Finance Analyst (fintech)

Title: Finance Analyst

Department: Finance

Reports To: VP Finance

Work Level: Analyst

Location: Hybrid

PURPOSE

To support the Finance function by ensuring accurate financial reporting, disciplined cash management, regulatory compliance, and insightful financial analysis to support operational and strategic decision-making in Ghana. 

KEY RESPONSIBILITIES

Financial Operations 

• Process supplier, vendor, and merchant invoices in accordance with internal approval procedures. 
• Maintain and reconcile accounts payable and accounts receivable ledgers. 
• Monitor vendor aging reports and ensure timely settlement of obligations. 
• Track receivables and follow up on overdue accounts to improve cash collections. 
• Maintain accurate and up-to-date general ledger records. 
• Ensure proper filing and documentation of financial records for audit and compliance purposes. 

Payroll & Compliance

• Process monthly payroll accurately and ensure statutory deductions are correctly applied. 
• Prepare and file all statutory returns including GRA taxes, PAYE, SSNIT, and pension contributions in accordance with regulatory timelines. 
• Ensure compliance with applicable Ghanaian tax and regulatory requirements. 

Financial Planning & Analysis 

• Maintain and update a 13-week rolling cash flow forecast to support liquidity management. 
• Conduct variance analysis (Actual vs Budget) and highlight key drivers. 
• Track operational burn rate and cost efficiency metrics. 
• Support preparation of monthly management accounts and financial reports. 
• Provide financial insights and analysis to support management decision-making. 

Financial Controls & Process Improvement 

• Maintain clean and reconciled cash ledger balances. 
• Support implementation of internal financial controls and best practices. 
• Assist with audit preparation and respond to audit queries where required. 
• Identify opportunities to improve financial processes, reporting efficiency, and cost control. 

KEY PERFORMANCE INDICATORS (KPIs)

• Month-end close within 5 days 
• 100% Transaction reconciliation accuracy 
• Unreconciled transactions below 0.5% 
• Cash flow forecast accuracy 
• Statutory filing compliance 
• Revenue reconciliation accuracy 
• Vendor/partner payment timeliness 

QUALIFICATIONS

• Bachelor’s degree in Accounting, Finance, Economics, or related field.
• 3–5 years relevant experience in finance or accounting roles.
• Experience managing Ghana payroll and tax filings.
• Professional qualification (ACCA, ICA Ghana, or CIMA – part or fully qualified) is preferred.
• Experience in a startup, fintech, or high-growth environment is an added advantage.

SKILLS/ KNOWLEDGE/EXPERIENCE

• Advanced Microsoft Excel skills (pivot tables, lookups, financial modelling). 
• Experience with accounting software such as Xero or similar platforms. 
• Good understanding of Ghana tax laws, payroll compliance, and statutory reporting. 
• Basic understanding of foreign exchange and multi-currency accounting. 
• Strong analytical and problem-solving abilities. 
• High attention to detail and accuracy. 
• Strong organizational and time-management skills. 
• Ability to work independently and manage multiple priorities.

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