Assistant Manager – Fuel Card & Loyalty

Job Description

 

Job Title	: Assistant Manager – Fuel Card & Loyalty
Department	: Commercial
Section/Unit	: Fuel Card & Loyalty
Location	: Stabex International Ltd Headquarters, Nairobi, with responsibility across the Company’s operating markets

 

Reports to: General Manager, Commercial

Key internal relationships: Works closely with Finance, IT, Retail Operations, Sales, Marketing, Customer Service, Legal and Internal Audit.

Key external relationships:

• Technology and payments: platform vendor, banks, payment service providers and Safaricom (M-Pesa)
• Commercial partners: dealers, fleet customers and loyalty partners
• Regulators: Kenya Revenue Authority (KRA), Energy and Petroleum Regulatory Authority (EPRA) and Office of the Data Protection Commissioner (ODPC)

Job Purpose

To lead Stabex International Limited’s fuel card and loyalty business, driving its launch, growth and profitability as a secure and reliable payments and customer engagement platform across B2B fleet and B2C consumer segments, and growing fuel and non-fuel volumes through the Stabex network.

The position is responsible for end-to-end ownership of the fuel card and loyalty business, including product design, platform and vendor management, B2B and B2C customer acquisition, the loyalty programme, dealer adoption, card operations, and operational reconciliation. The role leads a cross-functional team drawn from Finance, IT and Commercial, while ensuring appropriate controls over fraud, credit risk, data protection and regulatory compliance, with clear segregation of duties between commercial, credit and financial settlement activities.

Key Responsibilities and Duties

Fuel Card Strategy and Programme Launch

1. Develop and implement the fuel card strategy and business plan in line with Company objectives.
2. Lead the cross-functional project team (Finance, IT and Commercial) to launch and roll out the fuel card programme to scope, budget and timelines.
3. Own the project plan, budget, risk and issue logs, and provide regular progress updates to Management.
4. Advise Management on market opportunities, competitor offerings and emerging trends in fuel cards, fleet payments, digital payments and loyalty.
5. Plan and lead the roll-out of the card platform to new, acquired and dealer-operated stations, including migration of any inherited card customers.

Product, Platform and Vendor Management

1. Define card products, features and controls, including spend limits, product restrictions and PIN management.
2. Manage the card platform and technology vendors against contracts, scope and service levels.
3. Work with IT to ensure effective integration of the card platform with POS, ERP and KRA eTIMS systems.
4. Drive station readiness, including POS terminal deployment, acceptance testing and staff training at company-owned and dealer-operated stations.
5. Prioritise and build business cases for platform add-ons (such as Visa/Mastercard and M-Pesa STK acceptance, RFID tags, forecourt controller integration and virtual cards) and own the product roadmap with the platform vendor.
6. Continuously improve the card product and customer journey based on performance data and customer feedback.

B2B Commercial Growth and Customer Management

1. Develop the go-to-market plan and pricing structures, including discounts, rebates, fees, and credit and prepaid options.
2. Work with the Sales team to acquire, onboard and retain fleet customers.
3. Manage key fleet accounts and ensure high levels of customer satisfaction.
4. Own fuel card and loyalty volumes, revenue, margins and P&L performance, including card share of network fuel volume.
5. Drive card acceptance and adoption across the dealer network and agree with dealers the funding of discounts and loyalty costs, settlement terms and dispute handling.

B2C and Digital Growth

1. Own B2C customer acquisition, activation and retention across the mobile app, self-registration portal and stations.
2. Drive app adoption and usage of digital payment, top-up and ordering features, including fuel, LPG, lubricants, C-store and billers.
3. Develop referral, community and partnership campaigns with Marketing, and manage customer acquisition cost against customer lifetime value.
4. Use customer and transaction data to segment customers and personalise offers, within consent and data protection requirements.

Loyalty Programme

1. Design and launch the Stabex loyalty programme, including earn and burn rules, tiers, partner rewards, and B2B rebates versus B2C points.
2. Build the business case for the programme and manage its economics, including cost of rewards, breakage and incremental volume.
3. Work with Finance on the accounting for the loyalty liability and on points reconciliation.
4. Work with IT and the platform vendor to deploy loyalty at the POS, in the app and in the customer portal, and with dealers on station-level execution.
5. Track programme performance and continuously refine the loyalty proposition.

Card Operations, Settlement and Reconciliation

1. Establish and manage the card operations desk for card issuance (physical and virtual), replacement, blocking, customer queries and disputes.
2. Manage daily operational reconciliation and resolve exceptions between stations, dealers, customers and the card platform, with Finance retaining ownership of settlement and the accounting records.
3. Work with Finance to ensure timely billing, invoicing and collections for credit customers.
4. Maintain accurate records and documentation of card operations, customers and transactions.
5. Manage prepaid customer float with Finance, including M-Pesa and card top-up reconciliation and the treatment of dormant and unclaimed balances.

Fraud, Credit and Risk Management

1. Design and implement fraud monitoring rules, alerts and exception reporting.
2. Recommend customer credit limits for approval by Finance or the credit committee, and support credit vetting, collections and bad-debt management.
3. Identify, assess and manage operational, fraud and credit risks across the card programme.
4. Support internal and external audits and ensure timely implementation of agreed corrective actions.
5. Ensure fraud monitoring and revenue assurance activities are subject to independent review by Risk or Internal Audit.

Governance, Compliance and Budget Management

1. Develop and maintain fuel card policies, procedures and controls.
2. Ensure compliance with Company policies, EPRA and tax requirements (including KRA eTIMS), KYC, Kenya’s Data Protection Act, 2019 and equivalent requirements in other markets where the product operates.
3. Prepare and manage the fuel card budget and ensure effective use of resources.
4. Identify opportunities for cost optimisation and value for money.
5. Confirm with Legal that the closed-loop prepaid design remains outside e-money and payment service provider licensing under the National Payment System framework.

Team Leadership and Development

1. Build, supervise, guide and develop the fuel card and loyalty team.
2. Allocate responsibilities, set performance expectations and monitor team performance.
3. Identify training and development needs and promote continuous learning.
4. Foster teamwork, accountability, customer focus and professional conduct within the team.

Reporting and Performance Management

1. Monitor and report on fraud, credit and operational performance, alongside the KPIs below.
2. Track fuel card and loyalty KPIs, including active cards and app users, card share of network fuel volume, gross margin after discounts, postpaid DSO and bad debt, fraud losses, B2C acquisition cost and retention, loyalty enrolment, redemption and breakage, and station acceptance uptime, and provide regular performance updates to Management.
3. Provide timely analysis and recommendations on pricing, product and customer opportunities.

 

Job Competencies

 Academic Qualifications and Relevant Work Experience Required

1. Bachelor’s degree in Business, Commerce, Finance, Marketing, IT or a related field.
2. Professional project management certification (PMP, PRINCE2 or Agile) will be an advantage.
3. Minimum of 6 years’ relevant professional experience, including at least 2 years managing a fuel card, fleet card, bank card, mobile money or loyalty programme.
4. At least 2 years’ experience in a supervisory or management role.
5. Hands-on experience launching or scaling a card, payments or loyalty programme end to end.
6. Experience in the oil and gas downstream, fleet management or payments sector, preferably in East Africa.
7. Experience managing technology vendors, payment service providers and corporate customers.
8. Experience in consumer or digital product management, CRM or loyalty, including app-based customer acquisition.
9. Working knowledge of Kenya’s Data Protection Act, 2019 and applicable payments and tax regulations, and of equivalent regulations in other markets where the product will operate.

Functional Skills

1. Strong knowledge of fuel card and fleet payment systems, including card platforms, loyalty platforms, POS integration, authorisation and settlement.
2. Proven project management skills, with the ability to deliver cross-functional projects within set timelines.
3. Strong commercial acumen, including pricing, business case development and P&L management.
4. Sound understanding of reconciliations, revenue assurance and financial controls.
5. Sound knowledge of fraud prevention, credit risk management and internal controls.
6. Excellent analytical, numerical and data interpretation skills.
7. Strong vendor, customer and stakeholder management and negotiation skills.
8. Effective report writing and presentation skills.
9. In-depth understanding of loyalty programme design and economics, including rewards cost, points liability and breakage.
10. Working knowledge of digital marketing, customer segmentation and CRM analytics.

 Behavioral Competencies/Attributes

1. High level of integrity, professionalism and confidentiality.
2. Strong leadership, people management, coaching, mentoring and team-building capabilities.
3. Drive, energy and a strong sense of ownership; a self-starter.
4. Excellent interpersonal and communication skills.
5. Ability to work independently under pressure and make sound decisions quickly.
6. Results-oriented, customer-centric and solution-focused mindset.
7. Strong attention to detail and commitment to service excellence.
8. Adaptability, innovation and openness to new ideas.

How to Apply

Interested candidates should submit their CV and Cover Letter to recruitment.ke@stabexinternational.com not later than Monday, October 12, 2026 at 1700hrs.