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HFC Limited, the banking and property finance subsidiary of HF Group, has an exciting opportunity in our Retail Department. We are seeking a talented, dynamic, self-driven, and results-oriented individual who is committed to performance, excellence, and participating in our growth strategy.
The role involves:
- Positioning the Bank’s lending solutions suite for sustainable growth
- Managing the performance and profitability of lending products
- Overseeing lending product processes and governance
- Disseminating lending product knowledge
- Executing lending strategy
Responsibilities also include:
- Working with stakeholders to implement the lending business strategy
- Collaborating with strategic partners to enhance customer experience for digital lending solutions
- Leading the development, design, and implementation of lending solutions
- Maximizing service adoption and improving product offerings
- Ensuring compliance with regulations and gaining an in-depth understanding of customer needs.
Deadline: 2025-02-17
Category: Operations/Governance
Subsidiary: HFC
Principle Accountabilities
Financial
- Maximize net interest income from the portfolio.
- Manage and grow the non-funded income line and minimize revenue leakage from lending solutions.
- Digitize processes to minimize costs
Strategic Product Planning and Management
- Work with stakeholders to align with business goals, and create profitability metrics for products.
- Lead the transition to digital lending product delivery.
- Monitor market trends and conduct competitive analysis to drive innovation in the online customer journey.
- Provide ongoing support and training to bank staff on new systems and products.
- Manage relationships with third-party partners and oversee service-level agreements.
- Develop and implement the strategy for Digital Lending Products in partnership with key stakeholders.
- Support the implementation of credit card solution
- Drive digital lending uptake.
Internal business processes
- Conduct quarterly Branch and channel visits to ensure “best practice” is consistently delivered.
- Develop clear product guides for lending products to ease communication and management of products.
- Control and periodically check operational risks and workflow
- Develop robust customer-centric processes that improve the turnaround time of service delivery
- Drive the system towards service quality standards in an efficient operation where risks are well controlled.
- Ensure compliance with internal/external regulatory policies, procedures, and guidelines.
Customer Acquisition
- Establish feedback systems for lending products.
- Provide feedback on asset product sourcing.
- Support RM teams’ sales efforts.
- Review and manage customer portfolio for growth.
- Develop bank growth strategies.
- Coordinate marketing and distribution strategies for lending products.
Key Competencies and Skills
Technical Competencies
- Problem analysis and solving
- Organizational and planning skills
- Judgment and decision-making skills
- Attention to detail
- Negotiating skills
- Creativity
- Writing skills
Behavioural Competencies
- Communication skills
- Goal driven and results oriented
- Customer orientation
- Presentation skills
- Interpersonal skills
- Proactive initiator
Minimum Qualifications, Knowledge and Experience
Education
- Bachelor’s Degree
Professional:
- Training in various Banking operations
- Training in Various product development and management
- Training in credit risk policies and processes
Desired work experience:
- 3 years of experience with at least 2 years’ in product development in a financial service environment.
- Metrics-driven: Strong analytical and synthesis skills, including the ability to absorb and process large amounts of data into actionable information.
- Knowledge of marketing principles and practices.
- Knowledge of business and management principles and practices.
- Project management skills.
- Proficient in relevant software applications.
