Product Strategy & Discovery

• Lead market research and user discovery to identify product opportunities in mobile-led savings, TPS digital workflows, property marketplace commercialization, and CBS-platform integrations.
  
• Conduct feasibility assessments (technical, financial, regulatory, and commercial) to inform go/no-go decisions and product prioritization.
  
• Define and communicate product vision, strategy, and roadmaps aligned with organizational objectives and market needs.
  

Product Development & Delivery

• Partner with mobile operators (Safaricom, Airtel, Telkom) to co-create and launch digital savings products, ensuring seamless integration with HF Group's CBS and compliance with regulatory requirements.
  
• Drive the development and refinement of the Tenant Purchase Scheme (TPS) digital platform, including tenant onboarding, payment processing, document management, and end-to-end customer experience optimization.
  
• Lead the commercialization of HF Group's digital property marketplace, defining monetization models, vendor onboarding workflows, and user acquisition strategies.
  
• Manage integrations between the core banking system (CBS) and external platforms including Boma Yangu, eCitizen, CRM, and partner APIs — ensuring data integrity, system reliability, and scalability.
  
• Oversee the implementation of property management tools, rental collection automation, invoicing systems, office automation solutions, and knowledge management systems.
  

Product Growth & Optimization

• Monitor product performance through user adoption metrics, engagement analytics, transaction volumes, and revenue attribution — translating insights into product improvements and feature prioritization.
  
• Lead iterative product cycles informed by user feedback, A/B testing, and data analysis to continuously enhance user experience and commercial outcomes.
  
• Design and execute go-to-market strategies in collaboration with marketing, sales, and customer service teams to drive user acquisition, activation, and retention.
  

Stakeholder Management & Cross-Functional Collaboration

• Collaborate with internal teams (IT, Innovation, Marketing, Compliance, Finance, Customer Service, TPS Operations) and external partners (mobile operators, government entities, technology vendors) to ensure successful product delivery and adoption.
  
• Manage vendor and partner relationships, including contract negotiations, SLA management, and performance tracking to ensure quality service delivery.
  
• Serve as the primary product owner for digital initiatives, translating stakeholder requirements into clear product specifications and user stories for development teams.
  

Risk, Compliance & Security

• Ensure all digital products comply with regulatory requirements including CBK guidelines, data protection laws (Data Protection Act, 2019), and industry standards for financial services and housing finance.
  
• Proactively identify and mitigate product risks including security vulnerabilities, operational dependencies, and commercial viability concerns throughout the product lifecycle.
  
• Work closely with compliance, legal, and IT security teams to embed risk management and regulatory adherence into product design and delivery processes.