Head, Product, Structured Trade & Commodity Finance Business Segment: Corporate & Investment Banking Company: Standard Bank of South Africa Location: ZA, GP, Johannesburg, 30 Baker Street Responsibilities Define and maintain the strategic product architecture for STCF, including product constructs, collateral frameworks, eligibility criteria, and appropriate asset coverage models. Develop methodologies, margining rules, covenant structures, reporting standards and utilisation mechanisms, aligned to client risk profiles and credit appetite. Lead full lifecycle management of the STCF product suite from origination and structuring to execution, monitoring, enhancement and exit. Establish and maintain governance frameworks, including deal templates, security packages, perfection requirements, collateral control standards and operational risk thresholds. Define and monitor portfolio limits across countries, obligors, commodities, and ecosystems, ensuring alignment with concentration, sovereign, and counterparty risk appetites. Develop deal structuring playbooks and pricing frameworks that support consistent origination, competitive positioning and alignment with client value propositions. Drive commercialisation of STCF across target industries, markets and client segments, including development of distribution strategies (e.g., risk participation, insurance wraps). Support Coverage and Sales teams in engaging anchor clients, expanding into ecosystems, and positioning STCF as a strategic enabler of trade flows and working capital needs. Monitor portfolio performance across risk‑adjusted returns, RWA intensity, impairment trends, collateral health, and early‑warning triggers. Drive product‑level capital optimisation by designing structures that balance commercial outcomes, risk appetite, regulatory capital, liquidity and return hurdles. Lead proactive portfolio interventions including restructuring, covenant resets, margining adjustments and collateral enhancements to protect asset quality and meet P&L expectations. Champion digitisation and technology enablement across STCF, including solutions for collateral tracking, real‑time monitoring, data ingestion, and early‑warning insights. Introduce automation and workflow simplification for borrowing base reporting, compliance checks, release processes and operational controls. Enhance end‑to‑end execution quality by reducing time‑to‑close, improving client onboarding efficiency and strengthening cross‑functional delivery. Elevate documentation standards, legal robustness and enforceability through consistent templates, clear structuring notes, and rigorous credit alignment. Provide oversight during execution to ensure adherence to risk frameworks, operational readiness, collateral controls and post‑deal monitoring standards. Qualifications Type of Qualification: First Degree Field of Study: Business Commerce Must 5 to 7 years’ experience in structured trade and commodity finance Experience in leading a team within structured trade and commodity finance Experience in implementing systems and product solutions within structured trade and commodity finance. Must have advanced understanding of structured trade and commodity finance and Transaction Banking, with broad operational and strong functional skills. Solutioning Transaction Banking More than 10 years - Champions the simplification of Solutioning ways of working to enable better and faster client outcomes across multiple jurisdiction More than 10 years - Comprehensive understanding of the overall firm and competitive environment and broad knowledge across multiple functions and business lines More than 10 years - Demonstrate a track record of identifying and driving opportunities to expand and shift the market with new and alternative solutions aligned to current and future clients needs. More than 10 years - Demonstrates knowledge of the macro context working across multiple jurisdictions. Assimilates and applies knowledge to identify, plan and solution for multiple clients More than 10 years - Develops clear solution value proposition aligned to client needs and focused on creating differentiated client experience and value. More than 10 years - Drive and manage the display and understanding of the relevant legislation, regulations and solution requirements within relevant geographies More than 10 years - Formulates a compelling vision and clearly articulates the benefits and future applications of any solutions, trends, client impacts across the TxB solution landscape. More than 10 years - Integrates CIB ESG priorities and strategic imperatives to embed an authentic approach that fosters sustainable profitability across the TxB landscape More than 10 years - Manage continuous improvement of internal solutioning system, address and guide team regarding trouble shooting, errors and liaise with IT Department in case of technical issues and enhancements, linked to operational requirements and compliance #J-18808-Ljbffr