Head of Growth

The Head of Growth, United States will provide strategic, commercial, and operational leadership for Chimoney's business in the United States, with primary responsibility for accelerating revenue growth, market expansion, customer acquisition, strategic partnerships, and overall business performance.

Chimoney operates as payment infrastructure supporting global payouts, multi-currency wallets, payment orchestration, APIs, and emerging use cases including AI-agent payments. Its infrastructure supports multiple payment methods and global corridors.

The role holder will develop and execute the U.S. growth strategy, build strategic relationships across the fintech, payments, technology, enterprise, and AI ecosystems, and establish Chimoney as a leading infrastructure partner for businesses requiring programmable, cross-border payment capabilities.

The role will work closely with the Group Managing Director and global leadership team to translate Chimoney's global strategy into a commercially successful U.S. market strategy while ensuring that all activities are undertaken within the Company's applicable regulatory, risk, compliance, and governance framework.

Key Responsibilities

1. U.S. Business Strategy & Leadership

• Develop and execute Chimoney's U.S. business strategy in alignment with Group objectives.
• Define priority markets, customer segments, use cases, and commercial opportunities for the U.S. business.
• Establish clear short-, medium-, and long-term growth objectives.
• Lead the overall performance of the U.S. business and provide regular performance updates to Group leadership.
• Build a high-performance, commercially focused organisation.
• Identify opportunities to establish Chimoney as a leading payment infrastructure partner in the U.S. market.

2. Revenue Growth & Commercial Development

• Develop and execute an aggressive but sustainable U.S. revenue growth strategy.
• Build a robust pipeline of enterprise, fintech, technology, platform, and institutional customers.
• Drive adoption of Chimoney's APIs, payment infrastructure, wallets, payout capabilities, and other applicable products.
• Develop strategies to increase transaction volumes, recurring revenue, customer lifetime value, and profitability.
• Identify new revenue streams and commercial models.
• Develop appropriate pricing and commercial strategies in collaboration with Group leadership.
• Establish and manage the U.S. sales and business development pipeline.
• Build relationships with U.S.-based enterprises requiring cross-border payments, bulk payouts, embedded payment capabilities, and payment orchestration.
• Target fintechs, marketplaces, technology companies, platforms, communities, AI companies, global employers, and other high-potential customer segments.
• Develop solutions and commercial propositions tailored to enterprise customer needs.
• Lead major commercial negotiations and strategic account development.
• Drive conversion of high-value prospects into long-term customers.

4. Strategic Partnerships & Ecosystem Development

Build and maintain strategic relationships with:

• Banks and financial institutions
• Payment processors and payment service providers
• AI companies and AI-agent ecosystems
• Enterprise technology providers
• Global payroll and workforce platforms
• Remittance and cross-border payment businesses
• Channel and integration partners
• Identify partnership opportunities that expand Chimoney's distribution, payment rails, customer base, and market reach.
• Negotiate commercial and strategic partnership agreements in collaboration with relevant Group functions.
• Develop a strong U.S. partner ecosystem around Chimoney's payment infrastructure.

Chimoney currently positions technology, channel, and integration partnerships as important routes to market, including API integrations, white-label solutions, revenue-share arrangements, and ecosystem partnerships.

5. Market Expansion

• Identify high-potential U.S. customer segments and industry verticals.
• Develop market-entry and market-development strategies for priority segments.
• Monitor competitor activity, customer trends, payment technology developments, and market dynamics.
• Identify new payment use cases and commercial applications for Chimoney's infrastructure.
• Develop strategies to increase Chimoney's visibility and market relevance within the U.S. fintech and technology ecosystem.

6. Product & Market Development

• Work closely with Product, Technology, Operations, and Compliance teams to translate market requirements into product opportunities.
• Provide commercial input into product development and prioritisation.
• Identify customer pain points and opportunities to improve Chimoney's products and services.
• Support the development of U.S.-relevant payment products, integrations, and commercial propositions.
• Drive adoption of new products and capabilities within the U.S. market.

7. Customer Acquisition & Retention

• Develop customer acquisition strategies across priority U.S. segments.
• Establish effective customer onboarding and relationship management processes.
• Build strategies for customer retention, expansion, cross-selling, and upselling.
• Monitor customer satisfaction and identify opportunities to improve the customer experience.
• Develop strategic account management approaches for major customers.

8. Financial & Business Performance

• Own the commercial performance of the U.S. business.
• Develop annual business plans, budgets, revenue forecasts, and growth targets.
• Monitor revenue, transaction volumes, margins, customer acquisition costs, operating costs, and profitability.
• Ensure appropriate allocation of commercial resources.
• Identify opportunities to improve unit economics and overall business profitability.
• Maintain strong financial discipline across the U.S. operation.
• Ensure the U.S. business operates within Chimoney's approved regulatory and risk framework.
• Work closely with Compliance, Legal, Risk, Finance, and Operations on regulatory and operational matters.
• Ensure business growth initiatives are appropriately assessed for regulatory, compliance, financial crime, operational, and reputational risks.
• Support regulatory licensing, registration, examination, and supervisory engagements where applicable.
• Ensure customer and partner activities are undertaken only within the Company's approved regulatory permissions and operating model.
• Promote a strong culture of compliance, responsible growth, customer protection, and risk management.

This is particularly important for the U.S. market because money transmission and related payment activities can trigger federal and state-level regulatory requirements depending on the business model and activities undertaken. The role should therefore not independently commit Chimoney to a regulated activity, product, or state market without appropriate Compliance and Legal clearance.

• Build and lead a high-performing U.S. commercial team.
• Recruit, develop, coach, and retain key talent.
• Establish clear performance expectations and accountability.
• Develop succession plans for critical roles.
• Foster a culture of innovation, execution, customer focus, integrity, and ownership.
• Serve as the principal commercial leadership interface between Chimoney's U.S. business and CapitalSage Holdings.
• Work closely with global Product, Technology, Finance, Compliance, Risk, Operations, Marketing, and Legal teams.
• Ensure U.S. market insights are incorporated into global business and product decisions.
• Facilitate effective coordination between U.S. customers/partners and Chimoney's global operations.
• Support the Group's broader international expansion strategy.

12. Market Intelligence & Thought Leadership

• Represent Chimoney at relevant U.S. industry, fintech, payments, technology, and business forums.
• Build relationships with influential industry stakeholders.
• Monitor developments in cross-border payments, embedded finance, digital wallets, payment orchestration, AI-agent commerce, and related technologies.
• Position Chimoney as an innovative and credible player within the U.S. payments and technology ecosystem.

Requirements

• Bachelor's degree in Business Administration, Finance, Economics, Technology, Engineering, or a related discipline.
• MBA or relevant postgraduate qualification is an advantage.
• 10–15 years of progressive experience, with significant experience in senior commercial, business development, fintech, payments, financial services, technology, or related roles.
• Demonstrated experience growing a business in the U.S. market.
• Strong understanding of the U.S. fintech, payments, technology, or financial services ecosystem.
• Proven track record of building enterprise partnerships and generating significant revenue growth.
• Experience working with payment infrastructure, APIs, embedded finance, cross-border payments, wallets, remittances, or related technologies is strongly preferred.
• Experience engaging banks, fintechs, payment processors, technology companies, and enterprise clients.
• Strong commercial negotiation and business development capability.
• Demonstrated ability to build and lead high-performing teams.
• Strong understanding of regulatory and risk considerations within financial services and payments.
• Excellent executive communication, stakeholder management, influencing, and relationship-building skills.
• Strong commercial, financial, analytical, and strategic thinking capability.
• Ability to operate effectively in a fast-paced, technology-driven and internationally distributed organisation.