Portfolio Manager (Unsecured Consumer Lending / Fintech / Airtime Advanced)

Black Pen Recruitment; Johannesburg; Hybrid; ZAR 800 000 - 1 200 000; Full time

Job summary

A recruitment agency is seeking a skilled product manager for a role focused on consumer lending products in Johannesburg. The ideal candidate will have over 8 years of experience in product design and development, specifically in the unsecured lending industry. Responsibilities include managing the existing lending products, driving innovation, and conducting revenue projections. This full-time position offers a hybrid work model, enabling collaboration and flexibility within the broader financial services strategy.

Qualifications

• Minimum of 8 years' experience within the Consumer Lending industry.
• Experience in managing product life cycles and metrics.
• Proven track record of product innovation and development.

Responsibilities

• Manage and grow the existing Airtime Advance Product.
• Develop and innovate lending propositions.
• Conduct revenue projections and performance analysis.
• Review products and implement necessary enhancements.

Skills

Consumer lending product design

Knowledge of unsecured lending industry

Business analysis skills

Customer journey mapping

Education

Relevant 3 year Business degree

Matric

Job description

As part of our client’s broader Financial Services strategy, the incumbent will need to develop a portfolio of lending products, manage them through the stages of the telco lending products life cycle as well as:

Keep pace with the latest in industry & technology developments as well as the broader regulatory environment. Foster broader collaboration with other business units, ensuring the payments and remittances complement and leverage our client’s core telco offering. Improve the overall revenue contribution and performance of telco lending products.

Job Type: Full-time | Hybrid

Location: Johannesburg

Requirements

• Prior Consumer lending product design and development experience is essential
• A detailed knowledge understanding of a the fast paced unsecured lending industry is essential
• Matric essential
• Relevant 3 year Business degree essential.
• Minimum of 8 years’ experience within the Consumer Lending industry is essential

Responsibilities

• Management of the existing Airtime Advance Product, maximising growth of the existing business whilst maintaining key metrics around customer ARPU accretion, loss ratios and customer churn
• Continue to develop and innovate the existing Airtime Advance proposition
• Utilisation of Airtime Advance analytics as a launch pad for additional lending propositions which will be developed as part of a compelling consumer offering
• Development of the telco lending marketplace proposition which will span multiple segments
• Developing all relevant documentation, providing inputs and evaluation for financial business cases, defining business rules and working with customer experience teams to define and refine existing and new customer journeys
• To do revenue projections and forecasts for revenue and analyse and identify shortfalls and areas of improvement
• On-going innovation and product development, market trends and also historical data and performance
• Provide insights to the broader team around innovations and developments within the telco Lending and Fintech industry
• To regularly review launched products to ensure the performance is in line with initial assumptions and implement corrective measures if needed and also look at how to improve/enhance products
• Keep track of competitor launches and take measures to mitigate risks
• Monthly product presentations for an audience consisting of managing executives and senior management