Active Jobs at Absa Group Limited (Absa)

Job Summary

• The purpose of the role is to manage customer debt through effective and efficient collections tactics in order to minimize the loss to Absa. This will involve negotiating repayment from customers with the objective of rehabilitating customer accounts, before they deteriorate further into delinquency.

Job Description

Key Responsibilities 

• The success of everyone at Absa is measured by our ability to put our customers at the center of everything we do. To achieve this you will need the following:
• Agree collections targets on a monthly basis with the Team Leader in line with portfolio and product targets as communicated by Customer Value Management.
• Meet the minimum productivity requirements for calls on a daily basis to ensure optimization of the collections function and achievement of the monthly collection target.
•  Manage customer accounts and calls by logging on to and updating the relevant collections systems including Megallon and Avaya.
•  Use the appropriate collections scripts and other tools available to verify clients identity and negotiate with customers to obtain a promise to pay (PTP) or to negotiate the repayment terms which will achieve the best outcome for both the Bank and the customer.
•  For more complex accounts, analyze customers' account history and provide the customer with a recommendation on the appropriate options available (e.g. account restructures in the case of arrears amounts on multiple products and/or refer the customer for debt review/counselling) to rehabilitate their account.
• These recommendations need to be aligned to the requirements as outlined in the Restructuring and/or Re-Age Policy.
•  If no solution can be negotiated, calls must be escalated to the Team Leader for assistance.   Update the OCS system upon completion of the negotiation with the customer to indicate the agreement reached. with the customer in terms of the collections option that will be implemented
• Adhere to all Company Policies and Procedures as outlined in the Absa Bank Credit Risk Model etc.
•  Fulfil the requirements of and comply to all relevant Acts and Statutory requirements e.g. the National Credit Act.
• Identify fraudulent accounts and escalate these concerns to the Team Leader
•  Adhere to internal systems access control policies at all times and report any irregularities to the Team Leader or relevant party.
•  Adhere to the internal code of conduct at all times and report any irregularities to the Team Leader or relevant party.
• Complete all compulsory training within the required timeframe.
• Contribute towards an audit rating of sufficient or better by compliance to internal processes, policies and procedures.
• Timeously route all administrative work to the Administrative support team for processing according to the relevant process and procedures.

Education and Experience Required

• National Diploma or  equivalent NQF level 5 qualification
• At least 1 - 2 year/s relevant customer and sales experience in a Banking environment
• At least 1-2 years’ experience in Retail Branch Banking  
• Complaint and/or query resolution experience

Education

• Further Education and Training Certificate (FETC): Business, Commerce and Management Studies (Required)

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Job Summary

• To follow the six steps of financial planning in executing the role of a FAIS licensed financial adviser. A professional introduction must be made to introduce the adviser and the services offered by the adviser. Upon client approval the adviser may conduct a Financial Needs Analysis (FNA) in the disciplines of Investment, Life Insurance and Estate planning. Based on the concluded FNA to make recommendations to address single or multiple needs identified on behalf of the client. Advice recommendations will must be presented under the license categories for which the adviser is accredited Absa approved product(s) that are deemed will meet the needs of the client. On client acceptance of all or part of the advice, the adviser is required to implement the accepted advice through Absa’s new business processes. The adviser must conduct regularly review of the client needs to assess continued suitability of implemented solutions. In these reviews, new needs may be addressed and changes to existing plans be proposed to ensure continued solutioning of client needs. Adviser must continue to ensure ongoing Fit and Proper status to enable them to offer services under an Absa advice license.

Job Description

• Accountability: To establish and maintain a professional relationship with all stakeholders (Client, Bank personnel, product providers and Adviser Support staff)
• Participate in reciprocal leads activities and sales/pipeline meetings to identify opportunities for new or repeat business, and fully utilising Absa’s bancassurance structure.
• Assess client’s needs through use of recommended needs analysis tools, ensuring that the client is aware of the full value proposition offered by AIFA.
• Prepare recommendation and quote for appropriate risk and investment solutions based on the client’s individual needs and profile.
• Present recommendation to clients, ensuring that all FAIS regulations are followed regarding advice given.
• Follow all the steps in the designated client engagement process as specified by Absa Advisers.
• Provide regular feedback to the Regional Manager on actions taken to progress the lead to business.
• Network, on an ongoing basis, with all stakeholders in Everyday Banking (PGM’s and Regional Managers) and elsewhere by attending their meetings and social gatherings to position the Absa Advisers' value proposition to the Bank and to the clients

Accountability: Meet sales and/or growth targets

• Do activity planning by identifying the clients to be approached/contacted during a particular period in conjunction with Everyday Advice Executive.
• Using the leads information provided by the source and or Regional Manager listings, as well as leads sourced through own prospecting activities and determine the client's financial needs.
• Make exclusive use of Absa’s Financial Needs Analysis tool (Avalon from Aug 2024 onwards) to conduct a comprehensive Financial Needs Analysis for the client.
• Obtain the client's consent to access his/her existing policy information by getting him/her to sign the relevant documents to get a comprehensive view of the client's financial needs.
• Discuss various possible solutions and options available with the client and thereafter recommend the most appropriate products and or solution(s) to address financial needs.
• Generate and discuss a formal recommendation including product quote(s) for the client.
• On acceptance of part or all the advice recommendations, complete the necessary product application forms and ensure that the client signs the forms to indicate his/her consent to engage in a transaction(s).
• Gather, generate, and complete all the necessary compliance documentation (e.g., Client Advice Record, copy of ID, Financial Needs Analysis, FICA).
• Submit the proposal forms to the relevant product providers for processing.
• Ensure that the issued policy aligns to the recommended product.
• Review the client's portfolio at a minimum of once a year and contact the client based on the adviser and client agreed contact strategy to maintain a healthy client relationship.
• Provide a report back to the Regional Manager and Everyday Banking stakeholders on the strike rate (i.e., the number of leads provided that were converted to business) where applicable.
• Seek business opportunities from external sources as necessary to grow the book of business and reciprocate leads to Regional Managers and PGM’s.

Accountability: Manage own commission earnings

• Capture the correct Policy Relevant Information (PRI) number on the Commission system.
• On a monthly basis, check the accuracy of the commission statements received from the Broker Commissions department.  Verify that all the PRI numbers reconcile to the commission paid and reflected on the statements Keep the client database up to date by ensuring that new clients are added to the database.
• Follow up on unpaid premiums and lapses by contacting the clients to establish the reasons for the problems Manage the suspense account timeously by clearing it on the system at month end.

Accountability: Practice Management

• Ensure that staff members (Adviser Assistants) have a clear understanding of their roles and responsibilities within the adviser practice.
• Arrange for staff members to receive the relevant training (Absa programs for the Interns) e.g., systems training, product training and operational training.
• Provide coaching and mentoring to assistant(s) with regards to facilitate knowledge and skills development.
• Participate performance development (PD) discussions as required by the Absa performance management standards.
• Take the necessary corrective actions in cases of underperformance in consultation with the Regional Manager. Implement controls with regards to compliant record keeping in accordance with minimum Absa business standards (i.e. FAIS, FICA, FSB and)
• Liaise with  Provincial Operations Office) with regards to maintenance of systems and equipment and provision of other services
• Complete all the required compliance exams in the specified timeframes (e.g. Anti-Money Laundering, Sanctions, BCM, Basic Financial Crime Concepts).
• Remain fit and proper as required for FAIS flagged roles.
• Provide monthly feedback to the branch, and Business Bank, regarding non-interest income (seat costs) and cross-selling opportunities
• Segment the client base according to profile, income potential and commission income.
• Engage with business development strategies with the support of the Regional Manager and our practice management subject matter experts to maximise the sustainability of the adviser practice

Accountability: Personal Development

• Attend all the required training to attain accreditation to market Absa approved products.
• Attend all the requisite internal training (i.e FAIS-related programs/courses).
• Attain the required FAIS credits in order to attain Fit and Proper status
• Ensure that Fit and Proper status is maintained (honesty, integrity, financial solvency)

Education

• Bachelor`s Degrees and Advanced Diplomas: Accounting, National Senior Certificate/ Matric (Grade 12)

go to method of application »

Job Summary

• To follow the six steps of financial planning in executing the role of a FAIS licensed financial adviser. A professional introduction must be made to introduce the adviser and the services offered by the adviser. Upon client approval the adviser may conduct a Financial Needs Analysis (FNA) in the disciplines of Investment, Life Insurance and Estate planning. Based on the concluded FNA to make recommendations to address single or multiple needs identified on behalf of the client. Advice recommendations will must be presented under the license categories for which the adviser is accredited Absa approved product(s) that are deemed will meet the needs of the client. On client acceptance of all or part of the advice, the adviser is required to implement the accepted advice through Absa’s new business processes. The adviser must conduct regularly review of the client needs to assess continued suitability of implemented solutions. In these reviews, new needs may be addressed and changes to existing plans be proposed to ensure continued solutioning of client needs. Adviser must continue to ensure ongoing Fit and Proper status to enable them to offer services under an Absa advice license.

Job Description

• Accountability: To establish and maintain a professional relationship with all stakeholders (Client, Bank personnel, product providers and Adviser Support staff)
• Participate in reciprocal leads activities and sales/pipeline meetings to identify opportunities for new or repeat business, and fully utilising Absa’s bancassurance structure.
• Assess client’s needs through use of recommended needs analysis tools, ensuring that the client is aware of the full value proposition offered by AIFA.
• Prepare recommendation and quote for appropriate risk and investment solutions based on the client’s individual needs and profile.
• Present recommendation to clients, ensuring that all FAIS regulations are followed regarding advice given.
• Follow all the steps in the designated client engagement process as specified by Absa Advisers.
• Provide regular feedback to the Regional Manager on actions taken to progress the lead to business.
• Network, on an ongoing basis, with all stakeholders in Everyday Banking (PGM’s and Regional Managers) and elsewhere by attending their meetings and social gatherings to position the Absa Advisers' value proposition to the Bank and to the clients

Accountability: Meet sales and/or growth targets

• Do activity planning by identifying the clients to be approached/contacted during a particular period in conjunction with Everyday Advice Executive.
• Using the leads information provided by the source and or Regional Manager listings, as well as leads sourced through own prospecting activities and determine the client's financial needs.
• Make exclusive use of Absa’s Financial Needs Analysis tool (Avalon from Aug 2024 onwards) to conduct a comprehensive Financial Needs Analysis for the client.
• Obtain the client's consent to access his/her existing policy information by getting him/her to sign the relevant documents to get a comprehensive view of the client's financial needs.
• Discuss various possible solutions and options available with the client and thereafter recommend the most appropriate products and or solution(s) to address financial needs.
• Generate and discuss a formal recommendation including product quote(s) for the client.
• On acceptance of part or all the advice recommendations, complete the necessary product application forms and ensure that the client signs the forms to indicate his/her consent to engage in a transaction(s).
• Gather, generate, and complete all the necessary compliance documentation (e.g., Client Advice Record, copy of ID, Financial Needs Analysis, FICA).
• Submit the proposal forms to the relevant product providers for processing.
• Ensure that the issued policy aligns to the recommended product.
• Review the client's portfolio at a minimum of once a year and contact the client based on the adviser and client agreed contact strategy to maintain a healthy client relationship.
• Provide a report back to the Regional Manager and Everyday Banking stakeholders on the strike rate (i.e., the number of leads provided that were converted to business) where applicable.
• Seek business opportunities from external sources as necessary to grow the book of business and reciprocate leads to Regional Managers and PGM’s.

Accountability: Manage own commission earnings

• Capture the correct Policy Relevant Information (PRI) number on the Commission system.
• On a monthly basis, check the accuracy of the commission statements received from the Broker Commissions department.  Verify that all the PRI numbers reconcile to the commission paid and reflected on the statements Keep the client database up to date by ensuring that new clients are added to the database.
• Follow up on unpaid premiums and lapses by contacting the clients to establish the reasons for the problems Manage the suspense account timeously by clearing it on the system at month end.

Accountability: Practice Management

• Ensure that staff members (Adviser Assistants) have a clear understanding of their roles and responsibilities within the adviser practice.
• Arrange for staff members to receive the relevant training (Absa programs for the Interns) e.g., systems training, product training and operational training.
• Provide coaching and mentoring to assistant(s) with regards to facilitate knowledge and skills development.
• Participate performance development (PD) discussions as required by the Absa performance management standards.
• Take the necessary corrective actions in cases of underperformance in consultation with the Regional Manager. Implement controls with regards to compliant record keeping in accordance with minimum Absa business standards (i.e. FAIS, FICA, FSB and)
• Liaise with  Provincial Operations Office) with regards to maintenance of systems and equipment and provision of other services
• Complete all the required compliance exams in the specified timeframes (e.g. Anti-Money Laundering, Sanctions, BCM, Basic Financial Crime Concepts).
• Remain fit and proper as required for FAIS flagged roles.
• Provide monthly feedback to the branch, and Business Bank, regarding non-interest income (seat costs) and cross-selling opportunities
• Segment the client base according to profile, income potential and commission income.
• Engage with business development strategies with the support of the Regional Manager and our practice management subject matter experts to maximise the sustainability of the adviser practice

Accountability: Personal Development

• Attend all the required training to attain accreditation to market Absa approved products.
• Attend all the requisite internal training (i.e FAIS-related programs/courses).
• Attain the required FAIS credits in order to attain Fit and Proper status
• Ensure that Fit and Proper status is maintained (honesty, integrity, financial solvency)

Education

• Bachelor`s Degrees and Advanced Diplomas: Accounting, National Senior Certificate/ Matric (Grade 12)

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Job Summary

• Risk Management through cost effective legal recovery of outstanding bad debt exposure by instructing 3rd party professional service providers and engaging with internal customers in the collections, legal and insolvency process.

Job Description

Accountability: Managing the assigned legal portfolio

• Formulate the appropriate recovery strategy to recover as much as possible and to mitigate any additional impairment requirements
• Instruct panel attorney to institute legal action against all liable parties and management of legal process until the matter is resolved
• Initiate, entertain and approve any negotiations or settlements proposals within personal discretion and refer to mandate official if outside personal mandate.
• Provide ongoing instructions to attorney inclusive of evidence required by court such as factual evidence, reconciliations and documentation
• Draw and summation of claim and documentation required in liquidations/sequestrations and deceased estates
• In liquidation/sequestration ensure that the liquidator is protecting the Bank's interest with regards to our assets, whether it is a vehicle, immovable property or any other.
• Assess the risk position by analysing the overall security position to ensure the correct level of impairment is raised.
• Perform financial and non-financial analysis on the client that will support and underpin the recovery strategy to be implemented for a particular group or customer
• Produce relevant management information and statistics as required. This includes reports to the Watchlist Committee if required.
• Manage bad debt exposures by taking daily legal recovery decisions and reviewing information from various systems and taking loss decisions accordingly.
• Report all risk and loss events as a result of fraud or error
• Monitor progress on defended/opposed matters in consultation with Group Legal and submit Form B.
• Engage with Team Leaders and higher levels on a matter to matter basis regarding complex matters.
• Submit Khula claim and attend to all queries until finalised
• Action all new accounts within prescribed time frame
• Follow up on all accounts regularly and manage diary dates
• Ensure that correct risk types and status codes are allocated to accounts
• Accept full and final settlements or refer if outside mandate
• Recommend write-off or canning of account
• Attend any meetings or committees as and when required, e.g Watchlist Committee.
• Negotiate with clients where necessary within own mandates, on the most
• favourable terms possible and the execution of written recommendations to
• mandate holders and or committees in respect of those matters which exceed own mandate.
• Requesting of valuations of properties
• Sign all documentation e.g. affidavits for legal action when required.
• Appear in court and present evidence when required to do so.
• Decide whether to grant leave to defend or proceed with Summary Judgment application
• Accept payment arrangements and monitor adherence to the agreement
• Consider and accept/recommend any offers on security assets like vehicles or immovable property.
• Attend to and finalise all queries/disputes and complaints from clients. If complaint has been officially lodged attending to and finalising it within timeframe on CCP system.
• Peruse offers to purchase (e.g. on property) and make detailed recommendation as to whether it should be accepted or not.
• Attend auctions as and when required
• Visit properties and attorneys as and when required

Accountability: Management of 3rd party relationships

• Responsible to provide instructions to 3rd party service providers as first point of entry with clear guidelines including monitoring the progress to protect the Bank's interest
• Maintain effective and professional working relationships with attorneys, EDC's insolvency practitioners and auctioneers
• Identification of poor performance trends and recommendations to management to exit relationship
• Pro-actively manage legal risks associated with the legal recovery portfolio, client interaction, internal customer interaction and other role players in the organisation
• Embed and maintain internal stakeholder relationships with Business Units
• including monthly interactions to discuss and resolve account specific issues and opportunities

Accountability: Financial performance of assigned portfolio

• To optimise recovery cash flows by implementing effective and timely action
• Ensure that security values are updated and correct as to ensure that losses are accurately accounted for in terms of policy and accounting practices
• Investigate and question 3rd party fees and commission invoices including
• Liquidation and Distribution (e.g. for Capital Gains Tax) accounts to ensure correctness and to minimize the level of legal and other expenses.
• Assertive engagements with clients and service providers in order to close transactions, settlements and compromises to the benefit of the Bank focusing on the releasing of impairment requirements and recovering as much as possible.

Education

• Bachelor`s Degrees and Advanced Diplomas: Business, Commerce and Management Studies (Required)

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Job Summary

• Provide specialist support in the development of the Customer Strategy for Fraud Solutions.
• Provide specialist support in the development and implementation of initiatives related to Customer Communications, Customer Experience, Customer Service, Customer insights, Voice of the Customer and TCF requirements that drive the Customer Strategy. 
• Work closely with Group Customer Experience teams to ensure customer experience initiatives in the area are aligned to group strategy and practices.
• Analyse and understand fraud incidents to elicit fraud modus and trends, and gather, interpret and use customer research and data to understand customer needs and expectations to guide business and enhance and improve customer experience, processes, and procedures.
• Conduct Customer Experience meetings, and workshops with Absa teams across the Group, including internal and external Customer Education.
• Assist in development and delivery of business process, control, system and functionality improvements, progress and advance the Fraud Customer Journey - either as a standalone project or as part of wider programme of change.
• To provide a service and manage the customer experience by driving resolution of customer complaints and customer unhappiness for Fraud Solutions.
• Transfer knowledge and training the teams, keeping the team updated with current fraud and CX knowledge and trends.

Job Description

Accountability: Solutioning & Advisory 

• Serve as subject matter expert for CX across all fraud channels and assist in delivering projects which lead to the creation of an industry leading customer experience.
• Drive the execution of the Fraud Solutions Customer Strategy in collaboration with Functional support and oversight.
• Leverage insight and data to ensure that products/services/solutions are truly designed around the customer/client.
• Critically evaluate fraud modus operandi, customer complaints and Voice of Customer surveys to assess control weaknesses for enhanced service offering and identify opportunities to mitigate negative customer experience.
• Develop and deliver relevant customer awareness and education based on understanding of fraud threats and trends.
• Define and conduct (or partner with others to conduct) appropriate research activities, evaluate findings and formulate insights to guide and advise business on actionable steps to enhance and improve CX
• Develops solutions and redesign processes as well as deliver ongoing customer experience improvements and innovations from various information points to provide Absa with sources of significant differentiation and competitive advantage.
• Review and approve the output of the design and technical teams to ensure that the planned user experience is achieved during implementation.
• Work collaboratively in a team and document functional requirements and prioritization from business stakeholders through workshops and relevant documentation while tracking implementation delivery and reporting on progress.
• Propagate a culture of treating customers fairly (TCF) and adhere to TCF principles.
• Transfer knowledge and training within the broader fraud solutions team around the latest CX and fraud topics and trends.

Accountability: Accountability: Customer Experience Enablement 

• Work with insight teams to develop a comprehensive understanding of the market, including customer needs, and competitor strategies, and identification of opportunities to leverage this information through great customer experiences through benchmarking, reviews and surveys.
• Defining, designing and delivering solutions that drives Fraud Solutions Book of Work.
• Understand and help mitigate potential risks which the strategic customer experience initiatives may pose to the organization and adopt ideas to minimize such exposure to risks.
• Identify business drivers, customer experience pain points and service challenges, recommend and implement remedial programs to close the gaps.
• Provide assistance on the ideal ‘fraud customer experience’ by helping to develop key capabilities that differentiate clients and meet consumer needs.
• Develop solutions that will enable Fraud Solutions team members to provide a sustainable, proficient and professional level of service to customers, additionally enhancing the employee experience.
• Develops solutions to solve repetitive customer failures derived from roots causes and insights that adversely affect customer experience.
• Implement specific service initiatives tailored to the targets agreed for customer service level improvements for the BU (NPS, Customer Satisfaction Index, Complaints, Quality, etc.).
• Develop and deliver the customer communication artefacts to be executed as part of the customer engagement process.
• Continuously review experience measurements to ensure best proactive adoption actions and addressing gaps.

Accountability: Stakeholder Relationship Management 

• Develop relationships with colleagues and stakeholders across Absa to ensure development and delivery of consistently great customer experiences and effective change that drive customer intimacy and operational effectiveness, leveraging best practice.
• Build comprehensive networks and sound relationships with businesses required across the Fraud value chain including Fraud industry counterparts. influence ways of working.
• Engage with Hub Heads and the Fraud Solutions teams to effectively develop and implement new solutions and deliver on the customer strategy.
• Pursue own development to increase personal effectiveness, acknowledging strengths and areas for development.
• Develop and maintain effective relationships with supplier and internal business partners to ensure better support towards Fraud Solutions - strategies, customers, and colleagues.
• Develop and maintain effective relationships with key industry bodies and play an active role in industry related initiatives.
• Build working relationships with the respective internal and external stakeholders and keep them abreast of the fraud trends, root causes, customer experience and service performance.
• Guide and motivate Fraud Solutions Colleagues during business change.

Accountability: Customer Unhappiness Resolution 

• Receive, prioritize and resolve and or support resolution and respond to Complaints obtained through various complaint lines.
• Identify areas where consistent problems occur and provide input into and offer solutions which can be used to minimize or remove the reoccurrence of the specific complaint type.
• Ensure proactive actions are taken to enhance positive customer experience.

Accountability: Risk and Control 

• Ensure that processes, control requirements and risk management frameworks relating to projects is designed and maintained in accordance with the Fraud Solutions governance. Keep abreast with compliance and regulatory requirements and liaise with all relevant stakeholders internally and externally in the organization to accurately execute and adhere to the rules and regulations.
• Keep abreast with compliance and regulatory requirements and liaise with all relevant stakeholders internally and externally in the organization to accurately execute and adhere to the rules and regulations.

Education

• Bachelor`s Degrees and Advanced Diplomas: Law, Military Science and Security (Required)

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Job Summary

• Lead the agile solution design, deployment & ongoing optimization & evolution of enterprise wide technology products and services (full stack engineering & ownership / control) in low complexity environments.

Job Description

Product & Service Direction Setting, Solution Design & Performance Management

• Work with the CIO & business product owners to define the product & technical strategy (Full Stack – End to End)
• Act as the single point of partnership & assume responsibility for managing the senior business interface (product owner) relationship
• Assume one stop shop accountability for the delivery of the product & solutions (risk cannot be outsourced to vendors)
• Apply design thinking practices to deliver architecturally sound technical product & service solutions (and explain / guide / coach others on this architecture holistically and technically)
• Lead & facilitate the design of the product & or service solution blueprints aligned to the organization strategy (Short, Medium & Long Term)
• Collaborate across the tech value chain (CSO, CTO, etc.) to guide the business on the appropriate technical solution (cost to value) & the range of strategic technical choices to be made
• Lead the detailed scoping, prioritisation & integration planning for the design & deployment of products & services with & across multiple stakeholder groups (Front End, Back End & Integration) – (aligned to solution blueprints)
• Meaningfully contribute & ensure solutions align to the design & direction of the Group Architecture standards, principles, preferences & practices. Short term deployment must align to strategic long term delivery.
• Meaningfully contribute & ensure solutions align to the design and direction of the Group Infrastructure standards and practices e.g. OLA’s, IAAS, PAAS, SAAS, Containerisation etc.
• Strategically & operationally monitor the performance of products and services (all applications) – ensuring ongoing optimization & cost to value for our businesses (think bank wide)

DevOps (with deep knowledge & understanding of context within which we develop architecturally & infrastructurally)

• Leverage the required expert level (own) skill & knowledge in architecture & Infrastructure, design and manage all development & development practices & outputs across squads (apply knowledge on virtualization, containerization, automation, storage & serverless technologies (e.g. AWS, Azure, Google, & on prem-Cloud, etc.)
• Ensure the most optimal design & deployment of technical products and services in the organization (via pipeline – not manually)
• Design & Implement Automation Testing, Continuous Integration & Continuous Delivery Strategies & frameworks across squads for effective solution development & deployment (understand and apply expert knowledge in e.g. Kubernetes, Jenkins, TeamCity, Arifactory, MS Powershell, Collaborative Lifecycle Management (CLM) Tools, APM Tools (e.g. NewRelic & Splunk) etc.
• Ensure solution designs deliver on the key technical principles of: self-service, repeatability, testability, scalability & resilience
• Guide code development practices and processes through an understanding of complex concepts and developmental practices such as threading, parallel processing, asynchronous programming, domain driven design, lambdas etc. & coding language expertise (e.g. Java, C++, Groovy, Python, Bash, Perl, Ruby etc.)
• Guide & ensure the delivery of quality development (code) based on own experience in developing across a range of applications including but not limited to: server side, client side, web (SOAP, REST, JSON), socket based programming, batch & real time, building architectural patterns, security / security domains)
• Effectively manage the DevOps pipeline & associated releases for maximum customer impact & minimum business risk
• Manage the maintenance & optimization of applications, products & services as a ‘way of doing things / culture’ within the development teams. You are fully accountable for the longevity of applications aligned to Group Architectural practices.
• Coach & Mentor senior developers across squads on the technical competencies to effectively deliver on DevOps solutions (see Dev competency model in skills & competencies section). To do this, display proficiency in the Senior level competency requirements.

Delivery Management (where there is a specific product / service you manage)

• With fluency in the deployment of agile methodologies, resource & manage the appropriate number and nature (skill & capability) of squad based teams to execute on both Run & Change elements of delivery
• Work in collaboration with transformation & change teams for effective resourcing and delivery management of various programmes at all levels (SI, BU etc.)
• Ensure agile practices are implemented and sustained for effective delivery to business e.g. RETRO’s etc.
• Positively & proactively manage product owner relationships including building product owner technical capability to enable balanced & best fit decision making
• Proactively engage with & partner CTO, CSO, SE, Risk and broader enablement functions to drive alignment & leading practice in technology design & deployment

People

• Set & Cascade Product & Service direction across squads
• Proactively attract, recruit, develop, retain, reward & deploy a diverse resource base aligned to an ever evolving tech environment (ahead of demand)
• Build a high performance team environment through self-directed teams by driving performance management & measurement that is aligned with agile working practices (including daily, weekly, etc. sprint routines, regular & honest feedback etc.)
• Accountable for the right people in the right teams to deliver on our tech strategy (always!)
• Leverage coaching techniques in all squad related activity to drive a higher quality design and deployment of technical products and services

Financial & Vendor Management, Risk & Governance

• Carry the ‘one stop shop’ accountability for all risk associated with technical decision making (from ideation to deployment)
• Manage & Apply the organization risk & governance frameworks
• Ensure decisions on infrastructure & product design are aligned to chapter & guild guidelines & are sustainable for the enterprise
• Proactively involve / engage chapter & guild leads in product design & infrastructure decision making, applying an enterprise wide lens to product & service development
• Manage all vendor selection processes & take full accountability for all related commercial impact
• Negotiate best fit contracts for the organization at an enterprise level and align decision making to our key business principles of scalability, resilience, captivity etc.
• Deliver on time & on budget (always)

Key Tools

• MuleSoft
• Jitterbit
• UiPath
• Abbot

Education

• Bachelor's Degree: Information Technology

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Job Summary

• To take full responsibility of selling physical cash solutions offering to potential customers and drive acquisition of new to bank and new to segment Business Banking and Enterprise customers with a primary focus on acquiring new business as well as switching physical cash management solutions from competitor banks.
•  To build and maintain professional relationships and drive sales via sales campaigns, leads and cold calling and achieve sales and turnover targets.
• Ensure the execution of the sales capability that delivers excellent customer service and relationship management for our cash customers and internal business partners.

Job Description

Accountability: Revenue and merchant growth through sales enablement

• Identify sales opportunities and offer solutions appropriate for customers’ physical cash needs, goal and objectives by using the tools which outlines the products customers currently have and the propensity for new product take-up.
• Adopt a commercial approach to appropriate cost to serve versus value generation.
• Achieve the agreed new business turnover, new business and other revenue targets as agreed.
• Ensure that physical cash deals are profitable to the bank.
• Complete new applications and ensure that process is finalized within the agreed service level turnaround times with a continuous follow up on progress of outcomes. This will also entail the communication of the decision outcome to the customer.
• Implement an individual sales plan that is linked to the regional sales plan and overall Physical Cash Solutions strategy and business plan.
• Participate in the design and execution of the regional sales plan to ensure that targets are delivered on.
• Action all sales leads received from potential customers as well as all internal business partners within the agreed service level agreements and turnaround times.
• Adhere to the laid down sales processes and procedures within the Physical Cash Solution frameworks.
• Negotiate pricing, complete and sign new applicable agreements prior to implementation.
• Execute on the regional sales plans by ensuring an increase in the percentage of customers taking physical cash solutions through the conversion of qualified leads into sales by selling offers, which benefit the customer as well as the organization.
• Achieve sales (new business and existing growth) that will establish Physical Cash Solutions as a center of excellence for Sales execution across the Commercial markets.
• Negotiate pricing and allocate rates within the allocated mandate and refer to the next mandate holder where outside of mandate with the appropriate business motivation.
• Align and implement sales initiatives with the Business Banking units with the aim of implementing a  sales methodology that will lead to cross segment revenue and customer growth.
• Monitor effectiveness of regional sales campaigns to ensure delivery thereof and implement remedial improvements for future campaigns where required.
• Execute on the regional retention plans in alignment with STP objectives and Customer Experience strategy.
• Work closely with internal and external business partners to ensure that our sales execution delivers on best in class products, services and support.

Accountability: Sales performance and execution

•  Agree relevant sales plans, campaigns and targets with team manager as well as other internal sales units that will achieve the business plan objectives and STP.
• Monitor individual sales performance on a daily/weekly/monthly/quarterly and annual basis and provide feedback to direct manager on how to improve performance.
• Create and execute opportunities and prospects for new business by working through potential customer lists and find new innovative ways of selling other than the normal channels.
• Review national competitor information, market trends on a regular basis and propose solutions to direct manager to ensure that Payment Solutions offers a competitive product or make a recommendation to introduce a better product or offer.
• Check that approved deals have been taken up to increase market penetration in new and existing business. Ascertain reasons for deals not taken up by liaising with the relevant internal business partner (Business Bank, Acquisitions, Enterprise, etc.).
• Understand the relevant product features and benefits to ensure that accurate information and solutions are shared with merchants and internal business partners.
• Analyze sales data (financials) and customer insights to enhance lead to sales generation and feedback responses to internal business partners to assist in adopting a sales methodology that is not silo focused.
• Investigate customer and internal business partner requirements and implement a desired Payment solution footprint that will ensure the achievement of revenue streams.
• Reporting on individual sales performance.

Accountability: Relationship Management

• Reposition the Physical Cash Solution regional stakeholder management in order to improve key relationships and change the acquisition methodology with internal business partners.
• Establish stakeholder needs and expectations in order to develop effective stakeholder engagement plans.
• Manage the relationship with top physical cash customers in the region and ensures that an effective and efficient relationship model is in place to retain cash customers within the allocated portfolio.
• Update the line manager as well as regional business partners on the sales performance and provide input where required.
• Internal and external customer meeting attendance where required.
• Engage with the RBB business partners with the aim of promoting the value proposition of Physical Cash Solutions.

Accountability: Customer Experience Execution

• Execute on the business unit's Customer Experience strategy and ensure that customer experience is a valuable differentiator within the value chain.
• Work closely with the direct manager to drive a focused customer experience agenda that will help the region achieve its' sales and after sales support objectives.
• Ensure smooth and effective migration and on-boarding of new merchant relationships.
• Use the feedback of the internal and external customer experience measurements to drive change and improvement that will benefit the sales strategy of the region.
• Adhere to Customer Experience and service quality standards in line with Group Customer Experience strategy.
• Implement improvement initiatives that will ensure high quality standards and customer experience.
• Constantly keep abreast of the latest developments and trends with regard to customer expectations and service.
• Ensure that all allocated complaints have been resolved within the allocated time frames as per the Treating Customers Fairly (TCF) principles.
• Accept primary responsibility for customer satisfaction through excellent service by ensuring that Physical Cash is the market leader in terms of turnaround times, pricing and value for money.

Accountability: Risk and Compliance Management

• Maximize sustainable risk by adjusted portfolio contribution.
• Work closely with the Risk and Control Assurance team and line manager to determine appropriate RCA's and adherence to RCA requirements.
• Review risk and controls that exist in the region and own the adherence to control assurance.
• Embed legislation affecting Sales and Sales procedures.
• Complete required compliance and other attestations and ensure that impacted team members  complete their attestations and compliance tests.
• Complete attestations to testify to the adequacy of controls in the region on request.

Education and Experience Required

• NQF level 7 qualification (Finance, Sales, Commerce) – preferred

Education

• Bachelors Degree and Professional Qualifications: Business, Commerce and
• Management Studies (Required
• (3) years' experience within a client facing role (commercial/or financial industry)
• (3) (3) years relationship management experience in a financial services industry –Preferred
• Must have a driver's license. Regular traveling between areas and (extensive travelling)

Knowledge & Skills Required

• Strong Commercial Management
• Sales performance and sales administration
• Customer Relations Management
• Negotiation
• Risk Management
• Retention
• Competencies required
• Deciding and initiating action
• Learning and researching
• Entrepreneurial and commercial thinking
• Relating and networking
• Adapting and responding to change
• Persuading and influencing
• Creating and innovating

Education

• Bachelors Degree and Professional Qualifications: Business, Commerce and Management Studies (Required)

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Job Summary

• Formulate tactical strategy and associated delivery plans related to single practice areas. Ensure proactive integration and operational tactical enhancement.

Job Description

• People Management: Coach, mentor and manage team members toward driving business objectives and ensuring colleague development | Compliance and Risk Management: Fulfil all activities in adherence to relevant control and compliance requirements, and quality standards | Business Management: Manage the levels of performance and service standards that need to be achieved by translating the Business Unit’s strategy into achievable objectives and contracting these through the Performance Development process for the team. | Collaboration : Constantly seek to improve ways of working by challenging the status quo and supporting an empowering climate within the team, sharing knowledge, experience, best practice and providing constructive feedback as required. | Customer Experience: To provide service excellence and achieve customer satisfaction | : | : | :

Education

• National Diplomas and Advanced Certificates: Business, Commerce and Management Studies

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Job Summary

• Absa has an opportunity for a Senior Project Manager. 
• Are you an experienced leader with a passion for delivering impactful, complex projects from inception to completion? We're looking for a dynamic Senior Project Manager to join our team—someone who thrives on managing projects end-to-end, getting involved in the details, and mentoring others to success.

Job Description

Overall Purpose:

• As a Senior Project Manager, you’ll be responsible for leading moderate to highly complex projects, ensuring alignment with the organization’s strategic goals. Your role will encompass leadership, communication, and technical expertise to manage cross-functional teams, mitigate risks, and deliver projects on time and within budget.

Key Responsibilities:

Project Planning and Execution

• Define, document, and oversee projects from start to finish.
• Develop comprehensive project plans outlining scope, objectives, timelines, and resource allocation.
• Coordinate with stakeholders to ensure alignment with business goals.
• Manage changes, ensuring deliverables meet cost, timeline, and quality standards.

Team Leadership

• Lead cross-functional teams, fostering collaboration and engagement.
• Provide effective leadership and mentor junior project managers.
• Ensure high team performance and take corrective action when needed.

Stakeholder Management

• Act as the primary point of contact for stakeholders, sharing updates on progress, risks, and issues.
• Build and maintain strong relationships with clients, vendors, and internal teams.
• Facilitate decision-making and support implementation of business changes.

Risk and Budget Management

• Identify, assess, and mitigate risks throughout the project lifecycle.
• Manage project budgets, track expenditures, and ensure financial accountability.
• Conduct financial analyses to inform decisions and ensure business viability.

Quality Assurance & Reporting

• Ensure project deliverables meet quality standards.
• Prepare and present status reports to senior management and stakeholders.
• Maintain comprehensive documentation for compliance and knowledge transfer.

Preferred Qualifications:

• Education: Bachelor’s or Master’s degree in Project Management, Computer Science, Business Administration, Engineering, or related fields (NQF 7 or higher).
• Professional Certification: Agile, Prince2, PMP (PMBOK), or equivalent.
• Experience: 5–8 years in complex project management, with exposure to governance, risk, and control.

Education

• Bachelor`s Degrees and Advanced Diplomas: Business, Commerce and Management Studies (Required)

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Job Summary

• Utilise technology and applied learning in a virtual Omni-channel environment, providing superior and seamless customer experience in an efficient and cost-effective manner, by performing banking duties and overseeing the financial activities for Private Wealth clients.

Job Description

Accountability: To build customer relationships in the preferred market segments:

• To own the primary relationship with our clients by being the client’s main contact point and to work collaboratively with specialists (ie actioning leads from the Existing Client Management team) to ensure that our clients experience the full spectrum of our value proposition.
• To ensure that you achieve the required contact strategy relevant to your portfolio based on client segmentation of your bespoke portfolio.
• To respond and execute on immediate client requests, ensuring you fully understand your clients’ needs.
• To secure new business through interaction with current and prospective clients and leads generation and ensure new clients are fully on boarded.
• Ensure retention of clients by applying appropriate remedial actions where appropriate.
• Consistently achieve customer satisfaction scores as per agreed threshold by ensuring that customers are appropriately serviced in line with our value proposition.
• To work seamlessly with the sales support team in ensuring that they are enabled to support you in your portfolio.

Accountability: Deepen relationships with our customers through meeting their individual needs and achieving the required income from each portfolio.

• Prepare weekly for performance discussions with People Manager to review client contact plans, opportunities, successes and support required.
• To review and negotiate pricing structures with clients, in line with the Absa Pricing policy to ensure that the product profitability is managed optimally.
• To effectively cross and up sell the appropriate products within the respective campaign management parameters to clients, ensuring that all requirements in terms of FAIS (Financial Advisory and Intermediary Services Act), FICA (Financial intelligence Centre Act) and NCA (National Credit Act) are met.
• Drive Income growth of the Portfolio through the effective actioning of leads, timeous completion of client reviews and service requests.

Accountability: Protecting our assets through appropriate levels of risk and credit Assessment

• Ensure transparency and open dialogue between credit and the client by communicating the client’s requirements, by means of properly motivated and well-articulated motivations with the required supporting documents and giving feedback on the banks’ position regarding these requirements.
• Coordinate and drive outstanding client reviews and ensure timeous finalisation.
• Ensure that arrangements with clients are within the credit guidelines and that credit is informed of any special arrangements via utilisation of the prescribed systems.
• Takes ownership of clients risk management through consistent application of the bank’s regulatory and compliance framework.

Accountability: Colleague and Personal Development

• To act as backup for other Virtual Private Wealth Bankers in the team in case of absence or during peak times according to the agreed schedule as provided by management.
• Keep abreast of developments in the industry/sector to ensure adequate client service and to support potential risks and or opportunities.
• Ensure that Continuous Professional Development (CPD) hours are maintained at all times.
• Complete the relevant Compliance, Risk and System, Product and role fundamental learning as per the Private Wealth Minimum learning requirements.
• Subscribe to relevant segment specific initiatives and apply this knowledge to act on opportunities to maximize revenue and profitability.
• Demonstrate the willingness and ability to perform to the very best levels to ensure personal alignment to Absa’s Values and Vision.

Education

• Bachelor's Degree: Business, Commerce and Management Studies

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Job Summary

• Optimise the profit and economic value of portfolios of Growth Business key account clients requiring medium to high complexity commercial banking requirements by focusing: a) origination efforts to quire new clients; b) cross-sell to existing client base; c) coverage efforts to service clients in accordance to the segment CVP

Job Description

• Drive Financial Targets: Maintain primary ownership of a portfolio of Growth Account clients, differentiated by the level of complexity of the client base | Relationship and Service Management: Actively develop strong client relationships. Conduct regular client visits in accordance with the Commercial Growth Account Value Proposition and initiate changes to ABB Product by providing input into product development to better service our clients | Manage Risk Assessment: Adhere to the bank's policies and procedures and ensure compliance. Take ultimate ownership of the portfolio's risk management by ensuring a good understanding of both the Bank's and the clients regulatory and compliance environments. | Collaboration : Constantly seek to improve ways of working by challenging the status quo and supporting an empowering climate within the team, sharing knowledge, experience, best practice and providing constructive feedback as required. | : | : | : | :

Education

• Bachelors Degree and Professional Qualifications: Business, Commerce and Management Studies (Required)

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Job Summary

• Credit Syndicate sits within Absa’s Corporate and Investment Banking (CIB) division and reports into the Head of Credit Syndicate. A Lead Specialist within Credit Syndicate is responsible for Pan African structuring, executing and distributing syndicated loans and Debt Capital Markets (DCM) transactions working closely with the origination teams, investors and borrowers/ issuers.  The team also provides a strategic link between our Global Markets and Investment Banking franchising, bridging the private to public sides of the Investment Bank whilst ensuring compliance standards are maintained.

Job Description

• The successful incumbent for the Specialist Lead Syndicate will have a bachelor’s degree in finance, economics or business-related field with a minimum of 5-7 years’ experience in debt syndications, leveraged finance, Debt Capital Markets or structured finance with a proven ability in structuring, pricing and distributing debt instruments in primary and secondary markets.

Key competencies and skills for success in the role

• Strong relationship management and investor/borrower engagement skills
• Demonstrable understanding of relevant legal or regulatory frameworks, financial modelling, credit analysis and transaction execution skills
• Proven ability in structuring, pricing and distributing debt instruments in primary and secondary markets
• Ability to be self-driven, work in a fast-paced environment and manage multiple transactions simultaneously retaining an attention to detail.
• Understanding of factors that may drive underwriting, liquidity and pricing of loans, bonds, notes or other similar financial instruments

Education

• Bachelor`s Degrees and Advanced Diplomas: Business, Commerce and Management Studies (Required)

go to method of application »

Job Summary

• Formulate tactical strategy and associated delivery plans related to single practice areas. Ensure proactive integration and operational tactical enhancement.

Job Description

• People Management: Coach, mentor and manage team members toward driving business objectives and ensuring colleague development
• Compliance and Risk Management: Fulfil all activities in adherence to relevant control and compliance requirements, and quality standards
• Business Management: Manage the levels of performance and service standards that need to be achieved by translating the Business Unit’s strategy into achievable objectives and contracting these through the Performance Development process for the team.
• Collaboration: Constantly seek to improve ways of working by challenging the status quo and supporting an empowering climate within the team, sharing knowledge, experience, best practice and providing constructive feedback as required.
• Customer Experience: To provide service excellence and achieve customer satisfaction.

Education

• National Diplomas and Advanced Certificates: Business, Commerce and Management Studies

go to method of application »

Job Summary

• Bachelor’s degree in Information Technology, Computer Science, Software Development, Engineering, or a related field.
• Minimum 7 years of post-graduate experience in a data engineering or MLOps role.
• Minimum 4 years’ experience working with AWS cloud services or Databricks.
• Minimum AWS Solutions Architect Associate certification.
• AWS Machine Learning speciality certification is preferred.
• Proficiency in machine learning, data engineering, and cloud-based architectures.
• Excellent problem-solving skills and ability to work in a fast-paced environment.
• Strong communication and leadership skills.

Job Description

Role Overview:

• As a Senior MLOps Engineer, you will play a crucial role in the deployment and maintenance of machine learning and AI solutions developed by our data science team. This role requires a unique blend of deep technical knowledge and practical experience in data engineering, machine learning operations (MLOps), and AWS cloud services, along with strong interpersonal, problem-solving and leadership skills.

Key Responsibilities:

• Design, implement and maintain MLOPs solutions on cloud (AWS\Databricks)
• Implement and manage MLOps pipelines to streamline the deployment of machine learning models in cloud (AWS\Databricks).
• Develop and maintain reusable feature stores, robust data architectures, and efficient data engineering practices.
• Data science model review, code refactoring and optimization, containerization, deployment, versioning, and monitoring of its quality
• Work closely with risk and governance teams to ensure compliance and security in cloud environments (AWS/Databricks).
• Establish and enforce best practices and standards for MLOps within the cluster.
• Provide technical leadership and coaching to junior team members.
• Coordinate cross-functionally with various technical teams to facilitate the integration of AI solutions into business processes.
• Continuously monitor and optimize the performance of deployed machine learning solutions
• Meaningfully contribute to & ensure solutions align to the design & direction of the group architecture, cloud governance, data standards, principles, preferences & practices. Short term deployment must align to strategic long-term delivery.

Technical skills:

• Strong understanding of MLOps practices and principles, including CI/CD pipelines, version control, and model deployment.
• Ability to design and implement MLOps pipelines in cloud (AWS\Databricks)
• Expertise in machine learning algorithms (frameworks such as scikit-learn, Keras, PyTorch, Tensorflow),
• Proficiency in programming languages such as Python, PySpark, Spark
• Familiarity with big data technologies and frameworks (e.g., Hadoop, Spark).
• Hands-on experience with AWS services for data processing such as AWS Glue, AWS Lambda, Amazon S3 and Amazon SageMaker.
• Proficiency in AWS management and deployment tools, including AWS CloudFormation, AWS CLI, AWS CodePipeline, AWS CodeBuild, AWS CodeDeploy, Amazon ECS, Amazon EKS, AWS Step Functions and Github
• Experience in designing and implementing scalable data architectures.
• Familiarity with building and maintaining feature stores.
• Knowledge of database management, SQL, ETL processes and data warehousing principles.
• Ability to translate complex technical concepts into understandable terms for non-technical stakeholders.
• Understanding of data security, privacy, and compliance standards relevant to the banking industry.
• Experience coordinating with risk and governance teams to ensure secure and compliant solutions.
• Strong communication skills for effectively collaborating with cross-functional teams and mentoring junior staff.

Minimum Requirements:

• Bachelor’s degree in Information Technology, Computer Science, Software Development, Engineering, or a related field.
• Minimum 7 years of post-graduate experience in a data engineering or MLOps role.
• Minimum 4 years’ experience working with AWS/Databricks cloud services.
• Minimum AWS Solutions Architect Associate certification.
• AWS Machine Learning specialty certification is preferred.
• Proficiency in machine learning, data engineering, and cloud-based architectures.
• Excellent problem-solving skills and ability to work in a fast-paced environment.
• Strong communication and leadership skills.

Additional Job Description

• Ensure that all activities and duties are carried out in full compliance with regulatory requirements, Enterprise Wide Risk Management Framework and Absa Policies and Policy Standards.
• Understand and manage risks and risk events (incidents) relevant to the role.

Education

• Bachelor's Degree: Information Technology

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Job Summary

• Are you passionate about finance and eager to make a significant impact in the world of Exchange Control? Do you thrive in a dynamic environment where your expertise can shine? If so, we have the perfect opportunity for you!
• Overall Job Purpose: As a Consultant: Exchange Control, you will be at the heart of our operations, ensuring seamless administration of Exchange Control in collaboration with the South African Reserve Bank (SARB). Your role will be pivotal in supporting various stakeholder units within ABSA and providing top-notch Exchange Control services through consultation and representation to SARB via Head Office Exchange Control.

Job Description
Key Accountabilities:

Administer Exchange Control:

• Compliance Champion: Vet transactions for compliance with Exchange Control Regulations and specific SA Reserve Bank approvals.
• Detail-Oriented: Allocate correct FINSURV reporting categories and sections of the Currency and Exchanges Manual for transactions.
• Client Liaison: Engage with clients on Exchange Control matters and escalate transactions requiring SA Reserve Bank authorization.
• Account Management: Approve the opening of Customer Foreign Currency Accounts and ensure timely submission of Exchange Control Applications to HOEC.

Deliver First-Class Exchange Control Advisory Service:

• Customer Service Guru: Provide exceptional customer service and support to clients and internal stakeholders.
• Problem Solver: Apply your specialist knowledge to solve problems and continuously improve processes and product offerings.
• Relationship Builder: Build and maintain strong relationships with clients and internal stakeholders.

Risk and Compliance:

• Risk Aware: Stay alert to potential risks from customer transactions and ensure full compliance with ABSA’s risk and compliance policies.
• Regulatory Expert: Keep informed of suspicious transactions and complete all required training.

Networking:

• Connector: Establish and maintain professional relationships with clients and internal stakeholders to ensure optimum service standards.

Self-Development:

• Lifelong Learner: Continuously update your knowledge of the Wholesale and Corporate Banking environment, processes, and products.
• Skill Enhancer: Pursue opportunities for further education and training to enhance your skills and knowledge.

Education and Experience Required:

• NQF Level 5: Grade 12
• Minimum 3 years of General Banking experience
• Minimum 1 year of Exchange Control / Forex experience

Education

• Higher Diplomas: Business, Commerce and Management Studies (Required)