Head, Financial Product Design

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About Kifiya

Kifiya is an AI-powered financial and market infrastructure company advancing inclusive economic growth across Africa. We design and deploy risk decisioning systems, intelligent financial infrastructure, and market linkage platforms that unlock credit, insurance, payments, and capital access for MSMEs and smallholder farmers. We build the AI, data, and financial infrastructure that helps financial institutions serve hard-to-finance segments at scale.

Business Unit Description: The Financial Product Design function sits at the core of Kifiya’s Financial and Market Linkage Solutions (FMLS) unit. This function is responsible for designing and structuring partner-facing financial solutions that enable banks and value chain actors to deploy capital efficiently through Kifiya’s digital platforms.

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Position Summary

Department: Financial and Market Linkage Solutions

Reports To: Chief, Financial and Market Linkage Solutions

The Manager, Financial Product Design leads the design, structuring, and continuous evolution of innovative financial products. Operating at the intersection of banking, credit, and technology, the role translates financial sector opportunities into scalable digital solutions. The Manager ensures that products are commercially sustainable, regulatorily compliant, and seamlessly integrated with Kifiya’s digital platforms and partner bank systems.

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Key Responsibilities

Product Strategy and Structuring

• Lead end-to-end design of digital lending products, MSME finance, embedded finance, and AI-enabled credit offerings.
• Translate partner bank requirements into detailed design specifications, operational workflows, and digital platform integration requirements.
• Develop product pricing and financial models aligned with capital costs, risk frameworks, and return thresholds.
• Support the rollout of diverse products including invoice financing, asset financing (mobile, solar), Agri-finance, Sharia-compliant financing, and insurance-linked solutions.

Credit Process and Risk Integration

• Coordinate with partner banks to develop adaptable credit policies, underwriting frameworks, and scoring model integrations.
• Support banks in transitioning from traditional credit processes to digital, data-driven environments.
• Incorporate preventive NPL management logic and early risk detection mechanisms into product design.

Technology Enablement and Platform Integration

• Work with Technology teams to translate product requirements into technical specifications and API integrations with core banking systems.
• Participate in user acceptance testing (UAT), pilot deployments, and system validation.
• Ensure product scalability across multiple partner banks and ecosystems.

Stakeholder and Partner Management

• Facilitate product co-creation workshops and design sessions with partner banks.
• Prepare and present financial product proposals and solution frameworks to institutional partners.
• Support commercial negotiations regarding implementation structures and capital deployment models.

Monitoring and Continuous Improvement

• Define and track key performance indicators (KPIs) including disbursement velocity, portfolio quality, yield, and customer adoption.
• Develop performance dashboards and iterate product features based on analytics and partner feedback.
• Monitor market and regulatory developments to ensure ongoing compliance.

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About You

Education and Experience:

• Master’s degree in Finance, Economics, Business Administration, or a related field.
• Minimum 7 to 10 years of experience in banking, financial services, or fintech environments.
• Demonstrated experience in credit underwriting, loan portfolio management, or credit operations.
• Proven track record in designing and launching digital lending or MSME financial products.

Core Competencies:

• Financial product innovation and structuring.
• Technology fluency and digital workflow design.
• Strong knowledge of core banking systems and credit scoring infrastructure.
• Stakeholder and institutional relationship management.
• Analytical and data-driven decision-making within an agile development discipline.

Required Skills:

• Decision-making skills
• Communication
• Attention to detail
• Problem solving

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How to Apply

Interested and qualified candidates should apply through: hr@kifiya.com.

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