The role holder will be a product manager for home loans with accountability for developing marketing plans to improve home loans service and generate high sales volumes. He/she will oversee activities such as home loan design, research, and sales goals for home loans products & services. The product manager will collaborate with teams across the Mortgage & Consumer Banking department to identify target market segments, market requirements, key business strategies, and the competitive environment for HFB’s niche portfolio.

Key Duties and Responsibilities:

• Manage the existing mortgage portfolio to ensure retention and portfolio quality.
• Draft and implement the consumer mortgage book growth strategy across the Bank.
• Drive sales, portfolio growth, risk management, capacity building, stakeholder management, and reporting in alignment with the Bank’s strategy and vision/mission.
• Monitor market trends and gather information to identify potential areas for new mortgage product development and improvement of existing ones.
• Manage key stakeholders such as developers, real estate associations, and regulators.
• Provide regular feedback on product requirements for local markets, including specifications, functionality, pricing, and translation needs.
• Prepare and execute product launches and campaigns to keep the Bank ahead in achieving strategic objectives.
• Champion capacity building across the Bank for mortgage products designed for individual consumers.
• Assess customer needs and requirements for defined segments and target topologies to meet compliance standards.
• Ensure adherence to Service Standards for both borrowing and non-borrowing customers.
• Drive innovations in the consumer mortgage space to give the Bank a competitive edge.
• Perform other duties as assigned.

Financial Responsibility:

• Drive mortgage sales, portfolio growth, portfolio quality, and profitability targets for consumer mortgage products.
• Manage costs associated with consumer mortgage products to achieve expected profitability and product yield levels.

Qualifications, Skills and Experience:

• A Bachelor’s degree in Banking, Commerce, Business Administration, Economics, Statistics, Management, or any relevant field.
• Possession of a Certified Banking qualification or master’s degree in a relevant field would be an added advantage.
• Relevant financial training in banking product management.

Skills & Experience:

• Minimum of 7 years’ experience in Banking, with at least 2 years in a supervisory role.
• Prior experience in managing or structuring mortgage transactions for at least two years.
• Highly self-directed with independent judgment, passionate about community development and banking.
• Critical thinking, analytical, attention to detail, and problem-solving skills.
• In-depth understanding of banking product features, pricing, lifecycle, positioning, design, and promotions.
• Highly organized and self-directed.
• Excellent communication and interpersonal skills.
• Proven ability to demonstrate and coach exceptional customer service.

Business Behaviors:

• Ability to communicate clearly both verbally and in writing in a professional manner.
• Ability to build functional working relationships across organizational and cultural boundaries.
• Ability to demonstrate a positive image and role model HFB’s values and leadership behaviors.
• Must be a person of impeccable integrity,