CFO

Job Description : CFO TANZANIA platform layering payments, credit and logistics onto a scaled distribution stack, and building toward a durable, independently valuable group. The CFO is central to executing that transition. The Mandate This is a build-and-lead role, not a caretaker one. The financial and credit infrastructure this business needs largely does not yet exist internally, and the surrounding market is early-stage. The CFO is expected to architect the finance and credit function from the ground up, drive the business to profitability, and act as a genuine strategic partner to the CEO on the direction of the company while building the team and systems that will scale underneath them. In the first 12–18 months, success looks like: A clear, defended path to profitability, with unit economics understood line by line and a plan to reduce customer-acquisition cost and operating expense. A finance function that is structured, controlled and audit-ready — ERP embedded, reporting reliable, SOPs in place. A working credit architecture designed and moving toward launch, in partnership with banks, MNOs and (in time) the group’s own book. The CEO holding a finance leader they can rely on for commercial judgement, not just reporting. Key Responsibilities Profitability & Commercial Finance Own the group P&L outcome: drive the business to profitability and defend margin discipline across all lines. Master and manage unit economics — identify and reduce CAC, operating expense and leakage; challenge unprofitable volume. Partner with the CEO and commercial leaders on pricing, margin mix and capital-allocation decisions Finance Function Build-Out Build and lead the finance function end to end: financial control, reporting, budgeting, forecasting and MIS. Own the ERP (SAP Business One) rollout and embed the controls, SOPs and processes around it. Establish board-grade, audit-ready reporting and governance. Credit & Embedded Finance Architect the group’s credit offering hands-on — credit scoring, provisioning and portfolio discipline — initially in partnership with banks and MNOs, building toward an owned lending book over time. Establish the credit function from a blank page and, as the business scales, recruit and lead a team beneath this capability. Partnership with Technology & Data Work with the CTO: the finance, credit and reporting engine is built in code, not in spreadsheets, so finance requirements must be engineered into the product and data roadmap — not bolted on afterwards. Jointly own the data instrumentation behind unit economics and credit scoring — ensure the platforms capture the right data (cohorts, CAC attribution, GMV quality, credit-funded vs. organic demand) and that it flows cleanly into finance, credit and MIS. Partner with the CTO on integrating the ERP (SAP Business One) and the embedded-finance rails (payments, credit) with the group’s platforms, and on automating financial reporting and reconciliation. Working Capital, Treasury & Cash Own the cash-conversion cycle in an inventory-heavy distribution business — inventory, receivables (including growing credit exposure) and payables. Manage cash flow, forecast and fund deficits as they arise Structuring, Tax & Governance Ensure statutory, regulatory and governance compliance, and keep the group audit- and diligence-ready. Capital & Strategic Leadership Sit on the leadership team and contribute materially to the direction of the company. Keep the group investor- and diligence-ready. Required Experience & Qualifications Chartered Accountant (mandatory). Approximately 12–18 years post-qualification experience, with a track record of owning — not merely observing — finance outcomes. Experience within a high-growth Indian e-commerce or B2B-commerce business, Held a senior finance leadership role in a large, scaled and professionally governed company, working directly with the Group CFO and gaining end-to-end exposure to Board reporting, capital allocation, funding, treasury, controls and strategic decision-making. Hands-on experience with credit / lending — credit scoring, credit provisioning, and working with financial institutions to extend customer credit. Demonstrated experience implementing an ERP and building a finance function, controls and SOPs — not only operating an existing one. Strong command of unit economics, working-capital management and cash-flow management. Preferred / Advantageous Big-4 audit training; MBA or CFA. Prior experience in an emerging or frontier market, ideally with limited existing infrastructure to lean on. The Person An owner and a builder — comfortable creating structure where none exists, rather than inheriting it. Commercially sharp and hands-on, willing to go deep into detail and to explain and construct from first principles in a market where these financial services are still nascent. Able to partner deeply with the CTO and engineering — comfortable specifying requirements for a credit engine and data instrumentation, and translating fluently between finance and product. Strong enough to partner with the CEO on strategy and direction, and to build and lead a team over tim

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