Finance
Quantitative finance, credit risk, and capital markets, from alternative-data scoring to fixed-income market structure.
About
About Charles.
Cameroon · United Kingdom
- English · Native
- French · Native
Charles Mfouapon is an award-winning financial systems engineer, founder, and researcher working at the intersection of quantitative finance, technology, law, and institutional development.
His work is concerned with a broader question: how can the systems through which capital, knowledge, and opportunity move be made more effective, particularly in markets where institutional friction remains high and reliable data is scarce?
He is the Founder & CEO of AfriScore, which uses alternative data and quantitative risk models to help financial institutions make more informed, explainable, and responsible lending decisions for people and businesses outside conventional credit systems. He is also the Founder & Executive Director of Linktion Futures, a youth development initiative in Cameroon building a pipeline from foundational literacy and digital skills to elite academic preparation and early-stage venture creation.
Building systems that outlast the individuals who create them: institutions, infrastructure, and ideas that compound over time.
His research, shared as preprints and policy briefs, examines financial infrastructure, alternative data, credit risk, regulation, and capital allocation in emerging markets. He is the author of The Architecture of African Financial Infrastructure.
He also builds software for institutions. GEDA, a document management system he designed and delivered, now serves the CEMAC Representations in Cameroon and Gabon. Read the case.
His background combines quantitative finance, financial regulation, software engineering, economic policy, legal systems, and institutional design, with experience at the Mastercard Foundation, the Oxford Seed Fund, the CEMAC Commission, and the Nkafu Policy Institute.
01Disciplines
Four fields, applied together.
The problems I work on sit between them.
Technology
Financial infrastructure built in Rust, Go, Java, C++, and Python, from risk engines to cryptographic ledgers.
Law
Financial regulation and commercial law across OHADA and CEMAC, from credit-reporting rules to securities frameworks.
Institutions
Institutional design and policy: how markets, regulators, and organisations are built to last.
- Credit risk
- Alternative data
- Quantitative finance
- Capital markets
- Financial regulation
- OHADA and CEMAC law
- Software engineering
- Economic policy
- Institutional design
02Experience
Where I've worked.
Jan 2024 –Present
Founder & CEO
Credit intelligence infrastructure for lenders in emerging markets, turning mobile money, airtime, and utility data into explainable credit scores.
Aug 2026 –Present
Founder & Executive Director
Linktion Futures
A multi-tiered youth development ecosystem spanning foundational literacy, elite academic pathways, and early-stage venture execution.
Aug 2026 –PresentContract
Project Consultant, Digital Financial Inclusion & Alternative Credit
Mastercard Foundation
Advising on alternative-data approaches to expanding responsible access to credit in African markets.
2026
Mentor & Alumni Advisor
Oxford University Africa Society
Advising postgraduate scholars on academic strategy, career positioning in finance and policy, and post-Oxford impact frameworks.
Nov 2025 – Jul 2026Part-time
Deputy Director, Portfolio & Operations
Oxford Seed Fund
Managed post-investment relations, KPI tracking, and strategic support for 12 active early-stage portfolio companies across deep tech, fintech, and life sciences.
May – Aug 2025Internship
Regulatory Affairs Assistant
Representation of CEMAC in Cameroon
Led work on the revision of the decade-old institutional agreement between OHADA and the CEMAC Commission.
Also designed, built and delivered GEDA, a document management system now used by the CEMAC Representations in Cameroon and Gabon. Read the case
Jan 2023 – Mar 2025Part-time
Economic Policy Analyst
Nkafu Policy Institute
Researched and analyzed economic and monetary policies across the OHADA and CEMAC sub-regions.
03Education
Two lines, one thesis.
Law and quantitative finance began together in 2022, ran in parallel, and met at Oxford. Three degrees completed, one in progress.
LawQuantitative
2022 – 2025
LLB
Bachelor of Laws
Catholic University of Central Africa
Yaoundé, Cameroon · First Class
2022 – 2025
BSc
Mathematics and Economics
University of London
Distance learning · First Class Honours
2025 – 2026
MSc
Law and Finance
University of Oxford · Keble College
Oxford, United Kingdom · Distinction
AfOx Scholar · Mastercard Foundation · 2025
2026 –
MSc
Financial Engineering
WorldQuant University
Distance learning · In progress
Balance law × finance
Full CV on LinkedIn04Qualifications
Professional credentials.
CFA Program: Level III passed
CFA Institute · 2026
Financial Modeling & Valuation Analyst
Corporate Finance Institute · 2026
05Honours
Awards & honours.
- 2026
The Future Awards Africa Nominee, Technology & Innovation
The Future Project · 20th Edition
- 2026
Top100 Africa Future Leader
Top100 Africa Future Leaders
- 2026
35 Under 35, Technology & Innovation
Cameroon Youth Awards · U.S. Embassy Yaoundé
- 2026
Academic Prize in Law & Economics of Corporate Transactions
University of Oxford
- 2025
Mastercard Foundation AfOx Scholar
Mastercard Foundation & Africa Oxford Initiative
- 2025
Creating Better Futures Scholar
Loughborough University
- 2023
L1 Valedictorian
Faculty of Law & Political Science · Catholic University of Central Africa
- 2022
Honor Roll
Cameroon GCE Board
- 2022
Valedictorian
English High School Yaoundé
06Correspondence
Let's talk.
Research, partnerships, press, or speaking invitations. I usually reply within 48 hours.
contact@charlesmfouapon.com