Julian Kyula is a founder of Mobile Decisioning Africa Limited,one of the largest Airtime Credit companies in the world, doing over 1.8billion transactions in 2017.He also served as its Group Chief Executive Officer and Director until 2018. Mr. Kyula is also a serial entrepreneur having founded Quest Holdings prior to founding MODE.

Mr. Kyula has experience in the Credit Sector having worked at the Credit Reference Bureau Africa (CRB)in Nairobi. His further international experience includes working with Alegis Group in Houston Texas with responsibility for scoring Citibank and Amexclients as well as an Operations Analyst and Collections Manager for Nationwide Credit Inc in Houston Texas.