Company Profile

Advans is a leading microfinance group established in 2005. Advans mission is to respond to the need for financial services of small businesses and other populations who have ill-adapted, limited or no access to formal financial services. The Advans Group currently spans nine countries: Cambodia, Cameroon, Ghana, the Democratic Republic of Congo, Côte d’Ivoire, Pakistan, Nigeria, Tunisia and Myanmar. As at end October 2019, the group served more than 1,000,000 clients and employed more than 7,300 staff. Headquartered in Luxembourg with support services in Paris, the group’s shareholders are EIB, KfW, FMO, CDC Group plc, FISEA (AFD Group) and IFC.

Advans Ghana, subsidiary of the international microfinance group Advans, started its activities in 2008. The institution offers a full range of adapted financial products and services to micro, small and medium sized enterprises in Ghana. The institution serves more than 64,000 clients through a network of 20 points of sale and over 650 employees.

Job Description

• Ensure customer needs are considered at the key stages of the project.
• Produce business requirements and business cases for new digital channels. 
• Coordinate various internal stakeholders (Marketing, Sales & Distribution, IT, Risk…) and external stakeholders (ex: partners, technical solution providers)
• Lead the production and validation of new and reviewed procedures related to new distribution Channels.
• Lead the process of approval by the Bank of Ghana of new digital channels and products in collaboration with other internal and external stakeholders. 
• Implement Digital Channels project methodology aligned with internal guidelines and be responsible for project planning & budget of the projects/channels assigned. 
• Support the roll-out of the Digital Channels and products together with relevant stakeholders (including Communication, Training Sales…) and define an implementation plan to support the clients in adopting the new channels/products.
• Ensure that once launched, the analysis of performance, issue recommendations/action plans, and management report. 
• Monitor, analyze data & provide insights on the performance of the Digital Channels/Products, to be shared with key stakeholders in terms of:
• Active Users, Transactions, Revenues, Impacts on Deposits and Loans, Technical Performance, and Customer Satisfaction.
• Quality of customer experience across channels, including underlying processes. Business performance and profitability of Digital Channels/Products 
• Ensure the continuous improvement, in terms of user experience, of the channel(s) assigned to her/him.
• Set up a market watch: Competition, Market Trends, Regulation, etc…
• Identify opportunities in terms of optimization/adjustments/new digital Channels/Products.
• Provide support to branches & respond to inquiries and issues from customers on Digital Channels and Products.

• May be handling multiple projects simultaneously.
• May have to work occasionally in outstation branches (outside Accra)
• May work late hours/weekends to meet deadlines

Required Skills or Experience

• Bachelor’s degree and demonstrable interest in the financial inclusion and Advans’ missions.
• Minimum 3 years of experience in a fast-paced environment with a proven track record of achievements in the Digital area and Digital Projects
• Strong knowledge of USSD technology, client-facing mobile Apps, and payment systems, including Mobile Money
• Ability to manage projects involving various internal stakeholders (top management, Marketing,Operations, IT, Risk, branch management)
• Understand the business drivers and complex market environment.
• Demonstrate the ability to remain customer-focused and innovative.
• Ideally an experience within a financial institution (Savings and Loans, Fintech Traditional Bank, microfinance, …) or in a Digital Agency 
• Ability to manage negotiations with external stakeholders (business and technical partners)
• Excellent communication skills – written and spoken.
• Demonstrate excellent analysis and synthesis skills