Director, Intelligent Finance as a Service

Job Summary:

To lead and scale Kifiya’s flagship business — Intelligent Finance as a Service (IF-aaS) — which powers AI-driven digital banking and lending platforms for financial institutions. This role carries full P&L ownership and oversees platform monetization, partner bank growth, operational support, and risk-managed product delivery. The Director will drive innovation, platform performance, and impact across a multi-bank ecosystem, delivering bundled digital credit, wallet, and payment solutions underpinned by intelligent data decisioning.

Key Responsibilities

1. Strategic Leadership & Platform Vision

• Define the multi-year growth strategy for IF-aaS as the unit’s core PaaS business.
• Position the platform as the national leader in intelligent, partner-powered digital banking.
• Drive roadmap innovation to support lending, wallet, collections & merchant payments.

2. Full P&L Ownership & Financial Stewardship

• Own and manage all revenue streams, cost structures, and commercial targets for the IF-aaS business unit.
• Optimize monetization through per-file fees, platform usage, revenue-sharing, and service bundling.
• Ensure capital efficiency, profitability, and return on infrastructure and AI investment.

3. Bank Partner Management & Growth Enablement

• Lead strategic relationships with all partner banks — ensuring platform utilization, growth alignment, and co-branded success.
• Oversee go-to-market support, customer origination planning, and branch/channel engagement to drive active use.
• Lead contract delivery, SLA adherence, and partner satisfaction across all deployments.

4. Business Operation Support & Risk Productization

• Package and deliver business-side capabilities to partner banks including:
• Loan origination playbooks
• Collections system support
• Risk segmentation tools
• Product design frameworks
• Serve as the core business operations partner to help banks execute platform-led lending with integrity and scale.

5. Intelligent Credit Decisioning & Risk Oversight

• Oversee deployment and evolution of AI credit scoring, fraud detection, and relevant tools tailored to each bank.
• Work with internal teams to ensure risk-tiered lending and predictive NPL prevention.
• Guide partners on risk-based pricing, provisioning alignment, and compliance integration.

6. Platform Delivery & Technology Coordination

• Manage the delivery and scale-up of white-labeled platforms per bank, including core modules (loans, wallets, merchant services).
• Align product, tech, and support teams to ensure uptime, user experience, and feature enhancements.
• Prioritize interoperability, low-bandwidth optimization, and digital literacy-sensitive UX.

7. Team Leadership & Execution Oversight

• Lead a multidisciplinary team spanning bank success, operations support, credit analytics, and platform coordination.
• Set clear KPIs, promote delivery discipline, and foster a high-impact team culture.
• Develop talent pipelines to support scale-up and quality assurance across regions and partners.

8. Reporting, Metrics & Optimization

• Deliver real-time visibility on disbursement, repayment, partner performance, and liquidity movement.
• Enable performance benchmarking across banks and internal dashboards for leadership.
• Use data to identify bottlenecks, model enhancements, or partner-side operational gaps.

Education:

• Bachelor degree in business, Finance, or Technology; MBA or MSc in Data, Risk, or Banking preferred.

Experience:

12+ years in digital banking, fintech platforms, or banking transformation roles.

Strong leadership background in AI-based lending, platform-as-a-service models, or financial infrastructure delivery.

Direct experience managing multi-bank or B2B platform growth with full P&L responsibility.

Skills:

• Proven strength in productized credit and risk management for financial institutions.
• Deep understanding of bank operations, compliance, and partnership management.
• High comfort with financial modeling, AI model performance metrics, and regulatory alignment.