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Author: Zoe Mandalios

Small loans, big futures: finance for Southern Africa

As Country Manager for Southern Africa at JUMO, Joanne Chanda oversees growth and operations across Zambia and South Africa, and has set her sights on scaling JUMO’s footprint throughout the Southern African region. Based in Lusaka, she manages partner relations from grassroots to managing director level, navigates regulatory requirements with central banks and data protection […]

Unlocking capital, unlocking potential

In the first half of 2026 JUMO celebrated disbursing more than US$10 billion in working capital to micro entrepreneurs and short-term consumer borrowers in Africa. Chief Operating Officer for JUMO, Susie Squire leads JUMO’s capital partnerships team. She reflects on why narrowing Africa’s capital gap is one of the most important economic opportunities of our […]

From West to East: Africa’s Fintech Future

Regional Manager Cliff Siyam leads our work in West Africa, currently across Benin and Côte d’Ivoire, with Cameroon and Burkina Faso launching this year. Wilfred Wabwire heads up East Africa, where we operate across Uganda, Kenya, and Tanzania. They shed light on fintech trends for these regions. West Africa By Cliff Siyam, Regional Head, West […]

Diversity that delivers

As Chief: Product and Payments Partnerships for JUMO, Bradwin Roper plays a pivotal role in expanding access to financial services across Africa, and leads the multi‑country team responsible for building and managing our partnerships.

Responsible lending in the era of digital credit

Digital credit is reshaping financial behaviour in Africa. From micro-retailers to smallholder farmers, millions are turning to mobile-enabled lending to finance their businesses, pay for school fees, and navigate everyday financial shocks.

The future of lending: fintech and AI

Niklas von Maltzahn unpacks JUMO’s focus on harnessing the power of technology, including the view that AI can be a force for good when it’s used to expand access to financial services responsibly.

Why hiring the right people matters

Talent is the engine behind the bank tech we build at JUMO. In a business transforming financial access in Africa, finding and growing the right people is just as important as the technology itself.

Financial inclusion in Africa: Ghana is leading

Ghana is ranked number 1 globally for mobile-money regulation on the GSMA Mobile Money Regulatory Index, and according to multiple local reports (including CitiNewsroom and BusinessGhana),

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Diane Radley

Diane was a partner at PriceWaterhouse Coopers where she led their Transaction Services group advising on listings and corporate transactions. She served as CFO on JSE listed Altron and then Old Mutual after which she took the reins at Old Mutual Investment Group as CEO for 6 years. She currently serves on various international listed boards.
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Bradwin Roper

A visionary leader inbanking, fintech and telecommunications. Bradwin has 17 years of diversified experience across these sectors and is renowned for his strategic vision, financial acumen, and leadership.His proficiency in engaging with stakeholders at multiple levels has consistently resulted in delivering impactful outcomes in complex scenarios.

We're committed to building financial tools that are not only fast and accessible, but also personalised and responsible.
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Joseph Mucheru

Joseph Mucheru

Joe was the former Kenyan Cabinet Secretary in the Ministry of ICT from 2015 to 2022. He brings a wealth of government experience and knowledge of African tech to the JUMO exec team and board.

Joe was also previously the head of Sub-Saharan Africa for Google, where he led strategy, business planning & operations.

Organisations like JUMO have never been more important for protecting livelihoods, facilitating financial inclusion, and driving economic growth.
Joseph Mucheru
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Fábio Matos

Fábio has worked in systems and software development for over 18 years. His tech leadership experience covers e-commerce and banking. He helped build the engineering team for neobank N26, and is building a world-class, compliant and scalable platform for JUMO.

JUMO has built a strong technology base with new features and functionality constantly on the horizon. We are ready for whatever comes our way.
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Paul Whelpton

Paul Whelpton

Paul is CEO of JUMO and a recognised industry leader in AI. He previously spent seven years leading analytics teams at a top tier Bank. His experience spans retail, business and commerce with a focus on creating yield from large scale information management systems.
JUMO is an information enablement company that’s creating value for partners, and ordinary people. Customers can access credit in real time at a low cost of risk.
Paul Whelpton
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Susie Squire

Susie joined JUMO after five and a half years at Woolworths Holdings Limited, where she was Group Head of Communications. Before joining Woolworths, she was the Press Secretary to the British Prime Minister, David Cameron, and was responsible for coordinating cross government communications and campaigns. Before that, Susie was at the Department for Work and Pensions, working as part of a team that oversaw wholesale reform of the welfare system. Susie has over 12 years’ international communications and corporate affairs experience spanning markets across Africa and Europe.

We have an unmatched ability to serve high quality, low cost financial products to customers at scale in emerging markets.
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Andrew Watkins-Ball

Andrew is founder of JUMO and served as the CEO for over a decade. He’s built various businesses including Gateway Telecoms, a satellite service provider sold to Vodafone for $675M. He spent seven years at Salomon Brothers in London and New York and is partner in a fund focused on the energy sector.

Everyone should have access to the best financial choices. We’ve built the brain and pipes that hold and carry information for banking systems.
Andrew Watkins-Ball
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Michael Ball

Michael has over 20 years’ experience in CFO roles and a successful track record for building scale and value. He is recognised industry-wide for operational efficiency, business transformation, liquidity management, financial structuring, refinancing and IPO preparation and execution. During his previous tenures as Group CEO for Zepz/WorldRemit and Sysco, his financial responsibilities also included strategy and M&A. Michael lives in North London with his wife, Eloise, young daughter, Amelie and two dogs. He likes to keep fit, plays very average golf and is a season ticket holder at Manchester United.

JUMO is powering growth by constantly building scale and value.