Rafiki Microfinance Bank is a place where creativity and positive ambition are infectious. We are restless to win, to meet the changing needs of our customers and unlock growth opportunities.

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Senior Officer – Digital Products & Partnerships

Job Type

Full Time

Qualification

BA/BSc/HND

Experience

3 - 5 years

Location

Nairobi

Job Field

Banking , ICT / Computer

We are seeking a Senior Officer-Digital Products & Partnerships to drive the growth and management of our digital and partnership-driven portfolios, including LNM, SOLV, and Consumer Lending. Key focus areas include scaling profitable portfolios, maintaining high asset quality, and strength- ening strategic partnerships to boost branch performance. The role also requires ensuring strict adhe rence to credit, operational, and regulatory frameworks.

Key Responsibilities

Partnerships & Stakeholder Coordination

• Manage strategic partnerships, MOUS, and compliance with lending programs.
• Coordinate across Business, Credit, Risk, Finance, IT, and external partners.
• Track operational issues, data gaps, and enforce SLAs.

Pipeline & Branch Enablement

• Drive sourcing, onboarding, and conversion of partnership pipelines
• Enable branches on partner programs and Improve client uptake
• Support value-chain financing (agribusiness, trade, payroll lending)

Portfolio & Risk Monitoring

• Monitor portfolio performance, arrears, and early delinquency by partner/product.
• Support credit exception tracking and remediation Participate in portfolio reviews.

Systems & Innovation

• Support testing, UAT, and rollout of lending platform -enhancements.
• Log and resolve system issues with IT/vendors Contribute to product research and innovation.

Product Operations

• Support daily operations of semi-digital lending products (LNM, SOLV, Rafiki Salo, Upaware/Lipad).
• Ensure alignment with credit policy and partner contracts Identify and escalate operational or system anomalies

Reconciliations & Settlements

• Execute accurate postings for disbursements, repayments, and adjustments
• Reconcile partner platforms with core banking systems Validate and settle partner invoices for income share, fees, and commissions.

Analytics & Reporting

• Deliver regular and ad-hoc reports on growth, quality, profitability, and partner performance.
• Provide actionable insights for scaling decisions Support audit requirements.

Compliance & Governance

• Ensure adherence to CBK regulations, consumer protection, and data privacy laws.
• Maintain audit-ready documentation for agreements, reconciliations, and settlements.

Competencies & Skills

• Strong analytical skills with high attention to detail.
• Strong understanding of credit products
• Excellent reporting and stakeholder management
• High integrity and problem-solving skills
• Proactive, collaborative, and adaptable

Qualifications

• Bachelor's degree in Finance, Economics, Business, Banking, IT, or related field.
• Professional certification: CPA, ACCA, Credit, or Risk Management (advantage)
• 3-5 years in banking operations, digital lending, product support. partnerships, or credit administration.
• Experience with core banking systems, digital lending platforms, and financial reconciliations.

• Manage strategic partnerships, MOUS, and compliance with lending programs.
• Coordinate across Business, Credit, Risk, Finance, IT, and external partners.
• Track operational issues, data gaps, and enforce SLAs.
• Drive sourcing, onboarding, and conversion of partnership pipelines
• Enable branches on partner programs and Improve client uptake
• Support value-chain financing (agribusiness, trade, payroll lending)
• Monitor portfolio performance, arrears, and early delinquency by partner/product.
• Support credit exception tracking and remediation Participate in portfolio reviews.
• Support testing, UAT, and rollout of lending platform -enhancements.
• Log and resolve system issues with IT/vendors Contribute to product research and innovation.
• Support daily operations of semi-digital lending products (LNM, SOLV, Rafiki Salo, Upaware/Lipad).
• Ensure alignment with credit policy and partner contracts Identify and escalate operational or system anomalies
• Execute accurate postings for disbursements, repayments, and adjustments
• Reconcile partner platforms with core banking systems Validate and settle partner invoices for income share, fees, and commissions.
• Deliver regular and ad-hoc reports on growth, quality, profitability, and partner performance.
• Provide actionable insights for scaling decisions Support audit requirements.
• Ensure adherence to CBK regulations, consumer protection, and data privacy laws.
• Maintain audit-ready documentation for agreements, reconciliations, and settlements.

• Strong analytical skills with high attention to detail.
• Strong understanding of credit products
• Excellent reporting and stakeholder management
• High integrity and problem-solving skills
• Proactive, collaborative, and adaptable

• Bachelor's degree in Finance, Economics, Business, Banking, IT, or related field.
• Professional certification: CPA, ACCA, Credit, or Risk Management (advantage)
• 3-5 years in banking operations, digital lending, product support. partnerships, or credit administration.
• Experience with core banking systems, digital lending platforms, and financial reconciliations.