Responsibilities:

The Loans Onboarding Expert (Cash Lenders) is responsible for working with solution managers to on-board each cash lender client . This requires them to:

Conduct a risk assessment of partners

• Gather documents from the partner

• Analyze business continuity

• Describe the loan process

• Gather and analyze information on loan repayment rates

• Support the AML expert in developing the AML policy

• Share information with internal experts (AML, Credit risk, etc.) to complete the Partner Risk Assessment

On-board the partners (KYC, etc.)

• Gather documents from the partner

• Ensure KYC requirements are met

Conclude legal and commercial agreement with partners

• Present commercial approach. Manage the commercial negotiations. Present deviations to senior mgmt.

• Present legal documents. be the interface between the partner and Netbank lawyers. Manage the legal negotiations.

Confirm technical design / gaps

• Describe the loan process flows (in the Loan Partner Technical Design doc)

• Work with the technical teams to identify and resolve any gaps

• Sponsor CRFs needed to close these gaps

Confirm operational design / gaps

• Draft the Loan Operations Manual

• Confirm with the Loan Operations team

• Dry-run process flows

Implement pilots with partners

• Register any findings and resolve

Support risk reviews

• Support the risk team in the Quarterly Loan Program Review

• Identify implications from the Loan Program Reviews and improve the loan processes to reduce risk

Outputs will include:

• Partner risk assessments

• Process flow maps

• Change Request forms

• Loan manuals

• Contracts
  
  

Metrics to monitor

• Turnaround time for new loan partnerships
  
  

Required skills and qualifications

Education: Bachelor’s Degree, preferably in Information Technology. IT/ Systems experience in Banking background preferable also.

Professional Qualities

• Details oriented

• Customer focus

• Team player

• Results-oriented

• Decision making

• Efficient

• Leadership skills in developing a team and managing relationships with partners.

Technical Skills

• Experience in credit product design

• Broad expertise in credit processes

• Ability to create contacts across potential partners

• Deep experience in design and documentation of loan products

• Highly knowledgeable in banking operations, Information Technology and Systems

Preferred Qualifications

• At least 4 year of experience in loan product design.

• Capable of effectively communicating with various concerned units to relay or escalate issues and concerns.

• Familiarity with Application Programming Interfaces (APIs) is a plus.