Location:
\nHead Office
\nDepartment:
\nFinancial and Market Linkage Solution
\nReports To:
\nDirector, Growth and Partnerships
\nAbout Kifiya:<\/p>\n
Kifiya is an AI-powered ecosystem technology company specializing in intelligent data-driven decisioning, financial services, digital agriculture, and smart mobility infrastructure solutions. For over a decade, we have built robust technological infrastructures and implemented transformative initiatives that address market failures.<\/p>\n
We empower MSMEs, smallholder farmers, and low- to middle-income consumers by providing access to financial services and markets. Kifiya is scaling its technology infrastructure to create a more inclusive and sustainable future in Africa.
\nBusiness Unit Description<\/p>\n
The Financial and Market Linkage Solutions unit is Kifiya\u2019s commercial engine, responsible for translating its AI-enabled financial infrastructure into deployed capital and sustainable revenue. It drives partner bank growth, optimizes liquidity utilization, and scales MSME lending, embedded finance, invoice finance, asset finance, and agri-finance solutions. Operating across institutional, regional, and field execution layers, FMLS ensures risk-aligned expansion while converting platform capabilities into measurable financial impact at scale.<\/p>\n
Position Summary<\/p>\n
The Manager, Product Planning and Rollout MSME Financing leads the end-to-end design, commercialization, and performance management of Kifiya\u2019s MSME financing vertical.<\/p>\n
<\/p>\n
The role owns the full BPaaS solution for MSMEs and the overall product lifecycle from segment strategy and credit structuring to rollout governance, portfolio monitoring, and optimization. It ensures MSME lending solutions are capital-efficient, AI-enabled, risk-aligned, and scalable across multiple partner banks and distribution channels.<\/p>\n
<\/p>\n
This role converts Kifiya\u2019s data-driven credit decisioning capabilities into high-performing MSME lending portfolios that drive capital velocity, financial inclusion, and sustainable returns. The role leads growth across Kifiya\u2019s financial solutions portfolio for MSMEs, including bank-powered digital credit, embedded finance (BNPL and inventory credit), and invoice finance. It holds responsibility for product direction, customer journeys, and commercialization of customer-facing solutions, while ensuring strong portfolio quality and long-term partner value.<\/p>\n
<\/p>\n
Working at the intersection of product, risk, technology, and operations, the role builds and scales strategic partnerships with banks and ecosystem players, leads growth and partnership teams, and delivers sustainable, risk-managed revenue growth across MSME, Invoice, and Embeded-financing markets.<\/p>\n
The role is responsible for driving portfolio expansion, forging strategic alliances, and delivering sustainable revenue growth. It leads market expansion initiatives, builds and manages partnerships with banks and ecosystem players, and identifies new customer acquisition channels to scale loan origination. The role oversees growth strategy execution, ensures strong product\u2013market alignment, and drives performance optimization while fostering close collaboration across risk, operations, and technology teams. Additionally, it monitors portfolio quality, revenue performance, and partner productivity to ensure scalable, profitable, and risk-aligned growth.<\/p>\n
Key Responsibilities<\/p>\n
MSME Product Strategy and Segment Design<\/p>\n
Define target MSME segments, use cases, and lending propositions.
\nStructure working capital, inventory credit, embedded finance, and digital loan offerings.
\nIdentify underserved MSME segments and ecosystem-led opportunities.
\nDevelop business cases and financial models for product investments and scale decisions.
\nLeads growth across Kifiya\u2019s financial solutions portfolio for MSMEs, including bank-powered digital credit, embedded finance (BNPL and inventory credit), and invoice finance.
\nResponsible for product direction, customer journeys, and commercialization of customer-facing solutions, while ensuring strong portfolio quality and long-term partner value.
\nDrive the strategy, execution, and performance of lending and financial services targeted at MSMEs.
\nDesign and implement MSME credit products, ensuring alignment with market needs, risk appetite, and regulatory requirements.
\nTracks performance metrics, analyzes portfolio trends, and implements initiatives to drive sustainable growth, financial inclusion, and profitability within the MSME segment.
\nCapital Deployment and P&L Management<\/p>\n
Own MSME financing vertical P&L performance.
\nAlign portfolio growth with liquidity availability and capital allocation strategy.
\nDrive capital efficiency, margin optimization, and sustainable yield performance.
\nSupport revenue forecasting and budget management.
\nCredit Architecture and Risk Governance<\/p>\n
Translate AI credit scoring into segment-specific underwriting structures.
\nDefine risk-tiered pricing and portfolio segmentation frameworks.
\nMonitor portfolio performance including PAR, NPL, disbursement growth, and repayment trends.
\nCollaborate with Risk and Analytics teams to continuously refine credit models.
\nRollout and Cross-Functional Coordination<\/p>\n
Lead phased rollout strategies across partner banks and distribution channels.
\nAlign with Growth & Partnerships teams for institutional activation.
\nCoordinate with field channel leadership to ensure origination discipline.
\nEstablish SOPs and operational governance frameworks for MSME loan execution.
\nPortfolio Performance and Optimization<\/p>\n
Track portfolio KPIs including capital utilization, repayment reliability, and customer lifetime value.
\nIdentify operational bottlenecks and implement corrective measures.
\nContinuously refine pricing, risk segmentation, and channel performance.
\nEcosystem Integration and Embedded Finance<\/p>\n
Support integration of MSME financing into e-commerce, merchant networks, and embedded finance ecosystems.
\nDesign scalable distribution models leveraging partner institutions and digital platforms.
\nIdentify partnership opportunities to enhance origination efficiency and repayment reliability.
\nContinuous Improvement and Innovation<\/p>\n
Monitor market and regulatory trends affecting MSME finance.
\nInnovate new product variations aligned to market gaps.
\nEnsure MSME financing remains competitive, compliant, and technologically advanced.<\/p>\n
Key Outputs<\/p>\n
MSME portfolio growth and revenue performance
\nPortfolio-at-risk and NPL ratios
\nCapital utilization and yield performance
\nLoan disbursement velocity
\nProduct adoption rates
\nCustomer retention and repayment reliability<\/p>\n
About You
\nQualifications and Experience<\/p>\n
Education<\/p>\n
Bachelor\u2019s degree in Business, Finance, Economics, or related field.
\nMBA or relevant master\u2019s degree preferred.
\nExperience<\/p>\n
Minimum 8 years of experience in MSME finance, digital lending, banking transformation, or fintech.
\nDemonstrated P&L management experience.
\nStrong exposure to credit risk modeling and portfolio management.
\nExperience working within multi-bank or ecosystem-driven lending models preferred.
\nCore Competencies<\/p>\n
MSME Lending Expertise
\nCredit and Risk Fluency
\nCapital and Portfolio Management
\nProduct Commercialization Capability
\nData-Driven Decision Making
\nCross-Functional Execution Discipline
\nStrategic Ecosystem Thinking<\/p>\n","protected":false},"author":207,"featured_media":0,"comment_status":"open","ping_status":"closed","template":"","job_listing_type":[17],"job_listing_category":[188],"job_listing_location":[4],"job_listing_tag":[],"class_list":["post-31221","job_listing","type-job_listing","status-publish","hentry","job_listing_type-full-time","job_listing_category-accounting-and-finance","job_listing_location-addis-ababa"],"metas":{"_job_logo":"https:\/\/beleqet.com\/vacancy\/wp-content\/uploads\/wp-job-board-pro-uploads\/_job_logo\/2026\/04\/Kifiya-Financial-Technologies.webp","custom-text-26140818":"Kifiya Financial Technologies","_job_featured":"","_job_tag":[],"_job_filled":"","_job_urgent":"","_job_type":{"17":"Full Time"},"custom-select-24762152":"Onsite","_job_category":{"188":"Accounting And Finance"},"_job_expiry_date":"","_job_gender":"Both","_job_salary_type":"monthly","custom-number-21785310":"1","_job_experience":"Senior","custom-select-25910079":"5 \u2013 10 Years","_job_qualification":"Bachelor Degree","_job_application_deadline_date":"2026-04-30","_job_location":{"4":"Addis Ababa"},"_job_apply_type":"external","_job_apply_url":"hr@kifiya.com","_job_apply_email":"","_job_phone":"","_job_employer_name":"Beleqet Jobs","_job_employer_url":"https:\/\/beleqet.com\/vacancy\/employer\/meseret\/"},"beleqet_data":{"_job_employer_posted_by":"9629","_job_logo_img":"https:\/\/beleqet.com\/vacancy\/wp-content\/uploads\/wp-job-board-pro-uploads\/_job_logo\/2026\/04\/Kifiya-Financial-Technologies.webp","_job_logo":"https:\/\/beleqet.com\/vacancy\/wp-content\/uploads\/wp-job-board-pro-uploads\/_job_logo\/2026\/04\/Kifiya-Financial-Technologies.webp","custom-text-26140818":"Kifiya Financial Technologies","_job_title":"Manager, Product Planning and Rollout Embedded Finance","_job_type":"17","custom-select-24762152":"Onsite","_job_category":"188","_job_gender":"Both","_job_salary_type":"monthly","custom-number-21785310":"1","_job_experience":"Senior","custom-select-25910079":"5 \u2013 10 Years","_job_qualification":"Bachelor Degree","_job_application_deadline_date":"2026-04-30","_job_location":"4","_job_description":"Location:\r\nHead Office\r\nDepartment:\r\nFinancial and Market Linkage Solution\r\nReports To:\r\nDirector, Growth and Partnerships\r\nAbout Kifiya:\r\n\r\nKifiya is an AI-powered ecosystem technology company specializing in intelligent data-driven decisioning, financial services, digital agriculture, and smart mobility infrastructure solutions. For over a decade, we have built robust technological infrastructures and implemented transformative initiatives that address market failures.\r\n\r\nWe empower MSMEs, smallholder farmers, and low- to middle-income consumers by providing access to financial services and markets. Kifiya is scaling its technology infrastructure to create a more inclusive and sustainable future in Africa.\r\nBusiness Unit Description\r\n\r\nThe Financial and Market Linkage Solutions unit is Kifiya\u2019s commercial engine, responsible for translating its AI-enabled financial infrastructure into deployed capital and sustainable revenue. It drives partner bank growth, optimizes liquidity utilization, and scales MSME lending, embedded finance, invoice finance, asset finance, and agri-finance solutions. Operating across institutional, regional, and field execution layers, FMLS ensures risk-aligned expansion while converting platform capabilities into measurable financial impact at scale.\r\n\r\nPosition Summary\r\n\r\nThe Manager, Product Planning and Rollout MSME Financing leads the end-to-end design, commercialization, and performance management of Kifiya\u2019s MSME financing vertical.\r\n\r\n \r\n\r\nThe role owns the full BPaaS solution for MSMEs and the overall product lifecycle from segment strategy and credit structuring to rollout governance, portfolio monitoring, and optimization. It ensures MSME lending solutions are capital-efficient, AI-enabled, risk-aligned, and scalable across multiple partner banks and distribution channels.\r\n\r\n \r\n\r\nThis role converts Kifiya\u2019s data-driven credit decisioning capabilities into high-performing MSME lending portfolios that drive capital velocity, financial inclusion, and sustainable returns. The role leads growth across Kifiya\u2019s financial solutions portfolio for MSMEs, including bank-powered digital credit, embedded finance (BNPL and inventory credit), and invoice finance. It holds responsibility for product direction, customer journeys, and commercialization of customer-facing solutions, while ensuring strong portfolio quality and long-term partner value.\r\n\r\n \r\n\r\nWorking at the intersection of product, risk, technology, and operations, the role builds and scales strategic partnerships with banks and ecosystem players, leads growth and partnership teams, and delivers sustainable, risk-managed revenue growth across MSME, Invoice, and Embeded-financing markets.\r\n\r\nThe role is responsible for driving portfolio expansion, forging strategic alliances, and delivering sustainable revenue growth. It leads market expansion initiatives, builds and manages partnerships with banks and ecosystem players, and identifies new customer acquisition channels to scale loan origination. The role oversees growth strategy execution, ensures strong product\u2013market alignment, and drives performance optimization while fostering close collaboration across risk, operations, and technology teams. Additionally, it monitors portfolio quality, revenue performance, and partner productivity to ensure scalable, profitable, and risk-aligned growth.\r\n\r\nKey Responsibilities\r\n\r\nMSME Product Strategy and Segment Design\r\n\r\nDefine target MSME segments, use cases, and lending propositions.\r\nStructure working capital, inventory credit, embedded finance, and digital loan offerings.\r\nIdentify underserved MSME segments and ecosystem-led opportunities.\r\nDevelop business cases and financial models for product investments and scale decisions.\r\nLeads growth across Kifiya\u2019s financial solutions portfolio for MSMEs, including bank-powered digital credit, embedded finance (BNPL and inventory credit), and invoice finance.\r\nResponsible for product direction, customer journeys, and commercialization of customer-facing solutions, while ensuring strong portfolio quality and long-term partner value.\r\nDrive the strategy, execution, and performance of lending and financial services targeted at MSMEs.\r\nDesign and implement MSME credit products, ensuring alignment with market needs, risk appetite, and regulatory requirements.\r\nTracks performance metrics, analyzes portfolio trends, and implements initiatives to drive sustainable growth, financial inclusion, and profitability within the MSME segment.\r\nCapital Deployment and P&L Management\r\n\r\nOwn MSME financing vertical P&L performance.\r\nAlign portfolio growth with liquidity availability and capital allocation strategy.\r\nDrive capital efficiency, margin optimization, and sustainable yield performance.\r\nSupport revenue forecasting and budget management.\r\nCredit Architecture and Risk Governance\r\n\r\nTranslate AI credit scoring into segment-specific underwriting structures.\r\nDefine risk-tiered pricing and portfolio segmentation frameworks.\r\nMonitor portfolio performance including PAR, NPL, disbursement growth, and repayment trends.\r\nCollaborate with Risk and Analytics teams to continuously refine credit models.\r\nRollout and Cross-Functional Coordination\r\n\r\nLead phased rollout strategies across partner banks and distribution channels.\r\nAlign with Growth & Partnerships teams for institutional activation.\r\nCoordinate with field channel leadership to ensure origination discipline.\r\nEstablish SOPs and operational governance frameworks for MSME loan execution.\r\nPortfolio Performance and Optimization\r\n\r\nTrack portfolio KPIs including capital utilization, repayment reliability, and customer lifetime value.\r\nIdentify operational bottlenecks and implement corrective measures.\r\nContinuously refine pricing, risk segmentation, and channel performance.\r\nEcosystem Integration and Embedded Finance\r\n\r\nSupport integration of MSME financing into e-commerce, merchant networks, and embedded finance ecosystems.\r\nDesign scalable distribution models leveraging partner institutions and digital platforms.\r\nIdentify partnership opportunities to enhance origination efficiency and repayment reliability.\r\nContinuous Improvement and Innovation\r\n\r\nMonitor market and regulatory trends affecting MSME finance.\r\nInnovate new product variations aligned to market gaps.\r\nEnsure MSME financing remains competitive, compliant, and technologically advanced.\r\n\r\nKey Outputs\r\n\r\nMSME portfolio growth and revenue performance\r\nPortfolio-at-risk and NPL ratios\r\nCapital utilization and yield performance\r\nLoan disbursement velocity\r\nProduct adoption rates\r\nCustomer retention and repayment reliability\r\n\r\nAbout You\r\nQualifications and Experience\r\n\r\nEducation\r\n\r\nBachelor\u2019s degree in Business, Finance, Economics, or related field.\r\nMBA or relevant master\u2019s degree preferred.\r\nExperience\r\n\r\nMinimum 8 years of experience in MSME finance, digital lending, banking transformation, or fintech.\r\nDemonstrated P&L management experience.\r\nStrong exposure to credit risk modeling and portfolio management.\r\nExperience working within multi-bank or ecosystem-driven lending models preferred.\r\nCore Competencies\r\n\r\nMSME Lending Expertise\r\nCredit and Risk Fluency\r\nCapital and Portfolio Management\r\nProduct Commercialization Capability\r\nData-Driven Decision Making\r\nCross-Functional Execution Discipline\r\nStrategic Ecosystem 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