Growth Lead, Consumer at NCBA Group

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.