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About the role: The Country Finance director (FD) is the on the ground financial owner of EZRA’s regulated micro lending entity in Botswana. This is a hands on, sole charge role. The FD will manage the books and records of the Botswana entity while operating within the policies, controls and reporting cadence set by the Group/ HQ Function Function.  The role is central to running a debt funded lending business. The entity is capitalised in part through institutional borrowing carrying strict financial covenants, so disciplined covenant management, accurate lending reporting and tight liquidity controls are core to the job.  The ideal candidate combines technical accounting depth with commercial judgement and can work as a trusted local partner to a central finance team. Key responsibilities: Entity ownership & financial reporting Own the full accounting cycle for the Botswana entity end to end: general ledger, month-end close, balance sheet integrity, and supporting reconciliations. Prepare accurate and timely statutory and management accounts, reporting into the Group/HQ finance function on the group's cadence in line with group policy. Ensure full compliance with IFRS and internal group reporting standards. Lead local budgeting, forecasting, and financial planning, aligned to group targets. Debt covenant management & lender reporting Actively manage the financial covenants attached to institutional funding lines. monitor headroom, forecast covenant positions forward, and flag risks early. Prepare and submit lender/investor reporting packs accurately and on schedule, including compliance certificates and any borrowing-base or information undertakings. Maintain the discipline and documentation that lenders expect, and serve as the entity's point of contact for funder finance queries. Model the impact of growth, pricing, and portfolio decisions on covenant compliance before commitments are made. Treasury & liquidity management Manage entity cash flow to support lending disbursements and operating expenses. Optimise funding utilisation across available credit lines and group/investor funding. Maintain strong working relationships with local banks and financial partners. Lending & credit finance oversight Monitor loan book performance. Disbursements, collections, and write-offs. Track portfolio quality (PAR, NPL ratios) and recommend corrective actions. Ensure appropriate provisioning and impairment methodologies are applied. Partner with Risk and Credit teams to keep financial and credit strategies aligned. Tax & transfer pricing Own local tax compliance: corporate income tax, VAT/withholding, and all filings and payments for the Botswana entity. Manage transfer pricing for intercompany transactions with the group. Ensure arrangements are documented, defensible, and consistent with group TP policy and local regulations. Maintain transfer pricing documentation and support any related reviews or queries from tax authorities. Coordinate with Group tax/finance on intercompany invoicing, recharges, and settlement. Regulatory compliance & governance Ensure compliance with Botswana financial regulations and applicable fintech/micro-lending laws. Liaise with regulators, tax authorities, and external auditors. Establish and maintain strong internal controls and a sound governance framework for the entity. Own the local audit process and ensure timely resolution of findings. Risk management Identify and manage entity-level financial risks. Particularly credit, liquidity, and operational risk. Implement robust financial controls suited to a high-volume digital lending environment. Support fraud prevention and financial risk mitigation. Technology, data & process Work with product and technology teams to improve financial systems, reconciliation, and reporting. Drive autom