Core Banking Officer

Job Description

• The role is responsible for supporting, managing, optimizing, and driving the Bank’s Core Banking operations, digital banking integrations, and system administration within a fintech-driven digital microfinance bank.
• The successful candidate will play a critical role in establishing and managing the Bank’s Core Banking structure from inception, ensuring the stability, security, efficiency, and scalability of all banking system operations while supporting seamless digital banking services across multiple channels.
• The role requires a highly technical, analytical, and solution-driven professional with strong experience in Core Banking systems, digital banking operations, payment integrations, transaction processing, system administration, user support, reconciliation support, and banking technology operations within banking, fintech, or financial services environments.
• The ideal candidate must possess strong understanding of digital banking ecosystems, API integrations, transaction workflows, settlement processes, banking operations, system configurations, user management, and fintech infrastructure while being capable of independently building operational structures, processes, controls, and support frameworks from the ground up.

Responsibilities
Core Banking System Administration:

• Manage and administer the Bank’s Core Banking Application and related platforms.
• Configure banking products, customer parameters, GL mappings, workflows, and transaction rules within the Core Banking System.
• Support onboarding and setup of savings accounts, current accounts, fixed deposits, loans, wallets, and other banking products.
• Maintain system parameters, user profiles, approval workflows, and access controls.
• Ensure system uptime, stability, reliability, and operational efficiency.

Core Banking Structure & Process Development:

• Support the establishment of the Bank’s Core Banking operational structure from inception.
• Develop SOPs, operational guidelines, process documentation, and system support frameworks.
• Establish operational controls and governance processes around Core Banking activities.
• Design scalable support processes for digital banking operations and transaction management.
• Collaborate with Management in building a technology-driven banking operation framework.

Digital Banking & Payment Integration Support:

• Support integration of digital banking channels including mobile banking, internet banking, USSD, POS, cards, payment gateways, and wallets.
• Monitor transaction flows across all banking channels and payment systems.
• Liaise with payment switches, aggregators, card processors, and technology vendors.
• Support API integrations between the Core Banking System and third-party platforms.
• Ensure seamless transaction processing across all customer touchpoints.

Transaction Monitoring & Operational Support:

• Monitor daily banking transactions and system activities.
• Identify, escalate, and resolve transaction failures, reversals, pending transactions, and processing issues.
• Support reconciliation processes between the Core Banking platform and partner channels.
• Ensure accurate posting of customer transactions and ledger balances.
• Support resolution of customer complaints relating to banking transactions and system-related issues.

Core Banking Operations & Product Support:

• Support setup and management of loan products, repayment structures, interest configurations, and repayment schedules.
• Support fixed deposit configurations, maturity instructions, liquidation processes, and interest applications.
• Manage savings and current account product configurations.
• Support teller operations and transaction processing activities within the Core Banking environment.
• Ensure operational efficiency across all banking products and services.

System Testing & Change Management:

• Participate in system testing, upgrades, deployments, and release management activities.
• Conduct User Acceptance Testing (UAT) for new features, integrations, and enhancements.
• Ensure proper documentation of system changes and deployments.
• Collaborate with Technology and Product teams during implementation projects.
• Support migration activities and process automation initiatives.

Data Management & Reporting:

• Generate operational, financial, and transaction reports from the Core Banking platform.
• Support MIS reporting, regulatory reporting, and operational analytics.
• Monitor transaction trends, system performance, and operational metrics.
• Ensure data accuracy, integrity, and completeness within banking systems.
• Support audit requests and data extraction requirements.

Risk, Compliance & Security Management:

• Ensure compliance with CBN guidelines, NDIC requirements, and internal operational policies.
• Maintain proper maker-checker controls and user access governance.
• Monitor suspicious transactions and escalate operational irregularities where necessary.
• Support implementation of cybersecurity, data protection, and operational risk controls.
• Ensure audit readiness and proper system documentation.

Vendor & Stakeholder Management:

• Liaise with Core Banking vendors, payment partners, and technology service providers.
• Coordinate issue resolution and system support activities with external partners.
• Monitor vendor SLAs and service delivery performance.
• Collaborate with Operations, Treasury, Finance, Risk, Compliance, and Product teams to support banking operations.

Department Setup & Operational Leadership:

• Support the establishment of the Bank’s Core Banking support and administration framework from the ground up.
• Contribute to process automation, operational efficiency, and digital transformation initiatives.
• Assist in building scalable operational structures for future growth.
• Provide technical guidance and operational support across departments.
• Serve as a key technology operations resource within the Bank.

Requirements
Education:

• Bachelor’s Degree in Computer Science, Information Technology, Banking, Finance, Engineering, or related discipline.
• Relevant professional certifications or Core Banking certifications will be an added advantage.

Experience:

• 4–7 years experience in Core Banking Operations, Banking Technology, Digital Banking Support, or Financial Services Technology.
• Strong experience working with Core Banking Applications within banking or fintech environments.
• Experience supporting digital banking channels, payment systems, and transaction platforms.
• Strong understanding of banking operations, transaction processing, and reconciliation workflows.
• Experience with APIs, payment integrations, and digital financial systems.
• Experience in microfinance banking, fintech, digital banking, or commercial banking environments is highly desirable.
• Experience working in startup or fast-growth financial institutions is an added advantage.
• Strong understanding of CBN operational requirements and banking system controls.

Other Requirements:

• Strong problem-solving and troubleshooting capability.
• High level of integrity, accountability, and attention to detail.
• Strong technical and operational mindset.
• Ability to work independently with minimal supervision.
• Strong communication and stakeholder management skills.
• Ability to thrive in a fast-paced startup environment.
• Must be proactive, structured, and capable of helping build scalable banking technology operations from the ground up.

Skills:

• Core Banking System Administration
• Digital Banking Operations
• Banking Application Support
• Payment & API Integrations
• Transaction Processing & Monitoring
• Fixed Deposit & Loan System Configuration
• Reconciliation Support
• User Access Management
• Banking Operations Support
• SQL & Database Knowledge
• Digital Payment Systems
• System Testing & UAT
• Data Analysis & Reporting
• Process Documentation
• Problem Solving & Troubleshooting
• Regulatory Compliance
• Strong Analytical & Technical Skills

Application Closing Date
12th June, 2026.

How to Apply
Interested and qualified candidates should send their CV to:  View email address on hotnigerianjobs.com using “Core Banking Officer” as the subject of the email.

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