Senior Manager: Structured Lending, AI & Strategic Initiatives

Accountability: Structured Lending Capability
Develop and manage end-to-end structured lending credit risk, pricing and credit lending solution. This includes the following actions:
• Structure and price complex, high-value home loan deals outside standard processes to deliver tailored client solutions
• Assess and manage credit risk within defined guardrails, leveraging delegation of authority and sound judgment on exceptions
• Collaborate with stakeholders to drive deal execution, balancing production, profitability (RoE), turnaround time, and portfolio performance.

Accountability: Artificial Intelligence (AI) Enablement in Credit Risk & Pricing
• Lead the integration of AI into credit risk and pricing decisions to materially improve decision quality, consistency, and efficiency
• Develop and deploy advanced machine learning models (including decision trees and gradient boosting techniques) to enhance risk differentiation, optimise pricing precision, and support data-driven deal structuring.

Accountability: Business Support & Business as Usual (BAU) Enablement
• Enable effective execution of sales and product strategy by providing expert credit risk and pricing support, ensuring front-line teams can confidently structure and close complex lending opportunities
• Deliver timely, well-governed credit and pricing decisions that balance speed with control, supporting business momentum while adhering to risk frameworks and approval standards
• Drive consistency in policy and strategy interpretation across stakeholders, ensuring aligned decision-making, reduced ambiguity, and improved quality of credit outcomes across the portfolio.

Accountability: Special Projects & Transformation
• Lead and deliver strategic initiatives and transformation programs that respond to evolving business needs, regulatory requirements, and market dynamics, ensuring alignment to organisational objectives and long-term growth
• Drive continuous optimisation of acquisition strategies through data-driven insights, performance analysis, and innovation, improving conversion, risk selection, and overall portfolio profitability
• Embed sustainable change through effective execution and stakeholder alignment, ensuring that new processes, frameworks, and enhancements are successfully adopted and deliver measurable business impact.

Accountability: Stakeholder Engagement
• Liaising with relevant stakeholders, including Sales, IT, Front end & Collections Operations, Strategy & Product, Strategic Alliances, Fraud prevention, Finance and other Risk teams
• Presentation of analytical results and proposals to both technical and non-technical audiences, providing commentary as required
• Assist New Product Development with assessments related to product refinements.

Accountability: Governance
• Serve as joint liaison to address operational risk matters and internal, and external point of contact with auditor/assurance teams.

Accountability: People Management
• Ensure delivery of business goals by aligning Performance Development (PD) Plans of direct reports to the business goals
• Develop a high performing team by embedding formal performance development and informal coaching. Encourage frequent knowledge sharing between team members
• Instil a performance development culture through directing the PD process and adhering to the PD calendar
• Conduct quarterly PD discussions with team members according to PD guidelines
• Pro-actively identify development areas of direct reports and compile development plans to address them
• Attract and retain talent, with the assistance from the HR Business Partner
• Interview and recruit new members of the team, including determining appropriate compensation levels with input from HR
• Compile a headcount plan to ensure that current and future business requirements can be met and obtain approval for any additional headcount that might be needed for the team
• Identify team capabilities and develop a succession plan, with assistance from the People Partner
• Motivate team members and ensure that their efforts are recognised
• Approve leave requests for team members and create leave plan to ensure adequate coverage
• Initiate disciplinary action process as and when required, with the assistance of the Employee Relations Consultant
• Act as the first line of escalation for all grievances
• Conduct monthly meetings with the team to address performance gaps
• Effectively lead team members and ensure their efforts are recognised
• Ensure execution of plans seeking to address employee related issues.

Education and Experience Required
• B Degree in Business or Mathematics or Statistics or Operational Research or Engineering or Risk Management or Finance or similar
• 5 years’ experience in credit risk analysis
• 5 years’ experience in developing data driven analytical strategies in the financial service industry
• 5 years SAS exposure/experience and appreciation (or other programming language).
• 3 years in-depth knowledge of the credit tools and systems used.
• 5 years’ experience in financial service industry.
• 3 years’ experience with Acquisitions.