Reconciliations Specialist (Lending Operations)

Job Description

Our Fintech client is seeking a Reconciliations Specialist to be a critical member of the Financial Operations team, responsible for maintaining the integrity of loan portfolio data across all systems. In this role you will own the end-to-end reconciliation process, resolve exceptions, support escalated customer queries, and work cross-functionally with Technology and Data Science teams to drive accuracy, automation, and continuous improvement.

 

What you will be doing:

• Execute daily end-to-end reconciliation of loan portfolios, ensuring all positions are balanced and signed off within agreed SLAs.
• Perform detailed data validation to ensure accuracy, completeness, and consistency of data across multiple systems.
• Identify, investigate, and resolve reconciliation discrepancies in a timely manner, maintaining a clear exceptions log and escalation trail.
• Manage the reconciliation of individual loan accounts, including repayments, interest calculations, and fee adjustments.
• Act as subject matter expert for escalated customer queries relating to loan discrepancies, providing clear and accurate resolution.
• Investigate and rectify complex or non-performing loan issues, including interest discrepancies, refunds, and manual adjustments.
• Partner with the Technology team to resolve system discrepancies, automate manual reconciliation processes, and improve data feeds.
• Collaborate with Data Science to identify patterns in data exceptions, enhance data quality, and validate model-driven adjustments.

 

What you will need:

• 3 – 5 years’ experience in financial reconciliation within loan operations.
• Background in fintech, microfinance, or consumer lending environments.
• Demonstrated experience reconciling loan portfolios or financial accounts end-to-end.
• Strong knowledge of loan structures: principal, interest accruals, fees, repayments, and adjustments.
• Proficiency in Excel – including pivot tables, VLOOKUP/XLOOKUP, and data validation.
• Strong communication skills in English with French or Swahili being advantageous.
• Experience with SQL or data querying tools for extracting and validating large datasets.

 

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