“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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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
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.
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.
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)
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)
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.
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.
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.
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.
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.
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.
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.
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.
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.