Portfolio Manager: Unsecure Consumer Lending Function (eCommerce/Fintech) at Black Pen Recruitment

Job Description

Our client, a leading technology communications company in Europe and Africa, is looking to hire a Portfolio Manager (Unsecure Consumer Lending Function) to join their team in Midrand, Johannesburg, South Africa (Remote).

As Portfolio Manager you  will need to develop a portfolio of lending products, manage them through the stages of the Consumer Lending products life cycle as well as:

• Keep pace with the latest in industry & technology developments as well as the broader regulatory environment;
• Improve the overall revenue contribution and performance of lending products in the company
• Form part of the Super Application team, developing lending products for a payments Super Application.

Type: Full-Time | Remote (Remote working permitted until further notice)

Requirements

• Matric and a relevant 3 year Business degree essential
• Minimum of 8 years’ experience within the Consumer Lending industry is essential 
• Experience within a fintech or e-commerce  environment essential ​
• Prior Consumer lending product design and  development experience is essential 
• A detailed knowledge understanding of a the  fast-paced unsecured lending industry 
• Understanding of regulatory requirements
• Understanding of system requirements to  launch consumer lending offerings preferential; 

Key Accountabilities:

• Develop new innovative consumer lending  products 
• Identify and foster relationships/partnerships  with entities that are able to deliver on the  team’s product wishlist 
• Negotiate contracts and commercials with  identified partners 
• Build a brand new business with limited to no  pre-existing processes, controls and systems; 
• Grow existing products, such as Voucher Advance; 
• Build and manage a team to create and  maintain consumer lending offerings; 
• Development of the Consumer lending  marketplace proposition which will span  multiple segments from Consumer enterprise  
• Developing all relevant documentation,  providing inputs and evaluation for financial  business cases, defining business rules and  working with customer experience teams to define and refine existing and new customer  journeys 
• Revenue projections and forecasts for  revenue and analyse and identify shortfalls  and areas of improvement 
• Be an expert in making innovative, less than  R1000, lending products commercially viable; ∙ Provide insights to the broader team around  innovations and developments within  the Consumer Lending and Fintech industry ∙ 
• To regularly review launched products to  ensure the performance is in line with initial  assumptions and implement corrective  measures if needed and also look at how to  improve/enhance products 
• Keep track of competitor launches and take  measures to mitigate risks 
• Monthly product presentations for an  audience consisting of managing executives  and senior management  

Please Note: Only shortlisted candidates will be contacted.