Jobs at Kuda

Role Overview:

• As a Credit Risk Analytics Manager, you will be a key driver in shaping the direction of our credit products and enhancing our decision-making process. You’ll lead a talented analytics team, providing critical data-driven insights that will influence product design, acquisition strategies, portfolio management, collections, and overall P&L performance. Your analysis will directly impact core business metrics, with your recommendations playing a pivotal role in optimizing and improving the performance of our credit products.
• You will be expected to deep dive into large data sets to identify trends, forecast P&L, and provide actionable insights that will guide decision-making at every stage of the credit lifecycle. With the ability to collaborate cross-functionally and present your findings to C-level executives, you will drive strategy, improve processes, and support your team members in executing key initiatives.

Key Responsibilities:

• Lead end-to-end credit product analytics, from pricing and underwriting policies to collections and portfolio performance optimization.
• Analyze and optimize portfolio performance, policy rules, score cut-offs, and credit limits, driving improvements that directly impact core business metrics such as risk and profitability.
• Forecast P&L, assess affordability, and recommend credit limits, ensuring alignment with business objectives and customer needs.
• Drive strategy through A/B testing for lending products and collections strategies, ensuring constant iteration and improvement of the credit products.
• Deliver ad-hoc analyses and business intelligence (BI) reports to support business decisions, helping guide the evolution of credit products and performance monitoring.
• Present data-driven insights to C-level executives, explaining trends and making recommendations that influence business decisions.
• Lead and mentor your team, fostering a collaborative environment that empowers team members to deep dive into data, find actionable insights, and execute strategies effectively.

Who you’ll work with:

• You’ll collaborate across Credit Risk, Collection, Finance, Product, Engineering and Data teams -  ensuring our credit products are competitive, sustainable, and customer-focused.

We are seeking someone who can:

• Drive decision-making with actionable insights, recommendations and solutions that improve products and impact key business metrics.
• Deep dive into data, translating complex information into clear recommendations for stakeholders.
• Lead a team, providing support, guidance, and mentorship, while creating an environment where team members can grow and excel.
• Present complex findings to senior leadership, including C-level executives, explaining trends and making data-driven recommendations.
• Work cross-functionally with multiple teams to ensure the alignment of business strategies, while delivering results that impact the company’s success.

Requirements

• A degree in a quantitative discipline such as Mathematics, Statistics, Physics, or a related field.
• Credit Strategy Expertise: Proven experience in designing and executing credit strategies such as underwriting policy rules, score cut-offs, credit limit assignments, and pricing strategy on a consumer credit portfolio.
• 5+ years of experience in credit risk analytics or data analysis, with at least 2 to 3 years of experience leading a team.

Must have

• Proficient in SQL for querying and analyzing large datasets.
• Strong understanding of A/B testing methodologies and statistical testing.
• Experience with statistical software packages (open-source languages like Python or R preferred).
• Deep knowledge of credit portfolio performance metrics, including, but not limited to annualized loss, vintage curves, roll rate, exposure at default (EAD), and loss given default (LGD).
• Proven ability to turn data into actionable insights that inform business decisions and optimize credit products.
• Ability to present complex analyses to senior leadership and explain data trends clearly and concisely.

Desirable skills / knowledge

• Proficiency in programming languages (open-source preferred, e.g., Python, R).
• Experience in developing end-to-end business reports, including requirement analysis, visualizations, data sourcing, report production, and stakeholder management.
• Ability to interpret and generate actionable insights from monitoring reports, advising business owners on responses and next steps based on findings.

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• We’re now looking for a Performance Marketing Lead to lead our acquisition strategy, reporting into our VP Marketing. You’ll be responsible for scaling paid marketing, building and mentoring a team, and working closely with product, data, and brand to drive efficient growth.

Responsibilities

• Own and define Kuda’s acquisition strategy across all paid channels (social, search, programmatic, affiliates) ensuring efficient and scalable growth
• Set ambitious targets (installs, CAC, ROAS, MAUs) and deliver against them with a data-driven, test-and-learn approach
• Lead and mentor a high-performing performance marketing team of four people, creating clear growth processes and development opportunities
• Oversee budget allocation and forecasting, ensuring spend efficiency and strong ROI
• Identify, test and scale new channels to maximise efficiency and performance
• Collaborate with Product and Analytics to ensure accurate tracking, attribution and funnel visibility
• Partner with Brand, Creative and Content to deliver high-velocity, high-quality campaigns tailored to different business units
• Partner with Product Marketing and CRM Ops to optimise lifecycle continuity (from acquisition to retention) and maximise ROAS and LTV
• Use insights from acquisition performance to inform broader marketing and product strategy
• Own, manage and evolve the performance marketing tech stack (MMP, ad managers, etc.)
• Stay up to date with new platforms, tools, regulations, and trends to continuously evolve our growth engine
• Champion the exploration and adoption of AI tools and workflows to enhance campaign execution, targeting, creative testing and performance analysis
• Represent Performance Marketing at leadership level, reporting regularly on progress, challenges and opportunities

Requirements

• 7+ years of experience in performance marketing / growth, ideally in consumer tech, fintech or other app-first businesses
• Proven track record of managing million-dollar+ acquisition budgets and delivering efficient user growth
• Deep expertise in paid social, search, programmatic and attribution modelling
• Highly analytical with experience working with data, cohort analysis and experimentation
• Strong leadership experience: able to build, manage and coach teams, and set clear OKRs
• Collaborative, with excellent communication skills and proven ability to influence across product, finance and leadership teams
• Experience in high-growth African or global markets is a plus

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Role Overview

• Kuda is looking for a highly skilled and motivated Senior Data Analyst to join our growing BI & Analytics team. We are looking for someone who can work with large datasets, leverage their expertise in data analysis and deliver actionable insights across various business functions. You will play a critical role in helping to shape data-driven decisions around attribution optimisation, product performance, experimentation and user engagement. 

Roles and responsibilities

• Develop, own and champion how we leverage data from our tech stack. 
• Analyze, and where required build, datasets that enable better understanding of company KPIs, marketing performance and user engagement.
• Design, develop, and maintain dashboards and reports using tools like Looker.
• Conduct in-depth analyses to improve customer acquisition, engagement, retention, referral, segmentation and revenue across multiple channels. Understand trends, correlations and identify opportunities to move these key user growth metrics. 
• Perform exploratory data analysis (EDA) and statistical modeling to support strategic initiatives.
• Ensure the accuracy and relevance of key performance indicators (KPIs) across different functions. 
• Design and analyze experiments to improve user acquisition, product adoption, and spend efficiency of marketing campaigns.
• Be comfortable with cross-functional collaboration and delivery. 
• Present findings and recommendations clearly to both technical and non-technical audiences.

Requirements

• 5+ years of working experience as a data analyst.
• Proven track record of delivering actionable insights that impact business outcomes.
• Strong understanding of mobile app technologies and attribution.
• Advanced proficiency in SQL.
• Have development experience with Business Intelligence/ visualization tools (ie. Looker)
• Possess strong knowledge of mobile app growth metrics (LTV, CR%, Churn)
• Understanding of versioning control (ie. Git, BitBucket or other similar technologies)
• Experience with data modeling (ie. dbt)
• Proven leadership skills with the ability to mentor junior team members.

Nice to have:

• Experience in the Fintech, financial services or the gaming industry
• Experience in modeling techniques and application within organisations
• Knowledge of African markets
• Understanding of SKAdNetwork
• Bachelor's degree in CS, Statistics, Business, Mathematics, Economics, or related field

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Role Overview

• We are expanding our reach and seeking a visionary Senior Data Engineer to spearhead our data engineering efforts, driving innovation and growth. With a passion for data-driven decision-making, you will play a pivotal role in shaping the future of banking for millions.

Roles and responsibilities

• Design, develop, and optimise large-scale data ingestion, transformation, and processing pipelines for structured, semi-structured, and unstructured data.
• Lead the integration of multi-cloud and hybrid data platforms (e.g., Azure SQL, Google BigQuery, on-premises SQL Server).
• Define and enforce data architecture standards to ensure scalability, security, and optimal performance.
• Leverage Dataform to manage SQL-based transformations, version control, testing, and deployment of analytics datasets in BigQuery.
• Introduce and manage real-time streaming solutions (e.g., Kafka, Pub/Sub, or Dataflow) in conjunction with batch data pipelines.
• Data Quality & Governance
• Establish data quality frameworks with automated validation, anomaly detection, and reconciliation checks.
• Collaborate with Data Governance teams to maintain data catalogues metadata management, and lineage tracking.
• Implement security, privacy, and compliance standards (such as GDPR, NDPR, and ISO 27001) within data pipelines.
• Mentor junior and mid-level data engineers, providing technical guidance and career development support.
• Partner with Data Science and BI teams to deliver data products for predictive modelling, experimentation, and self-service analytics.
• Act as a subject matter expert in cross-functional projects, advising on technical trade-offs and best practices.
• Research and adopt emerging data engineering technologies and methodologies.
• Drive automation in data workflows to reduce manual intervention and operational risk.
• Optimise data storage and compute costs through partitioning, clustering, and workload management.

Requirements

• 7+ years of experience in data engineering, with a proven track record of leading teams.
• Expert-level SQL skills, including advanced query optimisation and performance tuning.
• Proven experience with:
• Microsoft SQL Server / Azure SQL DB / Azure Managed Instance
• Google BigQuery & Google Cloud Platform
• Dbt. Cloud or Dataform for data modelling, testing, and deployment
• Data ingestion tools (e.g., Airbyte, Azure Data Factory and Fivetran)
• Strong programming skills in Python (preferred) and at least one additional language (Java, Scala, or Go).
• Experience with streaming

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Role Overview

• We are looking for an experienced Senior Product Manager to lead the Onboarding & Identity team at Kuda. In this role, you will own and drive the strategy, development, and optimization of customer onboarding processes. This includes enhancing the onboarding journey, reducing friction, and ensuring seamless account creation and upgrades.
• You’ll collaborate with cross-functional teams including Design, Engineering, Analytics and Marketing to deliver a roadmap of impactful features and experiments that improve user experience and drive growth. This is a unique opportunity to make a significant impact on Kuda’s growth and our customers’ lives.

Responsibilities

• Take full ownership of the onboarding & identity roadmap, ensuring alignment with Kuda’s OKRs and setting a clear vision for the team.
• Lead a team of engineers, designers, and analysts, fostering collaboration and ensuring high-quality execution of the roadmap.
• Own, understand and optimize the onboarding funnel metrics, utilizing these to share performance with C-Suite executives, direct your roadmap, and identify issues.
• Discover, develop, and improve features to enhance the onboarding experience, including streamlining account creation and upgrades.
• Collaborate with internal and external stakeholders to manage product requirements, ensuring compliance with regulatory and operational standards.
• Build world-class onboarding experiments and features using data, research, and collaboration. Define methods and metrics to evaluate success and failure.
• Coordinate resources and timelines to ensure on-time delivery with the highest quality.
• Deliver features and products that create amazing user experiences and validate these with customers.

Requirements

• 5+ years of experience in product management, specifically working on onboarding journeys.
• A strong understanding of the mobile ecosystem.
• A test-and-learn mindset; you are focused on experimenting and using data to guide your decisions.
• A proven track record of delivering impactful changes and improvements.
• Comfort working with data; you can manipulate and analyze data to understand problems and measure outcomes.
• A bias for execution; you focus on defining the right MVP, making trade-offs, and shipping effective features.
• Exceptional curiosity; you’re unafraid to ask questions, tinker, and learn to help drive product success.
• Experience analyzing data from multiple sources to identify insights, pinpoint opportunities, and inform product decisions.

Preferred Qualifications

• Experience in fintech or digital financial services.
• Familiarity with African markets.
• Knowledge of KYC processes and regulatory requirements.
• Experience running A/B tests.
• Passion for user experience and a desire to build exceptional products.