Summary
Kuda, which means ‘love’ in Shona, is more than a fintech - it’s a movement to make financial services accessible, affordable, and truly rewarding for every African.

Backed by over $100 million from some of the world’s most respected investors, we’re building a smarter alternative to traditional banking - offering seamless money transfers, business banking, and instant access to credit, all through your device.

At Kuda, we don’t just build products - we build people. We share the love in how we collaborate, carry everyone along as we grow, break boundaries to challenge what’s possible, and show up every day committed to doing better.

If you’re driven by purpose, excited by impact, and ready to help redefine the future of finance in Africa, you’ll feel right at home here.

Role Overview
This role is responsible for managing and mitigating risks while ensuring alignment with the bank's risk appetite to support stable and positive returns. The position aims to protect the bank from significant losses that could result from poor business strategies, challenges in executing these strategies, or the failure to adjust strategies in response to changes in the business landscape. The role involves identifying, evaluating, and addressing risks to maintain the bank's financial stability and to ensure strategies are effectively implemented and adapted as needed.

Responsibilities

• Analyze and monitor the Bank’s Portfolio, Asset Quality, Liquidity and Capital Wellness 
• Evaluate the impact of all significant loans on Banks’s Capital, Profitability and Portfolio Concentration 
• Monitor compliance with all regulatory and internal limits 
• Risk reporting to MRC and BRMC to ensure they are aware of significant risks to the Bank, and to enable them perform their over-arching functions 
• Provide metrics and reports as requested from Rating Agencies, other External and Internal parties, and for Investor Relation ratios 
• Preparation of the portfolio plan for the Bank based on the budget proposal of the Bank. 
• Ensure prompt rendition of Capital Adequacy Ratio report to CBN 
• Computation of ECL in compliance with IFRS 9 standard 
• Prepare ECL movement schedule of the Bank at intervals for both internal and External (CBN, NDIC & Auditor) purposes  
• Preparation of monthly sectoral distribution and limit 
• Conduct stress testing and scenario analysis (internal and regulatory) for the Bank. 
• Manage the collateral register

Requirements

• First Degree in numerate disciplines preferably accounting, statistics, economics and mathematics. 
• Minimum of 8 years cognate experience preferably in audit or banking industry 
• Proven experience in risk management, portfolio analysis, and regulatory reporting within the financial services sector.
• Strong understanding of capital adequacy, liquidity, IFRS 9 standards, and regulatory compliance requirements.
• Proficiency in financial modeling, credit risk analysis, and stress testing methodologies.
• Excellent analytical and reporting skills with the ability to interpret complex data and provide actionable insights.
• Advanced knowledge of financial systems and tools (e.g., Excel, Power BI, or similar), with experience in preparing regulatory reports and investor relations metrics.

Benefits

At Kuda, our people are the heart of our business, so we prioritize your welfare. We offer a wide range of competitive benefits in areas including but not limited to:

💜A great and upbeat work environment populated by a multinational team

👴Pension

📈Career development & growth

😁Competitive annual leave plus bank holidays

🎁Competitive paid time off (Parental, Moving day, Birthday, Study leave etc)

💯Group life insurance

💖Medical insurance

🎁Well-fare package (Wedding, Compassionate and etc)

✅Perkbox

🏃‍♀️Goalr - employee wellness app

🥇Award winning L&D training

💒 We are advocates of work-life balance, working in a hybrid in office schedule

Kuda are proud to be an equal opportunity employer. We value diversity and anyone seeking employment at Kuda is considered based on merit, qualifications, competence and talent.

We don’t regard colour, religion, race, national origin, sexual orientation, ancestry, citizenship, sex, marital or family status, disability, gender, or any other legally protected status. If you have a disability or special need that requires accommodation, please let us know.