Hamza Anejjar is a Customer Success and Financial Account Manager at Finnt. Today, we are talking about his background and the last couple months he spent at Finnt.
Lina Albin (LA): Can you present yourself and tell us about your background?
Hamza Anejjar (HA): I am 25 and I live in France. My parents taught me the importance of education from a young age. So it is no surprise, I graduated with a Master’s degree in Corporate Finance in 2020. During my last three years of Business School, I had the chance to work while studying in several companies as an Investment Analyst or as a Junior Financial Controller.
LA: Why did you choose Finnt?
HA: The first reason is because Finnt also chose me. To me, working in a company is like a love story: both parties have to be willing and happy to work together. The second reason is for the challenge that Finnt has to offer. As I have never worked in a startup before, I have a lot to discover and a ton of experience to acquire! Contrary to my previous jobs, I am not one among other employees: I have to be versatile. Finally, the project and the ambition behind it are incredibly motivating! It is a recurring feeling in the Finnt Team.
LA: What does your job at Finnt consists in?
HA: My job is mainly divided into two parts.
The first one is focused on customer success. I’m there to help our customers to better use our platform, orient them when they have a specific request and make sure they are fully satisfied.
The second one consists in analyzing risks and modelizing business opportunities. To do so, I’m looking at the costs, the earnings, and figure out what is profitable and what is not. I work closely with the CEO to provide recommendations on our economics and business model.
As you can expect from a startup environment, my job includes several other tasks such as researching on competition, regulation framework, analyzing vendors etc.
LA: How do you see Finnt evolve in the future?
HA: I believe Finnt has the potential to disrupt the banking industry and bring families the ability to build wealth over time. The journey is long but worthwhile.
LA: What interesting facts/events have you observed in your field these past months and how have they impacted your daily work?
HA: The most relevant fact I can observe is the impact the market has on smaller structures. I have previously worked for larger companies who are well-established and face little fluctuation. Launching a startup project is a whole different story! There is everything to build, tasks are very diverse and hierarchy is pretty flat which enables me to learn about different fields. I am especially happy about the proximity with founders. As I work closely with the CEO, I am learning a lot about the environment Finnt is evolving in.
LA: You are a future parent, will you be using the Finnt app for your child?
HA: As it is my first experience as a parent, I think my priorities will be more about changing diapers and waking up at night than opening a Finnt account! But after that, definitely!
LA: You come from TradFi, what are the main differences you have observed between this sector and your current one (FinTech)?
HA: The foundations. In TradFi, everything has been determined for centuries now and everything is super codified and in place. In the FinTech space, there is still much to build. The goal is to use our knowledge in TradFi, and try not to repeat the same mistakes.
LA: As a finance person, what are your views on DeFi and crypto?
HA: I believe DeFi and crypto will be adopted worldwide, but, in my opinion, it still needs some time. Firstly, because people are still trying to understand it. Secondly, because when something new is released, the ecosystem needs some spare time to disclose and suppress all the bad components it has (scam, shitcoin, volatility, etc.). Finally, for the system to be fully adopted, we’ll have to wait for private, national and international institutions to adopt it themselves. I’m not talking about regulations (which are inevitable), but rather about blockchain technology’s internal use among companies. For instance, luxury brands using NFTs to authenticate their products or Central Banks issuing their own cryptocurrencies.