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Pricing Analyst Lead
Kuda
Posted 3 months agoCape Town
Location
Cape Town
Job Type
Full-time
Experience
Senior
Category
Management
Job Description
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
Analytics & Commercial Modelling
Product-Specific Pricing
Cross-Functional Leadership
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
Educate the organisation on pricing principles — build internal capability so pricing thinking is distributed, not siloed
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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
- 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
Responsibilities
- 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
- 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
- Partner with Product, Finance, Risk, Compliance and Commercial teams to embed pricing into product development and go-to-market processes
- 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
