ACADEMIC BACKGROUND

• University Degree in Bachelor of commerce (Finance or Accounting) or other relevant Business Degree
  
• Master’s degree will be an added advantage
  

WORK EXPERIENCE

• 2-3 years in product management, digital lending, or fintech operations.
  
• Experience in banking regional delivery, with extensive knowledge in digital Banking.
  

SKILLS & COMPETENCIES

• Strong understanding of digital lending products, customer segments, and partner ecosystems.
  
• Customer Centric with the ability to offer customers to a different channel based on their channel of choice.
  
• Excellent understanding of competitor market trends on Channel lending
  
• Solid knowledge of banking processes, credit workflows, and financial products.
  
• Analytical mindset with ability to interpret data and translate it into product decisions.
  
• Strong organizational and coordination skills with attention to detail.
  
• Excellent communication, interpersonal, and stakeholder management skills.
  
• Understanding of CBK guidelines, data protection, and compliance frameworks in digital lending.
  

Product Development

• Develop a compelling value propositions within the Digital Lending space by understanding the target customer’s needs, pains, and desired gains to guide product development.
  
• Document and Maintain product programs that include processes, procedures, customer journeys, customer experience standards, all geared towards driving a suite of scalable and profitable products.
  
• track product performance metrics and customer feedback to refine and improve product offerings.
  
• Oversee the entire product lifecycle, from concept through launch and beyond, ensuring continuous improvement and alignment with market needs.
  
• Conduct market trend analysis and competitive research to drive innovation in the digital lending space, enhancing customer experience on digital platforms.
  
• Asses the market dynamics and the competitive landscape to identify risks and opportunities for the digital lending portfolio.
  

Product Growth

• Create a comprehensive product marketing and Go-To-Market strategies for new launches and year-round campaigns to drive product adoption and growth.
  
• Execute marketing campaigns and promotional plans to drive product adoption and growth of digital lending products.
  
• Analyze and utilize targeted campaign data for various digital lending products, optimizing campaign effectiveness.
  
• Analyze market trends and competitor activities to inform product positioning and adjust growth strategies accordingly.
  
• Monitor key performance indicators (KPIs) related to product growth and campaign effectiveness, making data-driven decisions to drive continuous improvement.
  
• Identify and assess gaps in product knowledge, and provide targeted training and resources to bridge these gaps effectively
  
• Organize training sessions for new digital lending products and systems, ensuring effective knowledge transfer to bank staff to ensure product uptake.
  
• Collaborate with sales teams to develop cross-functional strategies that drive product adoption and increase revenue.
  

Risk Compliance and reporting

• Monitor and report on risks associated with digital lending products, ensuring compliance with regulatory requirements and industry standards.
  
• Maintain Product documents such as risk registers and business continuity plans, Procedure manuals updating them regularly and submitting reports as required.
  
• Prepare executive-level reports and presentations on digital lending performance, highlighting key metrics, trends, and strategic initiatives.
  
• Prepare ad hoc reports to assist the team and management in making informed business decisions, contributing to proactive and data-driven decision-making.
  
• Ensure products comply with relevant regulations and industry standards, addressing any compliance issues that arise.
  

System testing and Revenue Assurance

• System User Acceptance Testing of Digital Lending System products before going live.
  
• Regression testing of DLS system after deployments to identify bugs.
  
• Periodic System testing to ensure policy and system rules are working as expected.
  
• Perform periodic system sanity checks on loan transactions.
  
• Revenue assurance to validate that all products fees and commissions are collected as per approved terms.
  
• Implement key performance indicators (KPIs) to track revenue generation and monitor performance against targets.
  

Customer Experience

• Analyze customer feedback, complaint logs, and repayment trends to identify recurring issues affecting satisfaction or usability, and recommend product or process enhancements to address them.
  
• Collaborate with Technology, Operations, and Customer Service teams to implement UX improvements, streamline the loan application and repayment process, and reduce turnaround times.
  
• Leverage transaction and behavioral data to personalize loan offers, improve credit limit allocation, and ensure fair and transparent pricing aligned with customer behavior.
  
• Monitor customer journey metrics (e.g., drop-off points, approval delays, repayment friction) and drive initiatives that enhance accessibility, clarity, and user confidence.
  
• Collect and interpret customer feedback from surveys, support tickets, and contact center interactions, then translate insights into actionable recommendations for product refinement and service quality improvement.
  
• Track and measure the impact of implemented improvements using KPIs such as Net Promoter Score (NPS), customer retention, and repeat borrowing rate.
  

DECISION MAKING AUTHORITY

• Decide which market segments or customer groups to target based on their needs and the product’s strengths.
  
• Plan the product launch strategy, including timing, key messages, and initial marketing efforts to ensure a successful market introduction.
  
• Determine which promotional activities or events will best support product awareness and customer engagement.