Sun. Aug 14th, 2022

Carbon is a pan-African digital bank with a mission to provide friction-free finance to its customers. Carbon promises to play a fundamental role in its customers’ lives wherever they are, with flexible solutions. We pride ourselves on our efficiency and with just $10mm of equity raised in 2015, we have disbursed over $100m in loans and earned more than $30mm in revenue over the last 2 years. Carbon has operations in Ghana, Kenya, and Nigeria, supported by a talented team spread between Lagos, Nairobi, London, Argentina, and Palo Alto so we operate with a remote-first mindset.

We are recruiting to fill the position below:



Job Title: Card Operations Officer

Location: Nigeria
Department: Loan Processing
Employment Type: Full-Time

About the Role

  • We are looking for a passionate and self-driven candidate who can take up the role of a card operations officer in our Payments unit.

Key  Responsibilities

  • Analysis of customer dispute letters, logging of card disputes, review of affidavit of fraud, and other documents received from Card Members including Visa/MasterCard/ Amex.
  • Review, analyze, and resolve chargeback disputes (ATM, POS & WEB) efficiently and accurately.
  • Process re-presentment for a successful transaction to avoid merchant position being debited.
  • Ensure proper reconciliation of merchant account in the case of purchase reversal.
  • Follow up with issuing bank or acquirer to ensure recovery of fund claim deflated to system acceptance or re-presentment processed with an invalid document.
  • Follow-up on issues and Change Requests on cards.
  • Daily liaison with processors and issuing/acquiring banks
  • Good knowledge of settlements and reconciliation of card payments
  • Understanding of card billings
  • Liaise with processors and VISA on card related issues
  •  Handle settlement complaints (Shortages and Non-settlement).
  • Reconcile all POS Accounts/WEB transactions against merchants. Settlement, Reconciliation, and Dispute Management.
  • Ensure daily settlement of transactions on Visa, Master Card, and Verve
  • Execute all card maintenance requests like expiration, pin number, address modification, and loss
  • Review of charges to ensure no income leakages
  • Provide Customer success support and resolve problems regarding card related issues
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  • BSc or HND in any discipline
  • Must be articulate and possess the ability to communicate with patience and empathy
  • Familiar with the use of DMS, DRS, VISA online, Masterconnect, Fimi, Microsoft  Excel, etc
  • Analytical and good communication skills
  • Minimum of 2 years working experience in cards and mobile payments, fully integrated into all aspects of settlement and daily reconciliation process.
  • Previous experience in Dispute resolution

Behavioral Competencies for the Job:

  • P – Passionate – You are passionate about what you do. You know what you need to know about your job and are willing to work hard to go after it, even if it means making more than a few sacrifices along the way.
  • R – Resourceful – You have a track record of getting things done. You’re organized and responsive. You take ownership of every idea you touch and execute it to a fine level of detail. You set targets and does whatever it takes to get the job done
  • I – Intelligent – Having the ability to learn things quickly or deal with new or difficult situations.
  • M – Maverick – You are a problem solver. You think out of the box and get outside the box solution.
  • E – Executor- You get the work done. You are flexible and ready to get everything done effectively, quickly, and affordably with the resources at hand.
  • D – Data-Driven- When making decisions, you don’t rely on your intuition alone. You collect data, you analyze it, and make decisions with clear justifications.


  • At Carbon, People are the heart of the business, so we prioritize their welfare. We offer a wide range of competitive benefits in areas including but not limited to;
  • A great and upbeat work environment populated by a multinational team.
  • Health Insurance.
  • Life Insurance
  • Career development & Growth.
  • We are advocates of work-life balance and offer a remote working option.
  • Potential to work in different geographies.
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How to Apply
Interested and qualified candidates should:
Click here to apply





Job Title: Senior iOS Engineer

Location: Nigeria
Department: Technology
Employment Type: Full-Time


  • We are looking for a passionate, career-driven Senior IOS Developer to join our team.
  • This is a great opportunity to gain significant and substantial experience.


  • Drive the direction of the mobile applications in the company to deliver robust, secure, and efficient experiences to make our customers happy.
  • Build up best practices around iOS development, design patterns, code reviews, and training.
  • Work with the Quality Assurance team to troubleshoot and resolve issues.
  • Design and develop our iOS mobile applications across all Apple devices.
  • Produce technical designs and lead developers during development.


  • B.Sc / M.Sc Degree in Computer Science, Engineering or a related subject.
  • Experience building native apps in iOS using Swift (mandatory).
  • Demonstrate strong analytical and problem-solving skills.
  • Working knowledge of the general mobile landscape, architectures, trends, and emerging technologies.
  • Solid understanding of the full software development life cycle.
  • Fast-paced and able to work to deadlines.
  • Experience working with Unit / UI test frameworks
  • At least 4 years of software development experience and iOS development skills.
  • Must have published multiple original iOS apps to the App Store.
  • Experience with iOS design patterns and Firebase SDKs.
  • Experience and a strong understanding of APIs and remote data via REST and JSON.

The following are optional but will enhance your chances of being selected:

  • Knowledge of at least one backend programming language
  • Ability to work with UX prototyping tools like Figma, Adobe XD, InvisionApp, etc
  • Agile Development experience.
  • Prior experience working with financial applications
  • Experience with Swift UI, Combine or RxSwift
  • Knowledge of GIT.
  • Test-Driven Development, Continuous Integration, and/or other automated testing skills.
  • Overall software development experience of 5+ years.
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  • A great and upbeat work environment populated by a multinational team.
  • Potential to work in different geographies.
  • Health Insurance.
  • Life Insurance
  • Career development & Growth.
  • We are advocates of work-life balance and offer a remote working option.



How to Apply
Interested and qualified candidates should:
Click here to apply

Recruitment process

  • Call with People team
  • Case Study ( Assessment)
  • Interview





we are an equal opportunity employer and is committed to building a diverse workforce. While all applications will be acknowledged.
• We reserves the right to select one or more candidates from this vacancy announcement
• We may also retain applications and consider candidates applying to this post for other similar positions at the same grade level and with similar job description, experience and educational requirements
• Qualified female candidates are strongly encouraged to apply
• Scam Warning:
We do not charge any application, processing, training, interviewing, testing or other fee in connection with the application or recruitment process. Should you receive a solicitation for the payment of a fee, please disregard it.
• Furthermore, please note that emblems, logos, names and addresses are easily copied and reproduced.
• Therefore, you are advised to apply particular care when submitting personal information on the web
• Only shortlisted candidates will be invited for interview or the next stage of the recruitment process.

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