Head, Secured Lending Product Economics - Johannesburg - Standard Bank of South Africa Limited

    Standard Bank of South Africa Limited
    Standard Bank of South Africa Limited Johannesburg

    1 week ago

    Standard Bank Of South Africa Limited background
    Accounting / Finance
    Description

    Job Description

    This role is responsible for ensuring the provision of product economics, performance tracking mechanisms, and analytics to mitigate revenue leakage or create revenue opportunities for VAF Global Products.

    Key Responsibilities

    • Define and provide guidance on product input and exit pricing as needed.

    Requirements

    • Bachelor's Degree in Business Commerce.
    • 7-10 years of experience in analyzing product profitability and understanding lagging and leading indicators within the financial services industry.
    • Knowledge and understanding of Vehicle and Asset finance.
    • Experience in cost analysis, credit risk, income management, and capital management.
    • Preparing and monitoring risk appetite framework in alignment with the broader VAF strategy in consultation with Credit.
    • Identifying new revenue streams and product efficiencies to enable headline earnings growth.
    • Providing input and guidance on revenue leakage, revenue optimization, revenue mix, and performance metrics.
    • Providing consolidated oversight and insights of all initiatives undertaken.
    • Tracking and forecasting revenue and costs to ensure alignment with budgeted expectations.
    • Actively driving the product target setting (budgeting) at all iterations.
    • Tracking and forecasting origination, closures, pre-payments, cross-sell, dormancy, usage, and product lifecycle trends and influences responsible functions by provision of relevant insights.
    • Advising product management on key financial drivers that impact product economics.
    • Managing product portfolio financials and regulatory requirements.
    • Analyzing and presenting emerging market trends and associated risks and opportunities.
    • The incumbent needs to have an in-depth understanding of VAFs product levers to avoid managing shareholder value add.
    • Managing front line adherence to product requirements in a decentralized model.
    • There must be comfort in the ability to handle a large degree of complexity and variation across the Africa Regions.
    • Continuous legislative changes need to be taken into account.
    • The incumbent needs to be able to exert significant influence in Africa Regions.

    Additional Information

    • Articulating information
    • Developing strategies
    • Directing people
    • Empowering individuals
    • Interacting with people
    • Making decisions
    • Providing insights
    • Resolving conflict
    • Thinking positively
    • Product knowledge (Vehicle and Asset Finance)
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