Manager : Lending Products

Location: midrand, Gauteng, South Africa
Salary: Negoiable
Recruiter: Exousia Human Resources
Job Ref: Charlene Hall
Summary: To manage and develop lending products.



Job Description

  1. To optimise the profitability of the lending product line.
  2. To design new lending products.
  3. To monitor and control growth so that it is sustainable and delivers on the business objectives.
  4. To manage the lifecycle of the lending products continuum.
  5. To ensure that the product pricing strategy and objectives are achieved.
  6. To analyse, assess and develop strategies to manage the lending products.
  7. To report on the performance of lending products, provide information/reports to the Exco, credit committee, and pricing committee to inform product decisions.
  8. To manage risk and compliance findings.
  9. To manage internal audit findings.
  10. To manage the customer value proposition and yearly value add.
  11. To develop product competitive capabilities to improve Ubank market position.

Qualifications, experience, knowledge, skills & competencies


  • B.Comm/B.Sc. Degree is essential.
  • 3 to 5 years’ experience in a credit and product environment is essential.
  • 3 years’ experience in Customer Value Management is desirable.
  • 2 years’ experience specialising in pricing for risk is desirable.
  • 2 years’ experience data analytics is essential.
  • 5 years’ Financial Services experience essential.
  • 3 years’ product line experience desirable.
  • Qualifications, experience, knowledge, skills & competencies continued:

    • 2 years’ knowledge of relevant technology desirable.
    • 2 years’ working knowledge of Credit Risk practices desirable.
    • 3 years’ understanding of regulation e.g. NCA is essential.
    • 2 years’ knowledge of pricing for risk and profit value management is essential.
    • 1-3 years’ Product Management skills essential.
    • 1-3 years’ good communication skills is essential.
    • 1-3 years’ interpersonal skills essential.
    • 1-3 years’ Project Management skills essential.
    • 3-4 years’ analytical skills essential.
    • 1-3 years’ presentation skills essential.
    • 3 year’s business Report Writing essential.



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