Kifiya Financial Technology vacancy

Department: Shariah Financial Solutions Office

Reports To: Director, Ecosystem and Market Enablement Platforms

About Kifiya:

Kifiya 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.

Position Summary

The Manager, Growth & Market Enablement is responsible for driving adoption, commercial activation, and scalable market expansion of Shari’ah-compliant financial solutions across Halal Gebeya and partner ecosystems.

The role serves as the demand engine of the ecosystem, ensuring that financial products, Takaful solutions, and capital structures are actively utilized across MSMEs, agricultural value chains, cooperatives, and institutional partners.

The Manager translates platform capabilities into transaction volume, revenue growth, and market penetration through structured acquisition strategies, institutional activation, and embedded finance deployment.

Key Responsibilities

Growth Strategy and Commercial Planning

• Develop and execute a multi-year growth strategy for Shari’ah-compliant financing and Takaful solutions.
• Define priority customer and ecosystem segments including:
o MSMEs and merchants
o Agricultural cooperatives and smallholder farmers
o Ethical finance and underserved segments
o Institutional Islamic banking windows
• Align growth plans with capital deployment strategy, product pipelines, and platform capacity.
• Set quarterly and annual targets aligned with revenue, disbursement, and adoption KPIs.

User Acquisition and Channel Expansion

• Design and scale acquisition strategies across:
o Digital channels and campaigns
o Agent and field networks
o Cooperative and association-based channels
o Institutional partner referrals
o Embedded finance integrations
• Drive onboarding growth across MSMEs, farmers, cooperatives, and individual users.
• Optimize acquisition funnels, conversion rates, and onboarding efficiency.
• Improve customer lifetime value while reducing cost of acquisition.

Institutional Activation and Commercial Rollout

• Partner with Institutional Partnership Managers to activate signed institutions into live production.
• Support product pilots, phased rollouts, and go-to-market execution.
• Ensure commercial activation of:
o Islamic financing products
o Takaful bundles
o Embedded finance solutions
o Asset and agricultural financing programs
• Monitor partner-level performance and ensure revenue realization.

Market Education and Ecosystem Enablement

• Lead financial literacy and awareness initiatives focused on Shari’ah-compliant finance.
• Develop market-facing educational content explaining:
o Risk-sharing principles
o Profit rate mechanisms
o Asset-backed financing structures
o Takaful protection models
• Support institutional partner training and onboarding programs.
• Strengthen market trust, credibility, and understanding of Islamic finance offerings.

Embedded Finance and Value Chain Expansion

• Identify and prioritize high-impact value chains for embedded Shari’ah finance.
• Design bundled solutions integrating financing and Takaful within:
• Agricultural supply chains
• Asset and device distribution networks
• Marketplace transactions
• Cooperative ecosystems
• Drive deep penetration of financial services into real economic flows.

Performance Management and Commercial Optimization

• Track and manage key growth and commercial KPIs including:
• User acquisition and activation
• Financing disbursement volumes
• Takaful attachment rates
• Active institutional partners
• Revenue generation and yield performance
• Market penetration rates
• Develop dashboards and performance reports for leadership visibility.
• Use analytics to refine segmentation, pricing positioning, and distribution strategies.

Cross-Functional Execution Alignment

• Coordinate closely with:
• Manager, Marketplace Platform
• Manager, Product Development & Planning
• Manager, Takaful Solutions
• Manager, Islamic Capital Market & Investment Solutions
• Institutional Partnership Managers
• Risk, Analytics, and Technology teams
• Ensure synchronized execution across product, platform, capital, and distribution layers.

Regulatory Awareness and Market Intelligence

• Monitor regulatory developments affecting Islamic finance and digital platforms.
• Identify emerging opportunities across Ethiopian and regional markets.
• Benchmark growth strategies against leading Islamic fintech and ecosystem models.
• Recommend expansion strategies into new segments and geographies.

Key Outputs

• Growth in active users and ecosystem participants
• Increased financing disbursement volumes across platforms
• Higher Takaful adoption and attachment rates
• Successful activation and revenue contribution of institutional partners
• Reduced acquisition costs and improved customer lifetime value
• Expansion into priority value chains and underserved segments
• Strengthened market awareness and credibility of Islamic finance solutions

• Bachelor’s degree in Business, Finance, Economics, Marketing, or related field.
• Master’s degree preferred.
• Exposure to Islamic Finance is advantageous.

Experience

• Minimum 8 years of experience in fintech growth, financial services commercialization, ecosystem expansion, or embedded finance.
• Proven track record in driving product adoption and scaling digital platforms.
• Strong experience in institutional activation and commercial rollout.
• Experience in emerging markets and infrastructure-led environments is preferred.
• Familiarity with Islamic finance concepts is highly desirable.

Business Unit Description

The Chief Shariah Financial Solutions Office (CSFSO) is responsible for designing, governing, and scaling Kifiya’s Shari’ah-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’s AI technology platforms, the Office structures and commercializes Shari’ah-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.

The Office also institutionalizes the governance frameworks, financial structuring capabilities, and market infrastructure required to support the sustainable growth of Islamic finance within Kifiya’s ecosystem. By integrating Shari’ah governance, aligning with international standards such as AAOIFI and IFSB, and enabling ecosystem-wide deployment, the Office advances inclusive financial access and scalable Shari’ah-compliant financing solutions for SMEs, agricultural value chains, women and youth enterprises, and digital marketplace participants.

Position Summary

The Manager, Islamic Capital Market & Investment Solutions is responsible for structuring, mobilizing, and managing Shari’ah-compliant capital across Kifiya’s financial ecosystem.

The role leads the development of Islamic capital formation instruments including Sukuk, Wakalah investment pools, Shari’ah-compliant securitization structures, and blended finance vehicles that channel institutional and impact capital into MSME, agricultural, asset financing, and Takaful portfolios.

The Manager serves as the capital architecture function of the Shari’ah Financial Solutions platform, ensuring that financing activities are supported by sustainable, compliant, and scalable capital structures aligned with global Islamic finance standards and local regulatory frameworks.

Key Responsibilities

Islamic Capital Structuring and Financial Engineering

• Design and structure Shari’ah-compliant capital instruments including:
o Sukuk (asset-backed and asset-based)
o Wakalah investment pools
o Mudarabah and Musharakah investment vehicles
o Receivables securitization structures
o Green and climate-focused Islamic finance instruments
• Ensure genuine asset linkage, risk-sharing principles, and Shari’ah compliance in all structures.
• Develop term sheets, transaction structures, and documentation frameworks.
• Coordinate with legal advisors to ensure enforceability and regulatory alignment.

Sukuk Program Development

• Lead feasibility analysis and structuring of Sukuk issuance programs aligned with Kifiya’s financing portfolios.
• Develop asset-backed or receivables-based Sukuk models.
• Coordinate with regulators, rating agencies, trustees, and legal advisors.
• Prepare investor documentation including information memoranda and disclosures.
• Support pricing strategies and yield structuring aligned with market conditions.

Wakalah Liquidity and Investment Pool Management

• Design and manage Wakalah-based liquidity pools to fund financing activities.
• Define profit allocation methodologies, reserve structures, and expense frameworks.
• Align liquidity planning with portfolio growth projections.
• Monitor pool performance, utilization efficiency, and risk exposure.
• Ensure transparency in investor returns and reporting.

Institutional Capital Mobilization

• Engage and build relationships with:
o Islamic banks and financial institutions
o Development finance institutions (DFIs)
o Impact investors and funds
o Sovereign wealth funds and pension funds
• Develop and present Shari’ah-compliant investment propositions.
• Lead investor due diligence processes and capital negotiations.
• Structure capital participation agreements and funding frameworks.
• Build and maintain a pipeline of institutional capital partners.

Blended and Impact Islamic Finance Structuring

• Design Shari’ah-compliant blended finance models combining:
• Concessional capital
• Impact investment funds
• Zakat-aligned or social finance mechanisms
• Commercial capital
• Structure risk-sharing and risk-mitigation frameworks to support underserved segments.
• Enable catalytic capital deployment into MSMEs, agriculture, and inclusive finance sectors.

Integration with Financing Portfolios

• Align capital structures with financing portfolios across:
o MSME and working capital finance
o Agricultural Salam financing
o Asset and Ijarah-based financing
o Takaful-supported structures
• Ensure capital deployment discipline and alignment with portfolio risk tiers.
• Work with Risk and Analytics teams to monitor covenant compliance and portfolio performance.

Governance, Shari’ah Compliance and Regulatory Engagement

• Ensure all capital structures are certified by the Shari’ah governance function.
• Maintain compliance with AAOIFI, IFSB, and relevant regulatory frameworks.
• Support regulatory engagement for Islamic capital market approvals.
• Maintain documentation, audit trails, and governance logs for all capital instruments.

Capital Performance Monitoring and Reporting

• Track and report on:
o Capital mobilization volumes
o Yield performance and investor returns
o Capital utilization efficiency
o Covenant compliance
o Portfolio risk exposure
• Develop dashboards and reporting frameworks for executive and investor visibility.
• Ensure transparency and strong investor confidence through structured reporting.

Technology and Capital Infrastructure Integration

• Work with Technology teams to:
o Digitize Sukuk issuance and documentation workflows
o Automate profit distribution calculations
o Enable digital investor reporting
o Integrate asset tracking and compliance systems
• Ensure capital instruments are digitally trackable, scalable, and audit-ready.

Key Outputs

• Structured and operational Shari’ah-compliant capital vehicles
• Successful Sukuk program development and execution readiness
• Functional Wakalah liquidity pools supporting financing growth
• Increased institutional capital mobilization
• Strong investor reporting and governance compliance
• Efficient capital deployment aligned with portfolio performance
• Shari’ah-certified and audit-ready capital structures
• Scalable Islamic capital market infrastructure

Education

• Bachelor’s degree in Finance, Economics, Islamic Finance, Law, or related discipline
• Professional certifications in Islamic Finance (AAOIFI, CIFE, CISI Islamic Finance)
• Master’s degree preferred.

Experience

• Minimum 8 years of experience in capital markets, structured finance, Islamic banking, or investment management.
• Demonstrated experience in Sukuk structuring, Islamic investment vehicles, or structured finance transactions.
• Strong understanding of AAOIFI standards and Shari’ah governance frameworks.
• Experience engaging institutional investors and managing capital raising processes.
• Exposure to emerging markets, blended finance, or impact investment is highly desirable.

Position Summary

The Associate, Product Development & Planning supports the design, analysis, documentation, and implementation of Shari’ah-compliant financial products across the Chief Shariah Financial Solutions Office ecosystem.

The 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.

Working closely with the Manager, Product Development & Planning, the Associate contributes to ensuring that financial products maintain Shari’ah compliance, operational feasibility, digital integration, and commercial sustainability.

Key Responsibilities

Product Structuring Support

• Assist in the development and refinement of Shari’ah-compliant financial products including Murabaha, Ijarah, Salam, Musharakah, and Wakalah structures.
• Support preparation of product concept notes, financial models, and structuring proposals.
• Contribute to the development of standardized contract templates and operational documentation.
• Ensure that product structures align with Shari’ah principles and approved jurisprudential rulings.

Financial Analysis and Modeling

• Conduct financial analysis supporting product pricing, profitability projections, and portfolio performance scenarios.
• Assist in modeling profit rate structures and cost components for Islamic financing products.
• Support evaluation of capital utilization efficiency and product sustainability.

Product Documentation and Operational Frameworks

• Prepare product manuals, operational procedures, and product rollout documentation.
• Assist in drafting transaction workflows covering origination, asset purchase validation, profit realization, and collections.
• Maintain structured product documentation and compliance records.

Research and Market Intelligence

• Conduct research on global Islamic finance practices, emerging product structures, and regulatory developments.
• Analyze market trends and competitor products within Islamic banking and fintech ecosystems.
• Support benchmarking of product structures against international standards such as AAOIFI and IFSB.

Digital Product Integration Support

• Assist in translating financial product logic into functional requirements for digital platform implementation.
• Work with technology teams to ensure Shari’ah-compliant transaction workflows are properly embedded within system architecture.
• Support testing of product workflows during system development and deployment.

Shari’ah Governance and Compliance Support

• Assist in preparing documentation required for Shari’ah committee product reviews.
• Maintain records of Shari’ah rulings, product certifications, and compliance documentation.
• Support internal Shari’ah audit preparation and follow-up on compliance recommendations.

Product Performance Monitoring

• Assist in tracking performance indicators across deployed products including:
o financing volume
o portfolio at risk
o profit realization
o product adoption
• Support preparation of product performance dashboards and analytical reports.

Key Outputs

• Product research and financial structuring analysis
• Standardized product documentation and templates
• Product rollout documentation and operational procedures
• Financial models supporting product pricing and profitability
• Shari’ah compliance documentation and audit support
• Product performance analysis and reporting

Education

• Bachelor’s degree in Finance, Economics, Islamic Finance, Business Administration, or related discipline.
• Professional training in Islamic Finance is an advantage.

Experience

• Minimum 3 years of experience in Islamic banking, financial product development, fintech, or financial analysis.
• Exposure to Islamic financial contracts such as Murabaha, Ijarah, Salam, or Wakalah is desirable.
• Experience supporting financial modeling, product documentation, or research activities.

Position Summary

The Director, Ecosystem & Market Enablement Platforms leads the design, governance, scaling, and commercialization of Kifiya’s Shari’ah-compliant market infrastructure, anchored by the Halal Gebeya Digital Marketplace and related ecosystem platforms.

The role is responsible for building and scaling multi-sided digital ecosystems where Shari’ah-compliant financial solutions are deployed across MSMEs, agricultural value chains, asset distribution networks, and embedded finance channels.

The Director ensures that financial products and capital are effectively distributed, utilized, and monetized through scalable digital platforms, transforming Kifiya’s Shari’ah Financial Solutions into real economic activity.

Acting as the market engine of the CSFSO, the role bridges product development, institutional partnerships, capital solutions, and technology to drive adoption, transaction volume, and ecosystem growth.

Key Responsibilities

Ecosystem Strategy and Platform Architecture

• Define and lead the long-term strategy for Halal Gebeya and ecosystem platforms as the primary distribution infrastructure for Shari’ah-compliant financial solutions.
• Develop a multi-year ecosystem scaling roadmap covering:
o MSME and merchant onboarding
o Agricultural and value-chain integration
o Embedded finance enablement
o Marketplace financing deployment
o Cross-border scalability opportunities
• Position the platform as the trusted Islamic digital finance gateway in target markets.
• Ensure alignment with Kifiya’s Intelligent Financial Infrastructure and Capital Technology strategy.

Marketplace Governance and Platform Integrity

• Establish governance frameworks for marketplace operations including:
o Partner onboarding standards
o Institutional due diligence
o Compliance and verification protocols
o Service-level agreements
o User protection and transparency mechanisms
• Ensure Shari’ah-compliant product representation, pricing transparency, and documentation consistency.
• Build digital governance aligned with Shari’ah audit and regulatory requirements.

Ecosystem Integration and Partner Enablement

• Lead integration of ecosystem participants including:
o Financial institutions and Islamic banking windows
o Takaful providers
o Agribusiness and supply chain actors
o Device suppliers and distributors
o Cooperatives and community-based organizations
• Define and implement API and platform integration strategies with Kifiya’s infrastructure.
• Develop standardized onboarding and integration toolkits for institutional partners.
• Ensure seamless digital workflows across origination, underwriting, contract execution, and repayment.

User Acquisition and Market Development

• Design and scale onboarding frameworks for:
o MSMEs and merchants
o Smallholder farmers and cooperatives
o Individual users and micro-entrepreneurs
• Drive growth strategies including:
o Embedded finance deployment
o Agent network integration
o Digital acquisition campaigns
o Ecosystem cross-selling strategies
• Expand access to underserved and ethically aligned market segments.

Embedded Finance and Platform Monetization

• Lead the design and deployment of embedded Shari’ah-compliant finance within:
o E-commerce transactions
o Agricultural value chains
o Asset and device distribution ecosystems
o Cooperative and community platforms
• Define and optimize platform monetization models including:
o Transaction fees
o Revenue-sharing arrangements
o Integration and service fees
o Institutional platform licensing
• Drive marketplace profitability and sustainable revenue growth.

Technology and Infrastructure Alignment

• Work closely with Technology teams to ensure:
o Platform scalability and resilience
o Secure and compliant system architecture
o Digital contract management and traceability
o Asset tracking and financing integration
o Takaful and claims workflow integration
• Ensure interoperability with national digital infrastructure and financial systems.
• Champion a digital-first Shari’ah compliance architecture across all platforms.

Performance Management and Analytics

• Define and monitor platform KPIs including:
o Active users and merchants
o Institutional partners onboarded
o Financing disbursement volumes
o Transaction throughput
o Customer retention and engagement
o Capital velocity across ecosystems
• Build real-time dashboards for executive decision-making.
• Drive continuous optimization through data-driven insights.

Regulatory and Governance Alignment

• Ensure platform compliance with:
o Financial services regulations
o Digital commerce frameworks
o Data protection requirements
o Shari’ah governance standards
• Engage regulators to support the development of Islamic digital finance ecosystems where required.

Leadership and Organizational Development

• Lead the Ecosystem & Market Enablement Platforms team including:
o Manager, Marketplace Platform
o Manager, Growth & Market Enablement
• Build strong execution discipline, accountability, and performance culture.
• Develop internal capabilities in digital ecosystem management and Islamic fintech platforms.
• Promote inclusive, diverse, and purpose-driven team culture.

Key Outputs

• Scaled and fully operational Halal Gebeya marketplace and ecosystem platforms
• Growth in ecosystem transaction volume and financing deployment
• Increased adoption of Shari’ah-compliant financial products
• Strong marketplace monetization and revenue performance
• High user acquisition, engagement, and retention rates
• Seamless institutional and partner integrations
• Digitally compliant and audit-ready platform operations
• Expansion into new markets and ecosystem segments

• Bachelor’s degree in Business, Finance, Economics, Technology Management, or related field.
• Master’s degree preferred.
• Exposure to Islamic Finance is an advantage.

Experience

• Minimum 12 years of experience in digital platforms, fintech, marketplace ecosystems, or financial services infrastructure.
• Proven experience building or scaling multi-sided platforms or embedded finance ecosystems.
• Strong experience in commercial strategy, platform monetization, and growth execution.
• Experience integrating financial services into digital platforms is highly desirable.
• Experience in emerging markets and infrastructure-led scaling environments is preferred.

Position Summary

The Manager, Marketplace Platform is responsible for the operational management, product integration, performance optimization, and continuous enhancement of the Halal Gebeya Digital Marketplace.

The role serves as the execution engine of the ecosystem platform, ensuring that Shari’ah-compliant financial products, capital solutions, and partner services are seamlessly configured, embedded, and delivered through a stable, user-centric, and scalable digital marketplace.

The Manager translates ecosystem strategy into operational performance by ensuring platform reliability, integration efficiency, user experience optimization, and measurable transaction growth across multiple user segments and institutional partners.

Key Responsibilities

Platform Operations and Governance
• Oversee day-to-day operations of the Halal Gebeya marketplace, ensuring high availability, stability, and service reliability.
• Implement and maintain governance protocols including:
o Product display accuracy
o Pricing transparency
o Shari’ah documentation integration
o User disclosures and consent frameworks
o Partner service-level standards
• Establish and manage incident escalation and resolution processes.
• Ensure audit traceability, data integrity, and operational control standards.

Product Configuration and Digital Integration

• Coordinate configuration and integration of Shari’ah-compliant products including:
o Murabaha and Ijarah financing
o Salam-based agricultural financing
o Takaful protection solutions
o Capital and liquidity products where applicable
• Ensure seamless API integration with Kifiya’s Intelligent Financial Infrastructure and decisioning systems.
• Validate end-to-end workflows including origination, underwriting, contract issuance, and repayment tracking.
• Conduct product testing, configuration validation, and go-live readiness checks.

User Onboarding and Journey Optimization

• Design and optimize onboarding processes for:
o MSMEs and merchants
o Smallholder farmers and cooperatives
o Institutional partners
o Individual users
• Reduce friction in application flows, documentation, verification, and contract acceptance.
• Monitor conversion funnels, drop-off points, and user behavior.
• Collaborate with Technology teams to improve UX/UI and digital journey efficiency.

Institutional Partner Enablement

• Support onboarding and operational integration of:
o Banks and MFIs
o Takaful providers
o Capital partners
o Marketplace merchants and suppliers
• Ensure partners are technically and operationally ready to transact on the platform.
• Maintain integration checklists, testing protocols, and readiness frameworks.
• Monitor partner performance and service-level compliance.

Performance Monitoring and Analytics

• Develop and maintain dashboards tracking:
o Active users and merchants
o Transaction and financing volumes
o Takaful attachment rates
o Conversion rates and funnel efficiency
o Customer retention and engagement
o Partner performance metrics
• Analyze trends and identify performance bottlenecks.
• Provide actionable insights and structured reporting to the Director.

Compliance and Shari’ah Alignment

• Ensure all platform configurations reflect approved Shari’ah product structures.
• Validate documentation alignment with Shari’ah rulings and governance requirements.
• Maintain compliance logs for all product and system changes.
• Support Shari’ah audit preparation and regulatory reviews.
• Ensure transparent disclosure of pricing, profit mechanisms, and risk-sharing structures.

Continuous Improvement and Platform Innovation

• Identify and implement process automation opportunities to improve operational efficiency.
• Enhance embedded finance workflows across marketplace transactions.
• Support integration of Takaful claims and protection workflows within the platform.
• Monitor global best practices in digital marketplaces and Islamic fintech.
• Drive iterative platform enhancements aligned with user and partner needs.

Cross-Functional Coordination

• Coordinate closely with:
o Product Development & Planning
o Institutional Partnerships & Growth
o Takaful Solutions
o Capital Market & Investment Solutions
o Risk and Analytics
o Group Technology teams
• Ensure alignment and timely execution of marketplace initiatives.
• Act as the central coordination point for operationalizing ecosystem strategies.

Key Outputs

• Stable, secure, and high-performing marketplace platform
• Growth in transaction volume and financing deployment
• Improved onboarding conversion rates and user experience
• Successful integration and activation of institutional partners
• Increased adoption of Shari’ah-compliant financial and Takaful products
• Reduced operational errors and processing delays
• Audit-ready compliance and governance documentation
• Strong user engagement and retention

Education

• Bachelor’s degree in Business, Finance, Information Systems, Technology Management, or related field.
• Master’s degree preferred.
• Exposure to Islamic Finance principles advantageous.

Experience

• Minimum 8 years of experience in fintech platforms, digital marketplaces, embedded finance, or financial product operations.
• Experience managing multi-sided platforms or ecosystem-based financial services is preferred.
• Strong understanding of API-based integrations and digital product workflows.
• Exposure to Shari’ah-compliant finance or Islamic fintech is highly desirable.
• Experience working with financial institutions or ecosystem partners is preferred.

Position Summary

The Manager, Product Development & Planning leads the design, structuring, and lifecycle management of Shari’ah-compliant financial products deployed across the Chief Shariah Financial Solutions Office platforms.

The role is responsible for translating Islamic financial jurisprudence into commercially viable and digitally deployable financial products that support financing across SME, agriculture, asset financing, and marketplace ecosystems.

Operating as the financial structuring and product architecture function of the Office, the role ensures that all financial products maintain Shari’ah integrity, risk discipline, digital scalability, and alignment with institutional partner requirements.

The Manager works closely with institutional partnership teams, ecosystem platform teams, technology, risk, and Shari’ah governance functions to ensure that financial products are structured, certified, and operationalized effectively across partner institutions.

Key Responsibilities

Shari’ah Financial Product Structuring

• Design and standardize Shari’ah-compliant financial products including Murabaha, Ijarah, Salam, Musharakah, Wakalah, and hybrid structures.
• Translate Shari’ah board rulings and jurisprudential guidance into operational product frameworks.
• Develop standardized contract templates, pricing methodologies, and transaction workflows.
• Ensure product structures reflect genuine asset ownership, transparent profit mechanisms, and compliance with Shari’ah principles.

Multi-Sector Product Architecture

• Develop financing product frameworks across major financing pillars including:
o MSME working capital financing
o Agricultural Salam and value-chain financing
o Asset and equipment financing
o Marketplace and embedded finance structures
o Institutional financing pools using Wakalah structures
• Ensure structural coherence across all products to prevent fragmentation and maintain operational consistency.

Financial Structuring and Capital Efficiency

• Develop profit-rate methodologies aligned with Shari’ah principles and competitive market benchmarks.
• Structure financial products to optimize capital utilization across institutional financing pools.
• Support receivable structuring, securitization initiatives, and Islamic liquidity management frameworks.
• Collaborate with capital solutions teams on Sukuk enablement and Islamic capital market integration initiatives.

Digital Product Integration

• Translate financial product logic into digital workflows and platform requirements.
• Work with technology teams to embed Shari’ah-compliant transaction logic within digital financing infrastructure.
• Ensure automated validation of asset ownership, purchase documentation, and transaction traceability.
• Support integration of financial products into marketplace platforms and embedded finance systems.

Risk and Portfolio Integration

• Collaborate with credit risk and analytics teams to align financial structures with portfolio risk frameworks.
• Ensure product design incorporates risk segmentation, asset verification, and compliance monitoring mechanisms.
• Monitor product-level performance indicators including profit realization, delinquency patterns, and recovery structures.

Product Rollout and Operationalization

• Develop product rollout strategies across partner financial institutions and ecosystem platforms.
• Establish Shari’ah-compliant operational procedures covering origination, documentation, asset validation, and collections.
• Support training and capacity building for partner institutions implementing the products.

Governance, Compliance and Documentation

• Work closely with the Shari’ah governance function to secure product certification prior to commercialization.
• Maintain product documentation including Shari’ah rulings, operational procedures, and compliance logs.
• Support Shari’ah audit processes and remediation of compliance findings.
• Ensure alignment with regulatory frameworks and international standards such as AAOIFI and IFSB.

Product Performance Monitoring

• Track performance indicators across all financial products including:
o Revenue and profit realization
o Portfolio at risk
o Capital utilization efficiency
o Product adoption and renewal
o Compliance integrity
• Continuously refine pricing models, segmentation strategies, and structuring approaches based on performance insights.

Key Outputs

• Standardized Shari’ah-compliant financial product architecture
• Successfully deployed Islamic financial products across ecosystem platforms
• Strong portfolio performance aligned with risk thresholds
• Digitally embedded Shari’ah compliance mechanisms
• Regulatory and Shari’ah audit readiness
• Sustainable profit rate and revenue performance
• Scalable product frameworks for cross-market expansion

Education
• Bachelor’s degree in Finance, Economics, Business Administration, Islamic Finance, or related discipline.
• Master’s degree preferred.
• Professional certifications in Islamic Finance (AAOIFI, CIFE, CISI Islamic Finance) are an advantage.

Experience

• Minimum 8 years of experience in Islamic banking, Islamic fintech, or Shari’ah-compliant financial structuring.
• Demonstrated experience designing Murabaha, Ijarah, Salam, Musharakah, or Wakalah financing structures.
• Exposure to Islamic capital markets, Sukuk structuring, or liquidity management frameworks is an advantage.
• Experience working in multi-institution or ecosystem-based financial environments is highly desirable.

Position Summary

The Manager, Takaful Solutions is responsible for the design, structuring, integration, and commercialization of Shari’ah-compliant risk protection solutions across Kifiya’s financial ecosystem.

The role establishes the risk-sharing architecture of the Shari’ah Financial Solutions platform, ensuring that all financing activities across MSME, agriculture, asset financing, and marketplace ecosystems are supported by sustainable, compliant, and digitally embedded Takaful mechanisms.

The Manager translates Islamic insurance principles into scalable, technology-enabled solutions that enhance portfolio resilience, customer protection, and institutional partner confidence, while ensuring alignment with Shari’ah governance standards and risk sustainability frameworks.

Key Responsibilities

Takaful Product Structuring and Architecture

• Design and standardize Takaful models including:
o General Takaful (asset and device protection)
o Credit Takaful (financing protection)
o Agricultural and climate Takaful
o Family Takaful (where applicable)
o Hybrid Wakalah and Mudarabah-based structures
• Define participant risk pools, surplus distribution mechanisms, and operator fee models.
• Translate Shari’ah rulings into operational Takaful product frameworks, contracts, and documentation standards.
• Ensure compliance with AAOIFI standards and globally accepted Shari’ah governance practices.

Integration with Financing Platforms

• Embed Takaful solutions across financing structures including:
o Murabaha and Ijarah financing
o Salam-based agricultural finance
o Asset and device financing
o Marketplace and embedded finance transactions
• Ensure seamless bundling of financing and protection products within digital workflows.
• Align Takaful contribution models with financing structures and customer affordability.

Risk Pool Design and Sustainability

• Design diversified and sustainable Takaful risk pools aligned with portfolio characteristics.
• Collaborate with Risk and Analytics teams to:
o Model expected losses and claims behavior
o Monitor claims ratios and pool performance
o Forecast surplus/deficit scenarios
• Ensure long-term sustainability of Takaful funds while maintaining Shari’ah integrity.

Institutional and Strategic Partnerships

• Develop and manage partnerships with:
o Takaful operators and insurance providers
o Re-Takaful institutions
o Agricultural and climate risk insurers
o Capital providers seeking risk mitigation structures
• Support institutional partnership teams in embedding Takaful within financial institution offerings.
• Participate in structuring partnership agreements and operational frameworks.

Digital Integration and Infrastructure Enablement

• Ensure Takaful processes are fully embedded within Kifiya’s digital infrastructure including:
o Policy issuance and contribution tracking
o Claims processing and settlement workflows
o Risk monitoring and reporting systems
• Work with Technology teams to enable:
o Automated claims processing
o Real-time dashboards and analytics
o Audit traceability and compliance monitoring
• Integrate Takaful solutions within marketplace platforms such as Halal Gebeya.

Shari’ah Governance and Compliance

• Work closely with the Shari’ah governance function to ensure certification and compliance of all Takaful products.
• Maintain documentation of Shari’ah rulings, contracts, and governance frameworks.
• Support Shari’ah audits and ensure timely resolution of compliance findings.
• Ensure transparency in participant agreements and risk-sharing disclosures.

Commercialization and Performance Management

• Develop go-to-market strategies for Takaful solutions across financing verticals.
• Drive adoption through embedded product strategies rather than standalone offerings.
• Monitor key performance indicators including:
o Contribution volumes
o Claims ratios
o Risk pool sustainability
o Customer adoption rates
• Continuously refine pricing, segmentation, and structuring models.

Market Intelligence and Innovation

• Monitor global and regional Takaful trends and regulatory developments.
• Identify opportunities for:
o Micro-Takaful and inclusive protection models
o Climate and parametric Takaful solutions
o Digitally enabled low-ticket insurance products
• Support innovation aligned with Africa’s emerging Islamic finance ecosystem.

Key Outputs

• Integrated Takaful architecture across all financing platforms
• Sustainable and well-performing Takaful risk pools
• Growth in contribution volume and product adoption
• Improved portfolio resilience through embedded protection
• Shari’ah-compliant and audit-ready Takaful frameworks
• Digitally enabled claims and policy management systems
• Strong institutional partnerships in risk-sharing solutions

• Bachelor’s degree in Finance, Insurance, Actuarial Science, Islamic Finance, or related field.
• Professional certification in Takaful, Islamic Insurance, or Risk Management.
• Professional certifications in Islamic Finance (AAOIFI, CIFE, CISI Islamic Finance) are an advantage.
• Actuarial qualifications are an advantage.

Experience

• Minimum 8 years of experience in insurance, Takaful, or risk management.
• Demonstrated experience in structuring or managing Takaful or cooperative insurance models.
• Strong understanding of actuarial concepts, risk pooling, and claims management.
• Experience working with financial institutions or embedded insurance platforms is preferred.
• Exposure to agricultural or climate risk insurance is highly desirable.

Position Summary

The Manager, Institutional Partnerships and Growth is responsible for managing and scaling Kifiya’s institutional relationships with financial institutions and ecosystem partners participating in the Shari’ah-Compliant Financial Solutions platform.

The role oversees the commercial growth, operational deployment, and performance management of partner institutions implementing Shari’ah-compliant financial solutions across Kifiya’s digital platforms. This includes coordinating product rollouts, managing financing portfolio performance, optimizing liquidity utilization, and ensuring partner institutions operate within approved Shari’ah governance and risk frameworks.

Working closely with product, technology, risk, and Shari’ah governance teams, the Manager ensures that institutional partnerships translate into sustainable financing growth, disciplined portfolio performance, and scalable ecosystem expansion aligned with the Office’s strategic mandate.

Key Responsibilities

Institutional Partnership Development

• Manage strategic relationships with assigned partner financial institutions including full-fledged Islamic banks, conventional banks with IFB windows, MFIs, and development finance partners.
• Support the acquisition and onboarding of new institutional partners aligned with the Office’s expansion strategy.
• Develop partnership engagement frameworks including commercial agreements, collaboration models, and growth roadmaps.
• Maintain structured engagement with partner executives, operational teams, risk functions, and Shari’ah governance structures.

Institutional Growth and Commercial Performance

• Drive financing growth, revenue generation, and liquidity deployment across assigned partner institutions.
• Monitor and manage institutional performance indicators including:
• Financing disbursement volumes
• Liquidity velocity
• Portfolio at risk and non-performing financing ratios
• Customer activation and repeat financing
• Conduct structured monthly and quarterly business reviews with partners to assess portfolio performance and identify growth opportunities.
• Translate performance data into corrective action plans and expansion strategies.

Product Deployment and Institutional Enablement

• Lead the rollout and operationalization of Shari’ah-compliant financial products across partner institutions.
• Coordinate with Product Development, Technology, Risk, and Operations teams to ensure product readiness and smooth deployment.
• Oversee go-live readiness assessments including partner training, operational alignment, and process integration.
• Ensure institutional implementation aligns with approved product structures and certified Shari’ah documentation.

Governance and Shari’ah Compliance Coordination

• Serve as a key interface between partner institutions and Kifiya’s Shari’ah governance framework.
• Support preparation of materials for Shari’ah committee reviews, regulatory discussions, and product certification processes.
• Monitor partner adherence to approved product structures and escalate any potential compliance deviations.
• Ensure operational documentation and reporting remain aligned with AAOIFI governance standards and applicable regulatory expectations.

Risk-Aware Portfolio Management

• Work closely with Credit Risk and Analytics teams to monitor portfolio performance and early warning indicators.
• Support implementation of risk mitigation and recovery strategies where required.
• Ensure growth initiatives remain aligned with approved risk frameworks and Shari’ah-compliant financing principles.

Cross-Functional Institutional Coordination

• Represent the voice of partner institutions internally across Technology, Product Development, Risk, and Capital Solutions teams.
• Translate institutional feedback into product improvements and platform enhancements.
• Facilitate smooth coordination between commercial teams and operational functions to ensure successful partner implementation.

Performance Monitoring and Reporting

• Maintain structured institutional performance dashboards and operational reporting systems.
• Prepare weekly and monthly performance reports highlighting growth trends, risks, and strategic opportunities.
• Provide data-driven insights and recommendations to the Director and senior leadership.

Team Supervision and Institutional Capability Development

• Supervise Associates supporting institutional partnerships.
• Develop institutional engagement playbooks and standardized operating frameworks.
• Contribute to building a disciplined, performance-driven culture across institutional partnership teams.

Key Outputs

• Growth in financing volume and revenue generated through partner institutions
• Improved liquidity utilization across partner financing programs
• Stable portfolio quality within approved risk thresholds
• Successful and timely deployment of Shari’ah-compliant financial products
• High partner satisfaction and institutional engagement
• Compliance with Shari’ah governance and regulatory standards
• Accurate and timely institutional performance reporting

• Bachelor’s degree in Finance, Economics, Business Administration, Islamic Finance, or related discipline.
• A Master’s degree or professional certification in Islamic Finance is an advantage.

Experience

• Minimum 8 years of experience in banking, fintech, institutional partnerships, or financial ecosystem development.
• Experience working with financial institutions, DFIs, or fintech platforms.
• Exposure to Shari’ah-compliant financial products or Islamic finance operations is strongly preferred.
• Experience managing institutional portfolios or commercial partnerships is highly desirable.

Location: Addis Abeba