Kuda is a full service, app-based digital bank. Our mission is to be the go-to bank not just for those living on the African continent, but also for the African diaspora wherever they might live, anywhere in the world. Kuda is free of ridiculous banking charges and great at helping customers budget, spend smartly and save more. We raised the largest seed round ever seen in Africa, and completed a Series A funding round in February 2021, led by some of the world's smartest venture capital investors. With offices in London (our HQ), Lagos and Cape Town, and further offices opening across Africa during 2021, Kuda is fast becoming recognised as the leading 'Neobank' for Africans.
To help us grow into the company that can bring meaningful change to the way people across Africa get access to great financial products and services in order to take control of their personal finances, we are actively looking for bright, talented, driven people who are excited by our mission. If this sounds like a great way to spend your valuable time, then please get in touch with us.
Responsibilties
Own product strategy:
- Define and execute the product vision for your area, ensuring alignment with Kuda's broader Credit strategy.
- Continuously identify opportunities to unlock new lending use cases and improve existing customer journeys.
- Develop ambitious product roadmaps focused on customer value, portfolio performance, and business growth.
Build products customers love:
- Create AI-powered customer experiences and intelligent decisioning, leveraging the latest advances in AI to create faster, smarter, and more personalised lending experiences, while continuously identifying opportunities to improve how our teams build, operate, and scale products.
- Balance customer experience with responsible lending principles.
- Obsess over every step of the customer journey - from first application to final repayment.
Depending on your area of ownership, you'll help shape products across the entire credit ecosystem, including:
- Credit line management
- AI-powered customer’s credit experiences and decision making
- Customer application journey
- Real-time lending experiences
- Internal tools that improve credit operations efficiency
- Overdrafts and personal loans
- Credit decisioning and underwriting
- Repayment and collections experiences
- Portfolio optimisation and customer lifecycle management
- Pricing and behavioural interventions
Drive measurable business impact:
- We do not measure success by features shipped, we measure it by outcomes delivered.
- You'll own meaningful business outcomes such as credit revenue, portfolio profitability, approval rates, lending growth, credit operational efficiency, and beyond.
Make data your superpower:
- Use quantitative and qualitative insights to make informed decisions.
- Define product metrics and success criteria.
- Build hypotheses using customer insights, behavioural data, and experimentation.
- Run experiments, evaluate results, and iterate quickly.
Work across the organisation:
- This role requires influence without authority. You'll bring people together around a shared vision and drive execution across multiple teams.
- You'll work daily across various teams, and leadership levels.
Deliver at speed:
- We're builders. You'll continuously prioritise opportunities, remove ambiguity, unblock teams, and ship improvements quickly while maintaining high quality.
Requirements
- Excellent product intuition supported by rigorous data analysis.
- Experience working closely with Engineering and Data Science teams.
- Hands-on experience building and scaling retail credit or lending products.
- Proven ability to define strategy and execute in fast-moving environments.
- Excellent prioritisation and decision-making skills.
- Strong understanding of customer journeys across the full lending lifecycle.
- Deep understanding of unsecured lending, credit cards, overdrafts, personal loans, BNPL, or similar products.
- High ownership and accountability; you naturally think like a founder.
- Outstanding communication and stakeholder management abilities.
- 7+ years of Product Management experience, with significant ownership of complex customer-facing products.
- AI-first mindset: you're obsessed with finding practical applications of AI, not just using LLMs for writing or coding, but rethinking products, processes, and customer experiences around what AI makes possible. You constantly experiment with new tools and translate them into measurable business impact.
