About Flowt:
Flowt is building the business loans marketplace for Africa, leveraging AI-powered, data-driven lending decisions. We use AI for real-time analysis of finances, rapid due diligence, and pre-approvals for lenders. Businesses connect their accounting software through an API for an AI-powered assessment of their books including red flags from a lender's perspective, customized tips on how to improve, and analysis of what size loan they can afford. Thereafter, our AI-driven risk assessment engine rapidly conducts due diligence including financial intelligence, leadership team assessment, and reputational risk checks, resulting in a detailed investment memo and lender matchmaking, to help the company secure multiple offers. In the early days, we will also lend to select companies on our balance sheet, to prove the model and build the dataset needed to onboard traditional financial institutions.
The Opportunity:
African businesses face a critical financing gap which keeps them from scaling - traditional lenders require 6-9+ months for due diligence while charging high interest rates. Our mission is to improve access to finance for the entrepreneurial companies which create jobs and advance African economies.
What You'd Build:
As Co-Founder & CFO, you'll own the complete financial and lending strategy including:
- Building relationships with banks, lenders, and financial institutions across African markets
- Developing credit assessment frameworks and risk management policies for our lending operations
- Managing our balance sheet lending activities and refining underwriting standards
- Structuring debt financing products and partnership terms with traditional financial institutions
- Overseeing financial operations, compliance, and regulatory requirements across multiple markets
- Fundraising for scale-up capital, alongside the CEO
What We're Looking For
- 7+ years in credit assessment, debt financing, or lending operations
- Established relationships with banks and lenders in Africa, particularly in Kenya
- Experience with risk management, underwriting, and financial analysis
- Excel “wizard” with ability to supervise the development of complex financial models
- Entrepreneurial mindset with experience on the leadership team of a startup
- Demonstrated experience fundraising or helping startups to fundraise
- Able to represent the company externally with investors and key stakeholders
- Passion for improving access to finance for early-stage businesses
Why This Matters
- Massive impact: Address a multi-billion dollar financing gap for startups in Sub-Saharan Africa
- Cutting-edge tech: Work at the intersection of AI, fintech, and emerging markets
- Founder equity: Significant stake in building a fast growing company
- Strong foundation: Experienced team, VC networks, and banking partnerships
Ready to build the future of African startup financing? Join us in creating a platform that empowers the next generation of African entrepreneurs!
Similar Jobs
What We Do
Our mission at Delta40 is to increase incomes and tackle climate change in Africa by building and investing in inclusive climate innovations. At Delta40, we invest in Africa because 40% of the world will live on this continent by 2100. We invest in energy, agriculture and mobility innovations because they are essential to sustainable growth. We invest in climate innovation because we only have 10 years to act to prevent irreparable damage to Planet Earth. We invest in diverse Founders because they are close to the customer and bring critical ideas, experiences and skills to solving the biggest problems on this important continent. Beyond capital, our venture studio team provides hands on support, shared services and partnerships to our ventures and Founders to increase speed, returns and impact. Together, we aim to deliver life-changing innovations to the last mile across Africa and to build a community of Founders go from idea to scale to exit.
