Head, Specialised Lending at Standard Bank Group

JOB PURPOSE

To build a profitable Commercial Property book and deliver innovative and cost-effective Specialized Lending solutions in North West and Kopano , scaling across Client Segments impacting all sale channels, by maximising and optimising Vehicle and Asset Finance and Home loans business' competitive advantage which will enable the bank to increase its market share in asset financing.

KEY RESPONSIBILITES

Strategy

• Work with the Segments and Branch Networks to understand and identify key business drivers, key influences and competitor activities in order to offer solutions that are locally relevant and in demand
• Identify competitive threats and challenges; and liaise with other members of Client Segments to develop effective solutions to counter/mitigate the prioritized issues and threats

Client

• Manage the holistic Client Segments Specialized Lending value chain to maximize revenues and profitability in line with Client Segments objectives
• Drive product fulfilment by ensuring that customers receive a consistently, high-quality service by effectively managing the Home Loans post approval process and developing all available resources (staff, systems, processes)
• Risk, Regulatory, Prudential and Compliance
• Manage the holistic product organisation within defined regulatory and compliance tolerance levels by fully comprehending the scope and limitations thereof

Product

• Generate product insights for Specialized Lending products by understanding the economic outlook and landscape, integrating competitor activities and analyses, and conducting customer needs analysis for the target markets and Client Segments
• Develop product plans and requirements for Specialized Lending products by including features, match features (with the competition and the segment CVPs and functionalities to meet local demand more effectively

People

• Review the performance of Client Segments by driving regular feedback meetings with Credit, Operations, Pricing and Capital Management as well as Segment heads
• Influence and represent the Client Segments' business on all product related matters at different forums within and beyond Stanbic Bank

Financial Management

• Manage expenses of the Specialized lending Products area within budget through establishing and monitoring the operating expenditure budget control measures for the team, ensuring that revenue and expenditure is accounted for in a systematic manner
• Drive the execution of operational affairs of Client segments Specialized Lending and ensure operations are administered effectively by setting the product level budget for the year covering Balance Sheet Growth, NII, NIR, Expenses, CLR, reviewing sales targets to align with the Balance Sheet Growth forecasted, setting the risk appetite for the products, and reviewing the CRMC papers before submission

Data

• Provide insight into the performance of products by preparing and presenting management reports to the business on a regular basis

QUALIFICATIONS

• Completed Business Commerce Degree
• Minimum 5-7 years significant experience in the design, development, scaling, entrenchment, & commercialization of Specialized Lending products in Ghana.
• Extensive knowledge of the automotive industry & the entire value chain of asset-based finance.
• Sound experience and knowledge in Credit & Compliance matters, as well as people management, leading teams & motivating people.