Lending Propositions Manager

SUMMARY:
lending and credit cards, credit Customer relationship Manager - product specialist

POSITION INFO:

Dynamic Multinational organization in the Financial services seeks your sound experience to join them as a Senior Lending Propositions Manager coming from the Financial services industry.

They provide and focus on the development and provide secure Transaction technology,solutions and services.

The key purpose of the role is to translate the business strategy for Financial Services into Credit and Lending products and solutions that are appropriate for the underbanked and underserved consumers of South Africa.

The Credit and Lending Propositions Manager role entails end-to-end Product Life-cycle Management

Minimum Requirements :

Qualifications

• Matric
• Undergraduate degree in business and/or commerce

Attributes/Skills must have 

• Lending and Credit Products Design and Development
• Risk Appetite Development and Management
• Provision Models Development and Management
• Product Analysis

• Business Analysis 
• Process Engineering 
• Financial Literacy
• Strong commercial and data literacy
• Product Change Management
• People Management (direct reports and matrix structures)
• Stakeholder Management (internal and external)
• Self-driven
• Networking skills
• Collaboration skills

Product Research and Development and delivery

• Accountable for market research relevant to the client base we aim to service
• Understands the industry opportunities, current and future trends, market supply and demand, pricing, profit drivers, main competitors and enabling suppliers.
• Knowledge and understanding of competitors in - their strengths, weaknesses, competitive advantages and disadvantages, formal and informal structures and products
• Accountable for the effective design, build and delivery within agreed timelines of the proposition products, features and solutions – including scoping, design and implementation of this includes BRS documentation, case studies, test cases
• Understands the IT landscape for the selected products and features to ensure feasibility for the proposition
• Facilitate the relationship between various functions that are integral for the delivery of the proposition and solutions
• Analyse and interprets the customer insight and data in terms of the feedback received on an ongoing basis
• Continuously ensures that the solution built is aligned and relevant to the client value journey.
• Remains accountable for the end-to-end client experience.

Risk appetite and Product Pricing

• Ensure Risk Appetite and Pricing is in line with the

• stipulations of NCA

• • Establish and maintain the Risk Appetite for the Credit

• Portfolio

• • Establish the Provisioning Model appropriate for the

• Credit Portfolio in accordance with the Risk Appetite and

• other relevant credit management principles

• Understand governance & compliance requirements in 

  line with products and solutions that are brought to market.

• Custodianship of product pricing in accordance with the 

  Risk Appetite, Risk-based Pricing models and the NCA

• Establish and manage customer monitoring structures 

  and processes to ensure pricing is competitive, aligned to 

  the risk appetite and can meet client requirements.

• Ongoing evaluation of product revenue, servicing cost 

  structures and market penetration i.e., continuous 

  assessment of overall product profitability and cost drivers.
• Coordinate the delivery of a credit risk management plan.

Stakeholder Engagement and Management

• Ensures alignment between all stakeholders through effective communication
• Manages the relationships with all internal stakeholders that are part of the solution.
• Ongoing engagement with relevant stakeholders in relation to market conduct, risk and compliance requirements.
• Provide input into Learning and Development as required to support the products and solutions in the market

People Management

• Manages a team (direct and indirect reports) to ensure effective delivery of objectives..

Reporting and Monitoring 

Financial Performances 

Go - to Market

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