Product Marketing Manager — Credithive
## About the Role
Credithive (Mobihive Labs Limited) is looking for a Product Marketing Manager to own margin-focused product design, customer loyalty programs, and e-commerce growth across our device financing markets in Africa (Zimbabwe, Zambia, Ghana, DRC, Guinea-Bissau, Sierra Leone, Rwanda). This role sits at the intersection of product, data, and marketing — translating customer and financial data into programs that improve margins, retention, and revenue.
## Key Responsibilities
### Margin-Focused Product Design
- Design product and pricing structures (tenors, down payments, segmentation) that improve unit economics and margin.
- Analyze loan book and repayment data to identify segments and intervention points that drive profitability.
- Work with Finance and Operations to translate margin targets into product-level decisions (tenor lengths, down payment tiers, pricing).
### Loyalty & Retention Programs
- Design and launch CRED-style loyalty programs that reward good repayment behavior and drive customer retention.
- Define tiering logic (e.g., based on repayment history, days-past-due, or usage) and the rewards/benefits attached to each tier.
- Own the end-to-end lifecycle of loyalty initiatives: concept, business case, pilot, rollout, and iteration based on performance data.
### Customer Database & Data Infrastructure
- Build and maintain a structured customer database that consolidates repayment history, demographics, and engagement data across markets.
- Ensure data is clean, usable, and accessible for segmentation, targeting, and reporting.
- Partner with Engineering to define data capture requirements and integration points (MDM, telco, and internal systems).
### E-Commerce Launch & Growth
- Own the launch of e-commerce capability — from platform selection/setup through go-live.
- Define product listings, pricing, and promotional strategy for device and accessory sales.
- Build the go-to-market plan for e-commerce, including customer acquisition and cross-sell into the existing loan customer base.
### Product & Market Analysis
- Conduct customer research and competitor analysis across African fintech/device-financing markets to identify opportunities.
- Translate customer pain points and market gaps into product and marketing recommendations.
- Monitor KPIs across loyalty, e-commerce, and margin initiatives; build dashboards and reports to track adoption, usage, and financial impact.
### Cross-Functional Collaboration
- Act as the bridge between Product, Engineering, Finance, and Operations to bring initiatives to market.
- Partner with country teams to adapt programs to local market dynamics (Zimbabwe, Zambia, Ghana, Rwanda, and others).
- Support customer-facing teams with enablement materials, positioning, and messaging for new programs.
## Required Skills & Experience
- 3–6 years of experience in product marketing, product management, or growth roles, ideally in fintech, lending, or consumer tech.
- Demonstrated experience designing or scaling a loyalty/rewards program.
- Strong data analysis skills — comfortable working with repayment/transactional data to define segments and measure margin impact.
- Experience building or working with customer databases/CRM systems.
- Experience launching or operating e-commerce platforms (product listings, pricing, promotions).
- Strong understanding of unit economics and how product decisions affect margin.
- Excellent stakeholder management across Product, Engineering, Finance, and Operations.
- Strong written and communication skills for both internal alignment and customer-facing materials.
- Prior exposure to emerging markets (Africa preferred) is a plus.
