Manager – Digital Financial Services & Payments (Manager – Services Financiers Digitaux & Paiements)

  • Oct 12, 2026
  • Kinshasa, Kinshasa, Congo, The Democratic Republic of the
  • Full-time
  • Mobile and Digital Business

Reports To                             : Head Of Mobile and Digital Business

Location                                 : Kinshasa, DRC

Number Of Open Positions  : 1

Salary Grade                          : Level 3 (FPP)

Posting Code                          : 232393

Closing Date                           : 12/10/2026

INCA 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.

  1. JOB PURPOSE

The Manager – Digital Financial Services & Payments is responsible for driving the development, growth and performance of FINCA DRC's digital financial services and payment portfolio.

The role combines product management, business development, digital innovation and ecosystem development, with responsibility for transforming customer needs and market opportunities into scalable, commercially viable and customer-centric financial solutions.

The Manager will lead the development and optimization of products and services across Mobile Financial Services, Cards & Monetics, Merchant Acquiring, Electronic Payments and Digital Channels, with a strong focus on customer acquisition, activation, engagement, transaction growth, revenue generation and profitability.

  1. KEY RESPONSIBILITIES

Note: Other duties may be assigned

  1. Digital & Mobile Financial Services
  • Develop and implement the strategy for FINCA's digital and mobile financial services.
  • Manage the full product lifecycle, from ideation and business case development to launch, adoption, optimization and retirement.
  • Develop and enhance mobile banking, digital accounts, transfers, payments, savings and digital lending solutions.
  • Identify opportunities to increase customer acquisition, activation, engagement and retention.
  • Monitor product performance and implement initiatives to improve adoption and customer experience.
  • Identify cross-selling and upselling opportunities across digital channels.
  1. Digital Payments & Merchant Business
  • Develop and implement FINCA’s digital payments and cards strategy, covering customer, merchant and business payment needs.
  • Manage and grow FINCA’s card and electronic payment solutions, including cards, POS/TPE, QR payments, mobile payments, payment links and other digital channels.
  • Develop and expand the merchant network, covering merchant onboarding, engagement and portfolio growth.
  • Drive the adoption of electronic payment use cases, including payments, collections, bulk payments, salary payments and bill payments.
  • Lead initiatives related to payment acceptance, interoperability, payment schemes.
  • Identify new payment use cases, partnerships and business opportunities to increase digital payment adoption and reduce cash dependency.
  • Monitor transaction volumes, revenues, costs, profitability and customer/merchant activity, and implement actions to drive sustainable growth.
  1. Product Strategy & Business Performance
  • Define business and financial targets for each product and service under management.
  • Monitor key performance indicators including customer acquisition, savings collection, payments, active users, transaction volumes and values, revenues, costs and profitability.
  • Analyze performance gaps and develop corrective action plans.
  • Develop business cases and financial models for new products and initiatives.
  • Review and optimize product pricing and commercial models.
  • Identify new revenue and growth opportunities.
  1. Strategic Partnerships, Innovation & Digital Transformation
  • Identify and develop strategic partnerships with MNOs, fintechs, banks, payment schemes, aggregators, processors, technology providers and merchants to strengthen FINCA’s digital ecosystem.
  • Lead business coordination for partner integrations, including commercial models, pricing and contractual arrangements.
  • Monitor market trends, customer needs and emerging technologies to identify new products, services and business models that support growth.
  • Lead digital innovation, product modernization and transformation initiatives, leveraging technology and strategic partnerships.
  • Promote automation and process digitization to improve operational efficiency, customer experience and business scalability.
  • Monitor partnership and innovation performance and ensure delivery against agreed business objectives.
  1. Regulatory, Risk & Governance
  • Ensure regulatory compliance and integration of key risk requirements across products/services.
  • Collaborate with Risk, Compliance, Legal, IT & Operations to embed regulatory and risk considerations throughout the product lifecycle.
  • Monitor regulatory developments and ensure timely implementation of regulatory and audit recommendations.
  1. KEY PERFORMANCE INDICATORS (KPIS)

Digital & Mobile

  • New digital customers acquired,
  • Savings collection & lending (volume & value)
  • Customer activation rate
  • Active digital customers
  • 30-day / 90-day customer stickiness
  • Transaction volumes and values
  • Product adoption and usage
  • Digital revenues

Cards & Payments

  • Number of cards issued and active
  • Card activation & usage rate
  • Card transaction volume and value
  • Payment transaction success rate
  • Payment revenues
  • Service availability

Merchants

  • Number of merchants acquired
  • Number of active merchants
  • Merchant activity rate
  • Merchant transaction volumes and values
  • Merchant revenues

Business & Product

  • Revenue and profitability by product
  • Cost-to-income
  • Product adoption rate
  1. QUALIFICATIONS, EXPERIENCE & COMPETENCIES

Education

  • Bachelor's or master’s degree in finance, Banking, Business Administration, Economics, Marketing, Information Technology, Digital Business or a related field.
  • Professional certification in Product Management, Digital Finance, Fintech or Payments is an advantage.

Experience

  • 3–5 years of relevant experience in banking, microfinance, fintech, mobile money, digital banking or payments.
  • Proven experience in digital financial services, product & project management, electronic payments.
  • Experience managing digital products throughout their lifecycle.
  • Experience managing strategic partnerships is an advantage.

Technical Competencies

  • Digital Banking, Mobile Financial Services & Product Management
  • Cards, Card Management, Electronic Payments & Payment Infrastructure
  • Merchant Acquiring & Merchant Management
  • POS/TPE and QR payment solutions
  • Mobile Money / Mobile Banking
  • Digital Lending and Digital Payments
  • Pricing and revenue management
  • Partnership management
  • Project management
  • Knowledge of payment and financial services regulations & risk

Behavioral Competencies

  • Strong leadership and people management skills
  • Business and results orientation
  • Customer-centric mindset
  • Strong analytical and problem-solving skills
  • Strong communication and negotiation skills
  • Ability to work across multiple functions, to manage multiple priorities and projects
  • Continuous improvement mindset & High level of ownership, accountability and execution
  1. POSITIONING OF THE ROLE

The Manager will act as a business and product owner for FINCA's digital financial services and payment portfolio, ensuring alignment between product strategy, technology, operations, commercial development and customer needs.

The scope of the role covers the full digital payment ecosystem:

Mobile & Digital Financial Services → Cards & Monetics → Merchant Network → Electronic Payments → Partnerships → Customer Engagement → Revenue & Growth.

 

NB: Les Offres de FINCA DRC sont gratuites, aucun frais n'est exigé ni avant ni pendent et ni après le processus de recrutement. Le recrutement se fera sur place à Mbuji-Mayi, tout candidat ayant postulé en dehors de la ville devra se prendre. Les candidatures féminines sont vivement encouragées.

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