Digital Products Lead

Key Responsibilities

• Drive the growth and performance of digital lending products, ensuring achievement of disbursement targets and increased customer adoption.
• Monitor and analyse digital lending performance, including loan disbursements, active borrowers, Portfolio at Risk (PAR30) and collection rates.
• Develop and implement customer activation campaigns through SMS, call centres, branch networks and other digital channels.
• Oversee and optimise USSD and mobile app lending channels, identifying customer journey challenges and coordinating with IT to resolve technical issues.
• Collaborate with Credit, IT, Sales and Operations teams to improve product eligibility criteria, loan configurations, customer limits and digital lending processes.
• Monitor portfolio quality, support automated collections processes and recommend corrective measures to minimise credit risk and improve repayment performance.
• Prepare weekly and monthly performance reports for senior management while ensuring compliance with CBK digital lending regulations and Kenya’s Data Protection Act.

Key Qualifications

• Bachelor’s degree in Business, Finance, Economics, Information Technology or a related field.
• Minimum of 3 years’ experience in digital lending, mobile financial services, financial technology or financial product management.
• Proven experience monitoring digital loan portfolios, including disbursements, PAR30, collection rates and customer activity.
• Strong understanding of USSD platforms, mobile lending applications and digital customer journeys within the Kenyan financial services market.
• Demonstrated ability to work with cross-functional teams and drive digital product growth and commercial performance.
• Strong analytical, reporting, problem-solving and communication skills. Experience using Mambu or a similar loan management system is an added advantage.