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 Description
- Sales Target : Proactively make self-initiated contact with customers in order to deliver against the required sales targets
- Collaboration : Constantly seek to improve ways of working by challenging the status quo and supporting an empowering climate within the team, sharing knowledge, experience, best practice and providing constructive feedback as required.
- Compliance and Risk Management: Fulfil all activities in adherence to relevant control and compliance requirements, and quality standards
- Customer Experience: To provide service excellence and achieve customer satisfaction
Education
- Further Education and Training Certificate (FETC): Business, Commerce and Management Studies
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Job Description
- Financial Goals Business Risk Customer Satisfaction Colleague Support
Education
- Further Education and Training Certificate (FETC)
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Job Description
- Identify and qualify national tender, RFP, and large‑scale procurement opportunities across public and private sectors.
- Proactively track upcoming tenders and maintain a national tender pipeline.
- Support AVMS national growth objectives through targeted tender participation.
- Manage the full tender lifecycle from opportunity assessment to final submission.
- Coordinate internal inputs including pricing, credit, legal, risk, operations, and product.
- Ensure submissions are complete, accurate, and submitted within required timelines.
- Translate tender requirements into fit‑for‑purpose fleet and leasing solutions.
- Support commercial structuring, pricing assumptions, and value propositions.
- Ensure solutions balance competitiveness, profitability, and risk appetite.
- Ensure all tender submissions comply with Absa policies, governance standards, and regulatory requirements.
- Manage adherence to procurement rules, B‑BBEE, ESG, and contractual obligations.
- Maintain audit‑ready documentation and approval records.
- Partner closely with AVMS sales teams, Relationship Banking, and specialist support functions.
- Act as the central coordination point between internal stakeholders and external procurement bodies.
- Provide feedback and insights from tenders to inform product and proposition development.
- Track tender success rates, conversion metrics, and value secured.
- Provide regular reporting and insights on tender performance to management.
- Identify trends, risks, and improvement opportunities to enhance future submissions.
Education and Experience Required
- Bachelor's Degree: Business, Commerce and Management Studies
Preferred Experience
- Minimum 6 – 8 years in tender management, business development, or structured B2B sales environments.
- Proven experience managing complex RFPs, RFIs, and tenders within financial services, fleet management, leasing, or asset finance.
- Strong understanding of public sector and corporate procurement processes.
- Experience working within a regulated banking or financial services environment.
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Job Description
- Apply critical thinking, design thinking and problem solving skills in an agile team environment to solve technical problems (Front End, Back End OR Middleware) with high quality solutions
- Work with integrated teams to improve and evolve technical products and services
- Stay ahead of the curve on emerging technologies and continuously evolve existing knowledge & skill in preparation for cross domain and other experiences
- Conduct peer reviews, testing, problem solving within and across the broader team
- Update / Design all application documentation aligned to the organization technical standards and risk / governance frameworks
- Participate in incident management & DR activity – applying critical thinking, problem solving & technical expertise to get to the bottom of major incidents and root cause analysis
- User Support: Provide first-level techincal support for Coupa users by addressing their inquiries, issues, and requests through various communication channels (Incident Management, email, phone, or chat).
- Troubleshooting: Identify, analyze, and resolve user-reported problems related to the Coupa platform, including system errors, access issues, and functional inquiries.
- Documentation: Create and maintain detailed documentation for common issues and solutions to assist both users and other support team members.
- Training: Assist in the development and delivery of user training materials and sessions to ensure users can effectively utilize Coupa features.
- Data Analysis: Review and analyze Coupa data to identify trends, potential problems, and areas for process improvement.
- Collaboration: Work closely with Level 2 & 3 support and Coupa administrators to escalate and resolve complex issues.
- Process Improvement: Contribute to the continuous improvement of Coupa-related processes and suggest enhancements to optimize user experience.
- Compliance: Ensure that Coupa usage is in compliance with company policies and industry regulations.
Education & Experience Required
- 1-2 years + experience
- Relevant B-Degree (BComm Informatics/ Computer Science/ Engineering) preferred but not essential if minimum requirements of experience & practical application in the following is evident:
- Some experience / understanding with appropriate unit testing framework(s)
- Affinity for debugging and problem-solving.
- Acted in minor project management roles
- Basic understanding of ERP technologies & integration
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Job Description
- People Management: Lead, coach, and develop a high-performing sales team to achieve business objectives, while fostering continuous professional growth, accountability, and compliance standards.
- Client Relationship Management & Retention: Drive client satisfaction and retention within the region by ensuring the delivery of suitable insurance solutions aligned to client needs and service excellence standards.
- New Business Development: Grow the portfolio by actively managing lead sources, converting opportunities, and unlocking new business through strategic relationships and prospecting initiatives.
- Client Portfolio Optimisation: Promote needs-based selling by encouraging comprehensive risk assessments and tailored product solutions across diverse client portfolios.
- Value Proposition & Cross-Selling: Maximise revenue opportunities by driving effective cross-selling across Absa business units, ensuring clients benefit from integrated financial solutions.
- Stakeholder Engagement & Networking: Build and maintain strong relationships with both internal teams and external partners to ensure product relevance, client-centric solutions, and market competitiveness.
- Business Continuity & Growth: Strengthen operational effectiveness through strategic alliances and collaboration, ensuring sustainable business growth and continuity.
- Performance & Target Management: Monitor and manage sales, reviews and service performance against targets, providing insights, guidance, and resource optimisation to ensure consistent delivery.
- Compliance & Governance: Ensure full adherence to regulatory requirements, FAIS standards, and internal business processes, maintaining a culture of compliance within the sales team.
Job Requirements
- FAIS Fit and Proper Requirements Applicable to this Role (Advice and Intermediary Service):
- FSCA-Approved Qualification Regulatory Exam for Representatives (RE5)
- FSCA-Approved Qualification Regulatory Exam for Key Individuals (RE1)
- NQF6 Organisational Risk Practitioner Qualification or Degree in Insurance
- Experience As Per the FAIS Act Product Specific Training
- Class Of Business Training for applicable insurance product categories once onboarded
- Continuous Professional Development
- Attest To Honesty, Integrity, and Good Standing
Minimum Qualification
- NQF5 in Short-term Insurance advantageous NQF6
- RE5 with COB up to date
Minimum Experience
- 6 years’ experience in Commercial Insurance sales
- 2 years’ management experience
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Job Description
- Establish and maintain a professional relationship with all stakeholders (Client, Bankers, Insurers, and Life Advisers).
- In a virtual advice and hybrid model meets sales and/or growth targets. Apply practice management including all 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
- Valid Driver’s license and car
Minimum Qualification
- NQF5 in Short-term Insurance
- RE5 with COB up to date
Minimum Experience
- 3 years’ experience in Commercial Insurance sales
go to method of application »
Job Description
- Establish and maintain a professional relationship with all stakeholders (Client, Bankers, Insurers, and Life Advisers).
- In a virtual advice and hybrid model meets sales and/or growth targets. Apply practice management including all 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
- Valid Driver’s license and car
Minimum Qualification
- NQF5 in Short-term Insurance
- RE5 with COB up to date
Minimum Experience
- 3 years’ experience in Commercial Insurance sales
go to method of application »
Job Description
- Establish and maintain a professional relationship with all stakeholders (Client, Bankers, Insurers, and Life Advisers).
- In a virtual advice and hybrid model meets sales and/or growth targets. Apply practice management including all 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
- Valid Driver’s license and car
Minimum Qualification
- NQF5 in Short-term Insurance
- RE5 with COB up to date
Minimum Experience
- 5 years’ experience in Commercial Insurance sales
go to method of application »
KEY ACCOUNTABILITIES
Strategic Employee Relations Practice Leadership
- Translate ER strategy into standardised frameworks, toolkits and operating models aligned to Absa’s people and risk strategy.
- Shape and continuously evolve ER practice standards to ensure enterprise‑wide consistency and future readiness.
- Act as a senior ER authority on complex, sensitive and cross‑border matters with material organisational impact.
Complex and Precedent‑Setting Case Management
- Provide strategic management and quality assurance of high‑risk ER cases, including matters with litigation, reputational or regulatory exposure.
- Guide Line Managers and HC leaders and Practitioners on judgement calls where precedent, complexity or ambiguity exists.
- Intervene directly in matters requiring senior‑level credibility, neutrality and influence.
Governance, Risk and Labour Law Stewardship
- Ensure ER practices comply with labour legislation, internal policy, ethical standards and regulatory expectations across jurisdictions.
- Identify systemic ER risks and drive preventative, enterprise‑level mitigation strategies.
- Partner with Legal, Risk and Compliance to strengthen defensibility and governance maturity.
Senior Stakeholder Advisory and Influence
- Provide trusted ER counsel to senior leaders, executives and governance forums on sensitive people matters.
- Influence decision‑making by balancing commercial, legal, cultural and employee considerations.
- Represent ER perspectives in strategic people and risk discussions at enterprise level.
ER Insights, Analytics and Preventative Interventions
- Analyse ER data and trends to identify root causes, emerging risks and capability gaps.
- Design and sponsor preventative interventions to reduce future disputes and improve organisational climate.
- Monitor effectiveness of ER strategies and adjust approaches based on insight and evidence.
Capability Building and Knowledge Leadership
- Lead the development of ER capability through coaching, mentoring and advanced practitioner training.
- Build investigation, disciplinary and advisory capability within HC and leadership communities.
- Drive continuous improvement by embedding lessons learned into policy, practice and learning programmes.
Education / Qualifications
- Bachelor’s Degree, Advanced Diploma, Postgraduate Certificate or BTech (NQF Level 7) in Human Resources, Labour Relations, Industrial Psychology, Law, or a related discipline.
Work Experience
- 5-12 years’ experience in employee relations, labour relations, governance or HR risk, including 3 years of experience in a relevant people management role.
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Job Description
- Liaise with Business Development Officer (BDO) / Relationship Executive (RE), clients and other stakeholders to understand the process or requirements of credit applications for all clients concerned.
- Conduct research on the industry in which the client operates to understand the industries overall profitability, industry trends and client’s market standing relative to its competitors.
- Perform robust financial and non-financial analysis on the client that will support and underpin all new proposals for commercial asset finance in terms of the clients’ credit risk implications.
- Maker use of clients’ historical data for example, its financial statements to forecast the clients potential growth and sustainability. Conduct a sensitivity/scenario analysis to determine the impact that a change, in for example the economy, political situation, consumer demand, etc. will have on the clients’ financial health.
- Based on analysis conducted structure a commercial asset finance lending solution for the client, that will account for the potential threats to the client and that is within set credit limits and the Bank’s credit lending policies and appetite.
- Ensure that all of the Bank’s credit policies and philosophy are fully complied with at all times, and that any policy breaches have been suitably addressed and mitigated against.
- Ensure adherence to the Absa Business Bank credit Policy and other relevant legislation, for example during the application preparation process.
- Communicate to the RE / BDO Consultants the credit committee’s decision either through e-mail or a written document, where required.
- Provide weekly status report to the Regional Managers indicating completed work, work in progress and pending credit applications, as well as approval ratios.
Education
- Bachelor`s Degrees and Advanced Diplomas: Business, Commerce and Management Studies (Required)
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Job Description
- Financial Goals Business Risk Customer Satisfaction Colleague Support
Education
- Further Education and Training Certificate (FETC): Business, Commerce and Management Studies (Required)
go to method of application »
Job Description
- Financial Goals Business Risk Customer Satisfaction Colleague Support
Education
- Further Education and Training Certificate (FETC)
go to method of application »
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 Description
Risk Management:
- Providing subject matter expertise to risk types in accordance with Enterprise Risk Management Framework (ERMF).
- Responsible for development and coordination of risk management programmes and ensures that risk management programmes are designed to identify risk exposures at a process level and perform a risk and control self-assessment to determine the residual risk which must be controlled by means of internal control measures.
- Providing management with accurate risk information for effective decision-making on internal controls
- Facilitate the identification, assessment and relevant mitigation of operational risk in line with Enterprise Risk Management Framework (ERMF) and ensure alignment with the risk and control library.
- Ensure that key risks and controls are identified, documented and assessed regularly in line with Critical Process Assessment (CPA), Management Control Assessment (MCA), Risk and Control Self-Assessment (RCSA) standards and policies.
- Identify, assess and report key risks arising from significant events, investigations, and audit, material and control issues.
- Identify control gaps in processes and recommend remedial actions.
- Develop and recommend appropriate Key Risk Indicators (KRIs) if relevant (including the revision of thresholds when required).
- Keep appropriate risk management system(s) up-to-date with all ORMF components: Risk Events, Issues, Actions and etc.
- Analyse and investigate the causes for operational events/ breakdowns, ensuring that operational events are adequately addressed with both a long -term sustainable solution and interim mitigating controls.
- Develop strategic and tactical responses with management to address risk exposures.
- Ensure the business continuity plan is updated and tested.
- Provide input into risk policies, strategies and measurement methodologies.
- Drive the value of risk awareness for the team through formal and informal training as may be required.
- Challenge BU management to drive prioritisation and mitigation of key risks.
- Monitor both internal and external environments in order to identify emerging risks, trends and best practices and report timeously to relevant business stakeholders.
- Assist in reviewing business initiatives and proposals, including new, amendment, review of products.
Governance and Reporting
- Source information and compile the risk reports and ensure data quality and accuracy of reporting on an ongoing basis.
- Prepare the risk profile reporting for the relevant stakeholders/committees.
- Ensure minutes, action log and decision log for Risk meetings are clearly articulated and completed, adopted as set-out in the Terms of Reference.
- Ensure that the Central Action Tracker is up to date and feedback on progress obtained on regular intervals. Escalate any actions that may possibly go overdue as indicated by management.
- Complete the monthly Risk Events Reconciliation, Management Control Assessment (MCA), Risk Events and Issue Trackers, Risk Self-Assessments and ensure supporting evidence is provided.
- Ensure mandatory escalation required by Operational Risk Management Framework (ORMF) is performed. (Losses above threshold, indicators above threshold)
- Provide updated feedback to relevant governance committees on progress of significant items.
- Ensure adherence to all applicable policies, standards, frameworks, procedures and regulations.
- Facilitate and co-ordinate the integration of the business related risk requirements into the broader governance structures, and ensuring the evidencing of Principal Risk and Key risk-related decisions
- Log and report operational risk framework components onto the operational risk system and to the various committees.
- Monitor completion of mandatory training completion and follow up where necessary.
- Facilitate tabling of business initiatives and proposals, including new, amendment, review of products at respective governance structures.
Management Assurance / Internal Audit / External Audit Engagement
- Develop the Assurance Plan through consultation with the respective Savings and Investments management team and various assurance providers across the three lines of defence. Conduct 1LOD risk and processes assurance review in alignment with the combined assurance plans
- Plan the delivery of assigned assurances to a high quality and in line with Assurance Standard.
- Prepare announcement and scoping memos with key deliverables in terms of assurance timelines.
- Conduct walkthroughs to understand the area under review and risks inherent in the processes.
- Develop an in-depth knowledge of the business and use this knowledge to identify and assess risks and controls.
- Design and ensure the execution of approved sampling techniques, testing strategies on assurance reviews.
- Prepare detailed working papers for all assurance reviews to ensure a consistent testing approach in line with the Assurance Standard.
- Manage the internal audit, combined assurance, and compliance relationship; regular stakeholder engagement, drive the scope of audits,
- Ensure that findings are noted in the CPA’s, RCSA, Risk Packs and actions are tracked until resolution to ensure no overdues.
- Once actions and milestones are closed ensure that controls are amended to reflect the resolution of the action.
- Track progress of any action plans raised in the Operational Risk Self-assessment in order to move to full compliance.
Qualifications
Experience
- 3 – 5 years’ experience in risk/control environment within the Financial Services Industry is essential.
- Proactive, self-starter, able to show initiative and work with minimal guidance.
- Strong written and verbal communications skills, be able to write and present reports to Risk Committees
- The ability to work in a team is critical to success in this role.
- Computer proficiency: advanced Excel, Word and Power Point skills
- Capacity to work under pressure and meet deadlines.
- Solution-driven, passionate and energetic.
- Possess a strong sense of ownership and initiative.
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Job Description
- Financial Goals Business Risk Customer Satisfaction Colleague Support
Education
- Further Education and Training Certificate (FEC)
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Job Description
- Stakeholder Management: Actively promote and manage the collaborative engagement of internal and external stakeholders including, clients, business partners and other Absa business units Sales Target Proactively make self-initiated contact with customers in order to deliver against the required sales targets
- Compliance and Risk Management: Fulfil all activities in adherence to relevant control and compliance requirements, and quality standards.
- Customer Interaction provides information to potential home buyers and fasilitate the fulfilment of the Home Finance process, whilst keeping the customer informed of the status and progress of the application. The Hand Holder engages the input and involvement of specialists (i.e. credit, valuations, and fraud) when required to do so in finalising the fulfilment of the application. The Hand Holder will also liaise with external parties in the HL ownership process when required to ensure fulfilment.
Education
Further Education and Training Certificate (FETC): Business, Commerce and Management Studies (Required)
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Job Description
- Drive income growth by developing a deep understanding of clients’ working capital cycles, including seasonal and production-linked cycles typical in the agriculture sector, and broader business needs.
- Achieve and exceed performance targets in line with individual scorecards.
- Proactively drive client acquisition, retention, and cross-sell initiatives across enterprise clients, including agri clients, value chain participants, and related industries.
- Provide needs-based, value-adding solutions that enhance client outcomes (not product pushing), including solutions aligned to asset-based lending, crop cycles, and input financing where relevant.
- Deliver a consistently high-quality client experience, ensuring service requests and complaints are resolved within agreed service level agreements.
- Execute all activities in line with regulatory, compliance, and risk management requirements (including FAIS).
- Utilise digital tools, systems, and technology to enhance service delivery and operational efficiency.
- Collaborate with internal stakeholders (e.g., Credit, Risk, Product, Agri specialists where applicable) to structure appropriate solutions for clients.
- Continuously improve ways of working by challenging the status quo and sharing best practices.
Education
- Higher Diplomas: Business, Commerce and Management Studies (Required)
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Key Accountabilities
Strategy Design and Analysis
- Identify potential opportunities and areas of improvement using stakeholder input and data exploration, design and test appropriate solutions and strategies and contribute to correct implementation and monitoring of proposed solutions and strategies.
- Source and manipulate data using SQL, Statistical Analysis Software (SAS), R, Python, Microsoft Excel, database query tools, etc.
- Design and formulate innovative strategies using quantitative and qualitative results.
- Proactive stakeholder engagement to ensure that the strategy meets the business needs.
- Create and present quality presentations to various stakeholders.
- Test and implement strategies and set up monitoring.
- Update documentation and ensure risk processes are in line with external and internal requirements.
Ad-hoc Investigations and Reports
Education
- Bachelor’s Degree in Business or Mathematics or Statistics or Engineering or Risk Management or equivalent NQF level 7 qualification.
- Experience in data analysis utilizing a data focused programming languages such as SAS, R, Python, etc. Proficiency in SAS would be beneficial (1+ years).
- Experience in banking (especially vehicle finance / retail credit) would be beneficial (1+ years).
- Advanced computer literacy especially the Microsoft Office suite of programmes (MS Word, MS Excel, MS PowerPoint) (3+ years).
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Key Accountabilities
Outputs to deliver against the purpose (50%):
- Analyse and measure monthly impairment and capital numbers
- Understand impairment and capital drivers
- Forecast credit provision (impairment and capital) for the different budgeting periods, i.e. revised annual forecasts, short term plans (12 months) and medium term plans (60 months).
- Assist in setting collection targets (on and off balance sheet) in line with the budget.
- Analyse collections performance in line with risk appetite.
- Measure impacts of any credit policy change, including new and existing customer acquisition strategies as well as collections strategies.
- Calculate potential losses for once off risk events.
- Understanding of the accounting process and financial reporting (including disclosure reporting)
- Ad hoc analysis.
Stakeholder Management (20%):
- Liaise with various internal stakeholders (e.g. Risk Management, Credit Lending, Product Head, Collections, BU Finance) to convey impairment numbers and portfolio performance, the impact of model and other once off policy changes / events to these numbers, emerging risks, sign off impairment budgets, etc.
- Analyse and report impairment performance and trends to the Portfolio Manager and Head Risk Decision Support.
Analysis and Reporting (30%):
- Compile reports in line with the reporting requirements and portfolio measures for the product Risk Management team through the Absa committee structures.
- Ensure monthly Portfolio Performance Reports (with commentary) are completed in accordance with the agreed deadlines and required standards
- Ensure the development of MI as required.
- Produce monthly account level impairment and capital data and reports.
- Produce reports related to industry impairments to track performance relative to the market and to support risk appetite discussions.
Education
- Bachelor Honours Degree: BMI - Business Management and Informatics (Required)
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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)
Method of Application
Use the link(s) below to apply on company website.
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