“It begins with a sense that most things can be done much, much better…”

“It begins with a sense that most things can be done much, much better…”

Frederic Nze, Founder

Frederic Nze, Founder

Let Us Paint a Clear Picture.

Who Are We?

Let Us Paint a Clear Picture. Who Are We?

Welcome to Kamoa, Africa's first user-powered financial marketplace. Kamoa is dedicated to putting control back in the hands of those who need it the most by helping individuals and small businesses build their access to mainstream credit and access affordable loans.

Welcome to Kamoa, Africa's first user-powered financial marketplace. Kamoa is dedicated to putting control back in the hands of those who need it the most by helping individuals and small businesses build their access to mainstream credit and access affordable loans.

Our approach is simple: we empower our users to play an active role in their own financial lives, and connect them with a network of trusted and reliable lenders.

Our approach is simple: we empower our users to play an active role in their own financial lives, and connect them with a network of trusted and reliable lenders.

Through our community-driven platform, we offer personalised financial solutions that meet the diverse needs of our users.

Through our community-driven platform, we offer personalised financial solutions that meet the diverse needs of our users.

At Kamoa, we understand that access to fair and affordable credit is critical for individual and small business growth. That's why we developed the Kamoa app. Together with our users we put the power of alternative data to work to streamline the borrowing process and make finding the right financial product easier and more affordable.

At Kamoa, we understand that access to fair and affordable credit is critical for individual and small business growth. That's why we developed the Kamoa app. Together with our users we put the power of alternative data to work to streamline the borrowing process and make finding the right financial product easier and more affordable.

Our mobile app is free to use and is available 24/7 to help guide and support users throughout their journey towards happy money.

Our mobile app is free to use and is available 24/7 to help guide and support users throughout their journey towards happy money.

We are driven by our values

We are driven by our values

We are driven by our values

Culture is an incredibly important part of how we operate. We stand by four key pillars.

Culture is an incredibly important part of how we operate. We stand by four key pillars.

Street Smarts and Adaptability

Our street-smart approach promotes adaptability and resourcefulness, allowing us to navigate diverse scenarios intelligently.

Collaborative Problem-Solving

We believe in teamwork and boundary-crossing problem-solving to overcome challenges together.

Street Smarts and Adaptability

Our street-smart approach promotes adaptability and resourcefulness, allowing us to navigate diverse scenarios intelligently.

Collaborative Problem-Solving

We believe in teamwork and boundary-crossing problem-solving to overcome challenges together.

We are Global and Growing

We are Global and Growing

Meet the Kamoans

Meet the Kamoans

Frederic Nze

CEO

Before becoming a successful FinTech entrepreneur, Frederic spent his career in data science working for American Express, GE Capital and Barclays Bank. He set up a Risk/Data Analytics boutique – Euristix – which was sold to Capita.

Hada Kamara

Business Development

Hada is a seasoned investment banker with 15+ years of experience in partnership management, business development, and revenue growth. She has a proven track record of success in emerging markets, and is passionate about entrepreneurship, innovation, and wealth creation.

Oliver Stannard

Chief Product Officer

Having led teams for SWIFT and the Financial Times, Oliver brings 15 years experience shaping product strategies and narratives. He moved into FinTech start ups in 2019 to deliver high impact digital products.

Guyo Jarso

Data Scientist

Guyo specialises in credit risk, trend forecasting and model optimisation. Passionate about the practical applications of data science, Guyo brings experience in building and deploying complex data products for NCBA Bank and Xetova.

Alexandra Chilmaid

Product Manager - CX

While a full time student at Georgetown University, Alexandra supports Kamoa product launches and manages customer experience for Kamoa. Additionally, she assists in the marketing strategy for both Kenya and Nigeria.

John Ngan

Chief Data Officer

After a PhD at the University of Oxford, and work experiences (Spotify, Twitter, World Bank and start-ups), John designs and builds Kamoa's data strategy to serve all aspects of the business. He brings his broad and thorough expertise in research, science, product, and engineering.

Einstein Ashioya

Product Manager - Acquisition

With a background in business analysis, Einstein combines his adventures in data synthesis and interpretation with a creative flair for brand management to drive efficiency, explore product-market-fit and push continual improvements in user experience.

Einstein Ashioya

Marketing Manager

With a background in business analysis, Einstein combines his adventures in data synthesis and interpretation with a creative flair for brand management to drive efficiency, explore product-market-fit and push continual improvements in user experience.

Collins Odeny

Product Designer

With over 4 years of experience, he excels in UX/UI design, front-end development, and Agile methodologies. Collins has a proven track record in designing financial dashboards and enhancing user experiences. His expertise and collaborative leadership make him a valuable asset to any team.

Mwaa Joseph

Engineering Team Lead

with a decade of experience in software engineering management. He excels in mentoring teams and has a passion for blockchain technology, contributing to open source projects. Skilled in diverse roles within startups, he's committed to professional growth and possesses a deep understanding of software engineering principles.

Jerry Mba

Data Engineer

After a rich experience as a software engineer in the picturesque landscapes of France, he chose a new challenge as a Data Engineer to give back to the continent that saw him grow up. Beyond the tech world, his passion for F1 fuels his excitement, while stand-up comedy provides the perfect escape into laughter.

Andrew Ouko

Senior Developer

Versatile full-stack developer with a strong background in frontend engineering, specializing in transforming design concepts into functional code for both web and mobile applications. Proficient in backend development, CI/CD tools, AWS services, and databases, with a current focus on advancing skills in Data Science through an ongoing education program.

Mercy Nduati

Data Analyst

Mercy is skilled in product and data analysis, with experience in both fields. While based in Nairobi, she is studying for her Master’s at the University of East London. But that’s not all – Mercy’s a creative soul too. When she’s not diving into data, she’s singing or designing hoodies. Her diverse skills make her a valuable addition to our team, bringing a fresh perspective to every project she tackles.

Mildred Anekeya

Product Operations Manager

Mildred is an enthusuastic person with 7+ years of experience in credit risk management, collecting and mitigating losses by assessing borrowers' credit risk including payment behavior and affordability. Portfolio and team management. She also ensures consistency and quality product for our customers, partners and integrity in systems and services. Customer support has been key in this journey.

Mildred Anekeya

Head of operations

Mildred is an enthusuastic person with 7+ years of experience in credit risk management, collecting and mitigating losses by assessing borrowers' credit risk including payment behavior and affordability. Portfolio and team management. She also ensures consistency and quality product for our customers, partners and integrity in systems and services. Customer support has been key in this journey.

Kenneth Kinyanjui

Product Lead

Kenneth is a product & technology leader with over 10+ years of experience building products in Africa , Europe and North America. Prior to a career in product management , Kenneth cofounded 2 startups; WeCashup (Payments) and Platfot (IoT) and also worked a software engineer. At Kamoa , he leads the product team and will bring his vast experience working with merchants based in emerging markets. When not working on products , you will find Ken preparing for his next triathlon.

Shazia'Ayn Babul

Data Science Intern

While a PhD student at the University of Oxford, Shazia is working at Kamoa as a data science intern. She has experiences in network science research and in tech (Facebook, Spotify)

Hamza Mounir

Data Science Intern

While a student at the University of California Berkeley, he pursues his passion for behavioral economics and data science, working at the intersection of both to support Kamoa's data team. Outside of work, you will likely find Hamza playing football or cheering courtside for his university's basketball team.

Stanley Gatimu

Software Engineer

A versatile fullstack engineer who focuses on developing and delivering comprehensive software solutions across various industries, including fintech, B2B platforms, and e-commerce. With expertise in both frontend and backend development, he creates seamless, end-to-end systems tailored to business needs. Stanley is passionate about optimizing development processes, collaborating with cross-functional teams, and solving complex problems with innovative solutions.

Esther Bidali

Software Engineer

Esther is a passionate software engineer driven by problem-solving and a deep commitment to continuous learning. She excels at transforming complex business requirements into intuitive, valuable digital experiences for users. With a natural curiosity and a love for exploring new experiences, ideas, and creative approaches to challenges, she constantly seeks innovative solutions that elevate both technology and user experience.

Yusuf Hamisi

Software Engineer

As a versatile software engineer, I bring a balanced expertise in both frontend and backend development, along with seamless integration of third-party services. Driven by a strong problem-solving mindset and commitment to quality, I’m passionate about turning complex ideas into well-crafted, efficient applications. Known for my attention to detail, I excel at leading projects from concept to completion, ensuring they surpass both technical and business expectations. I thrive in creating innovative solutions that bridge user experience with robust architecture, consistently delivering impactful results.

KAMOA APP Ltd is a company incorporated and registered in Mauritius with company number 192016 and its registered office address is at c/o Ocorian Corporate Services Limited Wall Street Level 6, Tower A, 1 Exchange Square EBENE.

Kamoa is not a lender

We help users find the best loans available to them.

The lenders on the Kamoa platform offer loans from 500 Ksh to 1.5m Ksh or from 1,500 Nairas to 5m Nairas. Loan terms range from 9 weeks to 10 years. Interest rates range depending on product and lender, with a maximum daily interest rate of 0.8% (0.48% per day representative)

Interest rates vary depending on a number of factors including your repayment history. All interest rates are presented to users of Kamoa via a payment schedule and on the pre-agreement, before any loan agreement is made. There are no additional fees associated with the loans Kamoa lenders make available on the app.

Representative example: If you borrow Ksh 2,000 Over 9 weeks At 0.48% per day (174% APR), you would make nine repayments of Ksh 233,35 per week. You would repay Ksh 1600.52 in total. The total cost of credit Would be Ksh 600.52. Kamoa is a free service and there are no additional fees for users.

KAMOA APP Ltd is a company incorporated and registered in Mauritius with company number 192016 and its registered office address is at c/o Ocorian Corporate Services Limited Wall Street Level 6, Tower A, 1 Exchange Square EBENE.

Kamoa is not a lender

We help users find the best loans available to them.

The lenders on the Kamoa platform offer loans from 500 Ksh to 1.5m Ksh or from 1,500 Nairas to 5m Nairas. Loan terms range from 9 weeks to 10 years. Interest rates range depending on product and lender, with a maximum daily interest rate of 0.8% (0.48% per day representative)

Interest rates vary depending on a number of factors including your repayment history. All interest rates are presented to users of Kamoa via a payment schedule and on the pre-agreement, before any loan agreement is made. There are no additional fees associated with the loans Kamoa lenders make available on the app.

Representative example: If you borrow Ksh 2,000 Over 9 weeks At 0.48% per day (174% APR), you would make nine repayments of Ksh 233,35 per week. You would repay Ksh 1600.52 in total. The total cost of credit Would be Ksh 600.52. Kamoa is a free service and there are no additional fees for users.

KAMOA APP Ltd is a company incorporated and registered in Mauritius with company number 192016 and its registered office address is at c/o Ocorian Corporate Services Limited Wall Street Level 6, Tower A, 1 Exchange Square EBENE.

Kamoa is not a lender

We help users find the best loans available to them.

The lenders on the Kamoa platform offer loans from 500 Ksh to 1.5m Ksh or from 1,500 Nairas to 5m Nairas. Loan terms range from 9 weeks to 10 years. Interest rates range depending on product and lender, with a maximum daily interest rate of 0.8% (0.48% per day representative)

Interest rates vary depending on a number of factors including your repayment history. All interest rates are presented to users of Kamoa via a payment schedule and on the pre-agreement, before any loan agreement is made. There are no additional fees associated with the loans Kamoa lenders make available on the app.

Representative example: If you borrow Ksh 2,000 Over 9 weeks At 0.48% per day (174% APR), you would make nine repayments of Ksh 233,35 per week. You would repay Ksh 1600.52 in total. The total cost of credit Would be Ksh 600.52. Kamoa is a free service and there are no additional fees for users.