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PremierCredit Zambia Limited | Lusaka

PremierCredit Zambia Limited

Innovating the future of tech solutions in Zambia.

Job Description

PremierCredit (eShandi) is Zambia’s leading and fastest growing International financial technology (fintech) company operating in emerging markets in Southern Africa. The company operates an online microlending and payments platform for small businesses and individuals, making financial services inclusive, accessible and affordable.

As part of our expansion plan, we are inviting applications from suitably qualified, experienced, ambitious and self-motivated individuals to apply for the positions:

1. INTERNAL CONTROLS MANAGER

JOB BRIEF

The Internal Controls Manager is responsible for designing, implementing, and managing eShandi’s internal control framework to ensure operational efficiency, regulatory compliance, and risk mitigation across PremierCredit Zambia Limited and its subsidiaries. This includes overseeing all business functions such as lending, payments, merchant services, embedded finance, cards, remittances, and IT-related processes. The role ensures that effective controls are integrated into daily operations, maintaining adherence to both regulatory standards and internal policies.

Key Duties and Responsibilities:

· Develop, document and maintain eShandi’s Internal Control policies and procedures in line with Bank of Zambia requirements, COSO principles and internal governance structures.

· Integrate control mechanisms into operational processes across all products and services.

· Conduct risk assessments to identify and address control weaknesses in business operations.

· Perform periodic testing and monitoring of operational, financial and IT-related controls.

· Review reconciliation processes for POS, ATM, cards, payments and remittance transactions.

· Track resolution of control deficiencies and ensure timely follow-up.

· Implement preventative and detective controls to minimize fraud, financial loss and operational disruptions.

· Maintain segregation of duties across operational processes to reduce conflict-of-interest risks.

· Ensure compliance with BoZ directives, AML/CFT regulations, Data Protection Act and other relevant laws.

· Work with Compliance, Risk and IT teams to ensure alignment with operational control requirements.

Qualifications:

· Bachelor’s degree in Accounting, Finance, Business Administration, Risk Management, or related field.

· Certifications (preferred): CPA, ACCA, CIA, CRMA, or CISA.

· Minimum 5 years in internal controls, operational risk, or audit — ideally in financial services, fintech, or banking.

· Solid understanding of payment systems, lending operations and IT system controls.

2. HEAD OF INTERNAL AUDIT

JOB BRIEF

The Head of Internal Audit will provide independent, objective assurance and consulting services aimed at enhancing the overall operations of eShandi. This role will assess and improve the effectiveness of risk management, internal controls, governance, and compliance with regulatory requirements across PremierCredit Zambia Limited and all its subsidiaries. The role will help ensure operational integrity and alignment with industry best practices.

Direct Reports:

Financial & Operations Audit Manager

IT & Systems Audit Manager

Key Duties and Responsibilities:

· Develop and implement a risk-based internal audit plan aligned with business strategy and regulatory expectations.

· Advise the Board Audit Committee on emerging risks audit findings and recommended actions.

· Ensure compliance with BoZ, FIC, SEC, PCI DSS, Data Protection, AML/CFT and cross-border payment regulations.

· Oversee operational, financial, IT and compliance audits across all eShandi entities.

· Monitor resolution of audit findings and track corrective action implementation.

· Oversee adherence to internal policies and industry best practices.

· Partner with Risk & Compliance to ensure early identification and mitigation of   key risks.

· Present quarterly audit reports to the Board Audit Committee.

· Liaise with external auditors and regulators on audit-related matters.

Qualifications:

· Bachelor’s in Accounting, Finance, Business, or related field; CIA, CPA, ACCA, CISA preferred.

· 10+ years’ experience in internal audit, with at least 5 years in senior leadership in fintech, banking, or financial services.

· Strong understanding of digital payments, lending operations, IT systems and cybersecurity.

· Risk-based auditing, regulatory compliance, leadership, influencing senior stakeholders, data analytics for audit.

3. FINANCIAL & OPERATIONS AUDIT MANAGER

JOB BRIEF

The Financial & Operations Audit Manager will lead financial and operational audits to ensure the integrity, efficiency, and compliance of eShandi’s core financial and business processes across PremierCredit Zambia Limited and all its subsidiaries. This role will evaluate key operational areas, assess internal controls, and ensure alignment with regulatory standards and company policies to drive operational excellence.

Key Duties and Responsibilities:

· Develop and execute risk-based audit programs for finance, operations and lending.

· Conduct audits of loan origination, credit management, collections, merchant services and agency banking.

· Assess adequacy of internal controls over accounting, treasury, procurement and revenue recognition.

· Verify compliance with IFRS, BoZ and tax regulations.

· Prepare audit reports with findings, risk ratings and actionable recommendations.

· Monitor implementation of agreed corrective measures.

· Conduct special investigations into suspected fraud or financial irregularities.

· Work with IT Audit Manager to assess end-to-end process risks, especially where tech integrates with financial operations.

Qualifications:

· Bachelor’s degree in Accounting, Finance, or Business Administration; CPA/ACCA an advantage.

· 5–7 years’ experience in internal audit, financial services, or banking operations.

· Solid knowledge of microfinance/fintech operations and transaction cycles.

· Process review, forensic audit techniques, financial statement analysis, strong report writing.

4 . I.T & SYSTEM AUDIT MANAGER

JOB BRIEF

The IT & Systems Audit Manager will lead audits of eShandi’s IT infrastructure, applications, and information security controls across PremierCredit Zambia Limited and all its subsidiaries. This role will ensure the confidentiality, integrity, and availability of systems that support financial services, assessing internal controls to safeguard eShandi’s technology environment and ensure compliance with industry standards and regulatory requirements.

Key Duties and Responsibilities:

·  Conduct audits of core banking systems, payment gateways, POS/ATM networks, APIs and cloud infrastructure.

· Review PCI DSS compliance for card issuance/acquiring and data protection compliance.

·  Assess access controls, change management, disaster recovery and business continuity plans.

·  Identify vulnerabilities and recommend improvements to mitigate cyber risks.

· Audit embedded finance integrations, mobile apps and merchant portals for security and data accuracy.

· Work with Financial & Operational Audit Manager to ensure tech-driven processes meet control objectives.

· Stay updated on fintech security threats, fraud trends and IT audit best practices.

Qualifications:

· Bachelor’s in Computer Science, Information Systems, or related field; CISA, CISM, or CISSP preferred.

·  5–7 years’ experience in IT audit, preferably in banking, fintech, or payments.

· Strong understanding of digital payment systems, APIs, mobile money platforms and cybersecurity frameworks.

· Risk-based IT auditing, vulnerability assessment, incident investigation, blockchain/digital asset security (advantage).

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