Kuda is a full service, app-based digital bank. Our mission is to be the go-to bank not just for those living on the African continent, but also for the African diaspora wherever they might live, anywhere in the world. Kuda is free of ridiculous banking charges and great at helping customers budget, spend smartly and save more. We raised the largest seed round ever seen in Africa, and completed a Series A funding round in February 2021, led by some of the world's smartest venture capital investors. With offices in London (our HQ), Lagos and Cape Town, and further offices opening across Africa during 2021, Kuda is fast becoming recognised as the leading 'Neobank' for Africans.

To help us grow into the company that can bring meaningful change to the way people across Africa get access to great financial products and services in order to take control of their personal finances, we are actively looking for bright, talented, driven people who are excited by our mission. If this sounds like a great way to spend your valuable time, then please get in touch with us.

We are recruiting to fill the following positions below:

1.) Product Manager - Business API
2.) Direct Sales Agent
3.) Growth Marketer - Loyalty and Special Projects
4.) Junior Financial Analyst
5.) Senior Product Manager, Credit
6.) IT Audit Lead

Job Title: Product Manager - Business API

Location: Lagos
Category: Product

About the Role

• We are seeking a motivated and detail-oriented Product Manager to support our Business API product at Kuda. As a Product Manager - Business API, you will work closely with the Senior Product Manager and cross-functional teams to ensure our Business API aligns with our overall business objectives and delivers value to our customers.

Responsibilities

• Assist in the development and maintenance of the product roadmap for the Business API, prioritizing features and enhancements based on customer needs, business goals, and technical feasibility.
• Collaborate with engineering, design, and business teams to define and deliver high-quality API products that meet the needs of our customers.
• Conduct market research and analyze customer feedback to inform product decisions and identify opportunities for improvement.
• Assist in defining and tracking key performance metrics to measure the success of our Business API.
• Support the Senior Product Manager in developing go-to-market strategies and driving adoption of our Business API.
• Maintain relationships with key stakeholders, including customers, partners, and internal teams, to gather feedback and ensure alignment.
• Ensure the Business API adheres to industry best practices and standards for security, performance, and scalability.
• Assist in maintaining API documentation and communicating technical changes to customers and internal teams.
• Contribute to the development of a developer- friendly API marketplace to promote discoverability, ease of use, and adoption of our Business API.
• Stay up-to-date with the latest trends and technologies in the API ecosystem and share insights with the team.
• Coordinate with compliance and legal teams to ensure our BusinessAPI and related services comply with regulatory requirements and Kuda's KYB/KYC procedures.

Requirements

• Bachelor's Degree in Computer Science, Engineering, Business, or a related field.
• 2 years of experience in product management, preferably with exposure to API products or developer- facing products.
• Familiarity with API technologies, architectures, and best practices.
• Strong analytical and problem- solving skills, with the ability to make data-driven decisions.
• Excellent communication and collaboration skills, with the ability to work effectively with cross-functional teams.
• Experience with agile development methodologies and tools such as JIRA and Confluence.
• Passion for delivering high-quality products that delight customers and drive business value.

Application Closing Date
Not Specified

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

Job Title: Direct Sales Agent

Location: Lagos
Job type: Contract
Category: Strategy

Role Overview

• As a Direct Sales Agent, you will play a pivotal role in driving Kuda’s growth objectives through proactive sales efforts, effective relationship-building, and unwavering commitment to compliance and customer satisfaction.
• Prospect and generate leads through cold calling, networking, and referrals.
• Actively market Kuda’s array of financial products, including personal & business banking, loans, and POS terminals, to prospective customers within the designated territory.
• Achieve and exceed monthly sales targets by acquiring new customers and expanding customer base through persuasive techniques and a deep understanding of the bank’s offerings.
• Negotiate pricing and terms of sale to close deals and achieve sales targets according to the company's pricing.
• Conduct product demonstrations and presentations to potential clients.
• Ensure thorough compliance with all bank policies and regulatory requirements, including KYC (Know Your Customer) and AML (Anti-Money Laundering).
• Educate potential clients on the benefits of transitioning to electronic banking solutions and ensure their seamless onboarding to our platform.
• Maintain accurate records of all sales activities and customer interactions in CRM software.
• Participate in roadshows, community fairs, and other local events to promote the bank’s services and garner leads.
• Provide feedback to the marketing and product teams on customer experiences and product improvements.
• Understand the needs and requirements of prospective clients and proffer solutions to meet their specific business needs.
• Provide ongoing support to clients, including training and troubleshooting assistance.

Requirements

• Bachelor's degree or HND in Marketing, Business Administration, Finance, or a related field.
• Proven experience as a Direct Sales Agent or similar sales/customer service role; experience in the banking or financial services sector is highly preferred.
• Strong interpersonal and communication skills, with the ability to negotiate and influence potential clients.
• Excellent organizational and time management skills; capable of managing multiple priorities efficiently.
• High motivation, enthusiasm, and dedication to achieving targets.
• Familiarity with digital banking services and mobile technology.

Target and Incentives:

• Monthly sales target to be achieved.
• Incentives and bonuses based on meeting or exceeding sales targets.
• Additional rewards for surpassing performance goals and customer satisfaction metrics.

Probation Duration:

• The first three months of employment will serve as a probationary period for the Sales Agent. Throughout this time, they will participate in training sessions, acquaint themselves with the company's policies and procedures, and showcase their capabilities in achieving sales objectives while providing outstanding customer service.
• Regular evaluations will be carried out to gauge the Sales Agent's performance and determine their eligibility for ongoing employment with the company.

Why Join Kuda?
At Kuda, our people are the heart of our business, so we prioritize your welfare. We offer a wide range of competitive benefits in areas including but not limited to:

• Pension
• Competitive annual leave plus bank holidays
• Group life insurance
• Health insurance
• L&D training
• We are advocates of work-life balance and offer a 3-day-per-week remote working option

Application Closing Date
Not Specified

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

Job Title: Growth Marketer - Loyalty and Special Projects

Location: Lagos
Employment Type: Full time

Job Description

• Kuda is looking for an experienced Growth Marketer who will be responsible for executing acquisition, retargeting and retention campaigns, monitoring campaign performance and analysing data to identify trends.
• This role will focus on loyalty programs and other special projects.

Responsibilities

• Own the growth marketing strategy relating to loyalty, referrals and viral loops with the objective of improving activation and retention of existing customers as well as acquiring new high value customers.
• Lead growth marketing efforts on ad hoc special projects, depending on business need. These are likely to include credit campaigns and operational updates as well as a variety of future projects that may be added to the roadmap.
• Execute acquisition campaigns across multiple digital channels, including paid social, search, programmatic and other relevant channels.
• Develop and execute App Store Optimisation (ASO) strategies across the App Store (Apple) and Google Play Store (Android) to maximise visibility and conversion rate.
• Develop and execute lifecycle marketing campaigns across multiple channels, including email, push notifications, in-app messaging, and other relevant channels.
• Monitor campaign performance and optimise campaigns based on key performance indicators (KPIs) such as conversion rates, user acquisition cost, and retention rates.
• Develop and execute A/B tests to optimize campaign performance and improve the user experience.
• Analyse data to identify trends and opportunities for improvement, and develop and execute campaigns based on data-driven insights.
• Work closely with our marketing and design teams to ensure our campaigns align with our roadmap and user needs.
• Be adaptive to business needs and take on ad hoc projects as required.
• Explore ways to utilize available technology to analyse, optimize and scale growth marketing efforts.
• Stay up-to-date with the latest trends and best practices in growth marketing, and share insights with the rest of the team.

Requirements

• Bachelor's Degree in Marketing / Business Administration, or a related field.
• A minimum of 3 years experience in marketing or a related field.
• Previous experience working on marketing strategies for loyalty programs
• Strong understanding of customer acquisition and retention strategies, as well as some experience in developing and executing marketing campaigns.
• Strong understanding of marketing channels such as paid social, email, push notifications, and other relevant channels.
• Strong analytical skills and an interest in data analysis.
• Excellent communication skills and the ability to work collaboratively with cross-functional teams.
• Knowledge of mobile app analytics tools such as Mixpanel, AppsFlyer (or similar)
• Familiarity with marketing automation tools such Iterable (or similar)
• Passion for marketing and a desire to learn and grow in a fast-paced environment.
• Nice-to-have: experience working for a fintech or gaming app

Benefits:

At Kuda, our people are the heart of our business, so we prioritize your 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
• Career development & growth
• Access to world-class L&D
• We are advocates of work-life balance and offer a 3 day per week remote working option
• Competitive annual leave
• Competitive pension
• Perkbox
• Life assurance
• We are advocates of work-life balance and offer a 3 day per week remote working option

Application Closing Date
Not Specified.

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

Note:

• Kuda are proud to be an equal opportunity employer. We value diversity and anyone seeking employment at Kuda is considered based on merit, qualifications, competence and talent.
• We don’t regard colour, religion, race, national origin, sexual orientation, ancestry, citizenship, sex, marital or family status, disability, gender, or any other legally protected status. If you have a disability or special need that requires accommodation, please let us know.

Job Title: Junior Financial Analyst

Location: Lagos
Employment Type: Full time

Role Overview

• We are looking for a Junior Financial Analyst (based in Lagos) to support the Group Financial Controller (based in Cape Town) by analyzing financial data focusing on SaaS and other operating costs relative to the customer base and revenue, assisting with budgeting, and contributing to the financial reporting processes.

Key Responsibilities

• Reporting to and working closely with the  Group Financial Controller, where your main areas of focus would be maintaining the SaaS management system and all related reporting. There will be benchmarking of various operating costs and preparing common size P&Ls.
• SaaS Management: Working in the SaaS management tool to maintain, update ad and remove licenses. Work with the SaaS owners to prepare renewal packs. Extract and manipulate data from the platform to draw out key insights. Working with IS Admin to ensure all employees' emails are in sync.
• Posting and expensing/amortizing of SaaS costs: working with the AP clerk and financial accountant to ensure that prepaid SaaS costs are correctly recorded and amortized according to usage.
• SaaS cost management and budgeting: Analyzing the cost on a monthly basis identifying cost drivers and building this into the annual budget and forecast.
• Operating cost review: decomposing the entire indirect cost base (excluding workforce planning) to facilitate actual to budget variance analysis. This will form the basis for bottom up budgeting with the department owners.
• Benchmarking of costs: Using common sized P&L and market information to perform cost comparisons across the group.
• Monthly reporting: Preparing monthly reporting packs at department level for actual vs budget analysis.
• GL management: Ensuring that departmental reporting is up to date and that costs are correctly allocated.
• Work Independently: as the role is based in Lagos, the individual will report into Group Financial Controller (based in Cape Town) with the dotted line reporting into local Management.

Requirements

• Bachelors of Accounting and or Finance
• 1 - 3 years Financial Services or regulated business.
• Intermediate to advanced excel/google sheets proficiency.
• Familiar with IFRS
• Working with teams across various geographic jurisdictions
• Strong interpersonal and business partnering skills
• Excellent written and verbal communication
• Knowledge of the SaaS landscape would be advantageous.

Expectations - Key skills and competencies:
Skills:

• Organisation
• Prioritisation
• Time management
• Communication
• Problem-solving
• Creative thinking.

Competencies (Behaviours):

• Relationship building
• Resilience
• Collaboration
• Innovative
• Adaptability
• Attention to Detail
• A self-starting approach
• Accountability.

Benefits
At Kuda, our people are the heart of our business, so we prioritize your 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
• Career development & growth
• Access to world-class L&D
• We are advocates of work-life balance and offer a 3 day per week remote working option
• Competitive annual leave
• Competitive pension
• Perkbox
• Life assurance
• We are advocates of work-life balance and offer a 3 day per week remote working option
• and more…

Application Closing Date
Not Specified.

Method of Application
Interested and qualified candidates should:
Click here to apply online

Note

• Kuda are proud to be an equal opportunity employer. We value diversity and anyone seeking employment at Kuda is considered based on merit, qualifications, competence and talent.
• We don’t regard colour, religion, race, national origin, sexual orientation, ancestry, citizenship, sex, marital or family status, disability, gender, or any other legally protected status.

Job Title: Senior Product Manager, Credit

Location: Lagos
Employment Type: Full time

The Role

• We’re searching for an experienced senior / lead level Product Manager to lead our Product team.
• In this exciting role, you’ll partner with our Engineering, Design, Legal Risk, Compliance, and Operations teams to come up with the roadmap and strategic solutions to the complex challenges of our rapidly growing Credit products.
• Our awesome Product Management team is built on mutual respect, high trust, and high autonomy.
• You'll work with a high-performing, entrepreneurial, and product-focused group of engineers and designers, in a highly collaborative and fun environment.
• In this exciting role, you'll have the opportunity to make a massive impact on the company, the product and most importantly, on the lives and livelihoods of our amazing users!

Responsibilities

• Fully own one of a few of our strategic Credit products
• Understand how the products connect to the company's objectives
• Define, prioritise, and communicate short, mid, and long-term goals for the product portfolio
• Build credit products with world-class customer experiences by understanding the full lifecycle for our customers and internal stakeholders
• Responsible for expanding the product into new markets
• Understand end-customer needs and gather product requirements
• Coordinate resources, and create project timelines, to ensure on-time delivery with the highest quality
• Drive product development by defining the roadmap, and feature stories, and assisting the product team in the delivery phase
• Deliver features and products that will create amazing user experiences and validate these with customers
• Work closely with internal departments such as Legal, Compliance, Risk, Operations, etc.
• While this is an individual contributor role, growing the product area implies the exciting opportunity of stepping up at a certain point to lead a team of product managers in your group

Requirements

• 5+ years of product management experience building consumer web and mobile products (essential)
• 2+ years of experience working with credit/lending products in the Tech space (ideally banking, fintech)
• Experience working with engineering and product teams with agile and lean principles
• Broad knowledge of Credit Risk management and Collections principles
• User-centric design approaches and strong product instincts
• Ability to take a nebulous, vague list of desires & requirements and distill them down into engineering actionable items
• Bias for Execution; you focus on defining the right MVP, making difficult trade-offs, and shipping effective features
• Exceptional Curiosity; you’re unafraid to ask questions, tinker, and learn to help drive product success
• Ability to analyze data from a variety of sources to identify key insights, pinpoint optimization opportunities, and inform product decisions
• Experienced with BI Tools to make data driven decisions.

Benefits
At Kuda, our people are the heart of our business, so we prioritize your welfare. We offer a wide range of competitive benefits in areas including but not limited to:

• Pension
• Competitive annual leave plus bank holidays
• Group life insurance
• Health insurance
• L&D training
• We are advocates of work-life balance and offer a 3 day per week remote working option.

Application Closing Date
Not Specified.

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

Job Title: IT Audit Lead

Location: Lagos
Employment Type: Full-time

Role Overview

• We are looking for an IT Audit Lead to join our team and take responsibility for developing, implementing, monitoring, and reviewing the effectiveness of Kuda’s information security, technological control, and I.T governance systems with a view to safeguarding the assets of the Company.
• It will be your responsibility to support the Head of Internal Audit to assure the Board on the efficiency of IT controls and cybersecurity risk resilience while providing insights on emerging trends in the technological space.

Roles & Responsibilities

• Periodic information control reviews which include system development standards, operating procedures, system security, programming controls, communication controls, backup and disaster recovery, and system maintenance.
• Regular risk assessment of IT infrastructures which include risk analysis & threats assessment, Enterprise security management process, computer and communication security and physical access control among others
• Assess the adequacy of system configuration and change management process, Back-up and Disaster recovery, software development processes, logical access controls
• Designs audit programmes to execute approved audit plan
• Evaluate the adequacy and operating effectiveness of system controls in the organisation
• Coordinates and interacts with staff, external auditors, regulators, and other law enforcement officials as appropriate on IT Audit related issues and may be required to testify in court.
• Conduct operational/ compliance/ financial audits and forensic investigations as assigned
• Monitor’s the Bank’s computer network for possible mismanagement, fraud, and inefficiency
• Ensures that IT audit practices comply with the Bank’s Policies, Procedures, and government regulations
• Institute and execute analytical test for revenue assurance to ensure zero% income leakages
• Monitor developments in the information system and technology space with a view to proactively identify potential risk and recommend mitigants
• Keep abreast of the updates in the global technology world to early identify emerging risks and opportunities that can be domesticated in the Company
• Participate in UATs and change management meetings
• User access management and administration on core application and other applications of the Bank
• Provide timely input into the quarterly Board Audit Committee report
• Track resolution of all audit / control recommendations and ensure compliance within agreed timeline.

Qualifications

• B.Sc. Degree
• IT Certification (e.g. CISA/CISM/CRISC/CICSO)
• Minimum of 5 years experience performing IT Audit/Control functions.

Skills & Experience:

• Proficient in using computer software (e.g., ACL, SQL, Excel) and application systems
• Advanced knowledge of auditing processes/procedures
• Ability to coordinate and perform multiple tasks/projects simultaneously, balancing priorities and deliverables.
• Ability to evaluate business processes and IT technology, identify risks and evaluate controls.
• Ability to translate business needs and problems into viable and accepted solutions.
• Ability to liaise with individuals across a wide variety of operational, functional, and technical disciplines.
• Ability to work well within a team environment and participate in department projects.
• Competent interpersonal skills, demonstrating the ability to lead projects and mentor others.

Application Closing Date
Not Specified.

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