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Head, Secured Lending Product Economics
Standard Bank of South Africa LimitedJohannesburg, Gauteng, South Africa30+ days ago
Job description7-10 years of experience in analyzing product profitability and understanding lagging and leading indicators within the financial service industry. Knowledge and understanding of Vehicle and Asset finance. Experience in cost analysis, credit risk, income management and capital management. Preparing and monitoring risk appetite framework in alignment with the broader VAF strategy in consultation with Credit. Identifying new revenue streams and product efficiencies to enable headline earnings growth. Providing input and guidance on revenue leakage, revenue optimization, revenue mix and performance metrics. Providing consolidated oversight and insights of all initiatives undertaken. Tracking and forecasting revenue and costs to ensure alignment with budgeted expectations (e.g. performance (headline earnings, balance growth, volumes, new accounts, cross-sell, up-sell) and business case materialization). Actively driving the product target setting (budgeting), at all iterations i.e. RE’s, etc. Tracking and forecasting origination, closures, pre-payments, cross-sell, dormancy, usage and product lifecycle trends and influences responsible functions by provision of relevant insights. Tracking actual product performance and providing guidance on the tactical implementation to deliver the desired results in the front line and drives lowest cost of delivery for product strategy. Advising product management on key financial drivers that impact on product economics, including economic profit, funding costs and capital management. Managing product portfolio financials and regulatory requirements. Analyzing and presenting emerging market trends and associated risks and opportunities. The incumbent needs to have an in-depth understanding of VAFs product levers in order to manage shareholder value add. Managing front line adherence to product requirements in a decentralized model. There must be comfort in ability to handle a large degree of complexity and variation across the Africa Regions – each with their own economic drivers, legislation and targets. Continuous legislative changes need to be taken into account. The incumbent needs to be able to exert significant influence in Africa Regions. Articulating Information Developing Strategies Directing People Empowering Individuals Interacting with People Making Decisions Providing Insights Resolving Conflict Thinking Positively Product Knowledge (Vehicle and Asset Finance)
Business Segment : Personal & Private Banking
To ensure the provision of product economics; performance tracking mechanisms; analytics as well as actively mitigating any revenue leakage or creation of revenue opportunities for VAF Global Products. To define and where relevant provide guidance on product input and exit pricing.
Minimum Qualifications
- First Degree in Business Commerce
Experience Requirements
Additional Information
Please note : All our recruitment processes comply with the applicable local laws and regulations. We will never ask for money or any form of payment as part of our recruitment process. If you experience this, please contact our Fraud line on or
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Head Product • Johannesburg, Gauteng, South Africa
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