Incremental Loans Manager

This position will also play a key role in developing strategic partnerships and lending channels, while leading a high-performing team across sales, credit, operations and technical assessment functions.

• Grow the incremental housing loan book while managing portfolio performance and risk.
• Develop and execute targeted sales strategies to grow the lending portfolio.
• Build and maintain relationships with key partners, including housing finance entities, Retail Finance Intermediaries, building merchants and affordable housing developers.

• Manage the full lifecycle of phased micro-loans and housing improvement credit products.
• Develop and implement the growth strategy for the incremental housing portfolio across urban, peri-urban and rural markets.
• 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 support high-volume, low-value loan originations efficiently.

• Manage data collection and operational metrics to achieve productivity targets, reduce costs, minimize errors and maintain excellent customer service.
• Partner with cross-functional teams to improve tools and systems.
• Assist with developing and updating standard operating procedures across business operations.
• Monitor and control expenses against the allocated budget.
• Maintain accurate documentation for operational procedures and activities.
• Ensure compliance with company policies, procedures and legislative requirements.
• Develop and implement policies and procedures where required.
• Ensure teams follow standard operating procedures across operational functions.
• Support operational maintenance, credit risk and audit processes.
• Manage technical assessment teams responsible for verifying building milestones before funds are released.

• Ensure alignment with the National Credit Act and oversee credit underwriting, scoring criteria and default prevention for non-traditional collateral.
• Establish credit risk parameters that balance financial inclusion with prudent lending practices for formal and informal income earners.
• Oversee collections and asset rehabilitation strategies across non-traditional, unsecured and unique secured portfolios.
• Ensure compliance with the National Credit Act, Financial Advisory and Intermediary Services Act, Financial Intelligence Centre Act and South African Reserve Bank regulations.
• Audit disbursement structures to ensure funds are used for their intended purposes.

• Develop partnerships with alternative builders, hardware supply networks, community savings groups and housing developers.
• Establish wholesale and retail partnerships with Retail Finance Intermediaries, employers and builders' merchants.
• Collaborate with government agencies and public entities to align products with state subsidies such as First Home Finance.
• Manage vendor relationships with bond originators, aggregators and alternative distribution channels.

• Lead, mentor and develop a high-performing department within a time-sensitive and demanding environment.
• Provide operational support and guidance to staff.
• Manage work assignments and allocations.
• Conduct performance reviews and provide ongoing performance feedback.
• Lead regular meetings with credit, audit and maintenance teams to address issues, concerns and operational updates.

• Grade 12 / Senior Certificate.
• BCom, equivalent degree or national diploma.
• 5+ years' experience within financial services or lending.
• 3+ years' experience in a management or 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 and channels to generate lending business.
• Strong Excel and reporting capability.
• Power BI and systems experience advantageous.
• Working knowledge of NCA, FICA, POPIA and relevant financial services legislation.
• Excellent Excel, Word and Outlook experience.
• Experience with Run a Loan and ALLPS.
• Building-material finance experience advantageous.
• Hardware or merchant partnership experience advantageous.
• Payroll or alternative lending channel experience…