Pulse brings together a rare mix of expertise, behavioural scientists who understand why people make decisions, data scientists who can detect patterns at scale, and payments veterans who know how card portfolios actually work.
Card issuers sit on vast repositories of behavioural data. Most of it goes unused. We built Pulse to close that gap, turning transaction signals into personalised interventions that grow revenue for banks and deliver genuine value to cardholders.
We hire people who are exceptional at one thing and genuinely curious about the other two.
Previously built ML infrastructure for transaction fraud detection at a top-5 global card network. Leads Pulse's segmentation engine and real-time inference pipeline. PhD in Statistical Learning.
Specialises in time-series models for consumer spending behaviour. Previously at a pan-African mobile money operator, where she built churn prediction models across 8 markets. MSc Data Science.
Builds the feature engineering and model serving layer that makes Pulse's nudge recommendations run in under 200ms. Former quantitative analyst at a Tokyo-based algorithmic trading firm. MEng in Computer Engineering.
Academic background in decision science and incentive design. Spent six years applying nudge theory in financial services at a European central bank research unit before joining Pulse. DPhil in Behavioural Economics.
Researches how financial behaviour differs across consumer segments in sub-Saharan Africa and the Gulf. Designed A/B testing frameworks for Pulse's campaign library. MSc Behavioural and Economic Science.
Translates behavioural research into campaign messaging, timing logic, and channel sequencing. Previously led CRM strategy for a major retail bank in Southeast Asia. MSc Applied Psychology.
15 years in card issuing across West Africa and the Middle East. Previously SVP of Card Products at a pan-African bank, responsible for a portfolio of 3.2 million active cards. Saw the behavioural data opportunity firsthand and co-founded Pulse to address it.
Spent a decade at a leading global card scheme's emerging markets division, advising issuers on portfolio growth and interchange optimisation across Africa and Southeast Asia. Brings deep knowledge of scheme economics and issuer incentive structures.
Former Head of Retail Banking at a Bahrain-based card issuer. Manages Pulse's relationships across the Gulf and oversees implementation for new bank clients. Brings the issuer's perspective to every deployment.
Every campaign we design is grounded in peer-reviewed behavioural research, not gut feel. We hold our own interventions to the same rigour.
Every campaign is compared against a holdout group. If a nudge doesn't move the number, it doesn't run again. Revenue attribution is non-negotiable.
Our models are trained on data from Africa, the Middle East, and Southeast Asia, not retrofitted from Western markets. Context matters enormously in behaviour.
A nudge that irritates a cardholder is a nudge that fails. We optimise for relevance as hard as we optimise for conversion, because long-term loyalty is the real prize.
If you're a data scientist, behavioural researcher, or payments specialist excited about this problem, we'd like to hear from you.
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