Manager Secure Lending

Job Summary

Manager Secured Lending is responsible for driving sustainable growth, profitability, and portfolio quality across secured lending products, including car loans, mortgages, asset financing, and treasury-backed lending. The role provides strategic leadership, sales execution oversight, and portfolio management to achieve business growth while ensuring strong credit discipline, compliance, and superior customer experience.

Accountability: Strategic Leadership, Planning & Portfolio Growth (30%)

• Provide strategic direction for the secured lending portfolio by developing, implementing, and continuously refining market-led growth strategies aligned to business objectives.
• Drive sustainable portfolio growth through structured acquisition plans, targeted market penetration strategies, and tailored value propositions across key secured lending products and customer segments.
• Build and manage an end-to-end portfolio growth framework covering acquisition, retention, cross-sell, and revenue optimization to enhance market share and profitability in secured lending.
• Lead performance management through data-driven insights, dashboards, and portfolio analytics to support decision-making, identify growth opportunities, and proactively manage credit risk and performance gaps.

Accountability: Sales Management & Execution (30%)

• Provide strong sales leadership by guiding and empowering Scheme Relationship Managers and sales teams to deliver consistent and measurable performance.
• Develop, implement, and enforce structured sales plans, productivity frameworks, and weekly activity schedules that ensure disciplined execution and alignment to segment growth priorities.
• Ensure there is high impact and positive results on the field activations, institution visits, pension funds engagements, and community outreach initiatives to accelerate acquisition of salaried employees and pensioners.
• Oversee the full sales pipeline lifecycle including lead generation, quality conversion, and activation ensuring transparent tracking, timely follow-up, and achievement of set sales targets.

Accountability: Market Analysis & Business Insights (20%)

• Conduct market intelligence and competitor analysis to identify emerging opportunities and threats.
• Analyse customer behavior, product performance, and market trends to enhance product offerings.
• Provide recommendations on pricing, product enhancements, and sales campaigns.
• Support development of innovative secured lending solutions tailored to market needs

Accountability: Portfolio Management & Credit Quality (10%)

• Monitor portfolio performance, including disbursements, arrears, PAR, NPLs, and recoveries.
• Ensure quality growth through adherence to credit policies and risk appetite.
• Work closely with credit and collections teams to minimize delinquency and improve portfolio health.
• Conduct regular portfolio reviews and recommend corrective actions where necessary.
• Ensure compliance with lending regulations, internal controls, and audit requirements.

Accountability: Reporting & Governance (10%)

• Prepare and present regular business performance reports to management.
• Track and report sales performance, pipeline status, market trends, and portfolio quality metrics.
• Ensure proper documentation and compliance with regulatory and internal governance standards.
• Support audits, regulatory reviews, and risk assessments where required.

Education and Experience Required

• Bachelor’s degree in business administration, Banking, Finance, or related field.
• Minimum of 5 years’ experience of related field

Knowledge & Skills:

• Strategic Relationship Management – Strong ability to engage senior institutional leaders.
• Sales Leadership & Execution Management – Expertise in driving sales teams and productivity frameworks.
• In-depth Knowledge of Payroll Ecosystem – Understanding payroll and pension structures
• Data & Portfolio Analytics skills

Competencies:

· Deciding and initiating action

· Relating and networking

· Adapting and responding to change

· Persuading and influencing

· Delivering Results & Meeting Customer Expectations

Qualifications

Bachelors Degree and Professional Qualifications - Business, Commerce and Management Studies, Commercial mindset - Junior (Meets all of the requirements), Customer Excellence - Service Delivery (Meets all of the requirements), Digital familiarity (Meets all of the requirements), Effective communication - Basic (Meets all of the requirements), Experience in a similar environment at junior specialist level, Openness to change (Meets some of the requirements and would need further development), Product and/or Service Knowledge (Meets all of the requirements), Sales Management (Meets all of the requirements)