Incremental Housing Loans Manager

This position will also play a key role in developing strategic partnerships and lending channels, while leading a high-performing team across sales, credit, operations and technical assessment functions. Key Responsibilities Portfolio Management * Grow the incremental housing loan book while managing portfolio performance and risk. * Develop and execute targeted sales strategies to grow the lending portfolio. * Build and maintain relationships with key partners, including housing finance entities, Retail Finance Intermediaries, building merchants and affordable housing developers. Product Strategy * Manage the full lifecycle of phased micro-loans and housing improvement credit products. * Develop and implement the growth strategy for the incremental housing portfolio across urban, peri-urban and rural markets. * Develop tailored financial products for specific housing needs, including pension-backed home loans, employer-assisted micro-housing schemes, building-material credit and rural home loans. * Expand market share while maintaining competitive pricing and sustainable profitability. * Optimize digital loan processing systems to support high-volume, low-value loan originations efficiently. Operational Control * Manage data collection and operational metrics to achieve productivity targets, reduce costs, minimize errors and maintain excellent customer service. * Partner with cross-functional teams to improve tools and systems. * Assist with developing and updating standard operating procedures across business operations. * Monitor and control expenses against the allocated budget. * Maintain accurate documentation for operational procedures and activities. * Ensure compliance with company policies, procedures and legislative requirements. * Develop and implement policies and procedures where required. * Ensure teams follow standard operating procedures across operational functions. * Support operational maintenance, credit risk and audit processes. * Manage technical assessment teams responsible for verifying building milestones before funds are released. Credit & Risk Oversight * Ensure alignment with the National Credit Act and oversee credit underwriting, scoring criteria and default prevention for non-traditional collateral. * Establish credit risk parameters that balance financial inclusion with prudent lending practices for formal and informal income earners. * Oversee collections and asset rehabilitation strategies across non-traditional, unsecured and unique secured portfolios. * Ensure compliance with the National Credit Act, Financial Advisory and Intermediary Services Act, Financial Intelligence Centre Act and South African Reserve Bank regulations. * Audit disbursement structures to ensure funds are used for their intended purposes. Stakeholder Engagement * Develop partnerships with alternative builders, hardware supply networks, community savings groups and housing developers. * Establish wholesale and retail partnerships with Retail Finance Intermediaries, employers and builders' merchants. * Collaborate with government agencies and public entities to align products with state subsidies such as First Home Finance. * Manage vendor relationships with bond originators, aggregators and alternative distribution channels. Team Leadership * Lead, mentor and develop a high-performing department within a time-sensitive and demanding environment. * Provide operational support and guidance to staff. * Manage work assignments and allocations. * Conduct performance reviews and provide ongoing performance feedback. * Lead regular meetings with credit, audit and maintenance teams to address issues, concerns and operational updates. Job Experience and Skills Required * Grade 12 / Senior Certificate. * BCom, equivalent degree or national diploma. * 5+ years' experience within financial services or lending. * 3+ years' experience in a management or senior management position. * Proven experience in incremental housing finance. * Experience managing sales teams and lending operations. * Strong understanding of credit, affordability, collections and portfolio quality. * Experience developing partnerships and channels to generate lending business. * Strong Excel and reporting capability. * Power BI and systems experience advantageous. * Working knowledge of NCA, FICA, POPIA and relevant financial services legislation. * Excellent Excel, Word and Outlook experience. * Experience with Run a Loan and ALLPS. * Building-material finance experience advantageous. * Hardware or merchant partnership experience advantageous. * Payroll or alternative lending channel experience advantageous. * Proactive and target driven with strong leadership capability. The successful candidate will suit a commercially minded financial services professional who combines lending and portfolio expertise with strong leadership, risk management and stakeholder engagement capabilities. For more exciting Finance vacancies, please visit: www.networkrecruitmentinternational.com If you have not had any response in two weeks, please consider the vacancy application unsuccessful. Your profile will be kept on our database for any other suitable roles / positions. We also invite you to contact us to discuss your next career move in finance! For more information, contact: Angelique Jardim Specialist Recruitment Consultant Network Finance Recruiter