About Bede
Bede, a Zain Fintech company launched in Sudan in April 2025, is dedicated to delivering innovative and secure digital financial solutions that enhance financial accessibility and convenience for individuals, businesses, and institutions. Through its digital wallet and expanding fintech ecosystem, the company provides integrated payment, transfer, and merchant services across Sudan. At Zain Fintech, we are committed to building trusted, accessible, and customer-centric financial solutions that contribute to the digital transformation and financial inclusion of Sudan.
Position Information
Division:Finance
Department/Section: Finance
Job Title: FinTech Financial Operations Manager
Reports To:Head of Finance
About the Role
To oversee the end-to-end financial operations and revenue assurance framework, ensuring accurate processing of fintech transactions, effective reconciliation and settlement management, revenue leakage prevention, compliance with regulatory and internal control requirements, and the delivery of financial insights that enhance operational efficiency and profitability.
Key Tasks/Accountabilities
* Lead and oversee all payment operations, transaction processing, settlements, and reconciliations across digital financial services.
* Ensure the timely and accurate execution of wallet, merchant, bill payment, remittance, and other FinTech transactions.
* Monitor daily all wallet payments across all levels (customers, merchants, banks, billers, etc.) and all key transactions cash IN / Out/ merchant payments/ bill payments
* Ensure timely resolution of issues to do with the transmission of data between the bank and the wallet platform.
* Identify any errors or reconciliation discrepancy, understanding their origin and rectifying them.
* Generate management report at the end of day for wallet activity.
* Provide an update to relevant internal and external stakeholders (e.g. master agents).
* Monitor end-to-end transaction flows and resolve operational issues affecting service delivery.
* Ensure operational readiness and support for new products, services, and ecosystem partnerships.
* Manage relationships with banks, payment service providers, switch operators, merchants, agents, and other financial partners.
* Oversee daily reconciliation of transactions, customer funds, settlement accounts, and partner balances.
* Ensure timely settlement of financial obligations with merchants, agents, banks, and strategic partners.
* Investigate and resolve reconciliation breaks, settlement discrepancies, and unmatched transactions.
* Establish robust reconciliation controls and exception management processes.
* Revenue Assurance.
* Develop and manage the Revenue Assurance framework across all products, services, and channels.
* Monitor revenue-generating transactions to ensure completeness, accuracy, and timely revenue realization.
* Validate fees, commissions, tariffs, revenue-sharing arrangements, and pricing configurations.
* Identify, investigate, and recover revenue leakages, billing errors, and financial losses.
* Conduct revenue assurance reviews and root-cause analyses to strengthen controls and prevent recurrence.
* Establish and maintain operational controls to mitigate transaction errors, operational losses, and fraud risks.
* Ensure customer funds are accurately managed and safeguarded in compliance with regulatory requirements.
* Monitor operational risk indicators and implement corrective actions where required.
* Support AML/CFT controls, transaction monitoring, and regulatory compliance activities.
* Performance Monitoring & Reporting.
* Monitor transaction success rates, settlement accuracy, reconciliation performance, and revenue assurance metrics.
* Develop operational and revenue assurance dashboards and management reports.
* Analyze transaction trends and operational performance to identify improvement opportunities.
* Provide recommendations to improve operational efficiency, profitability, and customer experience.
* Process Improvement & Automation.
* Drive automation of settlements, reconciliations, commission calculations, and revenue monitoring processes.
* Enhance system controls and operational workflows to improve scalability and efficiency.
* Collaborate with Product, Technology, Risk, and Finance teams to optimize operational processes.
* Lead and develop Financial Operations and Revenue Assurance teams.
* Establish KPIs, service standards, and operational controls.
* Promote a culture of accountability, operational excellence, continuous improvement, and revenue protection.
* Ensure safeguarding and segregation of customer funds in accordance with regulatory requirements.
* Monitor transaction success rates, failed transactions, reversals, chargebacks, and dispute resolution activities.
* Identify and recover revenue leakage arising from system, process, pricing, or settlement failures.
* Conduct performance reviews, provide ongoing feedback, and support employee development and capability-building initiatives.
* Lead, coach, and develop the operations team, ensuring high performance, technical competencies, and adherence to operational standards.
* Ensure compliance with all applicable policies & regulatory requirements in information security.
Qualifications/Experience/Skills
Qualifications/Experience: -
- Bachelor’s degree (B.Sc.) in finance, Accounting, Banking, Business Administration, Economics, Information Systems, or a related field.
- Professional certification (ACCA, CPA, CMA, CIMA, or equivalent) is an advantage.
- Minimum 5 years of experience in FinTech, digital payments, banking operations, financial operations, or revenue assurance.
- At least 3 years of leadership experience managing payment operations, settlements, reconciliations, or revenue assurance functions.
- Strong knowledge of digital payments, mobile wallets, settlements, reconciliations, revenue assurance, and financial controls.
- Experience working with banks, payment service providers, merchants, and digital financial services platforms.
- Knowledge of AML/CFT requirements, operational risk management, and regulatory compliance within the financial services sector.
- Proven ability to lead teams, drive process improvements, and implement operational controls in a high-volume transaction environment.
Skills: -
- Presentation skills.
- Planning and organizing skills.
- Coaching skills
- Problem Solving and analytical thinking
- Able to persuade and influence senior manager and employee levels.
- Leadership and management skills.
- Conflict handling skills
- Highly developed communication skills (verbal and written) in both Arabic and English.
- Highly developed skills in use of relevant IT packages including Excel. Word, PowerPoint etc.
- Highly developed reporting skills, metrics, and analytics, including dashboard creation for executive leadership and board reporting.
- Ability to build excellent relationships with key stakeholders/customers.
- Project Management skills.
- Change management.
