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Vodafone

Manager Lending Services

Location:  Kinshasa, Congo, the Democratic Republic of the
Location flexibility:  Office based
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Job Description

Role Purpose

The Manager Lending Services is responsible for leading the development, growth, and operational management of M-Pesa lending products and services. The role drives financial inclusion by designing customer-centric digital lending solutions, managing strategic partnerships with banks and financial institutions, ensuring service performance and compliance, and delivering sustainable revenue growth. The position plays a critical role in diversifying M-Pesa's financial services portfolio and maximising customer value through innovative lending propositions.

Key Accountabilities

Product Strategy & Portfolio Management

  • Develop and manage a portfolio of digital lending products aligned with customer needs and business objectives.
  • Identify market opportunities and introduce new lending solutions to drive customer acquisition and revenue growth.
  • Ensure product offerings remain competitive and relevant through continuous market analysis and customer insights.
  • Diversify the lending portfolio to minimise concentration risk and enhance commercial performance.

Business Growth & Financial Performance

  • Deliver agreed targets for lending service penetration, loan uptake, active customers, revenue, and profitability.
  • Monitor product performance and implement initiatives to improve customer adoption and usage.
  • Develop business cases and growth strategies for new lending opportunities.

Partnership Management

  • Build and maintain strong relationships with banking partners, microfinance institutions, fintech partners, and other stakeholders.
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  • Negotiate and manage service agreements to ensure mutual value creation and operational excellence.
  • Coordinate partner engagement and facilitate the resolution of operational issues.

    • Service Operations & Customer Experience

    • Ensure the continuous availability, functionality, and performance of lending services.
    • Conduct regular testing and service monitoring to identify and address system issues proactively.
    • Collaborate with Product, Technology, Customer Operations, Risk, and Compliance teams to resolve incidents and improve service quality.
    • Ensure the customer value proposition is validated before product launch.

    Risk, Compliance & Governance

    • Monitor lending operations to ensure adherence to regulatory requirements and internal policies.
    • Oversee operational controls relating to partner settlement accounts and lending service thresholds.
    • Support risk mitigation initiatives in collaboration with Risk and Compliance teams.
    • Ensure lending products operate within approved governance and risk frameworks.

    Reporting & Performance Management

    • Produce regular performance reports, portfolio analysis, and recommendations for management.
    • Track key performance indicators and implement corrective actions where required.
    • Provide insights and recommendations to support strategic decision-making.

    Core Competencies

    Functional Competencies

    • Digital Lending and Credit Products Management
    • Mobile Financial Services (MFS) and Mobile Money Operations
    • Product Development and Lifecycle Management
    • Portfolio Management and Business Growth
    • Financial Services Partnership Management
    • Revenue and Commercial Performance Management
    • Risk Management and Regulatory Compliance
    • Customer Experience Management
    • Data Analysis and Business Intelligence

    Behavioural Competencies

    • Strategic Thinking
    • Customer Focus
    • Results Orientation
    • Commercial Acumen
    • Stakeholder Management
    • Problem Solving and Decision Making
    • Innovation and Continuous Improvement
    • Influencing and Negotiation Skills
    • Collaboration and Teamwork
    • Effective Communication

    Must-Have Technical / Professional Qualifications

    Education

    • Bachelor's degree in Finance, Banking, Economics, Business Administration, Information Systems, or a related field.
    • Master's degree in Business Administration (MBA) or a related discipline is an advantage.

    Experience

    • Minimum 5-7 years of experience in digital financial services, mobile money, banking, fintech, lending, or financial product management.
    • Proven experience managing lending products, credit solutions, or financial services portfolios.
    • Experience working with banks, microfinance institutions, or financial service providers.
    • Demonstrated track record of delivering revenue growth and customer adoption targets.

    Technical Knowledge

    • Strong understanding of digital lending ecosystems and credit products.
    • Knowledge of mobile money services and financial inclusion programmes.
    • Understanding of credit risk principles, portfolio management, and lending operations.
    • Familiarity with financial services regulations and compliance requirements.
    • Experience with data analytics and reporting tools.

    Professional Skills

    • Advanced stakeholder and partnership management skills.
    • Strong financial and commercial analysis capabilities.
    • Project management and product launch experience.
    • Excellent presentation, communication, and negotiation skills.
    • Proficiency in Microsoft Office applications, particularly Excel and PowerPoint.

    Preferred Certifications

    • Certified Digital Finance Practitioner (CDFP) or equivalent.
    • Project Management certification (PMP, PRINCE2, Agile, or equivalent).
    • Banking, Risk, or Financial Services certifications would be an advantage.

    Key Performance Indicators (KPIs)

    • Lending revenue achievement.Active lending customers.
    • Loan portfolio growth.Product adoption and penetration rates.
    • Service availability and operational performance.
    • Partner satisfaction and SLA compliance.
    • Portfolio risk and delinquency metrics.Customer satisfaction and retention levels.

    Working at Vodafone

    2 office days / week

    A little flex time

    Company employees:

    85,887

    Gender diversity (m:f):

    61:39

    Hiring in countries

    Albania

    Bulgaria

    China

    Czechia

    Democratic Republic of the Congo

    Egypt

    Germany

    Greece

    Hungary

    India

    Ireland

    Italy

    Luxembourg

    Malaysia

    Portugal

    Romania

    Office Locations

    Company benefits

    UK (28), India (22), Egypt (21), Hungary (20), Romania (20), Albania (22), Turkey (14) days annual leave + bank holidays
    Work from anywhere scheme – work for up to 20 days/year abroad (dependant on country)
    Annual bonus – dependant on company performance
    Employee discounts
    Personal development days – once per quarter
    Learning platform – access to Harvard Business Publishing, MIT Horizon and Skillsoft
    Enhanced maternity leave – 16 weeks (paid) with a phased return to work over 6 months
    Enhanced paternity leave – 16 weeks (paid) with a phased return to work over 6 months
    Volunteer days – up to 5 days
    Coaching – access to a free certified internal pool of coaches
    Mentoring
    Carer’s leave
    Adoption leave – 16 weeks (paid) with a phased return to work over 6 months
    Enhanced sick days
    Mental health platform access
    Mental health first aiders
    Employee assistance programme
    Complimentary Medical Services – 24/7 online doctor service
    Compassionate leave
    Home office set up
    Buddy scheme
    Referral bonus
    Early finish Fridays
    Buy or sell annual leave
    Cycle to work scheme
    Life insurance
    Sabbaticals
    Salary sacrifice
    Share options
    Teambuilding days
    Faith rooms
    Enhanced pension match/contribution
    Learning license

    Awards & Accreditations

    1st – Most loved - Large companies

    1st – Most loved - Large companies

    Flexa awards 2026
    1st - Most Inclusive Company

    1st - Most Inclusive Company

    Flexa awards 2026
    Most Flexible Company

    Top 5 - Most Flexible Company

    Flexa awards 2026

    South Africa

    Spain

    Taiwan

    Tanzania

    Türkiye

    United Kingdom

    United States