Academic & Professional Qualifications

• Bachelor’s degree in finance, Economics, Banking, Business, Statistics or related field
  
• Master’s degree in MBA, Finance or Strategy is an added advantage
  
• Professional certifications such as CPA, CFA, ACCA, FRM, or equivalent are desirable
  
• Professional banking qualification (AKIB or equivalent) is an added advantage
  
• Certification in Product Management, Digital Banking or Credit Risk is desirable
  

Experience Requirements

• Minimum 7–10 years banking experience
  
• At least 4–5 years in lending product management, credit, or portfolio management
  
• Proven experience managing lending products or credit portfolios
  
• Experience in multi-segment banking (Retail, SME, Corporate) preferred
  
• Demonstrated experience launching or optimizing lending products
  
• Exposure to digital lending and automation initiatives is an added advantage
  

• Product Strategy & Portfolio Management Develop and execute asset product strategies aligned to the bank's growth and risk appetite, managing the full product lifecycle across target segments (Retail, SME, Corporate, Commercial). Identify market gaps, develop innovative lending solutions, and monitor portfolio quality. Develop relevant internal and external product campaigns.
  
• Commercial Performance & Profitability Own asset product P&L and portfolio performance. Design pricing, interest and fee strategies, and recommend adjustments to optimize profitability and competitiveness.
  
• Market Intelligence & Innovation Conduct competitor benchmarking and market analysis to identify new revenue streams. Lead development of differentiated propositions, including digital and automated lending products.
  
• Risk, Compliance & Governance Ensure product structures align with credit policy, risk appetite and regulatory/governance frameworks. Support business teams in structuring lending programs. Drive product knowledge campaigns and maintain relevant internal governance records and standards.
  
• Stakeholder Collaboration- Work closely with Credit, Risk, Legal, Operations, Finance and
  
• Technology teams. Support Sales teams with product training, tools and technical guidance. Partner with Marketing to support product campaigns and launches.
  
• Performance Analytics & Reporting- Develop product dashboards and portfolio performance reports.
  
• Monitor portfolio quality indicators and recommend interventions. Provide data insights to support decision making and strategy refinement.