Principal, Tanzania Operations

About Kuunda

Kuunda is a B2B embedded digital financial company that provides liquidity to the informal sector through digital infrastructure and advanced decisioning models. We specialize in real-time, transaction-based lending solutions that support sustainable economic productivity. Our work enables agent networks, small businesses, and consumers to access financing products and services that drive growth and resilience.

Our Team

Our team has deep experience implementing financial services across multiple markets. Collectively, we have delivered solutions in over 17 African countries as well as Asia. Kuunda operates as a hybrid workplace, with operational hubs in Africa and Asia. We’re a diverse, international team of innovators who share a passion for building the future of microfinance and embedded finance.

The Role

You will be pivotal in ensuring operational excellence across Kuunda’s embedded finance ecosystem in Tanzania. You will oversee functions including collections, compliance, liquidity oversight, and back-office support — ensuring seamless execution and resilience.

Working closely with Group Shared Services, you will refine workflows that scale efficiently, manage risk, and support Kuunda’s growth in Tanzania. This role requires strong analytical thinking, a strategic mindset, and the ability to optimize complex systems.

Key Responsibilities

Operational Leadership and Process Optimization

• Lead country operations processes

• Identify and resolve bottlenecks, inefficiencies, and risks in daily operations

• Drive automation initiatives to streamline tasks and unlock capacity for higher-value activities

• Establish and enforce SOPs aligned with group standards while tailoring to local market dynamics

• Serve as a bridge between operations and product teams, ensuring long-term sustainability

Funding Compliance and Liquidity Management

• Monitor liquidity to ensure uninterrupted product availability

• Lead planning and forecasting activities

• Act as primary liaison with financial institutions on funding and compliance

• Provide operational input into partner negotiations to support Kuunda’s scaling needs

Defaults Management and Collections Strategy

• Oversee collections performance across partners, ensuring recovery targets are met

• Lead regular performance reviews, converting insights into actionable strategies

• Implement data-driven risk mitigation measures to strengthen portfolio health

• Design incentives and accountability frameworks to drive strong team performance

• Align field collections with digital tools to create cohesive multi-channel strategies

Performance Monitoring, Reporting, and Support

• Deliver consolidated performance reports with actionable insights for leadership

• Use analytics platforms to monitor trends, operational SLAs, and funding requirements

• Oversee efficient back-office operations, ensuring rapid, accurate partner support

• Monitor support systems and coordinate interventions to minimize downtime or issues

• Build internal and partner capability through training programs on compliance and operational best practices

Partnership and Stakeholder Management

• Cultivate strong relationships with financial institutions and ecosystem partners

• Provide transparent, data-driven insights to strengthen collaboration

• Support the Country Director with operational intelligence for partner engagements

What We’re Looking For

• 5+ years in operational leadership, ideally in fintech, financial services,
telco or similar high-growth environments

• Proven ability to design and scale efficient workflows across operations

• Hands-on experience in liquidity planning, forecasting, and managing institutional relationships

• Strong background in collections strategy, analytics, and risk management

• Proficiency with data analysis and workflow management tools

• Demonstrated success in partner engagement and compliance management

• Experience leading automation initiatives and optimizing support functions

• Skilled in training and capability building

Attributes

• Hands-On: A “doer” who rolls up their sleeves to get the job done

• Mobility: Ability to travel to support on-the-ground teams and scale-up initiatives

• Attention to Detail: Able to identify and address key details without leaving gaps

• Problem-Solver: Strong ability to tackle challenges and design solutions

• Listener: Able to understand stakeholder needs without bias

• Market Understanding: Genuine interest in the economics of the informal sector

• Analytical: Strong quantitative and qualitative analysis skills

• Growth-Minded: Ability to recognize barriers and implement solutions

• Collaborative: Proven ability to work cross-functionally with shared services and executives

• Communicator: Excellent written and verbal communication skills

• Influencer: Able to create buy-in for Kuunda’s vision with both internal and external stakeholders

What You’ll Get From Us

We’re a team of independent-minded people with diverse skills and shared purpose. Our culture of collaboration and resilience allows us to amplify each other’s strengths and create meaningful change.

We offer:

• Competitive salary and performance-based bonus

• Professional development and career growth opportunities

• Flexible work arrangements and an inclusive culture

• An exciting environment at the forefront of fintech innovation

Location

Dar es Salaam, Tanzania. A minimum of three days a week in the office is required, with travel across Africa as needed.

Interested?

Does this role excite you? Do you want to be part of shaping the future of embedded finance in Africa? If so, we’d love to hear from you. Please apply online to join our dynamic team.