Standard Bank Manager, Home Loans Jobs in Kenya
Job Purpose
To ensure overall accountability for acquiring home loans business via the external channels i.e. (Estate Agencies, Developers, Aggregators and Mortgage Originators, etc.). To provide senior-level relationship management, support, coordination and technical expertise to critical, high value external business partners as well as direct line management to the external channel home loans sales and key account management teams within the provincial structures.
Outputs
Mortgage product planning (strategic and operational)
Develops, coordinates and implements long, medium- and short-term strategies (aligned to CHNW and BCC Mortgage strategy) to maximize growth and profitability across the business
Forecasts market and product growth on a long-, medium- and short-term basis as may be required by the business from time to time
Formulates, allocates and communicates value propositions and strategies to the whole of CHNW and BCC teams
Monitors trends, identifies areas of opportunities and seeks feedback to facilitate improvements in all aspects of the product, sales, service, operations efficiency, and volume and value growth
Works with the Segments and Branch Network in order to understand and identify key business drivers, key influences and competitor activity and ensure that we offer solutions that are locally relevant
Identifies competitive threats and issues; and liaises with other members of CHNW and BCC to develop effective solutions to counter the prioritized issues and threats
The job holder will be responsible for the following deliverables in alignment with the Rest of Africa (RoA) Product Management Framework:
Generates Product Insights for Mortgage product covering
Economic Outlook and landscape
Competitor activity and analysis
Customer needs analysis for the target market and customer segments
Develops product plan and requirements for Mortgage product for
Features and Functionality
Match features and functionality with the Competition & the Segment CVPs and address any gaps.
Distribution, Servicing & Marketing strategy
Risk Appetite
Regulatory Compliance
Optimizes price by
Setting the pricing of Mortgage products using the ROE models to optimize profitability of the products
Develops, coordinates and implements long, medium- and short-term strategies (aligned to CHNW and BCC Mortgage strategy) to maximize growth and profitability across the business
Forecasts market and product growth on a long-, medium- and short-term basis as may be required by the business from time to time
Formulates, allocates and communicates value propositions and strategies to the whole of CHNW and BCC teams
Monitors trends, identifies areas of opportunities and seeks feedback to facilitate improvements in all aspects of the product, sales, service, operations efficiency, and volume and value growth
Works with the Segments and Branch Network in order to understand and identify key business drivers, key influences and competitor activity and ensure that we offer solutions that are locally relevant
Identifies competitive threats and issues; and liaises with other members of CHNW and BCC to develop effective solutions to counter the prioritized issues and threats
Stakeholder Management;
Maintains a visible and active presence across all the businesses to establish and support new and existing relationship platforms from which to support the product team to rollout financial solutions, which are able to attract new business and grow market share
Builds strong relationships with key stakeholders within and outside the bank, to ensure synergies and teamwork needed to optimize revenue growth and profitability.
Ensures credibility across all relevant functions in CHNW and BCC which is vital for the successful co-ordination and integration of product development and management activities
Measures:
Performing CHNW and BCC Mortgage book within set risk appetite CLR
Robust Mortgage framework
People Management
Responsible for inspiring, motivating, leading and managing the team.
Responsible for the recruitment, development and retention of relevant skills in order to meet the business need.
Ensures the effective selection of staff by matching the skills and competencies to the requirements of the job.
Builds organisational capabilities through evaluating likely future requirements and ensuring that individuals are provided with best possible development opportunities in line with these.
Creates an environment in which learning, and development are emphasised and valued.
Takes personal responsibility for coaching and mentoring others.
Effectively delegates authority and responsibility, in line with business objectives, to ensure the empowerment, motivation and effectiveness of all direct and indirect reports.
Promotes a culture where the values of the Bank are “lived”.
Ensures the implementation of the leadership promise and employee engagement programme.
Facilitates the views of team members, resolves issues raised by the team, escalates issues if required, and provides feedback to teams on an on-going basis.
Develops and maintains an open communication channel with direct reports and supports staff to foster teamwork.
Monitors and manages the performance and development of staff within the area. This includes regular one-on-one feedback sessions, conducting mid-year and final performance appraisals, as well as the moderation of all appraisals for the team.
Ensures staff are appropriately and consistently rewarded and recognised for their achievements and outputs.
Qualifications
Type of Qualification: First degree Business Commerce
Field of Study: Business Commerce
Advanced Excel; ACCA; Risk Management; and a qualification in Business Intelligence will be an advantage
Experience Required
Main Market Clients
Consumer & High Net Worth
5-7 years Experience in the field of home loans and related products, specifically in managing sales teams. Experience in developing and managing senior and executive level relationships with external parties and business partners is absolutely essential.
How to Apply
For more information and job application details, see; Standard Bank Manager, Home Loans Jobs in Kenya
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