Job DescriptionWe are looking for a Product Lead with 7+ years' experience in Credit, Credit Regulations, and Credit Risk. The ideal candidate will have experience in leading a team and a good understanding of the product life cycle, launching products, and campaigns.
To drive the strategy towards customer-centric solutions through product management and deliberate customer value proposition development, ensuring practice integration and operational implementation through customer experience frameworks to achieve product portfolio management objectives and business targets.
Develop new credit value propositions and enablement processes for portfolio revenue growth.Control expenditure and identify process improvements to contain and reduce costs.Identify and utilise opportunities for revenue growth to deliver on sales targets.Develop, encourage, and nurture collaborative relationships across the area of specialisation.Display and encourage an appreciation of teamwork and inclusivity.Compile reports that track progress and guide business to make informed decisions.Ensure development and continuous value-add improvement to operational processes.Manage risks in own area of responsibility.Identify opportunities to expand the customer base with potentially profitable customers.Provide input into the development of the tactical strategy and develop and implement a supporting operational strategy.Manage team performance in achievement of business objectives.Build working relationships across teams and functional lines to enhance work delivery, collaboration, and innovation.Create solutions to meet customer demands to deliver internal and external customer service excellence through adherence to quality service standards.Ensure full understanding of customer needs to deliver a quality service.Ensure customer service solutions are aligned with the business operational plan, organisational values, and service standards.Communicate how customer service solutions will be implemented and secure buy-in.Manage and lead strategic projects.Ensure product knowledge and advice is technically accurate and provide customers with relevant information to keep them informed of products and service options.Ensure resolution of customer queries and complaints timeously and ownership of issues.Analyse customer feedback to help improve customer service.Propose ideas to improve customer service.Align business processes to strategy and clients.Conduct competitor analysis to identify opportunities for innovative new value propositions.Develop new credit initiatives and value propositions that align with various segment strategies, utilising current credit products to enable judgmental or scored credit portfolio growth.Design and implement processes that improve efficiency for any new credit product.Implement, monitor, and control business processes according to quality standards, policy, and compliance and governance requirements in the area of accountability.Ensure the development, alignment, mapping, and implementation of end-to-end processes aligned to the customer journey map.Research, enable, and consult on improvements and opportunities to harness technology and platform enablement.Review existing processes and suggest innovative ideas to improve and streamline processes to drive efficiencies and minimise redundancy.Monitor customer feedback reports and align processes to maximise efficiencies.Engage with customers to understand their unique requirements, drive value optimisation, and advise best options for product integration and wealth management.Manage the growth of the active customer account base.Coordinate and facilitate all approved strategic projects from inception to final execution, including post-implementation evaluation.Ensure compliance with relevant statutory, legislative, policy, and governance requirements in the area of accountability.Ensure implementation of relevant policies, governance, and practice standards across the business.Maintain knowledge of relevant legislative amendments, industry best practices, and internal compliance procedures and requirements.Ensure compliance is adopted in terms of systems and procedures as laid out by the organisation and review in response to audit findings and changes.Develop an understanding of risks and risk management approaches. Implement and provide input into the development of governance and compliance procedures and processes within the area of specialisation and identify risks.Educate others and make suggestions for improvements.Network and participate in specialist risk forums where required.Develop, encourage, and nurture collaborative relationships across the area of specialisation.Qualifications BCom DegreeBSCEngineeringAdditional Requirements Leading a teamCredit Card experienceCredit Regulations and ComplianceCredit RiskJob DetailsApplication Closing Date: 22/09/24
All appointments will be made in line with FirstRand Group's Employment Equity plan. The Bank supports the recruitment and advancement of individuals with disabilities. In order for us to fulfil this purpose, candidates can disclose their disability information on a voluntary basis. The Bank will keep this information confidential unless we are required by law to disclose this information to other parties.
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About UsServing retail and commercial customers, FNB is so much more than a bank, offering life and short-term insurance, innovative savings and investment products, and a digital universe of solutions that help customers navigate challenges and opportunities of everyday life. It has a market-leading app and a globally recognised rewards system in eBucks. FNB has won multiple awards, including the Strongest Banking Brand in the World in the Brand Finance Banking 500 2023 report. FNB represents multiple opportunities for you to build an exciting and rewarding career, especially if you want to change people's lives in an authentic, profound, and sustainable way.
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