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Principle Accountabilities

• Drive the growth of Asset Finance and Insurance Premium Finance products by developing strategies, building the customer base, and increasing revenue.
• Oversee product management, including pricing, product enhancements, and promotional campaigns to maximize market share.
• Coordinate sales efforts across branches and relationship managers, and conduct regular training to ensure consistent product knowledge across the network.
• Manage key relationships with motor vehicle dealers, insurance partners, tracking companies, and regulatory bodies to support business development.
• Monitor the quality of the Asset Finance and Insurance Premium Finance portfolios, ensuring risk mitigation, compliance, and prompt resolution of customer issues.
• Lead customer engagement initiatives and represent the Bank in industry forums and strategic partnership meetings.
• Prepare and deliver accurate management and sector reports for business planning and decision-making.
• Assist in developing annual business plan and annual sales targets that will ensure HFC commands a desirable market share within the Asset Financing and Insurance Premium Finance market segment.
• Develop and implement promotion programmes to enhance demand creation for the Bank’s Asset Finance and Insurance Premium Finance offers and accelerate business growth. This includes internal and external promotion programmes.
• Implement processes and procedures that ensure on-going compliance with requirements of relevant risk management systems and policies for Vehicle and Asset Finance and Insurance Premium Finance line of business.

Key Competencies and Skills

Key Competencies:

• Strategic thinking and business acumen
• Relationship management and networking skills
• Strong sales and negotiation capabilities
• Customer centricity and service excellence orientation
• Analytical and problem-solving skills
• Risk management awareness
• Excellent communication and presentation skills
• High level of integrity and professionalism
• Project management skills

Minimum Qualifications, Knowledge and Experience

• Bachelor's degree in Business, Finance, Marketing, or a related field. A Master's degree is an added advantage.
• Minimum of 7 years of banking experience, with at least 3 years specifically in Asset Finance, Insurance Premium Finance, or Product Management roles.
• Strong understanding of the Asset Finance and Insurance Premium Finance markets, products, and regulatory frameworks.
• Proven ability to deliver against aggressive business growth targets.
• Experience working with cross-functional teams and external partners.

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Principle Accountabilities

• Facility Processing: Coordinate the complete lifecycle of Asset Finance and Insurance Premium Finance facilities, ensuring prompt disbursements and compliance with credit and operational policies.
• Stakeholder Coordination: Serve as the operational link between sales teams, underwriters, insurance partners, car tracking companies, dealers, and NTSA to facilitate efficient facility execution.
• Documentation & Security Management: Oversee the tracking and perfection of security documentation, NTSA charge registration, insurance endorsements, and tracking device installations.
• Portfolio Monitoring: Monitor loan portfolio performance, ensure timely insurance renewals, refunds, and support early identification of potential defaults to mitigate risk.
• Process Compliance: Ensure strict adherence to internal risk, operational, and regulatory requirements, including timely reconciliation of Asset Finance-related accounts.
• Customer Support: Provide operational support to Relationship Managers and customers by resolving queries, tracking disbursements, and supporting customer service initiatives.
• Reporting: Prepare and submit accurate and timely operational, portfolio tracking, and exception reports to management for decision-making.
• Operational Improvements: Identify process gaps and recommend improvements to enhance service delivery, reduce turnaround times, and strengthen operational controls.

Key Competencies and Skills

Key Competencies:

• Strong knowledge of Asset Finance, Insurance Premium Finance processes, and credit risk principles.
• Excellent coordination, organization, and multitasking skills.
• Strong stakeholder management and interpersonal skills.
• Attention to detail with a proactive approach to problem-solving.
• Knowledge of NTSA processes, insurance policies, and motor vehicle dealership operations is an added advantage.
• Good understanding of banking operational risk frameworks and regulatory compliance.

Minimum Qualifications, Knowledge and Experience

• Bachelor's degree in Business, Banking, Finance, or a related field.
• Minimum of 3 years’ experience in Asset Finance operations, Credit Administration, Middle Office, or Risk Management roles.
• Experience in dealing with Motor Dealers, Insurance Companies, and NTSA-related processes preferred.