The new NCBA has harnessed the power of both NIC and CBA to create a bank that brings together the best of both worlds from cutting edge mobile banking to good old-fashioned relationship management; from scalable business banking to financial services that grow as your business does; from best-in-class choice of products to investment solutions tailored to your specific needs.

Job Purpose Statement

NCBA Digital Business manages the MSL portfolio, including M-Shwari and Fuliza. The portfolio brings together consumer credit and savings solutions that support customers’ day-to-day financial needs.

The Growth Lead, Consumer Proposition

is a senior commercial role responsible for defining and delivering the growth strategy for the consumer portfolio across lending and savings. The role owns performance outcomes across acquisition, engagement, retention, and monetisation, and provides leadership across cross-functional teams to execute priority initiatives.

The role carries end-to-end commercial accountability for the consumer portfolio, including P&L performance (revenue, costs, and profitability), supported by rigorous budgeting, forecasting, and performance governance. It partners with product, risk, finance, operations, and data leadership to optimise customer experience, portfolio performance, and sustainable returns, and to provide clear performance narratives to senior management.

This role provides strategic leadership and commercial direction across the portfolio, setting priorities, defining measurable success metrics, and ensuring disciplined execution through a clear operating rhythm and governance forums. It is accountable for translating strategy into business cases, initiatives, and delivery roadmaps, and for proactively managing trade-offs to protect customer value, portfolio quality, and profitability.

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.

• Defining and delivering the growth strategy for the consumer portfolio across lending and savings.
• Owning performance outcomes across acquisition, engagement, retention, and monetisation.
• Providing leadership across cross-functional teams to execute priority initiatives.
• End-to-end commercial accountability for the consumer portfolio, including P&L performance (revenue, costs, and profitability).
• Partnering with product, risk, finance, operations, and data leadership to optimise customer experience, portfolio performance, and sustainable returns.
• Providing clear performance narratives to senior management.
• Translating strategy into business cases, initiatives, and delivery roadmaps.
• Proactively managing trade-offs to protect customer value, portfolio quality, and profitability.

• Consumer lending
• Digital credit
• Retail financial services growth
• P&L management
• Budgeting
• Forecasting
• Performance governance
• Customer experience optimization
• Strategic leadership
• Commercial direction
• Business case development
• Initiative execution
• Roadmap development

• 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.