Housing Finance Company of Kenya was incorporated as the premier mortgage Finance Institution in Kenya licensed under the Banking Act with the CDC and the GoK owning 60% and 40% respectively. Housing Finance started operations with the main objective of implementing the government’s policy of promoting thrift and home ownership by lending funds advanced from First Permanent East Africa Limited (FPEA). Operations were restricted to the zoned residential areas within Nairobi and Mombasa. Deposits of FPEA in Kenya were transferred to HFCK while the Tanzanian and Ugandan deposits were transferred to The Permanent Housing Finance Company of Tanzania and the Housing Finance Company of  Uganda respectively.   Principle Accountabilities Strategy & Channel Growth Define and execute the end-to-end business channels strategy aligned to the Group’s ambition to become a technology-led financial institution Drive growth of digital channels (Mobile & Internet Banking) with a strong focus on adoption, usage, and revenue generation Identify and unlock new revenue streams across payments, lending and other value streams Product Development & Agile Delivery Lead the end-to-end product lifecycle: ideation, design, build, launch, and optimization Drive Agile delivery across squads, ensuring timely and high-quality releases Provide strong oversight across all initiatives, ensuring alignment between business, technology, and customer needs Ensure solutions are built using human-centered design, Lean Startup, and Agile principles Champion customer-centricity, ensuring solutions address real customer needs and pain points Drive personalization through different tools and mechanics through the use of data Commercialization & Digital Growth Own commercial success of all channel products, including revenue targets, adoption, and customer growth Work closely with Marketing to drive go-to-market strategies, digital campaigns, and customer engagement initiatives Leverage data and analytics to optimize conversion funnels, customer journeys, and retention strategies Build and execute partnership strategies to enhance distribution and monetization Stakeholder & Cross-functional Leadership Lead collaboration across business (all subsidiaries), technology, risk, compliance, and marketing Ensure strong alignment and execution across all stakeholders Provide clear direction and prioritization across multiple concurrent initiatives Team Leadership & Capability Building Lead and manage a team of Product Owners, Scrum Masters, and Commercial Leads Build a high-performance, outcome-driven culture focused on delivery and impact Provide coaching and mentorship to develop strong product, Agile, and commercial capabilities within the team Key Competencies and Skills Technical Competencies Demonstrated ability to lead cross-functional teams including Product Owners, Scrum Masters, and commercial teams Strong understanding of: Digital channels, payments, and lending ecosystems Customer acquisition, digital marketing, and growth strategies Data-driven decision-making and customer analytics Strong stakeholder management with the ability to influence at senior leadership level Minimum Qualifications, Knowledge and Experience Academic & Professional Qualifications Bachelor’s degree in Business, Technology, or a related field (Master’s degree preferred) Professional training/certification in Agile, Product Development, Digital Marketing – would be an added advantage Work Experience 10+ years’ experience in banking, fintech, or digital financial services Proven experience in: Digital product development and management (Mobile/Internet Banking preferred) Agile project delivery in complex environments Commercialization of digital products (growth, adoption, revenue ownership)