Analyst, Shari’ah-Compliant Intelligent Finance (SCIF)

Job title – Analyst, Shari’ah-Compliant Intelligent Finance (SCIF)

Place of Work: Kifiya HQ
Department: Shari’ah-Compliant Intelligent Finance Office (SCIFO)
Reports To: Director or Manager – Bank Relationship Management

Position Summary

Kifiya is seeking a highly analytical and detail-oriented Analyst to support the design, rollout, and performance monitoring of our Shari’ah-Compliant Intelligent Finance portfolio.
The role supports financial institution partnerships, marketplace/e-commerce initiatives, embedded finance products, and Shari’ah governance by generating insights, coordinating delivery, and ensuring data-driven decision-making.

The Analyst will work across multidisciplinary teams to strengthen SCIF product performance, ensure compliance, and help scale Ethiopia’s first digital Shari’ah-compliant financial ecosystem.

Key Responsibilities

1. Market & Product Research

• Conduct structured research across digital finance, marketplace ecosystems, bank–fintech partnerships and Shari’ah-compliant products.
• Analyze customer segments, market gaps, competitive trends and partnership opportunities.
• Track global Islamic fintech developments and translate into actionable insights.

2. Partnership & Marketplace Support

• Assess performance of partner banks on SCIF KPIs (portfolio, PAR/NPF, liquidity velocity, disbursement volumes, customer acquisition, etc.).
• Support design, refinement and rollout of marketplace and embedded finance offerings.
• Contribute to evaluations of partnership proposals, concept notes and business cases.

3. Data Analysis & Insight Generation

• Collect and analyze quantitative and qualitative data from multiple sources.
• Develop dashboards, product performance trackers and periodic analytical reports.
• Identify operational bottlenecks, customer behavior patterns and improvement opportunities.

4. Project Coordination

• Track timelines, deliverables and progress of partnership and marketplace projects.
• Coordinate between SCIFO, bank partners, technology teams, marketplace partners and support units.
• Assist in pilot testing, onboarding, process documentation and rollout support.

5. Shari’ah Governance Support

• Prepare materials for Shari’ah reviews, approvals and joint committee sessions.
• Ensure transparent documentation of methodologies, assumptions and data sources.
• Support compliance monitoring, issue tracking and implementation of Shari’ah guidance.

6. Reporting & Knowledge Products

• Prepare presentations, briefs, research summaries, decision memos and insights for internal and external stakeholders.
• Develop visual materials including diagrams, process flows, market maps and dashboards.
• Ensure decision-makers receive accurate, timely and actionable intelligence.

7. Stakeholder Engagement

• Liaise with partner banks, marketplace actors, internal business teams and regulatory-facing units.
• Provide clear and structured communication to ensure alignment and follow-through.
• Support partnership development activities and proposal preparation.

8. Quality Assurance & Process Improvement

• Ensure accuracy, clarity and consistency in all analysis and reports.
• Identify process gaps and support continuous improvement of SCIF tools, workflows and templates.
• Help flag risks and support mitigation efforts across partnership and marketplace operations.

Job Requirements

Education & Experience

• Bachelor’s or Master’s degree in Business, Finance, Economics, Management, Law, Development Studies or related fields.
• Minimum 3 years’ experience in consulting, digital finance, research, banking, insurance, marketplace/e-commerce or partnership/program management.
• Exposure to Islamic/Shari’ah-compliant finance is desirable.
• Understanding of AAOIFI/IFSB principles is an advantage

Competencies

• Strong analytical and research skills, including ability to interpret both qualitative and quantitative data.
• Ability to translate complex data into clear, actionable insights and visual outputs.
• Strong project management and coordination capabilities.
• Excellent interpersonal skills and ability to work across teams and with external partners.
• Clear and concise communication skills: written, verbal and presentation.
• High attention to detail, accuracy and quality of work.
• Proactive mindset with strong problem-solving abilities.
• Ability to adapt in fast-paced, evolving and multi-stakeholder environments.
• Commitment to ethical conduct and sensitivity to Shari’ah-compliant finance principles.