Pricing Analyst Lead

About Kuda:
Kuda is a money app for Africans on a mission to make financial services accessible, affordable and rewarding for every African on the planet.

We’re a tribe of passionate and diverse people who dreamed of building an inclusive money app that Africans would love so it’s only right that we ended up with the name ‘Kuda’ which means ‘love’ in Shona, a language spoken in the southern part of Africa.

We’re giving Africans around the world a better alternative to traditional finance by delivering money transfers, smart budgeting and instant access to credit through digital devices.
We’ve raised over $90 million from some of the world's most respected institutional investors, and we’re rolling out our game-changing services globally from our offices in Nigeria, South Africa, and the UK.

Role overview
As a Pricing Analyst Lead, you will drive pricing analysis and optimisation across Kuda’s retail, business banking, and credit products. You’ll build pricing models, generate insights, and support data-driven decisions that improve revenue, competitiveness, and customer value.

Working closely with Product, Finance, Risk, and Commercial teams, you’ll help shape pricing strategies, run experiments, and contribute to building a strong, scalable pricing capability at Kuda.

Pricing Strategy & Architecture

• Own end-to-end pricing strategy across retail banking, business banking and credit products
• Design and implement a coherent pricing architecture that balances revenue growth, competitive positioning and customer fairness
• Develop pricing frameworks for new product launches and market entries, working closely with Product and Commercial teams
• Build Kuda’s pricing governance framework — defining decision rights, approval processes and escalation paths

Analytics & Commercial Modelling

• Build the analytical infrastructure for pricing: elasticity models, competitive benchmarking, margin analysis and scenario modelling
• Conduct rigorous analysis of fee structures, interchange economics, interest rate margins, FX spreads and credit pricing across all products
• Design and run pricing experiments (A/B tests, conjoint analysis, willingness-to-pay studies) to move us from gut-feel to evidence-based pricing decisions
• Develop dashboards and reporting to give leadership real-time visibility into pricing performance and revenue drivers

Product-Specific Pricing

• Retail Banking: Optimise pricing for account tiers, transfer fees, card fees, savings rates and FX margins — balancing growth with unit economics
• Business Banking: Design pricing models for merchant services, payroll, collections, and business accounts that reflect value delivered to SMEs
• Credit: Work with the Credit team to refine risk-based pricing, ensuring loan pricing adequately reflects cost of funds, expected losses and target returns while remaining competitive

Cross-Functional Leadership

• Partner with Product, Finance, Risk, Compliance and Commercial teams to embed pricing into product development and go-to-market processes
• Educate the organisation on pricing principles — build internal capability so pricing thinking is distributed, not siloed
• Represent pricing in leadership discussions, board reporting and investor conversations
• Monitor regulatory developments affecting pricing (e.g. CBN fee guidelines, consumer protection regulations) and ensure compliance

Requirements:
• 9+ years of experience in pricing, commercial strategy or revenue management, with significant time spent in financial services (banking, fintech, payments or lending)
• Deep expertise in at least two of: retail banking pricing, business/merchant pricing, or credit/lending pricing
• Strong quantitative skills — comfortable building pricing models, running statistical analyses and interpreting complex data
• Experience designing and executing pricing experiments and willingness-to-pay research
• Track record of building pricing functions or capabilities in organisations where pricing was previously underdeveloped
• Excellent communication skills — able to translate complex pricing analysis into clear recommendations for senior stakeholders
• Commercial mindset with genuine empathy for customers — understands that good pricing creates value for both sides

Advantageous:

• Experience in African or emerging market financial services
• Background in management consulting with a focus on pricing or commercial strategy
• Familiarity with regulatory pricing environments (CBN, FCA or equivalent)
• Experience with pricing software tools (PROS, Vendavo, Pricefx or custom-built systems)
• SQL proficiency and comfort working with data engineering teams

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.