Chief Financial Officer

We are seeking a high-caliber, forward-thinking InsurTech or FinTech Financial Strategist to serve as our founding Chief Financial Officer (CFO). Operating in a lean, digital-first startup environment, S/He will be responsible for building our financial architecture from the ground up where, traditional corporate models do not align with high-volume, low-margin microinsurance transaction flows. This role will combine financial and actuarial rigor with a tech-forward mindset,managing capital allocation, automated accounting infrastructure for real-time premium collection, digital payouts and ensure strict institutional compliance. Key Responsibilities • Implement automated accounting systems capable of seamlessly reconciling high-volume, micro-tier transactions driven via digital infrastructure and alternative payment networks. • Guarantee full compliance with financial reporting and technical requirements set by regulators. • Actively monitor, model and maintain regulatory Capital Adequacy requirements (CAR) as per the Insurance Act and/or the regulation for microinsurance entities. • Partner with the CEO to synthesise short-term going concern realities with long-term financial sustainability while preparing real-time dashboards, cash-flow models and performance metrics for the Board of Directors and strategic partners. • Work closely with technical partners and actuarial teams to model risk portfolios, manage underwriting premium allocations and monitor performance such as investment income streams and other technical analyses. • Oversee financial data flows to ensure absolute adherence to relevant data protection and consumer privacy frameworks across cloud hosted processing environments. Mandatory Academic & Professional Qualifications To satisfy the stringent executive vetting frameworks enforced by the Pensions and Insurance Authority (PIA), candidates must possess: • Grade 12 Certification: Full Form V or Grade 12 Certificate with a ● minimum of five credits, including English and Mathematics. • Primary Degree: A Bachelor’s Degree from a recognised university in Accountancy, Finance, Actuarial Science, Financial Mathematics, or a highly quantitative financial discipline. • Academic Validation: Degrees obtained outside Zambia must be accompanied by an evaluation certificate from the Zambia Qualifications Authority (ZAQA). Professional Credentials • Full professional qualifications such as CA Zambia, ACCA, or CIMA. • Professional Body Membership: Active, paid-up fellow or associate membership with the Zambia Institute of Chartered Accountants (ZICA) is non-negotiable. Required Profile & Competencies • Agile Financial Leadership: A proven track record of 5+ years in a senior financial management role (e.g., Finance Manager, Head of Finance, or CFO) within an InsurTech, FinTech, digital payments environment, or a high-growth tech operation. • Startup Execution Grit: Experience or strong comfort working within a lean startup framework where you are expected to execute both hands-on accounting reconciliations and high-level corporate capital structuring. • Tech-First Operations: Deep comfort or direct experience leveraging digital ERPs, cloud accounting platforms, automated reconciliation scripts, and transaction processing APIs. • Regulatory Vetting Readiness: Must pass the full statutory Fit and Proper Person assessment administered by the PIA (covering flawless financial integrity, creditworthiness checks, professional standing, and clean criminal record clearances). • Investment & Funding Fluency: Competence in assisting with capital-raising initiatives and managing relationships with international development agencies and impact investors.