OIC Head, Product

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Position Title: Head, Product and Portfolio Management Department

Job Summary:

This position is responsible for managing a team for the development of consumer loan products thru campaigns and/or offering and ensuring compliance to regulatory and credit policies of the Bank thru policy-setting.

Specific Duties & Responsibilities:

Develops and maintains product program manuals covering all aspect of each product or service, including product benefits, market environment and competition, target market, pricing and profitability, distribution, resource requirements, commercialization / marketing and promotions.

Provides market and competitive scans, evaluate comprehensiveness, competitiveness and marketability of consumer loan product offerings.

Overall manager of online platforms and digital communications.

Performs leads nurturing functions such as pre-screening, recommendation for approval and completion of loan documents.

Collaborates with Analytics, Brand, Communications and Marketing Technology Group (ABCMTG) for necessary above or below the line promotion, advertising and targeted campaigns (such as cross-selling, etc.), to increase sales and product take-up.

Prepares the campaign profitability analysis versus promo and marketing spends.

Together with ABCMTG craft an end-to-end leads generation process and applicable customer journey for campaign launches and "always on" marketing.

Spearheads test programs to assess the current market to augment consumer loan portfolio and improve performance quality.

Performs leads management derived from online sources and supervises campaign execution (i.e. call-out team, hiring and training of project hires, daily monitoring of campaign stats versus KPIs, MIS reports for post mortem).  Monitors campaign uptake and recommends changes when necessary to ensure that campaign KPIs and metrics are met.

Recommends and proposes new product offerings attuned to the ever-changing needs of the market.  Responsible for its development and marketability.

Coordinates with Compliance, Information Security, Anti-Money Laundering, Office of the General Counsel, and/or Business Systems Divisions for product- and policy-related matters, as deemed necessary.

Drives the department's internal and external audit findings to resolution; Prepares data supplementary to regulatory reports.

Performs other related functions that may be assigned from time to time.

Qualifications:

Bachelor's degree in Business Administration, Finance, Marketing, or a related field; a Master's degree is an advantage.

At least 6 years proven experience in developing and managing consumer loan products and campaigns.

Strong analytical skills in market research, product profitability, and performance metrics.

Leadership in managing cross-functional teams and digital platforms.

Deep understanding of banking regulations, credit policies, and compliance coordination

Other Details:

Rank: Senior Officer
Unit: Consumer Business Sector – Consumer Lending Group
Location: The Shops, BGC, Taguig