Unifi is a fast-growing finance and technology company operating in Zambia. Unifi delivers personal lending products through mobile phone and branch channels. The company is well supported by strong shareholders and a board of directors with vast experience in entrepreneurship and lending. 

Unifi is recruiting a new member of the audit team to help keep controls tight even as the company

expands into new markets. The ideal candidate must balance analytical diligence with a willingness to learn and innovate. A healthy spirit of adventure and sense of humour would be helpful.

Learn more about Unifi at:

www.unifi.credit/about

Responsibilities:

• Contribute to the developing and implementing an annual audit plan.
• Plan and execute internal audits as per audit plan, including determining audit objectives and scope, identifying and assessing risks.
• Develop audit programs, and ensure compliance with internal audit work paper standards for each audit.
• Identify all significant control weaknesses and appropriately communicate these weaknesses to management timeously.
• Prepare reports containing observations, comments and recommendations based on carried out work.
• Present findings at audit meetings.
• Ensure the ongoing monitoring of management's corrective action plans until resolution.
• Identify the need for follow-up audits based on risks identified during an internal audit and maintain the audit plan.
• Monitor and investigate cash variances for all branches daily.
• Provide input into Manco monthly reports to reflect internal audit activities and outcomes. 
• Monitors appropriate measures for the prevention of fraud and elimination of conditions inductive to fraudulent actions.
• Assist in developing & implementing a whistle-blower hotline.
• Perform any other tasks as required.

Scope but not limited to

•  Operational audits

• Ongoing audit of areas vulnerable to operational fraud

• Unusual loan account transactions
• Branch cash-out instances
• Expense abuse

• Cash variance checking

• End of day variances: investigate, keep track, make findings
• Monthly cash counts

• Client sampling – phone 10-20 clients per week to test transaction validity

• Financial audits

• Audit implementation of accounting policies
• Loan book reconciliation
• Expense authorisations / legitimacy audit
• Clearing accounts reconciliations review
• Banking rights / recipients audit
• Inspect processed journals

• Compliance audits

• Regulatory compliance

Qualifications & Requirements:

• Bachelor's degree in Internal Audit, Finance, Accounting, or a related field; advanced degree or professional certification (e.g., CIA) is preferred.
• 4 -7 years of experience in auditing role 
• Experience in the banking and financial services environment will be an advantage.
• Ability to travel across Africa
• Knowledge of internal audit principles, standards, internal control environment
• Knowledge of relevant laws, regulations, and industry best practices is advantageous
• Understanding of Financial Crime and Compliance legislation, compliance procedures and standards
• Focus on improving the effectiveness of risk management, control, and governance processes
• Ability to work independently and collaboratively in a fast-paced environment, meeting deadlines.
• Strong analytical and problem-solving skills
• Excellent communication and interpersonal skills,