Career Opportunities at Absa

Job Summary

• This role assumes overall responsibility for the end-to-end execution of the strategic digital roadmap across multiple digital front-end channels across a complex portfolio of business units. These product strategies must be aligned to the Group and / or business unit requirements and contribute to the overall achievement of the bank’s strategy.
• Leads the implementation of the strategic digital roadmap of multiple streams within the portfolio across multiple channels. Delivers complex, large scale digital products through the integration and optimisation of the internal value chain. 
• For the designated portfolio of digital products, lead and drive operational excellence in the delivery of the relevant business plans with respect to customer and colleague digital adoption, consequently driving business value and business performance in digital channels.

Job Description

Strategic Leadership and Planning

• Accountable to the customer, lead the end-to-end execution of the digital strategy across various digital front-end channels through driving parallel execution paths across various products within the portfolio
• Lead and take accountability for multiple product streams by evaluating both market and technology opportunities for improvement of Digital products and features on offer within Channel.
• Contribute to the formulation of product strategies by providing key inputs into defining product vision, roadmaps and growth opportunities to penetrate possible market opportunities in line with the larger digital business strategy. 
• Execute on the strategic vision for the product portfolio through translating strategic outcomes into defined work packages that can be interlocked across various structures
• Assess value, develop cases, and prioritize stories, epics and themes, across product streams to ensure work focuses on those products with maximum value that are aligned with overall Digital product strategy
• Remain abreast with local and international trends and developments within the digital PM (Lean Startup) world to identify opportunities for the improvement of Product sets 
• Drive the product release planning and set expectation for delivery of new functionalities. Track progress of work and address risk and interdependencies which impact on business units and product streams within the portfolio.
• Serve as a professional functional specialist and contribute to digital thought leadership, trends and market insights to influence and optimise the formulation of the business digital transformational strategy
• Provide key inputs into the multiyear (3-5) roadmaps that will drive out the portfolio strategy. Must provide the expertise to influence prioritisation and investment decisions for the channel portfolio
• Implement the required improvements to improve the maturity of the capability
• Product Development
• Drive the end to end achievement of the digital strategy of the Channel. In so doing must create appropriate plans to achieve these objectives and establish metrics and data points to ensure effective monitoring of the strategy execution
• Drive development and management of internal processes to ensure the effective delivery of products. 
• Provide innovative solutions to digital problems and seek to identify customer opportunities that can be solved digitally.
• Drive and deliver on mobile feature development and guide team on crafting a mobile first transformation agenda with portfolio of products.
• Evaluate, implement and leverage product management technology and tools to increase productivity, and accelerate team learning and skills development.
• Product lifecycle
• Focused on the needs of the customer, adopt a holistic approach that considers the end-to-end product system to drive out key results and interlock key deliverables across the value stream.
• Guide and advise cross-functional teams through the entire strategic and tactical product lifecycle, from ideation and roadmap to development, refinement, ongoing optimization, growth and finally product retirement. 
• Drive the development of go to market strategy and preparation of both internal and external plans before go-to market launch.
• Collaborate with marketing teams to develop scale and marketing plans. Measure ROI of marketing investment on an on-going basis.
• Enforce the continuous Product performance analysis in terms of all product parameters (including market share, customer take up, utilisation / activity, financial performance etc.) and promote a focus on market activity to gain traction and market share in the industry.
• Design and implement continuous improvement action plans.to drive greater levels of service management and customer experience
• Drive the development of sunsetting plans for products in the portfolio that are outdated, and which are not providing a ROI.
• Learning and Growth / PM / Risk
• Establish and promote adherence to the necessary processes and standards and set the governance for the lifecycle of digital assets.
• Lead the interview and recruitment process for product portfolio.
• Drive formal performance development and provide informal coaching for the portfolio team and facilitate frequent knowledge sharing between team members.
• Ensure effective utilisation of the knowledge management and agile learning system by the team to support real- time learning.
• Drive new ways of working by implementing best practices and methods for the portfolio. 
• Facilitate and maintain an engaging, enabling and productive work climate aligned to the employee value proposition and cultivate a culture of innovation, experimentation and results-orientation
• Lead the execution team of cross functional experts and foster a culture of ownership and accountability.
• Commercial performance
• Promote and commercialise the strategic outcomes of digital assets through the effective use of marketing tools, communication methods and digital techniques for different channels.
• Deliver on the commercial outcomes of digital assets. 
• Continuously seek new opportunities to maximise the value of digital assets.
• Contribute to the setting of portfolio budgets to ensure adequate funding for strategic deliverables of the business unit.
• Continuously review product performance against key SLA’s delivering corrections where necessary. Track commercial performance against annual targets set.
• Identify new revenue opportunities and cost reduction opportunities within the portfolio for current and future considerations.
• Proactively manage high risk and problematic financial issues in respect of accountability and governance.
• Support the commercial decision making of digital assets throughout the product lifecycle 

Education

Bachelor`s Degrees and Advanced Diplomas: Physical, Mathematical, Computer and Life Sciences (Required)

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Job Description

Strategic Leadership and Planning

• Drive data gathering process and analyse latest trends, best practice and current industry standards to drive improvement of product sets. 
• Analyse market trends, sales performance and competitor activity to identify customer needs and market gaps 
• Using research insights, provide informed recommendations on how to improve the performance of products within the portfolio. 

Product Development

• Gather product requirements, coordinate with relevant chapters to deliver functional solutions and participate in system configuration.
• Deliver against product release plans. Identify & escalate risk and interdependencies which impact on business units and product streams within the portfolio.
• Work with developers to delivers quality features and products within the expected timeline
• Deliver on assigned outcomes in innovation experiments and R&D. Provide a view on experiments and work with teams to create new solutions
• Collaborate with product managers to maintain plan integration and ensure overall achievement of product objectives.
• Engage with customers to solicit feedback and ensure product meets customer expectations whilst aligned to the overall digital strategy

Product lifecycle

• Deliver on specific quality outcomes assigned from any stage of the digital product lifecycle. This could include project deliverables during the building phase or span to include customer feedback analysis or actions from the post launch phase
• Perform Quality Assurance controls on products
• Identify new opportunities and service improvements for various Product sets to improve user experience and drive value for the business
• Implement assigned continuous improvement tasks to improve the functioning of the chapter.
• Drive reporting and analytics within the portfolio and provide key analysis and insights on product performance
• Learning and Growth 
• Deliver on key tasks and specific KPIs from the various end to end cross functional processes to achieve operational outcomes for the team
• Drive the Knowledge Management for the portfolio of products and the ensure the central repository always remains up to date
• Execute best practice methodologies for customer and colleague digital adoption through collaborating with relevant stakeholders in respect to knowledge and Information sharing sessions.
• Practice continuous learning and self-improvement to stay informed on digital best practices
• Adhere to processes, control requirements and risk management frameworks designed for the area.
• Create support and training documents for internal and external users to promote sustainability within the team. 

Commercial performance

• Execute specific actions, tasks and project deliverables required to achieve specific commercial outcomes for the product.  
• Gather the required data and Market Insights for decision making and identification of opportunities
• Provide the necessary competitor, market and business performance analyses to support relevant teams with aligning product launch activities with marketing activities
• Identify cost reduction opportunities within the Channel to drive value for the business

Education

Bachelor`s Degrees and Advanced Diplomas: Physical, Mathematical, Computer and Life Sciences (Required)

go to method of application »

Job Summary

• This role Leads the implementation of the strategic digital roadmap of a single business roadmap across multiple channels. Delivers complex, large scale digital products through the integration and optimisation of the internal value chain that is limited to a single roadmap.  
• For the designated portfolio of digital products, drive the delivery of the relevant business plans with respect to customer and colleague digital adoption, consequently driving business value and business performance in digital channels.

Job Description

Strategic Leadership and Planning

• Build strategic product roadmap aligned to the overall digital strategy and deliver against defined work packages
• Remain abreast of current industry standards locally and internationally to understand emerging trends in digital and digital product ownership 
• Ensure that the strategy includes conducting on-going local and international market analysis for new and innovative offerings for consideration in the different portfolios, while driving continuous strategic alignment internally.
• Manage product release plans and deliver on new functionalities. Track progress of work and address risk and interdependencies which impact on business units and product streams within the portfolio.
• Provide thought leadership and contribute towards the innovation engine for the portfolio.
• Proactively engage and build relationships with business, design and technology stakeholders. 

Product Development

• Deliver on mobile feature development and guide teams on crafting a mobile first transformation agenda with their aligned businesses.
• Execute strategic vision at a functional and operational level.
• Effective use of product management technology and tools to increase productivity, and accelerate team learning and skills development.
• Execute product roadmap based on the product lifecycle with its associated price, promotion, distribution and customer needs objectives.
• Provide direction, guidance and input to the digital analysts on the development and management of processes to ensure the effective delivery of products. 

Product lifecycle

• Accountable for delivering the end to end features or projects on a specific digital channel. 
• Manage both the strategic and tactical product lifecycle, from ideation and roadmap to development, refinement, ongoing optimization, growth and finally product retirement. 
• Provide ongoing strategic input to marketing teams to ensure alignment to product capabilities.
• Execute and deliver on continuous improvement action plans to optimise service management and customer experience levels.
• Execute on sunsetting plans for products in the portfolio that are outdated, and which are not providing a ROI.
• Manage reporting and analytics within portfolio and provide key analysis and insights on performance of the products.

Learning and Growth / PM / Risk

• Facilitate and encourage frequent collaboration and knowledge sharing between team members.
• Oversee the maintenance of knowledge management tool and agile learning system to support real- time learning.
• Implement best practice methodologies for customer and colleague digital adoption.
• Promote an engaging, enabling and productive work climate through positive and constructive participation.
• Promote and monitor team adherence to processes, control requirements and risk management frameworks designed for the area.
• Practice continuous learning and self-improvement to stay informed on digital best practices

Commercial performance

• Deliver the commercial outcomes of a specific feature and makes recommendations to improve commercial outcomes.
• Use data insights to identify opportunities and make recommendations for investment 
• Continuously review product performance against key SLA’s delivering corrections where necessary. 
• Identify opportunities for new revenue and cost reduction within the product stream for current and future considerations.

Education

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

go to method of application »

Job Summary

Responsible for designing a reward programme that will deliver an exciting value proposition, and enhanced customer experience.
Leading the business to create a programme which embodies;

• high perception of value for clients.
•  meeting cost and return targets as outlined in the bank strategy.
•  accurate forecasting and pricing to eliminate unnecessary pricing risks.
•  enhancement of the Absa brand.
•  driving optimal client behaviours.

Job Description

• Outline clear and compelling vision in terms of rewards, translating the vision into a set of clear and actionable initiatives.
• Set and communicate a long term strategy that clearly articulates strategic targets and metrics to align the delivery of agreed strategy against the RBB business strategic objectives and targets and shareholder expectations
• Significantly improve customer and market perception of Absa Rewards
• Grow the Absa Rewards base (increasing sales and reducing attrition) in line with RBB vision
• Enhance customer engagement and experience through innovative new engagement experience

Education

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

go to method of application »

Job Summary

The main purpose of the role is to optimise the profit and economic value of a portfolio of clients with high growth potential and commercial banking requirements by focusing:

• Origination efforts to acquire new clients plus up-selling to existing client base; and
• Coverage efforts to solution a designated number of clients

Job Description

The main purpose of the role is to optimise the profit and economic value of a portfolio of clients with high growth potential and commercial banking requirements by focusing:

• Origination efforts to acquire new clients plus up-selling to existing client base; and
• Coverage efforts to solution a designated number of clients

Key Accountabilities:

Drive Financial Targets

• Maintain primary ownership of a portfolio of client accounts, differentiated by the level of complexity of the client base.
• Ensure the long-term sustainability of the portfolio by establishing relationships with new clients and solution-based up selling to existing clients.
• Make effective use of the client planning and solutioning tools (Sales tools) to ensure in-depth understanding of client needs, in order to provide clients with the best possible solutions.
• Achieve new business and up-selling sales targets by pro-actively driving cross functional teams (including but not limited to Sector and Product specialists) to find client-centric solutions which must be formalised in strategic proposals and presented to clients in accordance to the distinct Client Value Proposition (CVP)  for Accounts.
• Track and monitor the financial performance of the portfolio by utilising the Sales Funnel and VAPM tools.
• Apply risk-based pricing for all new sales and pricing reviews in line with the RB pricing policy.
• Operate and position RBB in a dynamic and highly competitive market place by interacting with all relevant stakeholders driving key initiatives to secure client retention and growth.
• Achieve sales targets relevant to the strategic initiatives and drivers of the Accounts portfolio.

Relationship and Service Management 

• Actively develop strong advisory client relationships with key decision makers, utilising the networking skills of senior RBB Executive where the opportunity arises.
• Conduct regular client visits in accordance with the Account Value Proposition and initiate changes to RBB Product by providing input into product development to better service our clients.
• Prepare holistic, comprehensive, high quality call reports for distribution to all relevant stakeholders and Credit Analyst to shorten the lead-time of credit applications.
• Make use of middle- and back-office support networks to ensure effective on-boarding and complete end-to-end service delivery.
• Take ownership of client complaints that originate from the RE's area of responsibility and accountability and log on to the Client Compliment and Complaints system as per the prescribed policy and procedure guidelines. This will allow business to track actions to improve on service levels.
• Take overall accountability for service delivery by setting the rules of engagement for the cross functional team, which includes Transactional Banker, Credit Analyst, Segment Support Client Control Team, Client Service Consultant & Product & Sector teams. Stay abreast of new industry developments and clients' market position.
• Take actions to build and maintain sustainable client relationships that continuously create sustainable value for RBB.

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.
• Responsible for the obtaining and scanning of all KAMLS and other on-boarding documentation relevant to the deals that the RE has on boarded.
• Ensure that all outstanding collateral conditions are met.
• Manage high credit risk clients in conjunction with the credit team by conducting regular client reviews.
• Apply appropriate solutions according to the risk profile and credit appetite within the industry.

Drive Team Work

• Co-operate and work well with others in the pursuit of organisational objectives and team goals. Attend team meetings and contribute fully, including suggestions for ways of improving customer service and meeting targets.
• Communicate concerns or challenges that derive from team interactions in a constructive and positive manner.
• Share information and make others aware of information that may be useful to them.
• Develop supportive relationships with colleagues and create a sense of team spirit.
• Develop and maintain contacts with Specialists in other areas of RBB and the Group.

Self-Development 

• Attend relevant economic environmental business forums to be able to raise client conversations to a strategic level.
• Subscribe to relevant segment specific initiatives and apply this knowledge to act on opportunities to maximise revenue and profitability.
• Take responsibility for personal learning to help develop pro-active career and life attitudes.
• Keep abreast of regulatory changes through regular training.
• Monitor available L&D courses to develop your own training whilst helping others in the team to develop theirs.
• Demonstrate the willingness and ability to perform to the very best levels to ensure personal alignment to ABSA's values and vision.

Competencies:

• Values Driven
• Digitally Empowered
• Customer Obsessed
• Exceptional Team Player
• Creative Problem Solving
• Drives Results
• Pan African Citizen

Minimum Requirements

• B-degree in commerce/marketing/ finance (NQF 7)
• 5-8 years of sales and financial experience in a commercial banking environment.
• At least five (5) years experience and knowledge in the dynamics of the market place and industries (global, regional and local)
• At least five (5) years experience in driving business and solution across divisional silos (e.g. segment, credit, product) and product silos’ and access wide set of products (e.g. FX, Trade Finance)
• At least five (5) years experience in evaluating and understanding complex company financials and other economic trends.
• In-depth understanding of credit solutions - Internal networking / credibility
• At least five (5) years experience in structuring a good complex credit solution and guiding the credit process with the required parties
• Preference will be given to South African Citizens and Permanent residents of South Africa in possession of proof of permanent resident status.

General

• The appointment will be made in line with the Divisional Employment Equity strategy.
• There is no referral payment option with this requisition.

Education

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