About the role
- Lead the collection and analysis of customer, market, and frontline feedback to identify needs and recommend enhancements to loan products, processes, and customer experience.
- Lead the design, development, and enhancement of loan products, including pricing, product features, lending terms and conditions, ensuring alignment with the Bank's objectives, risk frame, and regulatory requirements.
- Manage the end-to-end development and implementation of loan products and process initiatives, from concept development and approval through system implementation, rollout, and post-implementation review.
- Lead the development, review, and continuous improvement of lending procedures, processes, guidelines, and SOP to ensure operational efficiency, consistency, and compliance.
- Drive process optimization, digitalization, and automation initiatives to improve operational efficiency, service quality, and customer experience.
- Lead the preparation of requirements, UAT, manage implementation readiness, and ensure successful delivery of initiatives.
- Coordinate and collaborate with Risk, Legal, Compliance, IT, Credit, Operations, and other stakeholders to ensure effective project delivery, regulatory compliance, and alignment with objectives.
- Lead the resolution of process and operational issues by collaborating with and support units, recommending practical solutions, strengthening internal controls, and driving continuous process improvement.
- Support the Head, Loan Product and Process in executing departmental strategies, managing key projects, monitoring performance, and driving continuous improvement initiatives across the lending.
Requirements
- Bachelor’s degree in administration, Banking & Finance, Economics, or IT digital (preferred).
- Minimum 5 years of experience in banking or microfinance, including 2 years in loan products, processes, or related functions.
- Strong knowledge of loan products, lending processes, and regulatory requirements.
- Experience in product development, process improvement, digital transformation, or system implementation.
- Strong analytical, problem-solving, project management, and stakeholder management skills.
- Experience in preparing requirements and coordinating UAT.
- Good communication and report writing skills with proficiency in English.
- High integrity, accountability, and willingness to travel as required.
Required Skills
loan productslending processesregulatory requirementsproduct developmentprocess improvementdigital transformationsystem implementationpreparing requirementsUAT coordinationanalytical skillsproblem-solvingproject managementstakeholder managementcommunication skillsreport writing skillsintegrityaccountabilityEnglishbankingmicrofinance
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