AGENT LIQUIDITY LEAD

OVERVIEW

Wave Mobile Money Inc. is a financial technology company working to make Africa the first cashless continent by providing accessible, affordable, and reliable financial services. Since launching its mobile money app in Senegal in 2017, Wave has expanded to serve millions of users across several African countries.

Wave is seeking a resourceful and results-driven Agent Liquidity Lead to manage agent liquidity and cash operations in Malawi. The successful candidate will ensure that agents have sufficient cash and electronic money to meet customer needs while maintaining cost-effective operations, strong security standards, and compliance with service-level agreements.

JOB TYPE: Full Time (Permanent)

Date Posted: Wednesday, 21st October 2026

Application Deadline: Saturday, 31st October 2026

Duty Station: Lilongwe, Malawi, with frequent travel to upcountry locations

JOB SUMMARY

The Agent Liquidity Lead will oversee liquidity management across Wave’s agent network in Malawi. The role involves coordinating agent rebalancing, bank cash collections, cash-in-transit operations, and the management of premium agencies and premium master agents.

The successful candidate will also lead a field-based team, develop liquidity strategies and operational processes, monitor liquidity nationwide, and identify innovative solutions to minimise liquidity challenges. The role requires strong leadership, analytical ability, relationship management, and a commitment to security and operational excellence.

Work Authorisation: Applicants must be authorised to work in Malawi.

KEY RESPONSIBILITIES

• Manage liquidity across the national agent network, minimising liquidity shortages and ensuring effective agent rebalancing.
• Coordinate cash collections from banks and other cash movement operations to maintain adequate liquidity at agent points.
• Oversee cash-in-transit firms and ensure compliance with service-level agreements (SLAs) and operational requirements.
• Coordinate the establishment, maintenance, and staffing of premium agencies and premium master agents.
• Build, lead, and manage a skilled field-based team capable of supporting Wave’s growing operations.
• Develop the team structures, policies, processes, and strategies required to meet agent liquidity needs.
• Monitor liquidity levels nationwide and identify priority areas requiring intervention.
• Identify and implement innovative solutions, projects, processes, and tools to improve liquidity operations.
• Contribute expert input to policy reviews and operational process documentation.
• Lead knowledge-sharing and transfer sessions with operations teams in other Wave countries.
• Enforce security standards and procedures and promptly report any operational or security challenges.
• Perform other duties assigned by the line manager.

KEY REQUIREMENTS

Academic Qualifications

• A Bachelor’s degree in Finance, Accounting, Business Management, or a comparable field.

Professional Experience

• At least five (5) years of experience managing liquidity in mobile money operations, retail commercial banking, cash movements, cash-in-transit operations, or treasury.
• At least two (2) years of experience building, leading, and managing field-based teams.
• Proven experience in customer relationship management.
• Strong knowledge of agent network management and negotiation.

Technical Skills

• Fluency in English and a local language.
• Proficiency in Microsoft Excel and/or Google Sheets.
• Strong analytical skills and the ability to interpret liquidity and operational data.
• Ability to document processes and transfer knowledge effectively.
• Understanding of liquidity challenges in rapidly expanding agent networks and approaches to maintaining adequate liquidity.

PERSONAL ATTRIBUTES AND SKILLS

The ideal candidate should:

• Demonstrate integrity and uphold high ethical standards.
• Be adaptable, resourceful, and creative when solving operational challenges.
• Communicate effectively and proactively, both verbally and in writing.
• Be willing to test new ideas, learn from setbacks, and improve existing processes.
• Demonstrate strong leadership, teamwork, and relationship-management skills.
• Be persistent, self-motivated, and committed to achieving results.
• Understand operational processes from the perspective of agents and customers.
• Be willing to travel approximately 70% of the time within Malawi.

LOCATION AND TRAVEL REQUIREMENTS

• Duty Station: Lilongwe, Malawi.
• Travel: Approximately 70% of working time within Malawi.
• Work Authorisation: Candidates must be authorised to work in Malawi.
• Employment Type: Permanent position.

SALARY AND BENEFITS

Wave offers:

• Competitive salaries calculated using a transparent formula.
• Generous health insurance for employees and their dependants.
• Parental leave of 26 weeks for mothers and four weeks for fathers.
• Subsidised childcare for returning parents.
• Airtime reimbursement.
• Free food and a well-equipped office environment.

HOW TO APPLY

Interested and suitably qualified candidates should apply through Wave’s official recruitment portal.

Applicants must complete the online application form and upload:

• A resume/CV written in English.
• A cover letter explaining their interest in Wave and the Agent Liquidity Lead position.

Application Link: https://www.wave.com/en/careers/job/6229395004/index.html?gh_jid=6229395004&gh_src=tv3cp6o74us

Closing Date: Saturday, 31st October 2026.

Wave reviews applications regularly and recommends applying for the role that most closely matches your skills, experience, and career goals.

Wave is an equal-opportunity employer that celebrates diversity and is committed to creating an inclusive working environment.