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.
This position plays a key role in:
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
Location: Dar es Salaam, Tanzania
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