Head - Consumer Lending We are looking for a dynamic Head of Consumer Lending to take charge of a high-impact business vertical in Zambia! Reporting to the Country CEO & Group Head – Retail and Products, this role is your chance to shape strategy, optimize profitability, and steer the future of Consumer Lending function. ⸻ Key Responsibilities • Collaborate with business stakeholders to identify and document Functional and Achieve Interest Income target • Achieve Loan Book Growth Targets • Reduce provisions • Maintain NPL with set targets • Ensure good performance of the loan book • Ensure Write-offs and Restructure are adequately managed • Accurate and proactive cost management of the entire Consumer Lending Business Vertical • Ensure adequate and successful loan book management adhering to NPL limits and Collections Percentages • Constantly review and update Consumer Lending Credit Policy in line with loan book Performance results • Recoveries Management – Loss/write-off accounts • Ensure Good Business Governance – Internal Audit Items, AML and CFT Training • Ensure internal and external auditors are well managed and all information is delivered in a timely manner to ensure success in audits • Ensure accurate and adequate management of Life Insurance and Insurance Brokers • Ensure all credit requirements for the Consumer Lending Business Vertical • Manage the entire Consumer Lending Business Vertical Team • Foster the implementation and execution of the Bank’s Values and Beliefs • Attend all Board, EXCO and Management Committees with the correct and updated information • Report accurately to all Board and Local Management Committees • Manage Human Resources in the Consumer Lending Department, Mentor & Guide staff, ensure growth and adherence of the Bank’s culture and expectation and Values • People Management for the entire department with direct reports to ensure their team is adequately managed for cost • Ensure all reporting is delivered on time and in full • Reporting – Locally to internal stakeholders and externally to Group apparatus • Ensure Business Vertical Systems are correctly managed ⸻ Skills, Knowledge, and Competencies: • Problem solving/decision making • Team player/Flexibility • Communication and Influence • Assertiveness and decisiveness • Diagnostic thinking • In depth knowledge of payroll deduction consumer lending • In-depth knowledge of accounting concepts, principles and standards • Knowledge of business products • Good customer service Skills ⸻ Qualifications and Experience • A Masters or postgraduate degree from an accredited university • Degree in finance, banking, business or related area • minimum of 7 years non-banking financial services and knowledge of retail loans and Micro lending • Candidates need to have 4+ years senior management experience How to apply To apply please submit your application, updated CV, and any other relevant documents to: https://rcssl.cloud.processmaker.net/webentry/17/appliction-Form:country=ZM Please note that only shortlisted candidates will be acknowledged Deadline for all submissions is Wednesday, 16th April 2025. Botswana • Malawi • Mauritius • Mozambique • Zambia • Zimbabwe