About the Role

We are seeking an experienced Agri Digital Lending Specialist to support a leading mobile money and digital finance platform in Tanzania. This role will focus on developing, implementing, and managing digital lending products tailored to the agricultural sector , with the goal of improving access to financial services for farmers, agri-SMEs, and value chain participants.

• Designing innovative digital loan products that meet the needs of smallholder farmers, cooperatives, and agribusinesses
• Collaborating with financial institutions, agritech firms, and microfinance organizations to expand digital lending reach
• Conducting market research and customer behavior analysis to inform product development and performance improvement
• Ensuring all digital lending initiatives comply with regulatory standards and internal policies

Key Responsibilities

1. Product Development & Execution

• Develop, execute, and manage the adoption strategy for agricultural digital lending products
• Design products based on sector research, business case development, and user insights
• Ensure penetration across different agricultural value chains including smallholder farmers, cooperatives, and agribusinesses
• Provide analytical insights and reports on product performance to guide strategic decisions

2. Product Roadmap & Innovation

• Innovate and develop new Agri Digital Loan products aligned with market demands and digital lending ambitions
• Continuously review and enhance current loan offerings to improve customer experience and profitability
• Drive product enhancements as part of the strategic roadmap

3. Stakeholder Engagement

• Build and maintain strong relationships with banks, agritech companies, cooperatives, and other stakeholders
• Support the Lending Manager in business negotiations to achieve organizational goals
• Collaborate with cross-functional teams to ensure smooth product rollout and client engagement

4. Business Intelligence & Market Insights

• Analyze customer behavior and loan performance data to provide actionable insights
• Conduct field surveys and market research to understand financing needs and gaps
• Develop customer engagement strategies to increase awareness and usage of digital lending products
• Integrate with Customer Value Management (CVM) platforms to enhance targeting and product usage
• Deliver timely market intelligence and competitor feedback

5. Compliance & Risk Management

• Ensure all digital lending products align with regulatory frameworks governing agricultural finance and digital lending
• Monitor and implement updates based on financial service regulations
• Support risk compliance and regulatory approvals for new and existing products

Qualifications & Requirements

Education:

• Bachelor’s degree in Agribusiness, Finance, Economics, Business Administration , or a related field
• Master’s degree preferred

Experience:

• Minimum 3 years of experience in digital lending, agricultural finance, fintech, or mobile financial services
• Proven experience working with digital platforms, credit risk models , and mobile money ecosystems
• Demonstrated ability to build and manage strategic partnerships with banks, Agri-Tech firms, and cooperatives
• Strong knowledge of local markets and customer needs in rural and semi-urban areas
• Familiarity with mobile money systems, Fintech platforms, and digital credit tools

Skills & Competencies:

• Advanced Microsoft Excel and PowerPoint
• Strong analytical skills and conceptual thinking
• Excellent problem-solving abilities and business acumen
• Passion for driving innovation in mobile money growth and financial inclusion
• Self-motivated with excellent communication, presentation, and interpersonal skills
• Deep understanding of agricultural value chains and financial inclusion strategies

Working Conditions

• Office-based with occasional field visits to assess impact and gather insights
• Fast-paced environment requiring adaptability and initiative
• Collaboration with internal and external stakeholders including tech teams, compliance officers, and partner organizations

Performance Metrics (KPIs)

• Product performance reports and analytics
• Farmer and SME loan uptake and repayment rates
• Market expansion and outreach to underserved regions
• Stakeholder satisfaction from partners and internal teams
• Compliance with financial and regulatory standards