Job Description

We are looking for a Product Lead with 7+ years' experience in Credit
Credit Regulations
Credit Risk
Experience in leading a team
Good understanding of product life cycle
Launching products and campaigns
To drive the strategy towards customer centric solutions through product management and deliberate customer value proposition development ensuring practice integration and operational implementation through customer experience frameworks to ensure the achievement of product portfolio management objectives and business targets are metDevelop new credit value propositions and enablement processes portfolio revenue growthControl expenditure and identify process improvements to contain and reduce costsIdentify and utilise opportunities for revenue growth to deliver on sales targetsDevelop, encourage and nurture collaborative relationships across area of specialisationDisplay and encourage an appreciation of teamwork and inclusivityCompile reports that track progress and guide business to make informed decisionsEnsure development and continuous value add improvement to operational processesManages risks in own area of responsibilityIdentify opportunities to expand customer base with potentially profitable customersProvide input into the development of the tactical strategy, and develop and implement a supporting operational strategyManage team performance in achievement of business objectivesBuild working relationships across teams and functional lines to enhance work delivery, collaboration and innovationCreates solutions to meet customer demands to deliver internal and external customer service excellence through adherence to quality service standardsEnsure full understanding of customer needs to deliver a quality serviceEnsure customer service solutions are aligned to the business operational plan; Organisational values and service standardsCommunicate how customer service solution will be implemented and secures buy-inManage and lead strategic projectsEnsure product knowledge and advice is technically accurate and provide customers with relevant information to keep them informed of products and service optionsEnsure resolution of customer queries and complaints timeously and ownership of issuesAnalyse customer feedback to help improve customer servicePropose ideas to improve customer serviceAlign business process to strategy and clientsConduct competitor analysis to identify opportunities for innovate new value propositionsDevelop new credit initiatives and value proposition, which align with the various segment strategies, utilising current credit products to enable judgmental or scored credit portfolio growthDesign and implement processes that improve efficient for any new credit productImplement, monitor and control business processes according to quality standards; policy; and compliance and governance requirements in area of accountabilityEnsure the development, alignment, mapping and implementation of end-to-end processes aligned to the customer journey mapResearch, enable and consult on improvements and opportunities to harness technology and platform enablementReview existing processes and suggest innovative ideas to improve and streamline processes to drive efficiencies and minimise redundancyMonitor customer feedback reports and align processes to maximise efficienciesEngage with customers to understand their unique requirements, drive value optimisation and advise best options for product integration and wealth managementManage the growth of active customer account baseCoordinate and facilitate all approved strategic projects from inception to final execution, including post implementation evaluationEnsure compliance with relevant statutory, legislative, policy and governance requirements in area of accountabilityEnsure implementation of relevant policies, governance and practice standards across the businessMaintain knowledge on relevant legislative amendments, industry best practices and internal compliance procedures and requirementsEnsure compliance is adopted in terms of systems and procedures as laid out by organisation and review in response to audit findigns and changesDevelops an understanding of risks and risk management approaches Implement and provide input into the development of governance and compliance procedures and processes within area of specialisation and identify risksEducates others and makes suggestions for improvementsNetworks and participates in specialist risk forums where requiredDevelop, encourage and nurture collaborative relationships across area of specialisation

Qualifications

BCom DegreeBSCEngineering

Additional Requirements

Leading a teamCredit Card experienceCredit Regulations and ComplianceCredit RiskJob Details

Take note that applications will not be accepted on the below date and onwards, kindly submit applications ahead of the closing date indicated below.

27/01/25

All appointments will be made in line with FirstRand Group’s Employment Equity plan. The Bank supports the recruitment and advancement of individuals with disabilities. In order for us to fulfill this purpose, candidates can disclose their disability information on a voluntary basis. The Bank will keep this information confidential unless we are required by law to disclose this information to other parties.