DFS Manager- Digital Loans and Savings

KCB Group•Washington, DC

About The Position

This role focuses on defining and executing the digital loans and savings strategy, managing the product roadmap, and driving innovation within the Bank's Digital Financial Services. The position involves end-to-end product lifecycle management, from ideation to retirement, with a strong emphasis on customer experience, partnerships, and project delivery.

Requirements

Bachelor’s degree from a recognized university
8 years of total minimum cumulative experience

Nice To Haves

Product Management Professional Qualification
Project Management Professional Qualification
AGILE Practices Professional Qualification
Master’s degree in a Business-related field

Responsibilities

Define and execute the digital loans and savings strategy aligned with the Bank’s Digital Financial Services.
Develop and maintain a product roadmap for digital lending, digital savings, micro-savings, micro-lending, goal-based savings, fixed savings, and embedded financial services solutions.
Identify market opportunities and customers’ needs to drive innovation and portfolio expansion.
Manage the overall profitability, growth, and performance of the digital loans and savings portfolio.
Drive continuous product enhancement to ensure competitiveness and market relevance.
Lead ideation, conceptualization, and development of innovative digital lending and savings solutions.
Design customer-centric products that address the needs of retail, SME, youth, women, and underbanked segments.
Explore emerging technologies, alternative data sources, artificial intelligence, and digital credit assessment models to support product innovation.
Promote financial inclusion through accessible and affordable digital financial products.
Manage the end-to-end product lifecycle, including concept development, business case preparation, requirements gathering, product development, testing, rollout, optimization, and retirement.
Oversee product performance throughout the customer lifecycle and implement enhancements to improve adoption and profitability.
Develop product pricing, customer value propositions, and go-to-market strategies.
Monitor product utilization and customer engagement to identify growth opportunities.
Lead the development and optimization of digital loan products, including salary advances, mobile loans, nano-loans, SME digital credit, and ecosystem financing solutions.
Drive portfolio growth while maintaining appropriate risk-return balance.
Collaborate with Risk, Credit, and Analytics teams to develop credit decisioning and scoring models.
Monitor disbursement volumes, portfolio quality, customer repayment behavior, and product profitability.
Develop responsible lending practices that support sustainable portfolio growth.
Develop and manage digital savings products that encourage customer engagement and deposit mobilization.
Drive customer adoption and growth of digital savings accounts and investment-linked solutions.
Implement initiatives that promote long-term savings behavior and financial wellness.
Monitor deposit growth, accountancy, customer retention, and product profitability.
Enhance customer experience through customer journey mapping, UX/UI optimization, and digital engagement strategies.
Identify customer pain points and implement improvements to simplify product access and usability.
Utilize customer insights and analytics to improve product performance and customer satisfaction.
Ensure seamless onboarding and servicing experiences across all digital platforms.
Establish and manage strategic partnerships with fintechs, MNOs, credit bureaus, technology providers, aggregators, and ecosystem players.
Explore embedded finance and ecosystem lending opportunities to expand customer reach.
Drive innovations through collaboration with internal and external stakeholders.
Manage partner relationships, commercial arrangements, and service-level agreements.
Ensure successful execution of product initiatives through effective project management practices.
Oversee quality assurance processes, UAT, pilot testing, and product release governance.