Product Owner- Debt Collection at Mogo Finance

We are looking for a Product Owner- Debt Collection to lead initiatives that improve the efficiency, scalability, and technological capabilities of our debt collection operations in Kenya. This rle sits at the intersection of operations, technology, and product development, and focuses on implementing systems, processes, and tools that help collection teams perform more effectively.

You will manage high-impact projects, coordinate cross-functional teams, and ensure new solutions are successfully deployed and integrated into day-to-day operations.

The successful candidate will also act as a Project Owner ,during development phases, helping translate operational needs into technology solutions and ensuring smooth implementation before transitioning them to operational teams.

Product Ownership (Primary Focus)

Drive product discovery and problem framing

• Translate business goals, operational challenges, and user pain points into clear product problems worth solving.
• Conduct research, gather insights from collections teams, and validate assumptions before defining solutions.

Define high-qualityproduct requirements

• Create structured product requirements, user stories, acceptance criteria, and workflows grounded in user needs and business impact.
• Collaborate closely with development teams, data, and design teams to ensure clarity and shared understanding.

Prioritize with product strategy and discipline

• Maintain a transparent, value-driven product backlog.
• Make trade-offs based on strategic alignment, customer value, technical feasibility, and resource constraints—not urgency or noise.

Lead delivery from build to rollout

• Support development throughout implementation by clarifying requirements, answering questions, managing scope, and removing blockers.
• Oversee QA, testing, release readiness, and ensure delivered solutions meet intended product outcomes.

Measure impact and iterate

• Define success metrics at the start of each initiative.
• Analyze post-release performance, gather feedback, and use data evidence to refine or extend product improvements.

Operational Process & Experience Improvements

Shape efficient, scalable processes for collections operations

• Identify operational bottlenecks and define opportunities where technology, automation, and improved workflows can drive meaningful efficiencies.
• Re-design processes to align with product improvements and ensure strong adoption by end-users.

Embed automation and data-driven decision-making

• Work with data teams to leverage insights that enhance portfolio monitoring, agent productivity, and case tracking.
• Drive the introduction of automation tools that improve speed, accuracy, and consistency across collections activities.

Cross-Functional Alignment & Change Management

Partner deeply with stakeholders

• Collaborate with operations, IT, finance, risk, and external partners to ensure shared understanding of problems, priorities, and outcomes.
• Facilitate alignment during discovery, development, and rollout phases.

Ensure smooth operational adoption

• Develop transition plans, training materials, and rollout strategies that ensure new tools and processes are successfully embedded into daily operations.
• Gather user feedback and convert it into actionable enhancements.

Data & Performance Insights

Monitor KPIs and evaluate product performance

• Track operational metrics, user adoption, and system efficiency to assess how solutions affect collections outcomes.
• Use data insights to identify further opportunities for optimization or new product initiatives.

What you will need:

•  3+ years of experience in product ownership, product management, operations improvement, or debt collection.
• Experience working with technology teams or digital products.
• Strong organizational and problem-solving skills.
• Ability to manage multiple complex projects simultaneously.
• Excellent stakeholder management and communication skills.
• Data-driven mindset with the ability to translate insights into operational improvements.