Head, Secured Lending Product Economics

2 weeks ago

Johannesburg, South Africa Standard Bank Group Full time
Job title : Head, Secured Lending Product Economics Job Location : Gauteng, Johannesburg Deadline : December 11, 2024 Quick Recommended Links
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Job Description

  • To ensure the provision of product economics; performance tracking mechanisms; analytics as well as actively mitigating any revenue leakage or creation of revenue opportunities for VAF Global Products. To define and where relevant provide guidance on product input and exit pricing.

Qualifications

Minimum Qualifications

  • First Degree in  Business Commerce

Experience Requirements 

  • 7-10 years of experience in analyzing product profitability and understanding lagging and leading indicators within the financial service industry. 
  • Knowledge and understanding of Vehicle and Asset finance 
  • Experience in cost analysis, credit risk, income management and capital management.
  • Preparing and monitoring risk appetite framework in alignment with the broader VAF strategy in consultation with Credit.
  • Identifying new revenue streams and product efficiencies to enable headline earnings growth.
  • Providing input and guidance on revenue leakage, revenue optimization, revenue mix and performance metrics.
  • Providing consolidated oversight and insights of all initiatives undertaken.
  • Tracking and forecasting revenue and costs to ensure alignment with budgeted expectations (e.g. performance (headline earnings, balance growth, volumes, new accounts, cross-sell, up-sell) and business case materialization.
  • Actively driving the product target setting (budgeting), at all iterations i.e. RE’s, etc.
  • Tracking and forecasting origination, closures, pre-payments, cross-sell, dormancy, usage and product lifecycle trends and influences responsible functions by provision of relevant insights.
  • Tracking actual product performance and providing guidance on the tactical implementation to deliver the desired results in the front line and drives lowest cost of delivery for product strategy. 
  • Advising product management on key financial drivers that impact on product economics, including economic profit, funding costs and capital management.
  • Managing product portfolio financials and regulatory requirements.
  • Analyzing and presenting emerging market trends and associated risks and opportunities.
  • The incumbent needs to have an in depth understanding of VAFs product levers in order to avoid manage shareholder value add.
  • Managing front line adherence to product requirements in a decentralized model.
  • There must be comfort in ability to handle a large degree of complexity and variation across the Africa Regions – each with their own economic drivers, legislation and targets.
  • Continuous legislative changes need to be taken into account.
  • The incumbent needs to be able exert significant influence in Africa Regions

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