Fresh Openings at Absa Group Limited (Absa)

Job Summary

• Executive leader accountable for developing and implementing people and culture strategies that enable business performance and transformation.
• Responsible for integrating strategic workforce planning, talent and leadership development, performance, reward, and organisational effectiveness across the Business Line.
• Acts as a trusted advisor to executive leadership, driving human capital initiatives that align to strategic imperatives, build long-term capabilities, and enhance employee experience.

Job Description

KEY FOCUS AREAS:

• Shape and drive the Human Capital strategy in alignment with PPB goals and enterprise transformation priorities.
• Lead cultural change and leadership effectiveness to enable an engaged, high-performance workforce.
• Partner with COEs and business leaders to co-design and integrate people solutions that accelerate capability building and organisational agility.
• Translate business strategy into actionable human capital outcomes, supporting both growth and resilience.
• Orchestrate end-to-end talent management within the PPB, including succession planning, workforce mobility, leadership pipeline development, and performance enablement to build enduring capability.
• Drive employee experience and engagement across the business, embedding people practices that support talent attraction, retention, growth, and alignment with the employee value proposition.
• Support the operationalisation and adoption of Group-wide digital human capital solutions in the PPB, driving uptake of tools, automation, and workforce analytics that enable strategic workforce management.
• Embed Group governance and risk frameworks across the people practices, ensuring compliance, ethical conduct, and sound people risk management aligned to regulatory and Group expectations.
• Use workforce insights and data analytics to inform business decisions, track human capital performance, and enable data-led planning and interventions.
• Contribute to Group-wide human capital strategy and priorities, representing the PPB perspective in enterprise forums and ensuring effective localisation and execution within the PPB.

QUALIFICATIONS AND EXPERIENCE:

Education/Qualification:

• Post Graduate Degree: Honours Degree, Post Graduate Diploma and Professional Qualifications [NQF8] Field of Study: Human Resources, Industrial Psychology, Business Administration, Organisation Development, or related field.

Work Experience:

• 15+ years of experience in Human Capital or Organisation Effectiveness roles within Financial Services or large corporates, including at least 7 years in executive roles.
• Demonstrated success in leading people strategy, cultural transformation, and enterprise-wide human capital initiatives.
• Experience in engaging executive stakeholders in business, HR COEs, and regulatory forums to shape strategic workforce decisions and deliver integrated people solutions.

Leadership Competencies:

• Strategic Thinking
• Business Acumen
• Communication
• Influence
• Leadership
• Creativity and Innovation
• Delivering Results
• Collaboration

Knowledge and Skills:

• Human Capital strategy development and execution
• Workforce planning and talent management
• Organisational development and change leadership
• Culture transformation and leadership development
• Compensation, benefits, and performance management
• Labour relations and employee experience
• Human Capital data analytics and reporting
• Regulatory and governance frameworks related to people practices

End Date: June 12, 2025 (6 days left to apply)

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Job Description

Key Accountabilities

• Accountability: Risk Management processes in support of the ORRMF implementation and oversight 

Provide guidance and oversight to support the implementation of Group Risk policies, the ERMF and ORRMF, specifically but not limited to:

• Risk Appetite
• Risk and Issues Classification
• Risk Event Management
• Risk and Control Self-Assessment
• Issues and Actions Management
• Combined Assurance
• Risk Indicators and Metrics
• Scenario Analysis and Capital Assessment
• Lessons Learnt
• Root Cause Analysis
• Risk Technologies
• Management Control Assessment
• Oversee the implementation and use of frameworks, policies, and standards in the business units, performing quality assurance on use and outcomes.
• Provide coordinated support and facilitation to business units to ensure effective and consistent implementation of requirements.

Accountability: Risk Measurement Process, including Capital Management

• Drive the Scenario Analysis and Capital Assessment processes on behalf of Group
• Oversee, assess, and monitor the Operational Risk capital adequacy

Accountability: Risk Monitoring and Combined Assurance

• Facilitate and support the business to create periodic assurance plans and coordinate the collation and maintenance of a combined assurance plan for Premises risk.  
• Embed the requirements of the combined assurances standard, processes, reporting and governance in conjunction with various stakeholders (i.e. Internal Audit, Assurance teams across 1st and 2nd Line).
• Oversee the execution of assurance plans, and monitor that the scope remains appropriate, risk-based, and on track.
• Ensure that Sub Risk types directly managed by the 1st line of defence are appropriately considered in assurance plans and activities (Premises Risk).
• Perform periodic independent risk-based assurance, to verify the implementation of physical asset Risk policy and CRES standards and to test, check and challenge the integrity of the risk profile.

Accountability: Evaluation

• Actively assess the embedment of the Premises risk and assist to embed all new and amended requirements on an ongoing basis.
• Assess the relevance and performance of the Premises Risk indicators and thresholds.
• Review the key risk assessments related to the business unit/function for completeness, with appropriate challenge.
• Check and challenge the end-to-end Group Premises Risk profile before consolidation to the Physical Asset Risk profile.
• Focus on proactive emerging risk identification and horizon scanning, bringing these lessons back into the Business Unit/Function.
• Thought leadership – continue to research and keep abreast of trends in Premises Risk, working with Group Operational and Resilience Risk and external bodies.
• Oversee deep dive- and lessons learnt exercises for material risks, including the review, challenge and tracking/escalation of findings. Review major remediation plans for adequacy, completeness and progress.
• Oversee risk event and lessons learnt reviews and related attestations to ensure that all (above threshold) risk events and losses have been captured on the Operational Risk Management system.
• Leverage internal central engagement channels/resources, as appropriate.

Accountability: Stakeholder Engagement and Management

• Derive optimal engagement models for the Operational Risk function, which enable efficient and prioritised coordination of Group Premises Risk
• Engage with applicable Group and Functional stakeholders to ensure that Group Operational and Resilience Risk and Sub risk type owner (SRTO) requirements are coordinated and efficiently implemented in business.
• Collate and provide input to applicable Group stakeholders and a multitude of forums on applicability of new/changed risk management requirements, including status updates, risks, and issues relating to the Group Operational and Resilience Risk transformation journey.
• Communicate consistently any risk management requirements and/or priorities to Business Unit /Functions CRES /Premises Risk teams.
• Support Business Unit /l Risk teams in advancing risk management understanding by developing and providing suitable risk training and awareness, across both content and system training.

Provide constructive challenge, feedback or advice to the business unit/Functions on its Premises risk profile including but not limited to:

• Risk and Control Assessments
• Control procedures
• Risk Events
• Progress on remediation of control weaknesses
• Emerging risks

Accountability: Reporting 

• Validate data and information in relevant reports provided by the BU Resilience/Operational Risk teams, as appropriate in drafting relevant reports that are tabled at Function and Group Wide governance forums.
• Provide independent challenge on, and insight, interpretation and analytics from relevant reports to senior management.
• Document and communicate risk reporting requirements for Business Unit Resilience / Operational Risk teams, to enable ERMF and ORRMF expectations to be met.
• Oversee adherence to Risk Data Aggregation and Risk Reporting (RDARR) requirements by monitoring data, reporting content quality, and limitations.

Accountability: Other 

• As required, participate in the Functions projects, ensuring risk is assessed and where relevant ensuring that mitigation plans are in place, agreed actions documented, and the monitoring of these plans.

Education

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

End Date: June 12, 2025 (6 days left to apply)

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Job Summary

Optimize the profit and economic value of portfolios of Premium  

Business key account clients requiring high complexity commercial banking requirements by focusing: 

• Origination efforts to quire new clients
• Cross-sell to existing client base
• Coverage efforts to service clients in accordance to the segment CVP

Job Description

Drive Financial Targets:

• Maintain primary ownership of a portfolio of Premium Business clients, differentiated by the level of complexity of the client base

Relationship and Service Management:

• Actively develop strong client relationships. Conduct regular client visits in accordance with the Premium Business Value Proposition and initiate changes to ABB Product by providing input into product development to better service our clients

Manage Risk Assessment:

• Adhere to the bank's policies and procedures and ensure compliance.
• Take ultimate ownership of the portfolio's risk management by ensuring a good understanding of both the Bank's and the clients regulatory and compliance environments.

Collaboration:

• Constantly seek to improve ways of working by challenging the status quo and supporting an empowering climate within the team, sharing knowledge, experience, best practice and providing constructive feedback as required.

Education:

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

Education

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

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Job Summary

• As a Specialist Business Development, you will be.responsible for managing a core portfolio of existing AVMS Fleet clients as well as identifying and pursuing acquisition opportunities for the bank within the fleet industry in the South African. 
• responsible for driving revenue growth and providing consultative support to your existing as well as prospect clients within the fleet industry.
• required to work closely with existing as well as prospect clients to understand their needs, provide consultative support, and develop strategies to increase revenue and build long-term relationships. 
• required to work closely with other members of the team to develop and execute client portfolio management as well as acquisition strategies that align with the bank's goals and objectives. 
• responsible for conducting due diligence, negotiating terms, and ensuring successful completion of existing client requirements as well as for acquisitions.
• required to collaborate with other members of the sales and management team to drive growth and achieve company goals.

Job Description

• Manage a portfolio of existing AVMS fleet clients, acting as their primary point of contact.
• Build and maintain strong relationships with clients, acting as a trusted advisor and consultant for the business management of their fleet requirements and fleet operations.
• Conduct regular client meetings to discuss their ongoing fleet needs, business objectives, fleet management strategies, and financial products and services.
• Conduct needs assessments and provide consultative support as well as tailored solutions demonstrating expertise in fleet management practices, financial products, and services on an ongoing basis to clients based on their specific requirements and business objectives and the competitive landscape in the market.
• Identify opportunities for cross-selling and up-selling, and work with clients to develop customized solutions that meet their specific needs and objectives.
• Develop and implement sales as well as client specific strategies to increase revenue and market share
• Develop and maintain strong internal relationships across ABSA Business Banking as well as Corporate Investment Banking divisions as well as external networks.
• Prepare and present reports to senior management on acquisition opportunities, progress, and outcomes.
• Maintain up-to-date knowledge of industry trends, market conditions, and competitor activity
• Stay up to date on industry trends, market conditions, and regulatory developments that may impact acquisition opportunities.

Education and Experience Required

• 5 – 8 years in the fleet environment
• Bachelor's degree in business administration, sales, marketing, or related field or a NQF Level 6
• Proven experience in sales, business development or account management in the fleet industry
• Strong knowledge of fleet management practices, financial products and services, and the competitive landscape in the market

Education

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

End Date: June 11, 2025 (5 days left to apply)

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Job Description

Accountability:  Strategic Leadership and Product Performance:

• Develop and implement the strategic execution plan for transactional banking solutions in in line with the overall Banking Solutions strategy
• Lead the transactional banking product managers, providing clear direction, mentorship, and support to ensure the achievement of organisational objectives.
• Drive growth and innovation by identifying new opportunities to enhance the product continuum in the transactional banking space, such as digital banking solutions, cash management services, and payment systems.
• Ensure that transactional banking products are competitive, customer-focused, and aligned with the needs of customer in SME & Commercial segment. 
• Lead the financial performance of the transactional banking unit, managing budgets, cost structures, and pricing strategies in collaboration with the central Pricing & FRM function
• Identify opportunities to increase revenue, optimize profitability, and reduce operational costs without compromising service quality.
• Monitor key performance indicators (KPIs) and financial targets, ensuring alignment with business goals for overall Business Bank

Accountability:  Product Management, Innovation and Digitisation

• Lead the development and enhancement of transactional banking products and services, ensuring they meet the needs of business clients across different sectors & industries.
• Collaborate closely with the Strategy & CVM team design & develop Transactional Banking product solutions in line with market relevant customer value propositions
• Champion the integration of new technologies and digital banking solutions, such as mobile banking, digital payment platforms, and cloud-based services.
• Collaborate with technology teams to design and deliver seamless, user-friendly transactional banking solutions for businesses.
• Working together with the Product Digital channel to digitize offerings where appropriate.
• Driving all innovative solutions aimed at taking advantage of new developments in the industry.
• Direct and influence the management and prioritisation of the existing portfolio and new solutions through a product development pipeline from idea generation and business evaluation

Accountability: Collaboration, Relationship Building and Thought Leadership

• Develop and maintain networks within Business Banking and within the Absa Group across critical areas, including but not limited to other product owners and the segments sales team.
• As product owner be sought out for your thought leadership on Transactional Banking Solutions within the bank and externally promoting the credibility and the business’s capabilities.
• Maintain an excellent understanding of technical expertise, and remain up to date with relevant sector knowledge, have insight into external market developments/initiatives and strategic implications thereof.
• Share best practice and industry knowledge with stakeholders, subordinates and broader team to maximise BU performance.
• Create value for all stakeholders by identifying and effectively collaborating with external partners
• Conduct market research to identify trends, customer needs, and competitor offerings in transactional banking products.
• Regularly review and analyse the performance of the bank’s transactional banking products in comparison to market trends.
• Recommend changes and innovations based on market insights to stay competitive and align with customer expectations

Accountability:  Risk Management and Compliance

• Proactively identify, assess, and mitigate risks associated with transactional banking operations, including credit, operational, and market risks.
• Ensure compliance with all legal, regulatory, and internal requirements.
• Implement robust control mechanisms to safeguard the bank’s assets and reputation.
• Ensure that processes, control requirements and risk management frameworks that impact the area are documented and understood by all members of the team
• Ensure there are proper internal audit procedures and the timely resolution of all audit  findings
• Ensure that all key risks are allocated to responsible individuals and that they are aligned to, managed and reported on through the governance framework
• Ensure that the team understands all compliance requirements and that all regulatory requirements are adhered to
• Accountability:  People Management
• Lead, develop, and motivate the Transactional Banking  Product team – including responsibility for performance management, development, under-performance, training, assuming reward and recognition, grievance cases, and discipline.
• Appropriately resource the team to execute on the strategy by recruiting and attracting talent to the organisation.
• Create a high-performance environment and effective team working.
• Provide continuous coaching and mentorship to the team

Education

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

End Date: June 11, 2025 (5 days left to apply)

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Job Summary

• Risk Management through cost effective legal recovery of outstanding bad debt exposure by instructing 3rd party professional service providers and engaging with internal customers in the collections, legal and insolvency process.

Job Description

Accountability: Managing the assigned legal portfolio

• Formulate the appropriate recovery strategy to recover as much as possible and to mitigate any additional impairment requirements
• Instruct panel attorney to institute legal action against all liable parties and management of legal process until the matter is resolved
• Initiate, entertain and approve any negotiations or settlements proposals within personal discretion and refer to mandate official if outside personal mandate.
• Provide ongoing instructions to attorney inclusive of evidence required by court such as factual evidence, reconciliations and documentation
• Draw and summation of claim and documentation required in liquidations/sequestrations and deceased estates
• In liquidation/sequestration ensure that the liquidator is protecting the Bank's interest with regards to our assets, whether it is a vehicle, immovable property or any other.
• Assess the risk position by analysing the overall security position to ensure the correct level of impairment is raised.
• Perform financial and non-financial analysis on the client that will support and underpin the recovery strategy to be implemented for a particular group or customer
• Produce relevant management information and statistics as required. This includes reports to the Watchlist Committee if required.
• Manage bad debt exposures by taking daily legal recovery decisions and reviewing information from various systems and taking loss decisions accordingly.
• Report all risk and loss events as a result of fraud or error
• Monitor progress on defended/opposed matters in consultation with Group Legal and submit Form B.
• Engage with Team Leaders and higher levels on a matter to matter basis regarding complex matters.
• Submit Khula claim and attend to all queries until finalised
• Action all new accounts within prescribed time frame
• Follow up on all accounts regularly and manage diary dates
• Ensure that correct risk types and status codes are allocated to accounts
• Accept full and final settlements or refer if outside mandate
• Recommend write-off or canning of account
• Attend any meetings or committees as and when required, e.g Watchlist Committee.
• Negotiate with clients where necessary within own mandates, on the most
• favorable terms possible and the execution of written recommendations to
• mandate holders and or committees in respect of those matters which exceed own mandate.
• Requesting of valuations of properties
• Sign all documentation e.g. affidavits for legal action when required.
• Appear in court and present evidence when required to do so.
• Decide whether to grant leave to defend or proceed with Summary Judgment application
• Accept payment arrangements and monitor adherence to the agreement
• Consider and accept/recommend any offers on security assets like vehicles or immovable property.
• Attend to and finalise all queries/disputes and complaints from clients. If
• complaint has been officially lodged attending to and finalising it within timeframe on CCP system.
• Peruse offers to purchase (e.g. on property) and make detailed recommendation as to whether it should be accepted or not.
• Attend auctions as and when required
• Visit properties and attorneys as and when required

Accountability: Management of 3rd party relationships

• Responsible to provide instructions to 3rd party service providers as first point of entry with clear guidelines including monitoring the progress to protect the Bank's interest
• Maintain effective and professional working relationships with attorneys, EDC's insolvency practitioners and auctioneers
• Identification of poor performance trends and recommendations to management to exit relationship
• Pro-actively manage legal risks associated with the legal recovery portfolio, client interaction, internal customer interaction and other role players in the organisation
• Embed and maintain internal stakeholder relationships with Business Units
• including monthly interactions to discuss and resolve account specific issues and opportunities

Accountability: Financial performance of assigned portfolio

• To optimise recovery cash flows by implementing effective and timely action
• Ensure that security values are updated and correct as to ensure that losses are accurately accounted for in terms of policy and accounting practices
• Investigate and question 3rd party fees and commission invoices including
• Liquidation and Distribution (e.g. for Capital Gains Tax) accounts to ensure correctness and to minimize the level of legal and other expenses.
• Assertive engagements with clients and service providers in order to close transactions, settlements and compromises to the benefit of the Bank focusing on the releasing of impairment requirements and recovering as much as possible.

Education

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

End Date: June 11, 2025 (5 days left to apply)

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Job Summary

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

Job Description

• Commercial management: Accountable for managing the commercial performance (P&L) of the product across the product lifecycle in support of the business's high-level financial ambitions and Balance Sheet shape 
• Product Management: Delivers a compelling and insights led Product Proposition offering that aligns to and enables the business and customer strategies
• Product Infrastructure: Accountable for the entire end-to-end infrastructure (People, Process and Technology) on which the product runs to support the target customer experience whilst ensuring that the product remains commercially viable.

Education

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

End Date: June 11, 2025 (5 days left to apply)

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Job Summary

• Absa’s Investment Bank Technology team provides technology support to the organization’s Corporate and Investment Banking sector.  
• The Sigma and Market Data team is looking for a skilled RTB to support applications and a number of platforms including Sigma, Mopane and FX Options.
• Excellent people skills along with good problem solving skills are required as you will need to build relationships with all users and tech teams whilst understanding the complexity of the platforms and business.

Job Description

Education and experience required

• Relevant B-Degree/Diploma in Computer Science/Software Development preferred but not essential if minimum requirements of experience & practical application that enables application support in the following is evident:
• Automation / Messaging / Integration and Solutioning
• 5 years’ IT/ IT Consulting experience
• Minimum 4 years’ experience in Application for Support and Application Management in a Technology environment
• Experience in Linux server management
• Familiar with Containerisation technologies like Docker & or orchestrators like Kubernetes
• Experience and knowledge of Banking and Financial Services Business
• Experience in Stakeholder Management and engagement
• Experience in Testing
• Experience and understanding of disaster recovery, & business continuity management
• Excellent communication, analytical skills and decision making ability in collaborative environments
• Knowledge of CI / CD tools (Azure Devops)
• Excellent troubleshooting and problem-solving skills
• Understanding of Cloud platforms e.g. Azure, AWS & Google Cloud Platform

Key accountabilities: Devops & Support

• Apply critical thinking, design thinking and problem solving skills to solve technical problems on existing applications
• Implement all configuration, optimization (e.g. upgrades) & maintenance activity (e.g. regular maintenance patches) for enterprise wide applications
• Provide efficient and effective support of applications including continued development of the application and security, software patches, reliability, disaster recovery and ensure the application meets the business needs
• Schedule and oversee planned maintenance tasks, such as backups and performance tuning, for production IT services to prevent and to minimize issues
• Maintain correct and current application documentation and making it available to application users
• Oversee application implementation and configuration, patches, upgrades and maintenance, and ensure that application performance meets agreed SLAs and OLAs
• Ensure minimal business operations impact due to upgrades and maintenance activities
• Coordinate and execute unplanned maintenance tasks, such as disaster recovery procedures, for production IT services to prevent and to minimize issues
• Manage applications throughout their lifecycle and assist in the application-related aspects of designing, testing, operating and improving technology products & services
• Coordinate with infrastructure & architecture teams to ensure that the impact of system / platform migrations on applications is minimised
• Develop and maintain knowledge in application functionality, user workflow, and business processes
• Develop sufficient knowledge of application infrastructure (server, network, security) & broader organization architecture to assist with application upgrades and troubleshoot issues
• Compile and maintain inventory of applications and related details
• Manage and provide support aligned to all SLA’s
• Develop the skills required to operate and maintain the technical products & services (applications)
• Ensure that a backup system for applications and files associated with business operations is in place
• Advise on software installation and upgrades, troubleshoot problems and provide resolutions.
• Act as a liaison between business stakeholders and customers, external solution providers, and IT stakeholders for application support specific requirements
• Identify and recommend application improvement to enhance capability and performance, and minimize costs.
• Help diagnose problems and resolve incidents / issues related to applications.

Application Monitoring & Performance Management

• Verify modification requests and ensure best practices are being utilised
• Maintain metrics of operational performance and evaluate trends
• Analyse business systems to determine effectiveness, identify inadequacies, inefficiencies and problems and recommend solutions

Governance, Risk & Control

• Enhance methods and procedures for collecting, analysing, and documenting application issues, and completing user change requests.
• Ensure IT processes for transitioning completed configurations from development to production adhere to Absa frameworks and policies.

Competencies required:

• Results oriented
• Strong analytical and problem solving skills
• Excellent written and oral communication skills
• Team player – approachable, ability to share and consult others
• Understanding of the business context

Education

• Higher Diplomas: Physical, Mathematical, Computer and Life Sciences

End Date: June 11, 2025 (5 days left to apply)

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Job Summary

• To provide banking services accurately and timeously through the execution of predefined objectives as per agreed standard operating procedures (SOPs). Selecting this role has a compensation & benefit impact in TZ (NBC), Botswana, Kenya. Please contact Reward for details.

Job Description

• Customer service: Deliver customer service at first point of contact
• Capturing financial transactions: Capture all financial transactions on the Bank system and ensure that all transactions are properly authorised by a mandated official before finalising the processing
• Fraud prevention: Identify potential fraudulent transactions and report these and other suspicious transactions as per the Money Laundering control framework to management
• Capture customer data: Update demographics such as address changes, name changes and standing order instructions based on information supplied by customer. 

Education

• Further Education and Training Certificate (FETC): Business, Commerce and Management Studies (Required)

End Date: June 11, 2025 (5 days left to apply)

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Job Summary

• To deliver customer support services to enhance the customer experience through the execution of predefined objectives as per agreed standard operating procedures (SOPs). Selecting this role has a compensation & benefit impact in Seychelles. Please contact Reward for details.

Job Description

• Customer Service: Respond efficiently, accurately and courteously to all customer service matters, complaints, requests 
• Support the development and maintenance of processes in Customer Services Centre: Adhere to all processes in the CMP Customer Services centre and identify opportunities to improve Client Servicing processes 
• Monitor and control risk associated with the Customer: Ensure that all activities performed in providing Customer Services comply in all respects with Absa's risk and compliance policies and procedures as well as legal and regulatory requirements
• Stakeholder Management: Establish and maintain good professional relationships with relevant stakeholders so as to remain abreast of their needs and issues and respond rapidly and effectively
• Self-development: Owning and being proactive about own training and development 

Education

• Further Education and Training Certificate (FETC): Business, Commerce and Management Studies (Required)

End Date: June 11, 2025 (5 days left to apply)

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Job Description

Risk Management

• Providing Subject Matter Expertise to Risk types.
• Stakeholder Management: Build and Maintain effective Relationships with relevant stakeholders.
• Risk Reporting: Identify, assess and Report key risks arising from significant events, investigations, audit and control issues.
• People Management: Develop a high performing Team and management thereof.
• Risk and Control: Adherence to Policies, Procedures and Regulations.

Risk Adjusted Management

• To conduct quality credit risk assessments and present commercially minded solutions through analysis of financial, industry and economic information in support of the decision-making process.
• Pro-actively manage credit risks associated with a portfolio of clients.  
• Complete industry research and compile portfolio reviews and sensitivity analysis.
• Facilitate the end-to-end lending or restructuring process assuring responsibility for service and quality.
• Actively interact with the client service team giving credit input to ensure responsible risk taking whilst retaining commercially minded solutions.
• Facilitate / and or make the credit sanctioning decisions ensuring responsible risk decisions are made.
• Maintain and manage the relevant Risk portfolios within the defined appetite levels.
• Stakeholder engagement to ensure commercially minded solutions in the decision-making process at an agreed risk profile.
• Pro-actively manage the lending portfolios of the chosen sector or part of credit lifecycle and credit risks associated with a portfolio of clients.
• To be an expert with an advanced understanding of Macro economic environment, industries and Bank products with the associated risks.
• Review and enhancement of systems and processes with a view towards efficiency and automation whilst managing the current operational environment.
• Explore new, improved and alternative ways of lending or restructuring credit to ensure an efficient and improved end to end risk delivery.
• Build strong relationships with both global and local internal and external stakeholders.
• Effectively communicate developments within areas of activity to all relevant stakeholders.
• Ensure an efficient and timely risk delivery to clients.

Data and System Management 

• Complete industry research and compile portfolio reviews and sensitivity analysis.
• Develop, negotiate and implement appropriate Risk mitigation strategies.
• To produce relevant management information and manage exposures including the accurate maintenance of the data on relevant risk systems.
• Monitor adherence of covenants and conditions on a continuous basis and identify any deviations and possible concerns.
• Create and maintain an accurate due diligence record of the client portfolio, detailing what facilities they have and the associated terms and conditions.
• Understand and manage the required inputs into the bank’s models ensuring validity and accuracy.
• Monitor the client business performance and identify relevant risks to ensure early identification of change in the client’s business or operating environment and watchlist accordingly.
• Proactively utilize the systems and tools available for Credit Risk and partake in the ongoing development and feedback of these systems to deliver and enhanced automated credit function.
• Manage all administrative and operational aspects of the relevant portfolio of clients ensuring completeness, accuracy and validity of data.

Governance

• Ensure that the Bank’s credit policies and philosophy are complied with.
• Ensure understanding and adherence to relevant Legal requirements relevant to the Credit Lifecycle and specific industry.
• Regulatory legislation and the changing environment require an up-to-date knowledge of changes and the impact on credit risk and capital adequacy.
• Complete the necessary training requirements and Compliance processes in a timely manner.

Stakeholder Engagement

• Support the credit heads in creating a high-performance culture of individuals who are engaged.
• Portraying the right values and behaviors are portrayed in the achievement of the Risk Strategy.
• Attend team meetings and contribute fully, including suggestions for ways of improving risk delivery and management through ongoing projects.
• Develop relationships with colleagues and create a sense of engagement.
• Communicate concerns or challenges faced in a constructive and positive manner.
• Develop and maintain contacts with Specialists in other areas of the Group.
• Embrace and adapt to the diversity and change within the current Banking environment.
• Demonstrate the willingness and ability to perform to the very best levels to ensure personal alignment to the Credit Risk Strategy.

Education and Experience

• B-degree in Business or Commerce (or similar)
• Relevant postgraduate qualification such as CA / CFA/ MBA and/or 3 to 5 years’ experience within a credit risk environment.

Education

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

End Date: June 17, 2025 (11 days left to apply)

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Job Summary

• To provide specialist advise & support in the collection & analysis of investment information that enables decision making & provide a sound basis for recommendation formulation, through the execution of predefined objectives as per agreed SOPs.

Job Description

• Business Support: Assist team members with preparation, proposals and execution of opportunities in the respective product area.
• Conduct analysis on the specific product area to provide insight to team members
• Compliance and Risk Management: Fulfil all activities in adherence to relevant control processes and quality standards
• Administrative and operations support: Provide administrative and operations support and advice against standard operating procedures :

Education

• Higher Diplomas: Business, Commerce and Management Studies (Required)

End Date: June 11, 2025 (5 days left to apply)

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Job Summary

• Provide specialist advice and support in the implementation/development of operational planning and associated service delivery processes, methods and techniques.

Job Description

• Solutioning & Advisory: Provide ongoing support to senior advisors in driving business development and subsequently business targets through monitoring and identifying opportunities within the portfolio (cross selling and up-selling)
• Client Engagement: On a regular basis engage with clients around current product requirements and future product requirements to ensure client expectations are met and ultimately value created for business and client
• Risk and Control: Ensure that all risk and control requirements relating to the portfolio are met and/or implemented as required 

Education

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

End Date: June 11, 2025 (5 days left to apply)

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Job Summary

• Sales Performance Management: Establish and drive the implementation of a strategy to enhance and optimise leads for High Value banking.
• Sales and Distribution Planning: Develop the Sales execution strategy and business plan for High Value banking.
• Sales Opportunity Management: Establish value-based strategy for all leads and sales opportunities within High Value banking.
• Customer Experience Optimisation: Ensure the customer experience is of a very high standard and that brand reputation is upheld within the market.
• Stakeholder Management: Actively promote and manage the collaborative engagement of internal and external stakeholders, including regulators, suppliers, clients, service providers, business partners and other Absa entities.

Job Description

Key accountabilities:
Team Leadership

• Lead and inspire a team of senior bankers and support staff, ensuring high performance, engagement, and continuous development.
• Foster a culture of collaboration, customer centricity, and a relentless focus on continuous improvement.
• Drive the personal and professional growth of your team through coaching, mentoring, and performance feedback.

Lead Performance & Sales Optimization

• Design and execute strategies to optimize high-value banker leads and drive improvements in lead conversion rates.
• Leverage performance metrics, reporting dashboards, and analytics to track the efficiency and effectiveness of lead management and sales performance.
• Identify key performance gaps and implement corrective actions to enhance lead generation and conversion outcomes.

Sales & Distribution Channel Strategy

• Develop and execute a comprehensive go-to-market strategy for AFS distribution channels, ensuring alignment with customer needs, market dynamics, and business objectives.
• Drive channel productivity by optimizing operational processes, sales force alignment, and enhancing overall sales effectiveness.
• Continually assess and refine distribution strategies to ensure seamless customer experiences across all touchpoints.

Sales Opportunity Management

• Establish and embed a value-based framework for managing sales opportunities across the pipeline, prioritizing high-impact opportunities.
• Enhance opportunity tracking, forecasting, and conversion planning to improve sales performance and revenue realization.
• Collaborate with the team to drive the achievement of segmentation models and improve efficiencies through primacy, ensuring optimized resource allocation.

Stakeholder Engagement

• Cultivate and maintain strong, strategic relationships with key internal and external stakeholders, including regulators, suppliers, clients, and other Absa entities.
• Actively promote effective collaboration to ensure strategic alignment and successful execution of business objectives.
• Represent the business and its interests in high-level discussions with external stakeholders, ensuring alignment with regulatory standards and market trends.

Customer Experience Optimization

• Ensure customer satisfaction by managing client experience in service, speed of delivery and the quality of solutions provided.
• Build & maintain relationships with the top client base and ensure bankers maintain close relationships with all customers & prospect customers.
• Ensure customer satisfaction is maintained at a high level (+90% per the Customer Satisfaction Score)

Portfolio Governance & Controls

• Ensure that the Bank’s risk mitigation process is effectively implemented by attending to all portfolio governance and controls.

Financials Performance: 

• Meet and exceed financial performance targets as assigned. 

Preferred Education

• Post Graduate Degree
• NQF 8-10

Preferred Experience:

• Minimum 8 - 12 years relevant experience in Business Banking with specific focus on High value clients.
• Minimum of 5 years at a Senior leadership level

Knowledge and Skills

• Experience in Business development and Commercial business banking environment with a specific focus on a High Value client base
• Experience at a managerial level which includes a role in frontline

Competencies
Technical Competencies

• Sales Thinking & Execution
• Customer Centricity & Service Management
• Risk management & governance
• Strategic management, planning & Insights
• Sales & Distribution Strategy

Behavioural Competencies
Strategic Visioning:

• Business Acumen
• Problem-Solving
• Impactful Communication
• Networking and Influencing
• Inspirational People Leadership
• Collaborative Team Player
• Change Agents
• Innovation
• Drive Results
• Digitally Empowered
• Customer Obsessed

Education

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

End Date: June 13, 2025 (7 days left to apply)

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Job Summary

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

Job Description

• We are seeking a highly skilled and experienced Senior Cryptography Engineer to join our security engineering team.
• This role is critical in managing cryptographic key lifecycles, designing and maintaining secure key management systems, and ensuring compliance with industry standards such as PCI DSS.
• The ideal candidate will have deep expertise in cryptographic principles, hands-on experience with on-premise and cloud environments (AWS and Azure), and a strong understanding of risk management practices.

About the role:

• Process: Provide specialist advice and support to safeguard information systems and associated assets through the identification and management of security risks. Identify, diagnose and recommend improvements and provide specialist advice and support to ensure that solutions are appropriate and effective.
• Use practical knowledge and theoretical guidelines, to diagnose area of specialisation problems and generate workable solutions.
• Perform security audits and clean-ups to ensure accurate and up to date access within the organisation.
• Perform, advise and provide information on risk management impacts and mitigate risk in respect of system and application access.
• Analyze IT related access reports to identify discrepancies and anomalies and recommend remedial action.
• Provide specialist advice and support in defining standard operating procedures (SOP's).
• Conduct research and gather data to provide input to operational reporting and decision-making processes.
• Provide specialist advice to plan for value-added process improvements, initiatives and services to deliver on operational objectives.
• Provide expertise to identify and develop solutions to improve the quality of processes and services.
• Client/Customer: Provide support and contribute to a culture of customer service excellence that meets and exceeds exceptional service.
• Build relationships with customers that contribute to a culture of customer service excellence.
• Conduct: Ensure that all activities and duties are carried out in full compliance with regulatory requirements, Enterprise-Wide Risk Management Framework and internal Policies and Policy Standards.
• Finance: Contribute to the effective reduction of cost and financial wastage in line with organisational policies and procedures.
• Learning and Growth: Participate in forums that positively contributes to knowledge improvement.
• Provide advice and support in the management of change and offer operational support where required.

Key Responsibilities:

Key Management & Cryptographic Operations

• Oversee the full lifecycle of cryptographic keys: generation, distribution, rotation, archival, and destruction.
• Manage and maintain Hardware Security Modules (HSMs) and Key Management Systems (KMS) across on-prem and cloud environments.
• Implement and enforce key usage policies and access controls.

Engineering & Architecture

• Design and implement secure cryptographic solutions in both on-premise and cloud infrastructures (AWS KMS, Azure Key Vault).
• Collaborate with DevOps and Infrastructure teams to integrate cryptographic services into CI/CD pipelines and application workflows.
• Develop automation scripts and tools to streamline cryptographic operations and monitoring.

Compliance & Risk Management

• Ensure cryptographic systems and practices comply with PCI DSS, NIST, and other relevant standards.
• Conduct risk assessments related to cryptographic systems and recommend mitigation strategies.
• Participate in audits and provide documentation and evidence of compliance.

Collaboration & Leadership

• Act as a subject matter expert (SME) for cryptography and key management.
• Mentor junior engineers and provide guidance on secure coding and encryption best practices.
• Work cross-functionally with security, compliance, and engineering teams to align cryptographic practices with business goals.

Experience & Qualifications Required:

• Bachelor’s degree in computer science, Information Security, or a related field.
• 5+ years of experience in cryptography, key management, or security engineering roles.
• Strong knowledge of cryptographic algorithms, protocols (TLS, PKI, etc.), and standards (FIPS 140-2/3, NIST SP 800 series).
• Hands-on experience with AWS KMS, Azure Key Vault, and on-prem HSMs (e.g., Thales, Entrust, AWS CloudHSM).
• Familiarity with PCI DSS requirements and audit processes.
• Proficiency in scripting languages (Python, Bash, etc.) and infrastructure-as-code tools (Terraform, CloudFormation).

Preferred Qualifications:

• Certifications such as CISSP, CISM, AWS Security Specialty, or GIAC Cryptography (GCTY).
• Experience with containerized environments (Docker, Kubernetes) and securing secrets in such ecosystems.
• Knowledge of secure software development lifecycle (SSDLC) and threat modeling.

Competencies:

• Strong analytical and problem-solving skills.
• Excellent communication and documentation abilities.
• Ability to work independently and as part of a distributed team.
• Openness to change

Education

• Bachelor`s Degrees and Advanced Diplomas: Physical, Mathematical, Computer and Life Sciences (Required)

End Date: June 11, 2025 (5 days left to apply)

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Job Description

Accountability: Retail Credit Risk Appetite and Oversight

• Oversee the retail credit risk appetite across the group, collaborating closely with the Group Credit Portfolio Management team to allocate Credit Risk Appetite for retail credit to the various group entities.
• Challenge the proposed bottom-up retail credit risk appetite asks from each BU and country ensuring it is logical and aligned with the overall risk strategy
• Ensure that the retail credit risk appetite proposed by the retail business units aligns with the methodologies developed by the Group Credit Portfolio Management team.
• Oversee the establishment of sound portfolio triggers to ensure the bank operates within its credit risk appetite.
• Group ownership and management of the retail Early Warning Indicator process.
• Participate as an independent member in business unit governance forums, where triggers and early warning indicators are proposed and approved.
• Ensure a robust process is followed in setting these triggers and indicators, verifying that the proposed levels are sensible and supported by appropriate back-testing.
• Provide and external perspective and challenge the retail credit strategies for the group and business units. This will include views regarding retail credit strategies given the macro-economic environment as well as an evaluation and assessment of retail credit impairments given the macro-economic environment.
• Provide early warnings to the Group Chief Credit Officer and Group Chief Risk Officer regarding potential risks and issues.

Accountability: Oversight of Credit Origination Strategy and Portfolio Cut-off setting

• Oversee the development, implementation and ongoing refinement of credit origination strategies across the retail portfolios. The incumbent will be a member of the relevant governance committees where proposals for changes to origination criteria, segmentation, risk cut-offs as well as material retail credit risk models are tabled, reviewed and approved. Origination strategies and credit models need to be data-driven, responsive to market dynamics, and compliant with regulatory standards.

Accountability: Retail Credit risk methodologies, standards, governance and oversight

• The incumbent will own the Retail Credit Risk Policies from a group perspective. Work closely with the teams responsible for developing and maintaining credit standards and procedures, ensuring alignment with the Enterprise Risk Management Framework.
• Ensure that world-class methodologies and standards are employed across the group, driving consistency and excellence in retail credit management
• Drive continuous improvement of the Retail Credit Risk Management Framework and standards, ensuring they remain effective and relevant.
• Ensure international best practices with regards to retail credit risk analysis are customised and implemented consistently across the Group.
• Ensure that an appropriate Retail Credit Risk training program is in place to achieve the above outcome.
• Continuously review and monitor the quality and consistency of credit analysis across the group and ensure alignment to international best practice.
• Proactively embed agreed change management initiatives in support of related processes & continuous improvements thereof.
• Drive synergies and harmonise credit risk analysis best practices across asset classes in the Group.
• Approve any dispensation or waiver requests arising from deviations from the Enterprise Risk Management Framework (ERMF) and Credit Risk Management Framework (CRMF).

Accountability: Assurance and compliance

• Collaborate with the assurance team to ensure and test if credit policies and standards are implemented correctly, regulations are complied with, and areas for improvement are identified.
• Ensure that the combined assurance plan for retail credit is appropriate and follows a risk-based approach.
• Oversee the combined retail assurance plan between all stakeholders (business units, internal and external assurance providers) to ensure alignment of assurance activities and optimize the effectiveness of the assurance plan
• Oversee and ensure the implementation of corrective actions where necessary, maintaining effective communication with regulators and stakeholders.

Accountability: Reporting and regulatory communication

• Ensure appropriate reporting to governance committees, including tracking of portfolio triggers and EWIs, overseeing monthly updates to the regulator of the retail portfolio.
• Contribute to defining the metrics, indicators, dashboards, and reports used to present the group’s credit risk profile.
• Highlight potential strategic and emerging risks for evaluation

Accountability: General

• The individual will interface with the Board and regulatory bodies, necessitating experience and gravitas to influence strategic decisions at both the business unit and Group levels.
• Build and maintain effective and strategic relationships and networks.
• Be a thought leader in technical credit analysis and methodologies.
• Committee attendance.

The incumbent will attend the following committees to fulfil an independent oversight role:

• Retail Banking credit and governance committees
• Group Credit Risk Management Committees
• Portfolio Quality Review process to ensure that the process operates effectively and that there is appropriate portfolio reporting at each business unit.
• In addition, the incumbent will attend the following committees:
• Absa Group Credit Risk Management Committee (Board Committee)

Role/person specification

Preferred Education

• Bachelor’s or Master’s degree in Actuarial Science, Statistics, Mathematics, or related quantitative discipline

Preferred Experience

• Minimum 10 years retail banking experience, coupled with significant experience in a leadership role.

Knowledge and Skills

• Intuitive understanding of credit risk taking
• Decision making
• Comprehensive knowledge of banking legislation, risk regulations and industry standards
• Experience based knowledge of credit risk management principles, policies and practices
• Appropriate leadership, management and people skills
• Conflict management
• Analytical skills

Education

• Postgraduate Degrees and Professional Qualifications: Business, Commerce and Management Studies (Required)

End Date: June 13, 2025 (7 days left to apply)

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Job Description

Accountability:  Enterprise Risk Management Framework (ERMF) 

• Supports the Group Chief Risk Officer in the development, execution and ongoing enhancement of the Risk Strategy and its related governance ensuring alignment and support to the group strategy.
• Develops the Enterprise Risk Management Framework, Principal Risks, supporting policies and its related Risk Taxonomy ensure, it is of a global standard that is fit-for-purpose, dynamic and forward-looking and continuously enhance it and obtain annual approval from the Board.
• Tracks and manages the execution of the Risk strategy through management forums, tools like OKRs, driving cross-functional initiatives and ensuring traction on execution.
• Ensures ERMF group-wide rollout and provide the necessary training interventions.
• Designs and implement appropriate risk measures (metrics) for evaluating the embedment and effective functioning of the ERMF.
• Reviews and enhances the Risk Target Operating Model to support the execution of Risk Strategy, ensuring its alignment with the ERMF.
• Works with PROs to define and execute world-class framework for operating Risk as a Regional multi country Bank.
• Ensures that Principal Risk Officers, Risk type owners and Chief Risk Officers operate within ERMF requirements with regards to:
• Their Business Unit/ Risk type Target Operating Models
• Having appropriate governance forums for effective management of risk.
• Establish methodology, undertake ERMF related conformance reviews, and report thereon in an agreed format.
• Performs ongoing international benchmarking and annual revisions to the ERMF based on global and emerging risk themes and present these to ERC and Board on an annual basis.
• Develop a Group Framework and Policy Standard that supports the optimal functioning of the ERMF.to ensure consistency of framework and Policy writing across the group
• Fulfil the custodial responsibility of the Group Framework and Policy suite, ensuring that it remains current, is timeously approved by the appropriate governance committees and is published for group-wide adoption.
• Manage the timetable for the review of the Framework and Policy suite to:
• Ensure adherence to group policy standard
• Alignment of sub-risks to the Risk Taxonomy, and
• Escalate bridges/ deviations to Exco and Board 

Accountability: Function governance and control 

• Ensure appropriate operational risk management and control culture across the risk function.
• Set non financial risk appetite for the area and monitor adherence thereof
• Lead the design or operation of processes and controls that are to be performed by or in conjunction with the Risk Sub Functional Managing Executives or other stakeholders.
• Accountable for continued functional drive to maintain a satisfactory management control approach and control environment that addresses all applicable risk types and processes.
• Ensure that the operational risk framework is understood and embedded across all its facets in the Risk Functions.
• Accountability for the oversight and the engagement with multiple functional areas that include; Governance and Control, Conformance, Operational key risks (Resilience, etc.), Audit, Compliance and with a view on current trends and future projections
• Implement and maintain effective governance structures within the risk function
• Monitors and escalate the remediation of open and overdue audit and management assurance action items within the operating environment for the Risk Function.

Accountability: Combined Assurance

• Provide clear direction on strategic goals, translating and prioritising them into business and performance measures
• Develop and Maintain the group Combined Assurance framework in alignment with governance, risk and compliance strategies.
• Act as strategic advisor to the group executives of the control functions (Risk, Internal Audit and Compliance) providing assurance, insights and reports on the effectiveness on controls in the organisaiton
• Facilitate the coordination of assurance across the three lines of deference to optimize assurance coverage and avoid duplication.
• Establish and oversee the Group Combined Assurance plan aligned with the groups Strategic priorities and risk profile and ensure assurance activities are planned and executed in a risk-based and integrated manner.
• Regularly report on the adequacy of internal controls to the group;s executive management and the Group Audit and Compliance committee working closely with the RTO: Operational and resilience risk.
• Provide consolidated insights to senior management
• Track implementation of actions resulting from assurance reviews.
• Put into place the required tools to ensure assurance work is executed in a consistent manner by each line of defence.

Accountability: People Management

• Provide clear direction on strategic goals, translating and prioritising them into business and performance measures
• Role model the Absa values and embed them through the function, enabling colleagues to operate and demonstrate the values at all times
• Review resource plans and ensure that resource allocation is in line with projected business plans and priorities
• With the HC partner, build an environment to support talent management, development and mobility
• Ensure people plans that align to the respective business and succession plans are in place
• Drive and lead the diversity and inclusion (D&I) agenda across the team. Ensure all relevant D&I activity is conducted within the function and contribute to the Absa D&I strategy
• Leverage the Absa wide learning agenda to develop and grow the capabilities within the team

Accountability: Stakeholder Management

• Build and maintain effective relationships with Operational Risk Heads and the Business Unit/Function CRO’s
• Actively participate in external forums as a means to establish and maintain networks in the financial services industry. Keep abreast of Industry and Regulatory developments
• Ensure effective interaction with the Absa Group CRO, CIA and Chief Compliance Officer together with their exco’
• Interface with all the Prudential Authority (South African Reserve Bank), and/or non-executive governance structures on risk matters.

Role/person specification

Preferred Education

BCom Hons, CA (SA), MBA, Masters or a related NQF Level 6 equivalent qualification
Preferred Experience

• Ten (10+) years’ experience in the Banking sector which must include proven experience. Ideally with international/regional exposure
• Ten (10) years ‘experience managing a large Control or Operations environment
• Five (5) years’ experience on a senior management level in a large corporate
• Experience at engagement at a Board level (Preferable)

Knowledge and Skills

• Strategic thinking: Ability to think and act in a strategic manner
• Communication and Influence: ability to communicate effectively across a range of senior stakeholders
• Strong networking skills. Awareness of cultural differences and varying legal/regulatory environments. Proven demonstration of communication skills at all levels within a large organisation. Stakeholder management on a senior and executive management level
• Innovation and change: ability to identify opportunities to improve service and deliver on these
• Proven leadership: ability to direct a large number of staff to achieve the Function objectives and goals.
• People management: ability to form and develop high performing teams with robust bench-strength. People development/management skills/orientation and team leadership
• Problem solving and decision-making: ability to quickly understand a situation and take decisive action that is bought into by stakeholders. Courageous to make tough calls
• Quality and Excellence: Commitment to quality, high standards and robust risk/control management. Proven ability to deliver service excellence, managing often conflicting priorities
• Strong knowledge of Corporate and Investment banking and broad technical products skills and general commercial/industry awareness
• Good knowledge of risk, controls and governance processes, tools and practices
• Domestic and international travel required
• Experience of working in a multinational, multi-segment environment with matrix reporting structures

Education

• Postgraduate Degrees and Professional Qualifications: Business, Commerce and Management Studies (Required)

End Date: June 13, 2025 (7 days left to apply)

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Job Description

Accountability:  Risk Management 

• Actively challenge and contribute to the Functional strategies and risk shape/profile in the context of the regulatory and/or macro-economic environment
• Determine the overall Risk Appetite and risk strategy and propose the same for approval to the respective committees
• Allocate and monitor the Enterprise wide Risk Profile in liaison with each Function’s ME ensuring alignment with their approved strategy and ensure it is consistent with the overall approved Group Risk Appetite
• Manage and monitor the Enterprise wide Risk profile and ensure it is appropriate, well understood and controlled by all stakeholders
• Identify risks, report on risks at ERC and Board, manage and monitor risks (implement appropriate Key Risk indicators)
• Ensure appropriate policies developed on People Risk, Financial Reporting Risk, Tax Risk, Third Party Risk, Legal Risk, Physical Assets Risk working through the BU (function) ME and Head Operational and Resilience Risk
• Outline and implement an effective governance framework for all risks in line with regulatory requirements
• Ensure implementation of Operational Risk Management framework and systems
• Ensure knowledge and compliance with Regulatory requirements for Operational risk and with all other relevant laws and legislation pertaining to the Group Functions
• Fulfil all duties and responsibilities as defined in the King Report on Corporate Governance
• Ensure that risk management activities are robust, thorough and complete and that risk capabilities in each Function are developed and commensurate with risks inherent and strategy/plans
• Establish appropriate systems and controls including assurance to identify, assess, measure, report, control and manage key risks. Ensure timely escalation of risk issues to enable effective mitigation
• Develop and maintain applicable risk standards and oversee risk and control in Critical Processes and Management Control Approach (MCA)
• Implement a combined assurance strategy for the Group Functions.
• Report to the Group Chief Risk Officer, and the various Functions’ Executive Committees (Function ExCo’s) and relevant committees, regulators and other stakeholders on the business area’s risk positions, adherence to Risk Appetite and control environment.
• Ensure the timely response and remediation of regulatory issues
• Implement Risk Measurement models and methodologies ensuring practices are in line with regulatory and accounting principles and standards
• Monitor and check and challenge the risk profiles of the Businesses / Group Functions
• Conduct control assurance focusing on 1LoD conformance testing and sample testing
• Influence behaviour to reduce risk and foster a strong risk management culture throughout the Group Functions
• Provide risk awareness training

Accountability: Frameworks, Controls and Processes 

• All Principal and Key Risks, as defined in the Enterprise Risk Management Framework, to be proactively identified, assessed, controlled, reported, managed and challenged on a normal and stressed scenario basis.
• Champions an appropriate operational risk management and control culture across the Group functions.
• The design or operation of processes and controls are to be performed by or in conjunction with Group Functions’ Managing Executives or other stakeholders, with the Group Functions’ CRO to retain accountability for the effectiveness, oversight and outcomes thereof.
• Ensures a continuing business drive to maintain a satisfactory management control approach and control environment that addresses all risk types and processes.
• Ensure that the operational risk framework is understood and embedded across all its facets in the Group Functions.
• Monitors and escalate the remediation of open and overdue audit and management assurance action items within the operating environment for the Function.
• Leads the interaction of the different risk management specialist areas (Risk, Internal Audit, Group Compliance) to ensure an understanding of the requirements and that functional policies and processes incorporate all the necessary elements.
• Establishes an appropriate strategy around emerging risk themes and mitigation approaches.
• Contributes to the development of the Enterprise Risk Management Framework and ensure embedment of the principal risk types and the effective ongoing management of all risks.

Accountability: Risk Functional Strategy and Technology Book of Work

• Ensures the effectiveness of the integrated Risk Strategy planning process, including Cluster Risk Functional strategies in anticipation and maintenance of industry best practice and that this strategy aligns to and supports the AGL strategy. This includes development and approval of the Group Risk scorecard.
• Translates short & medium term business strategy into resourcing and capability needs for the Risk Function, identify gaps and implement measures to close gaps.
• Determines a service/cost strategy that delivers service at the right cost to underscore the appropriate value propositions.
• Benchmark Risk¦s capabilities against our peers, including people skills, compensation, technical abilities, systems, processes, models, structures, design and recommend changes.
• Ensures functional co-ordination and delivery of all technological change programmes.
• Functional co-ordination of adherence to all Data standards including RDARR.
• Management of one Functional Book of Work that unlocks the functional delivery strategy.
• Ensures the Group Risk Book of Work is aligned to that of the enterprise strategy and prioritised in line with Functional aspirations.
• Oversees the execution of the Book of Work delivery for the Risk Function, and provide advice and counsel to Risk Functional and Project leadership (Executive Sponsors) to ensure that the project methodology is robust and in line with Group Policy and standards.
• Ensures that the appropriate return on investment (ROI) is realised by building a culture and discipline of benefits tracking.

Accountability: Data governance and Architecture

• Define and execute the data governance strategy aligned with the groups risk management objectives and group data strategy.
• Provide leadership and guide the functions data owners and stewards
• Establish and monitor data quality KPI’s
• Ensure timely resolution of data quality issues
• Collaborate with data producers and consumers across the organisation to ensure quality risk data inputs
• Enusre end to end data lineage for key risk data (RDARR compliance)
• Enforce data governance and adherence to the groups data and records management policy.
• Define and maintain the target state architecture for risk data including flows and integration points.
• Ensure alignment of data architecture with technology strategies

Accountability: People Management

• Provide clear direction on strategic goals, translating and prioritising them into business and performance measures
• Role model the Absa values and embed them through the function, enabling colleagues to operate and demonstrate the values at all times
• Review resource plans and ensure that resource allocation is in line with projected business plans and priorities
• With the HC partner, lead the function and build an environment to support talent management, development and mobility
• Ensure people plans that align to the respective business and succession plans are in place
• Drive and lead the diversity and inclusion (D&I) agenda across the function. Ensure all relevant D&I activity is conducted within the function and contribute to the Absa D&I strategy
• Ensure that the remuneration of the function is in line with industry benchmarking
• Leverage the Absa wide learning agenda to develop and grow the capabilities within the function

Accountability: Stakeholder Management

• Build and maintain effective relationships with Functional Heads
• Actively participate in external forums as a means to establish and maintain networks in the financial services industry. Keep abreast of Industry and Regulatory developments
• Ensure effective interaction with the Absa Group CRO and his/her ExCo
• Interface with all the Prudential Authority (South African Reserve Bank), and/or non-executive governance structures on risk matters.

Accountability: Business Management

• Ownership and accountability for the annual planning and review of MTP, STP and RAF budget
• Manage the effective and efficient operation of the function in a manner consistent with the overall Risk Target Operating Model agreed by Group Risk ExCo.

Role/person specification

Preferred Education

• BSc Hons Degree, BCom Hons, MBA, Masters or a related NQF Level 6 equivalent qualification

Preferred Experience

• Ten (10+) years’ experience in the Banking sector which must include proven experience. Ideally with international/regional exposure
• Ten (10) years ‘experience managing a large Control or Operations environment
• Five (5) years’ experience on a senior management level in a large corporate
• Experience at engagement at a Board level (Preferable)

Knowledge and Skills

• Strategic thinking: Ability to think and act in a strategic manner
• Communication and Influence: ability to communicate effectively across a range of senior stakeholders
• Strong networking skills. Awareness of cultural differences and varying legal/regulatory environments. Proven demonstration of communication skills at all levels within a large organisation. Stakeholder management on a senior and executive management level
• Innovation and change: ability to identify opportunities to improve service and deliver on these
• Proven leadership: ability to direct a large number of staff to achieve the Function objectives and goals.
• People management: ability to form and develop high performing teams with robust bench-strength. People development/management skills/orientation and team leadership
• Problem solving and decision-making: ability to quickly understand a situation and take decisive action that is bought into by stakeholders. Courageous to make tough calls
• Quality and Excellence: Commitment to quality, high standards and robust risk/control management. Proven ability to deliver service excellence, managing often conflicting priorities
• Strong knowledge of Corporate and Investment banking and broad technical products skills and general commercial/industry awareness
• Good knowledge of risk, controls and governance processes, tools and practices
• Domestic and international travel required
• Experience of working in a multinational, multi-segment environment with matrix reporting structures

Education

• Postgraduate Degrees and Professional Qualifications: Business, Commerce and Management Studies (Required)

End Date: June 13, 2025 (7 days left to apply)

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Job Description

ACCOUNTABILITIES

Strategy Formulation and Execution

• Define and deliver the integrated Unsecured Lending strategy across Card, Personal Loans, Sales Commercialisation, and Collections, with direct oversight of performance tracking, KVDs, and multi-year planning.
• Set and articulate a long-term strategy with defined objectives, success metrics, and alignment to Group direction and shareholder value creation.
• Develop and communicate a clear strategic vision for the business unit, ensuring alignment with organisational goals, fostering a culture of innovation, and shaping industry discourse.
• Strengthen the bank’s competitiveness through strategic partnerships and industry influence.
• Engage proactively with strategic stakeholders, industry bodies, and regulators to shape and evolve strategy in response to market dynamics and policy developments.
• Oversee the disciplined execution of strategic priorities, ensuring business enablement and operational readiness across the business unit.
• Drive and monitor business unit performance, ensuring timely delivery against strategic goals, and provide transparent reporting on progress, risks, and outcomes.
• Lead transformation as a deeply committed journey, positioning the bank as a customer-centric organisation underpinned by robust journey management and market-leading products.

Customer Primacy

• Lead the design of future-fit customer value propositions across Card, PL, and Sales Commercialisation, aligned to needs-based segments, customer insights, and seamless fulfilment experiences.
• Leverage market trends, competitor intelligence, and global best practices to generate strategic insights that shape business direction.
• Apply deep customer understanding to guide capability development, prioritisation, and value creation across the business.
• Champion a culture of customer-centricity that balances exceptional experience with sustainable financial performance.
• Prioritise customer-centric initiatives that use data and insights to elevate customer experience, satisfaction, and loyalty—driving both growth and profitability.
• Promote collaboration across business units and product areas to harmonise capabilities, ensuring seamless and differentiated customer journeys.
• Advocate for the segment agenda at executive level, ensuring alignment and integration with Group priorities and cross-functional stakeholders.

Sustainable Growth

• Maximise growth through commercialisation of Card and PL, expanded Bancassurance penetration, and development of new revenue pools including Side Hustle, BNPL, and Acquiring.
• Lead the delivery of the segment growth agenda in alignment with Group strategic priorities and shareholder expectations.
• Collaborate across the Executive team and with key stakeholders to translate strategic intent into executable growth plans.
• Mobilise the business unit to deliver on strategic objectives, securing ownership, accountability, and cross-functional commitment.
• Accelerate the segment and the business unit’s contribution to sustainable, enterprise-wide performance and long-term value creation.
• Ensure investment decisions reflect both customer and product P&L considerations, and that they align to strategic imperatives and financial sustainability.

Client-Driven Innovation and Change

• Drive an innovation agenda for the Unsecured Lending portfolio through future-oriented propositions, payment innovation, and design-led experimentation.
• Stay informed of industry and competitor trends to ensure business decisions support market relevance and client value.
• Influence business decisions and capability development to support innovative, client-centric solutions across the value chain.
• Actively shape the client experience agenda through strategic input, cross-functional collaboration, and delivery accountability.
• Lead and manage change initiatives with discipline and empathy, driving transformation practices with clearly articulated outcomes, while ensuring business continuity.

Leading Talent

• Build deep capability across Cards, PL, Sales Transformation, and Collections through strategic workforce planning, upskilling, and an innovation-driven culture.
• Adopt and apply enterprise-wide human capital processes in ways that reinforce the organisation’s brand, values, and strategic priorities.
• Ensure leadership and workforce capabilities are developed to meet current and future business needs.
• Foster a high-performance, inclusive culture that supports employee engagement and delivers on the employee value proposition.
• Provide executive oversight on people matters, including performance management, talent recognition, and resolution of escalated issues.
• Attract, develop, and retain top talent, creating pathways for diversified experiences and future-ready skills development.
• Empower leaders to act as culture shapers and catalysts for transformation.

Operational Effectiveness

• Oversee end-to-end execution across product operations (PL), card optimisation, collections processing, and RCCS, ensuring precision, speed, and customer care.
• Translate strategic priorities into clear operational plans and performance measures, ensuring disciplined execution and timely course correction where required.
• Ensure alignment with other business units to ensure coherent delivery, operational integration, and resource optimisation.
• Represent the business with regulators and in key industry forums, reinforcing strategic positioning and operational credibility.
• Leverage business intelligence, performance insights, and external trends to inform decision-making and shape operational direction.
• Drive operational excellence through comprehensive process reviews aimed at harmonising with customer journeys and enabling faster execution through digital adoption and modernised technologies.

Digital Adoption

• Accelerate digitisation of lending journeys, card servicing, onboarding, and customer collections touchpoints to improve adoption and reduce friction.
• Identify and champion opportunities to digitise, automate, and innovate in ways that enhance customer experience, operational efficiency, and strategic agility.
• Drive the adoption and optimisation of digital platforms and technologies to unlock business value, scalability, and performance excellence.

Good Governance, Risk and Compliance

• Govern risk across Card, PL, and Collections (including Off-Balance Sheet), and lead NAPA, assurance, and supplier management for internal and external partners.
• Lead the implementation of integrated governance, compliance, and internal control frameworks that uphold the organisation’s integrity and licence to operate.
• Embed a culture of risk-aware decision-making and proactively address complex regulatory and business risks to safeguard long-term sustainability.
• Ensure a robust risk management framework is operational at all levels, integrated into day-to-day decision-making and strategic planning.

Data Monetisation

• Enable capital allocation decisions and collection strategies using profitability tools, interest calculations, and customer-level risk-return analytics.
• Harness data as a strategic asset to inform decision-making, optimise performance, and unlock new sources of economic value.
• Leverage internal and external data ecosystems to drive actionable insights and deliver measurable business outcomes at scale.

Stakeholder Management

• Build strategic partnerships across Credit, Finance, Legal, Digital, External Debt Collectors, and Bancassurance to enable integrated product and customer delivery.
• Build and maintain strong, trust-based relationships with customers, employees, regulators, and strategic partners to enable collaborative execution of the transformation agenda.
• Ensure stakeholder alignment around key priorities, promoting shared ownership of the Bank’s vision and value creation goals.

Education

• Bachelor Honours Degree: Business, Commerce and Management Studies (Required), Postgraduate Degrees and Professional Qualifications: Business, Commerce and Management Studies (Required)

End Date: June 13, 2025 (7 days left to apply)

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Job Summary

• To provide specialist product development expertise and data-driven insights to inform decision-making, improve product performance, and drive innovation.
• This role combines market analysis, data insights, and product management practices to enable effective product formulation and optimization

Job Description

Product Innovation & Data Insights:

• Undertake market and data analysis to identify product and market share opportunities.
• Leverage data science techniques and insights to build frameworks to assess product performance and profitability that effectively inform product strategies and build a robust product improvement and innovation pipeline aligned to identified opportunities.

Product Change & Optimization:

• Plan, manage, and continuously improve product investments, activities, and enhancements using data insights and performance trends to optimize outcomes and deliver value.

Product Performance & Data Monitoring:

• Manage and monitor product performance through key data metrics such as profitability, sales volumes, customer trends, and other relevant indicators. Provide actionable insights based on data analysis to drive product enhancements and business value.

Product Development Management & Execution:

• Lead end-to-end product development initiatives, from concept to implementation, manage multiple projects, ensuring timelines, budgets, and stakeholder expectations are met and work closely with IT and operations teams to support the development and execution of new product features.

Risk, Control & Regulatory Compliance:

• Ensure all products comply with applicable Regulatory and Compliance requirements. Maintain an in-depth understanding of the regulatory environment and integrate data governance principles to manage risks effectively.

Required Skills 

• Analytical Expertise: Strong ability to analyze financial data, customer insights, and product performance.
• Business Acumen: Understanding of the credit card market, competitive dynamics, and revenue optimization strategies.
• Project Management: Experience in leading projects with multiple stakeholders, utilizing methodologies like Agile or Lean.
• Technical Knowledge: Familiarity with digital payment trends, fintech innovations, and credit risk management.
• Stakeholder Engagement: Ability to collaborate across teams to drive successful product outcomes.

Qualifications 

• Bachelor's degree in Business Science, Business Informatics, I.T, Engineering, Information Systems or Business Management (Masters degree preferred).
• Minimum 7 years’ experience in credit card product development, financial services, or related roles.
• Proven track record of leading product initiatives in a complex business environment.

Industry Certifications (Preferred):

• Certified Payments Professional (CPP) or PASA Foundational and Practitioner certification – Knowledge in payment systems and transactions.
• Agile or Scrum Certification –Managing product launches in dynamic environments.

Education

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

End Date: June 10, 2025 (4 days left to apply)

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Job Summary

• To design, implement, and monitor governance frameworks, policies, and controls to ensure compliance with regulatory requirements and mitigate operational, financial, and reputational risks within the bank.

Job Description

• Actively participate in all of the audit phases - planning and scoping (identification of risks and controls), fieldwork (execution of design and operating effectiveness assessments) and reporting (ensure audit observations and planned actions are agreed with management for factual accuracy).
• Ensure that delivery adheres to the Fraud Solutions Assurance Methodology, Absa Governance Framework and quality standards.
• Provide timely feedback to the Head of Fraud Controls and Governance, functional heads, and fraud assurance team members with progress on identified issues and observations raised.
• Support the development and implementation of data analytics driven business-monitoring programmes to support the Fraud Solutions Assurance and Fraud Loss team.
• Develop, implement, and oversee governance policies and procedures.
• Ensure alignment with regulatory standards, internal policies, and industry best practices.
• Maintain and update the corporate governance structure, including committee charters, delegation of authority, and reporting lines.
• Identify, assess, and manage risks associated with banking operations and regulatory obligations.
• Lead internal and external audit preparations and implement recommendations.
• Develop and monitor internal controls to safeguard the bank’s assets and ensure data integrity.
• Conduct regular reviews and testing of controls to identify weaknesses or gaps.
• Prepare and present regular governance and risk reports to senior management and the board.
• Maintain documentation related to policies, incidents, and audits.
• Ensure transparent and accurate reporting to regulators and stakeholders.
• Act as a liaison between regulators, auditors, and the bank.
• Provide guidance and training to staff on governance, controls, and compliance matters.
• Collaborate with internal departments, including Risk, Compliance, and Operations, to strengthen the control environment.
• Develop and maintain business continuity and crisis management plans.
• Conduct periodic simulations and tests to ensure readiness.

Stakeholder engagement and Portfolio management

• Develop and maintain relationships with business (including, Fraud Solutions Functional areas, 1,2 & 3LOD, Compliance and Internal Audit).
• Support the Combined Assurance effort across 1, 2 & 3LOD to strengthen the Fraud Solutions control environment.
• Provide input into the Fraud Solutions risk and committee reporting, clear messaging and impact on the risk and control environment of the business.

Knowledge Management

• Display professional skepticism and apply a residual risk lens to potential assurance review issues with management and in final reporting.
• Continuous upskilling on both technical and other core competencies.
• Keeping up to date with industry trends, regulatory changes and professional standards.
• Assist in upskilling team members as well as stakeholders to ensure knowledge sharing and skills transfer across the Fraud Assurance and Governance team.

Knowledge and skills

• Practical experience of development and execution of IT General and Application Controls, analytics programs to assess risk and related control environments as part of an internal or external audit role/function, or as part of a risk management function.
• Solid understanding of financial accounting Principles, risk and governance
• Detailed understanding of business Processes, Risks and Controls.
• Knowledge and experience in the use of IBM Open Pages.

Advantageous:

• Practical knowledge of data mining, data analysis and visualization techniques.

Financial analysis

• Experience doing technology or cyber security audit or assurance work.
• Experience in Banking or Financial Services, Forensic Accounting or Auditing.

Education

• B Degree (e.g., Commercial, Informatics, Statistics, Computer Science, Audit)
• Completed Internal Audit or SAICA Articles and 2 years Post articles experience minimum.

Education

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

End Date: June 11, 2025 (5 days left to apply)

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Job Summary

• To embed effective Operational and Resilience Risk Management (ORRM) practices within the Business Unit (BU) and to effectively implement Absa Group ORRM policies and framework. Contribute to establishing and maintaining an integrated and effective risk management framework where risks are identified, quantified and managed on a consistent basis via the specialised risk management execution framework. Provide technical ORRM expertise and advice to Leadership and all stakeholders in the BU.
• The role supports key functions in RB namely: Strategy, CVM & Sectors, Human Capital, Legal and Finance.

Job Description

Key deliverables will be to:

• Coordinate key activities to sustain a Satisfactory Control Environment. This involves coordinating activities of Principal Risk and related Sub Risks subject matter experts to keep the risk profile within acceptable thresholds.
• Execute CPA’s and RCSA’s per the relevant policies and standards.
• Execute risk event management, with a focus on recoveries, root cause analyses, lessons learnt and ensuring that risk event process and standard is adhered to.
• Drive remediation of all issues in line with the issue management process and standards
• Risk Reporting: Identify, assess and Report key risks arising from significant events, investigations, audit and control issues
• Running appropriate risk governance forum and report appropriately on risk outcomes as may be necessary.
• Building and maintaining effective relationships with key stakeholders, which includes the first line of defense (1LOD) colleagues in business, Principal and Sub risk SME's, second line risk partners and internal audit and other assurance providers.
• Developing and monitoring KRI's to ensure monitoring of the key risks facing the business where these need to be supplemented.
• Ensure that all Compliance Risk framework elements are implemented and reported in the business.
• Drive any risk deliverables that may be required to demonstrate that the business is embedding ORRMF, Conduct Risk and Fin Crime Risks and any elements from the Enterprise Risk Management Framework that impact this function.
• Promote risk and control awareness and work with stakeholders to develop and embed the understanding of the importance of risk and mitigation plan.

Education

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

End Date: June 11, 2025 (5 days left to apply)