Product Owner, Financing Products

Job description

ABOUT THE COMPANY Mogo Kenya is revolutionizing financial access. By offering a dynamic suite of products that includes boda-boda financing, car logbook loans, and smartphone loans, we leverage a nationwide network of 90+ branches to put capital into the hands of traditionally underserved communities. Backed by Eleving Group, a global fintech spanning Europe, Africa, and Asia we are on a mission to drive sustainable financial inclusion. This is an exciting time to join. We move fast, think big, and give real ownership to the people who drive our growth. If you want to build and scale financial products that change lives, this is the place to do it. ABOUT THE ROLE Mogo Kenya is expanding its financing products — including boda-boda, logbook, and smartphone loans — across a growing network of 90+ branches and digital channels. As we continue to scale, we're looking for ambitious, execution-driven Product Owners to take ownership of products that directly impact customer growth and business performance. This is a hands-on role where you'll own the full lifecycle of a lending product, from shaping its design, pricing, eligibility criteria, customer journey, and unit economics to driving go-to-market execution through both digital marketing and in-branch campaigns. You'll work closely with cross-functional teams to continuously test, optimize, and improve product performance based on customer insights and commercial results. Designed as a fast-track career opportunity, this role is ideal for high-potential individuals who thrive in fast-paced environments, enjoy solving commercial problems, and want to build leadership experience early. Success is measured by your ability to execute, learn quickly, and deliver tangible business outcomes, with a clear pathway into product leadership and management. Reporting directly to the Country Director, you'll have significant ownership from day one and the opportunity to help shape products used by thousands of customers across Kenya. WHAT YOU WILL DO 1. Product Ownership & Development - Own the product end to end. It's design, pricing, terms, eligibility, customer journey and overall economics. - Continuously analyze customer needs and market data to create and refine the product so it stays competitive and relevant. - Define and prioritize the product roadmap; translate business goals into clear requirements for delivery teams. - Identify and launch new business lines, segments and product variations to open additional growth. 2. Growth & Scaling Issuances - Take full responsibility for scaling the product growing issuance volumes and portfolio within agreed budget and risk appetite. - Build and develop new client-acquisition channels (digital, branch, partner, agent and referral). - Drive both new client acquisition and up-sale / cross-sell to existing customers. - Improve the end-to-end sales funnel and conversion, removing friction across the customer journey. 3. Marketing & Communication - Own the full marketing plan for the product, from strategy through to execution and results. - Develop and oversee all content across channels - digital, social, print and offline / in-branch. - Initiate campaigns, promotions and special offers to keep issuances on plan and respond to market conditions. - Manage the marketing budget for the product and optimize spend against acquisition cost and return. 4. Cross-functional Leadership & Process Improvement - Lead IT and digital projects that improve product presentation, the sales funnel and operational efficiency. - Work closely with risk, credit, operations, sales and finance to balance growth with portfolio quality. - Generate and implement ideas to improve branches, shops and other customer touchpoints. 5. Performance & Accountability - Define, track and act on KPIs for product growth, customer acquisition, conversion, retention and profitability. - Use data and customer insight to make decisions, run experiments and report on performance to leadership. - Bring a growth mindset think big, take responsibility and own outcomes end to end. WHAT YOU HAVE Must-Haves (Required) - Bachelor’s degree in business, marketing, finance, economics or a related field. - 4+ years of experience in product management, product ownership, product marketing or commercial roles - ideally in financial services, fintech, lending or a related consumer-facing industry. - Proven track record of growing a product, channel or P&L (e.g. growth in sales, issuances or revenue). - Experience owning marketing plans and campaigns across digital and offline channels. - Comfortable working with data and analytics tools to track performance and inform decisions. - Experience leading or coordinating IT/digital development projects (Agile / product-owner experience is an advantage). - Lending, credit or loan-product experience is a strong plus. Preferred - Strong ownership and accountability: treats the product as their own business. - Commercial and analytical: comfortable with data, unit economics and KPIs. - Growth mindset: ambitious, willing to think big and test new ideas. - Cross-functional leadership: influences and aligns teams without direct authority. - Customer centric: builds products and campaigns around real customer needs. - Execution focused: turns strategy into shipped results, fast. - Clear communicator: strong stakeholder management and reporting. WHAT WE OFFER - An excellent well-being program: - Health insurance (after probation period) - Pension scheme (after probation period) - Active social life and events - Bonuses and awards for the great work