Overview
Head, Product, Structured Trade & Commodity Finance Jobs in City of Johannesburg, Gauteng, South Africa at Standard Bank Corporate and Investment Banking
Title: Head, Product, Structured Trade & Commodity Finance
Company: Standard Bank Corporate and Investment Banking
Location: City of Johannesburg, Gauteng, South Africa
The Opportunity
Standard Bank CIB is seeking a strategic leader to own the STCF portfolio (pre-export finance, Borrowing Base, and Inventory-backed lending). The role will act as the "engine room" for our Africa-anchored franchise, ensuring commercial scalability, disciplined capital usage, and rigorous regulatory compliance.
Core Responsibilities
- Product Architecture: Define strategic constructs, collateral frameworks, and asset coverage models aligned to risk appetite.
- Commercial Strategy: Drive STCF commercialization across target industries, supporting Coverage/Sales teams to position solutions as key enablers of trade and working capital.
- Portfolio Management: Lead the full lifecycle from structuring to execution; monitor RWA intensity, risk-adjusted returns, and lead proactive interventions (restructuring/covenant resets).
- Governance & Risk: Establish 1LOD standards, including security packages, perfection requirements, and portfolio limits across countries and commodities.
- Digital Transformation: Champion digitization for real-time collateral tracking, automated borrowing base reporting, and streamlined workflows to reduce operational friction.
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Required Experience
- Experience: 5–7 years in Structured Trade and Commodity Finance, with a proven track record in leadership and product solution implementation.
- Technical Edge: Expert understanding of Transaction Banking, risk/reward modelling, and the South African regulatory landscape.
- Education: A First Degree in Business Commerce, Finance, or a related field.
- Skills: A "structured thinker" capable of moving from high-level strategy to granular operational planning.