Embedded Finance Operation Officer

Description du poste About Rubyx

Autres informations

Hello, we’re an international team with expertise in microfinance, data science, behavioural economics and human-centred design. We started Rubyx in 2019 to revolutionise the way informal entrepreneurs and small businesses fund their activities. We’ve built a cloud-native, API-driven digital lending platform that enables service providers to rapidly launch innovative loan products that meet the needs and expectations of borrowers. Rubyx lowers the cost of entry to AI capabilities and makes credit scoring algorithms easy to understand so that the power of data benefits all. Pioneering new lending ecosystem models, we support different types of partnerships:

• We enable non-lenders such as digital platforms to easily embed lending features into their services to deliver more value to their customers.

Formation / Diplômes

• We work with banks and microfinance institutions to help them accelerate their digital transformation and reach new markets. Currently, we operate in the following countries: Cambodia, Cameroon, Nigeria, Ivory Coast, Ghana, Tunisia, Jordan, Georgia, India and Madagascar.

Expérience

We’re passionate about the many opportunities to rethink microfinance together, but we’re not just painting pretty pictures; we draw our inspiration from many years of experience in microfinance and spending days and days in the field to observe the ways informal entrepreneurs and small businesses work. Working with us We all work with a high degree of autonomy and take responsibility for our tasks. Using tools like Slack and Notion, we stay focused on the most important activities. Joining us brings the benefit of being able to shape and build your own practice in a start-up environment. We work remotely and get things done. Our team is spread out from China to Canada, sometimes you’ll have to put an effort to schedule meetings that work for everyone. Mostly, for you, this means flexible working hours. We believe work should be fairly rewarded. We offer competitive compensation based on your experience and expertise, including stock options. Job description We are looking for an Operation Officer to take care of our embedded lending business line (B2B2C). Being an operations officer at a credit-led fintech company in Africa can be a rewarding and challenging role. Fintech companies in Africa are playing a crucial role in expanding access to financial services, promoting financial inclusion, and driving economic growth. As an operation officer in this sector, your responsibilities would be diverse and impactful. This role requires a mix of strategic thinking, operational excellence, adaptability, and a deep understanding of the local financial landscape. It's a role that plays a critical part in driving financial inclusion and economic development in the region. Here's an overview of what your role might entail: Responsibilities Product Strategic Planning: Collaborate with the executive team and product owners to develop and implement a product roadmap aligned with the company's mission and goals.

Profil recherché

Requirements Collaborating with the customer department, to understand and anticipate clients needs and translate them into product requirements; Ensure a smooth handover of the product requirements to the Product Owners Progress tracking: Monitor project progress against the schedule and budget, making necessary adjustments. Quality Assurance & Quality Control: Ensure that the solution aligns with the predefined quality standards. Operations & Risk Risk Management: Identify, assess, and mitigate operational risks. This includes managing credit risk, fraud prevention, and data security to protect both the company and its customers. Process Optimization: Continuously evaluate and improve operational processes to enhance efficiency, reduce costs, and deliver a seamless customer experience. This might involve automating tasks, streamlining workflows, and implementing new technologies. Partnership Management: Build and maintain relationships with key partners, such as banks, payment providers, and regulatory bodies, to facilitate business operations and compliance. Scaling Operations: Plan for and manage the company's growth. As fintech companies expand, they often face scalability challenges, and your role would involve finding solutions to these challenges. Performance Management Financial Management: Oversee the budget of our loan portfolio collateral deposit and ensure that resources are allocated efficiently. Reporting and KPIs: In collaboration with our Data Analytics team, design and monitor key performance indicators (KPIs) to track the success of the company's overall performance. Provide regular reports to the executive team. Community Engagement: Build relationships within the local fintech community and contribute to the growth and development of the industry in Africa. This can involve participating in industry events and initiatives. Profil recherché Requirements

• Fluent in English and French, a multilingual speaker is a plus.

Compétences requises

• Strong analytical and problem-solving skills with close attention to detail
• Strong knowledge of the financial services industry, first hand experience with SME lending is a plus
• Open-minded and able to work with people from different backgrounds and cultures
• Cultivate the start-up spirit and look for innovation and excellence
• Demonstrated ability to work independently and as part of a team in a distributed working environment
• Ability to learn and adapt quickly in fast-changing environments
• Strong communication, teamwork and time-management skills Benefits
• Build your practice in a start-up environment.
• Flexible working hours.
• Competitive compensation, based on your experience and expertise.
• Work in an international environment in an impact-driven industry Compétences Operation Management Project Management Finance Informations complémentaires Niveau d'étude : Bac +5 / Master Expérience requise : > 2 ans

Présentation du poste

Cette offre de Embedded Finance Operation Officer en Sénégal s'inscrit dans un contexte de centre technologique africain . Les secteurs clés demandeurs incluent: tech, fintech, startups . Salaire moyen estimé 2026: 400K à 2M FCFA. Dakar attire les talents internationaux — salaires reflètent cette réalité Données mises à jour le 02/07/2026 basées sur les tendances du marché régional. Conseils pour Postuler Adapter votre CV : Mettez en avant les 3 compétences clés mentionnées dans l'annonce Cover letter personnalisée : Expliquez pourquoi Embedded Finance Operation Officer vous intéresse spécifiquement Préparez l'entretien : Recherchez l'entreprise sur LinkedIn, préparez des questions pertinentes Vérifiez votre candidature : Avant d'envoyer, testez tous les liens et documents PDF Timing : Postulez dans les 3 premiers jours — les candidatures reçoivent plus d'attention Vous avez une question? Utilisez notre CV builder IA ou consultez nos guides carrière pour plus de conseils. Explorez d'