Current Vacancies at Access Bank

Main Responsibilities:

ALIGN AND PLAN

• Own the definition and management of the IT Strategy that aligns with the business strategy and thereby providing IT leadership
• Design the overall IT Operating model and direct all the IT capabilities, i.e.
• Service Planning, Service Development, Cyber Security and Service Management
• Leads all IT-related contractual obligations, i.e. negotiating, renewing or terminating contracts
• Designs, establishes, and maintains the IT organisational structure and staffing to effectively accomplish the organisation's goals and objectives
• Develops, manages and reports against annual budgets and performs periodic cost and productivity analyses
• Effectively managing relationships, both internally and externally
• Develops and manages a proper IT Risk framework that aligns with the business’ chosen risk methodology with the aim of mitigating risk for the business
• Analyse and ensure development of IT alignment to revenue generating business strategies in all key business lines

DESIGN AND BUILD

• Accountable and responsible for all IT-related projects in terms of the management from inception to successful implementation.
• Ensure that new or changed services are designed and documented.
• Recommends and participates in the development of policies and procedures - may serve on planning and policy-making committees.
• Accountable for IT conceptualisation, innovation, design and build in support of new business lines to enable delivery of revenue targets

OPERATE AND SUPPORT

• Develop, manages and reports on key IT metrics to the COO and other executive committees.
• Directing the overall daily IT functions, ensuring compliance with regulations and business requirements and ensuring a resilient business.
• Ensures disaster recovery planning, testing and capabilities that will ensure Access Bank’s ability to perform its functions in a minimally disrupted manner during such an event at a level acceptable to the Bank, industry and key regulators.
• Represents the organisation at various internal forums, as well as externally at industry forums and regulatory agencies
• Monitors and evaluates operational effectiveness and effect changes required for improvement.
• Ownership and management of technical outsourced, ITAAS and other vendor partners (in cooperation with the relevant business owner) to ensure contract adherence, delivery against service standards and customer expectations.
• Ensure sufficient user support, training and communication is in place to manage organizational culture and behavior relating to cyber security

PEOPLE

• Ensure the efficient management of the IT team to maintain a high standard of excellence
• Development of direct subordinates to ensure consistent delivery throughout the business unit
• Form a key component of the Operations Cluster overall leadership team

Academic Knowledge:

• Tertiary qualification, preferably IT related
• A commerce-related or equivalent qualification would be advantageous

Work Experience:

• Extensive (10+) years IT management experience in a finance or customer focused environment
• Minimum of 3 – 5 years’ experience as CIO / Head: IT or senior IT management role in the Banking Industry
• IT Background gained in small and medium banks preferable
• Information Security experience (ISO 27001)
• IT Service Management (ISO 20000) experience
• Extensive knowledge of banking technologies

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Job Mission / Objective

• Reporting to the Executive: Retail & Alliance Banking, the Head: Retail Banking role is responsible for the development and management of the Retail Banking division of the Bank. The role will require understanding the role of retail banking in the overall Bank strategy, envisaging of the Bank’s retail banking strategy and offering, developing the organisational structures and capabilities to execute and deliver the results targeted.
• The incumbent will therefore design the go-to-market plans, driving growth and performance, aligning operational support and ensuring integrated commercial success. Ultimately responsible for the achievement of business objectives and targets within Retail Banking to ensure that the Bank achieves its overall objectives.

Business unit establishment and CVP

• Creation of the Retail Banking business unit strategy, implementation
• plan and value propositions aligned to strategy.
• Employees of Embassies
• Diaspora
• Low income & middle income market
• Employee banking CVP
• Staff banking (Group) CVP
• Wealth banking CVP
• Distribution channel
• Digital strategy
• Communities
• Develop optimal sales product mix per segment

Market engagement

• Engaging the market to align strategy to market needs, delivering an effective retail banking niche offering

Operational readiness

• Developing the necessary processes, procedures, policies and structures to ensure operational go-live of the Retail Banking CVP within the approved timelines.
• Ensuring the retail banking product range effectiveness measured as a quantitative and qualitative review of the product offering of the bank including strategy, implementation milestones and effectiveness of the product range of the Bank.
• Develop and implement a strong retail risk management framework.
• Creation of an effective performance reporting capability (financial, risk, customer, people) that can be used to optimize overall retail delivery.

People management

• Develop the proposed retail banking structure 5-year view.
• Develop the necessary relationships with stakeholders and partners in the business
• Staff management once appointed.
• Define and develop a service-based sales culture including customer service measures to monitor customer experience
• Define measurable business growth objectives and measures.

Business Planning/ Decision Making

• Business unit value proposition formulation and implementation
• Business unit organization design
• Business unit budget and forecasts
• Business unit plan and strategy formulation

Policies and Procedures

• Responsibility for all policies and procedures within area of responsibility

People Management

• Management of all business resources directly and indirectly involved in the Retail Banking division.
• Strong partnering skills to directly and / or indirectly manage outputs from peers, colleagues, and business partners.
• Enhancing the corporate and leadership culture of the Bank through leading in line with the Bank’s values and culture.
• Taking direct responsibility for fostering the growth of Access Bank talent by developing the staff under direct and indirect control through challenging work assignments, appropriate training interventions and opportunity creation for personal growth.

Requirements

Academic Knowledge:

• Minimum of 3-year tertiary education, ideally a commerce related degree. Post graduate qualifications (business) would be advantageous

Work Experience:

• Minimum of 15 years’ banking experience.
• Minimum of 10 years’ banking experience at a senior and executive management level in retail banking across a range of operational, project, customer-related and customer-facing disciplines.

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Main Responsibilities

Total financial performance, measured as income vs. target / budget

• Core banking financial performance
• Alliance banking financial performance

Operational performance, measured as a quantitative and qualitative review of the operational and technology performance of the bank.

• Operational performance aligned to business needs
• Performance vs. Industry benchmarks
• Operational risk management
• Delivery in compliance with regulatory requirements
• Commercial activities, measured as a quantitative and qualitative review of the management and effectiveness of the various commercial aspects of the organisation, including the realisation of agreed economic benefits to the organisation, the management of the risks to the organisation and the performance of agreements

Business strategy and integration:

• Business strategy, measured as a quantitative and qualitative review of the effectiveness of strategies and initiatives in support of business growth and customer acquisition.
• Operational and IT strategy, measured as a quantitative and qualitative review of the effectiveness of strategies and initiatives to align IT and operational processes, support and capacity to the business strategy.
• Business integration and extraction of efficiency across units, measured as a quantitative and qualitative review of coordination and cross-functional activities, business efficiency activities (e.g. BI) and other activities that improve the overall efficiency and performance of the business

Business Planning/ Decision Making

• Organisational business plan and strategy formulation
• Organisational and business unit organisation design
• Organisational and business unit budget and forecasts
• Business plan and budget formulation for operations, IT, joint ventures, etc

Policies and Procedures

• Management of all business resources directly and indirectly involved in the various areas of responsibility.
• Strong partnering skills to indirectly manage outputs from peers / colleagues in support of various areas of responsibility

Requirements

Academic Knowledge: 

• Minimum of a 3-year tertiary education, ideally a commerce related degree. Post graduate qualifications (business) would be advantageous

Work Experience: 

• Minimum of 15 years banking experience.
• Minimum of 10 years banking experience at a senior and executive management level in commercial and business banking across a range of operational, project, customer-related and customer-facing disciplines

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Requirements

Operational Support:

• Provide end-to-end operational support to emerging business clients, including account opening, transaction processing, and resolving operational issues.

Client Relationship Management:

• Assist Relationship Managers in maintaining and strengthening relationships with emerging business clients by addressing their banking needs and operational inquiries.

Process Optimization:

• Identify and implement process improvements to streamline banking operations for emerging business clients, ensuring efficient and effective service delivery.

Risk Management:

• Ensure compliance with regulatory requirements and internal policies while processing client transactions and managing client accounts

Transaction Management.

• Ensure compliance with all banking regulations, policies, and procedures, including anti-money laundering (AML) and know your-customer (KYC) requirements

Product Knowledge:

• Maintain a thorough understanding of the bank's products and services for emerging businesses to provide accurate information and recommend suitable solutions to clients.

Client Onboarding:

• Support the onboarding process for new emerging business clients, ensuring all documentation and compliance requirements are met.

Customer Service:

• Address client inquiries, resolve issues promptly, and provide exceptional customer service to enhance the overall client experience.

Reporting:

• Prepare and maintain reports on operational activities, client interactions, and process improvements for management review

Collaboration:

• Work closely with internal departments such as Compliance, Risk, and IT to ensure seamless banking operations for emerging business clients.

Educational Requirements:

• Typically, a minimum of a Grade 12 or equivalent.
• A financial FAIS accredited qualification such as a Bachelors` degree in Finance, Economics, or Business is preferred.

FAIS Compliance:

• The roles is FAIS Affected.
• Must be registered with the Financial Sector Conduct Authority (FSCA) and hold the necessary FAIS qualifications (e.g., RE exams, Fit & Proper requirements).

Work Experience:

• Minimum of 3-5 years of experience in banking operations, preferably within the emerging business or SME segment.
• Compliance: In-depth understanding of banking regulations and compliance requirements relevant to emerging businesses.
• Knowledge: Strong knowledge of banking products, services, and operational processes tailored to emerging businesses.

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Requirements

Operational Support:

• Provide end-to-end operational support to emerging business clients, including account opening, transaction processing, and resolving operational issues.

Client Relationship Management:

• Assist Relationship Managers in maintaining and strengthening relationships with emerging business clients by addressing their banking needs and operational inquiries.

Process Optimization:

• Identify and implement process improvements to streamline banking operations for emerging business clients, ensuring efficient and effective service delivery.

Risk Management:

• Ensure compliance with regulatory requirements and internal policies while processing client transactions and managing client accounts

Transaction Management.

• Ensure compliance with all banking regulations, policies, and procedures, including anti-money laundering (AML) and know your-customer (KYC) requirements

Product Knowledge:

• Maintain a thorough understanding of the bank's products and services for emerging businesses to provide accurate information and recommend suitable solutions to clients.

Client Onboarding:

• Support the onboarding process for new emerging business clients, ensuring all documentation and compliance requirements are met.

Customer Service:

• Address client inquiries, resolve issues promptly, and provide exceptional customer service to enhance the overall client experience.

Reporting:

• Prepare and maintain reports on operational activities, client interactions, and process improvements for management review

Collaboration:

• Work closely with internal departments such as Compliance, Risk, and IT to ensure seamless banking operations for emerging business clients.

Educational Requirements:

• Typically, a minimum of a Grade 12 or equivalent.
• A financial FAIS accredited qualification such as a Bachelors` degree in Finance, Economics, or Business is preferred.

FAIS Compliance:

• The roles is FAIS Affected.
• Must be registered with the Financial Sector Conduct Authority (FSCA) and hold the necessary FAIS qualifications (e.g., RE exams, Fit & Proper requirements).

Work Experience:

• Minimum of 3-5 years of experience in banking operations, preferably within the emerging business or SME segment.
• Compliance: In-depth understanding of banking regulations and compliance requirements relevant to emerging businesses.
• Knowledge: Strong knowledge of banking products, services, and operational processes tailored to emerging businesses.

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CLIENT FOCUS

ENTRENCHMENT:

• 5 converted leads for cross sell opportunities identified from client interactions (PoE).

BORROW FOR YOUR NEEDS:

• Enabling growth in risk assets (Rand value payouts) through quality FAM’s and meaningful financial analysis

CLIENT EXPERIENCE (15%)

• Internal service survey – feedback from RM’s on the quality of support.
• Customer rating of service – dipstick exercise outcome/Official survey.

 Analyzing of financial information and preparation of FAM.  

• Completion of FAM after loading by Operational Banker using information gleaned from the Call report submitted by the RM to the CA.
• Coordinate with all role players in the FAM approval process to ensure adherence to TAT’s and approval.
• Conduct full financial risk analysis of financial statements as contained in the facility application memorandum (FAM) 
• Complete analysis, findings and recommendations to Managers that involve a borrower’s ability to repay and help mitigate losses via suitable commentary in the FAM.
• Provide recommendations tied to analysis and assessment of credit risk.
• Manage adherence to covenants by clients as part of credit approval.
• Input date into the risk rating model and ensure debt service coverage ratio (DSCR) calculations are in order and meet the bank’s minimum requirements.
• Prepare profitability model.
• Interact with direct report and relevant Relationship Manager to obtain additional information to support financial analysis commentary.
• Capturing financial information in the risk rating model flowing from financial statements provided by the relationship manager.
• Ensuring that the correct risk grading is arrived at and captured in the FAM.
• Management of turnaround times within service level agreement.
• Provide meaningful financial commentary on FAMS.

Risk and Conduct 

• Understand and adhere to the appropriate Access Bank policies and standards applicable to the role.
• AML/TF adherence
• Completion of all compliance training
• Credit risk appetite – Credit loss ratio against budget 

Financial outcomes

• Asset growth – Balance Sheet performance – Performance to rolling forecast.
• Liabilities growth – Balance Sheet performance – Performance to rolling forecast

Academic Requirements

• Matric with further studies preferably a bachelor’s degree in finance, accounting, or related field.

Work Experience

• 5 years’ experience in business banking credit extension and a strong underlying credit analysis experience.

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Requirements

CREDIT RECOMMENDATION AND APPROVAL

• Personal to holder mandate as communicated in writing by Chief Risk Officer and Head: Credit Risk Management
• Credit Committee invitee in absence of Credit Manager
• Ensuring that the risk rating (RM3) and debt service cover ratio (DSCR) calculations plus all other supporting documentation submitted with a credit proposal is in order.

CREDIT MAINTENANCE

• Daily exception reports
• Loan arrear reports
• Group reports
• Joint responsibility for correctness of the bank’s collateral incorporating facility and quotation documentat
• Limit management and review
• Risk grading incorporating capture and checking on RM3 model
• Ensuring that the correct this grading is captured across all systems
• Effective and timely communication

OPERATIONAL / ADMINISTRATIVE

• Management of turnaround times within service level agreement
• Ensure accurate and timely provision of information to the Manager: Credit Operations for reporting to regulators, external auditors, finance department, executive and board
• Ensure all items on credit system are actioned timeously
• Ensure correctness of security quoted and receipt of supporting documentation for all proposals submitted on credit system
• Provide a meaningful recommendation on proposals submitted within recommendation mandate as advised by Credit Manager from time to time
• Ensuring risk-based pricing
• Ensuring adherence to all terms and conditions of sanction
• Timely receipts and analysis of debtor schedules and management accounts
• Monitoring of watch list accounts
• Loan account opening incorporating correctness of grids and fee recovery
• Control of forex linked facilities
• Preparation of agendas and packs for credit meetings
• Advances file maintenance and adherence to Credit file naming conventions
• Ensuring correctness of executive summary where necessary
• Performing any of any ad-hoc duties assigned by Head: Credit Risk Management or Credit Manager

STRATEGIC OBJECTIVES

• As communicated via the Chief Risk Officer and Head: Credit Risk Management

Academic Knowledge:

• Matric with further studies preferably a Bachelor’s degree

Work Experience:

• 3 years’ experience in lending field