Job Description

The Digital Banking Officer will develop, implement, and optimize SuccessBank's digital banking channels to drive financial inclusion and support strategic growth. This role requires entrepreneurial thinking, hands-on execution, and the ability to deliver impact with limited resources.

Duties and Responsibilities

Strategic Leadership
• Developing and executing digital banking strategy aligned with SuccessBank's five-pillar framework and RBZ financial inclusion guidelines
• Identifying and prioritizing digital initiatives for low-income households, small traders, and micro-enterprises
• Defining KPIs for digital channel adoption, transaction volumes, and revenue contribution
• Preparing business cases and Board proposals for digital investments with clear ROI projections
Channel Management
• USSD Banking: Develop robust USSD menu for feature phones, ensuring intuitive navigation for low-literacy users
• Mobile Banking App: Oversee Android/iOS development with core features (balance inquiry, transfers via ZIPIT, bill payments, loan applications)
• Agency Banking: Establish agent network for cash services in underserved areas per RBZ guidelines
• Debit Cards: Manage card lifecycle, integrate with ZIMSWITCH, implement fraud prevention
• Merchant Services: Deploy low-cost POS solutions including QR codes and ZIPIT Smart Merchant
• Payment Integration: Ensure seamless connection with ZIPIT, ZIMSWITCH, and mobile money platforms (EcoCash, OneMoney, TeleCash etc)
Systems Integration & Vendor Management
• Liaising with core banking system team ensuring real-time transaction processing
• Coordinating API and middleware implementation with IT team
• Managing third-party vendors (mobile aggregators, ZIMSWITCH, payment gateways), negotiating cost-effective SLAs
Customer Experience & Adoption
• Designing accessible onboarding journeys for first-time digital banking users including rural customers
• Use transaction analytics to identify pain points and improvement opportunities
• Collaborating with Marketing and Branch Operations to develop digital adoption campaigns
Compliance & Risk Management
• Implementing security protocols (encryption, OTP/2FA, biometric authentication) across channels
• Ensuring compliance with RBZ regulations including Exchange Control guidelines, National Payment Systems Act, and AML legislation
• Conducting risk assessments, fraud monitoring, and incident response with Risk and Compliance teams
Reporting & Performance Monitoring
• Tracking channel performance using analytics tools and core banking reports
• Preparing monthly reports for Managing Director and quarterly Board reports on channel health, growth metrics, and key incidents

Qualifications and Experience

• Bachelor's degree in Computer Science, IT, Business Administration, Finance, or related field
• Professional certifications (PMP, PRINCE2, digital banking, IT certifications preferred.
• Minimum 4 years in digital banking/fintech, with 2+ years in supervisory or project lead role
• Demonstrated experience implementing at least two digital channels (USSD, mobile app, agency banking, cards) preferably in Zimbabwe or regional context
• Working knowledge of core banking systems, APIs, and payment integration protocols
• Familiarity with ZIPIT, ZIMSWITCH, mobile money interoperability, and RBZ regulatory requirements
• Strong project management skills with ability to deliver results with limited budgets and small teams
• Microfinance or financial inclusion experience preferred

Core Competencies
• Strategic Thinking: Translates business objectives into actionable digital initiatives with measurable outcomes
• Technical Proficiency: Strong grasp of banking software, APIs, mobile/USSD systems, and payment gateways
• Customer-Centric Design: Designing accessible solutions for underserved, low literacy, and rural populations
• Results Orientation: Drives projects to completion despite obstacles; accountable for outcomes
• Analytical Skills: Uses data to inform decisions; troubleshoots technical issues effectively
• Communication: Explains technical concepts to non-technical audiences; builds productive cross-departmental relationships
• Adaptability: Thrives in fast-paced environment with limited resources; comfortable wearing multiple hats
• Integrity: Upholds ethical standards; ensures regulatory compliance and customer data protection

How to Apply

Interested persons should submit detailed CVs not later than Friday 9 January 2026 to:
[email protected]