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Location: Lagos, Nigeria Product Strategy & Ownership Own the end-to-end product strategy for all bill payment and transfer products, including: Airtime and mobile data purchases Utility bill payments (electricity, cable television, internet, etc.) Bank-to-bank transfers Translate Renmoney’s long-term digital banking strategy into a clear roadmap for payments. Define how payments support: Daily customer engagement Deposit inflows and account usage Cross-sell into savings and lending products Define value propositions for different customer segments, including retail customers and small business users. Payments Performance & Commercial Outcomes Own key performance indicators for payments, including: Transaction volumes and values Success and failure rates Revenue from fees or commissions Cost per transaction Work closely with Finance to: Optimize transaction pricing and incentives Manage partner costs and margins Track the impact of payments on deposit balances Identify opportunities to improve unit economics without degrading customer experience. Execution & Delivery Lead cross-functional delivery with: Engineering teams building mobile, web, and backend systems Design teams responsible for user experience Operations and Customer Support teams handling exceptions and disputes Write clear Product Requirement Documents , which describe what is being built, why it matters, and how success will be measured. Prioritize initiatives based on customer impact, reliability, compliance, effort, and business value. Ensure payment and transfer flows are fast, intuitive, and resilient, even during peak usage periods. Reliability, Risk & Compliance Ensure payments products meet regulatory and operational requirements, including: Rules set by the Central Bank of Nigeria , which regulates banking and payment services Requirements from the Nigeria Inter-Bank Settlement System , which operates national payment infrastructure Data privacy rules under the Nigeria Data Protection Regulation Partner with Risk and Compliance teams to manage: Fraud risks Transaction disputes and reversals Customer protection and error handling Represent payments initiatives in the Product Governance Council , which approves and oversees all product changes. Partner & Ecosystem Management Own product relationships with external partners such as: Payment processors Utility service providers Telecommunications companies Define service-level expectations, which set standards for uptime, response times, and issue resolution. Work with Legal, Procurement, and Operations to ensure partner integrations are scalable and compliant. Customer Experience & Growth Improve adoption and repeat usage of bill payments and transfers through: Simple onboarding and clear user flows Transparent pricing and confirmations Fast issue resolution when transactions fail Use payments as a driver of daily engagement that increases: Account funding Customer lifetime value Work with Analytics teams to understand usage patterns and identify growth opportunities. Requirements 6–10+ years of Product Management experience Direct experience with payments, transfers, or transaction-heavy digital products Experience working in regulated financial or fintech environments Proven track record of delivering reliable, high-volume systems Experience collaborating with Finance, Risk, Compliance, and Operations teams Skills & Competencies Strong understanding of payment flows and transaction lifecycles Ability to balance speed, reliability, risk, and cost Data-driven decision-making with strong execution discipline Clear communicator, comfortable engaging senior leadership High ownership mindset and attention to detail Nice-to-Have Experience with large-scale payment platforms or utility integrations Exposure to fraud prevention or dispute management systems Experience in high-growth fintech or digital banking environments Familiarity with analytics and monitoring tools for transaction performance Key Stakeholders Head of Product Engineering and Design teams Operations and Customer Support Finance and Treasury teams Risk Management and Compliance teams Executive Management, including: Chief Executive Officer Deputy Chief Executive Officer Product Governance Council Success Metrics (First 12–18 Months) High and improving transaction success rates Growth in payment transaction volumes and active users Reduced transaction failure rates and customer complaints Strong partner reliability and service performance Clear contribution of payments to customer engagement and deposits Benefits Opportunity to build products customers use every day High-impact role at the heart of Renmoney’s digital banking strategy Strong executive visibility and ownership A chance to shape reliable, scalable payment infrastructure in Nigeria

Location: United States (Remote) Workplace: Remote ABOUT ONEPAY OnePay is the consumer fintech trusted by millions of Americans to make money better. Our financial system is broken. High fees, low rates, and too few ways to actually grow your money. We’re fixing it. And we’re moving fast. We’re an all-in-one financial services platform that brings together banking, high-yield savings, credit cards, point-of-sale lending, investing, and crypto in one place. We also partner with employers, HCM providers, gig platforms, and others to deliver embedded financial services to millions of employees and frontline workers. We’re backed by Walmart, the world’s largest retailer, and Ribbit Capital, one of fintech’s most respected investors, giving us rare scale, distribution, and the opportunity to build something truly category-defining. But what really sets OnePay apart is how we move. Our customers don’t have time to wait… and neither do we. This place moves fast, and we’re looking for people who are: - Ready to run - Hungry and driven by urgency - Exceptional at what they do, with low ego - Comfortable operating in motion THE ROLE As a Software Engineer at OnePay, your work will build the products & systems that serve our customers and run our company. You will play a crucial role in translating product visions into functional, high-quality applications and features. You will work closely with product managers, designers, and other engineers to deliver impactful solutions that enhance our customer's financial lives. You will: - Develop and implement new features, API's, and products. - Work closely with other engineers to ship code. We enjoy collaboration and partnering on hard problems.  - Architect and designing highly scalable and reliable products. - Building and maintaining documentation. As a growing and remote organization, having the necessary documentation is key to our success.  - Solve complex problems that arise at scale. We deal with real-world money movement and sensitive financial data at scale and are creating novel financial mechanics with no real precedent. YOU BRING - 5+ years of professional experience in product-facing backend development. - Strong track record of delivering high-impact features and products. - Experience building, maintaining, and optimizing API's. - Curiosity and passion for emerging AI tooling, with practical experience incorporating tools such as Cursor, GitHub Copilot, and Claude into real-world execution. - Drive and proactivity - everyone here is a builder and executor TOOLS WE USE We use Typescript front to back, with node and NestJS frameworks for server code and React Native for our iOS, Android, and Web clients. We run on a highly distributed cloud-native stack with Kubernetes and AWS, and scale and resiliency are at the heart of everything we build. We also embrace agentic development, so engineers have their choice of a variety of models and agent harnesses, including Claude Code, Cursor, Codex, and more to fit their workflow. While you don't need experience with our exact stack, familiarity with modern software engineering practices will help you ramp up quickly. WHAT WE OFFER - Competitive base salary, stock options, and health benefits from Day 1 - 401(k) plan with company match - Remote-friendly (US), flexible time off (FTO), and opportunities for growth - A high-growth, mission-driven, inclusive culture where your work has real impact STANDARD INTERVIEW PROCESS Our process varies by role. Most candidates go through: - AI-assisted initial screen - Interview with Talent Partner - Technical or Hiring Manager Interview - Team Interview - Executive Interview - Offer! EQUAL EMPLOYMENT OPPORTUNITY To build technology and products that are used and loved by people and solve real-world problems, we need to build a team with many different perspectives and experiences. We are an equal opportunity employer. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status. We encourage candidates from all backgrounds to apply. Applicants in need of special assistance or accommodation during the interview process or in accessing our website may contact us at talent@onepay.com.

Location: Lagos, Nigeria The Treasury Manager is responsible for managing Renmoney’s liquidity, funding, and treasury risk framework, ensuring adequate liquidity to support loan growth, optimizing funding costs, and maintaining strict compliance with CBN regulations applicable to finance companies and microfinance-regulated entities (where applicable). The role provides leadership in liquidity forecasting, scenario analysis, stress testing, funding strategy execution, ALCO support, and stakeholder management, while upholding the highest standards of integrity, governance, and regulatory compliance. Key Responsibilities 1. Liquidity Management & Forecasting Own and manage Renmoney’s daily, weekly, and medium-term liquidity position Develop and maintain cash flow forecasts aligned with loan disbursement and repayment cycles Ensure adequate liquidity buffers in line with internal policy and regulatory expectations Monitor liquidity ratios, early-warning indicators, and funding gaps 2. Scenario Analysis & Stress Testing Design, implement, and review liquidity stress tests and scenario analyses (base, adverse, and severe) Assess the impact of funding withdrawals, market shocks, and portfolio stress Recommend contingency funding actions and risk mitigation strategies Present stress-testing outcomes and recommendations to ALCO and Senior Management 3. Funding Strategy, Markets & Execution Develop and execute funding strategies across bank borrowings, Commercial Paper (CP), REPOs, and alternative funding structures Demonstrate a strong understanding of money market instruments and derivative products used for funding and risk management Monitor market conditions, pricing trends, investor appetite, and rollover risks Optimize cost of funds within approved liquidity and risk limits 4. Commercial Paper (CP) & Capital Markets Support the structuring, issuance, and management of Commercial Paper programmes Liaise with issuing houses, trustees, rating agencies, and investors Monitor CP maturity profiles and refinancing risks Ensure compliance with regulatory, documentation, and disclosure requirements 5. Banking & Counterparty Relationship Management Build and maintain strong relationships with deposit money banks, financial institutions, and market counterparties Negotiate funding lines, pricing, covenants, and terms Manage counterparty concentration and diversification Act as Renmoney’s primary treasury interface with banking partners 6. ALCO & Management Reporting Prepare and present comprehensive ALCO packs, including liquidity dashboards, funding analysis, stress-testing results, and market outlook Provide clear, actionable recommendations to ALCO Track and implement ALCO decisions and resolutions 7. Risk Management, Controls & Regulatory Compliance Ensure full compliance with CBN regulations, including requirements applicable to Microfinance Banks and finance companies (as relevant) Ensure adherence to internal treasury policies, approval limits, and delegation of authority Maintain strong treasury controls, segregation of duties, and audit trails Support internal audit, external audit, and CBN examinations 8. Stakeholder Management (Internal & Regulatory) Collaborate effectively with Finance, Risk, Compliance, Operations, and Business Teams Support engagement with regulators and respond to regulatory inquiries Translate regulatory developments into operational and policy actions 9. People Management, Ethics & Leadership Lead, mentor, and develop treasury team members Review and validate treasury analyses and reports Foster a culture of integrity, accountability, professionalism, and compliance Requirements Education Bachelor’s degree in Finance, Accounting, Economics, or Business Administration MBA or MSc Finance – added advantage Professional, Regulatory & Mandatory Certifications Mandatory / CBN-Recognised Microfinance Certification Programme (MCP) – mandatory or in progress, in line with CBN requirements for Microfinance Bank and regulated financial institution staff Professional Certifications (Strongly Preferred) CIBN (Associate or Full Member) ACI Dealing Certificate or ACT (AMCT / CTP) CFA (Level I or II) or FRM – added advantage Evidence of continuous professional development Analytical & Technical Skills Advanced liquidity modelling and forecasting Strong scenario analysis and stress-testing expertise Deep understanding of money market instruments, CP market, REPOs, and funding derivatives Strong quantitative and financial analysis capability Technical & Computer Skills Advanced Microsoft Excel (financial models, dashboards, sensitivity analysis) Strong PowerPoint skills for ALCO and senior management presentations Experience with treasury management systems and core banking platforms People Skills & Personal Attributes High ethical standards and integrity Strong leadership and mentoring ability Sound judgment and risk awareness Ability to work under pressure in dynamic environments Communication, Presentation & Stakeholder Skills Strong presentation skills at ALCO and the executive level Ability to explain complex treasury and market concepts clearly Strong negotiation and relationship-management capability 7–10 years of experience in Treasury, Financial Markets, or Banking / Non-Bank Financial Institutions Strong exposure to liquidity management, funding structures, CP issuance, and ALCO processes Experience in a microfinance or consumer lending environment is an advantage Key Performance Indicators (KPIs) Liquidity adequacy and stability Funding cost optimization Effectiveness of stress testing and scenario analysis Compliance with regulatory and treasury limits Quality of ALCO reporting and stakeholder engagement

Location: Hong Kong About Aura by Hex Trust Aura by Hex Trust is the private wealth business of Hex Trust. We bring institutional-grade digital asset infrastructure - custody, trading, yield, structured products - to high net worth (HNW) individuals and family offices, delivered through a Relationship Manager–led model backed by an easy-to-use app. The wealth opportunity in digital assets is one of the most underserved segments in the industry. HNW clients want exposure but lack a trusted, regulated, full-service partner. Aura fills that gap, combining the security and licensing of Hex Trust with the personal service private clients expect. About Hex Trust Hex Trust is a fully-licensed digital asset financial institution building the infrastructure institutions use to operate in crypto. Custody, staking, capital markets, investment solutions, payments, fiat ramping, RWAs, and tokenization — all on one regulated platform. Founded in 2018, we're licensed across multiple jurisdictions (HK, SG, Dubai, SVG). As institutional capital moves into crypto and the RWA and payments narratives accelerate, we're one of the few players who can serve institutions as a fully-regulated, one-stop-shop partner. We serve 600+ institutional clients globally: funds, family offices, banks, foundations, token issuers, payment firms, OTC desks, and corporates. We're well-capitalized, growing consistently, and built on a sustainable model. We operate 24/7 from hubs in Hong Kong, Singapore, Dubai, and Vietnam. You'll work alongside a senior commercial team, own real institutional relationships, and get exposure to the most active parts of the market. We're scaling fast. If you want to sell into the institutional side of crypto at a firm that's actually licensed to do it, this is the place. Position Summary We offer an attractive, formula-based, uncapped bonus structure tied directly to revenue, paid quarterly. As a Relationship Manager at Aura, you'll originate and grow your own book of HNW and family office clients on a fresh platform. You'll have direct access to the full Hex Trust group - institutional products, regulated infrastructure, and senior leadership -  and real influence over product direction as we scale. This is an early-stage hire. If you're an experienced wealth or sales professional looking to build something rather than inherit it, this is the seat. Duties & Responsibilities Establish and grow long-term relationships with HNW clients , family offices, and private wealth channels, contributing to increased AUM, trading volume, and product adoption Cultivate and expand partnerships with relevant distribution partners and intermediaries to further drive growth in AUM. Lead prospect and client meetings, clearly articulating Hex Trust’s value proposition and capturing feedback for continuous improvement. Identify cross-selling opportunities across trading, structured products, and lending solutions to deepen client engagement. Work with Marketing Team to identify and support activities designed to attract and activate client base Oversee smooth onboarding and ongoing relationship management in collaboration with compliance, legal, and operations. Deliver best-in-class, white-glove service—positioning Hex Trust as a trusted partner for private clients and family offices in digital assets. KPIs: No. of clients, Revenue, Assets on Platform, Net New Money Requirements 5–15 years of experience in relationship management, private banking, wealth management, and/or institutional/crypto financial services. Demonstrated success in growing AUM and managing sophisticated private clients or family office accounts. Strong knowledge of financial markets and investment products; digital asset familiarity required. Proven ability to deliver high-touch, client-first service in a demanding environment. Excellent communication, presentation, and negotiation skills with credibility in front of senior stakeholders. Entrepreneurial, adaptable, and proactive in identifying solutions and opportunities. Fluency in English required; additional languages (e.g., Mandarin, Arabic) are highly valued. Candidates who do not tick all the boxes are still encouraged to apply, those with less experience will still be considered for the position but with relevant adjustments to seniority. Benefits As one of the leading Web3 innovators, Hex Trust offers a front-row seat in the ever-changing blockchain & crypto industry. We genuinely believe that people are our greatest asset, and invest heavily so they’re best prepared to support our mission to unlock ownership in decentralized markets! You will be joining a company that is always committed to creating a supportive & inclusive environment that promotes personal and professional growth that furthers your success and drives innovation, collaboration, and passion in the blockchain space. At Hex Trust, we are proud of our H.E.X. culture: Heart Empowerment Xcellence Join us at Hex Trust and not only can you look forward to working with blockchain professionals to build the decentralized future, but also: Competitive Salaries & Bonuses Generous Amounts of Paid Time Off (incl. leave for Birthdays, Work Anniversary, and Mental Health etc.) Access to Corporate Discounts and exclusive Employer Perks Medical & Retirement Plans Professional Learning and Development Opportunities Elevate your work using cutting-edge technology Fun & friendly office spaces in Hong Kong, Singapore, Dubai and Vietnam Regular company & social events Hex Trust is an equal-opportunity employer devoted to diversity and inclusion in the workplace. We do not discriminate on the basis of race, religion, colour, national origin, gender, sexual orientation, age, marital status or disability status.

Location: London, England; New York Workplace: hybrid About us   Aave Labs began with a simple question: how do we make financial services like borrowing, saving, and earning more accessible globally?   We built the Aave Protocol, now the world’s largest and most trusted onchain lending market, connecting decentralized finance with individuals, traditional finance, and fintech.   Today, we build trusted, high-quality products that expand access to lending, credit, and savings globally   Our culture   We build trusted products that help people access and discover economic opportunities.   We hold a high bar for quality and craftsmanship. No detail is too small. Trust depends on it.   We’re a global team building products people can actually use, turning complex technology into something simple and reliable.   We stay aligned, move quickly, and think long term, while keeping teams lean and focused on impact.   About the role We’re looking for a Solutions Engineer to join the Business Development team at Aave Labs, sitting at the intersection of engineering and business development. This role is critical to helping partners successfully integrate with and build on top of Aave’s infrastructure – translating commercial opportunities into clear, scalable technical solutions. You'll work across Product, Engineering, and Business Development to develop, package, and document solutions built around Aave's earn and borrow products. This is a hands-on role focused on building reference architectures, prototypes, and integration materials that enable partners to adopt Aave's infrastructure quickly and confidently, ensuring Business Development has the technical assets they need to present clear, scalable solutions to partners. How you can make an impact: Collaborate with Business Development and Product during pre-sales engagements to architect and present tailored integration solutions Develop and package solution materials around Aave's earn and borrow products that help partners visualise how Aave fits into their existing stack and broader product strategy Equip Business Development with the technical assets, documentation, and prototypes needed to present solutions to partners effectively Design and document reference architectures, SDK templates, and integration patterns that reduce friction and accelerate partner adoption Build and test proofs of concept, demos, and example integrations that showcase best practices and unlock partner momentum Troubleshoot and resolve technical challenges during integration, ensuring smooth launches and strong post-deployment performance Work closely with Engineering and Product to relay partner needs, surface technical insights, and influence roadmap priorities Keep internal stakeholders aligned on timelines, dependencies, and progress across multiple concurrent partner integrations Let's connect if you have: 4+ years of experience in solutions architecture, partner engineering, or blockchain development, ideally within Fintech, Crypto, or Web3 Strong technical fluency and the ability to understand and read Solidity, Typescript, and Rust (hands-on coding experience is a plus) Proven ability to translate business goals and partner requirements into clear, scalable technical designs Excellent communication skills, with the ability to confidently engage both technical and non-technical stakeholders Comfort managing multiple partner integrations simultaneously, operating autonomously, and maintaining momentum across projects A strong curiosity for DeFi and a genuine enthusiasm for how open financial infrastructure is evolving Haven’t quite met all the criteria? Let’s not miss out on the chance to speak. Whilst you might not meet every single requirement, you might bring other, more exciting skills to the companies!   Equal opportunities statement:   Aave Labs celebrates diversity and views each and every team member as a separate individual with their own unique identity. No matter your race, religion, gender, ethnicity, age, disability, sexual orientation or even the wallet you use, we welcome you at Aave Labs. As an equal opportunities employer, we take accountability and believe in everyone's potential to build, create and inspire changes. With a mission to build a diverse workforce, we are proud to foster a working environment in which everyone can feel safe and valued for who they are.

Location: Dubai, United Arab Emirates; Riyadh, Saudi Arabia; Istanbul, Turkey About Aura by Hex Trust Aura by Hex Trust is the private wealth business of Hex Trust. We bring institutional-grade digital asset infrastructure - custody, trading, yield, structured products - to high net worth (HNW) individuals and family offices, delivered through a Relationship Manager–led model backed by an easy-to-use app. The wealth opportunity in digital assets is one of the most underserved segments in the industry. HNW clients want exposure but lack a trusted, regulated, full-service partner. Aura fills that gap, combining the security and licensing of Hex Trust with the personal service private clients expect. About Hex Trust Hex Trust is a fully-licensed digital asset financial institution building the infrastructure institutions use to operate in crypto. Custody, staking, capital markets, investment solutions, payments, fiat ramping, RWAs, and tokenization — all on one regulated platform. Founded in 2018, we're licensed across multiple jurisdictions (HK, SG, Dubai, SVG). As institutional capital moves into crypto and the RWA and payments narratives accelerate, we're one of the few players who can serve institutions as a fully-regulated, one-stop-shop partner. We serve 600+ institutional clients globally: funds, family offices, banks, foundations, token issuers, payment firms, OTC desks, and corporates. We're well-capitalized, growing consistently, and built on a sustainable model. We operate 24/7 from hubs in Hong Kong, Singapore, Dubai, and Vietnam. You'll work alongside a senior commercial team, own real institutional relationships, and get exposure to the most active parts of the market. We're scaling fast. If you want to sell into the institutional side of crypto at a firm that's actually licensed to do it, this is the place. Position Summary We offer an attractive, formula-based, uncapped bonus structure tied directly to revenue, paid quarterly. As a Relationship Manager at Aura, you'll originate and grow your own book of HNW and family office clients on a fresh platform. You'll have direct access to the full Hex Trust group - institutional products, regulated infrastructure, and senior leadership -  and real influence over product direction as we scale. This is an early-stage hire. If you're an experienced wealth or sales professional looking to build something rather than inherit it, this is the seat. Duties & Responsibilities Establish and grow long-term relationships with HNW clients , family offices, and private wealth channels, contributing to increased AUM, trading volume, and product adoption Cultivate and expand partnerships with relevant distribution partners and intermediaries to further drive growth in AUM. Lead prospect and client meetings, clearly articulating Hex Trust’s value proposition and capturing feedback for continuous improvement. Identify cross-selling opportunities across trading, structured products, and lending solutions to deepen client engagement. Work with Marketing Team to identify and support activities designed to attract and activate client base Oversee smooth onboarding and ongoing relationship management in collaboration with compliance, legal, and operations. Deliver best-in-class, white-glove service—positioning Hex Trust as a trusted partner for private clients and family offices in digital assets. KPIs: No. of clients, Revenue, Assets on Platform, Net New Money Requirements 5–15 years of experience in relationship management, private banking, wealth management, and/or institutional/crypto financial services. Demonstrated success in growing AUM and managing sophisticated private clients or family office accounts. Strong knowledge of financial markets and investment products; digital asset familiarity required. Proven ability to deliver high-touch, client-first service in a demanding environment. Excellent communication, presentation, and negotiation skills with credibility in front of senior stakeholders. Entrepreneurial, adaptable, and proactive in identifying solutions and opportunities. Fluency in English required; additional languages (e.g., Mandarin, Arabic) are highly valued. Candidates who do not tick all the boxes are still encouraged to apply, those with less experience will still be considered for the position but with relevant adjustments to seniority. Benefits As one of the leading Web3 innovators, Hex Trust offers a front-row seat in the ever-changing blockchain & crypto industry. We genuinely believe that people are our greatest asset, and invest heavily so they’re best prepared to support our mission to unlock ownership in decentralized markets! You will be joining a company that is always committed to creating a supportive & inclusive environment that promotes personal and professional growth that furthers your success and drives innovation, collaboration, and passion in the blockchain space. At Hex Trust, we are proud of our H.E.X. culture: Heart Empowerment Xcellence Join us at Hex Trust and not only can you look forward to working with blockchain professionals to build the decentralized future, but also: Competitive Salaries & Bonuses Generous Amounts of Paid Time Off (incl. leave for Birthdays, Work Anniversary, and Mental Health etc.) Access to Corporate Discounts and exclusive Employer Perks Medical & Retirement Plans Professional Learning and Development Opportunities Elevate your work using cutting-edge technology Fun & friendly office spaces in Hong Kong, Singapore, Dubai and Vietnam Regular company & social events Hex Trust is an equal-opportunity employer devoted to diversity and inclusion in the workplace. We do not discriminate on the basis of race, religion, colour, national origin, gender, sexual orientation, age, marital status or disability status.

Location: New Cairo City, Egypt; Riyadh, Saudi Arabia; Delhi, India; Tallinn, Estonia Müller's Solutions is seeking a skilled Temenos Transact Functional Consultant to join our team to to play a pivotal role in the implementation, customization, and support of our Temenos Transact (formerly T24) core banking system. he ideal candidate will bridge the gap between business needs and technical solutions, ensuring the platform is configured to optimize banking operations. You will be responsible for analyzing business processes, gathering requirements, and delivering functional solutions that meet the highest standards of quality and efficiency. Responsibilities: Requirement Analysis & Solution Design: Collaborate with business stakeholders, product owners, and end-users to gather, analyze, and document business requirements. Functional Configuration: Configure and customize the Temenos Transact system to meet specific business needs across various modules (e.g., Retail Banking, Deposits, Lending, Payments, Treasury). Module Expertise: Provide deep functional expertise in key Temenos Transact domains such as: Retail & Corporate Banking: Account creation, Customer Information, Transactions. Debits: Savings, Current, and Term Deposit accounts. Customization & Development: Work closely with technical teams to specify and validate the development of customizations, including new fields, versions, menus, and routines using Temenos TAFC/TAFJ. Testing & Quality Assurance: Lead and participate in system testing cycles—including Unit Testing, SIT (System Integration Testing), and UAT (User Acceptance Testing)—to ensure solutions are fit for purpose. Implementation & Support: Support the end-to-end implementation lifecycle, including data migration, go-live, and post-production support. Troubleshoot and resolve functional issues. Training & Documentation: Create detailed functional specification documents, configuration guides, and user manuals. Conduct training sessions for end-users and key stakeholders. Best Practices: Advocate for and implement Temenos best practices and standards in all project phases. Requirements Requirements: Bachelor's degree in Finance, Information Technology, or a related field. Experience with Temenos Data Migration tools (e.g., TEMENOS Data Migration Studio). Familiarity with the TAFJ (Temenos Application Framework for Java) environment and ability to interact effectively with technical developers. A minimum of 5 years of experience with Temenos Transact or similar banking software solutions. Strong understanding of banking operations and financial services is essential. Experience with Temenos product configurations, functional specifications, and user documentation. Excellent analytical skills to understand and address client needs effectively. Strong communication and interpersonal skills to collaborate with clients and team members. Ability to manage multiple tasks and deliver results in a time-sensitive environment. Temenos certification or equivalent training is a plus. Bachelor’s degree in Finance, Business Administration, Computer Science, or a related field. Benefits Why Join Us: Opportunity to work with a talented and passionate team. Competitive salary and benefits package. Exciting projects and innovative work environment.

Location: Lagos, Nigeria Renmoney is building the next-generation ecosystem for financial services in Nigeria, spanning retail savings, lending, digital banking, SME services and partnerships. As we expand beyond our mobile app, we are developing alternate channels that bring financial services closer to customers wherever they are. As Product Manager for Alternate Channels, you will act as the CEO of a pivotal business line. You will own the strategy, roadmap and commercial success of our alternate channels portfolio, covering agent banking, POS merchant acquiring, Distribution-led acquisition, banking, lending, and embedded finance (BaaS) partnerships. You will build products and platforms that put Renmoney’s services in the hands of every Nigerian, transforming corner shops into financial hubs and everyday apps into credit access points. This role demands strategic vision, hands-on execution, and strong commercial acumen. You will manage the P&L, collaborate with cross-functional teams, and ensure that our channels deliver profitable growth while adhering to regulatory requirements. Key Responsibilities 1. Strategic Leadership & Vision Develop and champion a compelling product vision for alternate channels, aligned with Renmoney’s mission of financial inclusion and business growth. Own the P&L for the alternate channels portfolio, setting pricing and revenue targets and managing costs to ensure profitability. Conduct market analysis, competitor benchmarking and customer research to identify new opportunities across agent banking, POS acquiring, distribution-led lending and embedded finance. Shape short- and long-term roadmaps for each channel, driving synergy with Renmoney’s core digital products. 2. Product Lifecycle Management & Execution Lead the end-to-end product development lifecycle from ideation, requirements gathering and user story creation to launch, iteration and retirement. Agent Banking: Design and enhance the agent platform (mobile and USSD) to facilitate deposits, withdrawals, transfers, bill payments and loan origination. Build a best-in-class agent onboarding and management system. POS Merchant Acquiring: Develop a differentiated value proposition for merchants. Oversee the strategy for POS devices, settlement processes and value-added services such as merchant lending and inventory management. Distribution-Led Lending: Design and launch credit products that can be offered through partners (e.g., retail chains, device financiers, agent networks), balancing growth with prudent risk management. Embedded Finance (BaaS): Define our API product suite, enabling third-party fintechs and businesses to integrate Renmoney’s credit and financial services into their platforms. 3. Growth, Efficiency & Customer Experience Collaborate with Sales and Marketing to design and execute acquisition and activation strategies for agents and merchants. Drive performance against numeric targets Increase the number of active agents and merchants by ≥30% year-over-year. Grow the value and volume of loans and savings balances disbursed via alternate channels by ≥40%. Reduce onboarding and transaction turnaround times by ≥25%. Improve cost per acquisition (CPA) by ≥15% while maintaining healthy unit economics. Establish feedback loops with agents, merchants and partners and use data to drive continuous improvement in product features and processes. Champion a world-class experience for all stakeholders and ensure high Net Promoter Scores (NPS), targeting a ≥20‑point improvement. 4. Compliance & Risk Management Ensure all alternate channels adhere to Central Bank of Nigeria (CBN) regulations and other applicable standards. Maintain 100% KYC compliance and zero major regulatory incidents. Work closely with Risk, Compliance and Legal teams to design products and processes that minimize fraud and support robust credit risk management. Maintain a non-performing loan (NPL) rate below 5% for loans disbursed via alternate channels. Lead regular audits and embed controls throughout the product lifecycle. Success Metrics / KPIs Your performance will be measured against clear, quantifiable KPIs that directly tie to business outcomes: • Scale & Reach: ≥30% YoY growth in active agents and merchants; monthly transaction volume and value targets for agent banking and POS acquiring. • Portfolio Growth: ≥40% YoY growth in loan disbursement and savings balances via alternate channels; maintain NPL rates under 5%. • Profitability: Achieve revenue and net transaction value (NTV) targets for each channel; manage the portfolio’s P&L to ensure profitable growth. • Efficiency & Quality: Reduce agent/merchant onboarding time and loan/savings processing turnaround times by ≥25%; maintain high transaction success rates (TSR) and improve CPA by ≥15%. • Compliance & Risk: 100% KYC compliance and zero major regulatory findings; robust fraud detection and risk mitigation. • Satisfaction: Achieve a ≥20‑point improvement in NPS for agents, merchants and partners; deliver best-in-class support and service resolution times. Requirements 5–7 years of product management or channel management experience in fintech, banking, payments or digital services. Hands-on experience launching and scaling at least one of the following: agent banking networks, POS merchant acquiring, B2B2C lending products, or embedded finance APIs. Proven track record managing a product P&L and executing growth strategies in emerging markets. Strong analytical and quantitative skills; proficiency in SQL, Excel, Mixpanel/Amplitude or similar analytics tools. Excellent stakeholder management and leadership skills; ability to influence cross-functional teams and engage senior stakeholders. Deep understanding of the Nigerian financial services regulatory landscape, particularly CBN guidelines on agent banking, POS acquiring, KYC and consumer protection. Bachelor’s degree in Business, Engineering or a related field; MBA or relevant certification (e.g., Certified Scrum Product Owner) is a plus. Benefits Renmoney is at the forefront of Nigeria’s digital banking revolution. We are democratizing financial services for millions of Nigerians and powering small businesses with innovative credit and savings solutions. As the Product Manager for Alternate Channels, you will: •          Build products that empower thousands of entrepreneurs and serve millions of customers. •          Own and grow a core engine of Renmoney's future; you are the CEO of your product with the autonomy to define roadmaps and the resources to execute them. •          Work on complex challenges alongside talented engineers, designers, marketers and risk professionals. •          Operate in one of the most dynamic and competitive fintech markets in the world, with the backing of an established and trusted brand. If you are ready to drive meaningful impact and build the next frontier of financial inclusion in Nigeria, Renmoney is the place to accelerate your career.

Location: Lagos, Nigeria Who we are We’re a passionate team determined to challenge the status quo and make financial inclusion count for the millions of under-banked individuals and small business owners in Nigeria. We provide loans, savings, and fixed deposit solutions to our customers. Our vision is to be the most convenient lending company, delivering outstanding service experience. We are the place for you, if You’re excited about technology and the future, and you’re looking for a place to learn and grow. You care a lot about detail and pride yourself in impeccable execution. You are adept at identifying, assessing, mitigating, monitoring and reporting risks, and ensuring controls are working effectively. You are ready to work extremely hard, at a fast pace, to achieve audacious goals. You love to speak up, ask questions and are comfortable challenging anyone or any idea. The position You will conduct assigned operational and IT audit reviews and investigation with a view to providing assurance to the Board and Senior Management those controls are in place, adequate and operating effectively to support the Company in achieving its goals. Responsibilities Conduct risk assessment and audits of departments/functional areas in accordance with the audit plan. Timely investigation of all fraud cases, customer complaints, general investigation and any assigned special investigation as may be assigned from time to time. Provide practical recommendations to management to minimize risk resulting from poor internal controls. Provide assurance that controls are in place and are effective and adequate and make recommendations where necessary. Track resolution of all audit / control recommendations and ensure compliance within agreed timeline. Create and improve homogenous Control Culture across all units of the Bank that aligns with the business objectives of the Bank. Requirements Requirements Required: B.Sc degree in any field. Minimum of 4 years’ experience performing Internal Control/Audit function. This job is perfect for you if you: Have advanced knowledge of auditing processes/procedures. Have the ability to balance detail with departmental goals/objectives. Have excellent verbal and written communication skills. Are excel and numbers-savvy and very detail oriented. You will not enjoy this job if you Work best in structured, hierarchical settings. Require clear, pre-set deliverables and constant direction. Are used to working with a large team. Benefits What’s in it for you You’ll receive competitive compensation and work with amazing people. You’ll work in a beautiful environment with a flat structure and solve complex, real-world challenges.

Location: Lagos, Nigeria -          Evaluate SME and corporate loan applications by analyzing financial statements, cash flow, business models, and creditworthiness -          Identify and assess key risks (financial, industry, management, collateral) and recommend appropriate mitigants. -          Structure credit facilities in line with the borrower's needs and the bank’s risk appetite, including terms, pricing, and security requirements -          Draft detailed credit proposals or memos with clear justifications, risk analysis, and recommendations for approval. -          Liaise with relationship managers, legal, and risk teams to coordinate customer due diligence, site visits, and validation of submitted documents. -          Monitor assigned portfolio performance, ensure covenant compliance, and flag early warning signs or deterioration in credit quality. -          Ensure all credit evaluations and decisions adhere to internal policies, regulatory guidelines, and credit approval frameworks. -          Assess adequacy and enforceability of collateral, and work with legal to ensure proper documentation and perfection. -          Collaborate with Relationship Managers, Credit Committee, and other internal stakeholders to drive timely and sound credit decisions Requirements -          Proven experience in SME underwriting and credit risk assessment, with at least [3] years of experience in SME/Corporate credit analysis. -          Commercial banking experience as a credit analyst would be a plus -          Strong analytical skills with the ability to interpret financial statements, assess creditworthiness, and make data-driven lending decisions. -          In-depth knowledge of lending regulations, risk management principles, and best practices in underwriting. -          Excellent interpersonal skills, effective communication skills, both verbal and written, with the ability to articulate complex financial concepts to non-financial stakeholders. -          A strategic mindset with a keen focus on portfolio performance and risk management. Benefits You’ll receive competitive compensation and work with amazing people. You’ll work in a beautiful environment with a flat structure and solve complex, real-world challenges. We are the place for you, if You’re excited about technology and the future, and you’re looking for a place to learn and grow. You care a lot about detail and pride yourself in impeccable execution. You are adept at identifying, assessing, mitigating, monitoring and reporting risks, and ensuring controls are working effectively. You are ready to work extremely hard, at a fast pace, to achieve audacious goals. You love to speak up, ask questions and are comfortable challenging anyone or any idea.

Location: Ikoyi, Nigeria Strategy & Execution: Develop and implement efficient loan collection strategies tailored to a digital lending environment. Segment loan portfolios and prioritize collection actions based on risk exposure and customer behavior. Design and monitor automated workflows and digital touchpoints (e.g., SMS, email, app notifications) for collections. Team Management: Supervise and coach collections officers and agents to meet collections targets. Monitor team performance and provide regular feedback and training. Process Optimization: Leverage technology, including CRM tools, AI, and analytics platforms to track loan delinquencies and optimize collection efficiency. Collaborate with product, tech, and data teams to continuously refine collections processes. Customer Engagement: Handle escalated customer issues with professionalism and tact. Develop user-friendly repayment plans and negotiate settlements where appropriate. Reporting & Compliance: Maintain accurate records of interactions, payments, and commitments. Ensure compliance with regulatory requirements and internal policies. Provide regular reports and insights to management on portfolio performance, trends, and risks. Requirements Bachelor’s degree in Finance, Business Administration, Economics, or related field. Minimum 5 years of experience in collections or credit recovery, with at least 2 in a digital lending or fintech environment. Strong leadership and team management skills. Proficient in the use of digital collection tools, CRMs, and Excel/data analytics platforms. Excellent communication, negotiation, and customer service skills. Familiarity with local financial regulations and microfinance operations. Preferred Qualifications: Experience with loan management systems (LMS) and digital banking platforms. Certification in credit management or debt recovery. Excellent skills in Microsoft office Benefits You’ll receive competitive compensation and work with amazing people. You’ll work in a beautiful environment with a flat structure and solve complex, real-world challenges.

Location: Lagos, Nigeria As the Product Manager for Business Banking, you will spearhead the development and adoption of digital solutions to onboard and engage corporate clients on Renmoney’s web and mobile platforms. You’ll own the product vision for business banking, delivering features like business accounts, SME loans, bulk payments, and invoicing to meet the unique needs of Nigerian businesses. Collaborating with cross-functional teams, you’ll drive revenue growth, ensure regulatory compliance, and create intuitive user journeys that redefine SME banking. Job Description Product Strategy - define and own the product roadmap for business banking, aligning with Renmoney’s digital-first strategy and SME growth objectives. Propose innovative features like cash flow tools or API integrations to stay ahead of market trends. Corporate Onboarding - Design seamless digital onboarding journeys for SMEs and corporate clients on web and mobile, ensuring compliance with KYC/AML, CBN, NDIC, and NIBSS regulations. Optimize conversion rates across funnels. Feature Development - Lead end-to-end development of high-impact features (e.g., business account dashboards, user role management, bulk payments, invoicing, transaction insights, SME loans). Test and scale solutions with engineering and design teams. Stakeholder Collaboration - Partner with Engineering, Design, Compliance, Risk, Sales, and Distribution to align features with client needs. Work with Ops and Customer Service to ensure backend scalability and support. Analytics & Iteration - Leverage customer feedback, funnel data, and tools like Amplitude to drive decisions. Run A/B tests to improve adoption, engagement, and retention. Track KPIs like transaction volume and feature usage. Regulatory Alignment - Ensure all products comply with Nigerian financial regulations. Participate in risk reviews and policy formulation to maintain trust and security. Adoption & Growth - Collaborate with Sales to drive client acquisition and engagement. Optimize user journeys to boost business account activations and transaction volumes. Requirements 4+ years in product management, with 2+ years in SME/business banking, fintech, or digital financial services Proven success launching digital onboarding or transaction products Strong knowledge of SME financial needs (e.g., lending, payments, KYC, invoicing) Ability to translate business problems into technical requirements Excellent communication skills to engage diverse stakeholders Benefits Impact: Shape the future of business banking for Nigerian SMEs and corporates. Growth: Access professional development and career advancement in a fast-growing fintech. Culture: Work in a collaborative, innovative team with hybrid flexibility. Benefits: Enjoy competitive compensation, health insurance, and wellness programs.

Location: Lagos, Nigeria About Renmoney Renmoney is a leading Nigerian fintech on a mission to make financial inclusion simple, accessible, and rewarding. As we scale our digital presence, we’re looking for a talented Product Manager to own and drive the user experience across our mobile app and web platforms, ensuring our customers enjoy frictionless access to loans, savings, bill payments, transfers, and account management features. Role Summary The Product Manager for Front-End Channels will lead the strategy, execution, and continuous optimization of Renmoney’s Mobile and Web customer-facing platforms. You will work with cross-functional squads — including engineering, design, QA, marketing, and business stakeholders — to create intuitive and delightful digital journeys that drive engagement, conversion, and revenue growth. Key Responsibilities Product Strategy & Vision - Define and champion a compelling product vision for Mobile and Web channels, aligned with Renmoney’s business goals of increasing customer acquisition, retention, and transaction volume. UX Optimization - Lead UI/UX revamps to improve usability, accessibility, and inclusiveness, especially for non-tech-savvy users. Partner with design to ensure consistency, performance, and visual appeal. Execution & Delivery - Own the product backlog. Prioritize features, manage sprints, and coordinate across Engineering, QA, DevOps, and BA teams to deliver timely, high-quality updates. Customer-Centric Design - Use customer feedback, usability testing, and behavioral analytics to optimize onboarding, in-app navigation, and key feature adoption. Conversion & Engagement - Drive improvements in loan funnel conversion, savings engagement, and transaction completion. Proactively reduce drop-offs and increase session stickiness. Cross-functional Collaboration - Collaborate with Lending, Banking, Risk, Customer Service, and Marketing teams to ensure platform scalability, compliance, and readiness for new initiatives. Compliance & Regulation - Ensure all front-end features meet Nigerian fintech regulatory and data privacy standards. - Advocate for inclusive design to drive financial access. Release Management - Plan and coordinate beta rollouts, production deployments, and emergency hotfixes in collaboration with DevOps and QA. Product Analytics - Define and monitor KPIs — including activation, MAU/WAU, churn, drop-off points — using tools like Firebase, Mixpanel, and Google Analytics Requirements 5+ years of Product Management experience in fintech or digital banking; 3+ years managing mobile/web platforms with proven outcomes in user growth and engagement. Technical Exposure - Understanding of REST APIs, mobile/web architecture, analytics integration, and Agile methodologies. Tools Proficiency - JIRA, Confluence, Figma, Miro, Productboard (or equivalent), Firebase/Mixpanel, Google Analytics. SQL is a plus. Bachelor’s in Computer Science, Engineering, Finance, or related field. MBA or Product certifications (e.g., Pragmatic, AIPMM) is a plus. Soft Skills - Strong ownership mindset, analytical thinking, storytelling ability, cross-functional leadership, and stakeholder influence at C-level. Key Performance Indicators (KPIs) - Mobile App Conversion Rates (Loan Applications, Savings, Bill Pay) - Weekly & Monthly Active Users (WAU, MAU) - Onboarding Funnel Completion Rate - Customer Retention & Churn (Mobile & Web) - App Store Ratings and Reviews - Page Speed, Uptime, and Hotfix Delivery Time Benefits - Impact: Shape the face of digital banking in Nigeria by delivering intuitive and life-changing user experiences. - Ownership: Lead end-to-end product journeys with autonomy and measurable results. - Growth: Work in a data-driven, agile, and collaborative environment with opportunities to grow into senior leadership. - Flexibility: Hybrid work options, performance-based rewards, and a culture that values innovation, empathy, and diversity.

Location: ikoyi, Nigeria About Renmoney: Renmoney is a leading Nigerian fintech company dedicated to transforming financial inclusion through innovative lending, savings, and banking solutions. Powered by cutting-edge technology and data-driven insights, we craft exceptional user experiences that empower millions of customers to achieve financial freedom. Role Overview : As a Senior Product Designer at Renmoney, you’ll spearhead the design strategy and execution for our digital financial products, including mobile apps, web platforms, and internal tools. Collaborating with Product Managers, Engineers, and key stakeholders, you’ll deliver intuitive, impactful designs that boost customer satisfaction, drive product adoption (e.g., achieving 20%+ growth in user engagement), and fuel business success. Key Responsibilities: Own the end-to-end user experience and interface design for Renmoney’s digital products and front-end channels delivering solutions that  increase user acquisition, engagement and retention Partner with Product Managers and Engineers to transform business goals into user-centric designs, consistently shipping  high-impact product features. Conduct user research, usability testing, and iterate based on insights to refine designs, targeting a 90%+ user satisfaction score. Create wireframes, interactive prototypes, and pixel-perfect visual designs using tools like Figma. Maintain and evolve our design system to ensure consistency across platforms. Advocate for design thinking and user-first principles across the organization. Mentor  junior designers, helping them grow into confident contributors. Requirements Bachelor’s degree or equivalent in Design, Human-Computer Interaction (HCI), or a related field. 5+ years of professional experience in product design or UX/UI, ideally in fintech, banking, or tech-driven industries. A robust portfolio showcasing digital/mobile design projects with measurable outcomes (e.g., improved conversion rates or user engagement). Proficiency with design tools like Figma, Adobe XD, or Sketch. Proven experience thriving in agile, cross-functional teams. Exceptional communication skills to articulate design rationale to diverse stakeholders. Skills & Competencies: Expertise in UX/UI principles, user research, and scalable design systems. Sharp eye for detail, paired with creative and analytical problem-solving. Ability to juggle user needs, business objectives, and technical feasibility with finesse. Strong leadership and mentorship skills to elevate team performance. Benefits Shape the future of fintech in Nigeria with products that reach millions, backed by a competitive salary plus performance bonuses and health benefits. Thrive in a fast paced work environment with flexibility, collaboration, and access to cutting-edge tools. Join a diverse, inclusive team where all voices are valued, and professional growth is a priority. Our Commitment: At Renmoney, we’re building a workplace that reflects the diversity of the communities we serve. We welcome applicants of all backgrounds and are committed to fostering an equitable, inclusive environment. If you’re passionate about designing digital experiences that transform lives, apply today!

Location: Tashkent, Uzbekistan; Toshkent, Uzbekistan Workplace: on-site At TechBiz Global, we are providing recruitment service to our TOP clients from our portfolio. We are currently seeking a Portfolio Risk Manage r to join one of our clients ' teams. If you're looking for an exciting opportunity to grow in a innovative environment, this could be the perfect fit for you. Job Responsibilities: Managing Credit Strategies: Oversee and pilot retail credit portfolio strategies to ensure their effectiveness and alignment with business goals. Product Development Collaboration: Work closely with the business teams to develop and improve retail credit products, ensuring they meet market needs and regulatory requirements. Credit Portfolio Monitoring: Continuously monitor the credit portfolio to ensure it is performing as expected, identifying any areas of concern or opportunity for improvement. Anti-Fraud and Verification Strategy: Develop and implement methodologies and strategies for fraud prevention and verification processes to protect the bank and customers. Reviewing Current Practices: Assess current lending practices and make recommendations for improvements to mitigate risks and enhance operational efficiency. Reporting and Documentation: Prepare the structure and content for regular reports on portfolio monitoring, providing clear insights and recommendations to senior management. Experience in the Risk Division as a Portfolio Manager for retail credit products. Ideal experience includes: Cash products (priority experience) POS/BNPL (Point-of-Sale / Buy Now, Pay Later products) Car loans Experience in Risk Strategy Development: A significant advantage would be experience in building risk strategies from scratch and launching new products in the market. Target Banks: Experience with banks such as Home Credit (Russia/Kazakhstan), MTS Bank (Russia), Tinkoff (Russia), Alfa-Bank (Russia), Tochka (Russia, not a target but possible), Kaspy (Kazakhstan), and Solva Group (Kazakhstan) is highly desirable. Language Skills: Proficiency in English at a good level is required. Business Negotiation Skills: Ability to negotiate with business units and a strong understanding of the bank's business strategy, including financial concepts like NPV (Net Present Value) and other key performance metrics. Technical Skills: Proficiency in Python and SQL is required. Experience with BI (Business Intelligence) tools would be a plus. What We Offer: A challenging and dynamic work environment with opportunities to contribute to strategic projects. Competitive compensation package and benefits. Professional growth and development within a well-established organization.

Location: Tashkent, Uzbekistan Workplace: on-site At TechBiz Global, we are providing recruitment service to our TOP clients from our portfolio. We are currently seeking a Head of Credit Administration Directorate to join one of our clients ' teams. If you're looking for an exciting opportunity to grow in a innovative environment, this could be the perfect fit for you. About the Role: We are seeking an experienced Head of Credit Administration Directorate to lead our credit administration function and enhance the operational effectiveness of our credit processes. This leadership role is essential in ensuring the integrity and compliance of our credit administration activities, overseeing the individuals credit lifecycle, and implementing best practices. If you have a proven record of operational transformation in credit administration and strong expertise in the banking sector, we encourage you to apply. Key Responsibilities: Leadership of Credit Administration Directorate : Set and achieve the department's objectives, overseeing a high-performing team to ensure efficiency in all credit administration processes. Enhancing Operational Efficiency : Continuously improve credit administration processes to streamline operations and improve service delivery. Credit Administration Oversight : Manage the end-to-end credit administration cycle, including documentation, accurate record-keeping, collateral management, disbursements, and repayment monitoring. Risk Mitigation : Improve credit administration processes to reduce credit risk exposure and maintain the health of the credit portfolio. Compliance and Best Practices : Ensure that all credit administration processes adhere to industry best practices, local regulatory requirements, and internal policies. Quality Control Mechanisms : Implement robust controls to guarantee the quality and accuracy of all credit documentation and administrative procedures. Portfolio Monitoring and Early Warning Systems : Regularly monitor the credit portfolio, establishing early warning systems to identify and address potential risks. Experience : Minimum of 3 years in a leadership role within a credit administration division, with a track record of successful operational transformation. Team Leadership : Proven ability to manage large teams, with experience overseeing 30+ employees. Credit Operations Expertise : Strong background in credit administration for both corporate and retail clients. Banking Knowledge : In-depth understanding of Uzbekistan’s banking sector and local lending regulations will be an advantage. Language Skills : Fluency in Russian and English is required; proficiency in Uzbek is a plus. Why Join Us? This is an opportunity to make a substantial impact on our credit administration function and contribute to the bank’s overall success. We offer a competitive compensation package, a collaborative environment, and the chance to drive operational excellence and strategic growth in a leading financial institution. Ready to Lead the Future of Credit Administration? If you're a strategic leader in credit administration and are committed to operational excellence, apply now to join our team!

Location: Dakar, Senegal The ideal candidates can be based anywhere in Africa. 1. ROLE OVERVIEW We are looking for several Environmental and Social (E&S) and/or Health, Safety, Environment and Communities (HSEC) Interns to join ESS (Environmental and Social Sustainability), Africa’s premier advisory services firm focused on sustainable development and management of Environmental, Social and Governance (ESG) risks in Africa and emerging economies. We are prioritising bilingual / multilingual candidates, so we ask that candidates speak at least advanced English, as well as fluent French. Additional African languages capability will be favourably considered. Our internships are for a minimum duration of 1 year, and a limited monthly stipend is provided (exact amount depends on resident country). You will be working in tandem with colleagues based across Africa and emerging economies. The role offers plenty of scope for career advancement, with both internal training programmes and structured progression for high performers. The internship includes working on international projects within a variety of sectors, including: Financial services and lending institutions, including international financial institutions such as the International Finance Corporation (IFC), Africa Finance Corporation (AFC), African Development Bank (AfDB) etc. Mining Energy and renewables Agribusiness Manufacturing Transport (road, rail, ports, airports etc.). 2. ABOUT ESS Our mission is to help develop the next generation of ESG and sustainability specialists in Africa and emerging economies. Our teams are based in the countries where we work, and are driven by a desire to contribute to the protection of the environment and community wellbeing where we live. What sets us apart is that we are an African company run in Africa by Africans, working to an international standard and quality. We understand emerging markets because we contribute directly to their emergence, and see ESG and sustainability as a key component to just and sustainable growth. We believe in implementation, not just writing endless reports and assessments that rarely get actioned. As such, we assist financial institutions and private companies in understanding where gaps in their project lie in relation to international frameworks on sustainability (such as the Sustainable Development Goals / SDGs) and national legislation, as well as provide support on sustainability reporting in line with GRI and other standards. Once gaps are ascertained, we also provide on-going, site-based support to address gaps and develop capacity within the client organisation. 3. KEY RESPONSIBILITIES Interns will have the following responsibilities: Work on projects and in teams across Africa and emerging economies Bid / tender writing Provide advice and inputs on projects internationally with a variety of clients Undertake Environmental, Social and Governance (ESG) due diligence studies in line with compliance frameworks Provide support to organisations in developing teams and implementing activities to meet compliance standards Prepare scope of works and manage consultants to undertake key studies (baseline, ESIA, critical habitat etc.) Develop sustainability targets and implement measures to attain targets Support the development of sustainability strategies and other key reports in line with GRI and similar reporting standards Develop robust HSEC Management System (HSECMS) / Environmental and Social Management System (ESMS) inputs to ISO 14001 / EMAS standard, as well as inputs to other key management systems, plans and reporting structures Undertake other related studies, planning, reporting and activities as required Build and maintain strong relationships within ESS to maximise interdisciplinary problem-solving. 4. SKILLS, QUALIFICATIONS & EXPERIENCE The right candidate should possess and be able to demonstrate the following skills in order to adequately respond to the requirements of the role: Excellent written and verbal communication skills Fluent English and French (additional Portuguese, Arabic and/or African languages a strong bonus) Strategic thinking, analytical and research skills Organization and coordination skills Strong interpersonal and communication skills Advanced IT skills – Excel, Word, PowerPoint Ability to produce high quality documents. The preferred candidate should possess a Master’s degree, preferably within an environmental, social, health & safety, and/or sustainability-related discipline. However, we would consider stand-out candidates from different backgrounds and/or experienced candidates from other fields wishing to transition into the ESG / sustainability space.

Location: Tashkent, Uzbekistan; Almaty, Kazakhstan; Bishkek, Kyrgyzstan; Tbilisi, Georgia; Erevan, Armenia; Moscow, Russia; Minsk, Belarus Workplace: on-site About TechBiz Global TechBiz Global is a leading recruitment and software development company. Our diverse, globally distributed team provides IT recruitment, outstaffing, outsourcing, software development, and different consulting services with a primary focus on making our partners achieve their business goals successfully. With headquarters in Germany we have successful clients all over the world. We can understand your unique needs. Our team has hands-on experience with the challenges that come with rapid growth and the IT sector. That’s why all of our offerings are built with a tech mindset. Key Responsibilities: Product Development and Management Develop and implement strategies for card products, deposits, payments, and transfers. Monitor market trends and competitive landscape to identify new opportunities and potential risks. Design and refresh product offerings to meet evolving customer needs and bank objectives. Create specialized products tailored to diverse client segments. Enhancing Profitability of New and Existing Products Conduct profitability analysis on various products and services, providing recommendations for optimization. Set competitive interest rates, fees, and terms to attract and retain customers. Develop additional services and products that enhance revenue potential. Marketing and Product Promotion Design and execute strategies to promote Daily Banking products. Collaborate with the marketing department to create impactful advertising campaigns and promotional materials. Analyze the effectiveness of marketing initiatives and refine strategies based on insights. Optimize the customer journey to enhance convenience and accessibility of services. Innovation and Digital Transformation Research and implement new technologies to improve Daily Banking products (e.g., mobile applications, digital payments). Collaborate with IT teams to integrate new technologies seamlessly into existing systems. Increase sales and customer engagement with Daily Banking products through mobile platforms. Team Leadership and Development Build, mentor, and manage a high-performing team of Daily Banking specialists. Set clear goals and objectives for team members and monitor progress. Conduct regular performance reviews and provide constructive feedback to support professional growth. Proven experience in daily banking product management, digital transformation, and strategic planning. Strong understanding of market trends, customer behavior, and digital product development in the banking sector. Exceptional leadership and team management skills with a track record of achieving ambitious goals. Proficiency in data analysis to drive decision-making and enhance product profitability. Excellent communication and collaboration skills to work effectively with cross-functional teams. Why Join Out Client’s Company? This is an exciting opportunity to lead our consumer lending initiatives in a dynamic and innovative environment. We offer competitive benefits, professional growth opportunities, and a collaborative culture that values creativity, ambition, and customer focus.