Job Openings at Kuda Bank

Role Overview

Join us at Kuda in this pivotal role and be the driving force in shaping and optimizing our Credit Risk strategies!

We are currently searching for a dynamic Head of Credit Risk to lead the Credit Risk team, spearhead the implementation and execute Kuda's Credit Risk policies. 

You’ll have the opportunity to drive streamlined collection practices and actively contribute to the development of relevant policies and protocols.

In addition, you’ll get to ensure precise reporting and strict adherence to Credit product practices within Nigeria. 

Responsibilities

• Lead the Credit Risk team, end-to-end strategy roadmap and execution 
• Ensure proactive advocacy and steadfast adherence to Credit policies
• Design Credit policies tailored to the unique dynamics of Kuda MFB in Nigeria
• Build and operate the underwriting function for both consumer and business credit
• Managing a team of underwriters, providing guidance, training, and feedback to ensure consistency and adherence to established underwriting standards
• Spearhead active and compliant collection practices, demonstrating a commitment to regulatory standards and guidelines 
• Lead the strategic implementation of Credit initiatives within the Nigerian market, aligning efforts with organizational objectives
• Establish, build and actively manage various relationships with external partners

Requirements

• 10+ years of experience, with at least 4 years in a leadership position specifically within Credit Risk Management
• Extensive background in financial services or Fintech, underscoring a deep understanding of the industry's nuances and dynamics
• Solid understanding of Credit regulation within the Nigeria banking industry
• In-depth hands-on expertise in the administration of Credit Risk policies, the Credit underwriting process, Credit Risk scoring methodologies, and precise calculation of unit costs for risk products
• BSc in Accounting, Economics, Banking, Finance and Commerce (or relevant fields)

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About the role

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

Responsibilities:

• Assist in the development and maintenance of the product roadmap for the Business API, prioritizing features and enhancements based on customer needs, business goals, and technical feasibility.
• Collaborate with engineering, design, and business teams to define and deliver high-quality API products that meet the needs of our customers.
• Conduct market research and analyze customer feedback to inform product decisions and identify opportunities for improvement.
• Assist in defining and tracking key performance metrics to measure the success of our Business API.
• Support the Senior Product Manager in developing go-to-market strategies and driving adoption of our Business API.

Maintain relationships with key stakeholders, including customers, partners, and internal teams, to gather feedback and ensure alignment.

• Ensure the Business API adheres to industry best practices and standards for security, performance, and scalability.
• Assist in maintaining API documentation and communicating technical changes to customers and internal teams.
• Contribute to the development of a developer- friendly API marketplace to promote discoverability, ease of use, and adoption of our Business API.
• Stay up-to-date with the latest trends and technologies in the API ecosystem and share insights with the team.
• Coordinate with compliance and legal teams to ensure our BusinessAPI and related services comply with regulatory requirements and Kuda's KYB/KYC procedures.

Requirements

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