Credithive - Product & Growth Marketing Manager

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.