Manager Lending Services
Aggregate function:
Commercial
Business Area:
Local Commercial Operations
Posting Country:
Congo, the Democratic Republic of the
Date Posted:
1 Sept 2026
Full Time / Part Time:
Full Time
Contract Type:
Permanent
Role Purpose
The Manager Lending Services is responsible for leading the development, growth, and operational management of M-Pesa lending products and services. The role drives financial inclusion by designing customer-centric digital lending solutions, managing strategic partnerships with banks and financial institutions, ensuring service performance and compliance, and delivering sustainable revenue growth. The position plays a critical role in diversifying M-Pesa's financial services portfolio and maximising customer value through innovative lending propositions.
Key Accountabilities
Product Strategy & Portfolio Management
- Develop and manage a portfolio of digital lending products aligned with customer needs and business objectives.
- Identify market opportunities and introduce new lending solutions to drive customer acquisition and revenue growth.
- Ensure product offerings remain competitive and relevant through continuous market analysis and customer insights.
- Diversify the lending portfolio to minimise concentration risk and enhance commercial performance.
Business Growth & Financial Performance
- Deliver agreed targets for lending service penetration, loan uptake, active customers, revenue, and profitability.
- Monitor product performance and implement initiatives to improve customer adoption and usage.
- Develop business cases and growth strategies for new lending opportunities.
Partnership Management
- Build and maintain strong relationships with banking partners, microfinance institutions, fintech partners, and other stakeholders.
- Negotiate and manage service agreements to ensure mutual value creation and operational excellence.
- Coordinate partner engagement and facilitate the resolution of operational issues.
Service Operations & Customer Experience
- Ensure the continuous availability, functionality, and performance of lending services.
- Conduct regular testing and service monitoring to identify and address system issues proactively.
- Collaborate with Product, Technology, Customer Operations, Risk, and Compliance teams to resolve incidents and improve service quality.
- Ensure the customer value proposition is validated before product launch.
Risk, Compliance & Governance
- Monitor lending operations to ensure adherence to regulatory requirements and internal policies.
- Oversee operational controls relating to partner settlement accounts and lending service thresholds.
- Support risk mitigation initiatives in collaboration with Risk and Compliance teams.
- Ensure lending products operate within approved governance and risk frameworks.
Reporting & Performance Management
- Produce regular performance reports, portfolio analysis, and recommendations for management.
- Track key performance indicators and implement corrective actions where required.
- Provide insights and recommendations to support strategic decision-making.
Core Competencies
Functional Competencies
- Digital Lending and Credit Products Management
- Mobile Financial Services (MFS) and Mobile Money Operations
- Product Development and Lifecycle Management
- Portfolio Management and Business Growth
- Financial Services Partnership Management
- Revenue and Commercial Performance Management
- Risk Management and Regulatory Compliance
- Customer Experience Management
- Data Analysis and Business Intelligence
Behavioural Competencies
- Strategic Thinking
- Customer Focus
- Results Orientation
- Commercial Acumen
- Stakeholder Management
- Problem Solving and Decision Making
- Innovation and Continuous Improvement
- Influencing and Negotiation Skills
- Collaboration and Teamwork
- Effective Communication
Must-Have Technical / Professional Qualifications
Education
- Bachelor's degree in Finance, Banking, Economics, Business Administration, Information Systems, or a related field.
- Master's degree in Business Administration (MBA) or a related discipline is an advantage.
Experience
- Minimum 5-7 years of experience in digital financial services, mobile money, banking, fintech, lending, or financial product management.
- Proven experience managing lending products, credit solutions, or financial services portfolios.
- Experience working with banks, microfinance institutions, or financial service providers.
- Demonstrated track record of delivering revenue growth and customer adoption targets.
Technical Knowledge
- Strong understanding of digital lending ecosystems and credit products.
- Knowledge of mobile money services and financial inclusion programmes.
- Understanding of credit risk principles, portfolio management, and lending operations.
- Familiarity with financial services regulations and compliance requirements.
- Experience with data analytics and reporting tools.
Professional Skills
- Advanced stakeholder and partnership management skills.
- Strong financial and commercial analysis capabilities.
- Project management and product launch experience.
- Excellent presentation, communication, and negotiation skills.
- Proficiency in Microsoft Office applications, particularly Excel and PowerPoint.
Preferred Certifications
- Certified Digital Finance Practitioner (CDFP) or equivalent.
- Project Management certification (PMP, PRINCE2, Agile, or equivalent).
- Banking, Risk, or Financial Services certifications would be an advantage.
Key Performance Indicators (KPIs)
- Lending revenue achievement.Active lending customers.
- Loan portfolio growth.Product adoption and penetration rates.
- Service availability and operational performance.
- Partner satisfaction and SLA compliance.
- Portfolio risk and delinquency metrics.Customer satisfaction and retention levels.