JOB PURPOSE:

The Chief Commercial Officer (CCO) is responsible for leading Savanna PayPulse Limited's commercial strategy, revenue growth, customer acquisition, distribution, agent and merchant network development, partnerships and market expansion.

The CCO will develop and execute strategies to grow the Company's customer base, transaction volumes, revenues and market presence across SavMoney and other approved digital financial services. The role will ensure that commercial growth is achieved sustainably and in accordance with applicable regulatory requirements, approved product parameters, customer protection requirements, internal policies and the Company's risk appetite.

KEY RESPONSIBILITIES:

A. Commercial Strategy and Leadership

Develop and implement the Company's commercial strategy and growth plan.

Establish revenue, customer acquisition, transaction volume and market-share targets.

Identify new commercial opportunities, customer segments and distribution channels.

Develop strategies for sustainable revenue growth and customer retention.

Provide commercial leadership and direction to the sales and business-development teams.

Monitor market trends, customer behaviour and competitor activity.

B. Customer Acquisition and Growth

Lead customer acquisition and retention strategies.

Develop strategies for individual, merchant and business customer acquisition.

Drive customer activation, usage and transaction frequency.

Develop customer segmentation and targeted commercial strategies.

Monitor customer acquisition costs, customer lifetime value and commercial performance.

Identify opportunities to improve customer experience and product adoption.

C. Agent and Merchant Network Development

Develop and execute the Company's agent and merchant network strategy.

Set targets for agent and merchant acquisition, activation, productivity and retention.

Identify strategic locations and market segments for network expansion.

Develop commercial programmes to improve agent and merchant productivity.

Monitor agent and merchant performance and recommend corrective action.

Ensure commercial activities are consistent with approved onboarding and compliance requirements.

Develop partnership proposals and business cases.

Monitor commercial performance of strategic partnerships.

Identify opportunities for integrations and embedded payment solutions.

Maintain strong relationships with key commercial stakeholders.

F. Products, Pricing and Revenue

Work with Product, Operationis, Finance, Technology and Risk & Compliance teams on product development and commercialisation.

Develop pricing and revenue strategies based on market conditions and approved business objectives.

Monitor product profitability and transaction economics.

Recommend pricing adjustments and commercial initiatives.

Ensure commercial proposals are supported by appropriate financial, operational and risk analysis.

Monitor the performance of individual products and customer segments.

G. Market Intelligence and Competitor Analysis

Conduct regular market and competitor analysis. Monitor developments in mobile money, fintech, payments and digital financial services. Identity energing customer needs and commercial opportunities.

Benchmark Savanna PayPulse Limited's products, pricing and distribution against the market

Provide Management with recommendations on market positioning and growth opportunities.

H. Commercial Risk and Compliance

Ensure commercial activities comply with applicable laws, regulations and intemal policies.

Work with Risk & Compliance to ensure customer acquisition, promotions, pricing and sales practices meet regulatory requirements.

Ensure appropriate controls exist to prevent mis-selling, misleading representations and inappropriate customer acquisition practices.

Escalate material commercial, reputational or customer risks.

Ensure commercial teams comply with approved KYC, AML/CFT, consumer protection and product requirements.

1. Commercial Reporting

Establish commercial dashboards and performance reports.

Report customer growth, transaction volumes, revenue, sales performance, agent/merchant performance and market development to Management.

Monitor performance against commercial budgets and targets.

Escalate material underperformance and recommend corrective actions.

Provide commercial forecasts and business-development reports.

QUALIFICATIONS & EXPERIENCE:

A. Education

Bachelor's Degree in Business Administration, Marketing, Commerce, Economics, Finance or a related field.

Master's Degree in Business Administration, Marketing, Finance or a related field is desirable.

B. Professional Qualifications

Professional qualification in one or more of the following is desirable:

• Chartered Institute of Marketing or equivalent.
• MBA or relevant postgraduate qualification.
• Certified Payments Professional or relevant fintech qualification.
• Digital marketing, sales or business-development certification.

C. Experience

Minimum 8-10 years' relevant commercial, sales or business-development experience, with at least 5 years in a senior commercial leadership role.

Experience in one or more of the following sectors is preferred:

• Fintech
• Mobile Money
• Telecommunications
• Banking
• Payment Services
• Financial Services

Proven experience growing digital financial services, mobile money or payment products.

Strong experience managing agent, merchant or distribution networks.

Experience negotiating strategic partnerships and commercial agreements.

Experience in a regulated financial or telecommunications environment is highly desirable.

• Develop and implement the Company's commercial strategy and growth plan.
• Establish revenue, customer acquisition, transaction volume and market-share targets.
• Identify new commercial opportunities, customer segments and distribution channels.
• Develop strategies for sustainable revenue growth and customer retention.
• Provide commercial leadership and direction to the sales and business-development teams.
• Monitor market trends, customer behaviour and competitor activity.
• Lead customer acquisition and retention strategies.
• Develop strategies for individual, merchant and business customer acquisition.
• Drive customer activation, usage and transaction frequency.
• Develop customer segmentation and targeted commercial strategies.
• Monitor customer acquisition costs, customer lifetime value and commercial performance.
• Identify opportunities to improve customer experience and product adoption.
• Develop and execute the Company's agent and merchant network strategy.
• Set targets for agent and merchant acquisition, activation, productivity and retention.
• Identify strategic locations and market segments for network expansion.
• Develop commercial programmes to improve agent and merchant productivity.
• Monitor agent and merchant performance and recommend corrective action.
• Ensure commercial activities are consistent with approved onboarding and compliance requirements.
• Develop partnership proposals and business cases.
• Monitor commercial performance of strategic partnerships.
• Identify opportunities for integrations and embedded payment solutions.
• Maintain strong relationships with key commercial stakeholders.
• Work with Product, Operationis, Finance, Technology and Risk & Compliance teams on product development and commercialisation.
• Develop pricing and revenue strategies based on market conditions and approved business objectives.
• Monitor product profitability and transaction economics.
• Recommend pricing adjustments and commercial initiatives.
• Ensure commercial proposals are supported by appropriate financial, operational and risk analysis.
• Monitor the performance of individual products and customer segments.
• Conduct regular market and competitor analysis. Monitor developments in mobile money, fintech, payments and digital financial services. Identity energing customer needs and commercial opportunities.
• Benchmark Savanna PayPulse Limited's products, pricing and distribution against the market
• Provide Management with recommendations on market positioning and growth opportunities.
• Ensure commercial activities comply with applicable laws, regulations and intemal policies.
• Work with Risk & Compliance to ensure customer acquisition, promotions, pricing and sales practices meet regulatory requirements.
• Ensure appropriate controls exist to prevent mis-selling, misleading representations and inappropriate customer acquisition practices.
• Escalate material commercial, reputational or customer risks.
• Ensure commercial teams comply with approved KYC, AML/CFT, consumer protection and product requirements.
• Establish commercial dashboards and performance reports.
• Report customer growth, transaction volumes, revenue, sales performance, agent/merchant performance and market development to Management.
• Monitor performance against commercial budgets and targets.
• Escalate material underperformance and recommend corrective actions.
• Provide commercial forecasts and business-development reports.

• Commercial strategy development and execution
• Revenue growth strategies
• Customer acquisition and retention
• Distribution channel development
• Agent and merchant network development
• Partnership management
• Market expansion
• Digital financial services
• Regulatory compliance
• Customer protection
• Risk management
• Sales leadership
• Business development
• Market trend analysis
• Customer segmentation
• Product development and commercialisation
• Pricing strategies
• Revenue strategies
• Market intelligence
• Competitor analysis
• Commercial risk management
• Compliance management
• Financial analysis
• Operational analysis
• Negotiation

• Bachelor's Degree in Business Administration, Marketing, Commerce, Economics, Finance or a related field.
• Master's Degree in Business Administration, Marketing, Finance or a related field is desirable.
• Professional qualification in one or more of the following is desirable: Chartered Institute of Marketing or equivalent, MBA or relevant postgraduate qualification, Certified Payments Professional or relevant fintech qualification, Digital marketing, sales or business-development certification.