Who We Are

_able is transforming financial services in emerging markets with its best-in-class Digital Banking Platform. We help partners launch financial products by embedding them into digital channels their customers already use.

The foundation of the platform is grounded in data and informs everything we do: from credit scoring to marketing segmentation and everything in between. Building on this strong foundation, we’ve structured the platform around three key layers:

• API Integration Layer: Seamless connectivity for partners to integrate core systems.
• Module Layer: Flexible, customizable components tailored to partner needs.
• Services Layer: Expertise to manage financial products, including portfolio management, scoring, and communications.

This approach enables us to embed credit and savings products into any partner channel, making them easy to access and highly contextual. The benefit is that our platform can cater to a wide range of use cases:

• MNOs can deploy efficient loan and savings systems optimized for their channels.
• Fintechs can offer tailored financial services to their unique customer base.
• Banks can create new revenue streams and enhance customer loyalty without overhauling their core systems.

The result is a win-win-win for partners, customers, and _able. Having deployed across multiple markets in Africa, we’ve proven our platform meets a critical need and is driving us toward our core objectives:

1. Democratizing financial services by reaching over 500 million people.
2. Becoming the most trusted source of data in emerging markets.

The Role

As the Senior Reconciliation Specialist, you will lead end-to-end reconciliation activities across multiple products, currencies, and markets (Africa and GCC), ensuring accuracy, compliance, and operational integrity across our financial ecosystem. You will own the reconciliation framework, drive automation initiatives, and proactively manage risk across high-volume transactions.

This role requires deep technical expertise, strong analytical ability, and the maturity to collaborate with cross-functional teams, external partners, payment providers, banks, and regulators across regions. You will play a critical role in strengthening our financial controls and supporting decision-making at the leadership level.

Position title: Senior Reconciliation Specialist

Reports to: Head of Finance

Coverage: UAE (HQ), Kenya, Tanzania, and Uganda + other new markets

Base: India, Kenya, UAE

Travel: Required
 

Key Responsibilities

Reconciliation Leadership & Ownership

• Lead and oversee daily product, balance, and settlement reconciliations across multiple markets and currencies.
• Design, maintain, and improve reconciliation SOPs, documentation, and audit trails.

Advanced Product & Balance Reconciliations

• Execute and review complex product-level reconciliations, ensuring accuracy in high-volume fintech transaction flows (wallet, payments, cards, lending, collections, settlement).
• Perform detailed balance reconciliations post-transaction matching, ensuring ledger integrity and financial accuracy.

Exception & Mismatch Management

• Lead discrepancy investigations, ensuring root cause analysis and complete resolution within defined SLAs.
• Oversee system uploads and handling of mismatches, ensuring correctness, completeness, and traceability.
• Escalate systemic issues and recommend corrective actions to product, tech, finance, and risk teams.

Controls, Compliance & Governance

• Conduct daily internal system checks, ensuring adherence to controls, audit readiness, and early detection of anomalies.
• Support internal/external audits, regulatory reviews, and compliance reporting for UAE and Africa markets.
• Ensure proper handling of sensitive financial information in line with data protection requirements.

Stakeholder & Partner Management

• Serve as the primary contact point for reconciliation matters with product teams, payment partners, issuing/acquiring banks, and fintech providers.
• Resolve queries from partners promptly and maintain high-quality communication and escalation discipline.
• Work with engineering teams to enhance reconciliation tools, automation, dashboards, and reporting.

Continuous Improvement & Strategic Input

• Identify process gaps and propose workflow enhancements, automation opportunities, and system improvements.
• Contribute insights to risk management, finance strategy, and operational optimization.
• Support additional tasks and projects that contribute to operational excellence.

Person Specification

Required

• 5–7+ years hands-on experience in reconciliation, financial operations, fintech transaction processing, or settlement operations.
• Strong exposure to multi-currency, cross-border, high-volume fintech environments.
• Experience working with different financial partners (Africa and Middle East, PSPs, banks) or regulators (advantageous).
• Strong proficiency in Excel, data SQL tools, and financial reporting systems.
• Familiarity with ERP systems, reconciliation software, or payment systems (e.g., Mambu, T24, Oracle, Stripe, Network International, Mastercard/Visa settlement tools).
• Ability to interpret API logs, transaction files, and structured/unstructured data (added advantage).

Key Competencies

• Exceptional attention to detail with a high bar for accuracy and completeness.
• Strong analytical and problem-solving skills with a proactive, ownership mindset.
• Excellent written and verbal communication; able to manage diverse stakeholders across Credable operational markets.
• Team player who can collaborate across Finance, Tech, Product, Risk, and Operations.
• High integrity and appropriate handling of confidential and sensitive information.

Culture

At _able, we are a fast-paced, high-performing team driven by a shared passion for building the future of banking and democratising access to finance across emerging markets. Our team operates across offices in Dubai, Nairobi, Dar es Salaam, Kampala, Maputo, and Porto, with frequent travel to strengthen connections with colleagues and partners.

We value the impact of working together in person, believing it often delivers results that remote work cannot fully achieve. While work-from-home (WFH) is available for specific requests or situations, our culture emphasises the advantages of being physically present and engaged as a team.

We are entering an exciting phase of hyper-growth, expanding into new markets, scaling operations, and evolving our structures to shape the future of _able in 2026. We are looking for energetic, curious individuals who are passionate about our vision and eager to create value while driving innovation and growth in the markets we operate in. 

We’re thrilled to have you join us as we reshape the financial landscape in emerging markets.

Benefits

• Health Insurance for you and your direct dependants
• Group Bonus Policy
• Long-Term Incentive Plan (LTIP)
• Mental Health and Wellbeing Platform
• Learning & Development Opportunities (Internal and External)