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.