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Kifiya Financial Technologies
Position1:Director of Invoice Financing & Cashflow Solutions
Job Summary:
The Director of Invoice Financing & Cashflow Solutions will lead all strategic, operational, and product-related functions within a fast-growing technology company specializing in invoice financing solutions. This role involves shaping the vision, setting the roadmap, driving innovation, and ensuring sustainable growth for the company’s core financing products. The ideal candidate will combine a deep knowledge of financial services (particularly invoice financing, factoring, and supply chain finance) with a proven track record of leadership in a technology-driven environment.
The director is responsible for leading and scaling a portfolio of working capital products focused on receivables and transaction-backed financing. The role carries full P&L ownership and oversees strategy, product related functions, credit execution, and institutional partnerships. The director will drive adoption, portfolio performance, and operational efficiency through anchor-based financing models and embedded credit workflows.
Key Responsibilities
1. Strategic Leadership
- Develop and execute the company’s overall strategy for invoice financing solutions in alignment with the broader organizational goals.
- Identify and assess new market opportunities, driving product expansion and innovation.
2. Product Management & Innovation
- Oversee the product roadmap for entire cashflow solutions & invoice financing offerings, ensuring continuous improvement and differentiation in the marketplace.
- Collaborate closely with engineering, data, and design teams to deliver user-centric and regulatory-compliant products.
3. Operational Excellence
- Establish and maintain robust processes for underwriting, risk assessment, fraud prevention, and collection strategies.
- Ensure operational efficiency, including the implementation of scalable systems and process automation to support high-growth environments.
4. Credit Execution & Risk Oversight
- Oversee credit workflows, underwriting, exposure limits, and risk monitoring.
- Ensure policy alignment with group credit operations and risk analytics.
5. Regulatory & Compliance Oversight
- Stay current on relevant regulations (e.g., KYC/AML requirements, lending regulations) to mitigate risk and protect the company’s reputation.
- Implement strict compliance procedures, policies, and reporting practices in partnership with the legal and compliance teams.
6. Team Building & Leadership
- Recruit, manage, and mentor a high-performing team responsible for product development, underwriting, operations, and partnerships.
- Foster a collaborative, results-oriented culture within cross-functional teams.
7. Partnership & Stakeholder Management
- Build and manage strategic relationships with anchor institutions, including corporates, government entities, and development partners, to drive adoption of receivables-based financing.
- Coordinate with financial institutions, fintech partners, and procurement platforms to embed credit offerings within relevant channels.
- Represent the business unit in external engagements, including industry events, regulatory discussions, and strategic partner forums.
- Ensure that partner expectations are aligned with financing structures, operational processes, and risk protocols.
8. Financial Performance & Reporting
- Develop and manage budgetary plans for the division, reporting on key financial metrics to the executive team and the board.
- Drive profitability, revenue growth, and high customer satisfaction, ensuring targets and KPIs are consistently met or exceeded.
9. Market Analysis & Competitive Intelligence
- Monitor market trends, competitor activities, and technological advancements, making data-driven recommendations for future product and strategy initiatives.
- Conduct regular portfolio analyses, measuring the effectiveness of risk models, pricing strategies, and return on investment.
Education:
- Bachelor’s degree in finance, Business, Economics, or a related field. MBA or advanced degree preferred.
Experience:
- 10+ years of experience in financial services, fintech, or a related sector with a focus on invoice financing, factoring, or supply-chain finance.
- Proven leadership experience, ideally in a senior management or executive capacity at a high-growth or technology-driven organization.
- Technical & Domain Expertise:
- Deep understanding of underwriting, portfolio risk management, and financial product structuring in the context of invoice financing.
- Familiarity with relevant regulations, compliance requirements, and industry best practices for financial services.
- Leadership & Management:
- Demonstrated ability to build, lead, and scale teams, fostering a culture of accountability, innovation, and collaboration.
- Excellent communication and stakeholder management skills, with an aptitude for navigating complex, high-stakes environments.
- Analytical & Strategic Thinking:
- Experience using data and analytics to drive decision-making, create forecasting models, and mitigate risk.
- Ability to develop and articulate a clear product vision and roadmap that aligns with corporate strategy and market needs.
Key Competencies
- Strategic Vision: Ability to see the big picture and align daily tasks with long-term goals.
- Financial Acumen: Skilled in analyzing financial data, understanding complex financial instruments, and managing P&L.
- Innovative Mindset: Track record of crafting new product ideas and bringing them to market successfully.
- Adaptability: Comfortable navigating ambiguity, pivoting quickly in a dynamic, fast-paced tech environment.
- Team Development: Passion for mentoring and growing talent, setting clear performance expectations, and fostering a collaborative culture.
Interested candidates should submit their resume to hr@kifiya.com and include “Director of Invoice Financing & Cashflow Solutions” in the subject line.
We are an equal opportunity employer dedicated to diversity and inclusion, welcoming all qualified applicants regardless of background. Our goal is to build a diverse team to promote innovation and success.
Position2: Director, BNPL Asset & Device Financing
Job Summary:
Lead, launch, and scale an innovative BNPL asset/device financing startup within the group’s tech ecosystem. Own market entry, operations, and financial outcomes to drive rapid growth, profitability, and market leadership.
Translate the company’s strategic vision into a market-leading asset financing business.
Identify new customer segments, use cases, and distribution models to drive adoption and long-term growth.
Key Responsibilities
1. Translate Vision & Strategy
- Translate and communicate the, growth strategy, and market positioning for the BNPL startup. Translate the company’s strategic vision into a market-leading asset financing business.
- Identify new revenue streams, product innovations, and emerging market opportunities. Identify new customer segments, use cases, and distribution models to drive adoption and long-term growth.
2. P&L Ownership & Fundraising Capital Efficiency
- Own the business unit’s full P&L, from top-line revenue to bottom-line profitability.
- Manage budgeting, financial forecasting, and capital expenditure decisions in collaboration with the group’s finance team.
3. Sales & Go-to-Market Execution
- Formulate and execute an aggressive go-to-market plan, leveraging both direct and partner-based channels.
- Recruit, train, and motivate a high-performing sales team to meet ambitious growth targets.
- Collaborate with Marketing on brand-building, lead generation, and customer acquisition campaigns.
4. Credit & Risk Operations o Policy & Process Development
- Portfolio Management & Monitoring
- Collections & Recoveries
- Fraud Detection & Prevention
5. Customer Lifecycle & CX Management
- Ensure seamless onboarding, delivery, support, and upgrade journeys.
- Drive usage-based engagement to reduce churn and increase repayment reliability.
- Integrate remote customer service + field agent escalation processes.
6. Operations
- Supervise the Operations unit to ensure effective and efficient order fulfillment, inventory management (if applicable), and after-sales support.
- Implement standardized processes, SOPs, and service-level agreements to guarantee high-quality customer experience
- Maintain service-level standards across the customer lifecycle, from initial purchase through ongoing payments or device upgrades.
7. Team Building & Leadership
- Foster an entrepreneurial, results-driven culture, empowering teams to experiment, learn, and iterate.
- Champion diversity, equity, and inclusion as the foundation of a high-performance organization.
8. Stakeholder Relations
- Develop and Maintain alliances with suppliers, distribution networks, financial institutions, and other industry stakeholders.
9. Metrics & Continuous Improvement
- Track key performance indicators (KPIs) such as revenue growth, portfolio-at-risk (PAR), customer churn, and cost-to-acquire.
- Stay updated on market/technology trends to keep the startup at the forefront of BNPL innovation.
Education:
- Bachelor’s degree in business, Finance, Economics, or a related field.
- MBA or relevant Master’s degree preferred
Experience:
- 10+ years in a leadership role, with at least 5 years’ experience scaling or managing financial products, fintech, BNPL, or consumer finance solutions.
- Demonstrated ability to manage a P&L and lead high-growth, fast-paced ventures.
- Proven track record in driving credit/loan management, risk analytics, and/or underwriting (especially in emerging markets, if applicable).
Skills:
- Entrepreneurial Mindset: Comfortable with ambiguity, rapid iteration, and accountability for outcomes.
- Credit & Risk Acumen: Strong knowledge of lending regulations, credit scoring methodologies, and collections processes.
- Strategic & Hands-On: Ability to toggle between tactical and operational execution.
- Leadership & Communication: Outstanding interpersonal skills to inspire teams and secure stakeholder buy-in.
- Analytical & Data-Driven: Capable of leveraging analytics to optimize growth, improve margins, and drive product-market fit.
Interested candidates should submit their resume to hr@kifiya.com and include “Director, BNPL Asset & Device Financing” in the subject line.
Position3:Director, Embedded Finance B2B eCommerce
Job Summary:
To lead the design, launch, and scale-up of Embedded finance led B2B eCommerce platform. This role carries full P&L ownership and is responsible for strategic execution, platform performance, and operational delivery. The director will oversee merchant acquisition, product innovation, credit integration, supply chain enablement, and stakeholder engagement — positioning the platform as a leading B2B ecommerce platform and drive inclusive digital trade across Ethiopia.
Key Responsibilities
1. Strategic Leadership & Vision Translation
- Translate the company embedded finance vision into a clear, multi-phase platform strategy.
- Define a product-market roadmap as embedded finance led B2B platform, enabling MSMEs to access goods / services and credit seamlessly.
- Lead competitive positioning, sectoral prioritization, and long-term platform scalability.
2. Full P&L Ownership & Financial Performance
- Own end-to-end business unit P&L, including GMV, net revenue, credit margin, and contribution profit.
- Lead financial planning, pricing strategy, capital efficiency, and revenue growth across verticals.
- Monitor unit economics, customer lifetime value (LTV), and acquisition cost (CAC) to optimize profitability.
3. Sales, Merchant Growth & Go-to-Market Execution
- Drive merchant onboarding, activation, and repeat usage through field sales teams, cooperatives, and digital channels.
- Implement referral programs, sectoral acquisition plans, and merchant incentives.
- Collaborate with marketing on brand visibility, user acquisition, and trust-building campaigns.
4. Credit Operations & Embedded Finance Execution[MB1]
- Design and operationalize embedded credit products including BNPL, inventory financing, and working capital loans.
- Integrate credit workflows directly into purchasing behavior, order cycles, and platform journeys.
- Monitor credit health indicators (PAR, NPL, recovery rate) in collaboration with the IFS Credit and Risk teams.
5. Platform & Product Operations
- Oversee core eCommerce functionality: catalog, order processing, payment, checkout, returns.
- Lead product development to ensure scalable, self-service merchant experiences across channels.[MB2]
- Implement merchant dashboards, transaction analytics, and inventory visibility tools.
6. Supply Chain, Fulfillment & Logistics Strategy
- Develop partnerships with suppliers, wholesalers, and logistics providers to ensure on-time and complete deliveries.
- Follow inventory flow, delivery coordination, stock-outs, and returns with defined SLAs.
- Drive cost efficiency and delivery speed through route optimization and last-mile collaboration.
7. Team Leadership & Execution Culture
- Build and lead a high-performing team across platform operations, credit, merchant success, and partnerships.
- Foster a culture of ownership, agility, and disciplined execution aligned with the company core values.
- Implement clear OKRs, team scorecards, and performance tracking mechanisms.
8. Stakeholder Engagement & Ecosystem Development
- Develop and manage strategic relationships with manufacturers, wholesalers, importers, and cooperatives to ensure a robust and reliable supply-side ecosystem.
- Establish fulfillment, logistics, and distribution partnerships (e.g., 3PLs, regional transporters) to ensure scalable last-mile delivery and return flows.
- Align ecosystem players (suppliers, logistics, financiers) around platform SLAs, credit readiness, and operational coordination.
9. Data, Analytics & Continuous Optimization
- Define platform performance dashboards across GMV, retention, credit, logistics, and partner ROI.
- Leverage cohort analysis, behavioral segmentation, and real-time transaction data to refine strategy.
- Run iterative experiments (pricing, bundles, credit limits) to drive platform growth and sustainability.
· Education:
- Bachelor’s in business, Technology, Finance, or related field; MBA preferred.
· Experience:
- 10+ years in digital commerce, fintech, platform operations, or supply chain ecosystems.
- At least 3–5 years with full P&L ownership in a platform or high-growth business.
- Track record of building and scaling two-sided platforms and embedded finance models.
· Skills:
- Strategic platform thinking with deep operational execution capability.
- Credit risk knowledge in trade finance, working capital, or merchant lending.
- Strong stakeholder engagement and ecosystem development capabilities.
- High data fluency; ability to build insight-driven, performance-focused teams.
Interested candidates should submit their resume to hr@kifiya.com and include “Director, Embedded Finance B2B eCommerce” in the subject line.
Position4: Director, Intelligent Finance as a Service
Job Summary:
To lead and scale Kifiya’s flagship business — Intelligent Finance as a Service (IF-aaS) — which powers AI-driven digital banking and lending platforms for financial institutions. This role carries full P&L ownership and oversees platform monetization, partner bank growth, operational support, and risk-managed product delivery. The Director will drive innovation, platform performance, and impact across a multi-bank ecosystem, delivering bundled digital credit, wallet, and payment solutions underpinned by intelligent data decisioning.
Key Responsibilities
1. Strategic Leadership & Platform Vision
- Define the multi-year growth strategy for IF-aaS as the unit’s core PaaS business.
- Position the platform as the national leader in intelligent, partner-powered digital banking.
- Drive roadmap innovation to support lending, wallet, collections & merchant payments.
2. Full P&L Ownership & Financial Stewardship
- Own and manage all revenue streams, cost structures, and commercial targets for the IF-aaS business unit.
- Optimize monetization through per-file fees, platform usage, revenue-sharing, and service bundling.
- Ensure capital efficiency, profitability, and return on infrastructure and AI investment.
3. Bank Partner Management & Growth Enablement
- Lead strategic relationships with all partner banks — ensuring platform utilization, growth alignment, and co-branded success.
- Oversee go-to-market support, customer origination planning, and branch/channel engagement to drive active use.
- Lead contract delivery, SLA adherence, and partner satisfaction across all deployments.
4. Business Operation Support & Risk Productization
- Package and deliver business-side capabilities to partner banks including:
- Loan origination playbooks
- Collections system support
- Risk segmentation tools
- Product design frameworks
- Serve as the core business operations partner to help banks execute platform-led lending with integrity and scale.
5. Intelligent Credit Decisioning & Risk Oversight
- Oversee deployment and evolution of AI credit scoring, fraud detection, and relevant tools tailored to each bank.
- Work with internal teams to ensure risk-tiered lending and predictive NPL prevention.
- Guide partners on risk-based pricing, provisioning alignment, and compliance integration.
6. Platform Delivery & Technology Coordination
- Manage the delivery and scale-up of white-labeled platforms per bank, including core modules (loans, wallets, merchant services).
- Align product, tech, and support teams to ensure uptime, user experience, and feature enhancements.
- Prioritize interoperability, low-bandwidth optimization, and digital literacy-sensitive UX.
7. Team Leadership & Execution Oversight
- Lead a multidisciplinary team spanning bank success, operations support, credit analytics, and platform coordination.
- Set clear KPIs, promote delivery discipline, and foster a high-impact team culture.
- Develop talent pipelines to support scale-up and quality assurance across regions and partners.
8. Reporting, Metrics & Optimization
- Deliver real-time visibility on disbursement, repayment, partner performance, and liquidity movement.
- Enable performance benchmarking across banks and internal dashboards for leadership.
- Use data to identify bottlenecks, model enhancements, or partner-side operational gaps.
Education:
- Bachelor degree in business, Finance, or Technology; MBA or MSc in Data, Risk, or Banking preferred.
Experience:
- 12+ years in digital banking, fintech platforms, or banking transformation roles.
- Strong leadership background in AI-based lending, platform-as-a-service models, or financial infrastructure delivery.
- Direct experience managing multi-bank or B2B platform growth with full P&L responsibility.
Skills:
- Proven strength in productized credit and risk management for financial institutions.
- Deep understanding of bank operations, compliance, and partnership management.
- High comfort with financial modeling, AI model performance metrics, and regulatory alignment.
Interested candidates should submit their resume to hr@kifiya.com and include “Director, Intelligent Finance as a Service” in the subject line.
Position5: Head of Marketing
Job Summary:
To lead, structure, and scale a high-performance marketing function that directly drives customer growth, brand equity, revenue generation, and marketing ROI across Kifiya’s Intelligent Financial Services (IFS) business. This role holds end-to-end ownership of marketing strategy, multi-channel execution, product adoption, and field-led activations across diverse offerings including lending, device financing, embedded finance, invoice financing, and B2B eCommerce. As a strategic leader, the Head of Marketing plays a critical role in shaping platform usage, revenue outcomes, and P&L performance through effective customer acquisition, retention, and brand engagement.
Key Responsibilities
1. Strategic Marketing Leadership & P&L Contribution
- Define and lead the integrated marketing strategy across all IFS verticals: IF-aaS, Embedded Finance, Device Financing, Invoice Financing, and eCommerce.
- Directly influence business unit P&L by owning growth drivers including customer acquisition, product activation, campaign ROI, and customer lifetime value.
- Align marketing investments with business forecasts, partner revenue goals, and financial efficiency targets.
2. Brand Management & Narrative Leadership
- Build a compelling, unified brand narrative across platforms — balancing customer trust with innovation and inclusion.
- Lead brand consistency across all user touchpoints, marketing assets, partner-facing materials, and public platforms.
- Oversee PR and external communications in collaboration with Group executives, positioning Kifiya as Ethiopia’s most impactful financial services infrastructure company.
3. Campaign Planning & Multi-Channel Execution
- Design and execute 360° campaigns across digital, ATL, BTL, referral, and field channels, tailored by product, geography, and customer segment.
- Lead growth across performance marketing (Facebook, TikTok, Google), branch and agent activations, market storms, and partner co-marketing.
- Build and scale influencer, referral, and viral marketing programs rooted in behavioral segmentation.
4. Product Marketing & Platform Engagement
- Translate complex product features into clear, motivating, and localized value propositions for each segment (banks, MSMEs, women, informal users).
- Oversee lifecycle content for onboarding, feature education, and retention via SMS, IVR, in-app, and field materials.
- Collaborate with Product and CVM teams to manage customer journey optimization and activation-to-retention funnel performance.
5. Team Building & Organizational Development
- Build and manage a high-impact marketing team structured as:
- Lead, Product Marketing
- Lead, Graphics Design
- Lead, Creative
- Cultivate a culture of performance, creativity, discipline, and customer-centricity across the function.
- Oversee vendor management (creative agencies, media planners) and internal execution across campaign lifecycle.
6. Market Education & Field Activation
- Design marketing interventions that address low-literacy, first-time digital users, and trust-sensitive segments.
- Equip bank branches, CARE agents, and field teams with activation kits, FAQs, visual toolkits, and talking points.
- Oversee regional and demographic localization of campaigns across languages and contexts.
7. Performance Analytics & Growth Optimization
- Own marketing metrics and dashboards for CAC, CPL, ROI, LTV, conversion, and churn reduction across business lines.
- Lead A/B testing, attribution modeling, media optimization, and campaign-level budget reallocations.
- Provide monthly reports, insight memos, and board-ready dashboards aligned with commercial and product KPIs.
Education:
- Bachelor’s degree in marketing, Communications, Business, or related field. MBA preferred.
· Experience:
- 10+ years in senior marketing leadership roles, ideally in fintech, telecom, eCommerce, or digital financial services.
- Proven track record in owning marketing-driven growth outcomes and campaign ROI in complex, multi-product organizations.
- Experience managing national or regional teams, agency relationships, and large-scale BTL activations.
Skills:
- Strong analytical mindset with expertise in digital, product, and field marketing.
- Deep customer empathy, cultural sensitivity, and storytelling capability across diverse segments.
- Strategic leadership combined with operational agility and high execution velocity.
- Cross-functional influence and the ability to align with Product, Sales, Operations, CVM, and Finance.
Interested candidates should submit their resume to hr@kifiya.com and include “Head of Marketing” in the subject line.
Position6: Deputy Group Director, Operations – Intelligent Financial Services
Key Responsibilities
1. Strategic Execution & Operational Alignment
- Translate IFS’s multi-product strategy into integrated operational plans and execution frameworks across all business units.
- Lead day-to-day operational oversight, ensuring that product, partner, credit, and support functions work in sync to deliver revenue, efficiency, and reliability.
- Serve as a strategic partner to the Group Director, identifying execution risks and driving cross-unit problem-solving.
2. Revenue Assurance & Financial Integrity
- Oversee revenue lifecycle operations across IF-aaS, Embedded Finance, Device Financing, Invoice Financing and eCommerce platforms.
- Ensure accurate reconciliation, leakage detection, partner settlement, and fee tracking per platform and contract.
- Collaborate with Finance to implement real-time dashboards and audit-grade visibility into revenue operations.
3. Credit Operations & Underwriting Execution
- Manage credit operations across partner banks and products, ensuring adherence to disbursement policies, approval workflows, and transaction integrity.
- Coordinate credit servicing and data workflows from origination through repayment, ensuring operational excellence across every lending touchpoint.
- Lead the rollout of new credit operations systems, SOPs, and automations in collaboration with tech and risk teams.
4. NPL Monitoring & Early Warning Systems
- Supervise the analytics and control function that monitors repayment trends, delinquency patterns, and portfolio health.
- Partner with Risk and IDD teams to continuously refine segmentation models, risk-tier strategies, and behavioral scoring for proactive NPL management.
- Lead ops-driven interventions (policy tuning, partner targeting, communication flows) to reduce delinquencies and improve recoveries.
5. Bank Partnerships & SLA Execution
- Coordinate operational delivery across partner banks, ensuring adherence to service-level agreements (SLAs), data sharing, joint processes, and operational handshakes.
- Support business units and growth teams in resolving bank-side bottlenecks and onboarding roadblocks.
- Maintain a cross-bank partner performance dashboard and issue-resolution tracking process.
6. Operational Risk & Process Governance
- Institute and enforce SOPs, quality controls, fraud mitigation mechanisms, and field accountability across operational functions.
- Monitor system integrity, fraud triggers, user behavior anomalies, and partner escalations, ensuring appropriate internal coordination.
- Lead post-incident reviews and preventive actions for major operational breakdowns (e.g. downtimes, disbursement errors, partner escalations).
7. Leadership & Organizational Design
- Directly lead managers across the four core operational domains: Revenue Assurance, Bank Partnerships, Credit Operations, and NPL Analytics.
- Set structured OKRs, delivery scorecards, and quarterly execution reviews.
- Foster a high-performance, mission-aligned culture with strong ownership and accountability across teams.
8. Reporting & Continuous Optimization
- Deliver unified reporting to IFS leadership on operational KPIs: revenue, credit quality, SLA status, exception handling, and partner satisfaction.
- Implement feedback loops between operations, product, analytics, and support to improve platform design, process automation, and frontline execution.
- Identify and lead initiatives to improve process speed, data quality, and unit cost efficiency across the IFS stack.
Education:
- Bachelor’s degree in business, Finance, Economics, or Engineering; MBA or advanced training in financial services or operations preferred.
Experience:
- 12+ years in operations, execution leadership, or platform delivery in fintech, digital banking, or telco financial services.
- Experience directly overseeing credit operations, collections/NPL management, or revenue assurance preferred.
- Proven success in scaling operations within a fast-paced, multi-stakeholder, digital financial services environment.
Skills:
- Strong analytical mindset with comfort in performance data, dashboards, and root-cause analysis.
- Deep understanding of lending workflows, credit risk processes, and operational risk management.
- Ability to manage and develop multi-disciplinary teams and drive execution across verticals.
- Strong collaboration and communication skills for high-stakes internal and external coordination.
Interested candidates should submit their resume to hr@kifiya.com and include “Deputy Group Director, Operations – Intelligent Financial Services” in the subject line.
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