Job
Title: Officer, Unsecured Lending Products
Title: Officer, Unsecured Lending Products
Organisation: Stanbic Bank
Job
ID: 12623
ID: 12623
Duty
Station: Kampala, Uganda
Station: Kampala, Uganda
About
US:
US:
Stanbic Bank Uganda Limited is a
subsidiary of Stanbic Africa Holdings Limited which is in turn owned by
Standard Bank Group Limited (“the Group”), Africa’s leading banking and
financial services group. The Standard Bank Group is the leading banking group
focused on emerging markets. It is the largest African banking group ranked by
assets and earnings. Stanbic Bank Uganda Limited is the largest bank in Uganda
by assets and market capitalization. It offers a full range of banking services
through two business units; Personal and Business Banking (PBB), and Corporate
and Investment Banking (CIB).
subsidiary of Stanbic Africa Holdings Limited which is in turn owned by
Standard Bank Group Limited (“the Group”), Africa’s leading banking and
financial services group. The Standard Bank Group is the leading banking group
focused on emerging markets. It is the largest African banking group ranked by
assets and earnings. Stanbic Bank Uganda Limited is the largest bank in Uganda
by assets and market capitalization. It offers a full range of banking services
through two business units; Personal and Business Banking (PBB), and Corporate
and Investment Banking (CIB).
About PBB:
The Personal
Banking and Business PBB products function for Stanbic Bank Uganda has been
operating in a segmented structure approach. The various PBB markets, i.e
Personal Banking and Business Banking were supported by dedicated teams with
the Personal Markets team having 12 product staff members while the Business
Banking team had 2 product staff handling only the Transactional and
Liabilities products. The BB lending products were handled at Segment level by
the various segment and Proposition Heads. The
fragmentation of the products function led to some segments being more
profitable given the level of attention that they got compared to others. In addition, it
was hard for the Segment and proposition heads to run after the sales,
relationship management and also run with the product management. Furthermore, a
PBB 2015 advisory product audit sited that despite the effort that had been
made to align the products in the various segments, there was need to form a
fully-fledged product house domiciled in one place to deal with the product
management and governance issues in a more holistic approach under one
umbrella.
Banking and Business PBB products function for Stanbic Bank Uganda has been
operating in a segmented structure approach. The various PBB markets, i.e
Personal Banking and Business Banking were supported by dedicated teams with
the Personal Markets team having 12 product staff members while the Business
Banking team had 2 product staff handling only the Transactional and
Liabilities products. The BB lending products were handled at Segment level by
the various segment and Proposition Heads. The
fragmentation of the products function led to some segments being more
profitable given the level of attention that they got compared to others. In addition, it
was hard for the Segment and proposition heads to run after the sales,
relationship management and also run with the product management. Furthermore, a
PBB 2015 advisory product audit sited that despite the effort that had been
made to align the products in the various segments, there was need to form a
fully-fledged product house domiciled in one place to deal with the product
management and governance issues in a more holistic approach under one
umbrella.
Job Summary: The Officer
will support the Bank’s Unsecured Lending Manager in the delivering of the
expected ROE for unsecured lending product with in the set risk appetite
will support the Bank’s Unsecured Lending Manager in the delivering of the
expected ROE for unsecured lending product with in the set risk appetite
Key Duties and Responsibilities:
1.
UPL balance sheet growth and sustainability:
UPL balance sheet growth and sustainability:
·
UPL product performance in line with the set Risk
Appetite metrics
UPL product performance in line with the set Risk
Appetite metrics
·
Provide branch and segment target setting and
support
Provide branch and segment target setting and
support
·
Responsible for the implementation of agreed UPL
strategies
Responsible for the implementation of agreed UPL
strategies
·
In charge of the conceptualisation and implementation
of new products/services
In charge of the conceptualisation and implementation
of new products/services
·
Oversee retention and management of existing loan
book with intentional cross-sell activities on top ups
Oversee retention and management of existing loan
book with intentional cross-sell activities on top ups
·
Product Insights and analysis by segment per product
Product Insights and analysis by segment per product
·
Tactical marketing initiatives to stimulate the
balance sheet
Tactical marketing initiatives to stimulate the
balance sheet
·
Responsible for conducting periodic competitor
analysis
Responsible for conducting periodic competitor
analysis
·
CRMC product paper annual update
CRMC product paper annual update
·
Effective product interest rate management and
product pricing
Effective product interest rate management and
product pricing
Qualifications, Skills and Experience:
·
The ideal candidate for the Stanbic Bank Officer,
Unsecured Lending Products career opportunity should preferably hold a good Bachelor’s
Degree
The ideal candidate for the Stanbic Bank Officer,
Unsecured Lending Products career opportunity should preferably hold a good Bachelor’s
Degree
·
Broad product knowledge
Broad product knowledge
·
Working knowledge of product related systems
Working knowledge of product related systems
·
Skills in client retention
Skills in client retention
How
to Apply:
to Apply:
All candidates who wish to join the one
of Africa’s biggest Banking Groups, Standard Bank in the aforementioned
capacity are encouraged to Apply Online by visiting Link below.
of Africa’s biggest Banking Groups, Standard Bank in the aforementioned
capacity are encouraged to Apply Online by visiting Link below.
Deadline:
29th September, 2015
29th September, 2015
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