*Reference: JHB000553-AS-1* One of South Africa's Banking Giants is looking for a Head of Non-Salary Lending to join their team. *Purpose Statement: * To set, enhance and drive the Retail Credit Management Non-Salary lending service offering for Retail Banking through: * Providing strategic direction and operational insight within Retail Credit Management for Non-Salary lending, underpinning and enabling the delivery of the Retail Banking strategy. * Leading and overseeing the Non-Salary Lending department, and taking accountability for optimising departmental performance (including strategic business planning and implementation of standards, credit risk policies, principles and processes). * Driving (in collaboration with Delivery Head) the automating of non-salary lending processes.   **Key Tasks & Accountabilities: Business Planning and Strategy   ** * Work with the Divisional Executive: Credit Management Retail and provide subject matter input towards the development of the Retail Credit Management strategy. * Apply credit expertise and an innovative approach to devise and develop a strategy for the growth of Non-Salary lending * Devise the Non-Salary Lending business plan and operating model, ensuring alignment with the strategic goals of Retail Credit and oversee its implementation. * Establish metrics and processes in Non-Salary Lending which provide clear and comprehensive performance measurements. * Develop the non-salary lending budget and get it approved. Work with the Delivery Head to manage expenses and vendor costs.  * Identify, conceptualise, define and help bring to market new Non-Salary lending Credit business opportunities * Work with the Divisional Executive: Credit Management Retail to plan Non-Salary Lending opportunities and initiatives that will service and achieve the strategic and business objectives of Retail Credit. *Non-Salary Lending Projects and Product Delivery  * * Bring together credit and business expertise to identify opportunities to develop and grow the secured and unsecured credit product portfolio. Guide and oversee the quantification of the value-add associated with opportunities to inform the compilation, and delivery of business cases. * Define the roadmap and execution strategy for the future (types of products, business models, partnerships, etc.) and guide and decide on what’s best, based on the Company strengths. * Take the overall lead to develop and enhance Non-Salary lending products, partnering with Credit and other stakeholder departments for operationalising the delivery. * Define, motivate and track the business cases and targets of Non-Salary lending products. * Accountable for the integration, oversight and delivery of Non-Salary Lending initiatives and projects to achieve business plans and goals. * Provide guidance and direction to the Managers (across the business), ensuring the effective exploration of credit related business opportunities in the respective prod