Bloom Impact is a digital service empowering businesses to learn about and access credit and savings products through their mobile phone. Through our data driven matching and scoring mechanism, Bloom Impact provides financial service providers with new, qualified customers, significantly reducing their customer acquisition costs. We aim to democratize how unbanked and underserved micro and small businesses get financial services that best meet their needs.
Carol Caruso CEO, Co-Founder
As CEO, Carol is focused on continually identifying customer needs and ensuring our product is designed to meet those needs, building a great team and developing key partnerships and funding opportunities. She has two decades of global business development, innovation and digital technology implementation experience.
Carol has held prior positions as SVP Digital Channels at Accion International, MD Triple Jump Advisory Services, Financial Inclusion Expert at Kiva and EMEA Director at Broadvision. She has extensive experience and passion in driving impact and inclusion through the use of innovative technology such as mobile apps, online platforms, mobile payments and agent networks. Carol has worked with dozens of banks, MFIs and Fintech companies, helping advance their digital capacity and implement innovative mobile and online products and digital distribution channels.
After 15 years living in Paris, Carol and her family are now happily enjoying life in New England – where she sneaks in time to continue her passion for photography..
David Hutchful CTO, Co-Founder
David leads all aspects of technology development for Bloom Impact. With extensive experience leading and mentoring technology teams, David has expertise in Software Development and Human-Centered Design and has worked on 3 continents, including emerging markets, designing and building award winning technology solutions that are informed by a nuanced understanding of the socio-economic/cultural contexts of the problems.
Before Bloom Impact, David was the founding CTO of engageSpark, where he continues to serve as an advisor; the Director of Technology Innovation at Grameen Foundation; the founder and CEO of Hutchlabs, a design innovation consultancy; and he was a member of Microsoft Research’s Technology for Emerging Markets Team, where he conducted research, published and consulted on the design and use of technology in the areas of education and financial services.
When he is not hacking ideas or technology, David loves to travel, experience different cultures & food, and read. He is also always available to play or watch football/soccer."
George Acheampong Operations Associate
George is an Operations Associate monitoring and supporting our relationships with Financial Service Providers in areas such as product management, marketplace usage, lead management, customer satisfaction and customer support.
George is a passionate, self-driven, committed Financial Analyst and Business Growth strategist with rich experience in financial services operations and keen interest to support Micro, Small and Medium enterprises. He is a licensed investment advisor and holds a Bachelor of Science degree in Actuarial Science with Insurance.
Prior to joining Bloom Impact, George worked as an Investment Analyst with SGL Royal Kapita Ltd, a fund management and investment advisory firm, where he managed investment funds and provided advisory services. He has business management skills and experience working with SME business operations. In his free time, you’ll find George swimming, singing with his church choir or taking a road trip anywhere.
Edward Pie Mobile App Developer
Edward is a mobile developer helping craft our Android App. As an experienced Software Engineer for both Android and iOS development, he is able to solve complex problems, develop high-performance applications, and leverage the latest programming languages to meet challenging business requirements. He has keen interest in Machine Learning and its application to Financial Services, Agriculture, and Health.
Prior to Bloom Impact, Edward has worked as a mobile App developer at Saya Inc. and Rancard Solutions Ltd, as a backend developer at IC Securities Ltd, and as a Software Engineer (backend + mobile App Dev) at SMSGH Ltd. Edward is an avid reader and always ready to play football or swim at the beach anytime of the day..
Andrew Fixler Andrew Fixler
Andrew is an Operations Intern passionately driving adoption of our service on the ground in Ghana through various partnerships and events as well as supporting the development of our marketplace with critical product and regulation research.
He is currently a Masters of Public Administration candidate at Columbia University’s School of International and Public Affairs, where he focuses on economic policy and financial inclusion. Prior to interning with Bloom Impact, he worked with Accion International’s Center for Financial Inclusion, Boston Strategies International, and did fundraising work for non-profits in Boston. Andrew graduated with a degree in Economics and International Affairs from Lafayette College in Pennsylvania and loves running, music, hiking around Ghana and ultimate frisbee.
Daniel Park Strategy Intern
Daniel is a Strategy Intern managing a variety of things including our Competitor Matrix, creating our KPI reporting, developing our PR and Press strategy and driving our social media activities. He’s also fantastic at jumping in to help with any operational challenges we encounter.
Daniel is passionate about the potential for market solutions to drive social innovation, and is currently pursuing a double degree from HEC Paris and the Norwegian School of Economics (NHH), where he will earn an MSc in Sustainability and Social Innovation and an MSc in Economics and Business Administration. He also holds a BA in International Studies from Boston College.
Prior to Bloom Impact, Daniel worked with 1001Pact, a French equity crowd funding startup servicing social enterprises, where he helped inform the expansion of the firm into a new market. He also has previous professional experience working in corporate finance, internal consulting, and non-profit development. Outside of pursuing his commitment to social impact, Daniel enjoys eating his mom’s home cooked food, getting involved at church, traveling, and playing lacrosse.
Benedict Asamoah Full Stack Developer
As a Full Stack developer, Benedict works on a variety of things including interaction design & front-end development. Benedict loves to solve problems and create a delightful user experience.
He is an AI enthusiast and cognitive developer and has evolved from tackling one challenge after another. Benedict has over five years professional experience in web technologies and loves working in both Agile and Waterfall settings. His experience includes building a " Q & A" platform at the age of 16, joining a lean team to build a payment gateway, working on product development at Snoocode, a geomapping solution in Ghana and creating a digital platform called Ventsell, a ticket aggregating service in Africa.
Benedict enjoys EDM (Electronic Dance Music) - keeping the team updated on the latest - and playing video games during his free time.
Emmanuel Baah Operations
Emmanuel is an Operations Associate for Bloom Impact working part-time to drive MSME adoption of our service in the field and through various partnerships and events. He also provides customer support and shares insights for our product development since he knows first hand how business owners use our App and what they need.
Emmanuel's background is in Inclusive Finance with experience in research, data analysis and consulting. His experience includes working on projects such as, Challenges of Women in Small Scale Enterprises In Ghana, Digitally Empowering Underserved MSMEs, Ghana Banking Awards (Customer Care/Advisory Service Survey), Socio-Economic Household Survey, Microfinance Institutional Mapping under RAFiP, Ghana Forest Investment Program, Evaluation Survey on Housing Microfinance Product Prototype; WASH Baseline Survey, Institutional and Impact Assessment Studies among others.
Emmanuel holds a Bachelor of Arts Degree in Economics and Statistics from the University of Ghana, Legon. He has other certificates in product development, customer service, entrepreneurship development and effective team management skills. In his free time, he loves to spend time with his family, watch football, get involved at church activities or listen to music.