Secured Mortgage Loan Manager

About the role

ECFA Sh.a, a microfinance institution offering unsecured consumer loans to individuals, is expanding its team and looking for an experienced professional to manage operational risk, compliance and internal control. The Secured Mortgage Loan Manager is responsible for developing, selling and following through on secured mortgage loans, setting sales strategy, monitoring the collateral blocking and registration process and ensuring high-quality portfolio results.

Key responsibilities

• Develop and implement annual and quarterly sales strategies, set sales targets per channel and team, and define target customer segments
• Analyse the market and competition, propose changes to terms, rates and commissions, and plan promotional campaigns together with marketing
• Identify cross-selling opportunities such as moving customers from unsecured to secured loans, refinancing and additional loans
• Follow every application from first contact through valuation, approval and disbursement, keeping a clear pipeline and monitoring conversion, process time and stuck applications
• Coordinate with the call centre, branches, digital channels and partners, and organise regular team reviews
• Ensure all collateral is blocked and registered correctly, verify property documents, coordinate valuations and check the loan-to-value ratio
• Monitor the portfolio quality and NPLs, work with the risk and recovery department on problematic cases, and propose policy improvements
• Prepare weekly and monthly reports on sales, pipeline, conversion and collateral blocking

Required profile

• University degree in finance, economics, banking, business administration or a related field; a master's degree is an advantage
• At least 5 years of experience in lending, preferably in secured mortgage loans
• At least 5 years of experience leading or coordinating sales teams
• Good knowledge of credit products, lending policies and the legal framework for collateral

Required skills

• Strong analytical skills and use of reports and KPIs
• Excellent communication, negotiation and leadership skills
• Good use of CRM, credit systems and Excel
• Detailed follow-up of multi-step processes

Candidates apply by sending their CV through the company's recruitment partner.