Paga Nigeria Recruitment 2026: 3 Job Vacancies Available – Apply Now
Paga, a licensed financial services company and one of Nigeria’s leading digital payments companies, is inviting applications from suitably qualified candidates to fill three vacant positions.
Founded on the vision of making financial services simple and accessible to one billion people, Paga leverages mobile technology to build an innovative financial ecosystem that enables individuals and businesses to send, receive, and manage money digitally.
The company is committed to promoting financial inclusion by making digital payments and financial services accessible to everyone.
Applications are now invited from qualified and interested candidates to fill the following positions:
Available Positions: 3 Vacancies.
Interested applicants should review the job descriptions, eligibility criteria, and application procedures through the recruitment link.
Job Title: Credit Risk Officer
Location:Yaba, Lagos
Work mode: Hybrid
Reports: Manager, Credit Risk
Department: Microfinance Bank
About The Role
- The Credit Risk Officer is responsible for assessing loan applications and providing objective, data-driven recommendations in line with Memento Microfinance Bank’s credit policies and risk appetite.
- The role evaluates borrowers’ creditworthiness, repayment capacity, financial position, indebtedness and collateral, where applicable.
- The role also ensures accurate credit documentation, verifies fulfilment of approval conditions before disbursement, monitors portfolio performance and identifies early warning signals to support effective credit risk management.
Primary Responsibilities
Credit Appraisal and Analysis:
- Review loan applications and supporting documents for completeness, accuracy and compliance with lending requirements.
- Analyse bank statements, cash flows, financial information, business performance, indebtedness and repayment capacity.
- Review credit bureau reports from CRC, First Central and other approved agencies.
- Assess transaction patterns, borrower risk classification, collateral and security, where applicable.
- Coordinate relevant KYC and risk checks, including BVN, NIN, CAC and sanctions screening.
- Identify inconsistencies, potential default risks and other adverse credit indicators.
- Prepare credit appraisal reports with clear, evidence-based recommendations.
Credit Recommendations and Approval Support:
- Recommend appropriate loan amounts, tenors, repayment structures and conditions based on assessed risk.
- Document findings, assumptions, exceptions and outstanding requirements.
- Support Credit Committee reviews and provide additional analysis when required.
- Record credit decisions, approved terms and conditions accurately on the loan origination platform.
- Communicate approval requirements to relevant stakeholders.
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Conditions Precedent and Disbursement:
- Verify that approved Conditions Precedent (CPs), including documentation, guarantees and collateral requirements, are fulfilled before disbursement.
- Complete the required CP checklist and maintain supporting records.
- Escalate outstanding or inadequate conditions to the Head of Risk.
- Ensure Credit Risk certifies CP fulfilment before Finance disburses funds and that loans are booked only after Credit Risk sign-off.
Portfolio Monitoring and Early Warning:
- Monitor loan exposures, repayment performance and borrower financial health.
- Identify and escalate missed repayments, delinquency trends, covenant breaches and other early warning signals.
- Recommend accounts for enhanced monitoring, restructuring, remedial action or recovery, where necessary.
- Support portfolio reviews and reporting on delinquency, non-performing loans (NPLs) and other credit risk indicators.
Reporting and Risk Controls:
- Prepare credit risk reports and maintain accurate portfolio records.
- Monitor compliance with lending policies, credit limits, approval authorities and risk parameters.
- Analyze portfolio trends and concentration risks and recommend improvements to credit appraisal processes.
- Support internal and regulatory reviews by providing accurate records and supporting documentation.
- Uphold established credit controls, confidentiality and segregation of duties.
Stakeholder Management:
- Work with Relationship Officers and Business Development teams to obtain required credit information and documentation.
- Liaise with Compliance/Internal Control on KYC and regulatory requirements.
- Collaborate with Finance and MIS on disbursement and loan booking requirements.
- Provide timely feedback on outstanding requirements while maintaining the independence of the credit risk function.
Knowledge and Skill Requirements
- Bachelor’s Degree in Finance, Accounting, Economics, Business Administration, Statistics or a related discipline.
- Minimum of 3 years’ relevant experience in credit, risk management, banking, microfinance or financial services, preferably in loan appraisal or underwriting.
- Good understanding of credit assessment, lending processes, repayment capacity and borrower financial analysis.
- Knowledge of SME and retail/microfinance lending, credit bureau reports, collateral and loan documentation.
- Understanding of KYC, AML and applicable financial services regulations.
- Familiarity with digital lending platforms and automated credit assessment tools is an advantage.
- Strong analytical, numerical, problem-solving and communication skills.
- Proficiency in Microsoft Excel and other relevant analytical tools.
Key Competencies:
- Credit Appraisal and Underwriting
- Financial, Bank Statement and Cash Flow Analysis
- Credit Risk Assessment and Decision-Making
- Credit Bureau Analysis
- Portfolio Monitoring and Early Warning Identification
- Credit Documentation and Risk Controls
- Data Analysis and Interpretation
- Attention to Detail and Professional Judgement
- Stakeholder Management
Application Closing Date
Not Specified.
How to Apply
Interested and qualified candidates should:
Clickhere to apply online
Job Title: Finance Officer
Location:Yaba, Lagos
Work mode: Hybrid
Reports: The Head, Finance, Admin and MIS
Department: Microfinance Bank
About The Role
- The Finance Officer is responsible for maintaining accurate accounting records, processing financial transactions, supporting treasury and lending operations, preparing reconciliations, supporting financial reporting, ensuring compliance with statutory and regulatory requirements, and maintaining effective internal controls.
- The role supports the Finance Department in safeguarding company assets, ensuring financial integrity, facilitating management decision-making, and maintaining compliance with applicable regulatory requirements, including those of the Central Bank of Nigeria (CBN), Financial Reporting Council (FRC), International Financial Reporting Standards (IFRS), AML/CFT regulations, Nigerian tax laws, and internal company policies and procedures.
Primary Responsibilities
- Record daily accounting transactions.
- Maintain accurate books of accounts and general ledger records.
- Process journals and accounting adjustments.
- Prepare monthly schedules and reconciliations.
- Maintain fixed asset registers and accounting documentation.
- Monitor income and expense accounts.
- Support month-end and year-end financial close processes.
- Support the preparation and submission of CBN returns and other regulatory compliance records.
- Support prudential reporting requirements.
- Assist with AML/CFT reporting obligations.
Knowledge and Skill Requirements
- Bachelor’s Degree in accounting, Finance, Economics or a related discipline.
- Minimum of 2 years experience in Accounting, Finance, Treasury Operations, Financial Services, Fintech, Lending or a similar regulated environment.
- Practical experience in financial accounting, reconciliations, treasury operations and financial reporting.
- Experience supporting loan accounting and credit administration activities.
- Working knowledge of IFRS, tax administration and regulatory reporting requirements.
- Proficiency in Microsoft Excel and accounting/ERP systems.
- Professional certification (ACA, ACCA, ICAN or equivalent) will be an added advantage.
Key Competencies:
- Practical knowledge of financial reporting, tax and regulatory compliance.
- Bank reconciliations.
- Advanced Excel and accounting software
- Team spirit
- Internal controls and risk management
- Attention to detail Experience preparing management reports and financial schedules.
- Communication and interpersonal skills.
Application Closing Date
Not Specified.
How to Apply
Interested and qualified candidates should:
Clickhere to apply online
Job Title: Technical Account Manager
Location:Yaba, Lagos
Work mode: Hybrid
Reporting Line: Client Service Manager
Sector: Financial Services
About the Role
- Reporting to the Client Service Manager, Paga Engine, the technical account manager will be primarily responsible for managing partners on the sales pipeline, acquiring new partners and optimizing relationships with existing partners.
- TAM will directly manage relationships with key partners, to grow the developer solution business and to ensure that clients’ needs are met.
Responsibilities and Task
Management of Developer Solution Sales Pipeline:
- Increasing acquisition and activation by winning new business.
- Build strong customer relationships, especially with key customer stakeholders and sponsors.
- Providing technical support to customers before and after-activation.
- Training customers to use Paga developer solution products.
- Answering product-related queries in a timely manner.
- Providing reports to developers and stakeholders on product performance.
- Developing ideas and leading the team to pursue new business opportunities for the Company in Nigeria, Africa and beyond.
- Providing and communicating Developer solution product status updates to the team and stakeholders.
- Ensuring liaison with other departments as appropriate in relation to proposals, projects, legal, customer support, finance, marketing, or other issues.
- Ensuring that clients and partners have 24/7 access to Paga Technical Account Manager to address their requests or issues.
Minimum Qualifications
- Bachelor’s Degree Computer Science or Engineering or related fields
- Knowledge of Product Engineering
- Minimum of 3 years’ experience as a as a Technical Account Manager, Integration Engineer, or Developer Support, including international experience or dealing with global clients
- Experience in technical support and sales
- API & Web Technologies: Hands-on experience working with RESTful APIs, JSON/XML data formats, Webhooks, HTTP/S protocols, and API authentication methods.
- Experience with fintech payment systems, banking rails, or high-volume transactional platforms.
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Job-specific Skills and Requirements:
- Strong people management, technical and sales skills
- Exceptional attention to detail
- Excellent written and oral communication/presentation skills
- Resourcefulness and self-motivation, with the ability to perform with minimal supervision
- Well-organized, with ability to prioritize and manage multiple projects simultaneously
- Experienced in development of business processes, models and plans, including basic financial analysis in Excel
- Exceptional market/customer awareness and networking skills – including proven track record of managing relationships with major operators in Nigeria
- Good commercial sense to be manage contractual and financial conditions in contracts and tenders
- Confidentiality and the highest ethical standards must be maintained in all activities
- Willingness/ability to travel within and outside Nigeria on business
- The TAM will be required to provide assistance to the Company in a wide range of areas, including duties not directly related to his/her area of experience or expertise, in which case proper instruction will be provided by the Company
- Troubleshoot complex integration issues in real time using tools like Postman, URL, log analytics, and API management consoles.
- Guide developers through integrating REST APIs, webhooks, SDKs, and authentication protocols (OAuth 2.0, API keys, HMAC signatures).
Application Closing Date
Not Specified.
How to Apply
Interested and qualified candidates should:
Click here to apply online
Don’t miss this opportunity to advance your career in the financial services industry.
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