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17 hours ago
Location: Blantyre
Job Type: Full-time
Job Purpose
To manage and develop the Company’s digital lending product portfolio, ensuring loan products are well-designed, competitively positioned, compliant, and responsive to customer needs and market conditions.
Job Summary
- Employer: Swift Digital Finance
- Job Type: Full-time
- Location: Blantyre, Malawi
- Category: Finance
- Closing Date: 2026-10-08
Key Responsibilities
- Manage the end-to-end lifecycle of digital loan products, from design and pricing through to launch, monitoring, and review.
- Analyze loan product performance (uptake, repayment, profitability, and default rates) and recommend adjustments to improve outcomes.
- Work with Credit, Risk, and Collections to ensure loan products are structured within acceptable risk parameters.
- Develop and refine loan product terms, pricing, and eligibility criteria in line with market research, customer feedback, and business objectives.
- Collaborate with IT and the digital lending platform team to ensure products are correctly configured and functioning as intended.
- Monitor competitor loan products and market trends to identify opportunities for new products or product improvements.
- Support the preparation of business cases and documentation for new product approval, including regulatory considerations.
- Prepare regular product performance reports for management, highlighting key metrics, risks, and recommendations.
- Ensure loan products comply with relevant regulatory requirements, including those set by the Reserve Bank of Malawi (RBM).
- Act as the primary point of contact for loan product-related queries from internal teams and partners.
- Build and maintain relationships with key clients and borrower segments to understand their needs, gather feedback, and identify opportunities to improve loan products.
- Engage directly with clients to address product-related concerns, gather satisfaction feedback, and support resolution of escalated issues affecting the borrower experience.
- Achieve agreed disbursement and collection targets for loan products, working closely with the Sales, Credit teams to drive performance and address shortfalls promptly.
Requirements
- Bachelor’s Degree in Finance, Business Administration, Economics, or a related field.
- Experience in loan product management, credit, or lending operations within microfinance, digital lending, banking, or fintech is an advantage.
- Strong analytical skills, with the ability to interpret loan performance data and translate it into actionable recommendations.
- Understanding of digital lending processes, loan management systems, and API-based integrations.
- Good knowledge of relevant regulatory requirements governing lending products.
- Strong communication and stakeholder management skills, with the ability to work across Credit, Risk, IT, and Collections.
- Detail-oriented, with strong documentation and reporting skills.
- Strong client management and engagement skills, with a customer-centric approach to gathering feedback and resolving concerns.
- Experience in conducting markert research including competitor analysis to inform loan product design, pricing, and positioning decisions.
How to Apply
Apply by email: loans@swiftcapital.mw
Frequently Asked Questions
What qualifications or education do I need to become a Loans Product Officer at a digital finance company in Malawi?
Most employers require a minimum of a Diploma in Banking, Finance, Accounting, or Business Administration from a recognized institution like MUBAS or UNIMA. A Bachelor's degree is often preferred, especially for career advancement. Professional certifications such as ACCA, CIMA, or banking qualifications from the Institute of Bankers in Malawi strengthen your application.
What are the typical day-to-day responsibilities of a Loans Product Officer?
You will design and manage loan products, analyze customer data to assess credit risk, and monitor portfolio performance using digital platforms. Daily tasks include collaborating with IT teams to improve mobile lending systems, ensuring compliance with Reserve Bank of Malawi regulations, and preparing reports for senior management. You may also train branch staff or agents on product features and digital tools.
How does work culture in Malawian digital finance companies typically operate?
Expect a fast-paced, target-driven environment with emphasis on meeting key performance indicators like loan disbursement volumes and repayment rates. Hierarchical structures are common, with strong respect for senior management and formal communication channels. Punctuality and professionalism are valued, though flexibility may exist in fintech startups compared to traditional banks.
What career progression opportunities exist for Loans Product Officers in Malawi?
With experience, you can advance to Senior Product Officer, Product Manager, or Head of Digital Lending within three to five years. Some professionals transition into risk management, business development, or executive roles like Chief Operations Officer. Building expertise in data analytics and fintech innovation significantly accelerates promotion prospects.
What benefits are typically offered for this role in Malawi?
Standard packages usually include annual leave as mandated by Malawi labor laws, medical aid or health insurance, and pension contributions through NICO or other registered schemes. Some employers provide performance bonuses, airtime allowances, or transport subsidies. Benefits vary considerably between established banks and emerging fintech companies.
How should I apply and what do Malawian employers look for in candidates?
Apply through company websites, job portals like MyJobo or LinkedIn, or by submitting CVs directly to HR departments in Lilongwe or Blantyre. Employers prioritize candidates with proven experience in microfinance or digital lending, strong Excel and data analysis skills, and knowledge of mobile money platforms like Airtel Money or TNM Mpamba. Demonstrating understanding of local market conditions and customer behavior in rural and urban Malawi strengthens your application.