Job description
VACANCY ANNOUNCEMENT@ SWIFT DIGITAL FINANCE
POSITION: LOANS PRODUCT OFFICER
Location: Blantyre
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 application service
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).Lilongwe job postings
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.
Key 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.
Key KPIs
Loan product uptake and growth
Loan product profitability and repayment performance
Turnaround time for product reviews and enhancements
Accuracy and timeliness of product performance reporting
Client satisfaction and engagement levels with loan products
HOW TO APPLY
Interested candidates should submit a cover letter, detailed CV, and copies of relevant certificates not later than 8th October 2026 to loans@swiftcapital.mw.