Responsibilities


Own the full product lifecycle for software and systems supporting credit and risk policy—from ideation through delivery, iteration, and scaling.
Define and maintain a clear product vision, roadmap, and backlog aligned with the organisation’s credit and risk strategy, in close collaboration with the Credit and Risk team.
Translate complex credit policies, underwriting models, and regulatory requirements into scalable product features and decision logic.
Continuously evaluate product performance using analytics, credit KPIs, and customer feedback to drive enhancements and maintain compliance.
Develop deep expertise in the lending platform’s core mechanics, including transaction processing, general ledger flows, repayment schedules, and configuration settings.
Ensure all products comply with local regulatory frameworks, including but not limited to NCR (South Africa), BoZ (Zambia), BoU (Uganda), and CBK (Kenya), while promoting innovation and commercial growth.
Champion a data-driven culture by embedding robust analytics, monitoring, and reporting capabilities into product architecture.
Communicate product performance, risk impacts, and strategic insights to Unifi’s leadership across regional markets.
Lead initiatives to build and enhance fraud detection and prevention systems, proactively addressing emerging risks in each operating environment.


Requirements


Bachelor’s or Master’s degree in Business, Finance, Computer Science, or a related field.
Over 10 years of professional experience, with a minimum of 5 years in product management or product ownership roles within financial services or fintech.
Background in microlending, consumer credit, or digital financial inclusion.
Deep knowledge of credit policies, lending platform architecture, credit scoring methodologies, and risk modeling.
Demonstrated success in developing and managing digital lending products.
Experience with decision engines, credit bureau integrations, fraud detection systems, and KYC/AML compliance frameworks.
Product management certification (e.g., Pragmatic Institute, AIPMM, Product School, SAFe PM/PO) is a strong advantage.
Passion for Africa and a strong desire to contribute to a mission-driven, high-growth organisation.
Openness to travel across the African continent as required.