Job Description
Product Strategy & Portfolio Management (20%)
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.
Digital Product Innovation (20%)
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.
Product Lifecycle Management (10%)
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.
Digital Lending Management (10%)
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.
Digital Savings Management (10%)
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.
Customer Experience & Journey Management (10%)
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.
Partnerships & Ecosystem Development (10%)
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.
Project Delivery, Implementation & Governance (10%)
Ensure successful execution of product initiatives through effective project management practices.
Oversee quality assurance processes, UAT, pilot testing, and product release governance.
MINIMUM POSITION QUALIFICATION REQUIREMENTS
Academic & Professional
Particulars Detail Specific Field or Qualification Need Type[1]
Education Bachelor’s degree Bachelor’s degree from a recognized university RQ
Professional Qualifications Product Management, Project Management, AGILE Practices AA
Master’s degree Business related AA
Experience
Total Minimum Cumulative No of Years’ Experience Required 8
[1] Need Types are: RQ = Required, AA = Added Advantage
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Job Info
Job Identification
6442
Posting Date
08/14/2026, 03:27 PM
Apply Before
08/28/2026, 08:00 PM
Job Schedule
Full time
Locations
Tanzania, United Republic of
How to Apply:
Job type Full-time Job, To submit your application, please follow the link provided below.
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