Reconciliation & Settlement Officer

Employment: Full-time Experience: Entry level Kuda, which means ‘love’ in Shona, is more than a fintech - it’s a movement to make financial services accessible, affordable, and truly rewarding for every African. Backed by over $100 million from some of the world’s most respected investors, we’re building a smarter alternative to traditional banking - offering seamless money transfers, business banking, and instant access to credit, all through your device. At Kuda, we don’t just build products - we build people. We share the love in how we collaborate, carry everyone along as we grow, break boundaries to challenge what’s possible, and show up every day committed to doing better. If you’re driven by purpose, excited by impact, and ready to help redefine the future of finance in Africa, you’ll feel right at home here. Role Overview We are seeking a highly skilled reconciliation analyst to join our Payments Operations team. The purpose of this role is for Kuda to achieve complete, timely and accurate analysis and settlement of all agency banking transactions made, in accordance with International Accounting Standards. Job Responsibilities Ensure daily reconciliation of all POS transactions and settling partners according to agreed SLA. Identify, investigate, and escalate outstanding items to switch and other third parties for prompt resolution. Liaise with banks and vendors on settlement discrepancies. Attend to POS merchant disputes daily and ensure no chargeback defaults to system. Liaise with the Product and technical team to resolve issues around POS transactions. Ensure Daily validation of transaction posting to GLs. Respond to general inquiries directed to Settlement from support or service areas. Ensure that suspense items do not exceed the established timeline designated for each type of exception. Share daily/monthly reports on activities done. Requirements At least 3 years of experience in payments reconciliation Attention to details. Accountability and ownership. Excellent communication skills Initiative driven. Collaborative skills. Benefits Why join Kuda? At Kuda, our people are the heart of our business, so we prioritise your welfare. We offer a wide range of competitive benefits in areas including but not limited to: 💜A great and upbeat work environment populated by a multinational team 👴Pension 📈Career Development & growth 😁Competitive annual leave plus bank holidays 🎁Competitive paid time off (Parental, Moving day, Birthday, Study leave etc) 💯Group life insurance 💖Medical insurance 🎁Well-fare package (Wedding, Compassionate and etc) ✅ AwardCo. 🏃‍♀️Goalr - employee wellness app 🥇Award winning L&D training 💒 We are advocates of work-life balance, working in a hybrid in office schedule Kuda is proud to be an equal-opportunity employer. We value diversity and anyone seeking employment at Kuda is considered based on merit, qualifications, competence and talent. We don’t regard colour, religion, race, national origin, sexual orientation, ancestry, citizenship, sex, marital or family status, disability, gender, or any other legally protected status. If you have a disability or special need that requires accommodation, please let us know.