Renata Arua
Port Moresby
Summary
Enthusiastic and experience in Home Lending and other Lending product, eager to contribute to team success through hard work, attention to detail and excellent organizational skills. . Organized and dependable candidate successful at managing multiple priorities with a positive attitude. Willingness to take on added responsibilities to meet team goals. Motivated to learn, grow and excel in the Finance and Banking Industry
Overview
12
12
years of professional experience
Work History
Product Manager – Lending
CreditBank PNG
11.2023 - Current
- Contribute to the Project transformation of CreditBank PNG
- Creating and designing lending application forms for the new lending products
- Completed and collated data for the parameter of the lending products
- Configuration of the lending products on lending management system
- Testing and Validation of the lending products
- Develop business requirements documents and collaborated with the PMO office for the deliverables
- Drive continuous improvement on the lending products.
- Review existing lending process, forms and applications.
- Monitor and report on the performance of the lending products launched
- Work closely with the vendor for any enhancement change request
- Maintain customer experience and provide feedback
- Develop product factsheets and conduct competitor analysis.
- Collaborated with sales teams to develop effective training materials that drove increased product knowledge among staff members, resulting in higher close rates.
- Communicated effectively with team members to deliver updates on project milestones and deadlines.
Senior Manager Home lending
Kina Bank
03.2023 - 10.2023
- Contribute to the management of the financial drivers of the bank’s customer base (prospective and existing) to support growth and improve profitability
- Collating and reporting on Sales pipeline for the Home lending team in terms of drawdowns and targets
- Drive Relationship building with corporate companies, Developers, and other external stakeholders
- Develop tool that will assist with measuring performance of the team by home lending specialist.
- Provided strong leadership to enhance team productivity and morale.
- Collaborated closely with peers from other departments to drive organizational success jointly as one cohesive unit.
- Mentored junior staff members for skill development and career progression within the organization.
- Established strong relationships with clients and stakeholders, ensuring long-term partnerships and repeat business.
- Improved team performance by providing comprehensive training and fostering a collaborative work environment.
Manager Home Lending Services
Kina Bank
07.2019 - 03.2023
- Manage home lending pipeline from qualified prospect to draw down total of K108Mil, delivering average of K7mil monthly settlements with file count between 20-25 files monthly
- Manage and ensure that all Home loan insurance policy/s for customers are renewed on time and in placed
- Maintain and ensure that that all Home loan settled applications a lodged by the operations team to the department of lands for transfer registration
- Managing Ongoing Monthly Annual reviews /Reports due
- Enhanced process documents/documents by implementing checklist to provide efficient turnaround time, customer experience and initiatives that addressed long-standing challenges
- Achieve customer acquisition, service, retention and share of wallet targets set for the home lending product for all customers
- Provide feedback to operational, front liners and/ design segment and risk areas on issues that have impact on Home lending services
- Provide advice /feedback in customer value propositions
- Collaborate with, home lending specialist, stakeholders, customers on any outstanding closing conditions required to fund the loan
- Ensure operational controls are robust and effective in delivering business goals including key areas such as resourcing, usage of tools, Credit quality and complaints resolution
- Role model a risk management culture through behaviors, discussions and interactions with staff and customers
- Simplify and strengthening operations to execute flawless and efficient service
- Lead and develop the capability of others through effective coaching, mentoring, professional development and performance management
- Drive accountability and a strong performance and risk management culture
- Create, maintain and promote an environment that encourages employees' wellbeing and a safe working environment
Head of Esi Loans
Kina Bank
11.2018 - 06.2019
- Managed the Esiloan branches and Operation and collection team
- Responsible for managing financial drivers (loan margins, fees and charges) for Bank's Esiloan portfolio to grow and improve profitability of business
- Manage cost targets and budget as agreed
- Design and implement effective expense management systems
- Manage real estate and infrastructure in conjunction with Operations, Group Shared Services and Product Development
- Ensure sound Risk Management principles and systems are in place
- This includes proactively identifying risks, implementing actions and improvements and monitoring remedial outcomes
- Provide advice in design of product and customer value propositions
- Monitor competitor distribution performance and pricing and recommend strategies to ensure Kina Bank delivers performance superior to our competitors
- Ensure operational controls are robust and effective in delivering business goals including key areas such as resourcing, sales focuses, operating hours, Credit quality and complaints resolution
- Ensure that monthly target for respective branches is achieved
- Enforce and lead an open communication pathway for all leads to use
Product Manager - Lending
Kina Bank
11.2018 - 06.2019
- Developed product documentation to communicate upcoming features and products to internal teams
- Drive innovation around product development and management cycle
- Prepare business cases for new product developments
- Manage marketing collateral of all Lending-banking products and ensure that they are consistent across all platforms
- Monitoring competitor and market and giving feedback on the findings and make recommendations
- Team up with Marketing and coordinate for delivery of launch campaigns across the marketing mix
- Update and change product and process documentation
- Implementation of new product or changes to existing products into the business
- Manage specific product back-book and clean-up initiatives
- Ensure that Day to day query resolution on all aspects of lending banking products routed through to product development
- Monitor customer experience and provide regular feedback
- Ensure customer service experience is in line with agreed SLA's
Senior Team Leader Credit Services - Esiloan
Kina Bank
11.2013 - 10.2018
- Provided support to the Esiloan branches and Operation team
- Responsible for all Esiloan application to be pre assessed before submission
- Manage cost targets and budget as agreed
- Design and implement effective expense management systems
- Ensure sound Risk Management principles and systems are in place
- This includes proactively identifying risks, implementing actions and improvements and monitoring remedial outcomes
- Provide advice in design of product and customer value propositions
- Ensure operational controls are robust and effective in delivering business goals including key areas such as resourcing, sales focuses, operating hours, Credit quality and complaints resolution
- Ensure that monthly target for respective branches is achieved
Group Finance Officer
Kenmore Group Of Companies
02.2013 - 07.2013
- Quickly learned new skills and applied them to daily tasks, improving efficiency and productivity
- Demonstrated respect, friendliness and willingness to help wherever needed
- Performed duties in accordance with applicable standards, policies and regulatory guidelines to promote safe working environment
- Used coordination and planning skills to achieve results according to schedule
- Monthly Debtors Report
- Taxation Matters ( IRC)
- Organizing of Monthly Financial Controllers Meeting
- Consolidation of monthly Reports
- Training Levy and Business Income Withholding Tax Returns
Education
Diploma in Management And Leadership - Business Management
IBBM Affiliated With Torrens University
03.2017
Diploma in Financial Services - Financial Planning And Services
Victoria University
06.2012
Advance Diploma in Accounting - Accounting
Victoria University
06.2012
Diploma in Accounting - Accounting
Victoria University
06.2011
Skills
- Product strategy
- Teamwork and collaboration
- User story creation
- Stakeholder communications
- Product validation
- Requirements gathering
- Microsoft skills
- Training and Presentation
- Sales and Services Skills
- Lending Skills
- Staff management
- Leadership and Management
Hobbies and Interests
- Reading books or information pieces
- Enjoy Outdoor activities
- Learning new things
- Travel
- Cooking
Additional Information
Referees :
Lena Chapman
Senior Relationship Manager
CreditBank PNG
Ph: 3085500
Email: LChapman@creditbank.com.pg
Terry Hall
CEO
Mahogany Capital
Ph : 7360 5328
terry.hall@mahogany.com.pg
Joselito Tubon
Operation Manager
CHM Group
Ph:7106 5660
Joselito@chm.com.pg
Timeline
Product Manager – Lending
CreditBank PNG
11.2023 - Current
Senior Manager Home lending
Kina Bank
03.2023 - 10.2023
Manager Home Lending Services
Kina Bank
07.2019 - 03.2023
Head of Esi Loans
Kina Bank
11.2018 - 06.2019
Product Manager - Lending
Kina Bank
11.2018 - 06.2019
Senior Team Leader Credit Services - Esiloan
Kina Bank
11.2013 - 10.2018
Group Finance Officer
Kenmore Group Of Companies
02.2013 - 07.2013
Diploma in Financial Services - Financial Planning And Services
Victoria University
Advance Diploma in Accounting - Accounting
Victoria University
Diploma in Accounting - Accounting
Victoria University
Diploma in Management And Leadership - Business Management
IBBM Affiliated With Torrens University
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