(Re-advertising) Manager, Product Planning and Rollout, Device and Asset Financing

Job Description

Key Responsibilities

Product Strategy and Market Positioning

• Translate FMLS strategy into a scalable and differentiated device and asset financing business.
• Leads the strategy, operations, and growth of financing solutions for devices and productive assets, ensuring accessibility for individuals, MSMEs, and agribusinesses.
• Define target segments, priority use cases, value propositions, and pricing models.
• Ensures operational efficiency by streamlining loan origination, disbursement, and collection through digital platforms, while monitoring key financial and operational KPIs and reporting performance.
• Drive customer acquisition, adoption, and sustainable scaling of financing solutions to enhance financial inclusion and support business growth.
• Identify new revenue streams, product enhancements, and distribution innovations.
• Lead market research, customer insight analysis, and competitive benchmarking.
• Develop business cases and financial models to guide investment and scale decisions.
• Streamline loan origination, disbursement, and repayment through digital platforms.
• Ensure operational efficiency across processes and teams.

Capital Efficiency and Financial Stewardship

• Own the device and asset financing P&L, ensuring revenue growth and margin sustainability.
• Align portfolio growth with liquidity availability and capital deployment strategy.
• Manage budgeting, forecasting, and cost optimization in collaboration with Finance.
• Ensure capital-efficient scale and disciplined return on infrastructure investment.

Product Development and Rollout Governance

• Define product roadmaps and phased rollout strategies.
• Coordinate cross-functionally with Product, Risk, Technology, Operations, and Field teams to ensure timely execution.
• Establish rollout governance frameworks, SOPs, and service-level standards.
• Ensure seamless integration with Kifiya’s AI decisioning and credit scoring infrastructure.

Credit and Risk Oversight

• Design asset financing structures aligned with risk-tiered lending models.
• Monitor portfolio performance including PAR, NPL trends, repayment behavior, and churn.
• Oversee collections frameworks, fraud mitigation controls, and underwriting guidelines.
• Collaborate with Risk and Analytics teams to continuously refine credit models and predictive performance tools.

Customer Lifecycle and Experience Management

• Ensure seamless onboarding, device delivery, repayment tracking, support, and upgrade journeys.
• Design engagement models that improve repayment reliability and reduce churn.
• Integrate digital servicing channels with field escalation processes.
• Maintain strong service-level performance across the entire customer lifecycle.

Ecosystem and Distribution Expansion

• Develop and manage strategic relationships with device suppliers, distributors, financial institutions, and ecosystem partners.
• Design scalable distribution models leveraging partner banks, agent networks, and embedded finance channels.
• Support negotiations with suppliers and capital providers to strengthen ecosystem sustainability.
• Identify new partnership models to expand geographic and segment reach.

Operational and Portfolio Management

• Supervise operational execution including fulfillment, logistics coordination, and after-sales support where applicable.
• Implement standardized operational processes to ensure efficiency and consistency.
• Track and manage portfolio performance dashboards and reporting mechanisms.

Performance Monitoring and Continuous Improvement

• Track KPIs including revenue growth, portfolio-at-risk, churn, cost-to-acquire, and customer lifetime value.
• Use data insights to optimize pricing, risk segmentation, and channel effectiveness.
• Continuously identify operational inefficiencies and product optimization opportunities.
• Monitor market and technology trends to maintain product competitiveness and innovation leadership.