Job Description
ABOUT SHECLUDED
Shecluded is Nigeria's leading female-focused fintech and business development organization, dedicated to empowering women entrepreneurs through access to finance, business advisory, capacity-building programmes, and a growing community of mission-aligned professionals. We are building the infrastructure for women to start, grow, and scale businesses across Nigeria and beyond. As we scale our commercial operations toward our ₦1.2B revenue target, we are seeking exceptional professionals to join our team and drive our next phase of growth.
ROLE OVERVIEW The Finance Manager will be the custodian of Shecluded's financial integrity, operational efficiency, and compliance excellence. This is a critical leadership role responsible for overseeing all accounting operations, financial reporting, treasury management, regulatory compliance, and the development of the financial infrastructure required to support Shecluded's growth to ₦1.2B in annual revenue. You will work closely with the MD, department heads, and external auditors to ensure the organisation is financially sound, audit-ready, and positioned for institutional funding and investor confidence.
KEY RESPONSIBILITIES
Financial Reporting & Analysis: Prepare accurate, timely monthly, quarterly, and annual financial statements; produce insightful management accounts with revenue variance analysis, expense tracking, and key financial ratios for SMT and Board review.
Revenue Tracking & Dashboard: Own the monthly revenue dashboard — tracking actuals vs. targets across all revenue streams (loan interest, processing fees, Hubspace, training, advisory, grants) with RAG status reporting at every SMT meeting.
Budgeting & Forecasting: Lead the annual budgeting process and maintain rolling financial forecasts; model financial scenarios for new revenue streams, expansion plans, and capital requirements.
Treasury & Cash Flow Management: Manage daily cash flow, fund disbursements, loan book liquidity, and ensure sufficient capital is available to meet disbursement commitments and operational obligations.
Tax & Regulatory Compliance: Ensure 100% compliance with FIRS, CAC, LIRS, and all applicable regulatory requirements; manage timely filing of VAT, WHT, CIT, and all statutory obligations.
Audit & Internal Controls: Coordinate and manage external audit processes (including PwC); implement and monitor robust internal controls, financial policies, and procedures that safeguard organisational assets.
Loan Book Financial Oversight: Work closely with Credit & Recovery to maintain accurate loan schedules, interest income reconciliation, PAR provisioning, and portfolio financial reporting.
Vendor & Payroll Management: Oversee vendor onboarding, payment processing, expense approvals, and monthly payroll — ensuring accuracy, timeliness, and proper documentation for all transactions.
Team Development: Manage and develop the Accounts team; build financial capacity within the organisation and implement systems and tools that improve efficiency and accuracy.
SKILLS REQUIRED
Financial reporting and management accounting
Budgeting, forecasting, and financial modelling
Tax planning and regulatory compliance (Nigeria)
Treasury and cash flow management
Loan book accounting and portfolio reporting
Internal controls design and audit coordination
ERP/accounting software proficiency (QuickBooks, Sage, or similar)
Leadership, team management, and cross-functional collaboration
QUALIFICATIONS & REQUIREMENTS
Bachelor's degree in Accounting, Finance, Economics, or a related field. A Master's degree or MBA is an added advantage.
Professional qualification is required: ICAN, ACCA, CIMA, or equivalent — or demonstrable progress toward certification.
Minimum of 5–7 years of progressive finance and accounting experience, with at least 2 years in a senior or managerial finance role.
Experience in fintech, microfinance, MSME lending, or financial services is strongly preferred.
Deep knowledge of Nigerian tax law, FIRS/LIRS requirements, CAC compliance, and IFRS reporting standards.
Hands-on experience with accounting software (QuickBooks, Sage, or similar) and advanced Excel/Google Sheets skills.
Demonstrated ability to manage audits, implement internal controls, and work with external auditors and regulatory bodies.
High attention to detail, strong analytical skills, and the ability to communicate financial information clearly to non-financial stakeholders.
Proven integrity, confidentiality, and sound professional judgment in handling sensitive financial information.