Incremental Housing Loans Manager

The successful applicant will require the following qualifications, experience and competencies: Qualification: * Grade 12/Senior Certificate * BCom/Equivalent degree or national diploma Experience: * 5+ years’ experience in financial services/lending. * 3+ years’ experience in a management/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/channels to generate lending business. * Good Excel/reporting capability and preferably Power BI/system experience. * Working knowledge of NCA, FICA, POPIA and relevant financial-services legislation. * Excellent Excel, Word and Outlook experience * Systems (run a loan, ALLPS and Power BI (advantageous)) experience. * Building-material finance experience advantageous. * Hardware/merchant partnerships experience advantageous. * Experience with payroll or alternative lending channels advantageous. Competencies (skills, knowledge and attitudes): * Proactive * Target driven. * Leadership * Customer focus * Excellent communication * Decision making * Reporting * Financial acumen * Planning and organising * Adapting and responding to change * Strong people-management skills. * Strong commercial and analytical ability. Establishing, providing overall strategic direction and risk management for, managing, growing, and overseeing low- to middle-income incremental housing loan portfolios. 2 Key result areas are as follows: 1. Portfolio Management: ▪ Grow the incremental housing loan book while managing performance and risk. ▪ Develop and execute targeted sales plans to grow the incremental housing loan book. * Build and maintain relationships with key partners, including the National Housing Finance Corporation (NHFC), Retail Finance Intermediaries (RFIs), building merchants, and affordable housing developers. 1. Product Strategy: ▪ Manage the full lifecycle of phased micro-loans and housing improvement credit products. ▪ Develop the growth strategy for the incremental housing portfolio across urban, peri-urban, and rural South Africa. ▪ 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 manage high-volume, low-value loan originations quickly and affordably. 1. Operational Control: ▪ Manage timely data collection and update operations metrics to achieve productivity targets, reduce costs, eliminate errors, and deliver excellent customer service. ▪ Partner with cross-functional support teams in improving tools and systems. ▪ Assist in developing and/or updating standard operating procedures for all business operational activities. ▪ Monitor and control expenses according to allotted budget. ▪ Maintain accurate and clear documentation for operational procedures and activities. ▪ Work in compliance with company policies and procedures, ensuring adherence to respective monitoring bodies and legislative requirements. ▪ Develop and implement policies/procedures as and when required. ▪ Ensure team follows standard operating procedures for all operational functions. ▪ Support operational maintenance, credit risk and audit processes for the purpose of preventive maintenance and risk management. ▪ Manage technical assessment teams (inspectors who verify building milestones before fund release). 1. Credit & Risk Oversight: ▪ Ensure alignment with the National Credit Act (NCA) and manage credit underwriting, scoring criteria, and default prevention for non-traditional collateral ▪ Establish credit risk parameters that balance financial inclusion with prudent lending practices appropriate for formal and informal income earners. ▪ Oversee collections and asset rehabilitation strategies for non-traditional, unsecured, or unique secured portfolios. ▪ Ensure compliance with the National Credit Act (NCA), Financial Advisory and Intermediary Services Act (FAIS), Financial Intelligence Centre Act (FICA) and South African Reserve Bank (SARB) regulations. ▪ Audit disbursement structures to confirm funds are utilized strictly for intended purposes. 1. Stakeholder Engagement: ▪ Partner with alternative builders, hardware supply networks, community savings groups, and housing developers. ▪ Establish wholesale or retail partnerships with Retail Finance Intermediaries (RFIs), employers (for payroll deductions), and builders' merchants. ▪ Collaborate with government agencies and public entities (e.g., NHFC, Department of Human Settlements) to align products with state subsidies like First Home Finance (FLISP). ▪ Manage vendor relationships with bond originators, aggregators, and alternative distribution channels. 1. Team Leadership: ▪ Lead, mentor, and build a high-performing department, within a time-sensitive and demanding environment, including reports and problem resolution. ▪ Provide operational support and guidance to staff. ▪ Manage work assignment and allocations for staff. ▪ Conduct performance review and provide performance feedback to staff. ▪ Conduct regular meetings with the teams (credit, auditors, maintenance) to discuss about issues, concerns, updates etc. WENZ Recruiter