Kuda

Sales

• - 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 trouble shooting assistance.

Direct Sales Agent

Data Analyst

• You will be the go-to person for all matters related to transactional data, working across all business departments to develop a deep understanding of our data structure.
• Ensure Group Finance has access to up-to-date, accurate dashboards and KPIs.
• Maintain our central KPI database, reviewing definitions, and driving the business towards a single source of truth for all financial and operational metrics.
• Support the team with ad-hoc business intelligence analytics to drive strategic decisions.
• Perform end-to-end reconciliation of transactional data across all key systems to ensure 100% data completeness and accuracy.
• Validate that product transaction flows and volumes match financial records.
• Support the migration of transactional data from our legacy systems onto ERP and legacy accounting systems.
• Provide critical support to the Finance team during audits, conducting ad-hoc analysis on revenue recognition, historical manual adjustments, and other data requests.
• Drive data consistency by identifying, explaining, and eliminating manual adjustments, ensuring all processes are automated and auditable.
• Own, maintain, and enhance the central Finance KPI database, establishing it as the single source of truth for Finance, Growth, Product, and other departments.
• Prepare and automate dynamic dashboards for the visual representation of Management Accounts.
• Collaborate with finance leadership to design and build MTD Budget vs. Actuals dashboards for periodic, real-time reporting to the Executive Committee (ExCo).

Data Analyst Lead – Finance

Financial Planning and Analysis

• - Develop and maintain integrated financial models (income statement, balance sheet, and cash flow) to support forecasting, scenario planning, and valuation analyses.
• - Lead the quarterly budgeting and forecasting/reforecasting process, working closely with departments to gather inputs and ensure alignment with company goals.
• - Prepare and analyze monthly and quarterly financial reports, including variance analysis, to identify trends, risks, and opportunities.
• - Provide insightful financial analysis and recommendations to support strategic initiatives, such as new product development, capital expenditures, and business expansion.
• - Conduct scenario analysis and profitability reports to assess the potential impact of different business decisions.
• - Prepare materials for and potentially present financial results to management and investors, board members including presentations and board papers.
• - Support the development and tracking of key performance indicators (KPIs) to monitor business performance.
• - Respond to ad-hoc requests for financial analysis and reporting from various stakeholders across the organization.
• - Contribute to improvements in budgeting and forecasting methodologies and processes.
• - Share the experience and mentor the Junior Corporate Financial Analyst.

Financial Analyst – Lead

Product Manager

• The Head of Product, Credit will lead Kuda’s Credit tribe, driving the strategy, execution, and continuous improvement of all lending-related products and initiatives.
• This role focuses on building reliable, scalable, and compliant credit solutions that deliver measurable business impact and exceptional customer experiences.
• You’ll own the tribe’s roadmap, delivery, and performance, ensuring decisions are data-driven and aligned with Kuda’s broader strategic and financial goals.
• You’ll also play a key role in building and developing a strong product team, fostering collaboration and accountability across stakeholders.
• Delivery & Execution
• Lead tribe planning and QBRs, ensuring alignment, clarity, and dependency management.
• Champion thin-slice, iterative delivery focused on measurable outcomes.
• Provide consistent visibility to leadership through metrics, progress updates, and proactive risk management.
• Data & Experimentation
• Promote a culture of data-driven decision-making, establishing strong experimentation and measurement practices.
• Ensure squads have the insights, analytics, and tools needed for effective prioritisation.
• Product Quality, Risk & Compliance
• Ensure all products meet regulatory, compliance, and security requirements.
• Embed standards for reliability, performance, accessibility, and localisation into delivery practices.
• People Leadership & Organisation Building
• Hire, coach, and develop Product Managers across multiple levels.
• Foster a culture of clarity, focus, and ownership of outcomes.
• Define and uphold high standards for product discovery, delivery, and communication craft.
• Day-to-Day Collaboration
• With BLO: Align product strategy with business objectives and financial targets.
• With DM/TLs: Manage capacity, technical debt, and sustainable delivery practices.
• With Other Tribe Leads: Coordinate dependencies and shared initiatives.
• With Compliance, Legal, Marketing, and CX: Ensure alignment across customer, regulatory, and commercial goals.

Head of Product – Credit

• Define and own the Platform tribe strategy and roadmap, integrating business goals, regulatory needs, and market dynamics.
• Prioritise investments that improve system reliability, cost efficiency, and scalability while enabling new business opportunities.
• Set and communicate SMART goals (OKRs) to align teams and stakeholders.
• Lead tribe planning and QBRs, managing alignment and dependencies across tribes.
• Champion thin-slice, iterative delivery with measurable impact.
• Provide proactive visibility to leadership and stakeholders on roadmap progress, risks, and key decisions.
• Establish standards for system reliability, uptime, and performance, tracking SLA targets.
• Ensure compliance with card scheme rules, payment regulations, and data protection requirements.
• Drive automation and tooling that reduce operational friction and enhance efficiency.
• Use financial analytics to optimise ROI, cost-to-serve, and scalability.
• Analyse vendor costs, transaction volumes, reconciliation gaps, and efficiency gains to inform priorities.
• Apply cohort analysis to identify internal adoption trends and guide smarter platform investment.
• Hire, coach, and develop Product Managers with strong infrastructure and financial services instincts.
• Influence stakeholders by simplifying complex technical concepts into clear business narratives.
• Foster an inclusive, collaborative culture where teams feel empowered to contribute and own outcomes.
• Lead structural enhancements to Kuda’s infrastructure that benefit multiple business areas.
• Oversee transformation initiatives in core processes (ledger, payments, tooling) to increase efficiency.
• Act as a role model for learning, continuous improvement, and accountability.
• Collaborate with BLO (Platform): align on efficiency, uptime, and cost-reduction objectives.
• Collaborate with DM/TLs: plan capacity, define SLAs, and deliver roadmap initiatives.
• Collaborate with Other Tribes: manage dependencies for payment flows, ledger, and tooling access.
• Collaborate with Risk, Compliance, Legal, Finance: ensure audit readiness, reconciliation integrity, and regulatory compliance.
• Collaborate with Vendors: manage partnerships, SLAs, and integrations with card schemes, processors, and banking providers.

Head of Product – Platforms

• Analyze portfolio performance metrics to identify trends, risks, and opportunities
• Review and refine credit policies, including rule-based decision engines
• Build and maintain profit and loss forecasts to guide strategic decisions
• Conduct credit limit assignment and affordability assessments
• Perform score cut-off analysis to improve approval and risk strategies
• Monitor and enhance collection strategies based on customer segmentation and outcomes
• Design and run A/B tests to assess and optimize lending and collections performance
• Communicate actionable insights and recommendations to senior stakeholders

Data Analyst – Credit

Marketing

• Lead the go-to-market (GTM) strategy for all new product launches, ensuring clear positioning, messaging, and multi-channel campaigns
• Own the lifecycle marketing strategy (email, push, in-app), mapping user journeys and defining experimentation strategies to drive activation, feature adoption, retention, and reactivation
• Lead and mentor a team of four people with scope to grow, covering product marketing and CRM execution, setting clear goals and creating development opportunities
• Collaborate with Product, Performance Marketing, Brand & Comms, and Customer Experience to ensure customers are at the heart of all GTM and lifecycle plans
• Conduct and oversee market research, customer interviews, and competitor analysis to uncover insights and shape messaging
• Translate product features into customer value, creating compelling communications across all touchpoints
• Manage tooling (e.g. Iterable) and processes to ensure lifecycle campaigns are data-driven, measurable and optimised
• Partner with Product and BI & Analytics teams to surface behavioural events and user attributes in the CRM platform - enabling timely, personalized communications, and robust segmentation
• Define and report on KPIs such as activation, retention, churn reduction, NPS, and feature adoption
• Act as the voice of the customer in leadership discussions, ensuring product and marketing strategies align with customer needs