Executive Unsecured Lending at Nedbank

Job Purpose

• Manage the Personal Loans, Student Loans and Overdraft Product across the value chain, through Client Insights, Product enhancements and active Stakeholder engagement across the Business to deliver Customer Value Proposition (CVP). Accountable for the product profitability and perfomance within credit risk parameters to achieve Nedbank's strategic objectives.

Job Responsibilities

• Develop, implement and evaluate CVP strategy and plan.
• Develop strategies to use existing Nedbank relationships and partnerships to gain market share.
• Collate strategic information from the market to enhance and / or create CVPs.
• Collaborate with value analytics to gather market intelligence and credit risk performance to assess and give input on CVP.
• Participate and provide input on relevant projects aimed at enhancing end user client experience.
• Ensure collaboration by engaging and managing relationships between stakeholders, thereby managing the end-to-end Personal Loans, Student Loans and Overdraft products across the value chain.
• Manage internal and external stakeholder awareness of product offerings and CVPs.
• Drive the launch of targeted CVPs across all channels to achieve sales targets.
• Meet product innovation objectives.
• Drive the achievement of financial targets and manage products within target credit risk range.
• Ensuring product health and governance.
• Manage costs within area to achieve budgetary targets.

Essential Qualifications - NQF Level

• Matric / Grade 12 / National Senior Certificate
• Advanced Diplomas/National 1st Degrees

Preferred Qualification

• MBA

Minimum Experience Level

• 5 - 10 years Product and related Credit experience in a similar role within banking/personal loans (unsecured credit) or financial services environment that provided the types of exposure listed above.

Technical / Professional Knowledge

• Capacity planning
• Change management
• Client service management
• Communication Strategies
• Financial Accounting Principles
• Governance, Risk and Controls
• Organisational behaviour theory
• Principles of project management
• Stakeholder management
• Strategic planning

Behavioural Competencies

• Customer Focus
• Establishing Strategic Direction
• Operational Decision Making
• Entrepreneurship
• Building Talent
• Driving Execution
• Sharing Responsibility

Closing Date: 03 May 2023