A GLIMPSE ABOUT CRÉDIT AGRICOLE EGYPT:
Crédit Agricole Egypt Since its launch in 2006, Crédit Agricole Egypt has succeeded to become a strong player on the economic scene, positioning itself as the Reference European Bank in Egypt. Aiming to become a leading innovation-driven sustainable bank, Crédit Agricole Egypt is committed to bring its international expertise to the local market to serve its clients and drive the sustainable development in line with Egypt’s national priorities.
With a universal customer-focused model, Crédit Agricole Egypt is “a whole bank just for you” serving the entire spectrum of customers: individuals, SMEs, enterprises, Corporate and public sector. Prioritizing its customers’ best interests, Crédit Agricole Egypt presents an extensive range of services, tailored financial solutions and the sound advice, to accompany its clients in their walk of life. Awarded most innovative bank in Egypt, convenience and distinguished customer experience is Crédit Agricole Egypt’s endeavor to attain its customers’ satisfaction throughout its nationwide network of branches and its state-of-the-art fully-fledged platform of digital services. Furthermore, Crédit Agricole Egypt is in line with the world’s digital transformation, encouraging and implementing an innovative environment to exceed its customers’ expectations.
In addition, for being an active contributor to the local economy, the bank is committed to support the development of the Egyptian community and the respect of the environment.
Responsibilities:
- Manage the Personal Loans, Auto Loans and OVDs products.
- Extend product propositions & open new business segments new markets
- Assist the assets head in setting up the strategy of development for cash and auto loans product including the commercialization plan, marketing tools & develop the consumer lending activities toward green concept
- Capture and analyze essential customer and competitor information.
- Resolve issues with sales and credit to help in achieving sales goals
- Conduct regular and detailed market scans for competition's latest products and offerings to support assets product head deliver/launch assets products based on market/customer needs.
- Consolidate product and program limits allocation on monthly basis.
- Responsible of compliance NAP annual review preparation & to be presented to the NAP committee
- Assist in designing, implementing and reviewing process, policy to optimize operational efficiency and drop TAT for each assets product to ensure providing acceptable customer level and competitive service level
- Collecting data from Business planning, Risk and Finance in order to road map program performance and strengthen the area of challenges
- Work with the IT department for program creation and test process
- Prepare & manage the annual review for cash and & auto loan product.
- Support in implementing strategies & marketing initiatives to grow portfolio & gain market leadership in line with overall business strategy.
- Support Assets Products Head in implementing the overall Loans and overdrafts strategy and annual plan to achieve required target.
- Interface with Credit, Risk, Operations, legal, and Compliance to ensure timely execution of launch/business plans.
- Constant interaction with competition to keep track of market situation
- Understanding of profitability drivers & market development across the various products life cycle stages.
- Suggest initiatives to increase acquisition and equipment ratio, in addition to new tools facilitate customers’ lifecycle and onboarding process by looking into existing Processes and documentation and recommend enhancements.
- Support front line in preparing customers’ offers and ensure offers is matching with program/product specification or modifications (if any).
- Liaise with legal, compliance, and policy and procedures for contracts/agreements modification and amendments.
- Assist in designing and reviewing policies and procedures to optimize operation efficiency.
Qualifications:
- Sound knowledge of credit underwriting techniques and risk analysis (qualitative, analytical and scoring based).
- Strong understanding of profitability drivers and market development across the various product life cycle stages.
- Good level of analytical skills & ability to understand scientific marketing techniques including surveying and statistical analysis in marketing program development.
- Familiarity with bank’s operations, sales & support environments & a strong customer focus.
- 3+ years of related banking & finance experience incorporating marketing, analysis and leadership responsibilities.
