Background

Swift Digital Finance is a technology-driven digital lending institution operating in Malawi, providing fast, accessible, and responsible credit solutions through digital platforms. The institution is committed to financial inclusion, innovation, strong governance, and prudent risk management while delivering sustainable value to customers and stakeholders.

Swift Digital Finance invites applications from suitably qualified, mature, and results-driven Malawian professionals with strong ethical standards and hands-on experience to fill the following vacant position.

Job Description

To provide leadership in enterprise risk management and regulatory compliance, ensuring that Swift Digital Finance operates within approved risk appetite while supporting strategic growth, digital lending operations, and innovation.

Key Duties and Responsibilities

• Assist in the implementation and monitoring of the institution’s risk management policies, procedures, and internal controls
• Support the identification, assessment, and monitoring of key risks, including credit risk, fraud risk, operational risk, technology risk, and data privacy risk
• Maintain risk registers, compliance checklists, and Key Risk Indicator (KRI) reports for review by Management
• Monitor adherence to approved risk limits and internal policies and escalate breaches or irregularities as required
• Support the preparation and submission of regulatory and compliance reports to the Reserve Bank of Malawi and other relevant authorities
• Conduct routine compliance checks and internal reviews to ensure adherence to laws, regulations, internal policies, and procedures
• Assist in reviewing operational processes and recommend improvements to reduce risk exposure
• Support the implementation of fraud prevention, control, and incident reporting mechanisms
• Participate in staff awareness initiatives on compliance, risk, and ethical conduct
• Maintain proper documentation and records relating to risk management and compliance activities
• Support internal and external audits and follow up on audit findings and corrective actions
• Perform any other duties assigned in support of the Risk and Compliance function

Qualifications and Experience

• Bachelor’s Degree in Accounting, Finance, Economics, Business Administration, Risk Management, or a related field.
• Minimum of 2 years work experience in risk management, compliance, internal control, or audit within a financial institution, fintech, microfinance, or banking environment
• Professional qualification or progress toward ICAM, ACCA, CIMA, CIA, or a related certification will be an added advantage
• Knowledge of financial services regulations and Reserve Bank of Malawi directives
• Basic understanding of digital lending operations and credit processes
• Strong attention to detail, integrity, and analytical skills
• Ability to prepare clear reports and maintain accurate records

What We Offer

• The chance to build something from the ground up that has real social impact.
• Full exposure to digital lending innovation in Malawi.
• Competitive compensation based on experience.
• Potential to grow into a Product or Technical Lead role.

• Assist in the implementation and monitoring of the institution’s risk management policies, procedures, and internal controls
• Support the identification, assessment, and monitoring of key risks, including credit risk, fraud risk, operational risk, technology risk, and data privacy risk
• Maintain risk registers, compliance checklists, and Key Risk Indicator (KRI) reports for review by Management
• Monitor adherence to approved risk limits and internal policies and escalate breaches or irregularities as required
• Support the preparation and submission of regulatory and compliance reports to the Reserve Bank of Malawi and other relevant authorities
• Conduct routine compliance checks and internal reviews to ensure adherence to laws, regulations, internal policies, and procedures
• Assist in reviewing operational processes and recommend improvements to reduce risk exposure
• Support the implementation of fraud prevention, control, and incident reporting mechanisms
• Participate in staff awareness initiatives on compliance, risk, and ethical conduct
• Maintain proper documentation and records relating to risk management and compliance activities
• Support internal and external audits and follow up on audit findings and corrective actions
• Perform any other duties assigned in support of the Risk and Compliance function

• Strong attention to detail
• Integrity
• Analytical skills
• Ability to prepare clear reports
• Maintain accurate records

• Bachelor’s Degree in Accounting, Finance, Economics, Business Administration, Risk Management, or a related field.
• Professional qualification or progress toward ICAM, ACCA, CIMA, CIA, or a related certification will be an added advantage
• Knowledge of financial services regulations and Reserve Bank of Malawi directives
• Basic understanding of digital lending operations and credit processes