Principle Accountabilities

• Defining and embedding a long-term Product strategy for Borrowing
• Deliver analysis to drive value-add action in the sales Team for lending solutions
• Engage with segment owners and market activators to achieve product uptake and utilization to meet revenue targets as well as increase lending use-cases on the digital platform
• Ensure growth through product development, new acquisitions, deepening existing relationships as well as developing strategic alliances with tactical partners to drive uptake.
• Formulate and come up with product strategies that competitively address identified and emergent market opportunities
• Using his/her customer experience and credit expertise to wow customers at every point of their lending journey and prompt resolution to the issues raised.
• Monitoring market trend and carrying out competitive analysis of the Lending market with an intent to continuously innovate around online customer journey with enhanced customer experience and satisfaction, especially on Digital platforms
• Providing support and training continually to bank staff on new systems, products and lending policy updates.
• Ensuring the Portfolio management of Lent facilities across the bank channels.
• Give inputs for development of product/ service bundles, with a view to aid client deepening and cross-sell across segments.
• Provide regular market reviews, advise the bank on optimal processes, procedures, and fees to ensure maximum products profitability
• Manage ongoing relationships with all third parties as well as responsible for developing and implementing service level agreements between the bank and third parties.

Minimum Qualifications, Knowledge and Experience

• Bachelor’s degree in a business-related field from a recognized university
• MBA is an added advantage.
• 7 years of work experience, with 3+ years products management and product development preferably in middle/senior management level.

Key Competencies and Skills

• Re-engineering of business, technology, and operational processes.
• Detailed knowledge of the core set of Retail Products and Services.
• Broad understanding of policies and strategies across the Group as they relate to the demands of the customer base.
• Good knowledge of the products & services available in bank functions is also required to satisfy the individual financial needs of business owners/key individuals.
• Knowledge of the Current Market and competitive lending positioning

Principle Accountabilities

• Formulate and come up with product strategies that competitively address identified and emergent market opportunities
• Ownership of existing and new CASA products and its variants
• Ensure growth through product development, new acquisitions, deepening existing relationships as well as developing strategic alliances with tactical partners to drive uptake.
• Engage with segment owners and market activators to achieve product uptake and utilization to meet revenue targets as well as increase deposit accounts use-cases
• Manage the product lifecycle to ensure that the portfolio remains relevant and profitable
• Provide regular market reviews, advise the bank on optimal policies, processes, procedures, and fees to ensure maximum products profitability
• Responsible for the profit and loss of liability products by containing costs and maximizing revenues
• Continuously engage with internal and external partners to upgrade and innovate products to provide value-added benefits to the customers that builds the bank’s Liability book.
• Providing support and training continually to bank staff on new systems, products and policy updates.
• Supporting financial requirements of product management including pricing, budgets, forecasts and profitability.
• Give inputs for development of product/ service bundles, with a view to aid client deepening and cross-sell across segments.
• Give inputs for development of a standardized client value proposition, and oversee roll out of the sam

Minimum Qualifications, Knowledge and Experience

• Bachelor’s degree in a business-related field from a recognized university
• MBA is an added advantage.
• 7 years of work experience, with 3+ years products management and product development preferably in middle/senior management level.

Key Competencies and Skills

• Re-engineering of business, technology, and operational processes.
• Detailed knowledge of the core set of Retail Products and Services.
• Broad understanding of policies and strategies across the Group as they relate to the demands of the customer base.
• Good knowledge of the products & services available in bank functions is also required to satisfy the individual financial needs of business owners/key individuals.
• Good knowledge of the Current Market and competitive Liabilities positioning

Principle Accountabilities

• Cross selling of HFC Banks products by establishing new relationships in order to grow both assets and liabilities book.
• Maintaining customer relation by regular contact to ensure customer satisfaction business continuity
• To review accounting opening forms and loan applications by scrutinizing the documents to ensure they are KYC Compliant.
• To check data entry by verifying the data captured against source documents to ensure accuracy in data capture.
• To analyze mortgage loan applications by interviewing the customers.
• To identify customers borrowing needs by interviewing so as to ensure selling of the right mortgage product.
• To safeguard bank assets by being a dual custodian to minimize frauds and losse

Minimum Qualifications, Knowledge and Experience

• A Business related degree
• 3 years in Banking Industry

Key Competencies and Skills

• Team Work
• Listening skills
• Selling skills
• Analytical skills
• Negotiation skills
• Communication skills
• Product knowledge