Manager, Product Planning and Rollout – MSME Financing

Location: Head Office

Department: Financial and Market Linkage Solution

Reports To: Director, Growth and Partnerships

About Kifiya:

Kifiya is an AI-powered ecosystem technology company specializing in intelligent data-driven decisioning, financial services, digital agriculture, and smart mobility infrastructure solutions. For over a decade, we have built robust technological infrastructures and implemented transformative initiatives that address market failures. We empower MSMEs, smallholder farmers, and low- to middle-income consumers by providing access to financial services and markets. Kifiya is scaling its technology infrastructure to create a more inclusive and sustainable future in Africa.

Business Unit Description

The Financial and Market Linkage Solutions unit is Kifiya’s commercial engine, responsible for translating its AI-enabled financial infrastructure into deployed capital and sustainable revenue. It drives partner bank growth, optimizes liquidity utilization, and scales MSME lending, embedded finance, invoice finance, asset finance, and agri-finance solutions. Operating across institutional, regional, and field execution layers, FMLS ensures risk-aligned expansion while converting platform capabilities into measurable financial impact at scale.

Position Summary

The Manager, Product Planning and Rollout MSME Financing leads the end-to-end design, commercialization, and performance management of Kifiya’s MSME financing vertical. The role owns the full MSME product lifecycle from segment strategy and credit structuring to rollout governance, portfolio monitoring, and optimization. It ensures MSME lending solutions are capital-efficient, AI-enabled, risk-aligned, and scalable across multiple partner banks and distribution channels. This role converts Kifiya’s data-driven credit decisioning capabilities into high-performing MSME lending portfolios that drive capital velocity, financial inclusion, and sustainable returns.

Key Responsibilities

MSME Product Strategy and Segment Design · Define target MSME segments, use cases, and lending propositions. · Structure working capital, inventory credit, embedded finance, and digital loan offerings. · Identify underserved MSME segments and ecosystem-led opportunities. · Develop business cases and financial models for product investments and scale decisions. Capital Deployment and P&L Management · Own MSME financing vertical P&L performance. · Align portfolio growth with liquidity availability and capital allocation strategy.

· Drive capital efficiency, margin optimization, and sustainable yield performance. · Support revenue forecasting and budget management. Credit Architecture and Risk Governance · Translate AI credit scoring into segment-specific underwriting structures. · Define risk-tiered pricing and portfolio segmentation frameworks. · Monitor portfolio performance including PAR, NPL, disbursement growth, and repayment trends. · Collaborate with Risk and Analytics teams to continuously refine credit models. Rollout and Cross-Functional Coordination · Lead phased rollout strategies across partner banks and distribution channels.

· Align with Growth & Partnerships teams for institutional activation. · Coordinate with field channel leadership to ensure origination discipline. · Establish SOPs and operational governance frameworks for MSME loan execution. Portfolio Performance and Optimization · Track portfolio KPIs including capital utilization, repayment reliability, and customer lifetime value. · Identify operational bottlenecks and implement corrective measures.

· Continuously refine pricing, risk segmentation, and channel performance. Ecosystem Integration and Embedded Finance · Support integration of MSME financing into e-commerce, merchant networks, and embedded finance ecosystems. · Design scalable distribution models leveraging partner institutions and digital platforms. · Identify partnership opportunities to enhance origination efficiency and repayment reliability. Continuous Improvement and Innovation · Monitor market and regulatory trends affecting MSME finance. · Innovate new product variations aligned to market gaps. · Ensure MSME financing remains competitive, compliant, and technologically advanced.

Key Outputs

· MSME portfolio growth and revenue performance · Portfolio-at-risk and NPL ratios · Capital utilization and yield performance · Loan disbursement velocity · Product adoption rates · Customer retention and repayment reliability

Education ·

• bachelor’s degree in business, Finance, Economics, or related field. · MBA or relevant master’s degree preferred.

Experience

• Minimum 8 years of experience in MSME finance, digital lending, banking transformation, or fintech. · Demonstrated P&L management experience. · Strong exposure to credit risk modeling and portfolio management. · Experience working within multi-bank or ecosystem-driven lending models preferred.

Core Competencies

· MSME Lending Expertise · Credit and Risk Fluency · Capital and Portfolio Management · Product Commercialization Capability · Data-Driven Decision Making · Cross-Functional Execution Discipline · Strategic Ecosystem Thinking