5 Feb 2026

Product Manager, Payments Ops – Settlement, Reconciliation & Partner SLA at Watu Credit Limited

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Job Description

Watu Credit Limited is a dynamic and fast-growing non-bank finance company. Watu Credit Limited harnesses technology to offer unsecured lending, primarily via mobile services. We aim to become the leading African provider of a broad set of inclusive financial products, delivered through technology in a fast, efficient and professional manner.

Product Manager, Payments Ops – Settlement, Reconciliation & Partner SLA

Key responsibilities

Settlement performance and recovery

  • Define settlement cadence and settlement readiness by partner and market
  • Own daily settlement monitoring, delayed payments recovery, and escalation playbooks
  • Drive corrective actions with partners and internal teams to reduce recurring settlement failures
  • Ensure successful payment booking connects to customer outcomes (eg: reloack timestamp updates etc)

Reconciliation operations and exception closure discipline

  • Own reconciliation exception taxonomy, queue workflows, and closure SLAs
  • Drive root-cause tagging and prevention backlog governance
  • Coordinate with Engineering/Data/Build PM to eliminate recurring exception patterns

Partner SLA governance and operational controls

  • Build partner SLA scorecards and run monthly SLA reviews with corrective action plans
  • Enforce operating procedures and escalation discipline for underperformance
  • Maintain partner operational runbooks, escalation matrices, and evidence pack standards (eg: backend logs, etc) for disputes

Payments incidents and customer impact reduction

  • Run the payments incident process: triage, escalation, comms, and postmortems
  • Maintain prevention backlog tracking and ensure closure on permanent fixes
  • Reduce payment-related customer impact through stronger controls, faster detection, and operational hygiene

Ideal background

  • Payments operations experience: settlement, reconciliation, exception management, partner performance governance
  • Strong analytical mindset; comfort with operational scorecards and closure discipline
  • Comfortable owning operational routines and cross-functional escalation
  • Ability to translate operational pain into measurable process and tooling improvements

What we are looking for:

Education level:

  • Bachelor’s degree (Computer science degree preferred) from an accredited institution or equivalent experience with demonstrated proficiency

Experience:

  • Proven experience, 5+ years, in the fintech, telco or equivalent with senior-level engagement and relationship building.
  • A minimum of 5 years’ management experience, having worked across technical, commercial, and customer-facing environments within the technology industry – particularly telcos and fintech.
  • Demonstrated experience in product management, product marketing, partnership management, business development, or related roles with a track record of successfully establishing strategic alliances.


Method of Application

Submit your CV and Application on Company Website : Click Here

Closing Date : February 25, 2026





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