Loans Solution Manager - Vehicle Dealers

This a Full Remote job, the offer is available from: Philippines

Responsibilities:

This position will fall within the lending organization, which is defined here.

Overall: The Loans solution manager for Vehicle Dealers will be responsible for product and business development for loans offered via Vehicle providers, especially 3-wheelers. This will include the likes of:

• Bajaj Finserv
• EMCOR
• Motorcentral
• Netbank typically only accepts these loans through either a Risk Sharing approach or a First Loss Default Agreement - so most of these clients will be under this type of relationship.

The steps in loan product and solutions development will be:

• Definition of credit risk assessment for Vehicle Dealers
• Definition of KYC requirements and process flows
• Negotiation of commercial arrangements
• Negotiation of legal arrangements
• Support through the onboarding process, including integration with APIs (if applicable). Support to the technical API team (if applicable).
• Understanding of the repayment processes and assurance that adequate controls are in place

The steps in partner development will be:

• Build relationships with the senior staff within the lender to provide assurance on Netbanks lending capacity and onboarding efficiency.
• Describe the process in simple terms, to provide confidence that Netbank will complete the process
• Define a simple onboarding process
• Manage the onboarding process, to move the partner through the process of commercial agreement, legal agreement, technical integration.

The steps in partner optimisation will be:

• Identify product enhancements which ensure we meet the full needs of our end clients around lending products.
• Monitor exposures and ensure credit limits are adhered to (with loans accounting team)
• Ensure any issues in onboarding / process review, etc. are addressed.

The steps in marketing will be:

• Setting up campaigns, which will generate regular inbound requests
• Setting up press releases and blogs
• Deepen awareness of the expansion path - nature of the dealers

As with all solutions providers, the position holder will need to:

• Deeply understand client needs for the proposed services and identify ways that Netbank can provide a product significantly better than the competition
• Implement the product to achieve this differentiation, including ensuring the technical system capabilities can meet client requirement
• Managing a highly professional sales and on-boarding process, which responds at the speed that Fintech demand, keeps partners fully informed through the implementation process.
• Identify additional services which clients need and propose these to clients. Identify product gaps and identify technical partnerships and technology solutions that allow us to offer these services.

• Number of new partners signed up
• Revenue generated within vehicle lending
• Number of new products offered relevant for these partners

• Industry awareness
• Knowledge of consumer lending
• Preferably, knowledge of structured loan products / channeling
• Enjoy sales process
• Confidence to proactively contact new clients
• Empathy to understand needs of organizations
• Creativity to identify best banking solutions
• Apply existing best practices
• while being aware that existing practices in the Philippines may not be optimal.
• Ability to assess credit risk in partners
• Ability to determine triggers that indicate a higher level of risk in Vehicle (3-wheeler) loans
• Ability to monitor Vehicle lending risk factors, including economic changes, legal changes, etc.
• Commercial awareness
• Relationship building capabilities
• Self-starter, following opportunities
• Desire to move forward with projects and clients
• Finding the fastest way to implement

• Set-up exposure limit tracking processes
• Identify additional Vehicle dealer partners
• Build relationships with major clients

This offer from "Netbank" has been enriched by Jobgether.com and got a 78% flex score.