Job Title: Associate, Product Development and Planning
\nLocation: Addis Abeba
\nDepartment: Shariah Financial Solutions Office
\nReports To: Manager, Product Development and Planning
\nAbout Kifiya:
\nKifiya is an AI-powered financial and market infrastructure company advancing inclusive economic growth across Africa. We design and deploy risk decisioning systems, intelligent financial infrastructure, and market linkage platforms that unlock credit, insurance, payments, and capital access for MSMEs and smallholder farmers. We build the AI, data, and financial infrastructure that helps financial institutions serve hard-to-finance segments at scale.
\nBusiness Unit Description
\nThe Chief Shariah Financial Solutions Office (CSFSO) is responsible for designing, governing, and scaling Kifiya\u2019s Shari\u2019ah-compliant financial infrastructure and ecosystem platforms. The Office develops digitally enabled Islamic financial solutions that allow partner financial institutions, marketplaces, and ecosystem actors to deploy Shariah compliant, asset-backed, and ethically structured financing at scale. Leveraging Kifiya\u2019s AI technology platforms, the Office structures and commercializes Shari\u2019ah-compliant financial products and market solutions across areas such as SME and supply-chain finance, asset and device financing, embedded finance, marketplace ecosystems, and emerging Takaful and Islamic capital market instruments.
\nThe Office also institutionalizes the governance frameworks, financial structuring capabilities, and market infrastructure required to support the sustainable growth of Islamic finance within Kifiya\u2019s ecosystem. By integrating Shari\u2019ah governance, aligning with international standards such as AAOIFI and IFSB, and enabling ecosystem-wide deployment, the Office advances inclusive financial access and scalable Shari\u2019ah-compliant financing solutions for SMEs, agricultural value chains, women and youth enterprises, and digital marketplace participants.
\nPosition Summary
\nThe Associate, Product Development & Planning supports the design, analysis, documentation, and implementation of Shari\u2019ah-compliant financial products across the Chief Shariah Financial Solutions Office ecosystem.
\nThe role assists in translating Islamic financial structures into operational product frameworks that can be deployed across partner institutions and digital platforms. This includes supporting financial structuring, preparing product documentation, conducting research on Islamic finance models, and assisting in product performance monitoring.
\nWorking closely with the Manager, Product Development & Planning, the Associate contributes to ensuring that financial products maintain Shari\u2019ah compliance, operational feasibility, digital integration, and commercial sustainability.
\nKey Responsibilities
\n Product Structuring Support
\n\u2022 Assist in the development and refinement of Shari\u2019ah-compliant financial products including Murabaha, Ijarah, Salam, Musharakah, and Wakalah structures.
\n\u2022 Support preparation of product concept notes, financial models, and structuring proposals.
\n\u2022 Contribute to the development of standardized contract templates and operational documentation.
\n\u2022 Ensure that product structures align with Shari\u2019ah principles and approved jurisprudential rulings.
\nFinancial Analysis and Modeling
\n\u2022 Conduct financial analysis supporting product pricing, profitability projections, and portfolio performance scenarios.
\n\u2022 Assist in modeling profit rate structures and cost components for Islamic financing products.
\n\u2022 Support evaluation of capital utilization efficiency and product sustainability.
\nProduct Documentation and Operational Frameworks
\n\u2022 Prepare product manuals, operational procedures, and product rollout documentation.
\n\u2022 Assist in drafting transaction workflows covering origination, asset purchase validation, profit realization, and collections.
\n\u2022 Maintain structured product documentation and compliance records.
\nResearch and Market Intelligence
\n\u2022 Conduct research on global Islamic finance practices, emerging product structures, and regulatory developments.
\n\u2022 Analyze market trends and competitor products within Islamic banking and fintech ecosystems.
\n\u2022 Support benchmarking of product structures against international standards such as AAOIFI and IFSB.
\nDigital Product Integration Support
\n\u2022 Assist in translating financial product logic into functional requirements for digital platform implementation.
\n\u2022 Work with technology teams to ensure Shari\u2019ah-compliant transaction workflows are properly embedded within system architecture.
\n\u2022 Support testing of product workflows during system development and deployment.
\nShari\u2019ah Governance and Compliance Support
\n\u2022 Assist in preparing documentation required for Shari\u2019ah committee product reviews.
\n\u2022 Maintain records of Shari\u2019ah rulings, product certifications, and compliance documentation.
\n\u2022 Support internal Shari\u2019ah audit preparation and follow-up on compliance recommendations.
\nProduct Performance Monitoring
\n\u2022 Assist in tracking performance indicators across deployed products including:
\no financing volume
\no portfolio at risk
\no profit realization
\no product adoption
\n\u2022 Support preparation of product performance dashboards and analytical reports.
\nKey Outputs
\n\u2022 Product research and financial structuring analysis
\n\u2022 Standardized product documentation and templates
\n\u2022 Product rollout documentation and operational procedures
\n\u2022 Financial models supporting product pricing and profitability
\n\u2022 Shari\u2019ah compliance documentation and audit support
\n\u2022 Product performance analysis and reporting<\/p>\n
About You<\/p>\n
Qualifications and Experience
\n Education
\n\u2022 Bachelor\u2019s degree in Finance, Economics, Islamic Finance, Business Administration, or related discipline.
\n\u2022 Professional training in Islamic Finance is an advantage.
\nExperience
\n\u2022 Minimum 3 years of experience in Islamic banking, financial product development, fintech, or financial analysis.
\n\u2022 Exposure to Islamic financial contracts such as Murabaha, Ijarah, Salam, or Wakalah is desirable.
\n\u2022 Experience supporting financial modeling, product documentation, or research activities.
\nCore Competencies
\n Technical Competencies
\n\u2022 Understanding of Islamic finance principles
\n\u2022 Financial analysis and modeling
\n\u2022 Product documentation and process design
\n\u2022 Research and market intelligence
\nProfessional Competencies
\n\u2022 Strong analytical and problem-solving capability
\n\u2022 Attention to detail and documentation discipline
\n\u2022 Ability to translate financial concepts into operational frameworks
\n\u2022 Effective written and verbal communication skills
\nBehavioral Competencies
\n\u2022 Intellectual curiosity and continuous learning
\n\u2022 Collaboration across cross-functional teams
\n\u2022 High ethical integrity and governance awareness<\/p>\n","protected":false},"author":2,"featured_media":0,"template":"","meta":{"_promoted":"","_job_location":"","_application":"","_company_name":"Kifiya Financial Technologies","_company_website":"","_company_tagline":"","_company_twitter":"","_company_video":"","_filled":0,"_featured":0,"_remote_position":0,"_job_salary":"","_job_salary_currency":"","_job_salary_unit":""},"job_listing_region":[11],"job-categories":[],"job-types":[12],"class_list":{"0":"post-2385","1":"job_listing","2":"type-job_listing","3":"status-expired","4":"hentry","5":"job_listing_region-ethiopia","7":"job-type-full-time"},"jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/jobs.dataaxisnode.com\/ethiopia\/wp-json\/wp\/v2\/job-listings\/2385","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/jobs.dataaxisnode.com\/ethiopia\/wp-json\/wp\/v2\/job-listings"}],"about":[{"href":"https:\/\/jobs.dataaxisnode.com\/ethiopia\/wp-json\/wp\/v2\/types\/job_listing"}],"author":[{"embeddable":true,"href":"https:\/\/jobs.dataaxisnode.com\/ethiopia\/wp-json\/wp\/v2\/users\/2"}],"wp:attachment":[{"href":"https:\/\/jobs.dataaxisnode.com\/ethiopia\/wp-json\/wp\/v2\/media?parent=2385"}],"wp:term":[{"taxonomy":"job_listing_region","embeddable":true,"href":"https:\/\/jobs.dataaxisnode.com\/ethiopia\/wp-json\/wp\/v2\/job_listing_region?post=2385"},{"taxonomy":"job_listing_category","embeddable":true,"href":"https:\/\/jobs.dataaxisnode.com\/ethiopia\/wp-json\/wp\/v2\/job-categories?post=2385"},{"taxonomy":"job_listing_type","embeddable":true,"href":"https:\/\/jobs.dataaxisnode.com\/ethiopia\/wp-json\/wp\/v2\/job-types?post=2385"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}