Reports to: Senior Manager, Commercial

Role purpose:

Pioneering a fintech business and global market leader in mobile money for the unbanked and underbanked to make digital payments.

The Commercial Team works to co-create the product strategy, drive thought leadership, design new products and features, set commercial priorities with the engineering teams and lead business development for strategic multi-country partnership opportunities.

Your responsibilities will include championing the credit portfolio. This includes bringing the voice of the customer, industry trends and design thinking to create solutions for our customer, and actively engaging and influencing key internal and external stakeholders. You will also be the “linchpin” between the engineering teams and the business.

Champion Credit Product Strategy & Execution:

·         Own the vision for credit products

·         Drive the roadmap incorporating industry and customer research to create transformative product offerings

·         Be a customer advocate; ensure the voice of the borrower is central to new product development

·         Rally product creation colleagues to drive timely results – developers, business analysts, architects, delivery managers, operations support, etc.

Spearhead Partnerships to Drive Innovation:

•  Lead partnership discussions with banks etc.
• Drive business development with relevant 3rd parties, negotiate key

Core competencies, knowledge and experience:

Core competencies, knowledge and experience:

·         >10 years of professional experience with at least 3 years of remittance experience at a fintech, bank or other relevant digital business

·         Strong knowledge of mobile money, fintech and financial services

·         Experience with emerging market consumers, and multicultural sensitivity

·         Analytical bent of mind, structured thinker with strong business acumen

·         Results-driven self-starter

·         Solid influencing and negotiation skills

Must have technical / professional qualifications:

•   Bachelor’s degree required, a Master’s degree in a related field preferred
• commercial and product terms and support legal on contracting

Build “trusted advisor” relationship with key stakeholders across the business

• Offer strategic support on the credit strategy, negotiations and business case
• Co-develop launch and go to market plans with JV product managers to drive uptake and engagement
• Ensure engagement of compliance, engineering and other colleagues

Key performance indicators:

•   # of active borrowers in markets
•   % NPL/portfolio quality
•   Speed of execution of roadmap
•   Contagious passion for, and commitment to driving mobile money growth and innovation
•   Willingness to travel frequently