Digital Product Manager at HF Group

Principle Accountabilities

Product Strategy & Discovery

• Lead market research and user discovery to identify product opportunities in mobile-led savings, TPS digital workflows, property marketplace commercialization, and CBS-platform integrations.
• Conduct feasibility assessments (technical, financial, regulatory, and commercial) to inform go/no-go decisions and product prioritization.
• Define and communicate product vision, strategy, and roadmaps aligned with organizational objectives and market needs.

Product Development & Delivery

• Partner with mobile operators (Safaricom, Airtel, Telkom) to co-create and launch digital savings products, ensuring seamless integration with HF Group's CBS and compliance with regulatory requirements.
• Drive the development and refinement of the Tenant Purchase Scheme (TPS) digital platform, including tenant onboarding, payment processing, document management, and end-to-end customer experience optimization.
• Lead the commercialization of HF Group's digital property marketplace, defining monetization models, vendor onboarding workflows, and user acquisition strategies.
• Manage integrations between the core banking system (CBS) and external platforms including Boma Yangu, eCitizen, CRM, and partner APIs — ensuring data integrity, system reliability, and scalability.
• Oversee the implementation of property management tools, rental collection automation, invoicing systems, office automation solutions, and knowledge management systems.

Product Growth & Optimization

• Monitor product performance through user adoption metrics, engagement analytics, transaction volumes, and revenue attribution — translating insights into product improvements and feature prioritization.
• Lead iterative product cycles informed by user feedback, A/B testing, and data analysis to continuously enhance user experience and commercial outcomes.
• Design and execute go-to-market strategies in collaboration with marketing, sales, and customer service teams to drive user acquisition, activation, and retention.

Stakeholder Management & Cross-Functional Collaboration

• Collaborate with internal teams (IT, Innovation, Marketing, Compliance, Finance, Customer Service, TPS Operations) and external partners (mobile operators, government entities, technology vendors) to ensure successful product delivery and adoption.
• Manage vendor and partner relationships, including contract negotiations, SLA management, and performance tracking to ensure quality service delivery.
• Serve as the primary product owner for digital initiatives, translating stakeholder requirements into clear product specifications and user stories for development teams.

Risk, Compliance & Security

• Ensure all digital products comply with regulatory requirements including CBK guidelines, data protection laws (Data Protection Act, 2019), and industry standards for financial services and housing finance.
• Proactively identify and mitigate product risks including security vulnerabilities, operational dependencies, and commercial viability concerns throughout the product lifecycle.
• Work closely with compliance, legal, and IT security teams to embed risk management and regulatory adherence into product design and delivery processes.

Key Competencies and Skills

Technical Competencies

• Product Lifecycle Management — from discovery through launch, growth, and maturity stages.
• Digital Platforms & Integrations — understanding of APIs, webhooks, CBS architectures, and system interoperability.
• Data Analytics & Product Metrics — proficiency with analytics tools (Google Analytics, Mixpanel, Tableau, Power BI) and ability to translate data into actionable product insights.
• Agile & Scrum Methodologies — hands-on experience working in agile environments, writing user stories, managing backlogs, and facilitating sprint planning.
• Commercial Acumen — ability to design monetization models, assess ROI, and balance user needs with business viability.
• Regulatory & Compliance Awareness — understanding of financial services regulation, data privacy laws, and security best practices.

Leadership Competencies

• Strategic Thinking & Vision — ability to connect product work to broader business strategy and articulate a compelling product vision.
• Stakeholder Management — skilled at building relationships, managing expectations, and influencing without direct authority across diverse internal and external stakeholders.
• Problem Solving & Decision Making — analytical and pragmatic approach to resolving ambiguity, prioritizing trade-offs, and making sound product decisions under uncertainty.
• Communication & Presentation — clear, persuasive communicator able to present complex ideas to technical and non-technical audiences at all organizational levels.
• User-Centric Mindset — deep empathy for users, commitment to understanding their needs, and passion for delivering exceptional user experiences.
• Collaboration & Influence — proven ability to work effectively across functions, build consensus, and drive alignment in matrixed environments.

Minimum Qualifications, Knowledge and Experience

Academic & Professional

• Bachelor's degree in Business, Economics, Computer Science, Engineering, Information Systems, or related field.
• Professional certification in Product Management (e.g., Certified Product Manager, Product Management Certificate) is strongly preferred.
• Certification or training in Agile/Scrum methodologies is an added advantage.

Experience

• Minimum 4–6 years in digital product management, fintech, proptech, or digital banking — with demonstrable experience launching and scaling digital products.
• Proven track record of managing partnerships with mobile operators, payment platforms, or technology vendors.
• Experience working with core banking systems, API integrations, and multi-platform ecosystems.
• Background in agile product development with cross-functional teams (engineering, design, business, compliance)
• Experience in housing finance, real estate technology, or financial services innovation is highly desirable.