Digital Lending Specialist

Role purpose: 

• Execute the Lending product portfolio as per the strategy aligned.
• Execute and manage Lending products roadmap.
• Stakeholder engagements
• Business intelligence & 
• Product Compliance
• Develop and execute a nursery plan to maintaining a healthy subscriber base in line with the company roadmap

Key accountabilities and decision ownership  

• Develop, execute and manage the implementation of lending products adoption strategy. This includes the creation of tentative business case and ensuring objectives are meet.
• Drive day to day products initiatives as per the aligned strategy. This means to ensure customers are well engaged through BTL, ATL and Digital campaigns with regards to lending products.
• Bring about innovation of new Lending product to fit the market need and drive M-Pesa ambitions on digital lending space.
• Develop strong customer relationship strategy this includes design and deploy different initiatives to deliver customer growth and products revenue line growth. 
• Develop, engage and execute new strategic partnership with financial institutions and other stakeholders with regards to lending products and services. 

Key performance indicators:

• Growth of services/product uptake by agreed percent.
• Accurate and timely delivery & execution of action plans, initiatives and new products.
• Growth of Lending portfolio as per aligned KIP’s this include both Disbursements and revenue. 

Core competencies, knowledge and experience 

• Solid influencing and negotiation skills.
• Strong understanding of all aspects of local markets and needs of customer.
• Excellent analytical and logical reasoning skills translated from consumer insights
• Excellent communication skills
• Strong stakeholder management skills
• Ability to anticipate customer, competitor and market dynamics 
• Able to challenge the status quo

Must have technical/professional qualifications: 

• 2 Years or more experience working in Digital Lending or Mobile Money or Banking/Financial Services preferably with experience of digital financial products
• Bachelor Degree in Commerce, Economics, Financial technology or related fields. Master’s Degree will be adding advantage.
nafasi za kazi
• Strong analytical skills, conceptual thinking, problem-solving ability and strong business acumen.
• Build and maintain relationships with key stakeholders in the value chain.
• Strong knowledge of mobile money, Fintech and financial services most preferably Digital Lending.
• Project management knowledge and experience would be advantageous.
• Advanced Microsoft Excel and PowerPoint. Knowledgeable with MsQL and Database is a key adding advantage.

Job Responsibility

• Assists, advises, and executes processes and activities for delivery of propositions relating to key business priorities;
• Drives the delivery of pricing and promotions to overview across all channels (digital, shops, etc.) and across competitors, using a full range of data sources, such as Social Listening for maximizing insights;
• Helps to define a core set of data sources to inform proposition design and construction so as to best match underlying sub-segment needs and focuses on a simple customer experience;
• Supports defining the customer insights, target audience, market opportunities, proposition initiatives and customer experience which will differentiate Vodafone from the competition and grow NPS, revenue, Brand consideration and market share;
• Maintains strong relations and work closely with internal and external stakeholders (e.g. Brand, Digital, Base Marketing, Finance, and Sales Teams) to understand successes owing to product/propositions;
• Collaborates with insights teams to understand future product features;
• Understands market segments and drives engagement with wider stakeholder teams (for example, Pre-Sales, Sales and Commercial Finance) to ensure sales and revenue target achievement;
• Supports engaging with other Vodacom markets to rollout test and learn approaches to new proposition launches;
• Uses knowledge to ensure best practice is utilized within the Products and Propositions team;
• May provide guidance to junior members of the team.

Skills

• Modern Marketing Leadership
• Product and Proposition Strategy and Design
• Pricing Design and Analysis