Product Manager Mortgages Injaz - RBG - Mortgage Retail Banking Group

- Responsible for Optimizing the Product and achieving set Business goals on Product Portfolio and Profitability.

- Manage create and oversee the product development strategy and promote key mortgage offerings/propositions.

- Recognize recommend and implement new strategies for balance ENR growth.

- Identify & Recommend new product developments are aligned with the customer needs, organizational resource and current strategies.

- Manage the roll out and deployment of new product releases

- Closely monitor pricing by competition to ensure that Mashreq offerings are competitively priced.

- Design & run sales camping/booster and promotions to ensure the set business objective as achieved

- Develop requirements specifications for new feature and products

- Work closely with the policy and legal team to develop &/ or update product programs

- Develop training materials & train the front and sales team.

- Manage 3rd party vendors and service providers for mortgages as required.

- Provide subject matter expertise to support the sales team/ channels

- Establish product-lending parameters, validate existing parameters, ensure these parameters fall within the purview of the mortgage regulation by central bank.

- Flag, track and measure the effect of policy changes, and analyze and react to changes in the behavior of the various segment and sub-segments of the portfolio.

- Actively collaborate with all the relevant stakeholders including business, sales, credit and risk to profitably grow the portfolio

- Establish processes to ensure robust workflow and simultaneously build checks balances for fraud prevention and (operational) risk management

- Set SLAs/TATs with support functions for processing transactions and build monitoring of these SLAs and TATs.

- Intense engagement with the digital squad to build journeys for onboarding and mortgage servicing

- Provide regular feedback to Business manager, policy and compliance

- Increase sales to achieve targeted numbers for sales and revenue across the entire product range

- Initiate & implement end to end customers experience process for affluent the segment increasing penetration and overall profitability