Absa Group Limited (Absa) has forged a new way of getting things done, driven by bravery and passion, with the readiness to realise the possibilities on our continent and beyond.
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Job Summary
- To take full responsibility of selling physical cash solutions offering to potential customers and drive acquisition of new to bank and new to segment Business Banking and Enterprise customers with a primary focus onacquiring new business as well as switching physical cash management solutions from competitor banks.
- To build and maintain professional relationships and drive sales via sales campaigns, leads and coldcalling and achieve sales and turnover targets.
- Ensure the execution of the sales capability that delivers excellent customer service and relationshipmanagement for our cash customers and internal business partners.
Job Description
Accountability: Revenue and merchant growth through sales enablement
- Identify sales opportunities and offer solutions appropriate for customers’ physical cash needs, goal and objectives by using the tools which outlines the products customers currently have and the propensity for new product take-up.
- Adopt a commercial approach to appropriate cost to serve versus value generation.
- Achieve the agreed new business turnover, new business and other revenue targets as agreed.
- Ensure that physical cash deals are profitable to the bank.
- Complete new applications and ensure that process is finalized within the agreed service level turnaround times with a continuous follow up on progress of outcomes. This will also entail the communication of the decision outcome to the customer.
- Implement an individual sales plan that is linked to the regional sales plan and overall Physical Cash Solutions strategy and business plan.
- Participate in the design and execution of the regional sales plan to ensure that targets are delivered on.
- Action all sales leads received from potential customers as well as all internal business partners within the agreed service level agreements and turnaround times.
- Adhere to the laid down sales processes and procedures within the Physical Cash Solution frameworks.
- Negotiate pricing, complete and sign new applicable agreements prior to implementation.
- Execute on the regional sales plans by ensuring an increase in the percentage of customers taking physical cash solutions through the conversion of qualified leads into sales by selling offers, which benefit the customer as well as the organization.
- Achieve sales (new business and existing growth) that will establish Physical Cash Solutions as a center of excellence for Sales execution across the Commercial markets.
- Negotiate pricing and allocate rates within the allocated mandate and refer to the next mandate holder where outside of mandate with the appropriate business motivation.
- Align and implement sales initiatives with the Business Banking units with the aim of implementing a sales methodology that will lead to cross segment revenue and customer growth.
- Monitor effectiveness of regional sales campaigns to ensure delivery thereof and implement remedial improvements for future campaigns where required.
- Execute on the regional retention plans in alignment with STP objectives and Customer Experience strategy.
- Work closely with internal and external business partners to ensure that our sales execution delivers on best in class products, services and support.
- Accountability: Sales performance and execution
- Agree relevant sales plans, campaigns and targets with team manager as well as other internal sales units that will achieve the business plan objectives and STP.
- Monitor individual sales performance on a daily/weekly/monthly/quarterly and annual basis and provide feedback to direct manager on how to improve performance.
- Create and execute opportunities and prospects for new business by working through potential customer lists and find new innovative ways of selling other than the normal channels.
- Review national competitor information, market trends on a regular basis and propose solutions to direct manager to ensure that Payment Solutions offers a competitive product or make a recommendation to introduce a better product or offer.
- Check that approved deals have been taken up to increase market penetration in new and existing business. Ascertain reasons for deals not taken up by liaising with the relevant internal business partner (Business Bank, Acquisitions, Enterprise, etc.).
- Understand the relevant product features and benefits to ensure that accurate information and solutions are shared with merchants and internal business partners.
- Analyze sales data (financials) and customer insights to enhance lead to sales generation and feedback responses to internal business partners to assist in adopting a sales methodology that is not silo focused.
- Investigate customer and internal business partner requirements and implement a desired Payment solution footprint that will ensure the achievement of revenue streams.
- Reporting on individual sales performance.
Accountability: Relationship Management
- Reposition the Physical Cash Solution regional stakeholder management in order to improve key relationships and change the acquisition methodology with internal business partners.
- Establish stakeholder needs and expectations in order to develop effective stakeholder engagement plans.
- Manage the relationship with top physical cash customers in the region and ensures that an effective and efficient relationship model is in place to retain cash customers within the allocated portfolio.
- Update the line manager as well as regional business partners on the sales performance and provide input where required.
- Internal and external customer meeting attendance where required.
- Engage with the RBB business partners with the aim of promoting the value proposition of Physical Cash Solutions.
Accountability: Customer Experience Execution
- Execute on the business unit's Customer Experience strategy and ensure that customer experience is a valuable differentiator within the value chain.
- Work closely with the direct manager to drive a focused customer experience agenda that will help the region achieve its' sales and after sales support objectives.
- Ensure smooth and effective migration and on-boarding of new merchant relationships.
- Use the feedback of the internal and external customer experience measurements to drive change and improvement that will benefit the sales strategy of the region.
- Adhere to Customer Experience and service quality standards in line with Group Customer Experience strategy.
- Implement improvement initiatives that will ensure high quality standards and customer experience.
- Constantly keep abreast of the latest developments and trends with regard to customer expectations and service.
- Ensure that all allocated complaints have been resolved within the allocated time frames as per the Treating Customers Fairly (TCF) principles.
- Accept primary responsibility for customer satisfaction through excellent service by ensuring that Physical Cash is the market leader in terms of turnaround times, pricing and value for money.
Accountability: Risk and Compliance Management
- Maximize sustainable risk by adjusted portfolio contribution.
- Work closely with the Risk and Control Assurance team and line manager to determine appropriate RCA's and adherence to RCA requirements.
- Review risk and controls that exist in the region and own the adherence to control assurance.
- Embed legislation affecting Sales and Sales procedures.
- Complete required compliance and other attestations and ensure that impacted team members complete their attestations and compliance tests.
- Complete attestations to testify to the adequacy of controls in the region on request.
Education and Experience Required
- NQF level 7 qualification (Finance, Sales, Commerce) – preferred
Education
- Bachelors Degree and Professional Qualifications: Business, Commerce and Management Studies (Required (3) years' experience within a client facing role (commercial/or financial industry)(3) (3) years relationship management experience in a financial services industry –Preferred
- Must have a driver's license. Regular traveling between areas and (extensive travelling)
Knowledge & Skills Required
- Strong Commercial Management
- Sales performance and sales administration
- Customer Relations Management
- Negotiation
- Risk Management
- Retention
Competencies required
- Deciding and initiating action
- Learning and researching
- Entrepreneurial and commercial thinking
- Relating and networking
- Adapting and responding to change
- Persuading and influencing
- Creating and innovating
Education
- Bachelors Degree and Professional Qualifications: Business, Commerce and Management Studies (Required)
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Job Summary
- We are looking for a Senior Service Designer with a strong grasp of process engineering and the ability to front-run strategic projects, translating complex services into actionable recommendations. This role requires deep expertise in service design, experience strategy, and business process optimisation to shape how services are designed, delivered, and evolved.
- You will work within an interdisciplinary team to map, visualise, and define new service experiences, using a mix of research, journey mapping, process analysis, and strategic thinking. You should be comfortable working end-to-end, from research and problem framing to ideation, prototyping, and implementation.
- Collaboration is at the core of how we work. As a Senior Service Designer, you will partner with business leaders, value streams, data & analytics teams, and customer-facing teams to shape solutions that enhance service efficiency and customer experience.
Job Description
- Plan and execute design research using qualitative and quantitative methods (ethnographic research, UX research, secondary research, business analysis).
- Translate research insights into service blueprints, customer journeys, and process improvements.
- Identify inefficiencies in current-state service models and propose evidence-based future-state recommendations.
- Conduct root cause analysis and process redesign for service efficiency and scalability.
- Strategic Thinking & Stakeholder Engagement
- Front-run strategic projects, engaging with business and technology stakeholders to shape new service propositions.
- Facilitate co-creation workshops with executives, clients, and delivery teams to define service strategies and process improvements.
- Define and structure design deliverables that align with business objectives and strategic priorities.
- Collaborate with product owners, engineers, and process teams to ensure services are technically feasible and operationally sustainable.
- Execution & Implementation
- Work closely with researchers, UX designers, business analysts to ensure seamless service delivery.
- Provide implementation guidance to teams, ensuring that service design principles are effectively integrated into product and process decisions.
- Track and measure service performance, using analytics and operational insights to refine service experiences.
Desired Skills & Experience
- 5+ years of experience in service design, process engineering, or experience strategy, preferably within complex organisations.
- Strong background in process mapping, journey mapping, and business process optimisation.
- Bachelor's degree in Service Design, Business Design, Process Engineering, UX, or a related discipline.
- Expertise in user-centred design and service blueprinting to drive business transformation.
- Strong ability to synthesise research findings into actionable service strategies.
- Experience working in agile environments, collaborating with product, tech, and operational teams.
- Ability to facilitate workshops and design sprints with senior stakeholders.
- Excellent storytelling, communication, and stakeholder management skills.
- Familiarity with technology and data-driven service design approaches.
Advantageous
- Formal training or experience in process engineering, Lean Six Sigma, or business process reengineering.
- Background in operations design, systems thinking, or business model innovation.
- Knowledge of enterprise platforms, automation, and digital transformation trends.
Why Join Us?
- Work on high-impact, strategic projects that shape customer experiences and business services.
- Collaborate with diverse teams across business, tech, and operations to create meaningful change.
- Be part of a forward-thinking, user-centred, and innovative environment.
- Opportunity to influence service strategy and business transformation at scale
Education
- Bachelor`s Degrees and Advanced Diplomas: Physical, Mathematical, Computer and Life Sciences (Required)
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Job Summary
- To monitor the risk profile of the Transactional Banking business and execute audit assignments in accordance with the Group Audit Plan and Internal Audit methodology, relevant policies, procedures and quality standards.
Job Description
Audit planning
- Participate in the audit planning cycle, provide input by taking into account the risk and control profile, business strategy and material risks affecting the business.
Assurance
- Develop an in-depth knowledge of Absa and the various business areas and use this knowledge to execute on assurance responsibilities.
- Actively participate in all the audit phases - planning and scoping (identification of risks and controls), fieldwork (execution of design and operating effectiveness assessments) and reporting (ensure audit observations and planned actions are agreed with management for factual accuracy).
- Ensure delivery adheres to the audit methodology and quality standards.
- Identify opportunities for using Data Analytics and enhanced automated auditing techniques.
- Prepare audit observations and make sure that they are concise, factually accurate and cover all of the significant issues. The observations must be insightful, address the root causes, and have agreed actions that fully mitigate the risk.
Teamwork
- Engage proactively with Internal Audit colleagues during assignments and request technical assistance where required and based on knowledge of business areas, provide guidance to other auditors and peers by sharing best practice so that their work meets and sometimes exceeds quality standards
Relationship and Portfolio management
- Business Monitoring and stakeholder engagement - Develop and maintain relationships with business (including 1and 2 Line of Defense) and actively monitor the risk profile of the business to inform audit planning, reporting and audit delivery. Support the Combined Assurance effort across the 3 LOD to strengthen the control environment.
- Provide input into Risk and Committee reporting, clear messaging and impact on the risk and control environment of the business.
Knowledge Management
- Display professional skepticism and apply a residual risk lens to potential audit issues with management and in final reporting.
- Continuous upskilling on both technical and other core competencies.
- Keeping up to date with industry trends, regulatory changes and professional standards.
- Based on knowledge of business areas, provide guidance to other auditors and peers by sharing best practice so that their work meets and sometimes exceeds quality standards
Minimum Requirements
- 3 Years' experience in audit, risk management or governance and control
- Basic knowledge of CIB products, and regulatory requirements related to Payments and Transactional Banking
- B Degree Internal Auditing, or similar
- Certified Internal Auditor (CIA)/ Chartered Accountant (CA)
Preferable
- Exposure to General Technology, use of Computer Assisted Audit Techniques (CAATs) and data analytics
Education
- Bachelor`s Degrees and Advanced Diplomas: Business, Commerce and Management Studies (Required)
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Job Summary
- To monitor the risk profile of the Investment Banking business and execute audit assignments in accordance with the Group Audit Plan and Internal Audit methodology, relevant policies, procedures and quality standards.
Job Description
Audit planning
- Participate in the annual audit planning cycle, provide input by taking into account the risk and control profile, business strategy and material risks affecting the business.
Assurance
- Develop an in-depth knowledge of Absa and the various business areas and use this knowledge to execute on assurance responsibilities.
- Actively participate in all the audit phases - planning and scoping (identification of risks and controls), fieldwork (execution of design and operating effectiveness assessments) and reporting (ensure audit observations and planned actions are agreed with management for factual accuracy).
- Ensure delivery adheres to the audit methodology and quality standards.
- Identify opportunities for using Data Analytics and enhanced automated auditing techniques.
- Prepare audit observations and make sure that they are concise, factually accurate and cover all of the significant issues. The observations must be insightful, address the root causes, and have agreed actions that fully mitigate the risk.
Teamwork
- Engage proactively with Internal Audit colleagues during assignments and request technical assistance where required and based on knowledge of business areas, provide guidance to other auditors and peers by sharing best practice so that their work meets and sometimes exceeds quality standards
Relationship and Portfolio management
- Business Monitoring and stakeholder engagement - Develop and maintain relationships with business (including 1and 2 Line of Defense) and actively monitor the risk profile of the business to inform audit planning, reporting and audit delivery. Support the Combined Assurance effort across the 3 LOD to strengthen the control environment.
- Provide input into Risk and Committee reporting, clear messaging and impact on the risk and control environment of the business.
Knowledge Management
- Display professional skepticism and apply a residual risk lens to potential audit issues with management and in final reporting.
- Continuous upskilling on both technical and other core competencies.
- Keeping up to date with industry trends, regulatory changes and professional standards.
- Based on knowledge of business areas, provide guidance to other auditors and peers by sharing best practice so that their work meets and sometimes exceeds quality standards
Minimum Requirements
- 3 Years' experience in audit, risk management or governance and control
- Basic knowledge of CIB products, and regulatory requirements related to Investment Banking
- B Degree Internal Auditing, or similar
- Certified Internal Auditor (CIA)/ Chartered Accountant (CA)
Preferable
- Experience in Credit and/or Financial Control
- Exposure to General Technology, use of Computer Assisted Audit Techniques (CAATs) and data analytics
Education
- Bachelor`s Degrees and Advanced Diplomas: Business, Commerce and Management Studies (Required)
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- We are recruiting for an analytical individual. Experience in in data analysis would be advantageous. To support the credit risk process through carrying out comprehensive and quality credit risk functions within the credit lifecycle to create shared growth within the boundaries of internal policies and external regulations for Growth Business clients.
Job Description
- The Collections Strategy Analyst will develop and implement effective collections strategies, ensuring alignment with portfolio objectives and regulatory requirements.
- The ideal candidate will leverage their analytical expertise to drive strategy enhancements to manage credit risks effectively.
Risk Management
- To conduct quality credit risk assessments and reviews,
- Proactively manage credit risks associated with clients,
- Develop data driven strategies, facilitate the credit sanctioning process to ensure responsible risk decisions
Data and Systems Management:
- To produce and analyze relevant management information and insights management
Governance:
- Ensure the bank's credit, philosophy and all relevant legislation is adhered to | Customer Management: Investigate and resolve all escalated customer complaints.
Portfolio Management:
- Demonstrate an in-depth understanding of the portfolio, including performance drivers and risk factors.
- Maintain clarity on collections, impairments, and the drivers impacting them.
- Align to and implement documented strategies and policies within the portfolio.
- Conduct high-quality credit risk assessments and reviews for BAU (Business-As-Usual) processes and strategies.
- Design and develop data-driven collections strategies, identifying gaps, providing solutions, and aligning them with overall portfolio objectives.
- Embed improvements into collections strategies through rigorous research and data interrogation.
- Data and Systems Management:
- Manage BAU, ad-hoc, and automated processes with efficiency.
- Produce and analyze management information and insights within stipulated SLAs.
- Perform data analysis and processing, including sourcing, cleaning, validating, and consolidating large datasets using advanced SAS skills.
- Identify trends and anomalies to support data-driven decision-making.
Governance and Compliance:
- Adhere to the bank's credit risk policies and ensure compliance with all relevant legislation.
- Support end-to-end audit and governance processes to maintain high standards.
- Investigate and provide thorough feedback on exceptions, ensuring adherence to governance standards.
Stakeholder and Customer Management:
- Present analytical results and strategic proposals to both technical and non-technical audiences.
- Build and maintain strong relationships with internal and external stakeholders, fostering collaboration.
Soft Skills:
- Communicate complex data and strategies effectively to varied audiences.
- Exhibit professionalism in all interactions and tasks.
- Manage time and workload effectively to balance competing priorities.
Qualifications and Experience:
- Preferred Qualification: Bachelor’s degree in BMI, Mathematics, Statistics, Engineering, or Commerce.
- Experience in financial services is advantageous.
- SAS skills and experience with data analysis and processing techniques.
- Strong understanding of collections, impairments, and credit risk management.
Personal Attributes:
- Detail-oriented with a strong analytical mindset.
- Proactive and self-motivated, with a focus on delivering results.
- Excellent interpersonal skills to manage stakeholder relationships and drive collaboration.
Qualifications and Experience:
- Preferred Qualification: Bachelor’s degree in BMI, Mathematics, Statistics, Engineering, or Commerce.
- Experience in financial services is advantageous.
- SAS skills and experience with data analysis and processing techniques will be advantageous.
- Understanding of collections, impairments, and credit risk management.
Education
- Bachelor Honours Degree: Statistics (Required)
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Job Summary
- Data Analytics. Problem Solving. Model Building. Raise your hand if these terms excite you. We are looking for someone to be part of a dynamic team that manages the development and continuous enhancement of Retail IFRS 9 and Regulatory models. You will be exposed to the entire credit risk model build, implementation and governance lifecycle
Job Description
Accountability: Model development (50%)
- Develop models in-house by ensuring model build data are of sufficient quality, completing statistical data analysis and producing detailed model build documentation while conforming to the governance structures
- Ensure successful implementation of vendor models by assisting the model implementation team through answering technical questions around the model workings (inputs to the model, calculations performed, etc.) and helping out with testing (comparing implementation results with prototype results) to ensure the model is implemented correctly
- Develop theoretical understanding and practical application of model development methodology through model building and application experience. Ensure full governance processes for modelling are complied with from model inception and build through to validation and sign-off by completing all relevant documentation according to the Absa Model Risk Policy. This includes responding to Independent Review questions and reworking the model build to include issues raised.
- Provide and detail appropriateness, perform and report impact analysis and recommend the use of both internal existing corporate models as well as external industry standard models available e.g. KMV portfolio Manager, Credit Metrics, etc
- Provide directional expertise to enhance model building skills within the team, ensuring increased capacity to build models, by transferring knowledge and experience gained
- Ensure model compliance with Absa Group governance standards by following and adhering to standards
- Communicate results and recommendations from analysis and modeling undertaken to other areas of Group Credit Risk, SBUs & cluster by tailoring the interpretation to the audience and using appropriate presentation technology and templates
- Enhance model usage through strategy and policy recommendations to the Credit Risk team.
Accountability: Stakeholder management (15%):
- Actively engage stakeholders (model users, validation team, monitoring team, auditors, regulators) to be fully engaged in process and delivery through email discussions, group meetings and one-on-one discussions
- Generate appropriate challenge on model builds from around the cluster by discussing model build detail and ideas
- Manage key stakeholders across the business by ensuring their issues, objectives and priorities are reflected in the agreed solutions
- Convert data extracts into relevant reports and data sets as required. This includes compiling Management Information (MI) and ad-hoc queries while adhering to agreed deadlines.
- Explaining methodologies and data feeds to SARB and their representatives
Accountability: Consultancy (10%)
- Compile trend analysis for "AS IS" and "TO BE" scenarios by statistically comparing different scenarios. Use these analyses to make recommendations around next steps or decisions to be taken.
- Support business forecasting and extrapolations by assisting in analyses as required by business
- Create value added knowledge of data and process by analysing information obtained from the Risk Data Store
Accountability: Governance and Adherence (10%)
- Provide general consultancy for credit risk matters within the cluster, including validation and challenge models
- Ensure best practice modelling techniques are in place by liaising with other BUs and consulting with strategy software suppliers
Accountability: Leadership (10%)
- Develop and maintain relationships with relevant business units by understanding the business units' requirements and obtaining feedback.
- Work with stakeholders to create and maintain a portfolio of business MI by utilising consistent and validated data sources.
- Contribute to the development of a high-performance culture
- Participate in planning, resource allocation, training and team-building functions
Accountability: Continuous self-development and growth (5%)
- Stay abreast of knowledge and skills relevant to the level and area of work, and actively seek to attain those required for the next level of work.
- Improve corporate performance by considering influencing events, quantifying the impact on corporate performance and proactively finding.
Education:
- Bachelors Degree in Mathematics, Statistics, BMI or Actuarial Sciences
Experience:
- We are seeking candidates with 2-3 years of experience at a junior specialist level in a similar
- environment. Knowledge of impairment modelling and proficiency in SAS would be highly advantageous.
Education
- Bachelor`s Degrees and Advanced Diplomas: Business, Commerce and Management Studies (Required)
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Job Summary
- To provide banking services accurately and timeously through the execution of predefined objectives as per agreed standard operating procedures (SOPs). Selecting this role has a compensation & benefit impact in TZ (NBC), Botswana, Kenya. Please contact Reward for details.
Job Description
- Customer service: Deliver customer service at first point of contact | Capturing financial transactions: Capture all financial transactions on the Bank system and ensure that all transactions are properly authorised by a mandated official before finalising the processing | Fraud prevention: Identify potential fraudulent transactions and report these and other suspicious transactions as per the Money Laundering control framework to management | Capture customer data: Update demographics such as address changes, name changes and standing order instructions based on information supplied by customer. | : | : | : | :
Education
- Further Education and Training Certificate (FETC): Business, Commerce and Management Studies (Required)
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Job Summary
- Build high-performing, scalable, enterprise-grade applications & build capability in others to do the same. This includes but is not limited to applying critical thinking, design thinking and problem solving skills in an agile team environment to solve complex technical problems (Front End, Back End and Integration) with high quality solutions & leading all phases of the development lifecycle to deliver.
Job Description
- We are seeking an experienced and dynamic Lead Product Engineer to join the Foreign Exchange team in CIB TxB Technology. This senior-level role is ideal for a professional with extensive technical expertise and a strong product engineering focus. The successful candidate will focus on the design, development, and maintenance of robust systems while collaborating with team members to drive technical excellence.
Key Responsibilities:
Software Development and Architecture:
- Design, code, test, debug, and document software according to functional requirements.
- Develop and maintain RESTful APIs, ensuring scalability, performance, and security.
- Architect and implement microservices-based solutions.
CI/CD and Kubernetes:
- Oversee and optimize CI/CD pipelines to support efficient delivery processes.
- Implement and manage Kubernetes-based deployments for containerized applications.
Agile Practices:
- Participate in scrum and agile ceremonies, fostering a collaborative team environment.
- Work with team members to ensure sprint goals and deliverables are met with high quality.
Problem-Solving and Troubleshooting:
- Analyze, diagnose, and resolve complex technical issues.
- Employ strong analytical and creative problem-solving skills to develop innovative solutions.
Collaboration and Communication:
- Work closely with team members and end-users to ensure technical compatibility and user satisfaction.
- Communicate technical concepts effectively to stakeholders at all levels.
On-Call Support:
- Participate in on-call rotations to ensure system reliability and uptime.
- Take a proactive approach to identifying and resolving issues before they impact users.
Continuous Learning and Industry Awareness:
- Keep abreast of technical and industry developments, applying new methodologies and technologies where appropriate.
Key Requirements:
Experience:
- 8+ years of experience in software development and technical collaboration.
- Tertiary education in Computer Science or a related field.
Technical Skills:
- Proficient in designing and developing RESTful APIs (4+ years).
- Experience with CI/CD pipelines (2+ years) and Kubernetes (2+ years).
- Strong understanding of microservices architecture.
- Expertise in C# technology and OOP principles.
- Familiarity with ORM frameworks such as Entity Framework.
Design and Development Principles:
- Solid understanding of SOLID design principles and design patterns.
- Domain-Driven Design (DDD) and Test-Driven Development (TDD) experience (advantageous).
Version Control:
- Proficient understanding of code versioning tools (e.g., Git).
Soft Skills:
- Strong analytical and creative problem-solving skills with excellent attention to detail.
- Flexible and adaptable to working with new methodologies and technologies.
- Proactive and demonstrates strong ownership within collaborative teams.
Accountabilities:
- Design, code, test, debug, and document software according to the functional requirements.
- Analyze, diagnose, and resolve errors related to applications.
- Keep abreast of technical and industry developments.
- Work closely with developers and a variety of end-users to ensure technical compatibility and user satisfaction.
- Ensure timely and effective resolution of support issues, including on-call duties.
Expectations:
- Take ownership of technical decisions and system design.
- Exhibit a proactive approach and a strong sense of accountability.
- Contribute to team growth and technical innovation.
- Foster a culture of technical excellence and continuous improvement.
Why Join Us?
- Collaborate with team members in designing and building cutting-edge solutions.
- Be part of a collaborative, innovative, and growth-oriented team.
Education
- Bachelor's Degree: Information Technology
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Job Summary
- Assist in developing and implement best practice investment strategies with respect to asset allocation and portfolio construction for the Bank’s HQLA Portfolio.
- Assist in the management of the Bank’s Structural Hedging Programme and other interest rate risk mitigation.
- Identifying investment opportunities, collaborate with the team in order to advise and influence the shaping of the Group’s balance sheet.
- Mitigating foreign exchange and accounting risk of all Banking book non – traded market risk.
- Presenting of thought leading financial market research and outlooks using local and global counterparties to influence group strategy and deployment of financial resources.
- Preparing and report performance of all portfolios under management of the Investment Function Team.
Job Description
Accountabilities:
- Daily operational requirements of deal capturing, client interaction, trade queries and price quoting.
- Building quantitative financial models to forecast and optimise portfolio returns and support key decision making.
- Real-time analysis of market rates and timeous execution of financial instruments including (Bonds/Derivatives/Money Market/Collateral/FX).
- Tracking global economic developments and its impact on financial markets.
- Daily market update to stakeholders regarding key market and economic developments.
- Creation of macro dashboards for reference and to support decision making applicable to the Structural Hedge Portfolio/HQLA portfolio.
- Anticipating market developments and identifying trade opportunities with risk-adjusted superior returns.
- Assist in managing the bank’s HQLA investment portfolio, including making investment decisions, monitoring risk and reporting/forecasting returns through scenario analysis.
- Assist in managing the bank’s Structural Hedge Programme, including scenario analysis, execution strategy and forecasting key portfolio attributes evolution of the Programme.
- Hedging Group subsidiary FX flows.
- Precise/timeous execution of financial instruments with internal and external counterparties.
- Daily interaction with Absa GM Trading desks.
- Understanding the sensitivity to the Bank’s Intraday Liquidity position, Wholesale Funding Targets, Economic Funding Model and its implication on regulatory ratios (LCR/NSFR).
- Team Dynamics – Team Player – through driving core values of innovation, being dynamic and motivated.
- Good communication skills are a key requirement of the role.
Accountability: Stakeholders
- Engage with and maintain good relationships with key internal and external stakeholders including Regulators, international banks, Absa Trading desks, research analysts as well as Group Treasury partners.
- Play a positive role in Corporate Citizenship.
Accountability: Regulatory
- Adhere to all Absa Compliance requirements, regulatory frameworks and policies.
- Knowledge of regulatory impacts i.e. Basel 3, LCR, NSFR etc. Optimize positioning to adhere to requirements while enhancing return for the firm.
Accountability: Revenue and Risk
- Using derivative products to hedge investment activity where required and general risk management of the book.
- Overlay derivative strategies on the book to enhance revenue on the portfolios (Structural Hedge and Liquid Asset portfolio) within risk parameters.
- Using FX products (Cross Currency swaps, Int rates swaps, FX spot) to diversify investments while considering credit exposure in the HQLA portfolio.
- Continuous monitoring of opportunities in markets. Prompt decision and execution within risk limits.
Education and Experience Required
- Bachelor's degree in Business, Economics, Finance or Quantitative field.
- 5+ years experience in fixed-income trading, structuring, portfolio management or other Front Office role.
- Prior Treasury portfolio management experience would be advantageous.
Knowledge & Skills: (Maximum of 6)
- Strong analytical ability or technical concentration including analysis of intraday cash, Fixed Income and market patterns.
- Ability to work well in team environment.
- Creative thinking and ability to apply to our operations
- Professional work ethic and positive attitude
- Proficiency with Excel
- Attention to detail is crucial
Competencies: (Maximum of 8 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
Education
- Postgraduate Degrees and Professional Qualifications: Financial Sciences (Required)
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Job Summary
- To follow the six steps of financial planning in executing the role of a FAIS licensed financial adviser. A professional introduction must be made to introduce the adviser and the services offered by the adviser. Upon client approval the adviser may conduct a Financial Needs Analysis (FNA) in the disciplines of Investment, Life Insurance and Estate planning. Based on the concluded FNA to make recommendations to address single or multiple needs identified on behalf of the client. Advice recommendations will must be presented under the license categories for which the adviser is accredited Absa approved product(s) that are deemed will meet the needs of the client. On client acceptance of all or part of the advice, the adviser is required to implement the accepted advice through Absa’s new business processes. The adviser must conduct regularly review of the client needs to assess continued suitability of implemented solutions. In these reviews, new needs may be addressed and changes to existing plans be proposed to ensure continued solutioning of client needs. Adviser must continue to ensure ongoing Fit and Proper status to enable them to offer services under an Absa advice license.
Job Description
Accountability: To establish and maintain a professional relationship with all stakeholders (Client, Bank personnel, product providers and Adviser Support staff)
- Participate in reciprocal leads activities and sales/pipeline meetings to identify opportunities for new or repeat business, and fully utilising Absa’s bancassurance structure.
- Assess client’s needs through use of recommended needs analysis tools, ensuring that the client is aware of the full value proposition offered by AIFA.
- Prepare recommendation and quote for appropriate risk and investment solutions based on the client’s individual needs and profile.
- Present recommendation to clients, ensuring that all FAIS regulations are followed regarding advice given.
- Follow all the steps in the designated client engagement process as specified by Absa Advisers.
- Provide regular feedback to the Regional Manager on actions taken to progress the lead to business.
- Network, on an ongoing basis, with all stakeholders in Everyday Banking (PGM’s and Regional Managers) and elsewhere by attending their meetings and social gatherings to position the Absa Advisers' value proposition to the Bank and to the clients
Accountability: Meet sales and/or growth targets
- Do activity planning by identifying the clients to be approached/contacted during a particular period in conjunction with Everyday Advice Executive.
- Using the leads information provided by the source and or Regional Manager listings, as well as leads sourced through own prospecting activities and determine the client's financial needs.
- Make exclusive use of Absa’s Financial Needs Analysis tool (Avalon from Aug 2024 onwards) to conduct a comprehensive Financial Needs Analysis for the client.
- Obtain the client's consent to access his/her existing policy information by getting him/her to sign the relevant documents to get a comprehensive view of the client's financial needs.
- Discuss various possible solutions and options available with the client and thereafter recommend the most appropriate products and or solution(s) to address financial needs.
- Generate and discuss a formal recommendation including product quote(s) for the client.
- On acceptance of part or all the advice recommendations, complete the necessary product application forms and ensure that the client signs the forms to indicate his/her consent to engage in a transaction(s).
- Gather, generate, and complete all the necessary compliance documentation (e.g., Client Advice Record, copy of ID, Financial Needs Analysis, FICA).
- Submit the proposal forms to the relevant product providers for processing.
- Ensure that the issued policy aligns to the recommended product.
- Review the client's portfolio at a minimum of once a year and contact the client based on the adviser and client agreed contact strategy to maintain a healthy client relationship.
- Provide a report back to the Regional Manager and Everyday Banking stakeholders on the strike rate (i.e., the number of leads provided that were converted to business) where applicable.
- Seek business opportunities from external sources as necessary to grow the book of business and reciprocate leads to Regional Managers and PGM’s.
Accountability: Manage own commission earnings
- Capture the correct Policy Relevant Information (PRI) number on the Commission system.
- On a monthly basis, check the accuracy of the commission statements received from the Broker Commissions department. Verify that all the PRI numbers reconcile to the commission paid and reflected on the statements Keep the client database up to date by ensuring that new clients are added to the database.
- Follow up on unpaid premiums and lapses by contacting the clients to establish the reasons for the problems Manage the suspense account timeously by clearing it on the system at month end.
Accountability: Practice Management
- Ensure that staff members (Adviser Assistants) have a clear understanding of their roles and responsibilities within the adviser practice.
- Arrange for staff members to receive the relevant training (Absa programs for the Interns) e.g., systems training, product training and operational training.
- Provide coaching and mentoring to assistant(s) with regards to facilitate knowledge and skills development.
- Participate performance development (PD) discussions as required by the Absa performance management standards.
- Take the necessary corrective actions in cases of underperformance in consultation with the Regional Manager. Implement controls with regards to compliant record keeping in accordance with minimum Absa business standards (i.e. FAIS, FICA, FSB and)
- Liaise with Provincial Operations Office) with regards to maintenance of systems and equipment and provision of other services
- Complete all the required compliance exams in the specified timeframes (e.g. Anti-Money Laundering, Sanctions, BCM, Basic Financial Crime Concepts).
- Remain fit and proper as required for FAIS flagged roles.
- Provide monthly feedback to the branch, and Business Bank, regarding non-interest income (seat costs) and cross-selling opportunities
- Segment the client base according to profile, income potential and commission income.
- Engage with business development strategies with the support of the Regional Manager and our practice management subject matter experts to maximise the sustainability of the adviser practice
Accountability: Personal Development
- Attend all the required training to attain accreditation to market Absa approved products.
- Attend all the requisite internal training (i.e FAIS-related programs/courses).
- Attain the required FAIS credits in order to attain Fit and Proper status
- Ensure that Fit and Proper status is maintained (honesty, integrity, financial solvency)
Education
- Bachelor`s Degrees and Advanced Diplomas: Accounting, National Senior Certificate/ Matric (Grade 12)
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Job Summary
- Drive the design and delivery of complex fit for purpose, business strategy-aligned, high impact, cross domain technology solution blueprints & associated solutions & build architectural capability in Dev teams across an estate.
Job Description
Architecture
- Leverage a solid & deep understanding of the organization strategy to identify, design & deliver relevant, scalable, testable, re-usable technology solutions
- Work in collaboration with delivery teams to independently analyse customer requirements & varying business capabilities & leverage analysis to identify & accurately spec / frame ‘the complex business problems we are aiming to solve’ with each solution design or solution evolution
- Through the above processes, leverage emotional, social & business / commercial quotient to understand consumers and the broader range of stakeholders, their opinions & perspectives and reconcile these within the solution designs (negotiation skills and dealing with complex and divergent stakeholder opinions are a must)
- Leverage expertise in analytical & creative problem solving to synthesise a solution design (build a solution from its components) beyond the analysis of the problem
- Lead design thinking processes to successfully deliver solution blueprints & associated roadmaps
- Create end to end solution blueprints & ensure these can be implemented across all phases of the initiative life-cycle (ideation through to product launch & commercialization)
- Design & or contribute to the design & implementation of detailed feasibilities & business cases
- Leverage a strong engineering background to make the right choices in solution design – this knowledge includes but is not limited to: domain driven design, loosely coupled integration, microservices and other modern software design practices
- The above extends to identifying the best fit tools to be used for a particular solution, understanding those that would not be a good choice and leveraging researching skills to pivot towards something better
- Assume ‘one stop’ shop accountability for solution blueprint design & delivery decisions within an organization based on the above
- Work with project / program management teams to design solution roadmaps aligned to the strategic requirements of an organization and through which the solution can be implemented across all phases of the initiative life-cycle (ideation through to product launch and commercialization)
- Work embedded, as part of a delivery team, to ensure the successful design & implementation of solution blueprints
- Ensure that the detail of the solution (across all architecture domains) is accurate to the implementation of the initiative, true to the bank’s architectural principles/preferences, implementable by the different teams involved in the solution
- Work as part of embedded delivery teams to conduct solution reviews, code reviews, testing and other disciplines associated with solution design & delivery
- Attend various Group & Business specific architectural design forums and present solution designs and detailed business cases for approval
- Leverage synthesis & creative problem skills to identify risk (impending danger & challenges) and work with a cross functional group of stakeholders across the value chain for support & direction
- Conduct solution reviews against defined customer metrics and ensure the ongoing achievement of business results through solution implementation
- Ensure a solid understanding of emerging & evolving architectural principles and hold one stop shop accountability for the evolution of solutions in alignment with these principles (where it makes sense to do so)
- Build architectural capability across delivery teams in a business to ensure ongoing evolution of skills in solution delivery
- Contribute to the architecture body of knowledge
- Contribute to the design & evolution of architectural principles and preferences
People
- Participate in peer reviews (code, solution, testing etc.) and transfer knowledge and capability across delivery teams for improved solutioning & evolving architectural practices
- Set & Cascade solution direction across technology delivery teams
- Build & evolve the architectural capability of Delivery teams across the business – through active coaching & information / knowledge sharing
- As an SME, support the proactive attraction, recruitment, development, & retention of strong technology teams across an estate
- Leverage and embed agile practices in delivery teams and work to build strong self-directed, high performance teams through agile working practices (including daily, weekly, etc. sprint routines, regular & honest feedback etc.)
Financial & Vendor Management, Risk & Governance
- Carry the ‘one stop shop’ accountability for all risk associated with solution design (from ideation to deployment)
- Apply the organization risk & governance frameworks
- Ensure solution design alignment to Group guidelines & ensure solutions are sustainable for the enterprise
- Proactively involve / engage chapter & guild leads in solution decision making, applying an enterprise wide lens to product & service development
- Ensure solution design alignment to regulatory requirements and continuously update knowledge on regulatory requirements for the successful design of new & evolution of existing solutions
- Deliver on time & on budget (always)
Education
- Bachelor's Degree: Information Technology
Method of Application
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