In 2017, over half the population in Sub-Saharan Africa had no bank account. That's for good reason—the fees are too high, the closest branch can be miles away, and nobody takes cards. Without access to financial institutions, people are forced to keep their savings under the mattress. Small business owners rely on lenders who charge extortionate rates. Parents spend hours waiting in line to pay school fees in cash.

We're solving this by building financial services that just work: no account fees, instantly available, and accepted everywhere. In places where electricity, water and roads don't always work, you can still send money with Wave. In 2017, we launched a mobile app in Senegal for cash deposit, withdrawal, and peer-to-peer and business payments. Now, we have millions of users across six countries and are growing fast.

Our goal is to make Africa the first cashless continent and that's where you come in...

How you'll help us achieve it

Wave is now the largest financial institution in Senegal, with over 7 million users. And we’re still in the early days of our product roadmap and potential impact on people’s everyday lives.

As a cash recovery officer, you'll be responsible for working with the risk and compliance department to collect outstanding balances from agents and provide creative solutions to the day-to-day issues resulting from rapid growth.

In this role, you'll:

Pursue and engage with agents to recover outstanding balances.
Negotiate repayment terms with agents, employing persuasive strategies to secure settlements.
Design and implement effective cash collection strategies to enhance recovery processes.
Collaborate closely with the agent team and legal counsel to address individual cases and facilitate the recovery of balances.
Ensure the collection of compliance documentation from the agent team for both new and existing active agents.
Monitor complaints filed, ensuring they progress effectively through legal channels, including the Courts of Appeal and the Courts of Cassation.
Foster strong relationships with Compliance Officers and maintain consistent communication with judges to support case resolutions.
Meet monthly with the finance team to review corporate collection cases and determine actionable steps.
Create and maintain a detailed notes document to track case progress and a file to record all amounts collected and payments made.
Analyze cases alongside the integration team to ensure consistent, updated information is shared with the finance team.
Organize and lead meetings with the relevant committees to coordinate and communicate all stages of the collection process, including reminders, calls, and visits.

Key Details

Location: You'll work from our office in Kotu and may travel to field locations.
Work authorization in The Gambia is required.
This is a permanent position.
Our salaries are competitive and calculated using a transparent formula.
We support working parents - we offer 26 weeks of parental leave for mothers and 4 weeks for fathers, in addition to subsidized child care when they return to work.
Airtime reimbursement.
Free food and a beautiful office space.

Requirements

3+ years of hands-on experience in cash recovery within a financial institution or similar enterprise.
Comfortable with digital tools, including data entry systems and Excel.
Hold a bachelor's degree in finance, economics, or a related field.
Demonstrate strong numeracy skills, with a knack for working with figures.
Known for precision and a sharp eye for detail.
Fluent in French and at least one local language.

You might be a good fit if you

Have a proven track record in managing cash recovery operations within a microfinance institution or similar organization.
Possess a legal background or demonstrate extensive experience working collaboratively with law enforcement and legal professionals.
Approach tasks with determination, persistence, and a commitment to excellence.
Excel in dynamic, hands-on, field-based roles, preferring active engagement over desk-based tasks.
Are energized by teamwork, take the initiative, and consistently contribute to group success.
Exhibit exceptional negotiation skills, particularly in high-pressure or complex scenarios.
Prioritize personal and professional growth, leveraging honest self-assessment to drive continuous improvement.

Our team

We have a rapidly growing in-country team in Senegal, Côte d'Ivoire, Mali, Burkina Faso, The Gambia, and Uganda, plus remote team members spread across the world.
We're deeply passionate about our mission of bringing radically affordable financial services to the people who need them most.
We foster autonomy for our employees. You'll own your projects at every stage, from understanding the problem to monitoring your solution in production.
We raised the largest Series A in Africa in 2021. Our world-class investors, include Founders Fund, Sequoia Heritage, Stripe, Ribbit Capital, Y Combinator, and Partech Africa.
We are on Y Combinator's top companies by revenue.

How to apply

Fill out the form below, and upload a resume in English and a cover letter describing your interest in Wave and the role.

We review applications frequently and recommend that you apply to the role that most closely aligns with your skills, experience and career goals.

Wave is an equal-opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees.

Apply now

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