Digital Banking Officer

The Digital Banking Officer will develop, implement, and optimize Success. Bank'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.

Key

• 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

Strategic Leadership
• Developing and executing digital banking strategy aligned with Success. Bank'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/i. OS 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 (Eco. Cash, One. Money, Tele. Cash 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

Interested persons should submit detailed CVs not later than Friday 9 January 2026 to: hr@successbank.co.zw