We are seeking a Senior Officer-Digital Products & Partnerships to drive the growth and management of our digital and partnership-driven portfolios, including LNM, SOLV, and Consumer Lending. Key focus areas include scaling profitable portfolios, maintaining high asset quality, and strength- ening strategic partnerships to boost branch performance. The role also requires ensuring strict adhe rence to credit, operational, and regulatory frameworks.

Key Responsibilities

Partnerships & Stakeholder Coordination

• Manage strategic partnerships, MOUS, and compliance with lending programs.
• Coordinate across Business, Credit, Risk, Finance, IT, and external partners.
• Track operational issues, data gaps, and enforce SLAs.

Pipeline & Branch Enablement

• Drive sourcing, onboarding, and conversion of partnership pipelines
• Enable branches on partner programs and Improve client uptake
• Support value-chain financing (agribusiness, trade, payroll lending)

Portfolio & Risk Monitoring

• Monitor portfolio performance, arrears, and early delinquency by partner/product.
• Support credit exception tracking and remediation Participate in portfolio reviews. Systems & Innovation
• Support testing, UAT, and rollout of lending platform -enhancements.
• Log and resolve system issues with IT/vendors Contribute to product research and innovation.

Product Operations

• Support daily operations of semi-digital lending products (LNM, SOLV, Rafiki Salo, Upaware/Lipad).
• Ensure alignment with credit policy and partner contracts Identify and escalate operational or system anomalies

Reconciliations & Settlements

• Execute accurate postings for disbursements, repayments, and adjustments
• Reconcile partner platforms with core banking systems Validate and settle partner invoices for income share, fees, and commissions.

Analytics & Reporting

• Deliver regular and ad-hoc reports on growth, quality, profitability, and partner performance.
• Provide actionable insights for scaling decisions Support audit requirements.

Compliance & Governance

• Ensure adherence to CBK regulations, consumer protection, and data privacy laws.
• Maintain audit-ready documentation for agreements, reconciliations, and settlements.

Competencies & Skills

• Strong analytical skills with high attention to detail. Strong understanding of credit products Excellent reporting and stakeholder management High integrity and problem-solving skills Proactive, collaborative, and adaptable

Qualifications

• Bachelor’s degree in Finance, Economics, Business, Banking, IT, or related field.
• Professional certification: CPA, ACCA, Credit, or Risk Management (advantage)
• 3-5 years in banking operations, digital lending, product support. partnerships, or credit administration.
• Experience with core banking systems, digital lending platforms, and financial reconciliations.

How to Apply

Send your cover letter and CV to hr@rafiki.co.ke quoting Senior Officer – Digital Products & Partnerships as the subject.

Only shortlisted candidates will be contacted Apply on or before 24 February 2026 at 5:00PM