Absa Group Limited (Absa) has forged a new way of getting things done, driven by bravery and passion, with the readiness to realise the possibilities on our continent and beyond.
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Job Summary
- The individual will manage responsibilities within investment banking for a discrete portfolio of clients in asset finance transactions from implementation to termination and ensure that the financial requirements are executed in line with the legal agreements.
- Ensuring all payments, invoicing and income on a facility level are accurately executed and managed within the approved processes and controls.
- In executing the role, the individual will interlock with various internal and external clients and stakeholders, ensuring a high level of service whilst managing portfolio risk through the correct and timely execution of business and client instructions.
- The individual must also align the team to the business strategy and ensure the team contributes towards change project requirement setting, testing and implementation where required.
Job Description
Middle Office Service Provider Responsibilities
- Contribute during implementation meetings to enable accurate and timely finance model build and drafting of the Legal Review Template. Ensure the client is loaded on all relevant systems to enable timely payment to clients on the expected due date.
- Booking trades with the Trading desk and validating that trades match the finance model built after the trading desk confirms the booking.
- Working with the Debt Transaction Management (Debt TM) team to ensure any updates or changes to the legal agreements are reflected in updating the finance model and the related trades booked with the trading desk.
- Monitor any required changes in the finance model (e.g., retched changes) and ensure the financial model and related trades booked with the trading desk are updated.
- Monthly recon between financial models and trading desk bookings to ensure accurate P&L.
- Monitoring all fees required per the legal agreements and Invoice fees while ensuring accuracy in calculating fees.
- Ensuring all ongoing deal management tasks are performed per the legal agreements from a financial perspective.
- Execute client subsequent drawdown instructions.
- Assist in identifying the reasons for cash breaks and providing feedback to Operations within the agreed turnaround times to enable them to clear the breaks within the required period.
- Responding to queries from internal and external stakeholders.
- Build and maintain professional working relationships with all stakeholders and clients, demonstrating excellent abilities to initiate dialogue, listen, advise, influence, and negotiate to achieve win-win outcomes.
- Adhere to Service Level Agreements (SLAs) with stakeholders concerning the processing of transactions for the respective departments/ divisions/ units. (Pan Africa where necessary)
- Ensure a healthy balance between risk management and client service.
- Adhere to processes and controls (automated/ manual checks and monitoring) to ensure the team adheres to applicable controls, processes, policies, and regulations.
- Where possible, provide input and recommendations on improving the transactions' effectiveness, efficiency, processes and controls.
- Compile relevant MIS as required by management within the deadline.
- Contribute to system and quality enhancements by monitoring the respective activities and processes implemented and by keeping abreast with new methodologies and practices
- Work closely with Products, IT, Operations, Trading Desk, TM, PCG, Operations and other key partners to secure their support and enable MO execution in line with best practices.
- Manage workload within the team ensuring the workload is adequately distributed across the team.
- Execute margin ratchets as notified by TM.
- Diarising alerts to be created for deals where credit rating-related pricing ratchets apply.
- Upon review of the compliance certificate or rating alert, advise Trader of margin increase to the extent applicable.
- Proactive engagement with the Trader to ensure clear communication and understanding so that client loan requests are executed effectively.
Risk Management Support
- Report on the Key Performance Indicators (KPIs) and Key Risk Indicators (KPIs) for quality and performance measurement purposes as required.
- Continuous review and monthly performance reporting against key drivers (KPI, KRI and SLAs), enabling changes in the department where necessary to optimize results
- Continuous review of monthly reports and recons, ensuring all trades and fees are booked and processed correctly and in line with set standards and controls.
- Ensure processes, control requirements, and risk management frameworks designed for the area are understood and being executed.
- Assist management in closing out all issues identified in processes or controls and any audit findings that impact the area. Agree on the required actions and implement the required changes within agreed-upon timeframes.
- Ensure remediation actions are embedded within the required timelines.
- Ensure green audits by following agreed processes and controls.
- Escalate and assist in investigating all risk and loss events (Operational Risk Events) and ensure all issues raised are resolved or escalated are closed out by the relevant parties.
- Ensure the complaints process is followed and closed as per policies and procedures.
Culture
- Ensure adherence to a high-performing organisation profile
- Live the Absa values
- Continuously up-skill self and colleagues on area expertise of Debt products, including related processes, procedures, legal, credit, compliance external market knowledge, etc.
- Always ensure all processes, controls and checks are done in the team, ensuring good teamwork, irrespective of staff being on leave.
- Upskill self and the rest of the team (where possible) to ensure they can resolve internal and external client-related issues directly with the relevant stakeholders. Only escalate to the Product/Front Office when required (in line with the escalation matrix). The Senior team has to be able to identify and resolve 80% of the challenges identified.
Innovation and Financial
- Evaluate and ensure the correct processes and controls are followed to minimize and, where possible, eliminate operational losses, fraud, and reputational risk within the business. If any gaps are identified before any changes are made, escalate to the Head of Debt MO.
- Ensure execution of allocated BAU, SI and Project delivery within the team and bigger business are done to deliver the strategy and Target Operating Model.
- Ensure there is no revenue leakage across the Debt Middle Office, executing the correct processes and checks across the value chain to minimize revenue leakage/risk (e.g., Incorrect cost centre posting, missed review fees, incorrect entries, etc.).
- Ensure no financial losses due to operational errors.
- Contribute where possible to process re-engineering and continuous improvement of processes, controls and workflow to support the Debt operating model.
- Align to Middle Office strategy to support investment banking and group strategy overall.
- Identify/assist in solutions, supporting automation, and improving processes in the Middle Office space working with the other IB MO teams.
- Support key initiatives and projects, taking appropriate action and assisting in contributing to ensure timely and effective project implementation where dependent on MO.
Key Accountabilities
Middle Office Service Provider Responsibilities
- Contribute during implementation meetings to enable accurate and timely finance model build and drafting of the Legal Review Template. Ensure the client is loaded on all relevant systems to enable timely payment to clients on the expected due date.
- Booking trades with the Trading desk and validating that trades match the finance model built after the trading desk confirms the booking.
- Working with the Debt Transaction Management (Debt TM) team to ensure any updates or changes to the legal agreements are reflected in updating the finance model and the related trades booked with the trading desk.
- Monitor any required changes in the finance model (e.g., retched changes) and ensure the financial model and related trades booked with the trading desk are updated.
- Monthly recon between financial models and trading desk bookings to ensure accurate P&L.
- Monitoring all fees required per the legal agreements and Invoice fees while ensuring accuracy in calculating fees.
- Ensuring all ongoing deal management tasks are performed per the legal agreements from a financial perspective.
- Execute client subsequent drawdown instructions.
- Assist in identifying the reasons for cash breaks and providing feedback to Operations within the agreed turnaround times to enable them to clear the breaks within the required period.
- Responding to queries from internal and external stakeholders.
- Build and maintain professional working relationships with all stakeholders and clients, demonstrating excellent abilities to initiate dialogue, listen, advise, influence, and negotiate to achieve win-win outcomes.
- Adhere to Service Level Agreements (SLAs) with stakeholders concerning the processing of transactions for the respective departments/ divisions/ units. (Pan Africa where necessary)
- Ensure a healthy balance between risk management and client service.
- Adhere to processes and controls (automated/ manual checks and monitoring) to ensure the team adheres to applicable controls, processes, policies, and regulations.
- Where possible, provide input and recommendations on improving the transactions' effectiveness, efficiency, processes and controls.
- Compile relevant MIS as required by management within the deadline.
- Contribute to system and quality enhancements by monitoring the respective activities and processes implemented and by keeping abreast with new methodologies and practices
- Work closely with Products, IT, Operations, Trading Desk, TM, PCG, Operations and other key partners to secure their support and enable MO execution in line with best practices.
- Manage workload within the team ensuring the workload is adequately distributed across the team.
- Execute margin ratchets as notified by TM.
- Diarising alerts to be created for deals where credit rating-related pricing ratchets apply.
- Upon review of the compliance certificate or rating alert, advise Trader of margin increase to the extent applicable.
- Proactive engagement with the Trader to ensure clear communication and understanding so that client loan requests are executed effectively.
Risk Management Support
- Report on the Key Performance Indicators (KPIs) and Key Risk Indicators (KPIs) for quality and performance measurement purposes as required.
- Continuous review and monthly performance reporting against key drivers (KPI, KRI and SLAs), enabling changes in the department where necessary to optimize results
- Continuous review of monthly reports and recons, ensuring all trades and fees are booked and processed correctly and in line with set standards and controls.
- Ensure processes, control requirements, and risk management frameworks designed for the area are understood and being executed.
- Assist management in closing out all issues identified in processes or controls and any audit findings that impact the area. Agree on the required actions and implement the required changes within agreed-upon timeframes.
- Ensure remediation actions are embedded within the required timelines.
- Ensure green audits by following agreed processes and controls.
- Escalate and assist in investigating all risk and loss events (Operational Risk Events) and ensure all issues raised are resolved or escalated are closed out by the relevant parties.
- Ensure the complaints process is followed and closed as per policies and procedures.
Culture
- Ensure adherence to a high-performing organisation profile
- Live the Absa values
- Continuously up-skill self and colleagues on area expertise of Debt products, including related processes, procedures, legal, credit, compliance external market knowledge, etc.
- Always ensure all processes, controls and checks are done in the team, ensuring good teamwork, irrespective of staff being on leave.
- Upskill self and the rest of the team (where possible) to ensure they can resolve internal and external client-related issues directly with the relevant stakeholders. Only escalate to the Product/Front Office when required (in line with the escalation matrix). The Senior team has to be able to identify and resolve 80% of the challenges identified.
Innovation and Financial
- Evaluate and ensure the correct processes and controls are followed to minimize and, where possible, eliminate operational losses, fraud, and reputational risk within the business. If any gaps are identified before any changes are made, escalate to the Head of Debt MO.
- Ensure execution of allocated BAU, SI and Project delivery within the team and bigger business are done to deliver the strategy and Target Operating Model.
- Ensure there is no revenue leakage across the Debt Middle Office, executing the correct processes and checks across the value chain to minimize revenue leakage/risk (e.g., Incorrect cost centre posting, missed review fees, incorrect entries, etc.).
- Ensure no financial losses due to operational errors.
- Contribute where possible to process re-engineering and continuous improvement of processes, controls and workflow to support the Debt operating model.
- Align to Middle Office strategy to support investment banking and group strategy overall.
- Identify/assist in solutions, supporting automation, and improving processes in the Middle Office space working with the other IB MO teams.
- Support key initiatives and projects, taking appropriate action and assisting in contributing to ensure timely and effective project implementation where dependent on MO.
Management
- Ensure staff executes responsibilities in line with department processes and control requirements.
- Manage team workload.
- Manage staff from a performance perspective.
- Drive internal and across-stakeholder teamwork.
- Assist in resolving complicated deals and queries and upskill staff where required.
- Present team in various meetings and reporting forums.
- Drive upskilling and cross-skilling of staff. Managing talent in line with the bank's values and standards.
- Perform spot checks as agreed with management and report as and when required on spot checks performed. Ensuring a high standard of work execution.
- Escalate any team concerns or challenges to management as appropriate.
Role / Person Specification
Education and Experience Required
- Knowledge and experience in IB Debt Products or similar operation business environment
- In-depth knowledge and experience in the practicalities of financial models, recons etc.
- Experience in internal stakeholder management.
- Experience in reading, understanding and executing Legal Agreement requirements concerning financing calculations
- Understanding of bank and regulation control requirements
Education
- Bachelors Degree and Professional Qualifications: Business, Commerce and Management Studies (Required)
End Date: August 15, 2025
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Job Summary
- Provide specialist advice and support in the development of tactical strategy and plans. AND/OR provide specialist advise and support in terms of practice formulation and associated best practice improvements
Job Description
- New Business Organisation: Devise short term tactical plans to meet annual budget and targets up to a 6 to 12 month timeframe Identify, develop and source new High Net Worth and Ultra High Net Worth relationships through personal and client referrals, Absa Group Limited Group internal networks and fostering greater collaboration within group and WIMI business unit; Achieve personal targets for new and existing clients for Transactional Banking, Credit, FX. Make a contribution to referring relevant business to other parts of Wealth Advisory and/or the broader Absa Group Limited Group.
- Client service - Manage and Grow Existing Client Relationships: Quarterly meetings with each client in your designated portfolio; Undertake annual credit reviews to assess the health of your Clients financial position, with co-operation from the various teams in the region Maintain the highest levels of service and delivery to existing clients at all times, ensuring that all teams of specialist support within the region work together to deliver client experience as well; Act as the key contact point/ gatekeeper and coordinator for all client advice Transactional Banking, Credit, FX. Assist in the liaison with various internal stakeholders to assist in achieving business objectives in Structured Lending, Advisory, FX, SSG and Investment Banking fees Act as the key contact point for all client transaction queries across multiple locations within a Region.
- Client Relationship Management: Maintains highest levels of service and delivery to existing clients at all times Key contact for all banking and credit (vanilla credit) advice and client queries Key interface between clients and other parts of Absa Group Limited/WIMI and the wider Absa Group Limited Group
- Involvement in credit related tasks: Client interaction including: gathering of information related to Transactional Banking, Credit, FX ensuring efficient Client interactions; Accountable for providing information related to the security status reports and performance of financial analysis; Ultimately responsible for ensuring that credit review processes is conducted on time; Liaise with the product houses to ensure credit tasks related to clients in terms of credit reviews, overdrafts and home loans are completed;
- Governance and Control: Ensure conformity with global and market standards of client services, regulatory compliance, KYC, product delivery and operating model. Ensuring that all actions are in line with procedures according to the Front Office manual.
- Query Resolution: Undertake query resolution related to client portfolio Act as the escalation point for serious issues related to client complaints
- Operational Support: Provides accurate/timely preparation of file notes, client letters and other client documentation (e.g. marketing material) for all client meetings and follow up as required; Act as focal point for clients dealing with day-to-day administration across the range of services and products.
Education
- Postgraduate Degrees and Professional Qualifications: Business, Commerce and Management Studies
End Date: September 30, 2025
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Job Summary
- To support the credit risk process through carrying out comprehensive and quality credit risk functions within the credit lifecycle to create shared growth within the boundaries of internal policies and external regulations for Growth Business clients
Job Description
- Risk Management: To conduct quality credit risk assessments and reviews, Proactively manage credit risks associated with clients, Develop data driven strategies, facilitate the credit sanctioning process to ensure responsible risk decisions
- Data and Systems Management: To produce and analyse relevant management information and insights management | Governance: Ensure the bank's credit, philosophy and all relevant legislation is adhered to
- Customer Management: Investigate and resolve all escalated customer complaints
Education
- Bachelor`s Degrees and Advanced Diplomas: Business, Commerce and Management Studies (Required)
End Date: August 18, 2025
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Job Summary
- Design & deliver fit for purpose, business strategy-aligned, high impact, cross domain technology solution blueprints & associated solutions.
Job Description
Architecture
- Leverage a solid & deep understanding of the organization strategy to identify, design & deliver relevant, scalable, testable, re-usable technology solutions
- Work with the broader architecture tam to analyse customer requirements & current state business capabilities to support the specification / framing ‘of the business problems we are aiming to solve’ with each solution design or solution evolution
- Leverage expertise in analytical & creative problem solving to synthesise a solution design (build a solution from its components) beyond the analysis of the problem
- Participate in design thinking processes to successfully deliver solution blueprints & associated roadmaps
- Create components of complex end to end solution blueprints / lower complexity solution blueprints & ensure these can be implemented across all phases of the initiative life-cycle (ideation through to product launch & commercialization)
- Contribute to the design & implementation of detailed feasibilities & business cases
- Leverage a strong engineering background to make the right choices or contribute to the choices to be made in solution design – this knowledge includes but is not limited to: domain driven design, loosely coupled integration, microservices and other modern software design practices
- Work with project / program management teams to design solution roadmaps through which the solution can be implemented across all phases of the initiative life-cycle (ideation through to product launch and commercialization)
- Work embedded, as part of a delivery team, to ensure the successful design & implementation of solution blueprints or components thereof
- Ensure that the detail of the solution (across all architecture domains) is accurate to the implementation of the initiative, true to the bank’s architectural principles/preferences, implementable by the different teams involved in the solution
- Work as part of embedded delivery teams to conduct solution reviews, code reviews, testing and other disciplines associated with solution design & delivery
- Ensure a solid understanding of emerging & evolving architectural principles
- Contribute to the architecture body of knowledge
- Contribute to the design & evolution of architectural principles and preferences
People
- Participate in peer & dev team reviews (code, solution, testing etc.) and transfer knowledge and capability across delivery teams for improved solutioning & evolving architectural practices
- Build & evolve the architectural capability of Delivery teams across the business – through active coaching & information / knowledge sharing
- Work as a high performance contributor as part of agile delivery teams across the organization & continuously improve skills & knowledge in agile / other practices for successful delivery
Financial, Risk & Governance
- Proactively identify solution design & delivery risk & associated mitigating strategies throughout the development / initiative lifecycle
- Apply the organization risk & governance frameworks
- Ensure solution designs align to the organisations regulatory, compliance & governance frameworks
- Proactively involve / engage chapter & guild leads in solution decision making, applying an enterprise wide lens to product & service development
- Deliver on time & on budget (always)
Education
- Bachelor's Degree: Information Technology
End Date: August 14, 2025
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Job Summary
- To manage the card scheme operating model on behalf of Absa – all contractual, commercial, change, compliance and new capability requirements for existing and new payment schemes.
- Influence, guide and direct the card payment schemes and key industry forums on strategic and operational decisions (material opportunities, issues & risks).
- To manage and expropriate the maintenance of proper governance and control standards (including intra & interbank) across the Absa payment value chain (auth, clearing & settlement) in order to deliver material value to Absa BU clusters and our end customers.
- As a centre of excellence, establish an overall health position of Absa Payment partnerships albeit PSO, TPPP’s, ISO’s, Financial Services companies and bank sponsorships with strong alignment to Absa BU Product clusters.
- Develop and maintain the overarching payment partnership framework and guiding principles to ultimately shape / inform go / no go payment partnerships decisions in close collaboration with BU product areas.
- Develop, manage and maintain the overall payment partnership plan across multiple payment rails that seeks to extract value from strategic partnerships.
- Job Description
Accountability: Relationship Management and Industry representation
- Maintain strong relationships with all senior levels within PSO’s (Visa, MasterCard) is imperative, as these relationships will frequently be stress tested in various ways (Commercial, Contractual, Operational, Compliance, Projects / BoW etc.).
- Manage & negotiate with PSO’s when appropriate to avoid non-compliance penalties and address any non- compliance issues to ensure actions taken to remedy non-compliance.
- Maintain the relationship and Absa presence on key industry forums in order to influence and provide guidance on key strategic issues.
- Maintaining the health of Absa / PSO relationship and inform /Influence policy formulation on key strategic issues.
- Regular performance engagements, reporting and assessments.
- Responsible for the delivery of comprehensive briefings to Senior Executives
- Contribute and participate in industry forums created for the purpose of maintaining the integrity of payment transactions across the national payment system.
- Active monitoring and guidance of the TPPP’s, ISO & Payment Sponsorships
Accountability: Reporting, Analytics and Insights
- Maintain and enhance the exception reporting process created for the maintenance and tracking of payment and settlement transaction performance and integrity.
- Ensure that team identify all compliance programs that are mandatory and drive and monitor levels of compliancy.
- Conduct detailed analysis of total business information including transactional, pricing and operating system performance.
- Translate and channel exception reporting findings to the appropriate value chain function and track the remediation of issues.
- Maintain the business rule repository, testing environment and MI production pertaining to the area.
- Recommend changes to the way of work in accordance with best practice in the Card industry.
- Contribute to the overall Risk management strategy across the Card payment value chain.
- Ensure that production systems are optimised through strategic and tactical influence from the payment and settlement analytical environment.
Accountability: Financial Management
- Ensure that all gaps are identified and closed when it comes to Revenue and other leakages.
- Manage direct and indirect costs of scheme membership by reducing fees and seeking process enhancements with strong alignment to Product Control environment.
- Maintain the balancing process between Business, IT and Finance in order to optimise the revenue generated from payment and settlement of transactions.
- Contribute to the optimisation of the Absa Card Payment strategy, business planning processes and BoW deliverables.
Accountability: People Management
- Manage and direct the Payment Partnership team (Scheme Management and Payment partnerships team) activities.
- Ensure team is optimally resourced to deliver annual objectives
- Manage the performance and development of team members
Education
- Bachelor`s Degrees and Advanced Diplomas: Business, Commerce and Management Studies (Required)
End Date: August 18, 2025
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Job Summary
- To plan, manage and monitor the implementation of claims management activities and processes in order to deliver on approved operational plans in an effective and efficient manner.
Job Description
- Claims assessment: Assess and/or process claims following standard operating procedures
- Customer Experience: Handle all customer interactions professionally and efficiently
- Ad Hoc duties: Provide support to customers and team as required to ensure team performance on an ongoing basis
- Compliance and Risk Management: Ensure that all team activities are in adherence to relevant control and compliance requirements, and quality standards
Education
- Further Education and Training Certificate (FETC): Business, Commerce and Management Studies (Required)
End Date: August 18, 2025
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Job Summary
- To plan, manage and monitor the implementation of business development activities in order to deliver on approved operational plans in an affective and efficient manner.
Job Description
- Relationship Management: Establish and maintain professional relationships through networking with industry leaders, regulators and policy makers as well as business partners that are key in the development of new ventures
- Delivery Business Development: Champion and manage business bulk acquisition strategic plan in line with Absa Business unit strategy
- Market Intelligence: Collect market intelligence through research by reading articles, publications, internet, word of mouth and networking on a daily basis to keep abreast of market developments
- People Management: Coach, mentor and manage team members toward driving business objectives and ensuring colleague development
- Operations & Compliance: Actively keep up to date with all relevant knowledge, legislation and developments within the business unit and banking industry that may have an impact on the Business Advantage
Key requirements:
- 4 to 5 Years experience in Beneficiary Funds and Employee Benefit Trusts sales and administration
- Relevant degree / diploma
- Any retirement fund industry qualifications
Education
- Bachelors Degree and Professional Qualifications: Business, Commerce and Management Studies (Required)
End Date: August 18, 2025
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Job Summary
- To develop tactical strategy and delivery plans, formulate associated practice/s and to ensure operational implementation and adaption i.t.o. project management methodology, governance and delivery objectives.
- To provide advanced project management services and to develop, maintain and enhance operational business relationships.
Job Description
- Programme Management: Managing projects with the intention of improving an organisations strategic performance
- Project Management: Monitors the progression of a project at every stage and ensure that the objectives of a project are meet
- Quality Assurance: Maintain a desired level of quality in a service or product, especially by means of attention to every stage of the process of delivery or production
- Ensure that timelines are met: Manage team in such a way that deadlines are met
Stakeholder management: Ensure that stakeholders are identified and engaged
- Managing Others: Take responsibility for the effective management of others
- Experience in delivery of card Acquiring or acceptance Programmes in a Programme Manager, Product Owner or PMO Capacity
Education
- Bachelor`s Degrees and Advanced Diplomas: Business, Commerce and Management Studies (Required)
End Date: August 15, 2025
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Job Summary
- Execute & orchestrate operational processing (batch processing & scheduling) & monitoring services in alignment with customer expectations.
- Leverage experience to contribute to the optimisation, digitisation & automation of command centre services into the future.
Job Description
Command Centre Operations
- Understand an aggregated view of all IT assets (includes technology stacks)
- Execute & orchestrate operational processing (batch processing & scheduling) & monitoring in alignment with customer expectations (& do this consistently)
- Take responsibility for operational processing & monitoring quality by meeting & or exceeding all SLA’s & defined targets for e.g. time, quality, cost
- Continuously evolve own knowledge & skills to assume responsibility for new and OR; refined monitoring & processing services to achieve efficiency & effectiveness objectives (e.g. centralised command centre)
- Review and analyse operational processing, monitoring & scheduling performance data and identify & proactively predict events & incidents (ahead of their occurrence)
- Provide support & information to business, problem management, DR, resilience & technology to identify & implement solutions that will prevent incidents, events & outages of critical business services
- Review operational processing, monitoring & scheduling performance data & provide recommendations for the continuous improvement of these services
- Participate in the testing processes for all new / optimised command centre operations
- Support reviews & ongoing optimization and maintenance on command centre technologies and associated tooling
- Participate in incident & problem management processes and provide critical data-driven insights & suggested remedial actions
- Stay ahead of the curve on emerging operational processing, scheduling & monitoring technologies & practices and continuously leverage evolved knowledge & skill to influence the automation, optimisation, digitisation & predictive capabilities of the command centre
Accountability: Finance, Risk, Governance & Compliance
- Participate in risk, governance & compliance review & manage, maintain & provide regular & accurate command centre information
- Ensure risk, governance & regulatory compliance (always!) of all processing, scheduling & operations activity (own )
Accountability: People
- Support the people change teams in the design of adoption processes (Customer, Employee & 3rd Party Adoption)
Education
- Bachelor's Degree: Information Technology
End Date: August 19, 2025
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Job Summary
- Support high-performing, scalable, enterprise-grade application design & development in agile teams by producing, testing, documenting & reviewing source code.
Job Description
DevOps
- Contribute to all phases of the development lifecycle
- Interpret analysis, problem definition & business requirements to identify solution requirements (e.g. features)
- Produce well-organised and documented source code for technical solutions
- Apply technical organisation principles of self-service, repeatability, testability, scalability & resilience in code development
- Apply general design patterns and paradigms to deliver technical solutions
- Debug existing source code and polish feature sets.
- Work with integrated teams and other developers to improve and evolve technical products and services
- Study & apply Group Architecture & Infrastructure guidelines to all development work
- Support reviews, performance monitoring & ongoing optimization and maintenance on applications
- Stay ahead of the curve on emerging technologies and development practices and continuously evolve existing knowledge & skill in preparation for exposure to Automation, Integration, Messaging, CI/CD etc.
- Update, create and appropriately store application documentation & technical specifications
Risk & Governance
- Participate in incident management & DR activity – applying critical thinking, problem solving & technical expertise to get to the bottom of major incidents
Education
- Bachelor's Degree: Information Technology
End Date: August 19, 2025
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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
Key Accountabilities:
- 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)
End Date: August 14, 2025
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Job Summary
- Provides financial services to meet client specific needs to promote, market and sell Financial Solutions in accordance with relevant legislation, to meet sales targets and achieve strategic business objectives.
Job Description
- Sales Target : Proactively make self-initiated contact with customers in order to deliver against the required sales targets
- 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.
- Compliance and Risk Management: Fulfil all activities in adherence to relevant control and compliance requirements, and quality standards
- Customer Experience: To provide service excellence and achieve customer satisfaction
Education
- Further Education and Training Certificate (FETC): Business, Commerce and Management Studies
End Date: August 19, 2025
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Job Summary
- Work in high complexity environments, fully embedded in a DevOps team, leveraging specialist analysis tools, frameworks, techniques and practices to elicit, define and organize business requirements, across multiple stakeholder groups.
- Translate & document these business requirements into user stories & specifications (Full Stack, Cross System) detailing integration points, business & associated risk / opportunities to be realised.
- And following this analysis, work collaboratively within squads to ensure the business requirements are met through DevOps design & delivery activity & lead the application of testing processes & frameworks ensuring all products & services are effectively tested.
- Business complexity is determined by: Customer Impact Number of integration points: Data Teams to talk to Systems Enabling function 3rd party vs. internal 3. Complexity of business rules & Processes.
- Level of operational readiness.
- Introduction of new or changing old Tech (e.g. redo platforms)
Job Description
Analysis (including Business Case)
- Lead the analysis process for complex business areas
- Proactively build relationships, apply analytical techniques to elicit and validate business (product & service) needs ahead of demand
- Implement routines to get to know / become an expert in various business processes (e.g. spend time in business & with users)
- Translate elicited needs and knowledge acquired into user story format that is immediately usable for DevOps teams (right languaging, format for building & testing)
- Prepare and prioritise the backlog of requirements for the user stories linked to the proposed solutions
- Proactively scan the internal & external environment to predict change requirements & opportunities for improvement ahead of demand (e.g. market, risk, regulatory, customer, organizational change etc.)
- Work collaboratively with Tribe Leads (Technical Product / Service Owners) to build a roadmap & vision for the products and services (including detailed analysis requirements & solution scope)
- Define measures of success & key outcomes for various solutions / changes including detailed acceptance criteria for all features
- Define testing requirements (pass or fail test cases)
- Support the development of detailed business cases (including defining solution characteristics, effort estimations etc.)
Solution Design (within DevOps Context)
- Translate business requirements into an integrated system vision & detailed systems requirements. Detailed system requirements must include all capabilities, interfaces and functionalities within and across technologies.
- Build detailed user stories to be leveraged for system requirements design (modular)
- Leverage business analysis & modeling tools and apply notation standards such as UML/BPMN to diagrammatically/visually document: business requirements, business processes, system processes & integration .
- Facilitate processes to ensure integrated requirements are socialized, understood & approved across the broad range of stakeholders to be impacted (this includes various processes e.g. risk / governance forums, change council, scrum meetings / DevOps team capability building, solution design sessions etc.)
- Understand & leverage knowledge on the organisations technical landscape, environment and broader architecture to define integration points across tech stacks for various requirements
- Work collaboratively with project / program teams, squads, scrum masters and engineers to define backlog, release & DevOps / project planning implications of the requirements development & roadmap (what should happen when)
- Work as part of the embedded DevOps team to continuously improve system requirements mapping (e.g. leverage input from questions asked etc. to consistently improve the quality of the requirements analysis for easier interpretation by the development teams)
- Work as part of the embedded DevOps team throughout the design process to review solution design (features and functionality)
- Facilitate resolution & decision making during development & testing phases for any change requirements
Solution Delivery & Testing (manual)
- Define the manual testing strategy & test cases for various solutions (where it makes sense to do so)
- Define & validate quality & testing parameters (+/-) & plans for the solution (socialize & translate these to automation testing teams)
- Develop manual testing frameworks and patterns for the solution
- Lead the manual testing process for various solutions (e.g. execute test cases, analyse results)
- Provide real time feedback to the DevOps teams on change requirements identified throughout the testing process
- Review & monitor system stability, resilience etc. throughout the testing process (e.g. integration) & in production
- Define & monitor overall backlog planning for effective solution delivery
- Provide Developer & User support during user acceptance testing
- Process Design & Modelling
- Provide input & or lead the development / improvement of organization wide process design approaches, templates & modeling tools
People
- Provide coaching & mentoring across the DevOps team as well as to developing analysts across the estate
- Build strong analysis capability across the analysis team
- Conduct peer reviews & problem solving within and across the broader team
- Provide technical subject matter expertise and support in the attraction and recruitment of Analysts for the organization
- Participate as a subject matter expert in the development & development planning of the broader analyst team
- Support the people change teams in the design of adoption processes (Customer, Employee & 3rd Party Adoption of new system requirements)
- Proactively attract, recruit, develop, retain, reward & deploy & manage a diverse resource base aligned to an ever evolving tech environment (ahead of demand) where you are the leader
Education
- Bachelor's Degree: Information Technology
End Date: August 19, 2025
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Job Summary
- Lead Credit Finance activities with a strong focus on IFRS 9 Financial Instruments.
- Manage the full Finance Impairments process, including journal preparation, reconciliations, reporting, and analysis.
- Deliver accurate and timely financial insights to support strategic decision-making and business performance.
- Drive automation and continuous improvement, ensuring alignment with financial controls and growth objectives.
- Enable agile finance operations that support RB Credit’s transformation and future ambitions.
- Collaborate on building scalable finance capabilities and provide audit support to uphold financial integrity.
Job Description
Accountability: Commercial Finance Execution
- Serve as a subject matter expert on financial data integrity, accounting processes, reconciliations’, analysis and reporting for end-to-end Financial Management in business area.
- Develop and sustain knowledge and experience on the end-to-end processes, including relevant systems within scope of work.
- First line of operational support to internal and external auditors within scope of work; and all queries addressed effectively and efficiently.
- Responsible for continuous operational excellence and real-time responsiveness of finance to enable business to achieve growth and profitability objectives.
- Prepare for all cycles in advance and ensure adequate engagement with the relevant finance and business teams.
- Focus on information-driven performance improvement and formulate data into easy access standardised views.
- Ensure that the CFO is appraised of key financial issues that need to be raised with executive leadership to enable integrity and timely management of the BU.
- Create unprecedented, seamless customer experiences via finance BU enablement.
- Embrace Absa's distinctive brand aspiration and infuse in business.
- Continuously enhance operational practices by introducing innovative approaches and leveraging digital technologies to improve efficiency and effectiveness
- Have a holistic eco-system view of business, that is, geography, customer, channel and product in developing information views of business.
- Book of work contribution: Build innovative finance business case financial information, insights and benefits tracking solutions to continuously inform management decisions.
- Transform and evolve Finance planning, tracking and control processes.
- Contribute to BCM & Cybersecurity processes relevant to the BU and finance execution
Accountability: Financial Reporting
- Build trust in the finance function through the creation of a single source of financial information which is corroborated by related management information sources and alignment to the agreed accounting principles, methodologies, and underlying data are correctly applied.
- Generate innovative easy to comprehend progress reports for leaders on their strategic agenda, short-term and long-term plans and investments, operational success metrics, efficiencies, risks and mitigations.
- Interact with the stakeholders to agree minimum quality standards, as well as an agreed method of communicating and resolving any identified quality deficiencies in the reporting process.
- Own the process of delivery of high-quality information for regular and ad-hoc enhanced reporting to agreed requirements, timelines, and standards.
- Act in line with the correct governance and control frameworks across the Finance team, as well as for proactively addressing any deficiencies and exceptions.
- Develop and implement control procedures as deficiencies or exceptions are identified which support the production of error-free reports. Assess and drive improvement of business accounting practices and policies.
- Take a commercial view on business and provide contextual insights into performance reports.
- Integrate advanced modelling and analysis capability to provide actionable intelligence, beyond data within the function.
- Generate finance narratives and insights driving business; and build pioneering new propositions.
- Ensure appropriate, quality and timeous delivery of accurate financial and non-financial management information to support business objectives and expectations, including appropriate financial and non-financial metrics, valid and insightful comments and packaging the information in a relevant and appropriate manner.
- Deliver reporting reflecting deep commercial, holistic understanding, coherency, clarity, and contextualisation. Tell the story with passion and conviction.
- Provide thought-leadership, insight, influence and challenge on evolving stakeholder information requirements and reporting processes to deliver analytics.
- Align to processes around month-end, year-end and planning cycles based on the requirements from Group. Prepare for all cycles in advance and ensure adequate engagement with the relevant finance and BU teams.
- Manage the production of regular, high quality, standardised financial and non-financial reporting and analytics to Business and Finance; and focus on effective collaborative stakeholder hand-offs in the production.
Accountability: People Investment
- Peer responsibility: Coach, inspire, engage, mentor and develop finance and business savvy leaders.
- Network with finance colleagues across Group Finance and create awareness of challenges, opportunities and issues and encourage collaboration.
- Focus on Finance skills evolution and remaining relevant.
- Ensure deep personal understanding of income statement, balance sheet, margin returns, variance analysis, capital and liquidity requirements, revenues, assets, liabilities and capital, expenses, headcount analytics and other key ratios through relevant business engagement.
Education and Experience Required
- Minimum B-degree (NQF level no.7) Desired Post Graduate Degree (NQF level no.8+), CA (SA) or CIMA or MBA qualification preferred.
- 3+ years professional financial management experience
- 2+ years Banking Experience at a management level
Knowledge & skills
- Experience in executing finance processes
- Experience in commercial innovation environments
- Broad Finance including strategic, commercial, legal, risk and operational aspects
- Understanding of the financial services sector within a professional business environment
- Strong problem-solving skills
- Strong data analytical skills
- Strong technical accounting skills
Education
- Bachelor`s Degrees and Advanced Diplomas: Financial Sciences (Required)
End Date: August 18, 2025
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Job Summary
- Provide superior, seamless customer experience and offering suitable solutions to meet client needs.
- Utilise technology and leverage the virtual omni-channel environment, to deliver service in an efficient and cost-effective manner.
- Perform banking duties and oversee the financial activities for business and individual customers.
Job Description
- Income Growth and Financial Targets: Ensure a deep understanding of client's working capital cycle and business needs to provide appropriate solutions. Drive achievement of targets as per individual scorecard.
- Customer Focus: Proactively drive acquisition and cross-sell initiatives through re-engagement processes. Ensure service and complaints resolution are within acceptable service level agreements.
- Compliance and Risk Management: Fulfil all activities in adherence to relevant control and compliance requirements, and quality standards.
- 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
- Higher Diplomas: Business, Commerce and Management Studies (Required)
End Date: August 26, 2025
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Job Summary
- Provide specialist advice and support in the implementation/development of operational planning and associated service delivery processes, methods and techniques.
Job Description
- Advisory Solutioning:: Identify and review client needs so as to provide advice and deliver products and services by maintaining a strong relationship with clients and stakeholders.
- Resolve client issues appropriately and escalate those unable to resolve to the Relationship Executive via the Personal Bankers/ Relationship Managers/RIB Regional Managers. Identify market and industry trends, by analysing sector research, economic periodicals and industry journals and advise RIB stakeholders and clients on these.
- Advise Managers and Consultants in the handling of complex client transactions by providing additional insight, detail and information on clients, where appropriate (examples would include credit arrangements or Exton dispensations)
- Educate, sensitise and provide feedback to internal target market stakeholders (Private bank, Absa Wealth, Retail affluent market segment, etc) regarding the joint responsibility to achieve income objectives.
- Business Acquisition:: Establish relationships with potential c
Education
- Bachelor`s Degrees and Advanced Diplomas: Business, Commerce and Management Studies (Required)
End Date: August 19, 2025
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Job Summary
- To provide banking services accurately and timeously through the execution of predefined objectives as per agreed standard operating procedures (SOPs). Selecting this role has a compensation & benefit impact in TZ (NBC), Botswana, Kenya. Please contact Reward for details.
Job Description
Customer service: Deliver customer service at first point of contact
- Capturing financial transactions: Capture all financial transactions on the Bank system and ensure that all transactions are properly authorised by a mandated official before finalising the processing
- Fraud prevention: Identify potential fraudulent transactions and report these and other suspicious transactions as per the Money Laundering control framework to management
- Capture customer data: Update demographics such as address changes, name changes and standing order instructions based on information supplied by customer.
Education
- Further Education and Training Certificate (FETC): Business, Commerce and Management Studies (Required)
End Date: August 15, 2025
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Job Summary
- To develop tactical strategy and delivery plans, formulate associated practice/s and to ensure operational implementation and adoption of credit risk management methodology, practice, governance and delivery objectives.
- This role safeguards the organization's financial health and operational resilience in a dynamic and complex market environment. Involves group independent oversight for Retail Risk, Centre enablement services (e.g. impairments, best practice standards and oversight over key Credit Risk reporting and analysis MI, Models, Capital etc.).
- Reporting and stakeholder management into ARO and Group Committees (ARO RBB, ARO Management forums, Group, Boards and Regulators).
Job Description
Accountability: Risk Management
- Strategy Formulation and Execution: Strategic challenge and alignment of Business Unit strategies with macroeconomic and regulatory context.
- Determination and proposal of overall Risk Appetite and strategy.
- Risk and Control: Maintenance of and adherence to relevant Policies, Procedures, Standards Frameworks and Regulatory requirements.
- Assurance of robust and thorough risk management activities.
- Development of risk capabilities across business units.
- Establishment of appropriate systems and controls for identifying, assessing, and managing key risks
- Timely escalation and mitigation of risk issues.
- Maintenance of relevant policies, standards, and frameworks.
- Reporting to country and relevant group committees on risk performance and adherence to Risk Appetite.
- Regional oversight of framework and policy adoption for all relevant risks.
- Timely response and remediation of audit and regulatory issues.
- Leadership in retail credit risk across the account life cycle related to credit origination, portfolio management, recoveries and collections and loan loss provisioning.
- Approval of policies, strategies, and procedures for risk management.
- Establishment of governance for Retail Credit Risk teams.
- Responsibility for retail credit risk strategy performance in collaboration with Country Credit Risk Officers & Heads of Credit Risk.
- Operationalization of key projects driving new capabilities and efficiencies.
- Support to the Chief Risk Officer in delivering unit’s plan.
- Identification and collaboration with external partners within approved frameworks and policies.
- Oversight of governance processes regarding engagements with 3rd parties.
- Obtaining necessary approvals for relations/dealings with 3rd parties.
- Regular review of 3rd party processes to ensure adherence to policies.
- Oversee and consolidate Retail Credit across the ARO10 banks in 9 countries across Retail and Micro SME products.
- Governance aligned with ERMF and associated policies and standards.
- Ensuring portfolio returns are above benchmark and with concentration limits and earnings volatility.
- Ensure MCA and CE are rated as Satisfactory for the ARO Retail Credit Risk function. Reviews country Retail Risk ratings as part of assurance and oversight.
- Financial Management: Management resources within the agreed budget of the function.
- A robust understanding of the application of retail models and model risk management.
Accountability: Strategy Formulation and Execution:
- Implementation and embedding of an integrated risk management framework across all business areas and countries.
- Accountability for efficient and effective governance of significant risks and related opportunities.
- Strategic alignment and collaboration with all other risk activities within Absa.
- Provision of clear and constant feedback on progress and challenges within the business to relevant stakeholders, ensuring they are kept informed of current events and issues.
- Regular country visits to influence the adoption and embedding of a coherent risk culture.
Accountability: People Management
- Develop high performing teams.
- Development of capability and talent within the risk function in each country.
- Provision of clear strategic direction, translating and prioritizing goals into business and performance measures.
- Role modelling and embedding Absa values throughout the function.
- Review of resource plans and alignment of resource allocation with business plans and priorities.
- Leadership in talent management, development, and mobility within the function.
- Creation and execution of people plans aligned with business objectives, ensuring succession planning for critical roles.
- Championing diversity and inclusion across the function, ensuring relevant activities are conducted and contributing to Absa's culture strategy.
- Providing input on performance ratings for country and Centre risk teams.
- Utilization of Absa's learning agenda to enhance capabilities within the function.
Accountability: Stakeholder and Relationship Management
- Facilitate effective interaction with Country and group teams, as well as relevant Risk Committees.
- Provide support to the CRO and other management colleagues in internal and external interactions as needed.
- Cultivate and sustain effective relationships with Business/Functional Heads.
- Ensure strategic alignment of ARO risk with Group and Business Unit risk teams.
- Primary Regulator.
Accountability: Business Management
- Take ownership and accountability for coordinating Risk elements during annual planning and review of MTP, STP, and RAF budgets.
- Manage the function's operations effectively and efficiently, aligning with the overall Risk Target Operating Model approved by the ARO CRO.
- Ensure operational adherence to agreed costs and headcount budgets.
- Provide support to the ARO CRO, ARO Credit CRO and their management team in effectively and efficiently operating the Regional Africa Risk Function, consistent with the Risk Target Operating Model endorsed by the Risk EXCO as necessary for the Group.
Education
- Bachelor`s Degrees and Advanced Diplomas: Business, Commerce and Management Studies (Required)
End Date: August 25, 2025
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Job Description Summary
- To provide specialist advice and support in area of specialization enabling the provision of effective fraud risk management services.
Investigations:
- Investigate all theft, fraud and corruption cases allocated, end to end by ensuring that all investigative/operative methodologies and standards (e.g. planning, reporting) are adhered to within prescribed time limits Compile a comprehensive case report containing the factual findings of the investigation, recommendations addressing people, processes, procedures and system failures or internal and external threats and forward the final report to Stakeholders.
- Provide relevant findings and evidence for the use in disciplinary purposes and CCMA matters to Line Management and Employee Relations to ensure that appropriate and successful sanctions are handed down.
- Attend disciplinary / CCMA hearings when required. Attend criminal / civil court proceedings when summons to do so, to provide expert evidence in Court, relating to Absa's products, processes and flow of transactions to obtain successful prosecutions.
Risk Identification and Fraud Prevention:
- Identify fraud risks or emerging risks during the course of an investigation or interactions with internal and external stakeholders, escalated upon discovery, to the relevant business unit and the Fraud Defence /Strategy Recoveries and Remediation Department for assessment and closing of gaps related to processes, policies and systems.
- Conduct a proper risk assessment with each investigation, which includes quantification of the loss, insurance claims, media impact / exposure, blocking accounts, claims, provisions, risk mitigation and compliance reporting, Ombudsman queries and engaging with Group Legal Services etc.
- Identify high-risk Business areas, through feedback received from parties attending risk forums / investigations outcomes and perform specific fraud awareness presentations at the respective Business Units to the identified staff.
- Inform Heads of Business via e-mail of new trends / scams identified with further escalation to Stakeholders and Business Units for further actions.
Operational Requirements and Compliance:
- Identify areas of improvement, make suggestions/recommendations on ways of working, concerning the investigative and operating methodologies, to line management, for further consideration, to improve standards and workflow.
- Adhere and comply with the Group policies and procedures as set out on the Absa Intranet i.e. attestations, compulsory compliance training, via the Absa Learning system.
- Work co-operatively with colleagues, contributing positively and constructively to the achievement of the organizations’ objectives.
- Stakeholder Management: Develop and maintain relationships (establish relevant networks) with all internal and external stakeholders such as however not limited to (Absa Business Units, SAPS, other Banks, SARS etc..) to ensure that their co-operation can be obtained when required for key operations (e.g. recovery actions, data mining).
- Interact with counterparts in the industry to share information, gain an understanding of the threats and risks and to ultimately keep abreast of changes in the field and in the industry.
- Actively participate in regular meetings with stakeholder / business, providing meaningful input and sharing information on best practices / investigation findings /risk identifications etc.
Qualifications and experience
- 3 to 5 years’ experience within a financial crime, fraud, or forensics role or
- 3 to 5 years’ experience in a risk management or legal risk role.
- Credit Card & Digital banking investigation experience (preferred).
Education
- Bachelor`s Degrees and Advanced Diplomas: Law, Military Science and Security (Required)
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Job Summary
- The Chief Risk Officer (CRO) is the executive responsible for providing effective independent oversight of risks arising from the business banking across the African regional operations (10 banks).
- The CRO's key role is to create and implement risk management frameworks, policies, and standards that include adequate measurement, reporting, and management of financial and non-financial risks.
- The CRO will also monitor risk-taking activities and report on adherence to limits, regulations, and standards.
- The role within ARO business bank will place a strong emphasis on credit risk, including credit appetite setting, business bank commercial, sme and private wealth sanctioning, risk reporting, model risk management, and impairment and recoveries control.
- Furthermore, in an ARO RBB setting, the role will also be responsible for consolidated RBB credit reporting, chairing the RBB credit committee, and assisting with independent evaluation and challenge of impairment estimates, rate updates, and technical model ris
Job Description
Accountability: Credit Risk Management
- Credit Appetite: setting of credit appetite through sector and segment limits that is aligned to the business strategy, returns hurdles and earnings volatility.
- Sanctioning: sanctioning support aligned to mandate, structuring of transactions with a risk focus and voting member of the credit approval committee and independent member of country level credit committee.
- Risk Reporting: credit risk reporting at ARO level credit committees and Group credit committees related to new business, existing portfolio, impairments and recoveries.
- Actively partake and provide input into Deal Forums ensuring that credit risk associated with business opportunities are pro-actively highlighted and managed.
- Network with stakeholders and clients to obtain a commercial awareness of the regional market and industry specifics leading to improved customer solutioning.
- Manage and report on the end-to-end credit process ensuring service delivery exceeds the expectations of stakeholders (Turnarounds, client visits).
- Proactively manage the credit risk on the portfolio by ensuring timely reviews, ensuring securities and conditions are up to date and monitored. Understanding of legal documents relating to securities and traded product, including ISDA and CSA.
- Obtain an in-depth industry understanding of local markets to better understand the risk profile of our portfolio.
- Remain up to date on legal changes as well as Basel requirements to reduce the risk associated with the portfolio.
- Client: Conduct client visits on material new business sanctioning and business support cases.
- Control Environment: Ensure control environment is tracked and remediated to target risk appetite through recovery plans.
- Capability: shape, influence and improve business banking credit process, technology and capability to improve automation, efficiency. Ensure people skills are appropriately aligned to business strategy. Lead motivations for investments through business cases as required.
Accountability: Credit Governance
- Voting member of ARO Business Bank Credit Committee and alternative chair.
- Responsible for the setup and management of credit committees (i.e. sanction, watchlist, impairment, portfolio reviews).
Accountability: Model Risk Management
- Ensure all models are compliant with the Group’s models and standards.
- Identify model related gaps with appropriate compensating controls.
- Provide appropriate business bank business insight into new model construction.
Accountability: Business Bank Impairments
- Responsible for the independent assessment of performing and non-performing balance sheet Impairment with monthly review of ECL
- Manage Impairments to plan within acceptable level of portfolio levels.
- Test appropriateness of staging and restructure assumptions, forward-looking impairment and management overlays.
- Responsible for robust Group and BU impairment report with a strong forward guidance on material matters.
Accountability: RBB Credit
- Review the reporting for ARO RBB to Group Credit, Board, regulatory, internal business and finance committees to ensure the numbers presented and messaging is fit for purpose and represents the portfolio position.
- Chair RBB Credit committee.
- Provide retail credit with support on independent review and challenge of impairments, rate update and model technical matters.
Accountability: People Management
- Build and manage the In Country credit Head ensuring the delivery and compilation of high quality and to achieve excellent business results through continuous people development and mentoring activities.
- Enhance the skill base of the credit analyst pool through active management initiatives and leading by example, on the strength of technical proficiency.
- Ensure the development of a high-performing team through embedding formal performance.
- Development and informal coaching.
- Determine and analyze training and development needs for direct reports. Ensure that identified training is budgeted.
- Develop workforce planning and ensure recruitment strategy supports it.
- Address performance issues promptly using the correct channels.
Accountability: Stakeholder Management
- Build strong relationships with both ARO and Centre Absa internal and external stakeholders.
- Effectively communicate developments within areas of activity to all relevant stakeholders.
- Ensure impeccable and timeous service levels.
- Ensure that all teams within the pod work closely together to deliver a high level of client service.
Education
- Bachelor`s Degrees and Advanced Diplomas: Business, Commerce and Management Studies (Required)
End Date: August 25, 2025
Method of Application
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