Director, Digital Business and Channels

Explore employment opportunities with FINCA Impact Finance.

FINCA Impact Finance believes all people should have the opportunity to leverage their wisdom, talent and effort to determine their own destiny. Our worldwide network of full-service banks and microfinance institutions are grounded in the conviction that inclusive finance is critical to bringing people out of poverty. FINCA sets standards for the microfinance industry, constantly innovating and developing new products and services that help our customers achieve their dreams.

Millions of entrepreneurs rely on FINCA's commitment to customer protection and an unmatched customer experience to build a better future for themselves, their families, and their communities.

FINCA Impact Finance's global network of microfinance institutions and banks provides responsible financial services and enables low-income entrepreneurs and small business owners to invest in their future. With 40 years of experience and a mostly local staff of nearly 5,000, FINCA delivers a double bottom line of social impact and profitability. We hire people from a wide variety of backgrounds at all career stages to fully connect with our customers and strengthen the institution.

FINCA expects employees to personify our values of transparency, active listening, accountability, and respect. Successful candidates will embrace our brand attributes of warmth, trust, and responsible banking, and possess a commitment to collaboration, service, and inclusivity.

Role Purpose

The Director, Digital Business and Channels is responsible for developing and overseeing FINCA Impact Finance's digital business and channel portfolio across the network. The role will ensure that digital products, services, channels and partnerships respond to clear customer needs, have sound commercial and risk fundamentals, and deliver measurable business value.

The Director will provide group-level leadership for digital lending, digital savings and deposits, payments, transfers, agency banking, mobile and internet banking, digital onboarding, self-service channels and other partner-enabled financial services. The role will act as the business owner and principal relationship lead for fintechs, mobile network operators, payment providers, aggregators and other strategic digital vendors.

The Director, Digital Business and Channels reports to the COO and will work closely with subsidiary management and the global Operations, Sales, Marketing, Credit Risk, Data, Finance, Legal, Risk and Technology teams. S/he will collaborate with FINCA International's Lab, the 361 Team and other innovation teams, while representing FIF's commercial and operational interests and ensuring that approved concepts and technology capabilities translate into sustainable, well-managed business services.

Primary Accountabilities

• In collaboration with the COO and core business leadership, develop and maintain FIF's digital business and channels strategy and a prioritized roadmap aligned with the company's strategic objectives and subsidiary business plans,
• Provide group-level leadership and portfolio oversight for digital lending, digital savings and deposits, payments, transfers, agency banking, mobile and internet banking, digital onboarding, self-service channels and other partner-enabled financial services,
• Lead the business design and lifecycle management of digital products and services, from customer need and business case through pilot, rollout, performance review, improvement and, where necessary, discontinuation,
• Serve as the primary group contact to review and approve, within delegated authority, subsidiary proposals to introduce or materially change digital products, services, channels or partnerships before launch. Where formal approval rests with GLT, a subsidiary Board of Directors or a regulator, provide the required group-level recommendation,
• Ensure that each proposed digital product, service, channel or partnership has a clear target customer, value proposition, business case, pricing and product economics, risk assessment, operating model, technology approach, implementation plan and accountable local owner,
• Serve as FIF's business relationship owner for strategic fintechs, mobile network operators, payment providers, aggregators and other digital vendors operating across or materially affecting FIF subsidiaries,
• Lead or support commercial negotiations, contract renewals and partner performance reviews in collaboration with Legal, Procurement, Finance, Risk, Technology and subsidiary management. Ensure that pricing, revenue-sharing arrangements, customer ownership, data rights, service levels, partner responsibilities, renewal terms and exit provisions protect FIF's interests,
• Maintain a consolidated inventory of material digital products, services, channels and partnerships, including their cost, contractual obligations, commercial performance, service quality, renewal dates, dependencies and risks, and initiate corrective action,…