Vacancy-UNSECURED LENDING MANAGER – IRC139432 Wanted At FNB

The successful incumbent will be accountable for driving the balance sheet growth of the Bank’s unsecured lending portfolio growth with a view to maximize profitability and grow market share by delivering a competitive product suite. The focus of the role is drive unsecured loan sales and strategy and manage personal growth to by liaising with channels, credit and segments.

• Develop strategies (product, marketing, sales, and service) to grow the business across segments and channels for retail banking.
• Ensure a unified vision, strategies and goals in order to align business efforts across all product houses and channels that serve the customer.
• Ensure growth in profit, balance sheet and sustainability indicators such as customer growth, market share.
• Preparation of detailed reports for committee and board meetings and related regulatory compliance.
• Pull strategic resources together (Marketing, Finance, Service, MI etc) to ensure efficiency, growth and profitability of the Unsecured Lending portfolio.

• Ensure strategic continuity between all segments within retail. (consumer, premier and premium)
• Ensure robust pricing matrices are employed to maximize interest income for schemes and non-schemes loans to ensure market competitiveness and revenue growth.
• Closely manage the unsecured loan portfolio growth in line with the bank’s risk appetite • Developing customer service improvement strategies and maintain strategic relationships with key stakeholders to achieve excellent customer experience.
• Identifying product enhancement and pricing opportunities for growth of unsecured lending portfolio
• Assess, analyze, define, recommend, implement and follow up market intelligence, and marketing plans in order to meet retail strategic objectives
• Manage teams and individuals to high performance; namely sales and service coordinator, product liaison officer, operations manager, service manager and Indirectly Direct sales agents team leader and teams.
• Ensuring return on investment by managing pricing, expenditure in marketing and other controllable costs.
• Manage relationship with top companies and schemes

• 3 to 5 years’ experience in a financial institution, 1 of which should have been at supervisory or management level
• Business, Banking or Finance First Degree
• Certificate of Proficiency in Insurance (COP)

• Customer service orientation
• Quality orientation
• Flexibility
• People skills
• Persuasiveness / Selling Skills
• Analytical and attention to detail
• Leadership skills
• Commercial and Financial Acumen
• Business Insight and Risk Awareness

Interested applicants are requested to log onto https://www.firstrandjobs.mobi/ and upload their curriculum Vitae’s (CV’s) no later than 30th December 2017.