Job Specifications** Academic****

• University Degree in Business, Commerce, Finance, Economics, Computer Science, or related field.

• MBA or Master's degree in a business field is desirable.

• Customer Growth Management Nano Degree Certification is an added advantage.

• Digital Marketing Nano Degree Certification is desirable.

Work Experience**

At least 8 years of work experience, three of which should have been in a senior commercial management role within a Fintech, Bank, or Telecommunications organisation, with direct experience in consumer lending, digital credit, or retail financial services growth.

Financial (40%)**

• Own the P&L portfolio, accountable for revenue, costs, and profitability against approved budgets

• Lead annual and quarterly planning, including budgeting, forecasting, and scenario analysis

• Drive profitability levers — pricing, product performance, customer value, and cost efficiency — through prioritised initiatives

• Sponsor and govern the investment roadmap, ensuring disciplined spend and measurable returns

• Own performance reporting, translating results into actions and escalating material variances

• Develop and present business cases to senior forums, remaining accountable for approved outcomes

Customer (30%)****

• Own the customer growth agenda across acquisition, onboarding, activation, engagement, retention, and reactivation

• Set customer goals and success metrics, ensuring initiatives are prioritised and tracked accordingly

• Lead experience improvements through research, analytics, and structured testing to drive conversion and satisfaction

• Develop proposition enhancements that improve customer value while maintaining responsible outcomes

• Build and maintain strategic relationships supporting growth and consistent service delivery

• Represent the customer in cross-functional forums, providing performance narratives and advocating for change

Internal Business Processes (10%)****

• Establish a clear growth operating rhythm across planning, prioritisation, execution, and performance review

• Lead cross-functional delivery of priority initiatives, actively managing timelines, dependencies, and outcomes

• Partner with risk, credit, and compliance teams to ensure initiatives meet governance requirements

• Drive continuous improvement by identifying issues, quantifying impact, and sponsoring corrective actions

• Ensure decisions are backed by clear analysis with risks and trade-offs documented and communicated

• Coordinate across product, technology, data, finance, and operations to deliver an aligned commercial roadmap

Learning & Growth (20%)**

• Lead, coach, and develop a high-performing team with clear priorities, standards, and accountability

• Build capability in growth management, analytics-driven decision-making, and disciplined execution

• Foster a culture of innovation and structured experimentation, ensuring learnings are documented and scaled

• Develop succession depth through mentoring, performance management, and targeted development plans

• Stay current on market trends, translating insights into portfolio actions

• Contribute thought leadership to shape strategy and strengthen commercial discipline across the business