Career Opportunities at Absa Group Limited (Absa)

Job Summary

• We are looking to recruit a suitably experienced/qualified Internal Auditor to join our EB IA team which covers the Consumer Products, Customer Value Management and Service and Enablement Businesses. The role is specific for the portfolio that covers payments, data and digital so as a result an individual with exposure to data analytics and IT audits will have an advantage. This role include monitoring the risk profile of the business and execute audit assignments in accordance with the Group Audit Plan and Internal Audit methodology, relevant policies, procedures and quality standards.

Job Description

Key Responsibilities

• Ensure that all activities and duties are carried out in full compliance with regulatory requirements, ABSA Enterprise Wide Risk Management Framework and internal Policies and Policy Standards and IA mandate and IA Methodology.
• Ongoing learning and upskilling on EB and Banking industry knowledge (i.e. general and technical) through on the job, coaching, self-learning, external workshops or training for professional qualifications, and continual feedback and share with colleagues.
• Develop and maintain an in-depth knowledge of the EB business and IA methodology, by attending training sessions and using knowledge gained during audits, use this proactively in executing audits.
• Deliver on work assigned by the Audit Manager to a high quality and in accordance with the requirements of the IA Methodology.
• Assist the Audit Manager with planning and execution of fieldwork and also during reporting phase, uniformly applying the methodology and quality standards, focusing the work on key risks, with minimum supervision from the audit manager.
• Develop and maintain relationships with key audit contacts on each audit and during business monitoring activities. Present effectively at stakeholder meetings and forums to share knowledge and information including methodology, standards, changes and new developments with business stakeholders on an ongoing basis.
• Engage proactively with the wider Internal Audit colleagues and request technical assistance where required from the Centres of Excellence during audits.
• Identify opportunities for using Data Analytics and enhanced automated auditing techniques.
• Document all working papers in line with methodology requirements. The working papers must be accurate, reflective of work performed and support conclusions drawn.
• Ensure all audit observations and planned actions are factually agreed with management as soon as they arise agile auditing principles and display professional scepticism, raising and discussing contentious observations with management and provide evidence to support all issues identified.
• Perform Issue Validation testing and documenting of the working papers in accordance with the requirements of the Methodology
• Actively contribute to Reporting for relevant EB Risk Committees and during annual planning for EB and wider IA plan.

Experience:

• Governance, Risk and Controls experience with a focus on EB environment.
• Basic knowledge of regulatory requirements pertinent to EB products and services e.g. FAIS, FICA
• Strong documentation and report writing experience
• Exposure to General Technology and use of Computer Assisted Audit Techniques (CAATs)
• Exposure to data analytics tools

Competencies

• Deciding and initiating action
• Learning and researching
• Entrepreneurial and commercial thinking
• Relating and networking
• Adapting and responding to change
• Persuading and influencing
• Creating and innovating

Minimum Requirements

• 3 years’ experience in auditing, risk management or governance and control
• B Degree (Internal Auditing, Accounting, Commercial, Economics or Statistics)
• Certified Internal Auditor (CIA)/ Chartered Accountant (CA)

Education

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

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Job Summary

• Take complete responsibility of the trader function for Portfolio Management team within CIB Global Markets. Bachelor’s degree with ideally post-graduate qualification/s in Investments/Portfolio Management/
• Economics/Accounting/Alternative Investments/Risk Management (eg. SAIFM and CFA)3 to 5 years Investment Banking experience in similar role

Job Description

Execution:

• Primary execution in accordance with all policies, procedures and Economic Funding Plan
• Secondary execution on beta protection and alpha generation activities
• Interaction across Product, Coverage, PM and Treasury across CIB
• Booking of transactions that facilitate accounting and ongoing deal management and most importantly taking into account complete understanding of deal economics and approvals / checklists (including CPs)
• Input to Credit Reviews based on ongoing deal management
• Execute subsidy on a deal level against policy

Position Monitoring:

• Trader P&L interrogation at a position and portfolio level
• Complete understanding on ongoing management and interrogation of key risk measures ie. DGs, LGDs, RWA, Limits, Utilisation and reported/recorded data against the underlying portfolio exposures
• Monitoring and full understanding of the drivers for Market Risk measures such as, NOP, PV01, CS01, Bid/Offer & Price Testing and initiate any remedial activity

Management Information:

• Provide MI on a deal level, built up to a portfolio view in terms of Risk and P&L
• Review sustainable forecasting and agree/negotiate on future budgeting

Stakeholder engagement

• Contribute effectively, efficiently and professionally on all product related activities with all stakeholders within Absa Group while assessing opportunities to develop new products.
• Effectively communicate developments within areas of activity to all relevant internal and external stakeholders.
• Develop and maintain good working relationships with internal and external business partners

Education

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

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Job Summary

• Work as part of a DevOps team, leverage specialist analysis & testing tools, frameworks, techniques and practices to elicit, define and organize business requirements. Translate & document 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 during design & delivery activity including assuming responsibility for manual application testing processes, frameworks & outcomes

Job Description

Analysis (including Business Case)

•  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
•  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 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)
•  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 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

People

•  Provide coaching & mentoring across the DevOps team as well as to developing analysts across the estate
•  Conduct peer reviews & problem solving within and across the broader team

Education

• Bachelor's Degree: Information Technology

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Overall job purpose

• To embed the Branch Control Effectiveness framework by ensuring all standard controls are implemented and monitored on a daily basis, while taking full accountability for the overall branch operations in support to the Branch Manager.

Job Description

Key accountabilities 

Accountability:  Branch Control Effectiveness

• Proactively manage the key General Ledger accounts including the investigation, rectification of unauthorized / incorrect entries and monthly reconciliation.
• Act as the independent control function for all functional and operational mandates and key / pin / access codes in line with Policy.
• Ensure and act as the primary coordinator regarding the execution/implementation of all operational risk and resilience related activities and standard operating procedures within the branch, i.e. Occupational Health and Safety, Business Continuity Management, Security Incident Management Plans, Robbery Contingency Plans, etc.
• Attest to key risk / management controls, via the various systems / platforms i.e. OMS.
• Perform / assist with independent / surprise / regulatory checks across the various key activities (i.e. cash counts, stock checks, etc.).
• Take full responsibility for all assigned tasks related to nominated “champion” and equipment testing / Safe Custody, alarm testing and adhoc functions as required.
• Ensure the branch colleagues are fully aware of all critical communications / policies and procedures published via bulletins, circulars and make sure that they implement/action accordingly.
• Proactively supports the Branch Manager and branch colleagues on fraud / syndicate awareness and loss prevention.
• Monitor trends, identify gaps and provide suggestions/interventions to improve trends on all Fraud and Operational Loss matters.
• Identify and address the overall needs of the branch in terms of improvements that are of priority.
• Ensure all cash management, self-service device controls are implemented and effectively monitored as per Policy and/or standard operating procedure.
• Identify gaps in the skill levels and knowledge areas pertaining to operations, compliance and operational processes and procedures and coach, mentor or train relevant staff to close gaps.
• Continuously evaluate and ensure content of training material/s are accurate and up to date and escalate appropriately if gaps are identified.
• Discuss “common errors” report with branches to ensure shared understanding of shortcomings, collaborate to identify root cause and put plans in place to eradicate errors on a sustainable basis.
• Provide Branch leadership with an update on all identified risks and controls ensuring a level of comfort through effective risk management.
• Conduct Control Effectiveness Assessments (CEA) as required and report on trends, overall status and collaborate with and enable outlet staff to close any gaps identified.
• Facilitate and support corrective actions on Management Assurance Review (and other assurance provider) findings.
• Track, monitor and control the closing of all open CEA and Assurance findings.
• Compliance / Product / Regulatory Training – Ensure the staff complete the required training by the stipulated timelines.
• Management/Exception Control Listings – Extract, scrutinize and action as per laid down procedures i.e. Same day pass rate, high risk transactions, fee waivers, etc.
• Operations Management System (OMS) - The key controls need to be assessed based on whether they are working as intended or suitable for the purpose they are designed for.  For any ineffective or lapse in the controls, remedial action needs to be taken and tracked until closure via OMS.

Accountability:  Branch Operations

• Software Releases – Keep abreast of up and coming system enhancements/production fixes, ensure that the quick reference guide is socialized with the colleagues and fully embedded.
• Ensure all branch security requirements are fully functional and coordinate all related support activities and controls, e.g. DVR.
• Align and implement physical security minimum standards as identified by Africa Security.
• Act as the entry point for all 3rd Party Vendors inclusive of tracking and managing of all service calls logged for software and hardware faults (i.e. CRES, IT, Provincial Offices, etc.).
• Ensure that the services provided by internal business units / processing centres / 3rd Party vendors are delivered as per the service level agreements.
• Initiate and implement cost-saving initiatives for example replacing of old equipment, monitoring of the cost of equipment and highlighting to line managers where costs are out of line.
• Validate the legality of all payments and journals by ensuring that the invoices are correct and has been authorised by the stipulated mandated officials.
• Be a Change Agent and ensure old behaviours or practices are replaced and in line with new requirements.
• Drive a culture of proactive risk and compliance management within the branch by clear communication, information sharing sessions and regular monitoring to ensure that the staff understand their responsibilities.
• Support Line Management with coaching of new staff on operational processes, systems, devices, risk and compliance.
• Analyse and monitor the overall risk management process for the branch through proactively identifying and reporting trends, recommending remedial action where appropriate.
• Responsible for reporting risk profile, RCA and actions for escalation to Regional risk forum.
• Ensure a sound risk and control environment is maintained within all SBUs in the branch.
• Create, Maintain user profiles as and when required and ensure alignment to the paper mandate and standard guidelines.
• Enforce and maintain appropriate segregation of duties between roles, functions and system capabilities as part mandate and user access management.
• Accountability:  Branch Support
• Coordinate and arrange all requests for system access business equipment (e.g. computer, laptop, cellphone, 3G and desk phone) for new recruits and recovery and contract cancellations for employees exiting or moving (where appropriate) within the organization.
• Establish, update and maintain a branch infrastructure record.
• Responsible for the co-ordination and fitting arrangements related to all Corporate Wear activities.
• Manage the stationery supplies and order levels appropriately for the branch and ensure controlled distribution.
• Where applicable, acts as the back up to the Branch Manager in smaller branches.
• Engage and partner with Branch Manager to close any procedural, capacity gaps and/or process/control failures identified in branches.
• Attend morning Imbizo’s, relevant meetings and actively engage on branch operational performance.
• Gather and analyse data, monitor trends and provide advice and/or solutions to Branch Manager.
• Make recommendations to branch/outlet Manager and put plans in place to ensure optimal capacity management and control.
• Act as the branch subject matter expert (SME) on all branch controls and operations by supporting branch management via Colleague coaching.
• Support Business Support team with tracking of system enhancements (new/upgrades) and ensure problems are logged, escalated to the relevant stakeholders and monitored until completion.
• Ensure branch readiness for system upgrades during software release windows (e.g. all device
• to remain on overnight, ensure software appropriately update, escalate failures, etc)
• Acts as the Center of Excellence (CoE) in the branch in terms of business risk and assurance requirements, ensuring alignment of new/revised processes, procedures and controls.
• Engage effectively with peers to ensure that the best practices from other branches are being taken into consideration and implemented.

Education

• Higher Certificate: Banking, National Senior Certificate/ Matric (Grade 12)
   

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Job Summary

• Support Group Finance Management (FM) with Data and information expertise; liaise with business SMEs, Solution Architects, Data Engineers, and other data specialists in the realm of Data Platforms, Data Management, Data Architecture and Data Engineering.  This role will ensure that BAU processes and Strategic Initiatives within Finance Management adheres to the Group Data & Records Management Policies.

Job Description

Key accountabilities

• Establish data development patterns and best practices via examples and POCs
• Ensures that data solutions adhere to common set of principles and patterns and utilize a standard set of technology frameworks and libraries.
• Provides guidance in the PMO community to ensure solutions are built in alignment with Data Management principles and standards.
• Lead and mentor Data Analysts
• Develops “cloud-first” solutions that are inherently secure, flexible, scalable, modular and API-centric.
• Influences data platform/technology selection for Group Finance and Group Risk.
• Guide FM with regards to ethical handling of data in the organization.
• Monitor and guide policy compliance, data usage, and management activities.
• Design structures and plans to meet the current and long-term data requirements of the enterprise.
• Strategically prepare organizations to quickly evolve their processes and data solutions to take advantage of business opportunities inherent in emerging technologies.
• Create conceptual data models, logical data models and physical data models
• Document process diagrams, data lineage and data flow diagrams
• Work with data owners and data stewards to ensure the integrity of data assets.
• Assist business to adhere to relevant data privacy and information security regulations and policies.
• Develop a governed approach to make data fit for purpose based on data consumers’ / business requirements.
• Define and implement processes to measure, monitor, and report on data quality levels.

Education

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

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Job Summary

• To provide support to the business through the development and maintenance of accurate information and the analysis of available information. To provide valuable insights for strategic decision making and accurate information for day-to-day operational management.

Job Description

Key Accountabilities 
Accountability:  Data Management Processes 

• Deliver key strategic data projects following the data standards and principles. This includes performing tasks in the data delivery lifecycle i.e identifying data sources, analysis and interpreting data, data mapping, development (coding and scripting), testing, performing releases, and documenting project deliverables. 
• Developing data mappings, scripts, packages, and interpreting data code to deliver solutions 
• Provide support to ensure data services are running as per service level agreements. Escalate non-adherence through the relevant channels within SLA context. 
• Source information from different data warehouses, data marts, manual systems and on-line systems based on knowledge of appropriate data sources given the business requirement 
• Collect and package data into usable and user friendly management information for the relevant teams and stakeholders in the business 
• Develop new reports, report formats and standards based on identified user requirements for the business, using multiple technologies 
• Analyse derived information to create value add understanding of insights and opportunities presented by the data set 
• Prepare customised reports based on identified requirements from the business at large 
• Develop regular performance reports particularly related to needs of the business sales force to aid performance measurement and management. 
• Continuously identify opportunities to automate reports and to eliminate duplicate and manual report production 
• Stakeholder management: Maintain professional relationships with stakeholders ensuring continuous communication and managing expectations. 
• Embrace the value of Big Data, Advanced Analytics, Reporting tools, mergers and acquisitions, and partnerships into the core of our business. 

Accountability:  Stakeholders

• ​Develop a thorough understanding of the key business challenges through engagement with all stakeholders in the business 
• Develop a thorough understanding of the key business challenges through engagement with all stakeholders in the business
• Identify opportunities through which Analytics and new technology developments can assist in addressing these challenges, present these to relevant stakeholders and implement 
• Identify business opportunities in support of the business sales initiatives through analysis of the business management information and management information that may reside outside the business. 
• Assist stakeholders in developing business cases for new products by providing relevant information to support identified business opportunities. Ensure that the management information input in business cases is credible by ensuring accuracy of the data used 
• Analyse trends within the business data to reduce risks, optimise performance of the business and inform People Function decisions. 

Accountability:  Governance and control 

• Conduct integrity checks on all extracted data to ensure correct data is incorporated into reports 
• Ensure the accuracy of data within the business and ensure consistent use of data 
• Escalate data integrity issues to relevant Manager / Data Management ensure that these receive priority to maintain a high-level of data integrity. 
• Check all existing and new reports for accuracy and data integrity 

Accountability:  Business partnering 

• Build effective working relationships with business stakeholders to develop a detailed understanding of their business imperatives and objectives. 
• Maintain an interactive process with stakeholders as the analytical solution is being developed - present and receive feedback on work-in-progress. 
• Perform a consultancy role with business stakeholders. Present the final analytical outputs to stakeholders and assist in interpreting the results and providing advice & recommendations on the implementation of actions. 
• Educate users where required on the design or how to utilise the solution. 
• Engage with the business teams on an ongoing basis to understand management information needs and sensitise them to any relevant existing reports or management information outputs that will result in value add opportunities in their respective areas 
• Conduct impact analysis of any proposed changes that will impact on management information reporting 
• Actively engage and participate in new initiatives within the business to ensure that the management information component is addressed 
• Engage with other key stakeholders within the Group to ensure that the business leverages off what is available and are aware of initiatives in the group that may impact on the business 

Accountability:  Continuous self-development and growth 

• Stay abreast of knowledge and skills relevant to the level and area of work, as well as actively seeking to attain those required for the next level of work with particular focus on best practices 
• Continuously enhance the business expertise by analysing its drivers, key indicators, relationships and trends. 
• Consider all influencing events, quantify the impact on the business and pro-actively find solutions 
• Develop a thorough knowledge of various systems and related reporting including ability to build / adjust reports within Workday. 

Additional Job Description 

• Bachelor's Degree in Computer Science, Information Science, Informatics, Engineering, or Actuarial Science (Technical) experience
• Min 3-5 years in a Business Intelligence environment
• Good knowledge of Hadoop architecture and design, SQL (Structured Language Query), Analyses Services, SAS.
• Exposure to Machine Learning and knowledge of  Hive, Scala, Python or other open-source data integration technologies.
• Good understanding of operating systems like UNIX, LINUX and other open source solutions.
• Experience in database technologies ( Hadoop, Oracle and SQL) and reporting layer tools (Qlikview, Power BI SAS Visual Analytics, Tableau) and
• Experience in data analysis, extraction, and data transformation
• Exposure to a strategic Intelligence environment
• Experience in financial services.

Education

• Bachelor's Degree: Information Technology
   

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Job Summary

Generic Summary 

• To provide investment advice and support in practice formulation and associated best practice improvement tactics; enabling the provision of specialist investment analysis expertise.
• Authorisations Specialist Role in Consumer Issuing
• An exciting role that focuses on creating efficiencies around payment authorisations.
• The Authorisations process is critical for the functioning of credit and debit cards. Efficient authorisations enable the customer experience for card users using their cards to transact at a physical point of sale or online (e-commerce) sites. It provides the Issuer with an opportunity to approve or reject card transactions either due to insufficient funds to manage credit risk or fraud. The Authorisations function requires in-depth understanding of the Card systems environment from an Issuing and Acquiring point of view to enable management of exceptions and to identify root causes of authorization failures in order to resolve customer queries and complaints and industry incidents. 
• This role will be focused on managing existing authorisations processes, incidents and resolving queries and complaints. It is complementary to the existing role of the Authorisations specialist which is currently focused on Authorisations improvements to ensure compliance to industry and schemes mandates and improve risk management, operational efficiency and the customer experience.

Job Description

Generic Job Description

• Business Management: Coordinate efforts of different operational areas under management to deliver efficient optimised operations and maximisation of value | Risk and Control: Ensure that processes, control requirements and risk management frameworks that impact the area are documented and understood | Business Performance: Set annual financial targets for the business areas and drive achievements of those targets | Client Service: Ensure that client experience and expectations are of the highest quality
• Authorisation Specialist in Consumer Issuing

KEY RESPONSIBILITIES:

• Analyse operational reports for authorisations to identify exceptions, carry out root cause analysis and resolve the identified issues causing the exceptions
• Receive and be the first point of escalation for customer queries and complaints relating to authorisations for debit and credit cards
• Log risk events as required for tracking and resolution of operational risk issues
• Communicate with the technology teams, product teams, customer service teams, fraud strategy, risk and compliance, payments and finance teams to raise and resolve authorisations issues.
• Work with the Product and technology team to ensure efficiency and effectiveness in the authorisations function by performing analysis to assess the need for any requested changes as well as their potential impact.
• Provide subject matter expertise for new products, enhancements and any projects and initiatives which impact the authorisations function.
• Ensure that colleagues and third parties are familiar with all business processes and policies impacting on the authoriations functions including Card Schemes bulletins.
• Measure and monitor the authorisation issues in terms of number of exceptions, root cause analysis and themes, losses and write-offs, produce reports and makes recommendations
• Provide market intelligence and periodic competitor analysis i.e. bench-marking with other industry players in terms of authorisations incidents and provide recommendations on required system and process changes to ensure that Absa Card remains competitive in terms of authorisations performance.
• Participate in the Card Issuing Risk forum and provide updates on risk events and issues impacting on authorisations.
• Work with the Payments team and industry representatives as well as legal and compliance colleagues to ensure that the authorisations function enables Absa to comply with relevant legislation, rules, regulations and industry standards.

Education

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

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Job Summary

• To provide analytical support to the Transactional banking business in the for of MI reports, Campaign Analytics and data insights.

Job Description

• Responsible for a portion of the data and analytics within the Transactional Banking business and will report to the Head of Data & Analytics for Transactional Banking.
• Responsible for leading a team of data analyst to ensure high quality, on time deliverables, but will not necessarily have any direct reports.
• Will be regarded as data and analytics lead for responsible area.
• Deliverables include management information reports, campaign analytics as well as business insights.
• The ability to provide insights to inform business strategy, campaign strategy and customer value proposition, is of paramount importance.
• Requires ability to translate analytical insights into business value.
• Requires adaptability to fast-paced environment.

Education

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

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Job Summary

• To ensure that credit applications approvals are of an acceptable risk and appropriate quality and conform to the Absa Credit’s  lending policy and that the applications are timeously packaged and approved.

Job Description

Accountability:  

• Liaise with Business Development Officer (BDO), clients and any other stakeholders to understand the process or requirements of credit applications for all clients concerned.
• Conduct research on the industry in which the client operates to understand the industries overall profitability, industry trends and client's market standing relative to its competitors.
• Perform robust financial and non-financial analysis on the client that will support and underpin all new proposals for commercial asset finance in terms of the clients' credit risk implications.
• Make use of clients' historical data for example, its financial statements to forecast the clients’ potential growth and sustainability. Conduct a sensitivity/scenario analysis to determine the impact that a change in, for example the economy, political situation, consumer demand etc. will have on the clients’ financial health.
• Based on analysis conducted structure a commercial asset finance lending solution for the client, that will account for the potential threats to the client and that is within set credit limits and the Bank's credit lending policies and appetite.
• Compile a proposal which summarises, the clients’ background and commercial asset finance needs, the research findings and the final recommendation on which commercial asset finance credit lending solution is best for the client, for the Credit Manager to approve in the interim and escalate further for the necessary approval.
• Facilitate the commercial asset finance credit sanctioning process by responding to sanctioned enquiries and/or attending all relevant Credit Committee meetings in order to present and sponsor commercial asset finance credit applications that have been submitted under your signature.
• Produce relevant management information and manage exposures including the maintenance of the relevant systems
• Pro-actively manage credit risks associated with the commercial asset finance importation transactions.
• Compile commercial asset finance reviews, amendments and new applications to the appropriate lending authorities.
• Request of valuations on movable and immovable assets which serve as security for commercial asset finance facilities.
• Gather financial information (financial statements, cash flows) to support application from client where necessary, from internal and external sources.
• Utilise applicable software to assess client financial information and submit financials through to Remote Balance sheet Extraction Unit (RBEU) prior to updating a WEBICA, or use the Business Alliance Support team.
• Include the product specialist report (needs, research findings and final recommendation) as provided by BDO and include in the WEBICA application.
• Where the client's application is supported, motivate such a recommendation and forward the credit application to ABB credit for sanctioning on WEBICA.
• Monitor credit lines on a continuous basis and ensure formal reviews at specified time intervals or arrange extension.

Accountability:  Relationship Management

• Liaise with Sales persons and BDO consultants / or clients in order to achieve acceptable levels of approved credit facilities.
• Liaise with group legal and prepare relevant master agreements for signature by client

Accountability:  Compliance

• Ensure that all of the Bank’s credit policies and philosophy are fully complied with at all times, and that any policy breaches have been suitably addressed and mitigated against.
• Ensure adherence to Absa Retail Business Bank Credit Policy and other relevant legislation, for example during the application preparation process.
• Ensure adherence to commercial asset finance target market criteria and that all deviations is suitably addressed and mitigated against.

 Accountability:  Reporting

• Communicate to BDO Consultants the credit committee's decision either through e-mail or a written document where required.
• Provide weekly status report to the Regional Managers indicating completed, work-in-progress and pending credit applications as well as approval ratio.

 Accountability: Account and facility pay-out processing 

• Act as a point of telephony contact to the customer and dealer in the Fit for Processing process
• Prepare or update (if existing loan) documents and files to ensure that the necessary enquiries such as Financial Intelligence Centre Act (FICA) and Customer Acceptance Screening Application (CASA) can be made and updated
• Capture leads and update status on SAP system or related system or create a new account for a non RBB customer, and load lead on Customer One.
• Communicate all relevant information to BDO.
• Follow up on faulty or outstanding security documents and drive the rectification process.  
• Perform a compliance check that the customer is CASA/FICA compliant. If all the details are found to be up to date, continue with the fit for processing function. If the details are not up to date and the customer is found to be non- compliant, then inform the relevant BDO who must obtain all needed documentation to ensure FICA/CASA compliance.
• Prepare facility letters/ commitment letters with term sheets and loan agreements in accordance with credit approval requirements.
• Capture the deal on SAP once a signed facility letter is received and submit the complete pack needed for processing through to the Processing Centre.
• Prepared contracts and securities by the Processing centre must be printed through the Websphere system.
• Printed or electronic documents must be send through to the BDO to obtain signatures, and once returned, must be send through to the processing centre for validation and pay-out.
• Ensure that the original facility letter, securities and insurance confirmation are received and finalised for file archiving.
• Original documents that have been filed must be sent through to Group Operations while copies that are filed are retained in the client file that is sent through to the CAF Help desk.
• Original securities must be sent through to the PC
• Access the ABSA SMS system to check existing securities that are on record for an existing RBB customer

Accountability: Risk and Control

• Work with the team to achieve sales and service goals by completing quality checks within set service standards. Assist the team of Consultants to obtain operational rigour in all aspects of processes undertaken through regular coaching on Know Your Customer /Customer Acceptance Screening Application matters.
• Responsible for the contents of the facility letter
• Validate and complete all fit for pay-out documents and compliance
• Retain and complete all original documentation needed to fulfil pay-out on a transaction
• Accurately capture all information and ensure that all MI is of a high standard and quality.
• Interact with the compliance team on a regular basis to obtain updates on the requirements and to share information.

Education

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

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Job Summary

• Provide complex advice and support in the positioning of operating models and frameworks in a broadly defined business functional strategy to enable and develop the Talent Acquisition practice to international best practice status.

Job Description

• Stakeholder Management: Build relationships with and gain an understanding of what drives the business by engaging effectively with business stakeholders and internal business partners (i.e. Reward, HR, Candidates, internal clients and internal and external vendors/suppliers)to drive the ABSA Human Capital Development experience.
• Be a trusted advisor and strategic partner by delivering the basics consistently well and adding value to the business Challenge the thinking of the business when appropriate in terms of their resourcing strategy.
• Build relationships vertically and horizontally in Resourcing.
• Effectively manage and engage external PSL and recruitment agencies Manage agency and third party spend Manage channel usage, targets and agency utilisation Partner with HRBP’s and Hiring Managers in the recruitment of Specialist positions Lead and coordinated to end Talent Acquisition services to the business and be accountable for proactively communicating and updating key stakeholders Agree service levels with business areas/HR Leads/HRBP’s and ensure that Talent Acquisition service provided to the business areas complies with internal operating levels between Business and Resourcing.
• Liaise with BU Stakeholders across ABSA Africa in order to gain a comprehensive view of their core business, strategic objectives, employee value proposition and culture and using this understanding and interaction to drive the placement of the right candidate with the right skill and ability to thrive in the relevant environment
• Provide regular feedback to cluster Resourcing Head, Cluster HR Heads and BU Leaders on the Resourcing scorecard.
• Drive Excellence within the Resourcing Team | Talent acquisition and selection: Define and ensure implementation of innovative sourcing strategies that will enable the establishment of a diverse pool of talent geared to meet the evolving needs of the Cluster Workforce Plan.
• Proactively explore all available channels and processes to build diverse pools of talent across Africa.
• Develop and drive a cost saving resourcing strategy for the Cluster and proactively explore solutions which will decrease the dependency on external resourcing partners by implementing creative direct to market talent capturing solutions; i.e. Headhunting, Talent Mapping, establishing candidate data base, advertising on web based job search sites, researching competitors, building industry networks, attending industry specific events and fairs, partnering with Government Labour Agencies, tapping into Global networks etc.
• Manage the delivery of search strategies designed to recruit senior and niche candidates.
• Partner with Group Talent to deliver an increased capability for internal mobility by ensuring that internal candidates are considered before moving to external sourcing solutions.
• Engage in recruitment for senior level positions for the relevant Cluster’s Participate in interviews on request for key roles
• Ensure that the recruitment and selection of senior leaders takes place according to policy and governance Assess candidates to ensure cultural fit for the Group, values alignment, long term potential, and technical fit for roles, setting realistic role expectations before presenting candidates to Business;
• Advise hiring managers on which candidates to progress to the next stage, ensuring the right recruitment decisions are made, challenging the business’ recommendations as required Work with Cluster head to compile high reward package offers and buy-outs Assisting in the negotiation of release dates and backfill requirements where applicable.
• Ensure timely on-boarding of senior hires and adherence to onboarding policies and procedures Identification of critical senior vacancies – build proactive pipelines Agree transformation plans with the Cluster seniors including targets and timelines Scan the external market to understand future challenges and ensure that the team is resourced to deal with multiple and often contradicting scenarios across the African Continents.
• Drive the Group’s transformation agenda Together with HR Heads, identify key senior roles for succession planning in the portfolios
• Delivery: Bring the best talent, at the right time, at the right cost, at the right place and gain our unfair share of the talent market.
• Develop a cost effective Talent Acquisition strategy
• Deliver on the basics consistently by overcoming challenges.
• Meet and exceed clients resourcing expectations Providing reporting in terms of Management Information to the resourcing team and to internal clients.
• Ensure the Resourcing team provides quality and timely MI via the recruitment system Agree the overall metrics for Talent Acquisition with internal partners and clients i.e. time to fill, quality and cost.
• Analysis, interpretation and distribution of monthly/quarterly/annual resourcing strategy, demand planning/forecasting and associated costs.
• Contribute to the completion of forecasted recruitment demand/MTP working with the business and HRBP’s.
• Deliver on the Go to and One HR strategy. Build diverse talent pools by proactively exploring all channels and processes 
• Leadership: Build the teams capability through, but not limited to, acquiring the right talent, succession planning, team performance development, team motivation acquiring the right talent and being accountable for the team structure and architecture to enable delivery.
• Translate vision and strategy into tactical goals.
• Apply situational Leadership principles when managing team and others.
• Gain an understanding of your people and play to their strengths.
• Wear the right hat at the right time. (have the resourcing view, as well as the business view -be a business person who specializes in resourcing)

Education

• Bachelors Degree and Professional Qualifications: Human and Social Studies (Required)
   

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Job Summary

• The Investment Communication Lead will be responsible for building and executing a distinctive communication and investment content strategy that supports and delivers the Absa Investment Solutions strategy. This will include the conceptualisation and compilation of investment-related marketing and communication material to support various distribution and marketing, including PR activities, of the Absa Investment Solutions team.

Job Description

Conceptualisation and implementation of investment communication strategy

• Develop and implement an integrated investment communication strategy for Absa Investment Solutions that will include internal and external communication, public relations, and content management. 
• Serve as the liaison for communications, content and public relations requirements between the business and external suppliers, and work with the respective Absa marketing teams.
• Align the communication efforts to support new business and client retention strategies and work closely with the responsible marketing teams in these areas.
• Proactively seek and recommend opportunities that will benefit the development of the overall Investment Solutions brand using communication and public relations strategies.
• Act as brand custodian and ensure the implementation and adherence to the Absa Africa brand. 
• Develop and manage key relationships with various marketing and communication teams and key external suppliers and stakeholders. 
• Manage the communication budget and prioritise projects.
• Play a key role within the broader marketing and communication team and provide input into the overall brand strategy of the business.  

Conceptualisation and compilation of investment collateral

• The Investment Communication Lead will be responsible for the conceptualisation and compilation of investment-related marketing and communication material with input from key stakeholders (Advisory Framework, Product Accreditation, Investment Product & Distribution Support and Research).
• The Investment Communication Lead will work closely with the custodians of the various distribution channels (Wealth, Investments, Private Bank and AIFA) by identifying and developing appropriate investment-related marketing materials. The role holder will ensure the timely distribution of all investment material both internally (distribution channels) and externally (clients).
• The role holder will be expected to keep abreast of the different types of Absa marketing material which could be used in a South African context.

Conceptualisation and compilation of investment content for the following:

• Client-facing electronic investment communications
• Proactively initiate and develop public content (thought leadership, insights, media releases, media notes, etc), as well as ways to build relationships between key spokespeople and the media. 
• Assist key stakeholders with the compilation of investment-related thought leadership articles intended for the media
• Compile content for the Absa Investment Solutions business initiatives - product brochures, regular houseview update and sales aides
• Compile ad-hoc investment content to support distribution activity
• Compile investment content to support various digital strategies

Education

• Bachelor`s Degrees and Advanced Diplomas: Communication Studies and Language (Required)

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Job Summary

• The primary responsibility is to originate and structure BEE transactions for funding within the Absa CIB Growth Capital Solution unit (transactions of +-R200m to +- R2bn across sectors).  The candidate will be accountable to source leads, review complex financial models, structure and prepare Credit origination packs and motivate same for approval by the various approval and Credit Committees of the Bank. The role entails undertaking overall end-to-end project management of transactions as well as actively collaborating with different Business Units to speedily close transactions; stakeholder management: ability to cultivate, build and manage relationships with key stakeholders (internal and external), including with DFI’s.

Job Description

• The candidate must have broad networks in the business, political and BEE sectors and a strong demonstrable record of consistently driving high sales targets and successfully executing on deals.
• S/he Must have at least 7 years Banking experience with a minimum 10 years of proven end-to-end deal-making competencies, specifically in the Leveraged Finance/BEE/M&A/Corporate Finance area, with a good understanding of the relevant funding structures applicable in the BEE/M&A environment (e.g. Pref, NewCo, Mezz).
• Requires good credit skills, strong financial analytical skills and an understanding of the relevant applicable legislation - company Act/tax/Preference shares/BEE Codes, amongst others.
• Must possess a good understanding of banking and a suite of banking products (term loans, prefs, mezz,  working capital, trade, FX, etc).
• The candidate must have the resilience and ability to work under pressure,  be proactive, self-starter, team player, well-rounded individual who is conscious and sensitive to the political, social and economic landscape around them. Suited to a BCom/MBA/CA or similar.

Education

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