International business requires an international corporate philosophy. Are you open to new ideas and do you value cultural diversity? At Raiffeisen Bank International, we are pleased to have more than 16 million customers in 14 CEE countries. And our journey continues – with exciting new issues for us to tackle such as digitalisation and changing customer needs. Join us on our journey.

Lending Product Manager (f/m)

The Lending Product Manager drives secured and unsecured lending business for Private Individuals (PI) across 14 network banks (NWBs) of RBI Group. With the total portfolio of over 22 billion EUR, he/she will support the development and implementation of a lending strategy in the NWBs (in close alignment with Risk Management) with focus on further growth and profitability. The Lending Product Manager ensures a cohesive product set for PI customer base focusing on simplification, profitability and actionable product features. He/she will support the design and roll-out of targeted programs and continuous transfer of best practices, in particular, in the area of digital lending, in order to support NWB goals.

What you can expect:
  • Identification and implementaion of product opportunities and improvements in the product design, processes and pricing of unsecured personal loans and mortgage loans to capture market share/ drive profitability
  • Approving and monitoring new product launches/ modification of existing products, to make sure risk adjusted gross income is at adequate target level
  • Supporting NWBs to develop appropriate strategic aspirations and annual budgets for lending products
  • Identify opportunities to improve processes (TTY, TTC) as well as OPEX on a product level and working with IT/ Ops to implement
  • Boost lending business for new-to-bank customers by developing new programs/campaigns and by simplifying the application process and increasing conversion rates
  • Driving development and implementation of top-up, up-sell and x-sell strategies as well as attrition programs to increase profitability on a customer level
  • Special focus on further growth and improvement of digital lending as a new and rapidly growing channel
  • Spread RBI best practices in the region, organize best practice workshops (e.g., pricing, digital innovations in lending, etc.) and further develop lending community across NWBs  


What you bring to the table:
  • Minimum 5 years relevant experience in Retail Banking in a leading consumer bank, with particular emphasis on lending business
  • Cross-functional experience, especially in Risk Management, highly appreciated
  • Profound Project Management skills, including a structured and organized way of working
  • Multi-disciplinary analytical skills, good understanding of market opportunities  
  • Change management skills backed by strong multi-cultural sensitivity
  • Creative and solution-oriented approach combined with strategic thinking
  • Excellent command of English, German or CEE language would be an advantage
  • Willingness to travel throughout the Raiffeisen network
  • Highly self-motivated and independent

What we offer:
  • You’ll work in an international team at a leading bank
  • You’ll benefit from flexible working arrangements and determine your own work-life balance
  • You’ll benefit from the very latest in tailored professional development
  • You’ll earn an appropriate salary starting at gross p.a. 66.000 including overtime

RBI AG is committed to creating a diverse environment and is proud to be an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to age, ethnicity, race or color, national origin, religion, political or other opinion, gender, sexual orientation or disability.
Vesna Dusanic is looking forward to receiving your online application!
https://jobs.rbinternational.com