In 1998 Rand Merchant Bank Holdings and the financial services interests (First National Bank of Southern Africa Limited "FNB"? and Southern Life Limited) of Anglo-American were merged to form FirstRand Limited. FNB became a wholly owned subsidiary of FirstRand and currently trades as a division of FirstRand Bank Limited. FNB provides personal, ...
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Job Description
- Responsible for providing the direction and managing the creative process of a small specialist team.
- Work with the customer segment owners (consumers) to define the requirements for the FRB cross-rail product offering including alignment to customer journeys, experience and usability.
- Initiate competitor analysis to benchmark our product offering to what the broader market is offering.
- Establishment, alignment and management of target and budget goals whilst ensuring effective control of costs for a range of functional areas to increase cost efficiency.
- Deliver exceptional service that exceeds customers’ expectations through proactive, innovative and appropriate solutions.
- Cultivate and manage objective working relationships with a variety of stakeholders, including end-users, customer segment owners, SME’s, project managers and senior staff members.
- Maintenance of expert knowledge on relevant legislative amendments industry best practices and provision of proactive advice and solutions to relevant stakeholders
- Develop a product strategy aligned to business strategy to ensure business growth and sustainability.
- Translate strategies into actionable goals and execute relevant projects / initiatives aligned to strategic objectives with specific performance measures and control systems to track progress.
- Implement and maintain sound business processes that minimise risk and deliver quality requirements specifications. Findings that arise as a result of internal or external audit and client management and risk.
- Manage designated product development projects from inception to final execution, including post implementation evaluation.
- Initiate and manage market research, data mining and quantitative analysis to ensure sustainability and future competitive growth.
Additional Requirements
Unified Customer Onboarding:
- Provide a single- entry point for customers to onboard across all services. Enable customers to selectively activate or deactivate services during onboarding.
Seamless Customer Experience:
- Ensure consistent and seamless user experience across all payment and collection channels bank and user
- Abstract backend complexity (e.g., rail types, payment layers) from the customer.
Market-Driven Strategy:
- Define the “what” based on customer needs, not internal capabilities.
- Conduct market research to understand customer expectations and pain points.
Ecosystem Expansion:
- Extend services beyond payments into adjacent ecosystems:
- Invoicing (presentment + payment)
- E-commerce platforms
- Online marketplaces
Cross-Domain Expertise
- Seek individuals who understand payments and collections across multiple rails.
- Require ability to collaborate across silos and translate customer needs into strategy.
Customer Experience Design
- Design unified payment experiences across different payment methods (e.g., card, eBucks, request-to-pay).
- Benchmark against best-in-class experiences (e.g., Apple Pay, Google Pay).
You will be an ideal candidate if you:
- Are a holder of a Bachelor of Commerce
- Have a minimum 5 years’ experience
- Have a minimum 2 years’ experience in managing cross functional teams
- Have experience in Project Management
- Have experience in payments processes and systems
- Have a strong operational understanding of systems and processes of payments including High Value
- Have an understanding of payments regulations
- Have an ability to understands, quantify and mitigate risk.
- Have a high standard of ethical behaviour
- Have an ability to implement strategic initiatives and manage projects
- Are outcome driven with a Strong business acumen and financial proficiency
Closing Date:
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Are you someone who can:
- Create and prepare business cases to support design of solutions, products and enhancements that will deliver on the strategic objectives of product house or business unit
- Prevent wastage and identify process improvements to contain and reduce costs
- Develop, encourage and nurture collaborative relationships within FNB and/or across the FRG
- Continuously assess own performance, seek timely and clear feedback and request training where appropriate
- Develop new insights into situations and apply innovative solutions to make organisational improvements
- Ensure compliance to legislative and audit requirements and adherence to relevant processes
- Compile reports that track progress and guide business to make informed decisions
- Build working relationships across teams and functional lines to enhance work delivery, collaboration and innovation
- Deliver internal and external customer service excellence through adherence to quality service standards
- Facilitate and coordinate end to end implementation of prioritised and approved solutions for relevant product house or business unit
- Analyse data to identify opportunities for efficiencies and growth in business
You will be an ideal candidate if you:
- Have a strong operations background
- Have knowledge of outbound dialer processes and systems in either sales, service, and or collection environments
- Can analyse, recommend, implement and monitor dialer strategies to support business operations
- Understand campaign management and monitoring on the dialer solution
- Understand dialer analytics and reporting to support business processes
- Can provide best practice guidance and contribute towards building of the dialer capability
- Can establish and maintain stakeholder relationships
- Have effective project management and project reporting skills
- Have good communication skills
- Have 3 to 5 years’ experience in similar environment
- Have solution viability assessment and business case orientation
- Have strong understanding of business process definition and re-engineering requirements
- Have a moderate understanding of project management and system, data or business testing requirements principles
- Have experience in documenting and implementing projects/ initiatives in line with business vision and strategy
- Have experience in the analysis and compilation of business information and intelligence
- Have a strong knowledge and use of design process tools (e.g. Visio, Firstmap)
- Have a relevant Diploma or degree in Business/ Engineering/ IT or similar
You will have access to:
- Opportunities to network and collaborate
- Challenging Working
- Opportunities to innovate
Closing Date:
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Key Responsibilities:
Model Development
- Design, develop, and implement IFRS 9-compliant models for Expected Credit Loss (ECL), including Probability of Default (PD), Loss Given Default (LGD), Significant Increase in Credit Risk (SICR), forward-looking models (FLI), and Exposure at Default (EAD).
- Ensure models align with broader African countries' regulatory requirements and internal risk policies.
- Utilise statistical and econometric techniques to build robust, predictive models.
- Incorporate macroeconomic variables and forward-looking information into models.
Model Validation
- Conduct rigorous validation of IFRS 9 models to ensure accuracy, reliability, and compliance.
- Include actuals vs expected, population stability of the model variables, Gini of the model and the like.
- Perform sensitivity analysis, stress testing, and back-testing of models.
- Address model deficiencies and implement enhancements as needed.
Model Monitoring
- Establish and maintain ongoing monitoring frameworks to assess model performance.
- Identify and report model drift, recalibration needs, or performance issues.
- Ensure timely updates to models in response to changes in economic conditions or regulatory guidelines.
Stakeholder Engagement
- Present model methodologies, validation results, and performance metrics to the Technical Committee and other governance forums.
- Engage internal and external auditors on topics related to broader Africa models.
- Communicate complex technical concepts to non-technical stakeholders clearly and effectively.
- Collaborate with internal teams (e.g., Risk, Finance, Audit) and external stakeholders (e.g., regulators, auditors).
Team Management
- Manage, mentor, and develop two junior model developers, providing technical guidance and fostering professional growth.
- Set clear objectives, conduct performance reviews, and ensure alignment with departmental goals.
- Promote a collaborative and innovative team culture.
- Regulatory and Compliance Oversight
- Stay updated on IFRS 9, Basel, and other relevant regulatory changes impacting model development.
- Ensure all models and processes comply with internal governance and external regulatory standards.
- Support audits and regulatory inspections by providing documentation and technical expertise.
You will be an ideal candidate if you have:
- Minimum of 3 years of experience in credit risk modelling, with expertise in scoring, IFRS 9 ECL, Basel models, or related quantitative modelling.
- Strong knowledge of statistical modelling techniques, including Logistic Regression, Probability of Default (PD), Exposure at Default (EAD), Loss Given Default (LGD), and Survival Analysis.
- Proven ability to engage with auditors and explain complex technical concepts clearly and concisely.
- Experience with model calibration, validation, monitoring, and stress testing processes.
- Proficiency in programming languages/tools such as Python, R, SAS, or SQL is advantageous.
- Excellent analytical skills and attention to detail.
- Ability to work independently and collaboratively in a fast-paced environment.
Preferred Qualifications:
- Advanced degree (e.g., master’s or PhD) in Statistics, Mathematics, Data Science, or a related field.
- Prior experience in financial services or banking, particularly in credit risk.
- Familiarity with Basel III/IV frameworks and their application to credit risk modelling.
You will have access to:
- Opportunities to network and collaborate.
- Challenging Working
- Opportunities to innovate.
We can be a match if you are:
- Curious & courageous - you are driven by always wanting to know more and learn more and you are brave enough to
- Obsessed with mastery - you know what it takes to become good at what you do and are constantly pushing yourself to do it.
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Job Description
- To run, manage and lead the finance operations team dealing with primarily payments, deposits, fees and reconciliations, which are items that impact both the clients and the business directly
- Deliver customer experience excellence aligned to Organizational values and service standards
- Research, enable and consult on improvements and opportunities to harness technology and platform enablement
- Review existing processes and suggest innovative ideas to improve and streamline processes to drive efficiencies and minimize redundancy
- Ensure that processes, control requirements and risk management frameworks are in place for the area and are understood by all members of the team
- Ensure that the teams understand the compliance requirements in the function
- Create actions to address gaps
- Drive the ComSpace and Elite Wealth systems to ensure delivery of the required results and push for further enhancements where development is required as it relates to Advice fees and Assets under Advice.
- Ensure adequate controls and maintenance of advice fee and commission related bank accounts
- Enhance current processes to achieve greater efficiencies
- Ensure oversight over month-end processes to ensure correctness of fees, AUA and reconciliations
- Ensure all areas of finance operations are in accordance with required controls and monitoring in place
- Plan and manage performance, skills development, employment equity, talent and culture of team in order to improve innovation, achieve efficiencies and increase competencies.
- Manage own development to increase own competencies.
Minimum Requirements:
- BCom Degree
- 3 years’ experience in Finance Operations
Closing Date:
go to method of application »
Job Description
- To provide the customers with excellent service by ensuring that they are served promptly, understanding their needs and processing their requests
- Achieve net profit growth for business
- Achieve the delivery of exceptional customer experience against the Balanced Scorecard standards
- Manage the migration of accounts from transactional to Self Service
- Manage the growth of active customer Account Base to increase client base
- Maximise cross sell opportunities and strengthen client relationships
- Track, control and influence sales activities with the specific aim to achieve previously determined sales targets.
- Provision of an efficient administration service through careful and timeous planning, reporting and updating of all related information
- Comply with governance in terms of legislative and audit requirements
- Check all transactions on a daily basis to ensure new business applications are closed within appropriate timelines.
- Track, control and influence sales and service activities with the specific aim to increase sales and service efficiencies
- Compliance with procedures and processes contained in the Golden Rules.
- Provide accurate and reliable sales and service statistics.
- Manage own development to increase own competencies
End Date: May 29, 2025
go to method of application »
Job Description
- To provide the customers with excellent service by ensuring that they are served promptly, understanding their needs and processing their requests
- Achieve net profit growth for business
- Achieve the delivery of exceptional customer experience against the Balanced Scorecard standards
- Manage the migration of accounts from transactional to Self Service
- Manage the growth of active customer Account Base to increase client base
- Maximise cross sell opportunities and strengthen client relationships
- Track, control and influence sales activities with the specific aim to achieve previously determined sales targets.
- Provision of an efficient administration service through careful and timeous planning, reporting and updating of all related information
- Comply with governance in terms of legislative and audit requirements
- Check all transactions on a daily basis to ensure new business applications are closed within appropriate timelines.
- Track, control and influence sales and service activities with the specific aim to increase sales and service efficiencies
- Compliance with procedures and processes contained in the Golden Rules.
- Provide accurate and reliable sales and service statistics.
- Manage own development to increase own competencies
End Date: May 29, 2025
go to method of application »
Job Description
- To provide the customers with excellent service by ensuring that they are served promptly, understanding their needs and processing their requests
- Achieve net profit growth for business
- Achieve the delivery of exceptional customer experience against the Balanced Scorecard standards
- Manage the migration of accounts from transactional to Self Service
- Manage the growth of active customer Account Base to increase client base
- Maximise cross sell opportunities and strengthen client relationships
- Track, control and influence sales activities with the specific aim to achieve previously determined sales targets.
- Provision of an efficient administration service through careful and timeous planning, reporting and updating of all related information
- Comply with governance in terms of legislative and audit requirements
- Check all transactions on a daily basis to ensure new business applications are closed within appropriate timelines.
- Track, control and influence sales and service activities with the specific aim to increase sales and service efficiencies
- Compliance with procedures and processes contained in the Golden Rules.
- Provide accurate and reliable sales and service statistics.
- Manage own development to increase own competencies
End Date: May 29, 2025
go to method of application »
Job Description
Provide a positive customer experience by being helpful and sensitive to customer transactional needs and expectations as well as educating customers to the correct channel (eChannels and Self Service) whilst adhering to policy and process.
- Leads identified converted into successful sales.
- Ensure activities support cost containment and reduction.
- Educate customers on correct eChannels to maximize channel optimisation opportunities identified aligned to customer needs.
- Connect with our customers by living up to our brand promise of “how can we help you?” at all times.
- Converse with our customers in a way that they fully understand and provide helpful solutions and products based on their needs.
- Always conduct themselves in an ethical manner.
- Adhere to the TCF (Treating Customer fairly) principles in all that you do.
- Optimize every customer interaction to migrate cash transactions and/or convert customer to eChannels and encourage use of digital and self-service channels.
- Resolve all customer queries efficiently, and within agreed timelines.
- Achievement of Sales and Service client retention by managing the breakdown activities as listed in the Sales and Service Operation requirements.
- Always comply with procedures and processes contained in the relevant business guidelines and understand the risk associated with decisions.
- Fulfilling transactions above the benchmark set and providing an exceptional customer experience.
- Demonstrates behaviour in support of the organizational values.
- Takes accountability for own performance, personal and career development.
- Maintain an ability to adapt to ever changing business and customer needs.
- Contribute to the overall effectiveness and success of the team.
- Improve knowledge and competencies by completing role specific training as per eCareers.
Closing Date:
go to method of application »
Job Description
- To provide the customers with excellent service by ensuring that they are served promptly, understanding their needs and processing their requests
- Achieve net profit growth for business
- Achieve the delivery of exceptional customer experience against the Balanced Scorecard standards
- Manage the migration of accounts from transactional to Self Service
- Manage the growth of active customer Account Base to increase client base
- Maximise cross sell opportunities and strengthen client relationships
- Track, control and influence sales activities with the specific aim to achieve previously determined sales targets.
- Provision of an efficient administration service through careful and timeous planning, reporting and updating of all related information
- Comply with governance in terms of legislative and audit requirements
- Check all transactions on a daily basis to ensure new business applications are closed within appropriate timelines.
- Track, control and influence sales and service activities with the specific aim to increase sales and service efficiencies
- Compliance with procedures and processes contained in the Golden Rules.
- Provide accurate and reliable sales and service statistics.
- Manage own development to increase own competencies
End Date: May 29, 2025
go to method of application »
Job Description
- To provide the customers with excellent service by ensuring that they are served promptly, understanding their needs and processing their requests
- Achieve net profit growth for business
- Achieve the delivery of exceptional customer experience against the Balanced Scorecard standards
- Manage the migration of accounts from transactional to Self Service
- Manage the growth of active customer Account Base to increase client base
- Maximise cross sell opportunities and strengthen client relationships
- Track, control and influence sales activities with the specific aim to achieve previously determined sales targets.
- Provision of an efficient administration service through careful and timeous planning, reporting and updating of all related information
- Comply with governance in terms of legislative and audit requirements
- Check all transactions on a daily basis to ensure new business applications are closed within appropriate timelines.
- Track, control and influence sales and service activities with the specific aim to increase sales and service efficiencies
- Compliance with procedures and processes contained in the Golden Rules.
- Provide accurate and reliable sales and service statistics.
- Manage own development to increase own competencies
End Date: May 29, 2025
go to method of application »
Job Description
- To provide the customers with excellent service by ensuring that they are served promptly, understanding their needs and processing their requests
- Achieve net profit growth for business
- Achieve the delivery of exceptional customer experience against the Balanced Scorecard standards
- Manage the migration of accounts from transactional to Self Service
- Manage the growth of active customer Account Base to increase client base
- Maximise cross sell opportunities and strengthen client relationships
- Track, control and influence sales activities with the specific aim to achieve previously determined sales targets.
- Provision of an efficient administration service through careful and timeous planning, reporting and updating of all related information
- Comply with governance in terms of legislative and audit requirements
- Check all transactions on a daily basis to ensure new business applications are closed within appropriate timelines.
- Track, control and influence sales and service activities with the specific aim to increase sales and service efficiencies
- Compliance with procedures and processes contained in the Golden Rules.
- Provide accurate and reliable sales and service statistics.
- Manage own development to increase own competencies
End Date: May 29, 2025
go to method of application »
Job Description
- To provide the customers with excellent service by ensuring that they are served promptly, understanding their needs and processing their requests
- Achieve net profit growth for business
- Achieve the delivery of exceptional customer experience against the Balanced Scorecard standards
- Manage the migration of accounts from transactional to Self Service
- Manage the growth of active customer Account Base to increase client base
- Maximise cross sell opportunities and strengthen client relationships
- Track, control and influence sales activities with the specific aim to achieve previously determined sales targets.
- Provision of an efficient administration service through careful and timeous planning, reporting and updating of all related information
- Comply with governance in terms of legislative and audit requirements
- Check all transactions on a daily basis to ensure new business applications are closed within appropriate timelines.
- Track, control and influence sales and service activities with the specific aim to increase sales and service efficiencies
- Compliance with procedures and processes contained in the Golden Rules.
- Provide accurate and reliable sales and service statistics.
- Manage own development to increase own competencies
End Date: May 29, 2025
go to method of application »
Role Purpose:
- Formulates and implements investment plans requiring exposure to different investment products in all areas.
Are you someone who can:
- Identify and proactively manage any client risk related matters.
- Build strong working relationships with key stakeholders (Account Executive, Product Specialist, Audit, Operations, Credit and Operational Risk Management)
- Perform regular independent portfolio assessments and classify clients into various risk/strategy buckets.
- Remediation of client risk related matters ensuring that the number of Watchlist/Legal/Recovery Clients and provisions/losses are kept at an absolute minimum.
- Ensure transparency in the reporting and escalation of risk related matters to key stakeholders and senior leadership.
- Monitoring of excess reporting and resolutions
- Collate risk information from various areas (Front Line, Operations, Audit) and form an independent client view/strategy.
- Ensure that the Product House is aware, active and accountable in the resolution of risk related matters especially with regard to the Regions.
- Ensure all key covenants/conditions of the facility are being adhered to
- Ensure that all internal policies/risk frameworks are being adhered to
- Build confidence in the business and the ability to manage collateral.
- Recommend changes to or new policies/processes/controls based on identified risk patterns/issues.
- Drawing of necessary reports: complaints received/Compliment received/reporting on audit watch list clients and action plan/ expiry of facilities/ excesses /clean-up of portfolio.
- Settlement letters/ Termination of facility/ Reduction in facilities - journal entries are processed-process adherence.
- Manage a team of Client Administrators
You will be an ideal candidate if you:
- Have a Bachelor’s Degree
- Have a minimum of 3 years’ Debtor Finance Experience
- Have experience in Debtor Finance Product Knowledge, and Collateral Management Systems specific to Debtor Finance
- Have 1 to 2 years at junior management level as you will be responsible for providing training and development of the team.
You will have access to:
- An innovative work environment
- Opportunities for personal and professional growth
- Collaborative teams
We can be a match if you are:
- Analytical
- Attention to detail.
- Strong communicator
Closing Date:
go to method of application »
Are you someone who can:
- Build collaborative relationships across teams and functional lines to enhance work delivery, innovation, and compliance culture.
- Deliver customer experience excellence in line with organisational values, service standards, and FAIS Treating Customers Fairly (TCF) principles.
- Provide accurate and reliable business intelligence to support informed decision-making, with a focus on regulatory compliance trends and risk indicators.
- Accumulate and analyse information to support compliance reporting, decision-making, and identification of improvement opportunities.
- Implement, monitor, and control business processes in accordance with quality standards, internal policies, and FAIS compliance and governance requirements.
- Ensure alignment of end-to-end processes with the customer journey and FAIS regulatory expectations.
- Research and consult on opportunities to enhance compliance through technology and platform enablement.
- Review and streamline processes to improve efficiency while ensuring adherence to FAIS and related legislation.
- Monitor customer feedback and regulatory developments to align processes with compliance and service excellence.
- Interpret and apply FAIS legislation, General Code of Conduct, and Fit and Proper Requirements using a risk-based approach.
- Identify and risk-rate applicable laws and regulations for responsible business units.
- Develop and maintain a Compliance Legislative Universe and Compliance Risk Management Plans (CRMPs) for FAIS-related legislation.
- Compile and execute compliance monitoring plans, including methodology and frequency, in line with FSCA expectations.
- Draft monitoring reports and escalate compliance risks and incidents in accordance with FAIS incident reporting protocols.
- Provide practical guidance to business units on the implementation of FAIS and related regulatory requirements.
- Advise management on systems, policies, and controls to ensure compliance with the FAIS Act and subordinate legislation.
- Communicate legislative developments and FSCA notices to relevant stakeholders.
- Promote a culture of compliance through training, awareness campaigns, and participation in FAIS-aligned initiatives.
- Deliver training on FAIS regulatory requirements, including the General Code of Conduct, Fit and Proper Requirements, and TCF principles.
- Ensure compliance with statutory, legislative, and governance requirements, including the FAIS Act, FSR Act, and AML/KYC regulations.
- Maintain up-to-date knowledge of FAIS amendments, FSCA notices, and industry best practices.
- Ensure systems and procedures reflect FAIS compliance requirements and are updated in response to audit findings and regulatory changes.
- Understand and apply risk management principles in the context of FAIS compliance.
- Contribute to the development of governance and compliance procedures, identifying and mitigating FAIS-related risks.
- Participate in specialist risk and compliance forums, including those focused on FAIS and financial services regulation.
- Support the development of tactical strategies aligned with the organisation’s FAIS compliance objectives.
- Lead or support the implementation of the organisation’s FAIS compliance programme.
- Maintain awareness of the FAIS regulatory framework, including the General Code of Conduct and Fit and Proper Requirements.
- Conduct ongoing consultation with operational managers to ensure compliance with FAIS and related legislation.
- Perform statistical sampling and monitoring of FAIS-related activities and documentation.
- May supervise teams responsible for AML/KYC, FATCA, and AEOI compliance, ensuring alignment with FAIS obligations.
- Analyse KYC documentation and liaise with clients and intermediaries to ensure compliance with FAIS and FICA.
- Lead the AML/KYC team, ensuring operational efficiency and regulatory compliance.
- Foster collaborative relationships across compliance and business units.
- Encourage teamwork, inclusivity, and a shared commitment to FAIS compliance.
- Participate in development activities to enhance FAIS knowledge and professional growth.
You will be an ideal candidate if you:
- Minimum bachelor’s degree in compliance, risk management, legal or similar
- Experience with dealing with multi-level stakeholders across a large group
- Have 5 to 7 years’ experience in compliance with FAIS specialisation
You will have access to:
- Opportunities to network and collaborate
- A challenging working environment
- Opportunities to innovate
We can be a match if you are:
- Adaptable and curious
- Have a proven successful track record.
- Thrive in a collaborative environment
Closing Date:
Method of Application
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