FairMoney

For individuals in emerging markets, it can be difficult to access lending services from traditional banks, making it difficult to get a business off the ground or to secure funds in an emergency. FairMoney is a digital bank that supplies instant loans with no collateral required, to level the finance playing field for underbanked consumers.

• Start with the Client: We are passionate about improving access to financial services in the emerging world and go into exceptional depth to understand our client’s pain-points.
• Own, don’t rent: We are radical owners who claim 100% ownership for a task, and do not rest till we accomplish our goal. We think of owning a task like owning a property.
• We are all Scientists: No matter our domain, we follow a systematic approach towards problem-solving through reduction, collaboration, and iteration.
• 70/30 Principle: We believe in speed over certainty, and avoid over-analysis by making decisions based on 70% of the available data and a 30% margin of error.
• Fly High, Fly Low: We fly high to strategize and make bold plans, then fly low and get our hands dirty to ensure the quality and comprehensiveness of the implementation.
• Focus (2.5): In a fast-paced environment, it is always important to know what NOT to focus on. 2.5 projects per week is all that we can handle to balance depth and workload.
• Growth Mindset: Talent is just a starting point that can be exponentially enhanced through the application of curiosity and hard work, while iterating on problems.
• Direct Feedback: We value the power of regular & direct feedback, as this helps all of us grow. The ‘How’ matters: Being courteous and good-natured costs nothing.
• Churn 9 to 5: We LOVE our work and measure output in terms of goals achieved. The 9 to 5 mentality is a vestige of corporate where employees don’t like their jobs.
• Talent has no Passport: Talent is distributed equally across the world and we value & embrace adding different cultures, nationalities, and genders to our team.