Nedbank Group Limited is a bank holding company that operates as one of the four largest banking groups in South Africa. The company's shares have been listed on the JSE Limited since 1969. The group offers a wide range of wholesale and retail banking services through four main business clusters, namely Nedbank Corporate and Investment Banking, Nedbank Retai...
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Job Purpose
- Educate clients on the functionality of self-service digital solutions, whilst solving for their sales and service needs, in order to meet business goals and growing market share.
Job Responsibilities
Client Engagement:
- Respond to client needs by offering the right service and solution.
- Build client trust by applying your expertise and experience to do good for your client.
- Educate clients and potential clients on how to subscribe and service their account.
- Treat clients with respect, build trust, show care and humility in all client interactions.
- Help clients achieve their goals and grow financially.
- Own the client request end to end and route for alternative intervention if not equipped to service the client.
- Entrench clients and deliver value through cross selling.
- Facilitate the sales process by informing clients of the product features and benefits.
- Document client needs analysis and provide corresponding product solutions.
- Obtain referrals from existing clients as well as leads from other business units.
- Build, maintain and retain client relationships by keeping clients informed of progress or action taken regarding their applications, queries, and requests.
- Educate clients on the use of, secure, alternative, cost effective, time saving and convenient self-service channels.
- Collaborate with internal stakeholders to provide complete financial solutions for clients.
- Ensure great client experiences by making the client feel welcome, listened to, and owning and solving their financial problems.
- Ensure clients are onboarded in line with Nedbank's product strategy, policy, and procedure.
- Act with a client first mindset in all client engagements.
Nedbank Goals:
- Contribute to the success of Nedbank through meeting your service excellence, teamwork and personal development goals whilst adhering to Nedbank security, operational and compliance procedures, and policies.
- Develop, retain, and grow the business by delivering against individual and team goals that support a positive client experience.
- Increase market share of primary clients by entrenching clients through Core+ needs discussions, salary and debit order switching as well as enrolling clients on the various digital platforms.
- Identify and resolve work obstacles and problems through participating in team meetings, sharing information and reviewing performance against targets and standards.
- Ensure all sales activities are completed to plan, progress reviewed, and corrective action taken.
- Support the achievement of the sales and service strategy objectives and values.
- Enable Nedbank's strategy of being financial experts who do good.
- Covert leads into sustainable business for Nedbank in a responsible manner.
Risk and Compliance:
- Mitigate risks and meet legislative requirements (e.g. FICA, FAIS and Letter of Authority) by being accredited and updating and maintaining client information.
- Report suspicious transactions to the relevant department.
- Keep abreast of legislation and other industry changes that impacts on role by reading the relevant newsletters, communications, and training material.
- Manage risk by meeting technical, company standards, practices, and resource management (e.g. ultra-violet lights to identify false identity documents).
- Be a responsible employee by being compliant to Nedbank policies, controls, regulations, and banking legislation.
Essential Qualifications - NQF Level
Preferred Qualification
- FAIS Approved Qualification
Minimum Experience Level
- 1 - 2 years Retail/Banking Client Service, Sales, Relationship experience
Technical / Professional Knowledge
- Product sales skills
- Sales Strategies
- Product Knowledge
- Customer service principles
- Nedbank policies and procedures
- Customer relationship management
Behavioural Competencies
- Building Customer Loyalty
- Building Trusting Relationships
- Sales Persuasion
- Technology Savvy
- Planning and Organizing
- Adaptability
- Applied Learning
go to method of application »
Job Purpose
- To educate clients on the convenience, security and functionality of digital and self-service solutions; processing cash transactions and cash fulfillment (i.e.balancing and replenishment) and performing first line device maintenance in order to meet business goals and exceed the client expectations.
Job Responsibilities
Client Engagement:
- Address any concerns relating to the queue flow or digital devices.
- Assist client to download online applications and resolve any log in issues.
- Assist the client to buy value-added services (e.g. pre-paid data and airtime) online or through a self-service device.
- Assist the client to obtain statements, cards and other relevant documentation from self-service zones.
- Build and maintain client relationships by keeping clients informed of progress or action taken regarding their applications, queries and requests.
- Discover client's service and digital needs through connecting, understanding and delivering financial solutions with care.
- Educate clients and potential clients on how to subscribe and service their account.
- Educate clients on self-service, digital functionality and features.
- Facilitate a conversation with the client to assist them to complete their service needs online.
- Identify quality sales leads and enable cross-selling (without advising) through client engagement, fulfilling, making suggestions, referring to the relevant department for action and by capturing it on the client management system.
- Meet, greet, establish and clarify client needs and verify documentation and direct clients.
- Nurture strong, long-standing client relationships.
- Own the client request end to end and route for alternative intervention if not equipped to service the client.
- Provide knowledgeable client service that fosters mutual trust and confidence.
Business Operations:
- Accept and service cash transactions over the counter.
- Action control check list applicable to teller, enquiries and foreign functions daily.
- Balance and secure branch stock holding (e.g. cards).
- Control the queuing process and prioritise clients with special needs.
- Destroy old stock (e.g. cards) identified by reports.
- Enable the further processing of inter-bank transfers by preparing all transactional documents and originals (WASTE) in the required format by the required deadline for hand over to couriers.
- Ensure ATM/ID availability through balancing and loading of cash and attending to down devices by performing first line device maintenance support.
- Execute on cash management (i.e. Treasury and holdings), cash efficiency and recycling strategies within the store.
- Load cash, balance and provide first line device maintenance and replenishment of consumables of all store devices.
- Minimize losses and ensure corrective action is taken by declaring any discrepancies in cash holdings.
- Process client deposits, withdrawal, change for change and transfer requests by following relevant procedure and policies.
- Process client forex requests by following the relevant procedures and policies (e.g. FBN, bills and transfers).
Risk and Compliance:
- Mitigate risk by controlling counter and drop safe limits according to policy.
- Prevent fraud and losses by adhering to mandates, as well as client and transaction authentication procedures and policies.
Nedbank Goals:
- Act in the client's interest, inform the client, do what you say and promise, take accountability, and go the extra mile.
- Contribute to the success of Nedbank through meeting your service excellence, teamwork and personal development goals whilst adhering to Nedbank security, operational and compliance procedures and policies.
- Develop, retain and grow the business by delivering against individual and team goals that support a positive client experience.
- Improve digital enticement and migration volumes to self-service devices and online channels.
People Specification
Essential Qualifications - NQF Level
Preferred Qualification
- Banking Services (example, Higher Certificate in Banking Services - NQF5)
Minimum Experience Level
- 1 - 2 years
- Retail/Banking Client Service, Cash, Technology Savvy, 1st Line Problem Resolution experience. Where applicable, Foreign experience.
Technical / Professional Knowledge
- Customer service principles
- Product Knowledge
- Problem solving skills
- Relationship management
- Nedbank security policies and procedures
- Governance, Risk and Controls
- Forex product
Behavioural Competencies
- Building Customer Loyalty
- Earning Trust
- Collaborating
- Managing Work
- Adaptability
- Stress Tolerance
- Continuous Learning
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Job Purpose
- Nedbank Insurance is seeking an experienced Senior Risk Officer to provide support to the Head of Enterprise-wide Risk Management (ERM) to facilitate the effective implementation and management of the Enterprise Wide and Operational Risk Frameworks to manage current and emerging risks and assist Nedbank Insurance in achieving its objectives and strengthen its enterprise risk management capabilities.
- The successful candidate will be responsible for the implementation of risk management frameworks, policies, processes and procedures, and practices for non-financial risks across a range of business functions (i.e. including, but not limited to Operational Risk, Strategic Risk, Reputational Risk, Compliance & Regulatory Risk, Conduct Risk, Technology and Digital Risk, Cyber Risk, Data Risk, Sustainability (ESG) Risk, and excluding Liquidity & Funding Risk, Insurance Risk, Capital Risk, Credit Risk, and Market Risk).
Job Responsibilities
- Support the and Head of ERM in embedding a robust risk management culture and framework within the business.
- Implement and influence improvement of risk management frameworks, policies, and procedures in alignment with Nedbank Insurance’s strategic objectives and regulatory requirements, and that of the broader Nedbank organisation.
- Collaborate with various business units to embed effective risk management practices and ensure consistent application of risk processes across the organisation.
- Implement the Risk Change Management, Communication and Training Plan. Conduct risk workshops and training sessions to promote a robust risk culture and deepen the understanding of risk management throughout the division.
- Facilitate risk assessment i.e. the identification, analysis, assessment, and evaluation of non-financial risks, including, but not limited to Operational Risk, Strategic Risk, Reputational Risk, Compliance & Regulatory Risk, Conduct Risk, Technology and Digital Risk, Cyber Risk, Data Risk, Sustainability (ESG) Risk.
- Support business units in the mitigation of key risk exposures.
- Conduct assurance, including monitoring and review.
- Facilitate risk and control self-assessments (RCSAs)
- Drive effective loss data management, risk incident investigations, root cause analysis, and ensure effective remediation and lessons learned are documented and implemented.
- Prepare high-quality risk reports and dashboards for senior management and relevant governance committees.
- Monitor the implementation of agreed risk mitigation actions and track progress to completion, including tracking of audit issues to resolution.
- Stay abreast of emerging risks, regulatory changes, and industry best practices to ensure proactive management of the risk landscape.
- Assist in the development and testing of business continuity and crisis management plans as required.
- Support internal and external audit processes and regulatory inspections as required.
People Specification
Essential Qualifications - NQF Level
- Advanced Diplomas/National 1st Degrees
Preferred Qualification
- Bachelor’s degree in Risk Management, Finance, Business, or a related field (essential).
- Professional risk management certification is advantageous.
Essential Certifications
- Relevant professional bodies (SAICA, CISA, IRMSA, EISA, SAIFM)
Preferred Certifications
Minimum Experience Level
- At least 5 years’ experience in risk management within the financial services sector, with a strong focus on non-financial risk disciplines.
- Solid understanding of risk management frameworks (e.g., ISO 31000) and relevant regulatory requirements.
- Proven experience in implementing risk policies, procedures, and controls within a complex organisational environment.
- Knowledge of insurance industry.
Technical / Professional Knowledge
- Cluster specific operations
- Communication Strategies
- Data analysis
- Governance, Risk and Controls
- Principles of financial management
- Principles of project management
- Relevant software and systems knowledge
- Research methodology
- Decision-making process
Behavioural Competencies
- Earning Trust
- Communication
- Decision Making
- Work Standards
- Managing Work
- Technical/Professional Knowledge and Skills
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Job Purpose
- Nedbank Insurance is seeking a highly skilled and experienced Risk Manager to provide strategic and operational expertise, advice, assistance, consultancy services and general support for all risk-related matters to the Insurance Executive and Head of Governance.
- The successful candidate will play a critical role in advising the Executive on the effective management of non-financial risks across the insurance division (i.e. including, but not limited to Operational Risk, Strategic Risk, Reputational Risk, Compliance & Regulatory Risk, Conduct Risk, Technology and Digital Risk, Cyber Risk, Data Risk, Sustainability (ESG) Risk, and excluding Liquidity & Funding Risk, Insurance Risk, Capital Risk, Credit Risk, and Market Risk.
Job Responsibilities
- Support the Insurance Executive and Head of Governance in embedding a robust risk management culture within the business.
- Manage the implementation and influence improvement of risk frameworks, policies, and processes aligned with Nedbank’s risk frameworks and regulatory requirements, including insurance industry requirements.
- Develop Risk Management Implementation Plans that encompass all risk deliverables, to support the business strategy.
- Facilitate the development and annual review of risk appetite statements and metrics across the applicable risk universe.
- Lead risk assessments and scenario analyses, and Key Risk Indicator (KRI) development to ensure proactive risk identification and mitigation of both threat risk and opportunity risk.
- Conduct monitoring and control effectiveness reviews (assurance).
- Prepare and present risk reports, dashboards, and analysis to executive management, risk committees, and relevant stakeholders.
- Monitor regulatory changes and emerging risks and ensure timely communication and adaptation within the insurance business.
- Develop and manage the Risk Change Management, Communication and Training Plan.
- Engage with internal and external auditors, regulators, cluster risk specialists and other assurance providers, as required.
- People management: Manage team of Risk Officers responsible for the implementation of risk requirements in the business.
- Contribute to a culture conducive to the achievement of transformation goals.
People Specification
Essential Qualifications - NQF Level
- Advanced Diplomas/National 1st Degrees
Preferred Qualification
- Bachelor’s degree in Risk Management, Business Administration, Finance/ Commerce, or a related field.
- Postgraduate qualification in Risk Management or relevant professional certification preferred.
Essential Certifications
- Compliance Institute of South Africa (CISA) Institute of Risk Management of South Africa (IRMSA) and/or similar
Minimum Experience Level
- Minimum of 7 years’ relevant experience in risk management within the financial services sector, including the insurance industry, with at least 3 years at a senior level.
- In-depth knowledge of non-financial risk types, risk frameworks, guidelines and standards (e.g., ISO 31000), and regulatory requirements applicable to insurance businesses.
- Proven track record in leading risk management projects, influencing senior stakeholders, and driving risk culture initiatives.
- Experience with risk management systems and reporting tools.
Technical / Professional Knowledge
- Banking knowledge
- Industry trends
- Relevant regulatory knowledge
- Risk management process and frameworks
- Business writing skills
- Business Acumen
- Risk Management
- Principles of Programme Management
Behavioural Competencies
- Applied Learning
- Coaching
- Communication
- Customer Focus
- Decision Making
- Influencing
- Quality Orientation
- Technical/Professional Knowledge and Skills
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Job Purpose
- Lead and manage the Nedbank Insurance Telebroking / Sales team to ensure seamless operations, exceptional client service, retention, and sales performance. Build and maintain strong stakeholder relationships aligned with Nedbank’s client service strategy.
Job Responsibilities
- Drive operational efficiency and manage budgets by monitoring headcount and agent productivity.
- Oversee service level agreements across multiple channels and multimedia platforms.
- Identify and action cross-sell opportunities during client interactions.
- Ensure all sales and retention campaigns meet SLA requirements.
- Analyse CMS and MIS reports to manage call metrics (AHT, abandonment, transfers, repeat calls).
- Deliver cost-saving initiatives and ensure project profitability.
- Monitor and manage inbound/outbound queues and escalations.
- Maintain quality standards through call quality monitoring and Client Experience Measures (CEM).
- Review monthly business performance and ensure accurate MIS reporting.
- Manage complaints and escalations within SLA to ensure client satisfaction.
- Ensure compliance with FAIS and FSCA regulations, including regular audits and proficiency tests.
- Drive talent development, performance management, and team engagement for optimal results.
- Maintain disaster recovery and business continuity plans.
- Foster innovation and continuous improvement within the team.
People Specification
Essential Qualifications - NQF Level
- Matric / Grade 12 / National Senior Certificate
- Diploma
Essential Certifications
- Fais related accreditation/qualification or to work under supervision
Minimum Experience Level
- Minimum 3 years in call centre sales team (Insurance) management
- 2 years in a management role (mandatory)
- Strong Excel and PowerPoint proficiency
- FAIS Accredited Qualification (150 FAIS credits)
- RE5 Certification
- Key Individual experience (advantageous)
Technical / Professional Knowledge
- Financial Accounting Principles
- Relevant regulatory knowledge
- Governance, Risk and Controls
- Change management
- Principles of project management
- Management information and reporting principles, tools and mechanisms
- Communication Strategies
- Operations planning
- Client service principles
- Employee training/development
Behavioural Competencies
- Decision Making
- Customer Focus
- Delegation and Empowerment
- Execution
- Building Talent
- Creating a Culture of Trust
go to method of application »
Job Purpose
- To educate clients on the convenience, security and functionality of digital and self-service solutions; processing cash transactions and cash fulfillment (i.e.balancing and replenishment) and performing first line device maintenance in order to meet business goals and exceed the client expectations.
Job Responsibilities
Client Engagement:
- Address any concerns relating to the queue flow or digital devices.
- Assist client to download online applications and resolve any log in issues.
- Assist the client to buy value-added services (e.g. pre-paid data and airtime) online or through a self-service device.
- Assist the client to obtain statements, cards and other relevant documentation from self-service zones.
- Build and maintain client relationships by keeping clients informed of progress or action taken regarding their applications, queries and requests.
- Discover client's service and digital needs through connecting, understanding and delivering financial solutions with care.
- Educate clients and potential clients on how to subscribe and service their account.
- Educate clients on self-service, digital functionality and features.
- Facilitate a conversation with the client to assist them to complete their service needs online.
- Identify quality sales leads and enable cross-selling (without advising) through client engagement, fulfilling, making suggestions, referring to the relevant department for action and by capturing it on the client management system.
- Meet, greet, establish and clarify client needs and verify documentation and direct clients.
- Nurture strong, long-standing client relationships.
- Own the client request end to end and route for alternative intervention if not equipped to service the client.
- Provide knowledgeable client service that fosters mutual trust and confidence.
Business Operations:
- Accept and service cash transactions over the counter.
- Action control check list applicable to teller, enquiries and foreign functions daily.
- Balance and secure branch stock holding (e.g. cards).
- Control the queuing process and prioritise clients with special needs.
- Destroy old stock (e.g. cards) identified by reports.
- Enable the further processing of inter-bank transfers by preparing all transactional documents and originals (WASTE) in the required format by the required deadline for hand over to couriers.
- Ensure ATM/ID availability through balancing and loading of cash and attending to down devices by performing first line device maintenance support.
- Execute on cash management (i.e. Treasury and holdings), cash efficiency and recycling strategies within the store.
- Load cash, balance and provide first line device maintenance and replenishment of consumables of all store devices.
- Minimize losses and ensure corrective action is taken by declaring any discrepancies in cash holdings.
- Process client deposits, withdrawal, change for change and transfer requests by following relevant procedure and policies.
- Process client forex requests by following the relevant procedures and policies (e.g. FBN, bills and transfers).
Risk and Compliance:
- Mitigate risk by controlling counter and drop safe limits according to policy.
- Prevent fraud and losses by adhering to mandates, as well as client and transaction authentication procedures and policies.
Nedbank Goals:
- Act in the client's interest, inform the client, do what you say and promise, take accountability, and go the extra mile.
- Contribute to the success of Nedbank through meeting your service excellence, teamwork and personal development goals whilst adhering to Nedbank security, operational and compliance procedures and policies.
- Develop, retain and grow the business by delivering against individual and team goals that support a positive client experience.
- Improve digital enticement and migration volumes to self-service devices and online channels.
People Specification
Essential Qualifications - NQF Level
Preferred Qualification
- Banking Services (example, Higher Certificate in Banking Services - NQF5)
Minimum Experience Level
- 1 - 2 years
- Retail/Banking Client Service, Cash, Technology Savvy, 1st Line Problem Resolution experience. Where applicable, Foreign experience.
Technical / Professional Knowledge
- Customer service principles
- Product Knowledge
- Problem solving skills
- Relationship management
- Nedbank security policies and procedures
- Governance, Risk and Controls
- Forex product
Behavioural Competencies
- Building Customer Loyalty
- Earning Trust
- Collaborating
- Managing Work
- Adaptability
- Stress Tolerance
- Continuous Learning
go to method of application »
Job Purpose
- To be accountable for managing a product or portfolio of products so that the bank achieves its strategic objectives.
Job Responsibilities
Product Strategy & Roadmap
- Define and execute the product vision and strategy for overdraft, student loans, and term agreements.
- Develop a multi-year roadmap aligned with business objectives, customer needs, and market trends.
- Identifying, executing and tracking key initiatives to achieve strategic outcomes
Innovation & Development
- Drive product innovation leveraging data analytics, customer insights, and emerging technologies.
- Collaborate with design, engineering, and digital teams to deliver best-in-class solutions.
Financial Performance
- Own P&L for the product portfolio; including pricing strategies, monitor margins, and optimize profitability.
- Forecast and manage product performance metrics including growth, retention, and risk.
- Strong business acumen and modelling skills to support the building of business cases, evaluation of new opportunities and the identification of initiatives for growth
- Drive profitable client acquisition and retention
Regulatory & Risk Management
- Partner with legal and compliance teams to mitigate operational and reputational risks.
Customer Experience
- Champion customer-centric design and digital-first experiences across all channels.
- Ensure competitiveness by monitoring market trends and activities and providing strategic inputs for solutions to meet client expectations.
Stakeholder Engagement
- Work closely with executive leadership, marketing, operations, and technology teams.
- Represent the product portfolio in strategic forums and industry engagements.
Team Leadership
- Build and lead a high-performing product team; foster a culture of innovation and accountability.
Essential Qualifications - NQF Level
- Matric / Grade 12 / National Senior Certificate
- Advanced Diplomas/National 1st Degrees
Preferred Qualification
- Bachelor’s degree in Business, Finance, Economics, or related field (Master’s preferred).
Minimum Experience Level
- 6+ years experience in product management within financial services, with at least 5 years in a leadership role.
- Strong understanding of Credit Risk, Regulatory Frameworks, and Digital Banking trends.
- Experience in Profit and Loss management and strategic planning.
Technical / Professional Knowledge
- Change management
- Client service management
- Communication Strategies
- Diversity management
- Employee training/development
- Financial Accounting Principles
- Organisational behaviour theory
- Principles of project management
- Strategic planning
- Management information and reporting principles, tools and mechanisms
Behavioural Competencies
- Building Partnerships
- Communication
- Customer Focus
- Decision Making
- Continuous Improvement
- Guiding Sales Opportunities
go to method of application »
Job Purpose
- Educate clients on the functionality of self-service digital solutions, whilst solving for their sales and service needs, in order to meet business goals and growing market share.
Job Responsibilities
Client Engagement:
- Respond to client needs by offering the right service and solution.
- Build client trust by applying your expertise and experience to do good for your client.
- Educate clients and potential clients on how to subscribe and service their account.
- Treat clients with respect, build trust, show care and humility in all client interactions.
- Help clients achieve their goals and grow financially.
- Own the client request end to end and route for alternative intervention if not equipped to service the client.
- Entrench clients and deliver value through cross selling.
- Facilitate the sales process by informing clients of the product features and benefits.
- Document client needs analysis and provide corresponding product solutions.
- Obtain referrals from existing clients as well as leads from other business units.
- Build, maintain and retain client relationships by keeping clients informed of progress or action taken regarding their applications, queries, and requests.
- Educate clients on the use of, secure, alternative, cost effective, time saving and convenient self-service channels.
- Collaborate with internal stakeholders to provide complete financial solutions for clients.
- Ensure great client experiences by making the client feel welcome, listened to, and owning and solving their financial problems.
- Ensure clients are onboarded in line with Nedbank's product strategy, policy, and procedure.
- Act with a client first mindset in all client engagements.
Nedbank Goals:
- Contribute to the success of Nedbank through meeting your service excellence, teamwork and personal development goals whilst adhering to Nedbank security, operational and compliance procedures, and policies.
- Develop, retain, and grow the business by delivering against individual and team goals that support a positive client experience.
- Increase market share of primary clients by entrenching clients through Core+ needs discussions, salary and debit order switching as well as enrolling clients on the various digital platforms.
- Identify and resolve work obstacles and problems through participating in team meetings, sharing information and reviewing performance against targets and standards.
- Ensure all sales activities are completed to plan, progress reviewed, and corrective action taken.
- Support the achievement of the sales and service strategy objectives and values.
- Enable Nedbank's strategy of being financial experts who do good.
- Covert leads into sustainable business for Nedbank in a responsible manner.
Risk and Compliance:
- Mitigate risks and meet legislative requirements (e.g. FICA, FAIS and Letter of Authority) by being accredited and updating and maintaining client information.
- Report suspicious transactions to the relevant department.
- Keep abreast of legislation and other industry changes that impacts on role by reading the relevant newsletters, communications, and training material.
- Manage risk by meeting technical, company standards, practices, and resource management (e.g. ultra-violet lights to identify false identity documents).
- Be a responsible employee by being compliant to Nedbank policies, controls, regulations, and banking legislation.
Minimum Experience Level
- 2 - 3 years Retail/Banking Client Service, Sales, Relationship experience
- 2 - 3 years in a Customer Service / Client facing role
Requirements
- Matric / Grade 12 / National Senior Certificate
- Business Relevant Certificate or Diploma or Institute of Banking would be an advantage
- 120 FAIS Credits
Technical / Professional Knowledge
- Product sales skills
- Sales Strategies
- Product Knowledge
- Customer service principles
- Nedbank policies and procedures
- Customer relationship management
Behavioural Competencies
- Building Customer Loyalty
- Building Trusting Relationships
- Sales Persuasion
- Technology Savvy
- Planning and Organizing
- Adaptability
- Applied Learning
go to method of application »
Job Purpose
- To grow commercial bank revenue through the management and cross sell to existing portfolio; as well as the acquisition of new to bank high revenue commercial customers in order to create and increase revenue and maximize economic profit to achieve the banks strategic objectives and create shareholder value
Job Responsibilities
- Acquire new commercial clients with annual turnover of between R30m - R1b through a process of prospecting and networking to achieve market share growth aspirations.
- Be a trusted advisor to commercial clients in specialised industries (i.e., Agri; Franchise, Fintech, Manufacturing) through continuous professional development; exposure, experience, and personal up-skilling.
- Stay abreast with latest economic trends and developments (i.e., green energy and sustainable agriculture) and applying this knowledge by adding value to client engagements and identifying opportunities to the greater benefit of Nedbank.
- Identify acquisition opportunities through effective ecosystem analysis unlocking the value chain.
- Generate revenue through proactive cross sell strategies by applying specialised Industry and Banking knowledge, managing key internal stakeholder relationships, and executing identified opportunities.
- Perform in depth financial needs analysis to identify cross sell and up sell opportunities in line with business goals.
- Conduct regular portfolio reviews with clients to identify and unlock value add opportunities that contribute to client retention.
- Be proactive in client interaction by adding value through financial solutioning.
- Establish and execute a client engagement plan to ensure all clients are interacted with frequently in line with Nedbank's growth objectives.
- Build trusting relationships through regular interactions with key decision makers within the businesses that forms part of the allocated Business portfolio.
- Earn client trust by being a trusted financial partner and by giving advice and honest constant feedback regarding financial requests.
- Provide a key interface for the client to the bank by having sound knowledge of the bank's products; services and solutions and by coordinating with relevant stakeholders.
- Communicate visitation feedback to internal stakeholders after client interaction to address actionable items and/ or take corrective action where applicable.
- Recommend tailor-made solutions to meet the client's needs by gaining an intimate understanding of the client's business and business environment, and by consulting with relevant stakeholders.
- Manage all business risks and ensure compliance by following regulatory requirements and bank's internal policies and procedures, identifying risks and non-compliances, and taking corrective action.
- Partner with credit manager to manage credit risk of portfolio to minimize potential impairment risk.
- Prepare and present large and complex credit applications consisting of multiple entities and shareholders and by incorporating specialised Industry knowledge and core Banking principles, including the pricing motivation of assets.
- Leverage subject matter expertise to support the digitization of clients in line with the 4th Industrial revolution dynamics.
- Drive client awareness and solution for sustainable development goals in line with the Nedbank purpose.
Essential Qualifications - NQF Level
- Advanced Diplomas/National 1st Degrees
Preferred Qualification
- BCom (Financial Management/ Accounting)/ BSc Agri)
Minimum Experience Level
- 7 - 10 years
- Experience in Relationship Management within the financial sector.
- Experience in Agriculture.
- 2-3 years of experience in Business Acquisition is essential.
- Experience in Sales and Deal Origination, specifically related to a Corporate Client Portfolio in a Banking, Financial Services, or Consulting environment.
Technical / Professional Knowledge
- Communication Strategies
- Negotiation skills
- Governance, Risk and Controls
- Relevant regulatory knowledge
- Data Analysis and Interpretation
- Relevant software and systems knowledge
Behavioural Competencies
- Account Planning
- Targeting Sales Opportunities
- Driving Successful Customer Engagements
- Sales Negotiation
- Business Acumen
- Building Trusting Relationships
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Job Purpose
- Support external vendors to recover outstanding monies both on and off balance sheet on current and savings accounts by following internal and legal processes and procedures; which results in reduced costs and losses for the bank.
Job Responsibilities
- Maintanance of Default and Recoveries system/ SAP by daily capturing of cashflows and maintaining of impairments.
- Allocation of funds in the department's suspense account.
- Arrange settlements with clients
- Monitoring of costs versus recoveries for on and off balance sheet matters.
- Monitoring of portfolio in terms of age in line with targets set as per legislation guidelines
- Validating of payments into clients accounts daily, General Ledger.
- Returns daily (pay no pay)
- Rehabilitation of client accounts within a set payment criteria (6 consecutive payments).
- Validation and payment of invoices received from vendors by consolidating the payment file
- New handovers from regional risk to legal recoveries.
- Request original security documents from Securities department.
- Request evaluations on all assets from Evaluations department.
- Liasing with the Insurance division to check whether the fixed properties are insured or not.
- Allocation of work to external stakeholders (vendors)
- Ensuring that Litigation Guidelines are adhered to while maintaining good relationship with vendors.
- Performance management of vendors as per the SLA.
- Assist clients with payment arrangements and respond to all client requests or queries within specified turn around time.
- Engage with various departments for various processes (student loan, debt review, admin support etc)
- Processing of DI (Department Industry) entries on SAP (raising of fees and service provider fees, write offs)
- Maintaining evaluations register by capturing on a diary system.
- Processing monthly work in progress sheet
- Requesting cheques by completing a cheque requesition.
- Completing a Debit Credit Waste Capturing.
- Completing monthly Operations Committee Meeting reports.
- Maintaining D and R which includes capturing of recovery forecasts, actual recoveries and impairments.
- Pre-checks on new handovers from the region.
- Requesting securities from Security department.
- Daily reconciliation by validating payments received from clients directly into their accounts as well as the suspense GL accounts.
- Debt management.
- Reinstatement of legal accounts by uplifting of blocks and holds and requesting approval from stakeholders.
- Issuing settlement letters to clients.
- Conducting monthly operational meetings with vendors.
- Preparing loss reports (written off accounts)
- Requesting documentation from external vendors (legal documents, death certificates etc)
- Processing refunds by requesting documentation from external clients and seeking approval from management.
- Completing monthly vendor trackers.
- Judgement clearance certificates by providing the required information within 7 days to the relevant Credit Bureaux.
- Keep abreast of legislation and other industry changes that impacts on role by reading the relevant newsletters, websites and attending sessions.
- Ensure information is provided correctly to stakeholders by maintaining knowledge sharing knowledge with team.
- Contribute to a culture conducive to the achievement of transformation goals by participating in Nedbank Culture building initiatives (e.g. staff surveys etc).
- Participate and support corporate social responsibility initiatives for the achievement of key business strategies.
- Identify and recommend opportunities to enhance processes, systems and policies and support implementation of new processes, policies and systems.
Essential Qualifications - NQF Level
- Matric / Grade 12 / National Senior Certificate
Preferred Qualification
- Diploma: Paralegal Studies , AIPSA
Minimum Experience Level
- 2 - 5 years banking/collections
Technical / Professional Knowledge
- Administrative procedures and systems
- Banking procedures
- Data analysis
- Governance, Risk and Controls
- Microsoft Office
- Relevant regulatory knowledge
- Relevant software and systems knowledge
- Business writing skills
- Cluster Specific Operational Knowledge
Behavioural Competencies
- Communication
- Continuous Learning
- Collaborating
- Stress Tolerance
- Work Standards
- Managing Work
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Job Purpose
- To register risk events; and provide support services to Forensic Investigators; thereby ensuring that risks are recorded; investigated; actioned and reported in terms of Nedbank Risk Management Policies.
Job Responsibilities
- Contribute to a culture of transformation by participating in Nedbank culture building initiatives, business strategy, and CSI.
- Influence the enhancement of business processes and methodologies.
- Ensure costs are recovered per time allocation and transfer pricing agreements with stakeholders.
- Liaise with stakeholders to fully understand and meet expectations and/or requirements through electronic communication providing feedback to management and stakeholders.
- Build and maintain mutually beneficial relationships by interacting with stakeholders within Group Forensic Services (GFS).
- Contribute to smooth flow of work and maintain relationships with internal and external service providers.
- Manage and prevent potential operational losses.
- Prioritise reported risk events.
- Classify risk events through assessment of category and/or type of event to ensure accurate management information on risk events provided to stakeholders
- Determine completeness of reported risk event.
- Register risk event on case management system by capturing information within timelines and escalate to management for quality assurance and distribution.
- Provide feedback to stakeholders.
- Provide administrative support services to stakeholders.
- Action requests for authentication of identity documents.
- Ensure timeous payment for services rendered, order stationery and re-imbursement of staff expenses by capturing Group Finance (GFD) vendor payments, procurement and staff re-imbursements by processing the amounts on the relevant system.
- Ensure smooth operation and service delivery to GRS by administering travel, accommodation, venue and equipment bookings per relevant policies.
- Ensure compliance to company standards by managing the asset register through purchasing, updating and maintaining it.
- Manage the onboarding process of new employees.
- Comply with risk standards and policies.
- Understand and embrace the Nedbank vision and demonstrate the values.
- Improve personal capability and stay abreast of developments in field of expertise.
- Support personal growth and enable effectiveness in performance of roles and responsibilities.
- Maintain knowledge management, and improve team success by sharing knowledge with team and ensuring that information is provided correctly to stakeholders.
Essential Qualifications - NQF Level
- Matric / Grade 12 / National Senior Certificate
Preferred Qualification
- Matric / Grade 12 / National Senior Certificate
- NQF level 5 in a banking or finance related field
Minimum Experience Level
- 2-3 years experience in banking and/or operational back-office environment in a financial institution
Technical / Professional Knowledge
- Administrative procedures and systems
- Banking procedures
- Branch processes and procedures
- Client service principles
- Filing techniques
- Governance, Risk and Controls
- Relevant regulatory knowledge
- Relevant software and systems knowledge
- Business writing skills
Behavioural Competencies
- Applied Learning
- Collaborating
- Decision Making
- Driving for results
- Managing Work
- Quality Orientation
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Job Purpose
- To design and execute a strategy in an endeavour to mitigate non-performing loan losses through rehabilitation, litigation, liquidation and asset disposal in the shortest possible time and acceptable cost across the entire product dimension. To lead a team to collect on arrear accounts with regards to defaults on monthly instalments to reduce risk and provisions.
Job Responsibilities
- Manage impairments by way of process execution; asset management, valuation and disposal and recovery optimisation
- Optimise resources and minimise cost by proactive management of all resources (internal and external)
- Ensure adequate portfolio oversight to timeous action appropriate strategy in the mitigation of losses through the continuous involvement in all recovery initiatives
- Manage and maintain mutually beneficial relationships with external vendors by frequent interactions of agreed delivery expectations and standards
- Ensure continuous interaction with applicable regional and head office counterparts through physical and media interaction aimed at assisting with strategic direction and appropriate reporting
- Keep abreast of micro and macro influences that may impact on the successful execution of departmental goals and ensure continuous team communication and strategic direction to mitigate same
- Foster cross-cluster relations with appropriate and relevant peers aimed at harvesting best of breed benefits through cross-collaboration in common strategies and synergies
- Ensure optimised strategic execution by managing the statutory and regulatory recovery processes of litigation, liquidation, rehabilitation and asset disposal and management
- Execute sound financial processes through the continuous assessment of litigant values and consequential impairment requirements and capital allocations
- Inculcate adequate system utilisation and application in support of strategy execution and productivity optimisation through continuous systems application and training
- Identify and execute adequate reporting frameworks and audiences to ensure comprehensive performance reporting and strategic projection through formal and informal reporting channels.
- Execute defined processes in a responsible manner as to minimise risks associated with the strategic intent including but not limited to operational, reputational, financial and legal risks through a robust risk and compliance philosophy
- Optimise efficiency and embed correct values by ensuring direct reports understand and support Nedbank's vision, values and strategy and are measured on delivery against these.
- Manage performance of reports and hold them accountable for managing the performance of their reports by implementing performance agreements, ensuring a clear vision, agreeing on goals and objectives, providing regular feedback on performance, recognising and rewarding achievement and take appropriate corrective action where required..
- Contribute to a culture conducive to the achievement of transformation goals and support business strategies that improve the corporate image by ensuring self, managers and team participation in Nedbank culture building initiatives.
- Participate and ensure managers encourage staff to participate and support corporate social responsibility initiatives for the achievement of business strategy (e.g.. Green Strategy).
- Ensure issues raised in culture survey are addressed and results are improved by ensuring action plans are created.
- Deliver a world class service through others by ensuring a client centric culture through required interventions.
- Identify areas of resource inefficiencies and promote optimisation through promoting multi-skilling and addressing capacity gaps by reviewing and improving work processes.
Essential Qualifications - NQF Level
- Advanced Diplomas/National 1st Degrees
Preferred Qualification
- LLB, AIPSA Diploma or Diploma in Risk.
Minimum Experience Level
- 5-10 years related experience in a collections and recoveries or risk management environment which includes a leadership role.
Technical / Professional Knowledge
- Business administration and management
- Communication Strategies
- Financial Accounting Principles
- Governance, Risk and Controls
- Organisational behaviour theory
- Principles of project management
- Relevant regulatory knowledge
- Stakeholder management
- Strategic planning
- Management information and reporting principles, tools and mechanisms
Behavioural Competencies
- Decision Making
- Building partnerships
- Driving for Results
- Guiding Team Success
- Communication
- Planning and Organizing
go to method of application »
Job Purpose
- To register risk events; and provide support services to Forensic Investigators; thereby ensuring that risks are recorded; investigated; actioned and reported in terms of Nedbank Risk Management Policies.
Job Responsibilities
- Contribute to a culture of transformation by participating in Nedbank culture building initiatives, business strategy, and CSI.
- Influence the enhancement of business processes and methodologies.
- Ensure costs are recovered per time allocation and transfer pricing agreements with stakeholders.
- Liaise with stakeholders to fully understand and meet expectations and/or requirements through electronic communication providing feedback to management and stakeholders.
- Build and maintain mutually beneficial relationships by interacting with stakeholders within Group Forensic Services (GFS).
- Contribute to smooth flow of work and maintain relationships with internal and external service providers.
- Manage and prevent potential operational losses.
- Prioritise reported risk events.
- Classify risk events through assessment of category and/or type of event to ensure accurate management information on risk events provided to stakeholders
- Determine completeness of reported risk event.
- Register risk event on case management system by capturing information within timelines and escalate to management for quality assurance and distribution.
- Provide feedback to stakeholders.
- Provide administrative support services to stakeholders.
- Action requests for authentication of identity documents.
- Ensure timeous payment for services rendered, order stationery and re-imbursement of staff expenses by capturing Group Finance (GFD) vendor payments, procurement and staff re-imbursements by processing the amounts on the relevant system.
- Ensure smooth operation and service delivery to GRS by administering travel, accommodation, venue and equipment bookings per relevant policies.
- Ensure compliance to company standards by managing the asset register through purchasing, updating and maintaining it.
- Manage the onboarding process of new employees.
- Comply with risk standards and policies.
- Understand and embrace the Nedbank vision and demonstrate the values.
- Improve personal capability and stay abreast of developments in field of expertise.
- Support personal growth and enable effectiveness in performance of roles and responsibilities.
- Maintain knowledge management, and improve team success by sharing knowledge with team and ensuring that information is provided correctly to stakeholders.
People Specification
Essential Qualifications - NQF Level
- Matric / Grade 12 / National Senior Certificate
Preferred Qualification
- Matric / Grade 12 / National Senior Certificate
Minimum Experience Level
- 2-3 years experience in banking and/or operational back-office environment in a financial institution
Technical / Professional Knowledge
- Administrative procedures and systems
- Banking procedures
- Branch processes and procedures
- Client service principles
- Filing techniques
- Governance, Risk and Controls
- Relevant regulatory knowledge
- Relevant software and systems knowledge
- Business writing skills
Behavioural Competencies
- Applied Learning
- Collaborating
- Decision Making
- Driving for results
- Managing Work
- Quality Orientation
go to method of application »
Job Purpose
- To educate clients on the convenience, security and functionality of digital and self-service solutions; processing cash transactions and cash fulfillment (i.e.balancing and replenishment) and performing first line device maintenance in order to meet business goals and exceed the client expectations.
Job Responsibilities
Client Engagement:
- Address any concerns relating to the queue flow or digital devices.
- Assist client to download online applications and resolve any log in issues.
- Assist the client to buy value-added services (e.g. pre-paid data and airtime) online or through a self-service device.
- Assist the client to obtain statements, cards and other relevant documentation from self-service zones.
- Build and maintain client relationships by keeping clients informed of progress or action taken regarding their applications, queries and requests.
- Discover client's service and digital needs through connecting, understanding and delivering financial solutions with care.
- Educate clients and potential clients on how to subscribe and service their account.
- Educate clients on self-service, digital functionality and features.
- Facilitate a conversation with the client to assist them to complete their service needs online.
- Identify quality sales leads and enable cross-selling (without advising) through client engagement, fulfilling, making suggestions, referring to the relevant department for action and by capturing it on the client management system.
- Meet, greet, establish and clarify client needs and verify documentation and direct clients.
- Nurture strong, long-standing client relationships.
- Own the client request end to end and route for alternative intervention if not equipped to service the client.
- Provide knowledgeable client service that fosters mutual trust and confidence.
Business Operations:
- Accept and service cash transactions over the counter.
- Action control check list applicable to teller, enquiries and foreign functions daily.
- Balance and secure branch stock holding (e.g. cards).
- Control the queuing process and prioritise clients with special needs.
- Destroy old stock (e.g. cards) identified by reports.
- Enable the further processing of inter-bank transfers by preparing all transactional documents and originals (WASTE) in the required format by the required deadline for hand over to couriers.
- Ensure ATM/ID availability through balancing and loading of cash and attending to down devices by performing first line device maintenance support.
- Execute on cash management (i.e. Treasury and holdings), cash efficiency and recycling strategies within the store.
- Load cash, balance and provide first line device maintenance and replenishment of consumables of all store devices.
- Minimize losses and ensure corrective action is taken by declaring any discrepancies in cash holdings.
- Process client deposits, withdrawal, change for change and transfer requests by following relevant procedure and policies.
- Process client forex requests by following the relevant procedures and policies (e.g. FBN, bills and transfers).
Risk and Compliance:
- Mitigate risk by controlling counter and drop safe limits according to policy.
- Prevent fraud and losses by adhering to mandates, as well as client and transaction authentication procedures and policies.
Nedbank Goals:
- Act in the client's interest, inform the client, do what you say and promise, take accountability, and go the extra mile.
- Contribute to the success of Nedbank through meeting your service excellence, teamwork and personal development goals whilst adhering to Nedbank security, operational and compliance procedures and policies.
- Develop, retain and grow the business by delivering against individual and team goals that support a positive client experience.
- Improve digital enticement and migration volumes to self-service devices and online channels.
Minimum Experience Level
- 2 - 3 years customer facing experience, preferable Retail branch experience
- 1 - 2 years Client Service, Cash, Technology Savvy, 1st Line Problem Resolution experience.
- Where applicable, foreign exchange experience.
Requirements
- Banking Services (example, Higher Certificate in Banking Services - NQF5)
- Matric / Grade 12 / National Senior Certificate
- Must have clear ITC and Criminal Record
Technical / Professional Knowledge
- Customer service principles
- Product Knowledge
- Problem solving skills
- Relationship management
- Nedbank security policies and procedures
- Governance, Risk and Controls
- Forex product
Behavioural Competencies
- Building Customer Loyalty
- Earning Trust
- Collaborating
- Managing Work
- Adaptability
- Stress Tolerance
- Continuous Learning
Method of Application
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