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Chief Operations Officer

Person Specification

• Reports to: Chief Executive Officer
• Coverage: UAE (HQ), Kenya, Tanzania, and Uganda + other new markets
• Base: Nairobi, Kenya (flexible)
• Travel: Yes, extensive travel regionally particularly to East Africa in the short-term

Purpose

The Chief Operations Officer’s responsibilities will include leading and managing the day-to- day operations of Credable across all markets, executing the strategy of Credable, providing input to the founding team, be the first line of contact for clients, lead the country teams, be responsible for country P&Ls, and be involved in market and product R&D. The COO will work closely with the Chief Executive Officer to create the internal / external processes that Credable will carry-forward on its growth journey.

Key Duties

Contract / project implementation

• Overall project management and execution responsibility over the implementation of client contracts and solutions, including:
• Managing technical integrations, working closely with the technology team
• Managing contracting terms and the construction of business cases, working closely with the Chief Financial Officer
• Being accountable for product and country P&L targets and deliverables
• Understanding customer requirements and ensuring they are reflected in the solution delivered, working closely with the Head of Product.
• Support in the development of the “Go To Market” planning and execution for new contracts, working closely with partners, and Credable's CEO & commercial team.

Client management & support

• Overall responsibility over the smooth day-to-day running of Credable's customer operations including:
• Providing first level support for partners, working together with the technology team
• Providing customer value management support to Credable's partners, working closely with the Head of Data
• Ensuring all regulatory requirements to enable Credable's partnerships are in-force and in compliance
• Work to onboard new clients through the sales cycle.

Internal operations management:

• Working with the CEO to create a high achieving and effective team working seamlessly across functions
• Assist in drafting company OKRs and KPIs that help drive the business further and be responsible for Operations and Market KPIs
• Build and maintain internal dashboards for reporting purposes of all key metrics and markets
• Build, improve and maintain internal operational processes
• Develop and document business processes and internal policies to maintain and strengthen internal best practices
• Develop and document product policies, implement them with partners, and always improve and maintain policies, inline with KPIs and market regulations
• Build strong documentation internally to ensure all key information is accessible, structured and actionable.

Professional Qualifications & Attributes

• Bachelor's degree in Commerce, Finance, Business Administration or other related field.
• Africa experience is strongly preferred.
• 8+ years experience in operations or consulting.
• Experience working with third-party tools - Freshdesk, Intercom, Zapier, Notion etc.
• Proficient in the use of Microsoft Excel and PowerPoint.
• Strong preference for experience in the fintech space and specifically in digital banking / lending products.
• Understanding and experience in the Mobile Money Ecosystem in East Africa is an advantage.

The Ideal Candidate Will Be a Leader Who Demonstrates

• Practical, hardworking, hands-on results oriented manager with the ability to achieve high quality results.
• Strong leadership, people management, planning and organizing skills.
• Ability to work effectively with third parties and B2B partners
• Understanding of technology, software and database systems
• A relentless pursuit to build for scale with the smallest possible headcount and least possible opex and capex
• Highly self-aware of strengths and weaknesses and embraces failure as an opportunity for learning and growth
• Intuitive thinker who can marry the big picture with the details and apply a rational, data-driven approach to problem solving
• Be emotionally intelligent, humble and excited to work within a team with a diverse set of experiences, backgrounds, and skills.

Data Engineer

Person Specification

• Reports to: Chief Financial Officer / Head of Data & Analytics
• Coverage: UAE (HQ), Kenya, Tanzania, and Uganda + other new markets
• Base: Nairobi, Kenya / Dubai, UAE
• Limited travel but may be required

Purpose

We are looking for a Data Engineer to join our Data Team as we continue to build out our Credit Scoring Capabilities and Data Analytics functions. We are looking for someone who is obsessed with data and understands how it can be transformational in the products that customers can access the decision making power it holds. Someone who is passionate about designing and maintaining scalable data pipelines.

The successful candidate will be responsible for designing, building, and maintaining the data infrastructure required for our credit scoring models. The Data Engineer will collaborate with our data science and software engineering teams to ensure that our data pipeline is efficient, scalable, and reliable.

Key Duties

Contract / project implementation

• Design, build, and maintain the data infrastructure required for our credit scoring models.
• Collaborate with data science and software engineering teams to ensure that data is collected, processed, and stored efficiently.
• Identify and implement ways to improve the performance and reliability of the data pipeline
• Ensure that data quality is maintained throughout the data pipeline
• Develop and maintain data models that support our credit scoring models
• Develop and maintain ETL workflows that extract data from various sources, transform it, and load it into our data warehouse
• Optimize queries and data processing algorithms to improve performance
• Design and maintain data security and privacy policies
• Monitor and troubleshoot data pipeline issues
• Identify opportunities for data acquisition
• Develop analytical tools, programs and reports
• Deliver updates to stakeholders based on analytics
• Stay up-to-date with new technologies and trends in data engineering

Professional Qualifications & Attributes

• Bachelor's degree in Computer Science, Software Engineering, or a related field
• Minimum of 5 years of experience in data engineering
• Proficiency in SQL and experience with relational databases such as MySQL or PostgreSQL
• Experience with Big Data technologies such as Hadoop, Spark, or Kafka
• Familiarity with data modeling and ETL processes
• Strong programming skills in Python, Java, or Scala
• Excellent communication and collaboration skills
• Familiarity with cloud platforms such as AWS or Azure is a plus
• Knowledge of credit scoring models and regulations is a plus

The Ideal Candidate Will Be a Leader Who Demonstrates

• Practical, hardworking, hands-on results oriented manager with the ability to achieve high quality results.
• Ability to work effectively with third parties.

Data Scientist

Person Specification

• Reports to: Chief Financial Officer / Head of Data & Analytics
• Coverage: UAE (HQ), Kenya, Tanzania, and Uganda + other new markets
• Base: Nairobi, Kenya / Dubai, UAE
• Travel: Limited travel but may be required

Purpose

We are looking for a Data Scientist to join our Data Team as we continue to build out our Credit Scoring Capabilities and Data Analytics functions. We are looking for someone who is highly analytical and detail-oriented Data Scientist who is passionate about building and maintaining credit risk models. Someone who is obsessed with data and understands how it can be transformational in the products that customers can access the decision-making power it holds.

Someone who is passionate about designing and maintaining scalable data pipelines. The successful candidate will be responsible for building and maintaining credit risk models, developing predictive analytics, and conducting data analysis to identify insights that drive our business forward.

Key Duties

Contract / project implementation

• Work with 3rd party partners on credit scoring, modeling and evaluation of portfolio of lending products
• Develop credit risk models using statistical and machine learning techniques
• Analyze credit data to identify patterns and trends that inform our credit decision-making process
• Collaborate with our data engineering and software engineering teams to ensure that data is collected, processed, and stored efficiently
• Develop predictive models for credit risk assessment, fraud detection, and other business use cases
• Monitor and analyze the performance of credit risk models, and make recommendations for improvement
• Develop and maintain data dashboards and reports to communicate insights to stakeholders
• Stay up-to-date with new technologies and trends in data science and credit scoring

Professional Qualifications & Attributes

• Master's degree in Computer Science, Statistics, Mathematics, or a related field
• Minimum of 5 years of experience in data science or a related field
• Strong proficiency in programming languages such as Python or R
• Experience with statistical and machine learning techniques such as logistic regression, decision trees, and random forests
• Experience with data visualization tools such as Tableau or PowerBI
• Knowledge of credit risk models and regulations
• Excellent communication and collaboration skills
• Experience with cloud platforms such as AWS or Azure is a plus
• Proficient in Microsoft Excel and Powerpoint.

The Ideal Candidate Will Be a Leader Who Demonstrates

• Practical, hardworking, hands-on results oriented manager with the ability to achieve high quality results.
• Ability to work effectively with third parties.

Head Accountant

Person Specification

• Reports to: Chief Financial Officer
• Coverage: UAE (HQ), Kenya, Tanzania, and Uganda + other new markets
• Base: Dubai, UAE
• Travel: Limited travel but may be required

Purpose

The Head Account will provide best-practice financial support to the business to help the company execute against its goals and will play a pivotal role in implementing the company’s finance strategy. The ideal candidate will have over 5 years of experience with in-depth knowledge of IFRS reporting standards and account reconciliation. The position will report to the Chief Finance Officer and will manage a finance department covering the Group’s operations internationally.

Key Duties

Contract / project implementation

• Control routine accounting which includes maintenance of proper books of accounts.
• Ensure accurate and timely reconciliation of accounts to account for Credable's revenue across its operations (Credable operates on a revenue-share model with its B2B partners and hence accurate and timely reconciliation is mission-critical).
• Preparation and maintenance of financial statements across the Group including consolidation at the Group level.
• Managing overheads within the agreed budgets and working out savings plan where possible.
• Implementing accounting policies and reporting in line with the company's accounting standards and reporting requirements.
• Ensuring accurate and timely reporting of financial activities and maintaining validity and completeness of records in line with IFRS rules, policies and procedures.
• Internal reporting and analysis and early warning to management.
• Enforcement of the integrity of reporting through the audit process.
• Ensuring treasury is set up and functions in accordance with the company's policies, while minimizing interest, costs and optimizing foreign exchange exposure.
• Implementing procedures and recommending system changes that facilitate accurate and timely completion of treasury transactions.
• Ensuring accurate and timely tax compliance and tax planning.
• Ensuring statutory compliance and timely filing of all company returns.
• Manage the team of auditors and responsible for leading the annual audit for the company.

Professional Qualifications & Attributes

• Bachelor’s degree in Commerce, Finance, Business Administration or other related field.
• Regional experience in emerging markets is preferred 
• Must be a CPA (K), Chartered Accountant or related qualification. 
• Over 5 years’ experience in reputed organizations in the field of Finance and Accounts. 
• Strong preference for experience in the fintech space and specifically in digital banking / lending products.
• Proficient in Microsoft Excel and Powerpoint.

The Ideal Candidate Will Be a Leader Who Demonstrates

• Practical, hardworking, hands-on results oriented manager with the ability to achieve high quality results. 
• Strong leadership, people management, planning and organizing skills. 
• Ability to work effectively with third parties (particularly banks). 
• Knowledge of finance, accounting, budgeting, and cost control principles, including International Financial Reporting Standards (IFRS).
• A relentless pursuit to build for scale with the smallest possible headcount and least possible opex and capex;
• Highly self-aware of strengths and weaknesses and embraces failure as an opportunity for learning and growth;
• Intuitive thinker who can marry the big picture with the details and apply a rational, data-driven approach to problem solving;
• Be emotionally intelligent, humble and excited to work within a team with a diverse set of experiences, backgrounds, and skills.

Head of Data & Analytics

Person Specification

• Reports to: Chief Financial Officer
• Coverage: UAE (HQ), Kenya, Tanzania, and Uganda + other new markets
• Base: Dubai, UAE or Nairobi, Kenya
• Travel: Yes (c. 50% of the time)

What we are looking for

We are looking for a Head of Data to Lead our Data Team as we continue to build out our Credit Scoring Capabilities and Data Analytics functions. We are looking for someone who is obsessed with data and understands how it can be transformational in the products that customers can access and the decision making power it holds.

Leading the Data Science, Credit Scoring and Data Analytics efforts of Credable, that would include building internal data management, analytical capabilities, credit scoring and risk management capabilities across all markets. The HOD will be responsible for building, end-to-end, the internal credit scoring capabilities of Credable across its digital banking product portfolio, leveraging data analytics and commercial knowledge.

The HOD will be responsible for overseeing the credit risk management of all products launched by Credable and will also be responsible for building the internal team, capabilities and technical infrastructure to achieve this.

What does the role involve

A Head of Data that is Credit focused, preferably with a digital lending background. Must have experience in credit risk analysis and scoring in digital lending, using structured and unstructured data. Over the next 12 months the individual would be focused on enhancing Credable’s Scoring capabilities for its products ranging from short term loans and device financing for MNOs, to SME lending reporting to the CFO. This Job would have exposure across multiple markets across the continent and multiple industries.

Key Duties

Contract / project implementation

• The Head of Data and Analytics will be in charge of overseeing the larger Data and Analytics department that will be built over time. They will oversee the development of internal credit scoring capabilities, credit scorecards, new data analytics capabilities across the business and manage on-going comprehensive data analytics.
• The Head of Data and Analytics, provides the Data and Analytics department with vision for business-wide data activities and champions for data ownership, standardization, accessibility, and governance. The Head of Data & Analytics is tasked with availing an environment that makes data and information accessible to all departments and personnel across the business.
• Theyalso regulate how the business captures, maintains, and presents data and information on a global level in order to measure performance.
• It is also the role of the Head of Data and Analytics to manage the lifecycle of data and information in order to comply with the business’s requirements.
• The Head of Data & Analytics will also be responsible for creating value from data flowing through Credable’s technology stack and platform.
• The Head of Data Analytics also determines how best to leverage data assets that support the business’s strategy. 
• The Head of Data and Analytics plays an analytical role where he defines and drives all analytics and business intelligence initiatives in the Data and Analytics department. The Head of Data and Analytics defines appropriate analytical models necessary to support use cases such as customer segmentation, among others and leverages the power of predictive insights and analytics.
• The Head of Data and Analytics works towards enabling stellar business performance by utilizing not only the data already available to the business, but also tapping into new and innovative sources of data. In this capacity, the Head of Data and Analytics is tasked with providing the data analytics infrastructure that support and achieves operational business goals and targets, has the capacity and capability to develop and implement tools for visualization and data analysis, and is able to provide insight to the CEO on behavior, risk, and performance of products deployed to clients and used by customers.
• The Head of Data and Analytics works closely with business’s IT leadership responsible for data analytics, custodianship, and infrastructure ensuring alignment with the Data and Analytics department avoiding conflicting activities, and availing the most efficient data analytics insights across the business.
• Head of Data and Analytics acts as an authority within the Data and Analytics department, promoting the use of industry leading trends and new data management technologies. They are also responsible for finding data analytic opportunities for the business and ensuring data and information compliance with the business policy and external legal requirements.
• The Head of Data and Analytics would be the key point of contact with 3rd party scoring partners, as well as clients providing data.
• The Head of Data and Analytics should have practical capability to develop score cards, and risk strategies.
• The Head of Data and Analytics should be able to use diverse sources of data to strengthen the score card, including MNO Data, CRB Data, Social and other Digital Data.
• Overseeing the collection, storage, management, quality, and protection of data.
• Hire and manage data teams including data officers, data developers and data scientists.
• Working with the CTO to define data pipeline technology stack, optimizing for speed, collaboration, security, and scale.
• Set a data acquisition strategy that includes data procurement, data generation, and data partnerships with partner organizations.
• Generate, align, and standardize data models used across Credable and its partner organizations.
• Develop standards, policies and practices for internal data storing and sharing
• Identify and establish mechanisms to gather and source alternative data, including competitor’s data for benchmarking and product improvement.
• Develop capabilities for Data Model development
• Responsible for applying data governance framework including the management of data, operating model, data policies and standards as well as the application of clearly defined data management definitions for use across the Data Office
• Monitoring data quality process, identifying data quality issue patterns, applying remediation plans, implementation of data controls, and managing data quality remediation strategies.

Professional Qualifications & Attributes

• Masters degree or PHD in Computer Science, Data Science, Management Information Systems, Statistics & Analytics or any other related field. 
• 8+ years experience in credit scoring, senior data analytics or data science position.
• Strong preference for experience in fintech, AI-engine development and credit analysis/scoring.
• Knowledge of how to create and apply accurate algorithms to datasets in order to find solutions .
• Knowledge of relevant applications, big data solutions, and tools.
• Knowledge of business intelligence tools and data visualization software like Tableau, Google Data Studio, Microsoft Power BI
• Knowledge of and experience with reporting packages (Business Objects etc), databases (SQL etc), programming (XML, Javascript, or ETL frameworks).
• Proven track record in operating large data governance programs. Knowledge of Cloud based big data frameworks such as data lake, relational, Graph and other no-SQL databases
• Technical proficiency regarding database design development, data models, techniques for data mining, and segmentation.
• Knowledge of industry leading data quality and data protection management practices
• Knowledge of data governance practices, business and technology issues related to management of enterprise information assets and approaches related to data protection.
• Knowledge of risk data architecture and technology solutions
• Experience in quantitative analysis, advanced mathematics, statistics, economics or computer science.

The Ideal Candidate Will Be a Leader Who Demonstrates

• Strong leadership, people management, planning and organizing skills. 
• Ability to work effectively with third parties and B2B partners 
• A relentless pursuit to build for scale with the smallest possible headcount and least possible opex and capex;
• Highly self-aware of strengths and weaknesses and embraces failure as an opportunity for learning and growth;
• Intuitive thinker who can marry the big picture with the details and apply a rational, data-driven approach to problem solving
• Be emotionally intelligent, humble and excited to work within a team with a diverse set of experiences, backgrounds, and skills.

Country Head - Nigeria

Person Specification

• Reports to: CEO / COO / EXCOM
• Coverage: Nigeria
• Base: Lagos, Nigeria
• Travel: Nigeria primarily with travel to HQ and other markets as may be required

Purpose

Heading Credable’s presence and operations in Nigeria. Responsible for country and product P&L, product launches and performance. Responsible for representing Credable in Nigeria and maintaining and building Credable’s relationships and partnerships across the country with channel partners (such as MNOs, fintechs, eCommerce businesses) and financial institutions (namely banks).

Key Duties

Contract / project implementation

• Overall project management and execution responsibility over the implementation of client contracts and solutions, including:
1. Managing technical integrations, working closely with the technology team;
2. Managing contracting terms and the construction of business cases, working closely with the Chief Financial Officer; 
3. Being accountable for product and country P&L targets and deliverables;
4. Understanding customer requirements and ensuring they are reflected in the solution delivered, working closely with the Head of Product.
• Support in the development of the “Go To Market” planning and execution for new contracts, working closely with partners, and Credable’s EXCO.

Client management & support

• Building and growing Credable’s relationships in Nigeria with both channel partners and financial institutions 
• Overall responsibility over the smooth day-to-day running of Credable’s customer operations including:
1. Providing first level support for partners, working together with the technology team;
2. Providing customer value management support to Credable’s partners, working closely with the Head of Data;
3. Ensuring all regulatory requirements to enable Credable’s partnerships are in-force and in compliance.
• Work to onboard new clients through the sales cycle.

Professional Qualifications & Attributes

• Bachelor’s degree in Commerce, Finance, Business Administration or other related field.
• 5+ years experience in operations or consulting.

The Ideal Candidate Will Be a Leader Who Demonstrates

• Practical, hardworking, hands-on results oriented manager with the ability to achieve high quality results. 
• Strong leadership, people management, planning and organizing skills. 
• Ability to work effectively with third parties and B2B partners 
• Understanding of technology, software and database systems
• A relentless pursuit to build for scale with the smallest possible headcount and least possible opex and capex;
• Highly self-aware of strengths and weaknesses and embraces failure as an opportunity for learning and growth;
• Intuitive thinker who can marry the big picture with the details and apply a rational, data-driven approach to problem solving;
• Be emotionally intelligent, humble and excited to work within a team with a diverse set of experiences, backgrounds, and skills.

Product Manager - Kenya

Person Specification

• Reports to: Head of Product / COO
• Coverage: Kenya, Uganda, Tanzania
• Base: Nairobi, Kenya
• Travel: East Africa primarily with travel to HQ and other markets as may be required

Purpose

Responsible for leading and driving the vision, strategy, business requirements, roadmap, and execution of the company’s new and existing products in order to deliver a best-in-class acceptance offering and pleasurable journey for Credable’s customers across its offering.

Key Duties

Research and Analysis

• Carry out market research on a regular basis to ensure we maintain a competitive edge 
• Disseminate key learnings to team members to inform opportunities for improvement

Product Scope and Delivery

• Lead the Product delivery and growth for Credable products in Kenya.
• Advocate and defend product changes using qualitative and quantitative data
• Create Product Requirement documents and get internal approval for implementation. 
• Manage all aspects of the project with Credable Partners including Telco’s, FinTech’s and Banks. Interacting with their internal teams to ensure timely delivery of products. 

Product Growth

• Own the P&L responsibilities of the product and the achievement of KPIs based on budgeted figures and the business plan.
• Drive initiatives to drive uptake of the product in collaboration with our Partners.

Relationships

• Build, maintain and grow relationships with key stakeholders for the product including to but not limited to the telco, and bank.
• Be the team champion to ensure team alignment, advocate product and be the subject matter expert for our internal tools

Reporting

• Share weekly reports on product delivery progress and / or performance across all channels with internal and external teams.

Professional Qualifications & Attributes

• Bachelor’s degree in Commerce, Finance, Business Administration or other related field.
• 3+ years experience in operations or consulting.
• 1-3 years product experience preferably in a fintech. 

The Ideal Candidate Will Be a Leader Who Demonstrates

• Excellent analytical and problem-solving skills with experience product delivery
• Effective communicator that can listen, surface timely questions as well as motivate others
• Curiosity and knowledge of technical and product innovation and trends
• Ability to organize, prioritize and handle multiple time-sensitive tasks in a demanding environment working with cross functional teams. 
• Have a ‘Customer First’ attitude.

Senior Developer

Person Specification

• Reports to: Chief Technology Officer
• Coverage: UAE (HQ), Kenya, Tanzania, and Uganda + other new markets
• Base: Dubai, UAE / Nairobi, Kenya / (flexible)
• Travel: Yes, extensive travel regionally particularly to East Africa in the short-term

Purpose

The Senior Developer will work with the development team to develop software solutions using Java, PHP, MySQL,HTML and JavaScript framework of the designated project and requirement.

This position requires knowledge of relational database and be able to rely on experience and judgment to plan and accomplish goals. This position requires knowledge working on HTML5, CSS3, JavaScript’s, Jquery, JSON and XML/XSLT.

You will be required to provide development and maintenance services to new and ongoing development projects and deployed services and solutions.

Key Duties

• Report to the Head of Technology and support in implementing team-wide best practices
• Able to engineer and plan new products.
• Be able to pitch new products for development, spin-off or investment.
• Be able to future-proof the company and its projects.
• Set direction and be the lead architect on all projects where required.
• Interact with software systems engineer or other technical leader to understand subsystem and component specifications and recommend changes to facilitate efficient and effective development
• Attends to both business and technical considerations when designing solutions to project/team or company related issues
• Support management of the team’s technical infrastructure (e.g., repository, build system, testing system) under guidance.
• Develop and maintain code to a high standard within IT development and maintenance projects
• Audit existing developments for integrity, learnings and development quality.
• Troubleshoot and problem-solve support issues as they arise.
• Provide accurate estimates for development work in conjunction with the other departments within the designated project.
• Perform unit testing of work.
• Write documentation and comment code as required.
• Ensure code is properly version- controlled
• Understand code releases cycles and versioning
• Be on call for support requests as required.

Professional Qualifications & Attributes

• At least 5+ Years of programming experience with Java, PHP,XHTML/CSS/JavaScript/AJAX/XML/JSON
• Ideal candidates should understand object-oriented development, and apply OO concepts to everything they do.
• Experience of the full software development lifecycle from requirement gathering and functional specification
• Understanding of Web technology and environments
• Candidate should be familiar with features in PHP
• Candidate should be familiar with modern database management systems such as MySQL
• Experience with restful JSON-based communication
• Good knowledge of system security vulnerabilities and remediation techniques
• Good knowledge of network architectures, protocols, and standards
• Experience working in a team-oriented, collaborative environment.
• Organised, Resourceful, Confident, proactive self-starter.
• Able to work independently and within a Project team.
• Ability to think laterally to solve problems
• Be an excellent communicator, both written and oral
• Ability to work under pressure
• Minimum of a Bachelor’s degree in Computer Science or related field.
• Minimum 5 years’ experience

The Ideal Candidate Will Be a Leader Who Demonstrates

• UX Design experience
• Web Services - Experience building modern web services
• Social App Development - Experience in building social sites or apps (Facebook, etc.)
• Knowledge of Android/iOS platforms.
• Understanding of MVC design patterns and frameworks
• Front-end development knowledge including Responsive web design.
• Good understanding of the organisation’s products and services
• Understanding and comfort in Agile/Scrum driven development