Current Openings at Absa Group Limited (Absa)

Job Summary

• To provide high-quality execution, analysis, and reporting across regulatory capital monitoring and planning support, and ICAAP inputs.
• The AVP ensures accurate data preparation, strong variance analysis, and timely delivery of capital management outputs

Job Description

Capital Planning & Forecasting Support

• Build and maintain capital forecast models under guidance from VP/Head.
• Populate scenario templates and assists with buffer analysis and sensitivity runs (e.g., dividend, issuance, RWA growth, FX, impairments impacts).
• Produce forecast outputs for cluster/entity views (Solo, Bank Group, Group).

 ICAAP Inputs & Evidence Packs

• Coordinate and compile ICAAP quantitative schedules and evidence folders:
• capital adequacy and projections
• governance evidence and supporting documentation
• Maintain version control and ensure ICAAP schedules align to the latest regulatory reporting numbers.

Automation & Process Improvement

• Assist with automation initiatives (Excel/VBA/PowerQuery/PowerBI where applicable):
• define requirements with stakeholders
• document as-is/to-be process maps
• execute UAT scripts and reconcile outputs
• Improve controls: checklists, reconciliations, exception logs, and sign-off packs.

RDARR / BCBS 239 Controls & Data Governance

• Maintain data lineage documentation, reconciliations, and control evidence for capital reporting streams.
• Support audit and regulatory information requests through well-organised evidence packs and traceable working papers.

Qualifications & Experience

• CA(SA), CFA, FRM/PRM, or equivalent NQF Level 7+.
• 2–4 years relevant experience in capital, regulatory reporting, treasury, risk analytics, or bank finance.

Skills & Competencies

• Strong numeracy, analytical rigour, and attention to detail.
• Advanced Excel; VBA/PowerQuery/PowerPivot desirable.
• Ability to communicate complex drivers clearly in writing (commentary).
• Good planning, deadlines discipline, and control mindset.

Education

• Bachelor`s Degrees and Advanced Diplomas: Financial Sciences (Required)

End Date: February 9, 2026

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Job Summary

• To provide execution, technical leadership, and governance across regulatory capital reporting, capital planning analytics, and ICAAP compilation.
• The VP ensures the integrity of capital metrics, leads key deliverables end-to-end, challenges inputs, and acts as a critical partner to the Head of Capital in committee engagement, regulatory interaction readiness, and strategic capital insight.

Job Description

End-to-End Capital Reporting Oversight (Monthly Flash & BA Returns Support)

• Lead the monthly capital flash process, ensuring accurate ratios, movement analysis, and clear narrative on CET1/Tier 1/Total capital changes.
• Review, challenge, and sign off internal capital MI produced by junior staff.
• Oversee preparation of capital components supporting BA700, BA701, BA600 and financial conglomerate calculations.
• Ensure strong governance, reconciliations, lineage, and control evidence in compliance with RDARR/BCBS239.
• Enhance tools, dashboards, and modelling templates used for capital MI.

Capital Planning & Forecasting (Regulatory, Economic, Stress)

Lead capital planning analytics across Solo/Bank Group/Group:

• maintain and enhance forecast models
• review assumptions and scenario outputs
• Challenge business line and cluster assumptions on RWA, earnings, impairments, FX, and balance sheet growth.
• Provide strategic insights on capital buffers, headroom, and capital action levers (dividends, issuances, risk transfer options).
• Produce forward‑looking capital trajectories for Treasury Committee, GRCMC, and Board submissions.

Committee Packs & Executive Storytelling

Lead development and review of capital-related content for:

• Treasury Committee
• GRCMC
• Group and Bank Boards (supporting the Head)
• Ensure messages are decision-useful: risks, trade-offs, actions, and triggers.
• Translate technical capital movements into clear executive narratives.

ICAAP Coordination & Quality Assurance (Under Head Ownership)

• Lead QA of ICAAP quantitative schedules and narrative coherence; ensure alignment to regulatory expectations and internal frameworks.
• Prepare ICAAP governance packs and support readiness for onsite / regulator queries.
• Ensure methodological consistency across capital modelling, stress testing, governance evidence, and documentation.
• Ensure alignment between Finance, Risk, Treasury, and Model Development teams.

People Leadership & Capability Building

• Coach AVPs/analysts on capital frameworks, controls, and storytelling.
• Set standards for working paper quality, sign-off discipline, and continuous improvement.

Core Deliverables

• High-confidence monthly flash pack and management narrative.
• Strong governance over inputs to BA returns and internal capital metrics.
• ICAAP inputs compiled with tight project control, consistency, and evidence readiness.
• Board/committee-quality packs with clear decisions and risk signals.

Qualifications & Experience

• CA(SA), CFA, FRM/PRM, or equivalent NQF Level 7+.
• 5–8 years relevant experience in capital management, regulatory reporting, treasury, or risk.
• Demonstrated experience leading deliverables across multiple stakeholders and tight regulatory timelines.

Skills & Competencies

• Deep knowledge of capital frameworks, ICAAP principles, buffers, and reporting governance.
• Strong control mindset (RDARR/BCBS239) and audit readiness.
• High-quality written communication and executive-level storytelling.
• Ability to challenge, influence, and drive outcomes across functions.

Education

• Postgraduate Degrees and Professional Qualifications: Financial Sciences (Required)

End Date: February 9, 2026 

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Job Summary

• As a senior manager the expectation is to perform model validations, and lead other analysts in their validation work, in accordance with the model risk policy, framework and standards for the specific model type.
• Within validation the incumbent will conduct validations on a diverse range of AGL models, produce validation reports, negotiate the findings & actions with internal and external stakeholders and influence the continuous improvement of model quality & use.
• In addition to performing own validation, as a senior manager, you will be expected to lead, guide, assist and development junior validation analysts in the performance of their assigned work.
• These areas make use of a wide range of models (Regulatory Capital, Economic Capital, impairments, pricing, behavioral, application, stress-testing, valuation, derivatives, insurance risk, etc.) and cover products used across all of AGLs business units.
• This role is ideal for a candidate that wants to develop multi-dimensional skillset, is looking for a role that provides great visibility within the firm, exposure to managing others and wants to be in a position that will promote big-picture strategic thinking.

Job Description

Accountability: Model Validation/Monitoring

• Execute validation/monitoring of models assigned to you by following each step in accordance to the IVU process. Specifically, ensure that all information required for the validation/monitoring is available on time, as received from Model Owner (MO) and/or Model Development (MD).
• Ensure submission and completion milestones have been communicated to relevant stakeholders for the models assigned to you.
• Complete assigned models on time according to the IVU planning schedule.
• Use agreed templates and tools.
• Validate/monitor models in accordance to internal and external requirements (e.g. as set out in the Group Model Risk Policy - GMRP and associated standards, Basel regulations, Prudential Authority - PA regulations long-forms, IFRS9, etc.).
• Strive for a computationally accurate analysis which does not require recalculation as part of management review.
• Strive to produce a quality report requiring minimum corrections as part of management review. Ensure the report is palatable for the intended audience.
• Clearly document model recommendations/findings and relevance thereof to model use and portfolio decision making. Agree resolution actions and resolution timelines with affected counterparties and document these in the report. Focus on significant findings and minimize the number of significant findings missed as part of the process.
• Ensure that all findings that are resolved are evidenced and that you have checked and recorded as such.
• Give input into the following processes: Annual PA Self-Assessment, Long Form Audits, etc.
• Provide input into improving qualitative and quantitative measures used to measure model performance and model risk.
• Deliver ad-hoc and management requests timeously and to the required standard of quality.
• Present validation/monitoring outcome and findings at forums when required.
• Good writing and communication skills for presentation to Executives.

Accountability: Supervisory

• Supervise/assist analysts (AVPs) to ensure timeous and quality delivery of validation/monitoring outputs. Be consistent in terms of guidance and standards.
• Ensure the analysts (AVPs) follow each step in accordance to the IVU process.
• Review tests/analyses as completed by analyst and ensure all testing areas are adequately assessed.
• Review reports for completeness, accuracy and relevance, ensuring a quality report requiring minimum corrections as part of line manager review.
• Set up feedback sessions/checkpoints, implement all feedback, or acknowledge and reason why feedback was not implemented.
• Accountability for project milestone, control and outcome management.
• Ensure significant findings are identified and discussed early in the process.
• Offer technical and professional guidance to less experienced staff.
• Drive the achievement of key objectives, as specified by IVU management.
• Drive professional (softer skills) development of less experienced staff.      

Accountability: Management of Stakeholder Relationships

• Maintain a professional relationship with all stakeholders. These include, but are not limited to, model owners, model developers, model approvers and audit.
• Effective communication of model findings to all stakeholders.
• Either address (where able and competent) or escalate material concerns or bottlenecks to line manager (or relevant stakeholder) as early as possible to enable actions to be taken pre-emptively.
• Constructively challenge models and related processes. Engage with the stakeholders to get their perspective.
• On an ongoing basis, interact with internal stakeholders (e.g. model developers, IVU colleagues, model owners, model implementation, business representatives, etc.) to ensure common understanding of findings and concepts.
• Guide internal counterparties through relevant regulatory, policies, standards, sites and governance requirements.

Accountability: Development of Technical and Product Knowledge

• Develop own technical knowledge, regulatory/policy knowledge and softer skills independently from scheduled team training.
• Exposure to diverse range of models across different business areas.
• Be involved with new developments and initiatives within the bank.
• Shares own knowledge on informal and formal basis; support team’s overall development.
• Create a positive, engaging and challenging working environment.
• Drive best practice sharing and standardization across Absa Group.
• Proactively identify and escalate any conceptual or big picture risks (incl. changes to the regulatory landscape) in respect of IVU and AGL.
• Facilitate investigation and implementation of controls within other units to maximize early detection and mitigation of model risk.
• Provide assistance to research projects conducted by students from different universities. 
• Strive to receive regular 360 feedback to facilitate sight of blind spots and develop oneself.
• Actively seek to understand management and stakeholders need first, communicate to be aware of changes in needs and deliver to meet these needs.
• Attend and actively participate in citizenship/training events.
• Actively manage soft skills development.
• Ensure simple administrative issues are addressed adequately and within agreed timelines - such as performance review process, completion of assigned training etc.
• Work with managers in the team to achieve excellent business results through continuous people development and mentoring activities.

Behaviorally, focus on the following:

• Be objective and factual in terms of one’s opinion/communications.
• Be open-minded in interactions. Be prepared to listen and be challenged.
• Be supportive and helpful.
• Be risk-focused.
• Understand stakeholders’ needs.
• Involved in the recruiting process of AVPs around IVU. Conducting first round interviews with senior VPs.

Preferred Education

• B.Sc. Honours/ Masters Degree in Statistics, Econometrics, Mathematics, Actuarial science or other quantitative fields.

Preferred Experience:

• Minimum 6 years of relevant experience in risk modelling, risk model validation and/or risk analytics.
• Previous exposure to models and model risk is an advantage.

Knowledge and Skills:

• Proficient in MS Excel
• Proficiency in MS Office Suite
• Proficient in programming, e.g. SAS, VBA, MATLAB, C++, R, and Python.
• An exceptional technical quantitative skillset
• Experience in leading teams/projects and taking accountability for delivery through others

Education

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

End Date: February 16, 2026

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Job Summary

• To develop tactical strategy and delivery plans, formulate associated practice/s and to ensure operational implementation and adoption i.t.o. forensic methodology, governance and delivery objectives.

Job Description

People Management:  

• Manage a team to ensure effective delivery of services to Stakeholders Determine and analyse development needs for the team and ensure that identified training requirements are budgeted for and executed.
• Develop a high performing team by embedding formal performance development and informal coaching.
• Encourage frequent knowledge sharing between team members.
• Review and maintain succession plans for one level below.

Business Management:

• Translate set strategy into operational business plans.
• Constantly review the number of cases reported to improve the investigation methodologies, criteria and adjust accordingly to a risk- bases approach.
• Conduct monthly oversight reviews with direct reports to understand the business performance and support them to develop corrective actions where required.

Stakeholder Management:   

• Engage and communicate the department’s philosophy to direct reports/stakeholders and ensure they understand the responsibility of the department vs.
• Business Unity responsibility.
• Interact with counterparts in the industry to share information, engender co-operation to gain a common understanding of the threats and risks.
• Build and maintain relationships with other external parties (e.g. SA Police Services, SA Revenue Services, National Prosecuting Authority Asset Forfeiture Unit) to ensure that co-operation can be obtained when required for key investigations.
• Ensure vendor management through monthly vendor meetings and monitor tasks allocated.

Operational Oversight and Guidance:  

• Assess and update the investigative policies/procedures and ensure implementation and adherence.
• Ensure that minimum investigation standards are set and adhered to.
• For sensitive or high risk cases (on an ad hoc basis or when tasked by management) execute the investigation activities end-to-end or, if appropriate, delegate to one of the direct reports. Ensure that feedback is provided to management/stakeholder in so far as high level/sensitive cases are concerned.
• Provide suitable training material, best practice activity and advisory services to the Forensic function in the area of your expertise.

Investigation:  

• Provide Group wide investigation capability and lead, into significant and sensitive fraud, theft and corruption cases.
• Ensure that matters where there is a significant fraud loss to the Bank, that a Steerco is established, comprising of all relevant stakeholders, to ensure that there is proper management over such cases and that recovery efforts are maximised.
• Ensure that any control failures identified during the course of an investigation are immediately brought to the attention of Fraud Strategy / responsible business unit. Continuously evaluate cases allocated to direct reports for investigation in line with set guidelines and standards.

Leadership Experience

• Minimum 3 years leading fraud investigations or operational teams
• Proven ability to manage, mentor, and develop a high-performing investigation team
• Experience in setting and managing team KPIs, workflows, and escalations
• Experience designing, implementing, and optimizing fraud investigation processes and controls
• Hands-on coordination with cross-functional teams (risk, underwriting, compliance, Fraud Strategy, Fraud Solutions)

Investigative Experience

• Minimum 7 years in fraud investigation related to vehicle finance and/or home loan application fraud
• Strong track record of identifying, investigating, and resolving complex fraud cases
• Deep knowledge of fraud typologies and investigative techniques relevant to asset finance

Networks

• Strong networks within the financial services industry and SAPS
• Ability to build strong foundational networks with both internal and external stakeholders

Qualifications

• Bachelor’s degree and;
• Industry qualifications like ACFE etc.

Education

• Bachelor`s Degrees and Advanced Diplomas: Law, Military Science and Security (Required)

End Date: February 13, 2026 

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Job Summary

• To deliver dynamic customer service by answering incoming calls timeously, resolving customer queries and upselling other idirect Insurance products on offer. Offer financial advice to the customer and handle retentions.

Job Description

• Customer satisfaction, call resolution, quality assurance of service and calls, and compliance. FAIS Fit and Proper Requirements Applicable to this Role (Advice and Intermediary Service): FSCA-Approved Qualification Regulatory Exam for Representatives (RE5) Experience As Per the FAIS Act Product Specific Training once Onboarded Class Of Business Training Continuous Professional Development Attest To Honesty, Integrity, and Good Standing

Education

• Further Education and Training Certificate (FETC)

End Date: February 6, 2026 

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Job Summary

• To deliver and ensure statutory tax compliance for an assigned portfolio of taxpayers in the Group or specific tax discipline within the business and provide tax advice where appropriate.

Job Description

Key Accountabilities

Financial and management reporting

• Reporting: Monthly Effective Tax Rate explanations for assigned cluster - providing guidance and support to Corporate and Investment Banking, Group Company (Hold Co) and SA Treasury.
• Providing tax disclosure for assigned cluster and subsidiaries.
• Preparing and distributing the required corporate tax reporting and disclosure on tax for the assigned portfolio / cluster in support of Financial Statements and SARS disclosures.
• Monitoring and consolidation of future tax relief and providing disclosure for Annual Financial Statement purposes for the consolidated Group results.
• Preparation of Bank Group and SA Group Subsidiary ETRs for consolidated result publications and commentary on a quarterly basis. Contributing to Board Packs in relation to corporate tax status (returns, filings and payments). • Assist with tax forecasts and effective tax rate attestations.
• Preparing bi-annual competitor analysis for consolidated group on effective tax rates.

Tax advice

• Provide advice on day-to-day income tax matters as and when required for portfolio of taxpayers.
• Support subsidiaries with tax issues when required and managing the SARS relationship and e-filing profile
• Attend and assist with tax related queries received from SARS or business.
• Manage external professional service providers on tax matters when applicable.

Income Tax compliance and administration.

• Complete and/or review and assist with the lodgement of income tax returns (annual income tax and provisional tax, including paragraph 19(3) replies) with regards to the portfolio of companies - CFCs of Absa Bank and Absa Group Companies included for all calculations and IT10 preparation.
• Update income tax templates and do maintenance, annual returns and provisional tax returns where applicable including external queries on allocated subsidiaries related information and computations. • Update database with payments made to tax authorities and monitor tax status of portfolio.
• Ensure the use of Konsise for tracking and bulk payments. Act as e-filing admin on all corporate income tax compliance related matters for the Group (e.g. Tax Clearance Certificates, refund banking detail verification, deregistration of taxpayers etc.)
• Attend to SARS queries and assist with lodging objections, appeals or VDP’s.

Networking

• Manage and develop relationships with the key business areas and the group.
• Maintain and enhance the existing relationship with SARS and External Tax Auditor personnel.

Training

• Provide training and tax presentations to the relevant business areas on the current tax legislation and updates on changes to the legislation.
• Complete all training requirements

Role/Person Specification

Education and Experience

• Bachelor’s degree in Accounting is essential
• Post-graduate degree or diploma in Income Tax is required
• Minimum 5 years’ experience in income tax compliance – SARS e-filing and correspondence • Corporate and investment banking tax experience and submission or preparation of returns will be advantageous

Knowledge and Skills

• Exceptional MS Excel skills including proficiency in macros
• Above average MS Office skills including Word and PowerPoint
• SARS e-filing experience required. Konsise, SAP, COUPA & BW knowledge will be beneficial.

Education

• Bachelor`s Degrees and Advanced Diplomas: Financial Sciences (Required)

End Date: February 3, 2026 

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Job Summary

• This role involves working closely with a team of distress restructuring specialists to partner on developing financial models that balance solution-orientated thinking with accuracy to a portfolio of companies experiencing financial distress to formulate client strategies and execute restructuring and turnaround strategies.

Job Description

Accountability Credit Management

• Analyse and were appropriate stress test client forecasts and short-term cash flows.
• Conduct strategic options analysis for distressed clients – including financial restructuring and exit strategies.
• Manage and monitor a portfolio of 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 advisors regarding the agreement to and implementation of strategy, to ensure properly mitigated credit risk for the Bank.
• Where appropriate, obtain customer’s agreement to the use of professionals including accountants, turnaround professionals, attorneys and property professionals.
• For turnaround customers, agree critical success factors in liaison with Relationship Executives, Regional Credit Managers and other Credit teams to ensure credit risk normalisation and relationship preservation. Obtain customer commitment and agreement to implement appropriate risk mitigation strategies and remedial actions to improve the client credit risk profile.
• Monitor customer progress against agreed strategies and action plans through analysis/appraisal of plans and budgets & cash flow.
• Identify where risk mitigation strategies have broken down and negotiate and implement remedial or corrective action in consultation with the client.
• Deliver high standards of credit quality for high-risk cases through the application of best practice to credit proposals.
• Make lending decisions within an appropriate personal mandate.
• Perform robust financial and non-financial analysis on the client that will support and underpin all new proposals in terms of the clients' credit risk implications by liaising closely with business to formulate Credit applications/proposals.
• Assess credit applications for WL clients within own mandate and approve or decline these applications or recommend to the appropriate sanctioning level.
• Facilitate the credit sanctioning process by responding to sanctioned enquiries i.e. non - acceptance of approved terms and conditions, applications and/or attend all relevant Credit meetings, where necessary, in order to present 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 to be submitted to Business 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 to be used to calculate impairments.
• Champion the Business Support team’s relationship with internal and external customers, develop a strong network of internal contacts, external and panel professionals to maximise financial benefit for the Bank.
• To drive the implementation of appropriate strategies and/or risk mitigation measures in the client portfolio with a view to reducing the Capital at Risk.
• Inputs into the fortnightly/monthly impairment forecasting, as required from time to time.
• 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 to time.
• Monitor the client’s business performance on a continuous basis, in addition to performing formal reviews at specified time intervals, to ensure early identification of changes to the client's risk profile.
• Analyse the clients' historical data i.e. financial statements to forecast 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 to the 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 to be 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.
• To manage the clients' value to Absa through optimising revenue opportunities i.e. pricing for risk in terms of the Pricing policy.
• Mitigate and manage the credit exposure to the Bank by adhering to the 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 to be adopted for a particular client.
• Maintain thorough, accurate and up to date 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.

Accountability: People and Stakeholder Engagement

• Ensure adherence to Absa’ values
• Raise local profile in the team as well as the broader Group Risk team and business partners.

Accountability: Governance

• Ensure that you only take decisions within delegated mandate.
• Ensure that you maintain standards in line with Absa policies and standards.
• Ensure that you follow and abide by processes and procedures.
• 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 to the appropriate authority e.g. Forensics.
• Provide bank codes and reports on clients, to other financial institutions as and when requested.
• Adhere to the Relationship Banking Credit Policy and other relevant legislation e.g. National Credit Act, Companies Act, Insolvency Act and other relevant legislation.
• Responsibility for adherence to governance, compliance and lending portfolio controls and MI as required from time to time

Education

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

End Date: February 9, 2026 

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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)

End Date: February 5, 2026

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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:
• origination efforts to quire new clients;
• cross-sell to existing client base;
• 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)

End Date: February 9, 2026

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Job Summary

• Support the Relationship Executive in the optimisation of profit and economic value for portfolios of High Value Business key account clients requiring high complexity commercial banking requirements by focusing:
• origination efforts to quire new clients;
• cross-sell to existing client base;
• coverage efforts to service clients in accordance to the segment CVP

Job Description

• Portfolio Management: Ensure appropriate management of respective portfolios that includes but not limited to client engagement, portfolio performance management, reporting and executing of client requirements
• Business Development: Agree financial targets/new business targets and set out tactical plans to achieve this on an annual basis
• Risk Management: Ensure that portfolio meets the required risk management standards

Education

• National Diplomas and Advanced Certificates: Business, Commerce and Management Studies

End Date: February 16, 2026 

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Job Summary

• Are you a Debt Structurer expert? Here is an exciting opportunity for you. In this role you will provide advice and support in banking practice formulation and associated best practice improvement tactics, enabling the provision of specialist expertise.

Job Description

• Provide technical advice to Lending Products teams nationally, with the aim of securing relevant transactions.
• Structuring of complex/focused funding solutions thereby assist teams with the enhancement of quality of service to existing and potential new clients.
• Active involvement and/or inputs into annual reviews, especially clients with large TFLs, and assistance with optimal refinancing or restructuring transactions and/or client accounts within existing debt portfolios.
• Incorporate market developments into qualitative financial analysis and/or stress testing, where applicable.
• Transfer of knowledge and upskilling initiatives to enhance Credit Origination capability, and support Lending Product Specialists, REs and CAs.
• Active establishment and maintenance of key stakeholder relationships.

Experience and Education Required

• CA(SA)
• Financial Statements Analysis and Modelling in a Lending environment

Education

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

End Date: February 11, 2026

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Job Summary

• An exciting opportunity to lead the PPB(Personal & Business Banking) Change Management Centre of Excellence (CMCoE) and digital adoption agenda by embedding the change vision, CM standards and methodologies, and driving data led digital adoption strategies across the organisation.
• This role ensures consistent, scalable change practices, accelerates usage of digital platforms, and strengthens customer and colleague experience through strong governance, capability building, and cross functional collaboration.

Job Description

Change Management Leadership (Change Management CoE)

• Implement and maintain the CMCoE vision, standards, and strategic alignment with organisational goals.
• Embed, frameworks, and capability requirements.
• Embed consistent, scalable change management practices across programmes and business units.
• Ensure measurable, insight led change readiness, adoption, and performance through transparent OKRs, KPIs, and leadership reporting.
• Foster a digital first culture by supporting internal adoption of digital tools.

Digital Adoption Strategy & Execution

• Develop and implement bank wide digital adoption strategies to increase usage of Absa’s digital products and services.
• Build a compelling digital value proposition by translating product features into clear customer and colleague proof points.
• Identify opportunities to scale adoption using data, insights, user behaviour, and market trends.
• Design and execute targeted digital and direct campaigns to drive digital usage, customer satisfaction, and retention.
• Drive continuous optimisation of digital engagement across channels.

Governance, Standards & Operating Model

• Implement and maintain the CM framework and governance, including standards, processes, controls, and ways of working aligned to enterprise delivery frameworks (e.g., ADKAR, PDLC)
• Design and evolve the CM operating model (RACI, service catalogue, engagement channels).
• Provide quality assurance through structured reviews, coaching, and formal checkpoints on change artefacts.

Methodology, Frameworks & Tools Stewardship

• Maintain CM frameworks (PCM, ADKAR integration, Lean Change, PDLC alignment).
• Develop and maintain toolkits, playbooks, guides, and templates to support practitioners and leaders.
• Conduct periodic reviews of methodologies and incorporate lessons learned and emerging best practices.
• Curate a centralised change management repository with best practices and reusable artefacts.

Change Delivery & Enablement

• Lead capability building initiatives to uplift change competencies across the organisation.
• Monitor progress through PCM dashboards, readiness assessments, and continuous feedback loops.
• Drive long term embedment through reinforcement actions and lessons learned reviews.

Cross Functional & Stakeholder Collaboration

• Partner with Marketing, Product, Technology, Operations, Customer Service, Branch Networks, and Group Digital teams to align adoption and change initiatives.
• Equip teams with tools, content, and knowledge to support digital conversations and customer guidance.
• Build shared ways of working that promote outcomes driven execution and collaboration across value chains.

Leadership, People & Partner Management

• Lead and mentor a team of digital adoption and change management specialists.
• Provide strategic guidance, performance management, and skills development.
• Manage third party partners and vendors, ensuring value creation and alignment to strategic goals.
• Champion innovation in change management, including data driven, AI enabled, and modern digital practices.

Skills & Competencies

Leadership & Strategy

• Strategic thinking, organisational alignment, portfolio level insight, strong senior level influence.
• Technical Change Management
• Deep knowledge of CM methodologies (ADKAR, Prosci, LCM).
• Skilled in designing frameworks, tools, standards, and operating models.
• Strong advisory, coaching, and facilitation capability.

People & Capability Building

• Expertise in capability development, stakeholder engagement, communication, and change leadership.
• Ability to build and sustain communities of practice and change networks.

Analytical & Innovation

• Strong measurement, data analysis, and insight generation capability.
• Continuous improvement mind set with understanding of digital, data, and AI enabled change tools.

Education

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

End Date: February 9, 2026

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Job Summary

• The role supports strategic goals in the sector. It involves positioning Absa as the preferred financial services provider through thought leadership, stakeholder interaction, and sector-specific solutions. The role also focuses on business growth, risk mitigation, innovative solutioning and providing technical expertise.

Job Description

Key Accountabilities

• Attract Quality New Business: Develop strategies, build client relationships, stay informed about products, complete applications, structure deals, and obtain necessary approvals.
• Market and Business Development: Identify new clients, perform financial analysis, structure acquisition terms, conduct due diligence, and ensure transactions align with the bank's risk appetite.
• Achieve Growth and Profitability Targets: Develop action plans, stay aware of market trends, generate leads, participate in marketing, and encourage cross-selling.
• Maintain Credit Risk: Manage risk profiles, adhere to credit policies, and assess client risk.
• Industry Excellence: Stay informed about financial products, analyse opportunities and risks, and share best practices.
• Networking and Relationship Building: Build relationships with stakeholders, develop client management plans, and maintain a stakeholder database.
• Support of Industry Affiliated Regional Managers & Relationship Executives: Implement engagement strategies, train sales force, assist with client retention, and mitigate sector risk.
• Career and Personal Development: Plan career development and participate in relevant training.
• Risk Management: Analyse sector specific entities, provide reports, conduct client needs analyses, manage high-risk accounts, and support disaster situations.
• Industry Excellence Information: Stay updated on industry changes, conduct competitor analysis, assist with sector-specific knowledge, and provide technical, economic, and financial information.

Education

• Bachelor`s Degrees and Advanced Diplomas: Agribusiness management

End Date: February 7, 2026 

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Job Summary

• The role supports strategic goals in the sector. It involves positioning Absa as the preferred financial services provider through thought leadership, stakeholder interaction, and sector-specific solutions. The role also focuses on business growth, risk mitigation, innovative solutioning and providing technical expertise.

Job Description

Key Accountabilities

• Attract Quality New Business: Develop strategies, build client relationships, stay informed about products, complete applications, structure deals, and obtain necessary approvals.
• Market and Business Development: Identify new clients, perform financial analysis, structure acquisition terms, conduct due diligence, and ensure transactions align with the bank's risk appetite.
• Achieve Growth and Profitability Targets: Develop action plans, stay aware of market trends, generate leads, participate in marketing, and encourage cross-selling.
• Maintain Credit Risk: Manage risk profiles, adhere to credit policies, and assess client risk.
• Industry Excellence: Stay informed about financial products, analyse opportunities and risks, and share best practices.
• Networking and Relationship Building: Build relationships with stakeholders, develop client management plans, and maintain a stakeholder database.
• Support of Industry Affiliated Regional Managers & Relationship Executives: Implement engagement strategies, train sales force, assist with client retention, and mitigate sector risk.
• Career and Personal Development: Plan career development and participate in relevant training.
• Risk Management: Analyse sector specific entities, provide reports, conduct client needs analyses, manage high-risk accounts, and support disaster situations.
• Industry Excellence Information: Stay updated on industry changes, conduct competitor analysis, assist with sector-specific knowledge, and provide technical, economic, and financial information.

Education

• Bachelor`s Degrees and Advanced Diplomas: Agribusiness management

End Date: February 7, 2026 

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Job Summary

Job Description Summary

• To provide advice and support in practice formulation and associated best practice improvement tactics; enabling the provision of specialist economic expertise.

Job Description

• Research Planning and Direction: Conduct research into companies and financial market pricing by sourcing information from business / investments magazines, networks and the internet in order to understand the factors which influence prices.
• Research Feedback: Co-ordinate multiple, concurrent research projects and produce reports for various stakeholders when required regarding varied projects.
• Stakeholder engagement: Establish and manage relationships with both internal and external sources of information/industry role players and clients in order to source relevant information
• Data: Forecasts, analyses and documents economic conditions affecting industry and/or business groups of an organization. Performs modelling including decision trees and calculations, extracts data from literature and primary sources to prepare and present to management. Provides economic information based on research to all divisions of the organisation. Responsibilities include general economic research on domestic/international developments using econometric techniques and models. Reports on fundamental and cyclical aspects of the domestic/international economy to management and clients. May supervise and manage less experienced economists in the division.

Requirement:

• At least a Master's Degree in Agricultural Economics (Mcom or Msc) 
• Experience at least 5 - 8 years as Economist 
• Writing skills - mastery (would be advantage if it is in Afrikaans and English) 
• Mastery in public speaking - radio, television, in front of big groups, smaller groups and one on one senior execs internal as well as external 
• Would be advantage if he/she is competent in AI 
• The ability to work with big data sets and to modernise data bases 
• Ability to capture, process and interpret data and information to put in short-, medium- and long-term trends 
• Ability to collaborate and build networks in the industry 
• Good understanding of ESG in agriculture and practical application from financier as well as primary producer level 
• Mastery in producing thought leadership.

Education

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

End Date: February 7, 2026

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Job Summary

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

Job Description

• Relationship Management: Own the primary relationship with the client by being the client’s main contact point for all corporate and investment banking needs.
• Client Solutioning: Take overall accountability for service delivery by setting the rules of engagement for the cross functional team, which includes Transactional Banker, Credit Analyst, Segment Support Client Control Team, Client Service Consultant & Product & Sector teams.
• Manager Risk Assessment: Take ownership of the portfolio's risk management by ensuring a good understanding of both the Bank's and the clients regulatory and compliance environments 

Education

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

End Date: February 9, 2026

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Job Summary

• Participate in an internship programme in order to maximise individual and organisational development, through the execution of predefined internship objectives.

Job Description

Workplace experiences:

• Attend and participate in all workplace experiences against agreed development objectives

Learning:

• Attend and participate in all training and development interventions against agreed development objectives

Ad Hoc duties:

• Provide support to customers and team as required to ensure team performance on an ongoing basis

Administration:

• Effectively fulfil all required administrative duties, including tracking and reporting

Education

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

End Date: February 4, 2026

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Job Summary

• An opportunity has become available for an experienced Change Assurance Leader to join our Group’s Internal Audit Change Assurance team which is housed by the Internal Audit Information Technology team.
• The incumbent will evaluate all aspects of portfolio, program and project change, and operate within a collaborative, agile environment to deliver value-added opinions and recommendations.
• The role will focus on providing assurance over the Group’s Strategic Change Book of Work with an emphasis on Strategic Initiatives (from business case straight through to benefits realization). Additionally, Change Management (e.g. organizational changes, BAU changes), also form part of this portfolio.

Job Description

• You will provide effective assurance in line with the banks governance, risk management, and internal control processes and be responsible and accountable for the quality of the audit work performed by the audit team.
• Strong Leadership experience in managing teams and extensive knowledge of Change, IT Systems and Internal Controls is required to succeed in the role.
• Build strong stakeholder relationships at a senior level, manage stakeholder expectations, maintaining a balance between positive relationships and grounded, quality reporting
• Connecting the dots and sharing relevant insights, in support of the board reporting cycles
• Nurturing healthy Change Assurance practices in the team, but also creating wider capabilities in Internal Audit for Change Assurance
• Drive audit planning and the appropriate level of synthesis to support accurate audit opinions
• Drive the automation of Change Assurance practices within the portfolio, in alignment with the overall assurance objectives of the Function
• Create and promote a positive work culture within the team and contribute to the overall portfolio and Function culture
• Monitor and manage the wellbeing of all team members throughout the lockdown period and beyond
• Support the transformation of the internal audit function, in terms of future-fit skills, automation and culture
• Guide, review and approve work carried out on audit assignments to ensure the scope of work is appropriate, controls are correctly identified, assessed and carried out in accordance with IA Methodology, policies, professional standards and budget
• Apply interpretive thinking to enable problem solving in complex and sensitive situations; act as point of escalation where senior leadership is required
• Promote a culture of efficiency through use of expert knowledge, agile and automated auditing techniques and commercial drivers to focus and deliver the audit plan and support the IA strategic direction
• Build relationships with the business on key initiatives, attending key committees and sharing their view of the business’s control assessments
• Actively contribute to the wider talent development of the team through coaching, mentoring, providing constructive feedback
• Attract and retain talented individuals who can contribute to the Change Assurance capability of the future, building a strong pipeline of skills and capabilities

 Experience and Qualification:

• The ideal candidate should have strong technical audit skills combined with the ability to understand the role of the PMO (Project Management Office) and core strategic change capability.
• Relevant graduate and post graduate qualifications
• 10 to 15 years plus assurance experience, of which at least three should have been in a senior project assurance capacity
• Supporting project management certification, e.g. PMP, Prince2 or DSDM. 

Education

• Postgraduate Degrees and Professional Qualifications: Financial Sciences (Required), Postgraduate Degrees and Professional Qualifications: Statistics (Required)

End Date: February 14, 2026

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Job Summary

• To oversee the ARO Retail monthly Expected Credit Loss calculations and the management of period end reporting and administration of the governance forums. To co-ordinate, review and challenge and interlock on impairments the ARO Retail’s integrated planning process (Short & Medium-Term Planning & Risk Adjusted Forecasts).

Job Description

Impairments:

• Establish monthly ECL Estimates as per the IFRS9 standard and the Group’s retail impairment policy across all ARO Retail and SME products through independent and collaborative efforts with ARO countries.
• Ensure impairments parameters (PDs, LGDs, EADs, Discount rate, macro factors, and coverage ratios) are refreshed as per the agreed timetable.
• Support ARO Retail Risk, Finance and Business stakeholders by communicating final impairment numbers on a monthly basis
• Support ARO Retail Risk, Finance & Business stakeholders by resolving impairment related queries.
• Establish an appropriate forum for the consideration of impairment management information (MI) with all subsequent actions appropriately identified, documented and implemented.
• Plan, co-ordinate and prioritize projects/initiatives within specific environments and ensure regular feedback to stakeholders as well as status of projects are communicated.
• Ensure compliance to prescribed policy by liaising with Group’s policy and technical accounting.
• Understand collection’s strategies and impact on the portfolio and recommend changes where necessary by engaging respective collections teams
• Ensure the proper governance, control and independent validation of management adjustments that are used as model over/underlays

Reporting & MI

• Enable analytics and a deep understanding of the portfolio that allows for prompt and complete response to queries raised by key stakeholders.
• Manage Ad-hoc queries within the monthly cycle of deliverables given the monthly reporting timelines for delivery through applicable and available resources.
• Identify MI shortfalls and drive for inclusion with the data team to enable robust and improving portfolio analytics.
• Oversee/review the reporting function of the ARO Retail portfolios to ensure consistent and accurate data with insightful and robust commentary.
• Engage across the ARO countries to ensure consistent reporting definitions.

Model and data Validation/ Review

• Challenge models to be best in class
• Identify, analyze and drive issues with modelling and implementation teams
• Develop an understanding of data and make recommendations to resolve data integrity issues
• Contribute to model governance process, data management and integrity. Validate performance existing IFRS9 models and recommend changes or enhance where applicable.
• People Management
• Ensure delivery of business goals by aligning Performance Development (PD) Plans of direct reports to the business goals.
• Instill a performance development culture through directing performance development process and adhering to PD Calendar.
• Proactively identify development gaps of direct report and assist shape development plans.
• With assistance from HR Business Partner attract and retain talent and build succession plans

Relationships and Stakeholder Management

• Liaise and engage with various internal Stakeholders (e.g., ARO in-country risk teams, ARO Exco, Business Exco, IT) to secure their respective support.
• Secure support from MI, Business & Finance teams, in-country risk teams deliver accurate and robust MI and Impairments (analysis and figures).

Governance and Compliance

• Test and audit the implementation of models, MI and processes and provide reports to governance committees to ensure that ECL estimates, and policies are compliant with the Group’s policies.
• Attend the Bank Forums to seek out and share best practices.
• Ensure that there is compliance with all internal policies and procedures in the team and provide coaching and feedback on how to improve compliance through the continuous review of activities/strategies.
• Ensure that all local regulatory and PA requirements are complied with through engagement with business, legal partners and in-country risk teams.
• Support Risk reviews as it relates to impairment during external / internal audit engagements.
• Perform all other duties as reasonably assigned

Education

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

End Date: February 10, 2026