Lead, Business and Operations

About the role

The Pôle Digibank & Fintech runs Mixx mobile money services in Madagascar, Tanzania, Senegal, Togo and the Comoros and is building a digital banking cluster. A new operating company is being set up to deliver settlement between markets, regulated access to US dollar holdings and payout, collection and treasury services for merchants and partners, without running a trading venue or issuing tokens. The Lead, Business and Operations is responsible for the commercial result and day-to-day operation of this entity, working alongside the Leads for Licensing and Engineering.

Key responsibilities

• Define the corridor roadmap, counterparty pipeline, treasury and liquidity, operating procedures and unit economics
• Build corridor business cases and pricing, and negotiate agreements with banks, payment institutions and liquidity providers
• Select and contract issuers, liquidity providers, market makers, on- and off-ramp partners and banks holding fiat balances
• Manage float placement, pre-funding, FX exposure and daily working capital allocation
• Handle reconciliation, breaks, disputes and chargebacks, and coordinate incident management with engineering
• Produce monthly contribution margin analysis by corridor and board reporting, with Group Finance and the Head of Strategy

Required profile

• Postgraduate qualification (master's level or equivalent) in business, finance, economics or a related field
• Eight years or more in payments, remittances, mobile money, correspondent banking or digital assets, including at least three years in a P&L or corridor-targeted role
• Demonstrated experience taking a cross-border payment or settlement flow from inception to live volume, including nostro and float management
• Experience in an African market with exposure to FX scarcity and soft-currency risk
• Fluency in English; French at a professional standard for Madagascar, Senegal and WAEMU relationships; Portuguese or Swahili appreciated

Required skills

• Negotiating and managing commercial agreements with banks, payment institutions and liquidity providers
• Working knowledge of stablecoins as a settlement instrument (issuance, redemption, network costs, operational risk)
• Financial modelling for board-level business cases (volumes, pricing, margin, sensitivity analysis)
• Designing operating procedures for a regulated entity, including reconciliation, break management and incident escalation
• Comfort in multi-entity, multi-jurisdiction settings