Careers at Absa Group Limited (Absa)

Job Summary

• Deliver day-to-day knowledge work, in order to execute predefined objectives as per agreed standard operating procedures (SOPs).

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 (Required)

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Job Summary

• Deliver day-to-day knowledge work, in order to execute predefined objectives as per agreed standard operating procedures (SOPs).

Job Description

• Achievement of Sales targets: Manage dealer achievement of sales targets through use of incentive schemes and Management Information from internal and external sources. | Retain and Improve relationships with Dealers: Discuss AVAF Customer Value Proposition (CVP) during regular relationship meetings and visits to Dealers and Dealer Principals to enhance the brand awareness. | Deal Facilitation : Handle all customer interactions professionally and efficiently | Conversions of non-friendly Dealers: Identify non-friendly Dealers through the tracking of business volumes and determine and address reasons for nonfriendliness by using the retention process to manage non-friendly dealers. | Value added products: Contract VAP achievement with Dealers and F&I's by linking counter performance on VAP's of Dealers and F & I's to the DIC pay-out

Education

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

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Job Summary

• Apply critical thinking & problem solving skills to contribute to all phases of the development lifecycle & quickly produce well-organised, optimized, and documented source code to deliver high-performing, scalable, enterprise-grade applications.

Job Description

DevOps

• Apply critical thinking, design thinking and problem solving skills in an agile team environment to solve technical problems (Front End, Back End OR Middleware) with high quality solutions
• Contribute to all phases of the development lifecycle including
• Evaluate analysis, problem definition, business requirements, solution development & provide recommendations to enable the operational feasibility of solutions
• Quickly produce well-organised, optimized, and documented source code to deliver technical solutions
• Ensure designs & solutions support the technical organisation principles of self-service, repeatability, testability, scalability & resilience
• Apply general design patterns and paradigms to deliver technical solutions
• Support the development of CI / CD Pipelines (authoring & supporting CI/CD pipelines in Jenkins / similar tools and deploying to multi-site Kubernetes environments – supporting and managing your applications all the way to production)
• Use & configure modern observability techniques leveraging e.g. aggregated logging via ELK stack, metrics via Prometheus / Grafana / NewRElic and tracing using Zipkin/Jaeger
• Automate tasks through appropriate tools and scripting e.g. Jenkins, Docker, Ansible, Kubernetes
• Debug existing source code and polish feature sets.
• Work with integrated teams and other developers to improve and evolve technical products and services
• Align all application development & development process to Group Architecture & Infrastructure guidelines
• Provide input into project & program teams (when required) to plan & manage the development lifecycle e.g. releases, risk management, testing, integration etc.
• Conduct 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 cross domain and other experiences e.g. Secure Side, Testing, Infrastructure solutions etc.

People

• Conduct peer reviews, testing, problem solving within and across the broader team
• Support the people change teams in the development of user material (Customer, Employee & 3rd Party Adoption)

Risk & Governance

• Identify technical risks and mitigate these (pre, during & post release)
• Update / Design all application documentation aligned to the organization technical standards and risk / governance frameworks
• 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

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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

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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. operations management methodology, governance and delivery objectives.

Job Description

• Functional management: Set and execute the tactical strategy, plan the resource requirements for the business area, negotiate and secure its allocation and ensure delivery based on the agreed business targets | Operational Excellence: Oversee the design, implementation, maintenance and continuous improvement of operational activities | Change and programme management: Ensure the implementation of change programmes aimed at driving business strategy and improving operational efficiency | Business Risk and Compliance Management: Ensure the implementation of, and conformance to, Group Risk and Compliance requirements within the operating environment, in line with set risk appetite | Stakeholder Management: Actively promote and manage the collaborative engagement of internal and external stakeholders, including suppliers, clients, service providers, business partners and other Absa entities | People Management: Coach, mentor and manage team members toward driving business objectives and ensuring colleague development | Governance: Ensure the fulfilment of all required governance activities, including tracking and reporting

Education

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

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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. Manage a diverse team of Project specialists

Job Description

• Programme Management: Ensure appropriate management of respective programmes/projects within the Portfolio that includes but not limited to supplier engagements, portfolio performance management, reporting and executing of requirements and managing projects with the intention of improving the organizations strategic performance. Ensure that timelines are met.| Risk Management: Ensure that praogrammes/projects adhere to the required risk management standards. | People Management: Coach, mentor and manage team members toward driving business objectives and ensuring colleague development (where applicable). Manage team in such a way that deadlines are met.
• Experience 7-10 years Project and Programme Management, Industry experience in Financial Services and Banking.
• Qualification: Bachelors Degree and Post Graduate Diploma. High Proficiency in all Microsoft Packages.

Education

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

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Job Summary

• We are seeking a motivated and experienced Coverage Banker to focus on the Money Remitter sector within the Non-Bank Financial Institutions Coverage team at Absa Corporate and Investment Bank.
• The Corporate Banker will play a crucial role in building and managing relationships with Money Remitter clients, driving sales growth, and promoting our financial products and services tailored to their unique needs both in SA.
• The ideal candidate will have a deep understanding of the MSB industry, exceptional sales and relationship-building skills, and a proven track record in achieving sales targets.
• Knowledge of the payments framework and compliance requirements for the sector would be beneficial.
• The role will entail developing and nurturing strong relationships with MSB clients, understanding their business models, financial needs, and compliance and regulatory requirements.
• Serve as the primary point of contact for MSB clients, identify sales opportunities within the MSB sector and develop effective strategies to achieve sales targets and revenue growth, including partnership opportunities.
• The banker will be responsible for understanding, managing and mitigating the risks within the MSB sector.
• The banker must maintain a deep understanding of the MSB industry landscape, regulatory changes, and market trends that impact the financial needs of MSB and provide strategic insights and guidance to both clients and internal teams on industry developments.

Job Description

Education

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

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Job Summary

• We are seeking a dynamic and results-driven head of FinTech Coverage to manage our sales strategy for the FinTech sector within the Non-Bank Financial Institutions Coverage team at Absa Corporate and Investment Bank.
• The ideal candidate will possess a deep understanding of the financial technology landscape, a proven track record of driving sales growth, and exceptional leadership skills.
• The Head of FinTech Sales will play a pivotal role in defining and executing our sales strategies, building and nurturing client relationships, and driving revenue through the promotion of our banking solutions, partnership relationships and managing FinTech clients through the lifecycle, and proposing a credit .
• The incumbent will be responsible to build a framework for cross-functional team collaboration to develop innovative banking solutions and assist in building a clear defined strategy for partnership across the wider Banking group.
• The Sector Head will act as the sector expert on the Fintech sector, and is required to stay abreast of industry trends, regulatory changes, and technological advancements in the FinTech sector to provide strategic insights for the organization.
• The Sector Head will define a strategy for Money Remittance business, and accountable for a Coverage banker responsible for the sub-sector.
• The incumbent will cultivate and maintain strong relationships with existing and potential clients, understanding their unique needs and tailoring solutions to meet their requirements.
• The ideal candidate will have a deep understanding of the regulatory framework and risk management of the sector, including exposure to credit.

Job Description

Education

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

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Job Summary

Overall job purpose

• Management of complex actuarial production processes to deliver sound management of business performance and financial risk.

Job Description

Key accountabilities

• Analytics to ensure accurate financial reporting and support management decision making
• Preparation and analysis of data as inputs to actuarial calculations where required
• Production of management information
• Production of actuarial exercises such as Embedded Value and Value of New Business reporting under the IFRS17 framework, this entails coordinating inputs from the various BAU’s.
• Analysis and reporting of policyholder liabilities under the IFRS17 framework, this entails coordinating inputs from the various BAU’s.
• Refine existing AoS/AoEV processes to be appropriate for reporting under the IFRS17 framework
• Running models to ensure accurate financial reporting and support management decision making at an advanced level
• Periodic experience monitoring and development of underlying models when required
• Development of and maintenance of advanced spreadsheet models
• Development of and maintenance of actuarial open platform software complex models
• Perform independent review and provide actuarial opinions to ensure accuracy of outputs for sound business decision making and ensuring a robust control environment
• Coordination of a committee / forum to enable business and risk management execution and oversight for a sound control environment
• Draft papers for committees on results and present to those committees
• Understand and deliver requirements of internal stakeholders, within the same business unit e.g. Finance Control
• Understand and deliver requirements of internal stakeholders, not within the same business unit i.e. Risk, Group
• Collaboration with and deliver requirements for external stakeholders i.e. head of actuarial control function (HAF), auditors, cell captive businesses etc.
• 1st line quality / assurance review and checking (to ensure accuracy of outputs for sound business decision making and ensuring a robust control environment).
• People management responsibilities (to support talent development and business resilience): Two direct reports

Education

• Bachelor's Degree: Actuarial Science
• Close to completion of Actuarial Examinations i.e. at least 12 exams

Experience

• +- 5 years’ experience in corporate actuarial life office valuations and reporting
• Preference will be given to EE candidates who are closely qualified or newly qualified Fellows of the Actuarial Society of South Africa (or equivalent recognized body)
• Exposure to the IFRS17 reporting framework will also be beneficial to applicants

Education

• Bachelor's Degree: Actuarial Science

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Job Summary

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

Job Description

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

Education

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

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Job Summary

• Responsible for supporting the Head of Wholesale, Retail and Franchise to position Absa as the preferred financial services provider in South Africa through thought leadership and interaction with relevant industry stakeholders and providing sector specific solutions by engaging with Coverage, Product, Credit and other SBUs within Absa. Further also to assist internal stakeholders to optimise client engagements and revenue growth as well as informing risk mitigation activities.

Job Description

Accountability:  Industry Excellence

• Investigate and stay abreast of all financial related products and solutions on offer to clients within the assigned industry.
• Identify and analyse opportunities and risks through interaction with strategic role players and stakeholders within the assigned industry/sector and provide ideas for new solutions and offerings to unlock the opportunity or fill the gaps.
• Identify Sector specific Products and/or Solutions that need to be developed, enhanced or bundled. This is done by conducting a Sectoral Client Needs Analysis, a Product/Solutions Gap Analysis for existing Products and a Solutions and Product Options Analysis.
• Assist Regional Relationship Executives with sector specific industry knowledge and expertise in preparation or during client engagement.
• Share best practice, trends and key learnings with peer group and management team within Centre of Excellence Franchise & Retail Sector Africa
• Identify opportunities within the sectoral industry value chain for growth opportunities, cross-selling and new innovation or solutioning opportunities.
• Identify strategic sub-sectors/brands within the sector in order to identify growth opportunities and risks.

Accountability:  Develop new Sector Specific Product and Potential Product or Solution Enhancements (Best Practises)

• Identify Sector specific Products and/or Solutions that need to be developed, enhanced or bundled. This is done by conducting a Sectoral Client Needs Analysis, a Product/Solutions Gap Analysis for existing Products and a Solutions and Product Options Analysis.
• Assist with the facilitation of interaction with impacted stakeholders to obtain all of the necessary information conduct the feasibility studies.
• Provide input to Product to compile and submit business cases for approval by the relevant New Product Approval committee.
• Engage with Product Specialists and Subject Matter Experts to ensure appropriate support during Sector specific product roll-out and execution of any marketing and communications campaigns.  

Accountability:  Lead Generation and Cross Selling

• Obtain lists of potential clients through interactions with various key industry stakeholders.
• Support the development and roll out of new business acquisition campaigns.
• Compile and submit a list of leads to Business Bank.
• Support the development and roll out of Cross Sell and Retention campaigns.
• Identify Sector/Brand specific Cross Selling opportunities by conducting a Gap Analysis of current Products used by Sectoral clients against typical Sector specific Products.
• Compile and submit a report detailing all of the possible Sector Cross Selling opportunities to Business Bank.
• Obtain regular feedback from regional managers on the successes or failures of the Cross Selling opportunities previously identified.

 Accountability:  Financial Performance (Book Analysis)

• Monitor and provide insights into the financial performance of the assigned Industry and Brands
• Assist in setting and monitoring industry specific financial targets
• Provide guidance and input with respect to poor performing clients/accounts with the goal of assisting to nurture them back to acceptable levels.
• Analyse industry/brand specific impairments and identify early warning signs for disastrous situations before they actually occur. Provide support, guidance and advice during the disaster situations to minimise the impact on Absa.

Accountability:  Networking & Relationship Building

• Build and maintain productive relationships with industry role players and other key stakeholders (both internally and externally)
• Develop comprehensive client relationship management plans for all key industry stakeholders.
• Develop and maintain database of all relevant external and internal stakeholders
• Identify opportunities to share information with external stakeholders (thought leadership)
• Provide regular updates to the Business Bank on the solutioning and business enablement activities as well as performance.

Accountability:  Support of Industry Affiliated Regional Managers & Relationship Executives

• Operationalise the engagement strategy across all coverage/acquisition models
• Up-skill and train frontline sales force in respect of the Industry/brand CVP
• Provide industry knowledge and insights to industry Affiliated Regional Managers & Relationship Executives.
• Assist with the integration of Regional Managers into industry networks. This will also include strategic stakeholder and industry body management.
• Assist the Regional Relationship Executives in with client retention activities.
• Assist Regional Relationship Executives in ensuring that clients are optimally solutioned.

In colaboration with the Regional Relationship Executives:

• assist/work with Credit to mitigate sector risk,
• assist with matrix management of dynamics between Sector, Product and Coverage,
• monitor affiliated sectors/brand profitability and growth,
• assist with regional industry specific growth, cross-sell and retention campaigns
• assist in the development delivery of clients specific Pitches.

Education

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

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Job Summary

• To carry out quality risk assessments, client strategy formulation, client interaction and delivery of turnaround and managed exit strategies ta portfoliof customers experiencing financial stress, which are defined as Watch(WL) List 2 or worse.

Job Description

Credit Risk Management

• Manage and monitor a portfoliof clients within the Business Support environment against the determined strategy of either “Turnaround” or “Managed Exit”.
• Lead negotiations with customers, other lenders, creditors and 3rd party.
• Facilitate the credit sanctioning process by responding tsanctioned enquiries i.e. non - acceptance of approved terms and conditions, applications and/or attend all relevant Credit meetings, where necessary, in order tpresent and sponsor credit applications that have been submitted under the mandate holder's signature.
• Manage exposures by taking daily credit decisions and reviewing information from various systems e.g Credit Management System, and taking credit decisions accordingly.
• Use information gathered in support of reviews/amendments/new applications tbe submitted tBusiness Support in liaison with the Relationship Executives (RE).
• Request and drive valuations on properties from RE’s/business units, which serve as security for facilities tbe used tcalculate impairments.
• Champion the Business Support team’s relationship with internal and external customers, develop a strong network of internal contacts, external and panel professionals tmaximise financial benefit for the Bank.
• To drive the implementation of appropriate strategies and/or risk mitigation measures in the client portfoliwith a view treducing the Capital at Risk.
• Inputs intthe fortnightly/monthly impairment forecasting, as required from time ttime.
• Proactively manage Business Rescue as governed by Chapter 6 of the Companies Act of 2008, and in alignment with the existing Business Support Procedures for time ttime.
• Monitor the client’s business performance on a continuous basis, in addition to performing formal reviews at specified time intervals, tensure early identification of changes tthe client's risk profile.
• Analyse the clients' historical data i.e. financial statements tforecast the client’s potential growth and sustainability and make recommendations or take decisions within mandate.
• Ensure client meets financial covenants and the facility terms and conditions on a monthly basis by reviewing in line with the agreed covenants/terms and conditions/timelines.
• Structure a lending solution for the client based on the analysis conducted, that will account for the potential threats tthe client and, that is within set credit limits and the Bank's credit lending policies and appetite.
• Review and recommend the impairment calculations (based on Capital at Risk), strategy tbe adopted and WL risk classification for each client, which forms part of the WL Watch List summary for all clients under his/her control.
• Review the Impairment/Capital at Risk calculation, on a monthly basis and sign off in line with the Bank’s policies.
• Tmanage the clients' value tAbsa through optimising revenue opportunities i.e. pricing for risk in terms of the Pricing policy.
• Mitigate and manage the credit exposure tthe Bank by adhering tthe Business
• Support Policy and Procedures and the Bank's Credit policy.
• Interact with clients, where necessary, and resolve on a timely basis, all client credit related problems/queries as and when required by interacting with the stakeholders and formulating the appropriate solution/strategy tbe adopted for a particular client.
• Maintain thorough, accurate and up tdate case management recordal, which include a set of financials, evaluations and credit decisions.
• Obtain input from Product Industry Specialist/s, where appropriate, for assistance in analysing the risk for specific clients.
• Ensure that the monthly Watch List is accurate and completed in line with the relevant policies and procedures.

People Management

• Ensure adherence to Absa’ values.

Change Management

• Assist with the execution of strategic projects (as required) from time ttime.

Stakeholder Management

• Raise local profile in the team as well as the broader Group Risk team and business partners

Governance

• Ensure that only decisions within mandate are taken
• Ensure that standards in line with Absa/Absa policies are maintained
• Ensure that processes and procedures are followed and complied with
• Comply with the Bank’s credit policies and philosophy at all times, and check that any policy breaches have been suitably addressed and mitigated against and reported tthe appropriate authority e.g. Forensics.
• Provide bank codes and reports on clients, tother financial institutions as and when requested. Adhere tthe Business Banking Credit Policy and other relevant legislation e.g. NCA, Companies Act, Insolvency Act and other relevant legislation.
• Responsibility for adherence tgovernance, compliance and lending portfolicontrols and MI as required from time ttime.
• All other duties as reasonably assigned by Line Manager.

Education

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