Nelson Ambetsa

Product Manager, Digital Lending @ Standard Chartered

About

Dynamic Product Manager with expertise in Digital Lending, Wealth Products & Fintech solutions, with over 10 years’ experience in banking and financial services. Proven track record in defining and executing product vision, strategy, and roadmap for digital credit and embedded lending platforms. Skilled in P&L ownership, go-to-market strategy, regulatory compliance (KYC, AML, CDD), and cross-functional collaboration using Agile/Scrum methodologies. Adept at leveraging data-driven analytics and customer feedback loops to optimize user experience and drive financial inclusion.

Country

Kenya

City

Nairobi County

Industry

Banking

Skill

IT infrastructure , Good personal relation, Credit, Banking, Credit Risk, Credit Analysis, Change Management, Team Leadership, Marketing Strategy, Retail Banking, Financial Analysis, Risk Management, Customer Service, Financial Risk, Portfolio Management, Loans, Analysis, Financial Reporting, Leadership, Microsoft Office

Experience

Product Manager, Digital Lending

Standard Chartered

2021-11 - Present · 4 yrs 11 mos

Nairobi, Kenya

🚀 Key Achievements: • Defined & executed product vision, strategy & roadmap for digital lending & embedded fintech solutions (SC Juza & SC Mobile App – Zibuka initiative). • Launched 3 major digital lending products, reducing loan processing time by 40% & driving significant customer acquisition & portfolio growth. • Owned P&L, pricing & cost optimization, achieving double-digit NFI & revenue growth. • Conducted market trend analysis & competitive benchmarking to target underserved segments. • Partnered with engineering, risk & UX teams (Agile/Scrum) to improve customer journey & ensure KYC, AML & CDD compliance. • Managed portfolio health & risk performance, keeping loan impairments within approved limits.

Ag. CCPL {Credit Cards and Personal Loan} Portfolio Head

Standard Chartered

2021-6 - 2021-11 · 6 mos

Nairobi, Kenya

• Drove portfolio growth & cross-sell rates through data-driven MIS tracking & referral conversion programs. • Led sales performance & lifecycle management for credit card & personal loan products. • Strengthened risk & compliance frameworks in line with TCF principles & regulatory standards.

Credit Card Portfolio Manager

Standard Chartered

2019-10 - 2021-6 · 1 yr 9 mos

Nairobi, Kenya

• Managed credit card portfolio campaigns, utilization promotions & pricing initiatives, increasing card spend per customer. • Improved product adoption & reduced service complaints through targeted customer education. • Ensured portfolio performance KPIs & revenue growth were consistently achieved.

Senior Client Care Executive- Priority and Business Clients

Standard Chartered

2018-3 - 2019-9 · 1 yr 7 mos

Nairobi, Kenya

• Delivered tailored financial solutions to high-net-worth & SME clients, increasing cross-sell rates in SME lending & wealth management products. • Enhanced client retention & satisfaction through need-based financial advisory.

Client Centre Executive-Service

Standard Chartered

2016-7 - 2018-3 · 1 yr 9 mos

Nairobi, Kenya

• Provided telephony banking & cross-sell leads for unsecured lending & wealth products. • Consistently exceeded service quality & client satisfaction targets.

Analyst, CDD, Commercial Clients

Standard Chartered

2014-5 - 2016-7 · 2 yrs 3 mos

Kenya, Head Office

• Led risk classification, AML & sanctions screening to mitigate onboarding risks & ensure compliance with global regulatory standards. • Streamlined CDD & KYC processes, reducing backlog & improving operational efficiency.

Direct Sales Representative (DSR)

KCB Bank Group

2013-12 - 2014-5 · 6 mos

Kenya, Kiambu Branch

• Grew loan book & customer base, achieving top branch sales performance & promotion to team lead for 10 sales reps.

Field Agent For Google Business Page

RoundTrip Kenya

2013-7 - 2013-10 · 4 mos

Nairobi, Kenya

• Pioneered introduction of Google For Business Program (GFOS) in Kenya. • Improved Google for business page adoption in Kenya through targeted client engagements on importance of new technology and its monetization.

Clerk- Shares Department

KCB Bank Group

2013-6 - 2013-7 · 2 mos

NAIROBI

• Achieved operational efficiencies in dispatch of dividends to respective shareholders.

Credit Administrator-Credit Section

National Bank of Kenya

2012-5 - 2012-8 · 4 mos

Nairobi, Kenya

• Gained firsthand experience in processing of debtor loan deduction payments, documentation of Credit Data Migration System (CDMS) data, writing and dispatching approvals, processing rejected loan repayments and posting of cheques.