Manager Home Loans at Housing Finance Bank

Housing Finance Bank, is a Commercial Bank and the leading provider of housing finance solutions with a vision to be the preferred consumer and business bank with a focus on housing finance. To efficiently and effectively attain its strategic objectives, Housing Finance Bank is seeking to hire qualified, versatile and self-driven individuals to fill vacant positions in its establishment as follows; .

Job Title: Manager Home Loans (1)
Department: Mortgage & Consumer Banking
Reports To: Manager Personal Banking
Direct Reports: Relationship Managers – Home Loans
Interacts/Interfaces with:
Internal:
• Personal banking Teams
• Branch Personal bankers
• Credit Teams
External
• Key Customers

Job Purpose:
In Liaison with Marketing & communications, the role holder will be accountable for developing marketing plans to improve home loans service and generate high sales volume. She/he will be in charge of activities such as the concept design, research activities, and sales goals of the home loans products & service. In this position, the product manager will work with individuals from across the personal banking services to identify and define target market segments, market requirements, key business strategies and the competitive environment for HFB’s niche portfolio.
Key Result Areas
1. In coordination with the Personal Banking Unit, Shehe will be responsible for managing the existing product portfolio in areas of product’s risk, sales, training, reporting, incentive, and marketing and for alignment to the bank’s strategy and vision/mission.
2. Monitor market trends and information collected by the Bank to identify potential areas for the development of new financial products, and the restructuring of existing products.
3. Provide regular feedback on product requirements for local markets, including product specifications functionality, pricing and translation needs.
4. in liaison with Marketing and communication, Prepare and execute product launches and report on expectations of market size, market uptake, market share and expected budgeted sales.
5. Define product promotion and positioning for defined segments.
6. Prepare financial analyses, projections, and pro-forma based on these proposed solutions.
7. Use statistical methods and applications to analyse customer applications and make concrete recommendations regarding underwriting guidelines and product design at the Bank.
8. Analyse, support both category, and cluster marketing plans to align with brand strategy and achieve annual operating plan goals.
9. Adhere to current compliance and service performance standards.
Financial Responsibility
1. Responsible for the Home lending financial targets as will be agreed, from time to time, using different parameters esp. on customer numbers, Liabilities, Assets and revenue growth.
2. Responsible for controlling costs to within agreed budget.

Person specifications
Education & Training
1. A degree in Banking, Commerce, Business Administration, Economics, Statistics, management or any relevant field.
2. Possession of a Certified banking qualification or master’s degree in a relevant field would be an added advantage.
3. Relevant Practical training in banking product management.
Skills & Experience
1. A minimum of 5 years’ experience in a commercial Bank, of which 2 must be in a supervisory role.
2. This position requires a highly self-directed with independent judgment individual who is passionate about the fields of community development and banking.
3. Must have critical thinking, analytical, attention to detail and problem solving skills.
4. Must have an in-depth understanding about banking product features, pricing benefits, positioning, design and promotions.
5. Highly organized and self-directed.
6. Excellent communication and interpersonal skills.
7. Proven ability to demonstrate and coach exceptional customer service.
Business Behaviours
1. The ability to communicate clearly both verbally and in written form in a professional manner is deemed essential.
2. Ability to build functioning working relationships across organizational and cultural boundaries
3. Ability to demonstrate positive image and role model HFB’s values and leadership behaviours.
4. Must be a person of impeccable integrity.

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