Description

To own the end-to-end strategy, performance, and lifecycle of Lending products at country level. Drive market positioning, growth acceleration, and profitability targets. Makes high-impact decisions on pricing, risk, investments, and partnerships while championing innovation and digital transformation.

Qualifications

Type of Qualification: First Degree
Industry: Banking & Financial Institutions

Experience Required

• 8-10 years

Core Competencies

Strategic Ownership, Execution & Delivery

• Owns the end-to-end Lending strategy, translating market insights into actionable plans. Drives execution with measurable impact, ensuring initiatives deliver growth, profitability, and ROE targets.

Analytical & Insight-Driven and Data-Driven Decision Making

• Leverages advanced analytics and competitor intelligence to diagnose portfolio performance, identify growth levers, and make high-impact decisions that shape lending economics.

 Leadership, Accountability & Prioritisation in Dynamic Environments

• Operates with autonomy and authority, taking full ownership of outcomes. Demonstrates agility in prioritising high-value initiatives and influencing cross-functional teams to deliver results.

Ability to Create Compelling Propositions and Customer Centric Mindset

• Transforms insights into innovative lending solutions that resonate with customer needs, embedding personalisation and digital-first experiences to enhance client satisfaction.

Commercial Acumen & Financial Stewardship

• Deep understanding of lending economics, pricing strategies, and profitability levers. Applies sound financial judgment to optimise margins, manage risk-reward trade-offs, and grow the balance sheet.

Digital & Innovation Leadership

• Champions digitisation and modern lending platforms to deliver cutting-edge solutions. Drives adoption of digital origination and automation to improve efficiency and client experience.

Regulatory & Risk Governance

• Influences governance forums and embeds proactive risk management into product strategy. Balances innovation with compliance, ensuring portfolio health and regulatory adherence.

Credit Strategy & Portfolio Optimisation

• Demonstrates deep understanding of credit scorecards and credit strategies to unlock growth opportunities within the portfolio, enabling sustainable balance sheet expansion

Additional Information

Behavioural Competencies:

• Adopting Practical Approaches
• Embracing Change
• Generating Ideas
• Producing Output
• Seizing Opportunities
• Upholding Standards