Head of Product Development and Credit Lending

6 months ago

Johannesburg, South Africa Recruiter Ruth | Performability Recruitment Full time

**INSURGENCE**: noun
**_Being an active challenger_**
- : _**_Prepared to break new ground and create a large increase_**

**_ -_**

An exciting, once in a career opportunity awaits an experience Credit and Lending Propositions Manager with a history of inspirational and strategic leadership.

This New Product and Credit Lending manager will play a critical part of an innovative and expanding fintech company.

If you
- Can** list new and improved products and services you have designed **(or been a key part of designing) be it a physical, digital and mobile
- Are experienced with translating the company business strategy into Credit and Lending products and solutions
- Come from an **innovative/ fintech** background**
- Are accustomed to close interactions with both **external and internal stakeholders**:

- And accustomed to** intense cross-functional collaboration** to bring your products and service to life
- Seeking a culture that is **transparent and authentic **with a strong and deliberate focus on ethical and accountable behaviours
- Treating their staff, colleagues, customers and merchant partners with **care and respect** is a **core belief** in parallel to **d**iversity and inclusion at all levels**:

- ** You've been trying to find a way to use your skillset to play an** active role in improving the wellbeing of the communities the clients and merchants live within
- Bonus points if you have worked with the underbanked and underserved consumers of South Africa

...KEEP READING AND PREPARE TO APPLY FOR YOUR FUTURE.

**MUST HAVE**
- 8+ years experienceEnd-to-end Product Life-cycle Management (research, design, development and execution of products and solutions, from strategic context right through to market go-live as well as in-market continuous management)/ (Credit Cards, Short-term Lending)
- Minimum - Undergraduate degree in business and/or commerce
- 5+ years experience in Credit Customer Value Propositions Management
- 3-5+ years Risk and Compliance exposure in Financial Services
- 5+ years experience in Product Marketing
- 5+ years experience in Income Statement management
- Project management experience will be an advantage.

**DUTIES**

**Product research and development and delivery**
- Accountable for market research relevant to the client base we aim to service
- Understands the industry opportunities, current and future trends, market supply and demand, pricing, profit drivers, main competitors and enabling suppliers.
- Knowledge and understanding of competitors and formal and informal products operating in the market
- Accountable for the effective design, build and delivery within agreed timelines of the proposition products, features and solutions including scoping, design and implementation of this includes BRS documentation, case studies, test cases
- Understands the IT landscape for the selected products and features to ensure they are appropriate for the products and solutions that go to market
- Facilitate the relationship between various functions that are integral for the delivery of products and market solutions
- Conducts research, analysis and interprets the customer insight data in terms on an ongoing basis
- Continuously ensures that the solution built is aligned and relevant to the client value journey

**Risk appetite and pricing**
- Ensure Risk Appetite and Pricing is in line with the stipulations of NCA
- Establish and maintain the Risk Appetite for the Credit Portfolio
- Understand governance & compliance requirements in line with products and solutions that are brought to market.
- Custodianship of product pricing in accordance with the Risk Appetite, Risk-based Pricing models and the NCA
- Establish and manage customer monitoring structures and processes to ensure pricing is competitive, aligned to the risk appetite and can meet client requirements.
- Ongoing evaluation of product revenue, servicing cost structures and market penetration i.e., continuous assessment of overall product profitability and cost drivers
- Stakeholder Engagement and Management
- Ensures alignment between all stakeholders through effective communication
- Manages the relationships with all internal stakeholders that are part of the solution
- Ongoing engagement with relevant stakeholders in relation to market conduct, risk and compliance requirements
- Provide input into Learning and Development as required to support the products and solutions in the market

**Go-to Market**
- Works with the relevant go-to-market teams to promote the products and solutions appropriately
- Guides the change and marketing teams to articulate the marketing initiatives required promote the products and solutions effectively
- Analyses and interprets feedback received from customers and staff regarding the products and solutions and ensures necessary actions are taken to address and challenges and issues

**Reporting and monitoring**
- Establishes relevant performance targets and metrics
- Ensure adequate an

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