Employee Referrals

Role Description As Strategic Partnerships Lead // Banking Distribution you will be accountable for creating, structuring and scaling strategic partnerships with banks where the bank is both the distribution partner and the balance sheet provider. This is a step-change from JUMO’s mobile-money-led model: it places the bank at the centre of customer acquisition, product distribution, funding and risk, and demands a partnership lead who can operate as a credible peer to bank executives. You will articulate the JUMO proposition, co-design the product and operating construct with the bank, lead the rollout of new initiatives end-to-end, and drive portfolio growth, revenue and risk outcomes in line with the partnership agreement. You will report to the MD of Capital Partnerships. - Build and own senior, executive-level relationships across partner banks — typically with C-suite, Heads of Retail / SME / Digital, articulating the JUMO model in a way that lands with banking decision-makers and unlocks the partnership. - Lead the design and rollout of new bank-led distribution and lending propositions end-to-end, from concept and commercial structuring through credit and risk approvals, regulatory sign-off, technology integration, launch and scale-up. - Structure the commercial, credit, risk and operating constructs of each partnership in a way that reflects the bank’s balance sheet, capital and regulatory realities while delivering JUMO’s growth and revenue objectives. - Continually monitor portfolio performance against agreed KPIs across origination, credit quality, collections, revenue and customer outcomes, and convert insight into clear actions with the bank’s product, credit and risk leadership. - Identify and translate regulatory changes, central bank policy shifts, and macro and banking-sector trends into concrete implications for the partnership and JUMO’s product and portfolio strategy. - Drive cross-functional execution across JUMO’s legal, regulatory, data, product, marketing, customer insights, finance and operations teams, setting the pace, owning the critical path, and unblocking decisions to deliver against revenue goals and manage risk. - Optimise existing partnerships and originate new banking opportunities across Africa, structuring deals that are commercially compelling for the bank, regulatorily sound, and aligned with the JUMO business model. Qualifications - A Bachelor’s degree in Business, Finance, Economics, Accounting or similar. - Significant senior experience in banking or financial services; ideally including roles in corporate or retail banking, digital banking, credit and risk, transaction banking, or banking partnerships, with a real working knowledge of how a bank actually runs. - A deep understanding of credit risk and the dynamics of lending, with some fluency to debate credit policy, scorecards, provisioning, capital and balance sheet implications with bank specialists as a peer. - A demonstrated track record of executing new product launches, partnerships or distribution initiatives at scale inside or with a bank, including navigating governance, credit and risk committees and regulatory approval processes. - Awareness of mobile money and digital financial services and how they intersect with bank-led distribution, enough to position JUMO’s value within a bank’s digital strategy. - The ability and willingness to travel across the region as the role requires. Requirements - Executive presence and credibility: holds the room with ExCos and risk and credit leadership. - Strong commercial and banking acumen: can structure a deal, read a portfolio, debate unit economics and translate the JUMO strategy into concrete, bankable plans and deliverables. - Strong project execution discipline: able to lead complex, multi-stakeholder rollouts end-to-end, set the critical path, manage governance, and drive delivery to time, quality and risk standards. - High levels of intellect and judgement: makes the right trade-offs and weighted decisions in line with the JUMO business model and the bank’s risk appetite. - Excellent communication and influence skills (written and verbal), with the range to move between board-level narrative, commercial detail and operational execution. - Ability to break down complex, ambiguous challenges into measurable workstreams and lead the delivery across internal and partner teams. - Ability to work in a fast-paced, ever-changing environment, highly adaptable, with the resilience to navigate banking timelines and fintech pace simultaneously. - Excellent time management, planning and organisational skills. - Decisive, detail-oriented, enthusiastic, with strong problem-solving abilities and a bias to execution. Benefits - Collaborating with smart, engaging people in an inspiring work environment. - Working for impact. - Growing and learning continuously, with loads of encouragement and support. - Boldly taking risks as we navigate new challenges. - Flexible work practices enabling your best delivery. - Being autonomous and empowered to lead. Company Description At JUMO, we firmly believe that diversity strengthens our teams. We are dedicated to fostering an inclusive recruitment process that cultivates an environment where all individuals can be authentic, collaborate, and thrive.

Role Description As Partner Integrations Specialist you will be accountable for the technical delivery of JUMO's integrations end-to-end. This includes initial analysis through to deployment and go-live. You will work closely with JUMO's product, engineering and partner-facing teams to document, plan and execute the technical delivery of our products, and coordinate the partner side of the development lifecycle from inception through to launch and post-launch support. You will report to the Head of Integrations. - Coordinate and manage the technical delivery of JUMO's products, from scoping to go-live and post-launch support - Manage and coordinate partner-led deployments as needed (during after-hours/late-night partner maintenance windows) - Present and lead technical demos and presentations to external partners or internal teams - Have a willingness to travel across Africa and work with partners on-site - Create and maintain technical integration documentation to capture business requirements for new integrations (sequence, architecture and component diagrams) - Act as the bridge between external partners and internal technical teams - Discuss technical details with internal teams and partners, considering long-term implications and trade-offs - Resolve integration issues through monitoring, root cause analysis and implementation of technical solutions with the relevant internal or external teams - Handle technical escalations and follow up on support requests raised with our technical partners - Perform systems integration testing and user acceptance testing by creating and executing test cases - Make decisions with partial information in a fast-paced environment Qualifications - An undergraduate degree or diploma - 5 - 8+ years' experience coordinating between multiple teams to deliver software products - A technical background, with experience in: - 3rd Party integrations - RESTful APIs, JSON/XML and cloud technologies - Agile processes and software development lifecycles - Technical analysis and requirements gathering - Code-based diagrams, e.g. Mermaid or PlantUML - Stakeholder management skills and the ability to build relationships with partners - A positive and constructive attitude - The ability to self-manage and take ownership, show initiative - The ability to push back constructively and say 'no' where appropriate, both internally and externally - The ability to adapt communication style to technical and non-technical audiences - To be a logical and critical thinker with strong problem-solving skills, able to question assumptions - Attention to detail - The ability to prioritise, take in the bigger picture, and stay flexible with changing priorities - To be comfortable building lightweight tools or automations (e.g. scripts, Google Apps Script, JavaScript, simple web tools) - To embrace change, as the work environment is dynamic, fast-paced and full of challenges Requirements - Bonus if you have: - Experience with cloud monitoring services such as Datadog - Experience in fintech, payments, mobile money or e-wallet ecosystems - Fluency with project management tools (e.g. JIRA, Confluence) - Experience with API tooling such as Postman - Experience with code-based diagrams (e.g. Mermaid, PlantUML) Benefits - Collaborating with smart, engaging people in an inspiring work environment - Working for impact - Growing and learning continuously, with loads of encouragement and support - Boldly taking risks as we navigate new challenges - Flexible work practices enabling your best delivery - Being autonomous and empowered to lead - A stack of leading-edge technologies - Remote First Company Description This position is based in South Africa. We operate a remote first working approach, where working remotely is our default way of working. Our environment is designed to foster innovation and enable collaboration. We have co-working spaces available across some of our main hubs for collaboration, connection and for the use of those who value working out of an office. You have flexibility where to work from in the country you are hired in, as long as you are set up to work remotely and have access to data with a strong and reliable connection as we value online facetime for collaboration at JUMO. At JUMO, we firmly believe that diversity strengthens our teams. We are dedicated to fostering an inclusive recruitment process that cultivates an environment where all individuals can be authentic, collaborate, and thrive.

Role Description As General Manager // In-Market Operations you will be responsible for the success of JUMO in-market operational activities and key stakeholder relationships. You will manage and grow the business in line with the JUMO Growth and New Markets (GNM) strategy by deploying the JUMO technology stack to connect entrepreneurs and consumers to inclusive financial services. You will be based in Africa and will report to the Chief: Product & Payments Partnerships. - In coordination with the Chief: Product & Payments Partnerships and the GNM leadership team, set the country strategy for our African operating markets, aligned to, and integrated with, the overall JUMO mission and JUMO GNM strategy. - Support internal teams in driving strategic engagements with existing and potential partners, including: - Capital providers such as Tier 1 FSPs, MFIs, Debt, Government and Development funds. - MNOs, wallet providers, affiliates, and other consumer network partners. - Government, Central Bank, and other regulatory and industry bodies. - Leverage your existing networks, identifying key influencers, and initiating engagements to build strong partnerships that are mutually beneficial. - Drive overall performance by maximizing the value of each JUMO ecosystem and identifying and capitalizing on new opportunities, partnerships, and industry trends. - Be responsible for aligning the local in-country strategies with the GNM strategy, as well as helping to lead project teams to develop products and/or business models to be deployed. - Hold accountability for operational effectiveness of in-country teams and ensure in-market cohesion. Qualifications - 10 - 15 years of experience as a senior leader in Digital Finance, across both Operations and Relationship management. - Strong key stakeholder engagement skills across all levels. - An established network in private, public and government sectors across African markets; regulatory knowledge and experience are important. - Strong commercial and business acumen, particularly someone that can easily operate across a number of disciplines and has the ability to think about all aspects of the business. - Africa cross-border and international experience. Requirements - Ability to manage complex relationships at Executive level. - Intellect and judgement. - Resourceful and execution-oriented: take full ownership (i.e. ‘buck stops with me’) – ability to work independently and to make it happen, will do everything it takes to get it done. - Understands how big organisations work, but is able to work in a small, agile and fast-paced environment. - Ability to break down complex challenges into measurable work streams and to lead the delivery. - A self-starter, able to make the right calls and escalate only when necessary. - Leadership experience: ability to build teams, provide thought leadership, enabling and motivating team members to maximise productivity, performance and enhance overall professional growth. - Strong communication skills: communicate in a professional and authentic manner that promotes transparency, accessibility, and high performance. Knows the importance of having direct, candid conversations. - Personal effectiveness: exceptional planning and organization. Establish effective habits and practices that ensure you are productive, involved, and delivering optimally. Benefits - Collaborating with smart, engaging people in an inspiring work environment. - Working for impact. - Growing and learning continuously, with loads of encouragement and support. - Boldly taking risks as we navigate new challenges. - Flexible work practices enabling your best delivery. - Being autonomous and empowered to lead. - A stack of leading-edge technologies. - Remote First: This position is based in South Africa, Kenya or Ghana. Company Description At JUMO, we firmly believe that diversity strengthens our teams. We are dedicated to fostering an inclusive recruitment process that cultivates an environment where all individuals can be authentic, collaborate, and thrive.

Role Description As In-Country Operations Specialist you will be accountable for shaping and implementing the strategic roadmap for our key strategic partnerships for JUMO by utilising existing local market knowledge, operational execution and building strong relationships internally and externally. You will report to the Regional Manager // East Africa, with a focus primarily on Southern African & East African operations. - Be responsible for operational targets: - Support product performance objectives by contributing recommendations to strategic plans and reviews. - Preparing and completing action plans. - Initiating productivity improvements and quality checks. - Resolving problems and identifying trends. - Determining system improvements and implementing change. - Take accountability for relationship management: - Sustain rapport with designated stakeholder groups by making regular visits. - Exploring specific needs and resolving challenges. - Anticipating new opportunities. - Be actively engaged: - Pro-actively seek inputs and stimulate discussions with teams responsible for Portfolio Management, Product, Marketing, Customer Insights, Data Science, Finance, Capabilities and Customer Operations. - Resolve potential problems and identify opportunities. - Own project management and coordination: - Take personal accountability in proactively planning and executing new and existing projects and operational activities including but not limited to operational compliance. - Manage reporting and governance: - Provide real-time, robust, reliable, insightful business information. - Support preparation for partner SteerCo engagements. - Ensure a clear grasp on any regulatory changes within the ecosystem that will affect our operations in-country. Qualifications - A Bachelor’s Degree in Computer Science, Business Administration, Commerce, Finance, Economics, Accounting or similar. - A minimum of 5 years’ experience in a similar role in Financial Services, Technology, Telecom, FMCGs, FINTECH. - Spoken and written fluency in English. - Experience in project management. - Previous high level and sophisticated relationship management experience across various senior and other levels in an organization. - A very good understanding and experience of financial products and performance, including credit risk, dynamics of lending, saving and some insurance. - Experience in negotiating with major counter-party to achieve and facilitate a given strategy. - Experience leading a team. - Prior experience with mobile financial services. - Excellent time management, planning and organizational skills. - To be an exceptional communicator, with effective listening skills, intelligent and articulate with strong written and verbal skills. - To have a confident personality with strong presentation ability. - The ability to work to tight deadlines, multi-task, prioritize and handle a diverse workload. - To be decisive, detail oriented, enthusiastic, problem solver. - The ability to work in a fast paced ever changing environment. Requirements - Bonus if you have an MBA (added advantage). Benefits - Collaborating with smart, engaging people in an inspiring work environment. - Working for impact. - Growing and learning continuously, with loads of encouragement and support. - Boldly taking risks as we navigate new challenges. - Flexible work practices enabling your best delivery. - Being autonomous and empowered to lead. Company Description You will be based in South Africa or Uganda. We operate a remote first working approach where working remotely is our default way of working. We have co-working spaces available in Cape Town and Kampala, for collaboration and connection and for the use of those who value and want to work out of an office. You have flexibility where to work from, as long as you have access to a reliable connection and are set up to work remotely. At JUMO, we believe that diversity strengthens our teams and we strive in our recruitment process to create an environment where people from every background can collaborate and prosper and be themselves.

Role Description As Technical Portfolio Analyst you will be an integral part of the team accountable for the daily loan book operations of JUMO. You will work with various areas to implement portfolio and asset management decisions in order to optimise financial return, within the set risk appetite, and increase financial inclusion. You will work within a small high-performance results orientated team engaging across the Portfolio and Prediction department, and you will report to the Head of Portfolio Enablement. You will: - Contribute to the ongoing operational implementation of Portfolio Management and Asset Management decisions. - Work with product and technical teams to implement business requirements from Portfolio and Asset Management teams. - Use data insights, troubleshoot portfolio issues, and assist with remedial action as well as adding additional reporting and alarming. - Work within the existing Portfolio Strategy Service to optimise the current process as well as contribute to the evolution of the service itself. - Provide support and assist with complex problem solving across various teams using your technical coding skills. - Be able to work independently and be bold enough to challenge the status quo even outside of your domain. - Learn new technologies, business concepts and innovate. Qualifications - A Bachelor's degree in Statistics, Finance, Engineering or equivalent tertiary degree. - To be capable to evolve current process & look towards what next generation service looks like. - Working knowledge of SQL and/or relevant RDBMS technology such as MySQL, PostgreSQL, Redshift and SQL Server. - Understanding of the credit lifecycle. - Effective communication skills in technical concepts. - To be adaptable in a fast-paced environment. Requirements - Proficiency in Python or another programming language (bonus). - Ability to work with Github and JIRA (bonus). - Proven ability to work with diverse teams to ensure effective implementation of projects (bonus). - Relevant work experience (bonus). Benefits - Collaborating with smart, engaging people in an inspiring work environment. - Working for impact. - Growing and learning continuously, with loads of encouragement and support. - Boldly taking risks as we navigate new challenges. - Flexible work practices enabling your best delivery. - Being autonomous and empowered to lead. - A stack of leading-edge technologies. - Remote First. Company Description You will be based in South Africa. We operate a remote first working approach where working remotely is our default way of working. We have co-working spaces available in Cape Town for collaboration and connection and for the use of those who value and want to work out of an office. You have flexibility where to work from, as long as you are set up to work remotely and have access to data with a strong and reliable connection as we value online facetime for collaboration at JUMO. At JUMO, we firmly believe that diversity strengthens our teams. We are dedicated to fostering an inclusive recruitment process that cultivates an environment where all individuals can be authentic, collaborate, and thrive.

Role Description As Analytics Engineer, you will support the Senior Analytics Engineers in one or more of the many functional data domains within JUMO. Working closely with various stakeholders and Data engineers to service data requests both internally and to external partners. You will report to the Data Modelling & Reporting Team Lead. You will: - Work closely with all stakeholders including technology platform Product Owners, Data & Prediction teams, Finance, Marketing, and external partners to perform investigations on data warehouse and other operational data stores. - Understand the end-to-end architecture of your functional domain and deep dive into the data to resolve issues or perform ad-hoc extracts. - Perform quality assurance on new and existing data sets and pipelines to discover inconsistencies and anomalies to guide problem resolution and data cleansing exercises. - Use advanced data query and discovery skills for ad hoc analysis and support for both internal and external stakeholders. - Clearly define reporting requirements and build operational reports and strategic dashboards. Qualifications - 3-5 years experience with data and/or systems analysis experience, at least some within a formal BI environment. - University degree in Business, Finance, Mathematics, Statistics, Informatics, or equivalent industry training and experience. - Proven ability in analytics, business process analysis, and presenting/communicating recommendations across all organization levels. - Real-world understanding of data processing and storage. - Relational database management systems experience in relevant technologies such as MySQL, PostgreSQL, Redshift, and SQL Server. - Proven ability to write complex data queries (in any desired language) to retrieve data for analysis, modeling, and solving complex business scenarios. - Ability to self-discover and understand complex data domains. - Advanced Excel skills. - Understanding of Data Governance, Agile methodologies, and QA standards. - Critical thinking under pressure with ambiguity and tight deadlines. - Experience working with Github and JIRA or similar task or project management tools. Requirements - Experience in data environments making use of big data, data lakes, event-based streaming, and API integrations. - Experience with reporting and business intelligence software such as Tableau, Power BI, Grafana, Superset. - Experience with tools such as Airflow and NiFi. - Experience with end-to-end BI solution design and build. - Experience in the FinTech industry. Benefits - Collaborating with smart, engaging people in an inspiring work environment. - Working as one team towards our goal of financial inclusion. - Growing and learning continuously, with loads of encouragement and support. - Boldly taking risks as we navigate new challenges. - Flexible work practices enabling your best delivery. - Being autonomous and empowered to lead. - Using AI for good, ensuring more value for more customers. - A stack of leading-edge technologies. - Remote First working approach. Company Description This position is based in South Africa. We operate a remote first working approach, where working remotely is our default way of working. Our environment is designed to foster innovation and enable collaboration. We have co-working spaces available in Cape Town for collaboration and connection for those who value and want to work out of an office. You have flexibility where to work from, as long as you are set up to work remotely and have access to data with a strong and reliable connection as we value online facetime for collaboration at JUMO. At JUMO, we firmly believe that diversity strengthens our teams. We are dedicated to fostering an inclusive recruitment process that cultivates an environment where all individuals can be authentic, collaborate, and thrive.