DFS Manager, Digital Loans and Savings at KCB Bank Tanzania

Job Function

Digital Financial Services, Product Management

Designation

DFS Manager, Digital Loans and Savings

Level

Manager

Employment Type

Full Time

Workplace Type

Not specified

Location

Tanzania, United Republic of

Job Role

Job Title: DFS Manager, Digital Loans and Savings

Position Overview

The DFS Manager, Digital Loans and Savings is responsible for defining and executing the Bank’s digital loans and savings strategy and managing the overall growth, profitability, innovation, and performance of the digital loans and savings portfolio.

The role covers digital lending, digital savings, micro-savings, micro-lending, goal-based savings, fixed savings, and embedded financial services. It also involves product innovation, lifecycle management, customer experience, digital lending risk management, deposit mobilization, strategic partnerships, and product implementation.

Key Responsibilities

Product Strategy & Portfolio Management

• Define and execute the digital loans and savings strategy aligned with the Bank’s Digital Financial Services strategy.
• Develop and maintain a product roadmap covering digital lending, digital savings, micro-savings, micro-lending, goal-based savings, fixed savings, and embedded financial services solutions.
• Identify market opportunities and customer needs to drive innovation and portfolio expansion.
• Manage the overall profitability, growth, and performance of the digital loans and savings portfolio.
• Drive continuous product enhancement to maintain competitiveness and market relevance.

Digital Product Innovation

• Lead ideation, conceptualization, and development of innovative digital lending and savings solutions.
• Design customer-centric products for retail, SME, youth, women, and underbanked segments.
• Explore emerging technologies, alternative data sources, artificial intelligence, and digital credit assessment models to support product innovation.
• Promote financial inclusion through accessible and affordable digital financial products.

Product Lifecycle Management

• Manage the end-to-end product lifecycle, including concept development, business case preparation, requirements gathering, product development, testing, rollout, optimization, and retirement.
• Oversee product performance throughout the customer lifecycle and implement enhancements to improve adoption and profitability.
• Develop product pricing, customer value propositions, and go-to-market strategies.
• Monitor product utilization and customer engagement to identify growth opportunities.

Digital Lending Management

• Lead the development and optimization of digital loan products, including salary advances, mobile loans, nano-loans, SME digital credit, and ecosystem financing solutions.
• Drive portfolio growth while maintaining an appropriate risk-return balance.
• Collaborate with Risk, Credit, and Analytics teams to develop credit decisioning and scoring models.
• Monitor disbursement volumes, portfolio quality, customer repayment behavior, and product profitability.
• Develop responsible lending practices that support sustainable portfolio growth.

Digital Savings Management

• Develop and manage digital savings products that encourage customer engagement and deposit mobilization.
• Drive customer adoption and growth of digital savings accounts and investment-linked solutions.
• Implement initiatives that promote long-term savings behavior and financial wellness.
• Monitor deposit growth, account activity, customer retention, and product profitability.

Customer Experience & Journey Management

• Enhance customer experience through customer journey mapping, UX/UI optimization, and digital engagement strategies.
• Identify customer pain points and implement improvements to simplify product access and usability.
• Utilize customer insights and analytics to improve product performance and customer satisfaction.
• Ensure seamless onboarding and servicing experiences across all digital platforms.

Partnerships & Ecosystem Development

• Establish and manage strategic partnerships with fintechs, MNOs, credit bureaus, technology providers, aggregators, and ecosystem players.
• Explore embedded finance and ecosystem lending opportunities to expand customer reach.
• Drive innovation through collaboration with internal and external stakeholders.
• Manage partner relationships, commercial arrangements, and service-level agreements.

Project Delivery, Implementation & Governance

• Ensure successful execution of product initiatives through effective project management practices.
• Oversee quality assurance processes, UAT, pilot testing, and product release governance.

Qualifications

Education

• Bachelor’s degree from a recognized university is required.

Professional Qualifications

• Professional qualifications or experience in Product Management, Project Management, or Agile Practices are an added advantage.

Master’s Degree

• A Master’s degree in a business-related field is an added advantage.

Experience

• Minimum of 8 years of cumulative professional experience is required.

Core Skills & Competencies

• Digital lending and savings
• Digital financial services
• Product strategy and portfolio management
• Digital product innovation
• Product lifecycle management
• Customer-centric product development
• Digital credit and lending solutions
• Credit decisioning and scoring
• Digital savings and deposit mobilization
• Customer journey management
• UX/UI optimization
• Data-driven product management
• Fintech and digital payments
• Partnership and ecosystem development
• Project management
• Agile practices
• Risk and portfolio management
• Product profitability and performance management

Application Information

• Job Identification: 6442
• Job Schedule: Full Time
• Posting Date: 14 August 2026
• Application Deadline: 28 August 2026 at 8:00 PM
• Location: Tanzania, United Republic of

Need Type

• RQ: Required
• AA: Added Advantage