Head of Product: Unsecured Credit

2 days ago

Sandton, South Africa Discovery Ltd. Full time

**Business Unit**:Discovery Bank

**Function**:Product Management (Technical)

**Date**:29 Jan 2025

**About Discovery**

Discovery’s core purpose is to make people healthier and to enhance and protect their lives. We seek out and invest in exceptional individuals who understand and support our core purpose, and whose own values align with those of Discovery. Our fast-paced and dynamic environment enables smart, self-driven people to be their best. As global thought leaders, Discovery is passionate about innovating in order to not only achieve financial success, but to ignite positive and meaningful change within our society.

**About Discovery Bank**
- Discovery Bank is a bank like no other - a shared-value bank, designed with our clients in mind. We’re all about sharing the value that clients create when they manage their money well, back with them through exceptional interest rates and rewards. Our Vitality Money programme measures how well clients manage their finances, informs them of what it means to be financially healthy, and empowers them with the knowledge to get enhanced rewards for managing their money well. If you’re adaptable, a problem-solver, always questioning the way things are done, passionate about doing what is right, and obsessed with providing a quality service experience, we have a job for you where you can be your best in an environment that’s safe and nurturing

**Job Purpose**
- We are seeking a dynamic and experienced Head of Unsecured Credit Product to lead and grow our unsecured credit portfolio. This role will focus on expanding our existing product offerings and driving further product enhancements to meet the evolving needs of our customers.

**Key Responsibilities may include but are not limited to**:

- **Strategic Leadership**: Develop and execute strategies to grow the unsecured credit book, ensuring alignment with the bank's overall objectives.
- **Product Development**: Lead the enhancement of existing unsecured credit products and the development of new offerings to drive customer acquisition and retention.
- **Market Analysis**: Conduct market research and competitive analysis to identify opportunities for product innovation and differentiation.
- **Risk Management**: Collaborate with risk management teams to ensure robust credit policies and procedures are in place.
- **Performance Monitoring**: Track and analyze product performance, using data-driven insights to optimize product features and pricing.
- **Stakeholder Collaboration**: Work closely with cross-functional teams, including marketing, sales, and operations, to ensure seamless product delivery and customer satisfaction.
- **Regulatory Compliance**:Ensure all products comply with relevant regulations and internal policies

**Technical Skills or Knowledge**
- Strong analytical and strategic thinking skills.
- Excellent leadership and team management abilities.
- In-depth knowledge of market trends and regulatory requirements.
- Exceptional communication and interpersonal skills.

**Qualifications and Experience**
- Bachelor's degree in Finance, Business, or a related field
- MBA is advantageous
- 8-10 years’ experience in unsecured credit product management within the banking sector.
- EMPLOYMENT EQUITY

The Company’s approved Employment Equity Plan and Targets will be considered as part of the recruitment process. As an Equal Opportunities employer, we actively encourage and welcome people with various disabilities to apply.

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