Standard Chartered Bank Job Vacancy : Product Manager – Mortgages, Africa

Job Description
	• Responsible for executing the Africa agenda on Mortgage to deliver sustainable growth • Responsible for growing market share and increasing client level profitability by supporting new acquisition and relationship teams and portfolio management of Mortgage products based on client needs • Achieve the Revenue, Balance Sheet, Product Margins and Loss adjusted Returns as per budget • Ensure consistent Service and Product delivery on client propositions as per budgeted benchmarks by indentifying challenges related to (a) products and processes design, for resolution by Retail Product team in the centre and (b) process execution within Sales, Operations and Service teams, for resolution in country with the relevant stakeholders.
	Key Roles & Responsibilities
	Business Performance • Implement and commercialise global standard Product program for Mortgages. Work closely with Risk to have standardised credit, underwriting and verification policies in Africa for Mortgages. • Collaborate effectively with the Segment teams, Client Acquisition and Relationship teams and CIC/ TB to leverage the eco-system and help deliver budgeted Balance Sheet targets • Have direct oversight on Mortgage product pricing. Coordinate closely with countries to ensure that margins are protected, growth in Balance sheet is revenue accretive and that Product level RoRWA thresholds are met • Optimize and standardise fees and charges across markets in Africa to create value for clients in line with TCF principles • Support RC academy for the development of appropriate training content for the acquisition, relationship and service teams • Responsible for Portfolio health on Mortgage – delivery through regular engagement with Risk teams in country, region and group to track portfolio performance (through lead indicators) and taking necessary actions to ensure loan impairment is within approved and acceptable limits. • Responsible for ensuring governance and controls around Mortgage is in line with CAD and global PPG. In particular ensuring that there is a documented and standardised process with credit policy to have oversight on securitisation and collateral management across markets • Manage approval rates for Mortgage in conjunction with the Client Acquisition , relationship and CI teams • Work closely with the Regional Risk team and the global product team to introduce Building Under Construction and X border Mortgages in African markets Product & Service Delivery • Have oversight and ownership on end-to-end (standard) process to ensure execution of on-boarding for clients and fulfilment of products through engagement with relevant stakeholders involved in executing the standard process to ensure we deliver a seamless client CVP • Complaints & Client Experience: Collaborate closely with the CEPG teams to Identify gaps and design failures in existing process and products and work with global and regional product teams to solve for endemic design issues to improve overall product and Service delivery • Work closely with the CEPG team to have a standard TAT measuring report across African markets. This will help indentify in a standardised fashion process challenges across markets which can then be resolved with stakeholders Product Launches & Product Maintenance • Execute the global Product standardization and Product rationalization agenda for Mortgages. Coordinate closely with Lending Operations to implement the standard product codes developed for Marcis and to discontinue legacy codes • Work with segment and frontline teams to identify client needs and launch existing global Mortgage product solutions to meet these needs. In the absence of existing global solutions work with the regional team to have the relevant proposition developed as a global solution for implementation Governance • Manage compliance of PPGs & CADs • Ensure compliance to Group & Country AML and CDD policies
	Qualifications & Skills
	- Articulate and multi-task oriented with a high level of attention to detail and quality - High EQ, Excellent interpersonal & communication skills - High Numerical and Analytical ability and ability to work under time pressure - Collaborative attitude and ability to work and influence multiple stakeholders - Must have had frontline sales experience - Must be a Graduate or Post Graduate

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