Growth Lead, Consumer

About

NCBA Digital Business is seeking a senior commercial leader to define and deliver the consumer portfolio growth strategy across lending and savings, including M-Shwari and Fuliza. The role has end-to-end commercial accountability for acquisition, engagement, retention, monetisation, P&L performance, and cross-functional delivery. Number of posts: 1. Reference: 4163.

How to apply

Apply online through the official advert page on NCBA Group's SuccessFactors career portal.

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Responsibilities

• Own the P&L portfolio, accountable for revenue, costs, and profitability against approved budgets.
• Lead annual and quarterly planning, including budgeting, forecasting, and scenario analysis.
• Drive profitability levers — pricing, product performance, customer value, and cost efficiency — through prioritised initiatives.
• Sponsor and govern the investment roadmap, ensuring disciplined spend and measurable returns.
• Own performance reporting, translating results into actions and escalating material variances.
• Develop and present business cases to senior forums, remaining accountable for approved outcomes.
• Own the customer growth agenda across acquisition, onboarding, activation, engagement, retention, and reactivation.
• Set customer goals and success metrics, ensuring initiatives are prioritised and tracked accordingly.
• Lead experience improvements through research, analytics, and structured testing to drive conversion and satisfaction.
• Develop proposition enhancements that improve customer value while maintaining responsible outcomes.
• Build and maintain strategic relationships supporting growth and consistent service delivery.
• Represent the customer in cross-functional forums, providing performance narratives and advocating for change.
• Establish a clear growth operating rhythm across planning, prioritisation, execution, and performance review.
• Lead cross-functional delivery of priority initiatives, actively managing timelines, dependencies, and outcomes.
• Partner with risk, credit, and compliance teams to ensure initiatives meet governance requirements.

Qualifications

• 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.
• 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.