CarePay is a Kenyan company that administers conditional healthcare payments between funders, patients and healthcare providers. Through our M-TIBA platform, CarePay directs funds from public and private funders directly to patients into a "health wallet” on their mobile phone. The use of these funds is restricted to conditional spending at selected healthcare providers across Kenya. With every transaction, we combine a digital payment with real time medical and financial data collection, to help make healthcare safer and more transparent for both patients and healthcare providers. CarePay has contracted more than 2,000 healthcare facilities across Kenya, with an ambition to drive healthcare inclusion for millions of Kenyans.Role Description The Head of Finance & Payment Operations is a senior leadership role that sits at the intersection of financial stewardship and operational execution. You will own CarePay’s financial health end-to-end — from strategic planning and investor reporting to accounting, tax compliance, and treasury — while simultaneously leading the Payment Operations function that sits at the heart of what we do: moving money reliably, compliantly, and at scale across healthcare ecosystems in Kenya and the Middle East. This is a rare opportunity for a commercially minded finance leader who thrives on complexity, understands the unique demands of fintech and health insurance, and is ready to be a critical voice in shaping CarePay’s next phase of growth. You will be a trusted partner to the Managing Director and a key member of the Management Team.  Finance Leadership Own all Kenya financial planning, reporting, and analysis — including P&L, balance sheet, cash flow, and quarterly re-forecasting — delivered with accuracy and on time. Lead statutory reporting, audits, and compliance with IFRS and local tax regulatory requirements (including PAYE, withholding tax, and VAT) across all CarePay Kenya Drive financial and management reporting for CarePay's licensed claims subsidiary and collaborate with group finance functions across CarePay’s international operations. Lead annual budgeting and multi-year financial modelling; present strategic financial insights and recommendations to the executive team and board. Develop, implement and maintain financial policy frameworks, internal controls, and governance processes that meet both statutory requirements and best practice for a regulated fintech. Oversee treasury, working capital management, and banking relationships; ensure liquidity and capital efficiency across the business. Support deal structuring, pricing analysis, and commercial negotiations as a core member of the executive team. Payment Operations Lead and continuously improve the end-to-end payment operations function, including claims disbursements, provider payments, premium collections, and mobile money integrations. Own payment SLAs, reconciliation accuracy, and exception management; design and enforce payment procedures and controls that ensure timeliness, accuracy, and compliance. Collaborate closely with Product and Technology to improve payment infrastructure, automate manual processes, and scale operations as CarePay enters new markets and segments. Manage relationships with payment service providers, mobile network operators, banks, and insurance regulatory counterparts relevant to fund flows. Ensure payment operations meet all regulatory and AML/KYC obligations across operating jurisdictions; proactively identify and mitigate operational and financial risk. People & Organizational Leadership Build, mentor, and manage high-performing Finance and Payment Operations teams; set clear objectives, provide continuous feedback, and develop talent at every level. Serve as a visible and trusted member of the Management Team (MT); contribute commercial and operational expertise to company-wide strategy, business development, and key decisions. Champion a culture of accountability, operational excellence, and continuous improvement across both functions. Requirements 10+ years of progressive finance leadership experience, with at least 3 years in a senior finance role within fintech, insurtech, or digital health — ideally with exposure to both East Africa and the Middle East. Demonstrable experience owning or closely overseeing payment operations in a regulated environment — including mobile money, claims payments, or insurance premium flows. Deep technical knowledge of IFRS, IAS, and statutory reporting requirements in Kenya; familiarity with insurance regulatory frameworks (IRA) is a strong advantage. Proven track record of hands-on financial management — you have personally owned accounting, controls, audits, and cash management, not just supervised them. Strong commercial acumen: experience in deal structuring, pricing strategy, investor reporting, and partnership negotiations in a growth-stage or scale-up environment. Experienced people leader who has built and developed finance or operations teams; comfortable setting strategy while remaining hands-on where needed. Professional qualification required: CPA (K), ACCA, CA, or equivalent. MBA or additional qualifications in finance, strategy, or insurance are advantageous. High integrity, sound judgment, and the ability to operate effectively in a fast-moving, cross-cultural, international environment — with a genuine commitment to CarePay’s mission of giving everyone the power to care.