Job Openings at Chipper Cash

About the Role

• Currently, Chipper offers business accounts as well as Network API as a product for businesses and merchants to disburse and collect payments to and from individual users on the Chipper platform. 
• We’re looking for an experienced Product Lead to discover and shape the brand new product area: Chipper for Business, expanding the portfolio of products for SMBs. 
• You’ll be leading the team in discovering the various needs of businesses on the African continent and those in the US, UK, and other countries which transact with people in Africa. 
• You’ll shape the product strategy and the roadmap for the group of products and lead the team of product managers, engineers, designers, and user researchers to discover and deliver value for businesses of various sizes. 
• You’ll work proactively across the whole stack of products Chipper has for individuals and figure out the ways we can package them into business offerings.
• You will also leverage the Chipper platform and its power moving money inside Africa and beyond defining new products of high value for businesses. 
• The ideal candidate will be joining an existing team of one product manager, a number of engineers, and designers already working on the new Network API product. Your goals would be defining the product strategy and the roadmap for the Chipper Business portfolio of products, developing and testing various business models, as well as hiring, mentoring, and coaching product managers joining the team.
• This role requires a leader who thrives in ambiguity, identifies and quickly captures opportunities, and possesses an unrelenting tenacity. The successful candidate will have strong organizational and influencing skills and use data to guide his/her decision-making.

Responsibilities
What you will be doing:

• Developing market intelligence, strategy, and the roadmap for the Chipper For Business product area
• Expand the Chipper For Business products into new markets
• Manage external product partners as well as internal stakeholders with clear and collaborative communication
• Interface with operations, customer support, marketing, finance, and LRC to ensure that the desired economic and operational KPIs are met throughout the product life cycle while ensuring the product is compliant and doesn’t put the company at risk
• Analyze customer feedback and drive continuous product improvement.

Requirements
What you should have:

• 3+ years of experience in senior product management roles with a track record of delivering new products from scratch. Experience with products for SMBs definitely is a plus. Experience with other financial products is also a plus
• The ideal candidate has previous experience working in the Fintech industry, in topics such as Cards, Payments, Investments, P2P transfers, alternative payment methods, as well as traditional banks, neobanks, or any other relevant fintech
• You are an expert on SMBs and understand that their needs, in many cases, substantially differentiate from retail customers
• Strong analytical and strategic thinking and the ability to use data and customer insights to inform decisions and inspire new thinking
• Enjoy working with engineers, designers, and the greater team of stakeholders to solve complex problems
• Keen attention to detail - making sure that our products are not only amazing for customers, but also meet all of our regulatory requirements
• Customer-centric: goes the extra mile to create great customer experiences
• A self-driven individual who is comfortable in an environment where priorities are shifting frequently
• Eager to try new experiences, strong motivation to get things done, and not afraid to make mistakes
• True team player - actively helping those around you to be successful.

Benefits

• In this role, you will have the opportunity to make a massive impact on the company, on the product, and, most importantly, on the lives and livelihoods of our users.
• Enjoy working from home? Coffee-shops? Co-working spaces? Pick any of the above!  Our team is fully remote.
• The Chipper team is truly global - on a daily basis, you might be interacting with team members in San Francisco, Los Angeles, New York City, Berlin, London, Accra, Lagos, and Nairobi.

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What You Will Be Doing
Develop pricing strategies for:

• Current products (transfers – forex, p2p, crypto, services – airtime, bills, and data, and investments – stocks) including:
• Optimal product pricing and margin targets
• Support acquisition and engagement strategies e.g. designing experiments with promotions (working with Growth and Revenue teams)
• Drivers of pricing and other operational KPIs
• Competitive positioning within markets, building the competitive landscape for the geographies you look after
• New products (working with Product and Revenue teams)
• Growth initiatives by using price science techniques to measure customer price sensitivity, predict customer behaviour & conversion and optimise pricing points to achieve business financial and customer relationship objectives

Growth and Optimization:

• Drive the execution of the pricing transformation roadmap 
• Design playbooks for pricing strategies. Drive playbook execution to achieve key business objectives/targets. Ensure playbooks are embedded in organization
• Collaborate with Ops team on regular monitoring and price optimization for products, developing mitigation strategies where required
• Build strong relationships with country teams to ensure that pricing recommendations are actionable and tailored to local markets
• Provide insights on Chipper's competitive pricing position & consumer behaviour across markets 
• Create and own reporting on pricing related KPIs
• Input into budgeting and reporting processes

What You Should Have

• 5+ years’ experience in consumer pricing strategy, Go-to-market pricing strategy
• 2+ years’ experience in market research and competitive landscape analysis
• Fintech experience highly desirable, especially crypto products or remittances
• Familiarity with dynamics around handling multiple currencies and their impact on pricing strategies
• Good experience with statistical analysis and price/demand functions
• Strong quantitative analytical skills; Skilled professional in data wrangling, database querying, modelling and use of cloud based platforms such as snowflake and sagemaker 
• Technical experience with Excel and data visualization tools
• Comfort with fast changing environments
• Excellent communication and influencing skills
• Highly collaborative 
• Ability to work across multiple teams, remote offices, time-zones with flexibility and a can do attitude.

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The Team

• You will join the Revenue team and play a key role in developing and executing our Commercial and Revenue strategies.
• You will be working very closely with our expansion team, local countries, product, marketing and pricing teams in ensuring the successful development of our Revenue Strategy, and the launch and establishment of new products and geographies.

What You Will Be Doing
Reporting to VP of Revenues you will:

• Define, measure, & deliver KPI-driven Revenue strategies
• Develop a solid understanding of regional and local trends and translate those into strategic opportunities to drive our ambitious growth objectives
• Develop alignment and collaboration with leadership & other key stakeholders on how to prioritize countries and product launches
• Translate market feedback into product requirements, and collect market intelligence to help guide the overall direction of our commercial and revenue strategy
• Analyze performance data and provide data-driven insights to improve the performance of our commercial programs
• Partner cross functionally to define the future state of our business, creating a Customer and Product-Centric Revenue Strategy
• Interpret TAM models and customer insight to identify high growth market opportunities to target
• Support local markets and product teams in evaluate our partnership commercials, developing scalable approaches
• Provide analytical and strategic thought leadership to our expansion teams, using data and insight

What You Should Have

• 6+ years in sectors that rely on high volume transactions, in a strategy and commercial role and e.g. Fintech, Betting & Gaming, Online Travel, Marketplaces, Online Trading/FX etc. Experience in management consulting/Investment banking useful but not required
• Proven experience in developing and executing Revenue strategies
• Demonstrated ability to communicate, present and influence credibly and effectively at all levels of the organization
• Strong commercial acumen, strategy, planning, organizational skills
• Experience working effectively with cross-functional teams and all levels of management
• Excellent quantitative and analytical skills, being comfortable with pulling reports, diving deep into the data and analyzing trends.
• Advanced level of data analysis and manipulation using MS Excel, SQL and / or Python.
• Proactive attitude with excellent project management, organizational, and analytical skills.

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The Team

• You will be joining the growing Anti-Financial Crime team! This team is fully remote and we work on one of the most impactful aspects of the Chipper platform.
• The products that we support, such as KYC (Know your customer), AML (Anti-Money Laundering) etc help make Chipper one of the most trusted and safest places for sending and receiving money across Africa.

What You Will Be Doing

• You will ship products that ensure Chipper remains compliant with local and international regulations as Chipper enters new markets and launches new fintech products.
• You will work with cross functional teams in Engineering, Design, Legal, Risk and Compliance, and third party partners to prioritize, plan and ship new Compliance features and feature optimizations.

What You Should Have

• 3+ years of experience in a software product management role and a track record of delivering new products and features that have impactful business results.
• Strong interpersonal skills: You will have strong communication skills to influence decision making from stakeholders in Engineering, Compliance and Leadership.
• Self-driven individual: You need to be comfortable in a startup environment where priorities are shifting frequently.
• Relevant experience: You will have experience working in a highly regulated environment or have Compliance domain-knowledge