provide insights on emerging operational risks and recommend preventive measures.

4. Regulatory & Policy Compliance

· Ensure compliance with Bank of Ghana and other regulatory authority requirements.

· Monitor implementation of regulatory updates affecting Commercial, Credit, and Collections.

· Support regulatory examinations and external audits.

· Coordinate responses to regulatory findings and ensure closure of action items.

6. Process Improvement & Advisory

· Review operational workflows and recommend efficiency improvements without compromising controls.

· Provide advisory support to business units on control design and process enhancement.

· Support automation and system control enhancements in core banking and collections systems.

Key Performance Indicators (KPIs)

· Reduction in operational control breaches

· Timely closure of audit and regulatory findings

· Compliance rate across Commercial, Credit, and Collections functions

· Timeliness and quality of control reporting

Qualifications & Experience

· Bachelor’s degree in Finance, Accounting, Business Administration, or related field

· Professional certification such as ACCA, CPA, CIA, CISA, or equivalent is highly desirable

· Minimum of 7–10 years’ experience in internal control, internal audit, risk management, or operations within a financial institution (preferably Savings & Loans, Microfinance, or Banking)

· Strong understanding of credit operations and regulatory compliance requirements

· Experience in operational risk management and control testing

Key Competencies

· Strong knowledge of financial services regulatory frameworks

· High integrity and independence of judgment

· Excellent analytical and investigative skills

· Strong reporting and presentation skills

· Attention to detail and process orientation

· Ability to influence without direct authority

· Strong stakeholder management skills

Authority & Independence

· Unrestricted access to operational records, systems, and personnel for review purposes

· Authority to escalate significant control issues directly to the COO

· Independence in control reviews and reporting

Working Relationships

· Operations Team (Commercial, Credit, Collections)

· Risk & Compliance

· Finance

· People & Culture

· Internal & External Auditors

· Executive Management