About Jumo

Our mission

Creating systemic change on a massive scale by advancing financial inclusion across the globe.

Our challenge

80% of the world’s population are excluded or underserved by traditional financial services. JUMO is the largest and fastest growing technology platform for operating inclusive mobile financial services marketplaces in emerging markets. We provide information services and financial infrastructure and products designed to reach those people who previously had no access.

JUMO partners with forward-thinking businesses such as banks and mobile network operators to connect MSMEs and individuals to facilities for saving, securing investment and borrowing - so they can invest and grow.

JUMO’s platform leapfrogs the prohibitive operational and risk costs faced by traditional financiers. Advances in technology and data analytics have enabled us to build powerful credit score algorithms using only behavioural data. We use cloud computing and artificial intelligence to drive down price and increase eligibility. Currently, JUMO manages more than 45 million customer interactions on the platform every month.

Our platform

Our platform is robust, safe and founded on extensive research. We are continuously developing the key capabilities of the platform to ensure scalability and allow for integration with many ecosystems.

Our platform has been built from the ground up using an agile approach and we are on a journey to a full microservices architecture that is deployed entirely through cloud infrastructure. This allows us to perform near real-time analytics and prediction to build individualised customer journeys and products. The analytics engine converts every user’s interaction with our platform into intelligence. This intelligence is converted into behavioural information and used in predictive models.

Our success is dependent on the rate at which we can build this platform and we rely heavily on a talented engineering team that is resourced at the required capacity level.

What you'll be building

In principle, there is no ceiling to the tools and technologies we explore. In practice, you're likely to work on a Rails codebase, Ruby, Go and Python microservices, various API serialization and data interchange formats including JSON and protocol buffers, various cloud platforms such as Amazon Web Services and Heroku, queueing technologies, building dev & helper tools and generally taking an interest in helping your fellow techies solve challenging problems.

Our culture

We are a commercial company driven by ethics. We care about social development and having a meaningful impact.
JUMO is an active learning, rapid growth environment.

JUMOnauts are driven and energised by an ambitious purpose.

• we learn and implement fast
• our trajectory is steep and we are relentless about our mission
• with forward thinking and deep focus we transcend our massive transformative purpose
• our people solve big problems, think creatively and challenge old ways of operating
• we are interdependent, we set others up or success and we are inspired by our exceptional people
• we encourage diversity of identity and background, yet share and live a common set of behaviours
• we intentionally create a positive, empowering human work environment, physically and virtually, that promotes connection and real relationships.

Leadership

Our approach to leadership is one of enabling vs. directing or telling, and inspiring individuals to take responsibility, make decisions and develop their potential. We devolve leadership wherever possible and encourage autonomy relative to each individual’s experience and business understanding.

At JUMO everyone is expected to lead.

We strive to create a shared consciousness and ensure that everyone understands our mission and enough about the business to make decisions and act appropriately. We make information transparent and share it effectively and regularly, providing context to make it relevant to individual roles.

We purposefully create an environment for people to learn through challenging first-time assignments, to reflect and to openly share constructive feedback that enables us to fail fast and move beyond ordinary limitations.

We learn and progress through being bold, balancing radical execution with sound judgement and a strong focus on reality.

Why work for us

As a rapidly growing technology and data analytics company, we are building a diverse team of exceptional people from all over the world to accelerate our mission to deliver progressive financial product choices to underserved markets. We provide relocation support.

We look for innovators who want to push the boundaries and create things that have never been done before. Our company culture allows out-of-the-box thinking and we look for people who are willing to take calculated risks while constantly challenging themselves. In principle there is no ceiling to the tools and technologies we explore. Although engineering teams all follow agile practices--specifically for the purpose of making work visible and transparent--teams tend to experiment and settle on an approach that works for them.

Aside from working with some exceptionally smart people who never seem to get their fill of doing cool stuff, you get to choose the path you follow at JUMO. Our discuss-the-endpoint-and-we'll-help-you-get-there philosophy means that your career track is completely up to you.