Kuda is a full-service, app-based digital bank. Our mission is to be the go-to bank not just for those living on the African continent, but also for the African diaspora wherever they might live, anywhere in the world. Kuda is free of ridiculous banking charges and great at helping customers budget, spend smartly, and save more. 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
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
Analytics & Commercial Modelling
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
Product-Specific Pricing
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
Cross-Functional Leadership
Partner with Product, Finance, Risk, Compliance and Commercial teams to embed pricing into product development and go-to-market processes
Educate the organisation on pricing principles — build internal capability so pricing thinking is distributed, not siloed
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
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
Advantageous:
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