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Head Lending Career Job – Stanbic Bank
Job
Title:
Title:
Organisation: Stanbic Bank
Job
ID: 12480
Duty Station: Kampala, Uganda
ID: 12480
Duty Station: Kampala, Uganda
About
Stanbic:
Stanbic:
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).
Job Summary: The Head Lending will be charged with the integration
of the lending product set within PBB maximising the value of all Lending
financial products/solutions by coordinating the establishment of a set of
offerings which are aligned to specific market needs. This role will be
implemented with an aim to create and deliver a superior customer experience
whilst simultaneously providing long term value for the business. The role
encompasses all lending products including Secured Business Lending, Home
Loans, Unsecured lending, as well as the short term lending (working capital)
solutions linked to trade finance and excludes Agriculture Financing. Effective
management of our PBB Lending book is a critical success factor in order to
ensure that we leverage the lending portfolio to it’s full extent in order to
deliver sustainable balance sheet and revenue growth
of the lending product set within PBB maximising the value of all Lending
financial products/solutions by coordinating the establishment of a set of
offerings which are aligned to specific market needs. This role will be
implemented with an aim to create and deliver a superior customer experience
whilst simultaneously providing long term value for the business. The role
encompasses all lending products including Secured Business Lending, Home
Loans, Unsecured lending, as well as the short term lending (working capital)
solutions linked to trade finance and excludes Agriculture Financing. Effective
management of our PBB Lending book is a critical success factor in order to
ensure that we leverage the lending portfolio to it’s full extent in order to
deliver sustainable balance sheet and revenue growth
Key Duties and Responsibilities:
1.
Product Strategic and Operational Planning:
Product Strategic and Operational Planning:
·
Develops, coordinates and implements long, medium
and short term strategies to maximize growth and profitability across the
business.
Develops, coordinates and implements long, medium
and short term strategies to maximize growth and profitability across the
business.
·
Accurately forecasts market and product growth on a
long-, medium and short term basis as may be required by the business from time
to time.
Accurately 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 lending value
propositions and strategies to the whole of Personal and Business Banking.
Formulates, allocates and communicates lending value
propositions and strategies to the whole of Personal and Business Banking.
·
Proactively monitors trends, identifies areas of
opportunities and seeks feedback to facilitate improvements in all aspects of
the product, sales, service, operations
efficiency, volume and value growth.
Proactively monitors trends, identifies areas of
opportunities and seeks feedback to facilitate improvements in all aspects of
the product, sales, service, operations
efficiency, volume and value growth.
·
Works closely 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..
Works closely 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 PBB to develop effective solutions to counter the
prioritized issues and threats.
Identifies competitive threats and issues; and
liaises with other members of PBB to develop effective solutions to counter the
prioritized issues and threats.
2.
Effective product management:
Effective product management:
·
Oversees the whole PBB Lending value chain to
maximize revenues and profitability in line with PBB objectives.
Oversees the whole PBB Lending value chain to
maximize revenues and profitability in line with PBB objectives.
·
Offers technical support for the execution of
campaigns for promotion of existing products as well as new product launches.
Offers technical support for the execution of
campaigns for promotion of existing products as well as new product launches.
·
Constantly reviews, prioritizes and manages product
performance against targets by tracking all recorded performance and activity
measures. Provides regular assessments of product team’s
Constantly reviews, prioritizes and manages product
performance against targets by tracking all recorded performance and activity
measures. Provides regular assessments of product team’s
·
productivity and effectiveness.
productivity and effectiveness.
·
Holds regular meetings with Credit, operations,
pricing and capital management as well as segment heads to review the
performance of PBB Lending.
Holds regular meetings with Credit, operations,
pricing and capital management as well as segment heads to review the
performance of PBB Lending.
·
Prepares and presents product performance management
reports to the business on a regular basis.
Prepares and presents product performance management
reports to the business on a regular basis.
·
Represents the PBB business on all product related
matters at different forums within and beyond Stanbic Bank.
Represents the PBB business on all product related
matters at different forums within and beyond Stanbic Bank.
·
Identifies alliances and partnerships through which
to extend the organization’s capability to innovate, incubate and market
innovative products and solutions.
Identifies alliances and partnerships through which
to extend the organization’s capability to innovate, incubate and market
innovative products and solutions.
3.
Effective management of financial, risk and regulatory requirements:
Effective management of financial, risk and regulatory requirements:
·
Be accountable for annual financial budgets,
including Profit and Loss, Operating and Capital Expenditure budgets for PBB
Lending.
Be accountable for annual financial budgets,
including Profit and Loss, Operating and Capital Expenditure budgets for PBB
Lending.
·
Oversight of expenses of the area within budget.
Oversight of expenses of the area within budget.
·
Establish and monitor operating expenditure budget
control measures for the team, ensuring that revenue and expenditure is
accounted for in a systematic manner.
Establish and monitor operating expenditure budget
control measures for the team, ensuring that revenue and expenditure is
accounted for in a systematic manner.
·
Manages product organization within defined
regulatory and compliance tolerance levels.
Manages product organization within defined
regulatory and compliance tolerance levels.
·
Ensures that the operational affairs of PBB Lending
are administered effectively.
Ensures that the operational affairs of PBB Lending
are administered effectively.
4.
Stakeholder Management:
Stakeholder Management:
·
The incumbent will be tasked to maintain 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.
The incumbent will be tasked to maintain 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.
·
Fosters a team approach by actively building strong
relationships with key stakeholders within and outside the bank, to ensure
synergies and teamwork needed to optimize revenue growth and profitability.
Fosters a team approach by actively building 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
PBB and CIB which is vital for the successful co-ordination and integration of
product development and management activities.
Ensures credibility across all relevant functions in
PBB and CIB which is vital for the successful co-ordination and integration of
product development and management activities.
5.
People Management:
People Management:
·
Responsible for inspiring, motivating, leading and
managing the team.
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.
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.
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.
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.
Creates an environment in which learning and development
are emphasised and valued.
·
Takes personal responsibility for coaching and
mentoring others.
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.
Effectively delegates authority and responsibility,
in line with business objectives, to ensure the empowerment, motivation and
effectiveness of all direct and indirect reports.
·
Actively promotes a culture where the values of the
Bank are “lived”.
Actively promotes a culture where the values of the
Bank are “lived”.
·
Ensures the implementation of the leadership promise
and employee engagement programme.
Ensures the implementation of the leadership promise
and employee engagement programme.
·
Enables 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.
Enables 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.
Develops and maintains an open communication channel
with direct reports and supports staff to foster teamwork.
·
Actively 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.
Actively 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.
Ensures staff are appropriately and consistently
rewarded and recognised for their achievements and outputs.
Qualifications, Skills and
Experience:
Experience:
·
The applicant for the Stanbic Bank Head Lending
should hold a Bachelor’s degree in business, finance, accounting, economics or
marketing
The applicant for the Stanbic Bank Head Lending
should hold a Bachelor’s degree in business, finance, accounting, economics or
marketing
·
Possession of a Post-graduate degree in business or
commerce or finance is an advantage
Possession of a Post-graduate degree in business or
commerce or finance is an advantage
·
Financial and technical literacy with a sound
understanding of the delicate balance between investment, risk and reward.
Financial and technical literacy with a sound
understanding of the delicate balance between investment, risk and reward.
·
Broad knowledge of the product and segment value
propositions for Personal/business/corporate banking market segments.
Broad knowledge of the product and segment value
propositions for Personal/business/corporate banking market segments.
·
Strong customer service orientation, constantly
considering all aspects of the business from the customer’s point of view.
Strong customer service orientation, constantly
considering all aspects of the business from the customer’s point of view.
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:
14th September, 2015
14th September, 2015
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