Lead the design and deployment of agricultural credit products tailored for smallholder farmers/ Pastoralists/farmer Households and agri-MSMEs, while forging and managing partnerships with financial institutions (MFIs, (Ru) SACCOs, Banks). Ensure effective digitization of workflows, strong distribution networks, and sustained rollout support.  

Key Responsibilities 

1. Credit Product Design & Development (Core Focus) 

• Lead end-to-end design of seasonal credit products (input, mechanization, post-harvest) leveraging market research and farmer insights  

• Build and refine repayment models calibrated to agro-seasonal cash flow cycles. 

• Define product strategies: pricing, terms, risk appetite, and customer experience milestones. 

2. Market Research & Product Strategy 

• Conduct farmer and partner interviews, market scanning, and competitor analysis to align product offerings with demand . 

• Develop value propositions and go-to-market plans in collaboration with sales, marketing, and FI partners  

3. FI Partnership Management & Digitization 

• Cultivate strong relationships with MFIs, SACCOs, and banks—aligning on product, process, pricing, and risk frameworks. 

• Support end-to-end digital workflow setup—from loan origination through disbursement and repayment tracking. 

4. Distribution & Agent Network Enablement 

• Recruit, train, and activate agent and cooperative networks to support last-mile loan servicing, applicant verification, and collections. 

• Equip the field network with tools, SOPs, and performance KPIs for delivery and monitoring. 

5. Risk Oversight & Capacity Building 

• Monitor loan performance, credit indicators, and portfolio health; suggest mitigation measures like collateral, insurance, or segmentation. 

• Lead training sessions for partner loan officers and field agents—covering product features, risk protocols, credit scoring, and compliance. 

Job Requirements

• Bachelor’s in Finance, Economics, Business, or related (Master’s preferred). 

• 5+ years in microfinance, agri-lending, or rural credit — including at least 2 years in product design or management. 

• Proven experience with MFIs, SACCOs, or cooperatives in product rollout and digital transformation. 

Skills 

• Deep understanding of rural/agricultural credit dynamics and farmer behavior. 

• Expertise in digital financial services product design, credit risk, and financial modelling. 

• Analytical, data-driven, with comfort using dashboards and KPIs. 

• Excellent stakeholder management—capable of influencing internal teams and external partners. 

• Strong communication and training skills; ability to transfer knowledge to diverse audiences. 

How To Apply

Interested candidates should submit their resume to hr@kifiya.com and include “Financial Inclusion & Credit Partnerships Manager" in the subject line. 

We are an equal opportunity employer dedicated to diversity and inclusion, welcoming all qualified applicants regardless of background. Our goal is to build a diverse team to promote innovation and success.