Job Summary

The role is responsible for leading and growing the Home Loan business by achieving annual mortgage disbursement and revenue targets while ensuring product competitiveness, portfolio quality, regulatory compliance, and excellent customer experience.

The position provides strategic leadership in mortgage banking, stakeholder engagement, risk management, product development, and sales performance to position the bank as a market leader in home financing.

Key Responsibilities

Strategy & Business Growth

• Develop and implement the mortgage business strategy aligned with retail banking goals.
• Drive achievement of annual mortgage disbursement and revenue targets.
• Identify growth opportunities and innovative approaches to expand the mortgage portfolio.
• Position the bank competitively within the home financing market.

Product Development & Management

• Design and refine mortgage products for different customer segments.
• Ensure mortgage products remain:
  • Competitive
  • Customer-focused
  • Compliant with regulations
  • Aligned with market trends
• Support development of innovative home financing solutions.

Portfolio Management

• Monitor and manage the mortgage loan portfolio to ensure:
  • Sustainable growth
  • Profitability
  • Portfolio quality
• Track and analyze key performance indicators including:
  • Loan disbursements
  • Non-performing loan (NPL) ratios
  • Customer acquisition metrics

Sales & Channel Management

• Drive mortgage sales through:
  • Branch networks
  • Digital banking platforms
  • Strategic partnerships
• Set and monitor sales targets for teams and distribution channels.
• Lead and manage mortgage sales teams to achieve performance objectives.

Risk Management & Compliance

• Ensure mortgage products and processes comply with:
  • Regulatory requirements
  • Internal risk frameworks
  • Credit policies
• Collaborate with:
  • Credit teams
  • Risk teams
  • Compliance departments
• Oversee credit assessment standards and due diligence processes.
• Mitigate portfolio and lending risks proactively.

Stakeholder & Relationship Management

• Build and maintain relationships with:
  • Property developers
  • Real estate agents
  • Valuers
  • Legal firms
  • Insurance providers
• Manage senior and executive-level external partnerships.
• Strengthen the bank’s mortgage ecosystem and market presence.

Requirements

Education

• First Degree in:
  • Finance and Accounting
  • Or related field from a recognized institution
• Master’s Degree in Business Commerce is preferred.

Experience

• 8–10 years’ experience in:
  • Home loans
  • Mortgage banking
  • Related lending products
• Experience in specialist lending environments.
• Proven experience managing sales teams.
• Strong experience managing executive-level external stakeholder relationships.

Technical Competencies

• Agile Concepts
• Analysing & Interpreting Information
• Application Knowledge for Support
• Specialist Lending
• Financial Acumen
• Risk Identification
• Risk Management
• Risk Reporting

Behavioral Competencies

• Challenging Ideas
• Conveying Self-Confidence
• Convincing People
• Directing People
• Embracing Change
• Exploring Possibilities
• Following Procedures
• Generating Ideas