Asset Products Manager

Main purpose of the job:

The strategic planning, product design, product management and product performance of Personal and Business Lending Products.

Key Responsibilities:
- Product performance & profitability (financial performance)
- Product target setting (budgeting)
- Product alignment with customer value propositions and the business operating model
- Development and implementation of lending product strategies
- Conceptualisation & development of new lending products
- Continuous enhancement of existing lending products
- Identification of new business, revenue and cost reduction opportunities
- Effective product interest rate management and product pricing
- Product process enhancements/re-engineering
- Development of product sales / service tools
- Product support to network
- Customer and branch query resolution
- Conceptualisation of loans sales campaigns
- General product management
- Delivery of key projects together with Manager Projects and Change Management
- Set and manage lending portfolios within agreed risk appetite parameters
- Review and set product parameters and credit policy to align with business plan/objectives
- Understanding of the credit quality of lending portfolios
- Monitoring, understanding and reacting to business/competitive environment
- Provision of appropriate management information

Experience
• At leat 3 years experience in product management
• Experience in Credit management
• Experience in the development of strategic and tactical product and business plans
• Experience in product design and development
• Experience in understanding customer behaviour
• Experience in interest rate management