Micro financing is 63% of your revenue now. The next growth lives deeper inside each partner's base.
Optasia is B2B2X, so growth happens one layer down, where a partner's customer takes a first airtime advance and, months later, trusts the same rails with a loan. Here is that journey once, walked slowly, with the levers I would work and the one move I would refuse.
Worked example. Amina is illustrative; the platform figures are Optasia's published FY2025 results.
Day 1 The front door is 15 minutes of airtime
Amina sells fabric at a market in Cotonou, Benin, one of your 38 countries. Mid-sale, her phone credit runs out. Her mobile operator, an Optasia partner, advances the airtime instantly; your engine has already scored her from the data the operator holds.
The lever: presence at the moment of need. The offer has to live inside the operator's own top-up flow. This is the product Optasia was founded on in 2012, and it is still where every customer relationship starts.
Month 3 Kept promises become a credit history
She has repaid a handful of advances on time. Nobody filled in a form, because the repayment record itself is the application. Across the platform this happens 34 million times a day.
The lever: let limits grow with trust, not with campaign budget. Every kept promise makes the next offer cheaper to make and safer to accept.
Month 5 The tempting move, refused
Growth pressure says: she repays reliably, push her a ten-times-larger loan now. It would juice this quarter's disbursement number.
Rejected. Your 1.2% default rate is not a statistic, it is the product. One eager campaign can poison a partner's trust in the platform and the health of the whole book.
Month 8 The first real loan, timed to her cash flow
Two days before the big market day, she gets an offer sized to her record. Stock money, repaid within the week from sales. It converts because the timing follows her cash flow instead of a campaign calendar.
The lever: timing beats volume. Offers tied to real cash-flow moments convert without stretching risk.
Month 12 This is what 63% of your revenue looks like
Amina borrows routinely for stock. Her operator earns on every cycle, and micro financing grew 149% last year to become nearly two thirds of Optasia's revenue. Deepening one customer beat acquiring three.
The lever: make deepening measurable per partner: activation of the scored base, advance-to-loan conversion, repeat rate. Then work the weakest number.
In week one this becomes a partner growth review with the Revenue team: which of these levers, for which partner, measured by which number. That meeting is the job, and this page is how I would prepare it.
True to how I work: I designed and built this page with my AI toolchain, Claude Code included, the same way I ship at Swiss Post and on my own products.
Why my skills fit Optasia
New markets, from zero, done twice
You are entering Malaysia and the Philippines and deepening Kenya, Egypt and Ethiopia. I was on the founding team of WePractice, where we closed two funding rounds and grew to 10 locations, 23 people and 170+ customers, and I built growth for several ventures at Sparrow Ventures, from validation to scale-up.
Product and AI that move real numbers
At Ifolor I owned the e-commerce ecosystem of a CHF 100M+ business and lifted conversion 9% and checkout completion 15% through research, testing and analytics. At Swiss Post I lead AI-driven business models from opportunity sizing to go-to-market, including build-versus-buy calls. On my own product, Pedal Peak, I build with AI end to end, so "AI-led" is how I work, not a word I use.
The honest read
I bring no fintech, telco or credit-risk background, and your scoring engine belongs with your data and risk teams. My lane is the layer above it: growth, product and go-to-market that turn a proven platform into more activated customers per partner. If that lane matches an open seat, we should talk; if it does not, I would rather hear that early.
The career behind it
AI Project Lead, Business Development
Swiss Post, Zurich · since Jan 2026
Leads AI-driven business models from opportunity sizing to prioritised roadmap and launch, including build-versus-buy and cost-versus-benefit decisions.
Own ventures and sabbatical
smedium, Pedal Peak · Aug 2025 to Dec 2025
Built smedium to its first paying clients, grew the cycling platform Pedal Peak, and travelled five months.
Senior Product Manager, Lead E-Commerce
Ifolor Group, Zurich · Oct 2024 to Jul 2025
Owned e-commerce strategy for a CHF 100M+ business, reporting to C-level; +9% conversion and +15% checkout completion; led a cross-functional team and agencies.
Lead Project Manager
Brixel, Zurich · Jun 2023 to Sep 2024
Owned the UBS and Baloise partnerships that drove growth; main bridge between senior client stakeholders and the product team.
Marketing & Growth Lead, founding team
WePractice (Sparrow Ventures / Migros Group) · Mar 2020 to May 2023
Founding team of a health venture: two funding rounds closed, 10 locations, 23 people, 170+ customers, and 1000+ client matches in year one; led marketing and sales after Series B.
Growth & Venture Builder
Sparrow Ventures, Zurich · Sep 2019 to Sep 2022
Built growth and go-to-market for several internal startups, from validation to scale-up; experimentation to lift conversion and cut acquisition cost.
Intrapreneur, Innovation
Die Mobiliar, Bern · Jan 2017 to Aug 2019
Took market pilots from MVP to launch, among them Smide, XpertCheck and Lizzy; ran the market experiments that steered product and marketing decisions.
Commercial and product-marketing foundation
Promena, Cruspi, Domaco, Kuoni, AMAG, Bridgestone · 2005 to 2016
FMCG product marketing, trade promotions, accounting, and the commercial apprenticeship where it all started.
About me
I am Swiss, based in Zurich, and my partner and I are planning the move to Dubai, where Optasia keeps its operating office. I am available with notice.
In late 2025 I crossed Togo and Benin by bicycle. Benin is one of your 38 markets, and that trip changed how I read a phrase like "financial inclusion for the next billion customers". I have stood in the market streets where that billion actually shops.
Outside work you will find me on a bike, on a tennis court, or underwater with a dive mask.