Head of Mortgage Product

Key Accountabilities:Manage product team o develop products and services to increase bank's consumers market share/profitability.Working with management across all distribution channels and Head Office functions to proactively identify and drive Mortgage lending related projects to improve business.Managing detailed and complex business analysis relating to Mortgage Lending productsCarrying out comprehensive market analysisDesigning, collating, producing and communicating key management information to all stakeholders, including financial, product and consumer MIPlay a leading role in the development and proposal of yearly targetsIdentify, evaluate and communicate market opportunities to Senior Management Team. Provide clear business rationale for pursuing different business opportunities, which should include an investment business case, financial projection and detailed assessment of risksIdentifying ways to create value for shareholders, the business and customers by delivering customer focused propositions including changes, enhancements and new developments to the marketplace.Monitor market, consumer and competitive landscape with a key focus on insight led proposition development, ensuring product range and overall proposition is aligned to changing customer and market requirementsInitiate, coordinate and drive product and pricing changes, managing development through to approval and delivery across all critical functions and distribution channelsManage the development and delivery of a best in class, multi-channel customer experienceSupport the growth of the Mortgage Lending book by working closely with the Customer Propositions Team (Brand & Communications, Customer Analytics and Online) to develop and refresh the Mortgage marketing planDevelop strong relationships with key stakeholders across all bank including Distribution, Finance, Credit, IT, Operations, Legal and complianceDevelop the business cases with necessary market assessment information, current market practices, product offerings, competition strategies, sales channels and risk mitigate.Close liaison with Credit Risk in formulating and maintaining credit policies that suits the customer needs without compromising the risk.Liaise with change, Operations & Technology teams for development of processes, infrastructure and IT capability.Monitor performance of consumer assets Products Line against key measures.Report results with recommendations about performance.Own end – to – end product life cycleResponsible for the Product Mix, and Product positioning of all existing and new products.Manage the key aspects of the income statements such as revenues, expenses, losses and provisions etc.Implement governance, risk, compliance and control in line with ADIB group policies.Provide ongoing training to front liners on new products.Qualifications:University/College Degree.10 + Years of experience in different retail banking areas out of which 4 years of it in product management.