Financial Accountant, Soweto

Who we are Mama Money is a growth-stage fintech on a mission to improve the financial lives of migrants and underserved communities across Africa and beyond. What started in 2015 as a cross‑border payments service has grown into a multi‑product financial platform. We give people the tools to send, save, and manage money – on their own terms, at a socially fair price.

Mama HQ is in beautiful Cape Town, South Africa. We're 150 people strong (and counting), representing 19 countries across Africa, Asia, the UK, and Europe. From remittances to a growing range of financial products, everything we build is in service of people who deserve better. Our culture reflects that same commitment. We look after our team the way we want them to look after our customers. Just be lekker! means we trust our talented, diverse people to do what’s right and make it happen – simply and with heart.

We've earned a few accolades, built lasting partnerships, and grown our reach in ways we're proud of. We've had good times and tough times, but our focus has never shifted. People over profit, always.

As our Financial Accountant you will

Month‑End&Financial Reporting:

Play an active role in the month‑end close process. Process journal entries, review account balances, and ensure everything is accurate and accounted for before the books close.

Treasury&Cash Management:

Collaborate closely with the Treasury team to make sure operational needs and financial planning are well‑aligned. This includes reconciling bank accounts and aggregator statements, a critical function in a business that moves money across multiple corridors and currencies daily.

Expense Management&Business Unit Reporting:

Take ownership of expense allocations across Business Units and Products, ensuring costs are correctly attributed and that the business has a clear view of where money is being spent. In a multi‑product environment like ours, this kind of visibility matters.

Payments&Loan Management:

Assist with payment run approvals and manage the reconciliation of company loans, including capturing inter‑company transactions accurately and time‑sudently.

Process&Compliance:

Assist with embedding and upholding financial processes as the business evolves. Making sure new procedures are properly implemented and consistently followed across the team.

Audit&Tax Support:

Support audit requirements and assist with the preparation of tax returns and supporting schedules, covering VAT, PAYE, Income Tax, STATS SA, and SARB submissions.

Ad‑Hoc Projects:

No two weeks look exactly the same in a growing fintech. You’ll be pulled in various finance‑related projects and initiatives, giving you exposure across the business and the opportunity to make a real impact beyond your core responsibilities.

Qualifications&Experience

Completed Bachelor’s degree in Accounting or related field (BCom Accounting or BCom Financial Accounting)

4+ years of relevant accounting experience, with exposure to month‑end processes, reconciliations and financial reporting

Solid understanding of South African tax compliance– VAT, PAYE, and Income Tax

Proficiency in Xero; experience with additional ERP systems is a bonus

Strong Excel skills: comfortable with large data sets, schedules, and financial analysis

Exposure to a multi‑entity or multi‑currency environment, ideally in fintech or financial services

High attention to detail with the ability to manage competing deadlines in a fast‑paced environment

In your first 90 days at Mama Money you will

Assistance in the accuracy of month‑end preparation

First‑level OPEX review and identification of anomalies, taking initiative to correct them

Assistance to ensure that all tax submissions (monthly, quarterly, bi‑annual and annual) are done on time and support the broader team in ad‑hoc requirements as they arise

About you

Curious and investigative– ask the right questions, dig into detail, and don’t just accept things at face value

Sharp analytical mind and approaches problems with structure and creativity

Thrives in cross‑functional environments and enjoys working toward a shared goal with people across the business

Builds relationships easily and communicates with clarity and confidence– whether engaging with a teammate or a senior stakeholder

Comfortable with ambiguity and energized by the pace of a growing company

Bonus:

Experience in fintech or a scaling startup– you’ll hit the ground running and feel right at home here

Why Mama? At Mama Money, we build products that help people do more with their money, from sending money home to saving to accessing money in ways that feel safe&simple. The work we do matters because it helps real people in real ways every day.

We care about making life easier for our customers. We’re not afraid to give things a go, and we take ownership of what we do. We keep learning, support each other, and stay focused on what matters most.

If you’re looking for meaningful work and a team that cares about what they’re building, Mama Money could be the right place for you.

Mama's values

Making it easier for customers

Give it a go

Just own it

We may use artificial intelligence (AI) tools to support parts of the hiring process, such as reviewing applications, analyzing resumes, or assessing responses. These tools assist our recruitment team but do not replace human judgment. Final hiring decisions are ultimately made by humans. If you would like more information about how your data is processed, please contact us.

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