Vacancies at Chipper Cash

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 Country Director, South Africa, will serve as the primary lead role for Chipper Cash in the country. You will drive the country strategy working alongside global cross functional teams including Legal & Compliance, Operations, Marketing, and Product. You are a critical team leader that will drive Chipper Cash’s launch and growth in South Africa.

What You Will Be Doing

• Identify, develop and manage key relationships required to establish and launch Chipper Cash, including relationships with business and operational partners as well as necessary government/regulatory bodies
• Build and execute the commercial strategy and planning for business continuity and high growth. You will do so by ensuring alignment between the location’s ‘go-to-market’ approaches and the overall Africa commercial strategy, taking into account the region’s longer term strategic initiatives
• Ensure Chipper Cash is in compliance with local laws, legislation, and regulations relating to Chipper’s operations in South Africa
• Provide local market intelligence in areas such as user-behavior, target segments and competitive intelligence to have a holistic market picture and support product-market-fit efforts
• Lead administrative support related to country operations and growth
• Manage daily operations after launch to ensure continuing success in South Africa
• Be the brand steward in the market. This will include representing Chipper Cash at events and other engagements

Your Values

• Be a self-driven, self-starter professional. We’re a dedicated, hardworking team leader motivated by our mission and vision
• Have a global mindset. Even at our small size, we have a team that represents 10+ countries, and our global footprint of customers will continue to grow
• Be comfortable with the uncomfortable goal that is! 

What You Should Have

• Strong experience in driving the strategy and execution of an organization, preferably through a period of growth
• 5 years of experience in an executive role in Financial Services, banking or at a growth stage fintech startup
• Experience in partnership development and government relations
• Experience in team leadership and organizational management
• Experience managing a P&L
• Proficiency in collaborative tools such as: the Google suite, Excel, Powerpoint, Slack, Notion, CRM tools
• Bachelor’s degree required; advanced degree/certifications preferred
• Strong communication and presentation skills - public speaking, ability to interact with media, regulators and other important stakeholders
• Manage local teams and coordinate with other internal stakeholder (ie. growth marketing, HR, and finance teams)

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You will be critical in the development and testing of marketing creatives & placements, campaign & budget planning and calendar management.

What You Will Be Doing

• Lead end-to-end paid search business strategy and campaign management process across marketing campaigns from setup to deployment to reporting, with an extreme focus on detail and flawless execution
• Drive channel acquisitions growth through understanding the competitive landscape, optimizing existing channel performance, and identifying new messaging, targeting, or capability opportunities
• Drive search, innovation, and trust strategies and build scalable plans to roll out across multiple countries and continents
• Work with Country Growth Managers to ensure strong local context of ad copy and creatives
• Lead our team’s regional search marketing strategy and coordination efforts and support country marketing partners to make search successful in their countries
• Collaborate closely with cross-functional partners and market to shape and land complex launches
• Maintaining sufficient knowledge of core digital marketing channels, including social media, SEO, content marketing, email marketing and programmatic to deliver omni channel consistency
• Lead the tracking, testing, and QA of all SEM campaigns for the accuracy, functionality, and documenting as necessary to ensure flawless execution
• Manage oversight of the SEM channel’s compliance operations; ensure that the channel acquires and maintains required targeting, creative, disclosures and modeling compliance approvals
• Support acquisition insights function, including reporting, tracking and forecasting to help evaluate program performance, and compiling / analysing campaign results across funnel metrics and KPIs to identify opportunities for growth or improvement
• Carry out a wide variety of associated duties that include (but are not limited to) web analytics and relevant keyword strategy & discovery.
• Execute tests, collect and analyse data, identify trends and insights
• Deliver insightful reporting on test results and performance of search campaigns
• Thoroughly check search campaigns for accuracy including copy, audience selections, tracking / URLs, and offer details
• Act as the liaison between the engineering team an marketing teams to gather all pertinent information for search campaigns

What You Should Have

• Proven SEM experience managing high volume PPC campaigns across search marketing platforms (Google, Yahoo, Bing Apple Search Ads)
• Extensive experience developing, optimising, analysing, and reporting on high volume paid search campaigns
• Strong knowledge of App acquisition is a big advantage
• Experience with data and product analytical tools such as Branch, Amplitude, and Google Analytics
• Familiarity with A/B and multivariate experiments. You enjoy setting up experiments and doubling down on the best results
• Deep knowledge of account set-up including tag and event management, and auditing conversions across reporting platforms
• An editor mindset, you constantly cut for clarity
• Ability to work in a fast paced, deadline-driven, hyper growth global startup environment
• Ability to be flexible with project timelines
• Ability to interface with internal teams including Marketing, Data Intelligence, Engineering, and Product
• A self-starter with strong work ethic – goes the extra mile without being asked
• Operator mindset, you get into the weeds and know how to lead agency teams to execute Chipper's growth strategy

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What You Will Be Doing

• As a Brand Manager at a fast-growing early-stage company, you will have the opportunity to create a massive impact; on the company, on the product, and, most importantly, on the lives and livelihoods of our users.
• We are a small team. You will be encouraged to engage in decision making that will establish the culture of design at Chipper Cash. There will be leadership roles available to early hires as the company continues to expand.
• Enjoy working from home? Coffee-shops? Co-working spaces? Pick any of the above! Our team is fully remote.
• We have a product team culture centered on open-communication, honest feedback, and personal responsibility. You will not be micromanaged.
• 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, London, Brazil, Accra, Lagos, and Nairobi.

What You Should Have

• Lead consumer insights for the global marketing team, becoming the ‘expert’ on consumer desires and behaviors in all our core markets (both African and Western)
• Engage stakeholders (primarily marketing and strategy teams) to understand their business questions and articulate research needs, and advise on the trade-off between precision, scope, time, and cost
• Translate research needs into relevant, actionable research questions and propose project execution plans
• Conduct research (both DIY and with vendors) using both qualitative and quantitative research techniques, working within budget constraints
• Synthesize research findings and communicate/share out relevant output to the stakeholders
• Drive insights widely through the organization, including training and developing teams

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What You Will Be Doing

You will work with staff reporting to the CCO, Chief Technology Officer (CTO), Chief Financial Officer (CFO), Chief Operations Officer (COO), Chief Executive Officer (CEO), and approved third party vendors to promote an appropriate risk-based approach. Your mission involves ensuring Chipper Cash is in compliance with regulatory obligations for its KYC/CDD/EDD and using approved tools and processes for customer onboarding, due diligence activities, and escalations (as required) in your work.

Responsibilities include, but are not limited to:

• You will assist the CCO in conducting day-to-day on-boarding activities on personal and business accounts in accordance with policies, procedures, and processes for Chipper Cash’s Business and regulatory obligations:
• You will lead the TI team in identifying key risks in the current client onboarding verification process and recommend strategies for future state design to mitigate AML risks while operationalizing efficiency and reducing account lead time,
• You will lead the T1 team in conducting due diligence (CDD) and initial analysis of enhanced due diligence (EDD) on new and existing customers in the case management system.
• You will lead the team in reviewing identification and other CDD/EDD documents for authenticity, completeness, and accuracy.
• You may gather data from various internal and external sources (from customers, any existing electronic files, etc.) to complete Know-Your-Customer (KYC) and Know-Your-Business (KYB) profiles.
• You perform Sanctions and Politically Exposed Persons (PEP) screening, investigating true positive hits and escalate for further review and approval to management.
• You perform initial Periodic Customer Reviews to ensure timeliness and accuracy of the review.
• You maintain sufficient understanding of products and services to recognize AML/CFT and Sanctions risks.
• You can provide AML/CFT guidance to staff and respond to related customer queries, often on a real-time basis, or escalate those queries, as required.
• You use your subject matter expertise in identification of trends, anomalies and patterns for suspicious activity and red flag indicators in the KYC/CDD/EDD area.
• You may be required to contribute to development of written policies, procedures, and processes aligned with the Group AML Policy to assist in these core duties, as well as designing and delivering on-the-job training related to same.
• You serve as a mentor to other analysts through sharing knowledge, expertise, and problem-solving discussions.
• You will perform any additional risk screening, analysis, and duties, as assigned.
• You work with management to identify professional development goals and opportunities, including on-the-job training/skills enhancement. 

What You Should Have

• Ability to adapt, learn the formal and on-the-job/mentor training to incorporate due diligence processes, systems, and technologies for best practices in client onboarding, CDD/EDD and Case management.
• A minimum of 2 years of experience in financial services or related role(s).
• Minimum 1 year of leading teams, formally or in matrixed, working groups, or project team settings.
• Detail oriented and able to work independently and within dispersed team environment.
• Strong English written, verbal communication and analytical skills required.
• Experience operating effectively across globally diverse businesses and matrixed environments on a variety of compliance issues required.
• Working knowledge and experience with AML/CFT/ Sanctions /Fraud regulations, risks, and typologies.
• Knowledge of mobile money ecosystem. Working knowledge of e-money, and regulations applicable to mobile and internet-based payment systems and related regulations and requirements preferred.
• Bachelor’s degree required; advanced degree/certifications preferred.
• Be a self-driven, self-starter. We’re a dedicated, hardworking team collectively motivated by our mission and vision.
• Have a global mindset. Even at our small size, we have a team that represents 10+ countries, and our global footprint of customers will continue to grow.

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What You Will Be Doing

Your role will assist in the process of developing and managing the compliance risk framework for Chipper Operations in South Africa in line with our global policies, as well as local regulatory  requirements. You will implement  and maintain appropriate licensing and meeting all reporting obligations to relevant governmental authorities.  You will work with staff reporting to the CCO and approved third party vendors to promote an appropriate risk-based approach. 

Your position will be dynamic as you oversee the work of the Risk and Compliance for all operations in South Africa, including in connection with our global teams including our  Investigators (Tier III), the AML Compliance Analysts (Tier II),  and Due Diligence Analysts (Tier I). Responsibilities include, but are not limited to the following as regards to South Africa:

• Develop, implement, and coordinate Chipper’s risk and  compliance frameworks for South Africa in consistency with Chipper’s strategic plans; 
• Review applicable legislation and regulatory requirements and advise LRC leadership on existing requirements and any changes thereto to  ensure that Chipper consistently complies with these compliance requirements; 
• Develop and monitor appropriate internal policies, processes, and  controls for Chipper in respect of key legal, regulatory, and ethical obligations; 
• Develop and implement appropriate risk assessment frameworks  to be used as a guide in identifying, eliminating, and mitigating risks  facing Chipper’s operations; 
• Identify potential areas of compliance vulnerability and risk and  develop/implement corrective action plans for resolution of  problematic issues while also providing general guidance on avoiding or  resolving similar future concerns; 
• Recommend and contribute to the improvement of the internal controls and operational environment based on the risk reviews within the  context of Chipper’s products while considering the overall business  environment and trends; 
• Oversee all compliance anti-money laundering and prevention of financing of  terrorism protocols, know- your-customer (KYC) and related policies for  Chipper’s products and liaising with appropriate regulatory authorities in  this regard under the supervision of the Global CCO. 
• Provide regular reports to keep the CCO informed of the operation and  progress of compliance activities;
• Conduct staff trainings; both at an introductory and continuous basis to all employees, to ensure a cogent understanding of new and existing compliance issues and related policies and procedures in respect of  Chipper’s business; 
• Actively contribute towards Chipper’s firm-building initiatives and  development of talented individuals by creating an environment for the  full development of the potential of Chipper personnel; 
• Travel as necessary and when required by Chipper during the execution of the  Employee’s duties; 
• Coordinate strategic and operational initiatives as the in-country MLRO as outlined in Chipper’s AML Program and risk  management, procedures, and guidance. 
• Carry out all licensing maintenance and reporting obligations, including, without limitation, preparing and filing all suspicious activity or equivalent reports;
• Any other duty or task that Chipper and its management may determine  from time to time

What You Should Have 

• You possess a minimum of 5+ years of experience in financial services related  role(s), with experience in several financial crimes underlying disciplines  (AML/CFT, sanctions, fraud, investigations, transaction monitoring, client due  diligence, agent due diligence). Candidates with less financial services  experience may be considered if in a relevant discipline. 
• You have a minimum of bachelor’s degree, advanced degree preferred, and  if you also have certification(s) from professional bodies relevant to the financial  services sector that’s a plus. 
• You have demonstrated subject matter expertise (mobile banking/mobile  payments/prepaid/ internet payments). 
• Knowledge of AML/CFT, sanctions, and fraud laws, rules, regulations, risks, and  typologies. 
• Supervisory experience in an investigative, financial crimes unit, or related  control area. 
• You gained experience operating effectively across globally dispersed teams. 
• You have demonstrated experience to independently manage, organize and  prioritize multiple tasks, projects, responsibilities, and competing priorities for  yourself and the team. 
• You possess excellent written, verbal English communication and analytical  skills, with the ability to articulate ideas to a diverse audience. 
• It is a plus if you have experience liaising with regulators and internal audit staff,  such as examinations, audit and reviews, document production, and issue  responses. 
• You possess excellent written, verbal English communication and analytical skills,  with the ability to articulate ideas to a diverse audience. 
• Be a self-driven, self-starter. We’re a dedicated, hardworking team collectively motivated by our mission and vision. 
• Have a global mindset. We have a team that represents  10+ countries, and our global footprint of customers will continue to grow. 

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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.

What You Will Be Doing

• Responsibilities include: 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

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

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As a Senior Product Engineer, you'll help build our flagship Chipper Cash product and entirely new products that the ecosystem has never seen before. You'll work cross functionally with various product teams to build and deliver engaging user experiences and performant user interfaces.

What You Will Be Doing

• Be an Owner: Own technical implementation and technical roadmap improvements of the Chipper Cash Mobile App.
• Build intuitive and delightful customer experiences that strengthen our reputation for a trusted payments brand.
• Build, test and ship customer facing features/products using tools and frameworks like React Native, Typescript, ES6, Node, and Redux.
• Raise the bar for product quality by maintaining a high baseline and quickly fixing and polishing UX issues.
• Design and contribute to the high-performance backend services that drive the mobile app.
• Refine and practice a strong sense of design and human-centered UX.
• Relentlessly pursue best in class engineering standards while still getting updates and new products into our users hands.

What You Should Have

• Empathy for building performant experiences for folks with low end devices, low disk space and slow internet connections.
• A true passion for user experience, as evidenced by an obsessive user focus, as well as an ability to render complexity down to its truest essence.
• An ability to collaborate with designers, product managers, and other Chipper product teams to come up with high-impact ways of quickly solving our users’ problems.
• You ship incrementally to move fast and can communicate how the team needs to handle product transitions.
• Thrive in a collaborative environment involving different functions, stakeholders, and subject matter experts.
• A desire to work with some of our most demanding and discerning customers.
• A passion for building amazing end-to-end experiences with an eye for design and quality.
• You are a champion for the customer and constantly put yourself in the shoes of your users, and strive to create an intuitive and delightful experience.

Ideally, You Should Have

• Commercial experience with Typescript.
• Experience with React and/or Node.
• Fintech experience.