Job Vacancies at Absa Group Limited (Absa)

Job Summary

• To conduct and ensure quality credit management principles within a credit officials mandate level, based on the Groups Credit Risk Model for Everyday Banking. To manage existing customer accounts by ensuring the normalization, rehabilitation, and education during the pre-delinquency stage for Cheque Overdrafts, Personal Loans, Credit Cards, Study Loans, Revolving Loans, Dormant, Islamic and Non-Resident accounts including Pay or No Pay decisions on Cheque facilities. This end-to-end process requires collaboration with various Business Units and stakeholders. The role has a strong Credit and Risk Management focus specializing in the existing account management process.

Job Description

Key Accountabilities:

Quality & Risk Management

• Demonstrate good knowledge of all Retail products.
• Manage and maintain the existing assigned product workflow by being proactive via timeous actions; needs analysis, quality manual pay/no pay decision making, limit decreases / once off repayments, arrangements, reductions on facilities and quality educational discussions per product including the alignment of fees, charges, and debit order etc. to ensure optimal account management whilst mitigating the risk.
• The core functions include performing high-quality overdraft reviews, to rehabilitate high-risk customers ensuring adaptability and flexibility in line with Absa’s risk appetite.
• Leverage a portfolio view of the customer through collaboration with other departments taking all components into account when making decisions.
• Where appropriate, interact with various business units and branch networks to help make informed decisions.
• Manage and maintain the existing assigned workflow by utilizing various systems /tools and strategies provided, to identify and mitigate the risk in the portfolio

Compliance and Process

• Be effective and efficient throughout the account management process by adhering to the developed policy and processes, adequately assessing risk whilst adhering to agreed turnaround times.
• Adhere to governance, regulatory and legislative requirements during execution of duties.
• Adhere to the ABSA general and Credit specific policies, processes, manuals, circulars, and call scripts (where applicable) to minimize risk to the Bank.
• Understand and contribute to the department’s reputation, credibility, and viability to ensure that all behavior is aligned to the Absa Values.
• Utilize feedback from performance discussions and Quality checks to demonstrate continuous improvement in quality and efficiency.
• Feedback and process issues to management, including where issues are found with the workflow tools or prioritization of accounts

Customer and Stakeholder Management

• Provide our internal customers (i.e., other internal business units) with excellent support and service
• Comply with the sunset rule when dealing with customers in Existing Customer Management Portfolio’s
• Balance the needs of our customers with the Bank's risk appetite to achieve the best possible outcome for both the client and the Bank.
• Effectively manage and maintain customer relationships in line with business quality standards.
• Acknowledge and resolve complaints at first point of contact wherever possible and report events to management.
• Demonstrate the willingness and ability to perform on the best level to ensure personal alignment to ABSA's values and vision of a Higher Performing Organization.

Teamwork

• Encourage all team members to perform in a similar manner, to meet all objectives and deliver outstanding performance on an ongoing basis.
• Attendance to team meetings and contribute fully, including suggesting ways to improve customer service and meet individual and team targets.
• Contribute to an environment of mutual support by sharing knowledge with other team members.
• Be part of the solution by identifying challenges and working together with the Team Manager to put appropriate actions in place.
• Escalate concerns or challenges in a constructive and positive manner.
• Be open to cross-skilling to enhance prospects

Personal Development

• Display leadership by taking ownership in the team and live the Absa Values (walk the talk).
• Coach and mentor peers through on the job training to ensure a transfer on knowledge and consistency in the ways of working.
• Comply with Human Resource policies and governance by means of Employee Self-Service.
• Ensure that an agreed personal development (PD) plan is in place to enhance own performance and development.
• Complete all compulsory training and attestations.
• Create a climate conducive for sustainable employee engagement, i.e. participating in the Employee opinion survey

Education:

• NQF Level 6 (Risk/ Credit Management)/ 3-year National Diploma/Higher Certificate
• 1 to 2 years credit management experience or similar
• At least three years' relevant banking experience

Key Performance Areas:

• Deciding and initiating action
• Analyzing
• Persuading and influencing
• Planning and organizing
• Following instructions and procedures
• Coping with pressure and setbacks
• Adapting and responding to change

Knowledge & Skills:

• Credit Risk Assessment / Management in a financial environment
• Intermediate computer skills
• Customer Orientation Level
• Verbal and written communication
• Networking ability
• The ability to adapt to continuous changes in the working environment
• Negotiation skills
• Assertiveness

Education

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

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Job Summary

• There is a vacancy in the Non Linear Derivatives PC team for the role of Product Controller. The overall responsibility of this role includes, but is not limited to, daily P&L production and balance sheet substantiation, reconciliations, and involvement in broader, floor wide Product Control initiatives. The desk covers a range of products including Equity Options, Foreign Exchange Options, and Fixed income Options.

Job Description

Production related responsibilities:

• Accounting – posting to the General Ledger accurate and timely information, in accordance with IFRS
• Substantiation of the trading balance sheet – ensuring the full balance sheet can be substantiated
• Regulatory reporting - ensuring accurate and timely data submissions to regulators
• Data ownership – Ensuring the quality and accuracy of the data going downstream to other infrastructure areas
• Control environment – Overseeing and maintaining the control environment in which the business operates

P&L review – understanding and providing commentary on the P&L

In the process of production focus is needed on:

• Reporting – Ensuring reporting is accurate and timely
• Control – Ensure a robust control environment and report any deficiencies or issues to managers/relevant stakeholders
• Understanding and problem solving – Ensure solid understanding of the production requirements and assist with solutioning for issues that arise

Key Accountabilities:

• P&L production and BS substantiation
• Interaction with key stakeholders
• Process Owner (accountability)
• Strategic and/or Project and /or Change related Initiatives

Education and Qualification

• B degree/similar qualification in a financial/related discipline with 5 years relevant experience or CA(SA) with 2 years PQE experience
• Investment banking or Product Control experience
• Product specific knowledge
• Experience in creating and maintaining an effective control environment
• Experience with Projects and / or Strategic Initiatives and / or Change Management preferred

Education

• Bachelor`s Degrees and Advanced Diplomas: Financial Sciences (Required)

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Job Summary

• Participate in learning programme/s in order to maximise individual and organisational development benefit/s through the execution of predefined training objectives.

Job Description

• Workplace experiences: Attend and participate in all workplace experiences against agreed development objectives | Learning: Attend and participate in all training and development interventions against agreed development objectives | Ad Hoc duties: Provide support to customers and team as required to ensure team performance on an ongoing basis | Administration: Effectively fulfil all required administrative duties, including tracking and reporting | : | : | : | :

Education

• GET Certificate: Business, Commerce and Management Studies (Required)

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Job Summary

• Build high-performing, scalable, enterprise-grade Platform services & build capability in others to do the same. This includes but is not limited to applying critical thinking, design thinking and problem solving skills in an agile team environment to solve complex technical problems with high quality solutions & leading all phases of the development lifecycle to deliver against business requirements at an optimal cost to serve.

Job Description

Platform Design, Deployment & Optimisation

• Leads development test and platform management, translating customer, business and technical requirements into components of a service
• Identify critical design areas, parameters and opportunity areas early in the development process and those that need improvement downstream
• Stay ahead of the curve on leading practice platform technologies and Incorporate research into solution design and deployment processes
• Develop lasting, innovative, simple platforms (including architecture when appropriate) to satisfy business and customer requirements and align with the long-term plan for the platform and broader technology objectives of: Self-service, testability, reusability, stability & resilience
• Apply deep technical expertise, design thinking & problem solving skills to solve complex technical problems and enable the teams to deliver high quality solutions
• Identify & Select the appropriate internal or external technologies to deliver the platform service
• Applies excellent judgement and identifies and continuously improves on development practices
• Develop solution design blueprints and validation collateral and facilitate alignment on solution blueprint and designs across the value chain
• Lead the planning and design of the platform delivery system and define associated tools, hardware, processes, role assignments, dependencies, and documentation, resulting in a complete platform that meets KPIs
• Lead the development and deployment lifecycle for ‘platform / platform components as a service’
• Design & implement test automation and ensure reusability across the teams
• Lead efforts to validate architectural, product or service solutions and innovations
• Continually develop initiatives to reduce and optimize operational costs & increase strategic & operational efficiency through solution designs
• Identify, develop & maintain platform standards and best practices, and drive adoption across multiple service teams
• Define and implement SLA, OLA & quality metrics, best practices, and patterns to be applied across the platform
• Strategically & operationally monitor Platform services to standard and proactively identify and mitigate risk
• Use production performance monitoring and customer data to make / inform technical design and implementation decisions
• Take full accountability for end-to-end platform quality, completeness and resulting user experience for the life of the product / service
• Use & test the platform regularly to deeply understand it and discover & implement ways to improve it
• Resolve issues throughout the life of the platform, including those outside of the immediate area of responsibility as needed; lead discussions with peers to take action to ensure the sustainable success of the platform
• Provide leadership within the business by developing innovative methods for measuring the customer experience, and use this data to identify and drive platform improvements
• Leverage systems & processes to measure, monitor and manage the performance of platforms ensuring ongoing optimization & cost to value for our businesses (think bank wide)
• Translate performance data into insights for technical service & solution improvement and enhancement (across technical teams)
• Align teams to service Improvement & innovation plan requirements and influence effective implementation
• Lead the design of process or technology solutions that identify and resolve platform, system, deployment, and environmental issues.
• Identify new and emerging practices for managing problems within the area and lead the adoption of new practices, across groups or disciplines with the aim of improving analytical capabilities
• Lead the resolution of service issues by analyzing and prioritizing data from stakeholders and directing efforts or applying deep subject matter expertise to restore service with minimal disruption to the customer and business
• Positively contribute to the design & evolution of Group Architecture, Infrastructure & associated technical standards for the organization where it makes sense to do so

Accountability: Financial & Cost Optimization, Risk & Governance

• Take full accountability for delivering an optimal Platform Engineering cost model
• Analyse operational cost data, identify cost-savings & efficiencies and influence the business to adopt these efficiencies across multiple service teams
• Understand & contribute to the delivery of an optimal cost : serve of Platforms as a service
• Create business cases & solution specifications for various governance processes (e.g. CTO approvals)
• Participate in incident management & DR activity – applying critical thinking, problem solving & technical expertise to get to the bottom of major incidents
• Hold accountability for all risk associated with platform engineering decision making
• Apply & maintain all Group risk (e.g. Architecture, development etc.), governance, compliance & regulatory standards and frameworks
• Update & or develop & maintain all application documentation as per the organization technical standards and risk / governance frameworks

Accountability: People

• Cascade platform direction across teams and ensure team alignment on platform direction, performance objectives, plans and prioritization
• Build / contribute to a high performance team environment & culture through self-directed teams by driving performance management & measurement that is aligned with agile working practices (including daily, weekly, etc. sprint routines, regular & honest feedback etc.)
• Assume one stop shop accountability for the right people in the right teams to deliver on our platform strategy (always!)
• Leverage coaching techniques in all squad related activity to drive a higher quality design and deployment of technical products and services
• Seek out opportunities for collaboration across groups, ensure that cross-team commitments are set, and achieves scale in team work efforts by enabling the work of others
• Proactively lead the implementation of agile practices, remove barriers to success and ensure seamless delivery in a continuously changing work environment
• Identify and develop needed skills (self and others) in a way that is best-suited to the service design and that maximizes delivery efficiency
• Coach & mentor other engineers & support engineering teams on technical solutions and problem resolution
• Conduct peer reviews, testing, problem solving within and across the broader team
• Cascade platform performance feedback and ensure capability development across teams to enable efficient & effective platform service delivery
• Support the people change teams in the design of adoption processes (Customer, Employee & 3rd Party Adoption)

Education

• Bachelor's Degree: Information Technology

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Job Summary

• Manage the people-side of change on a low to medium complex project, by identifying and addressing the human risks involved in implementing the change, enabling impacted stakeholders to ensure adoption, embedment and proficient utilisation of the change/s.

Job Description

• Establish people change context:
• Advocate & create awareness of the Accountable Executive (AE) enablement online Programme to ensure visible and active sponsorship
• Contribute to the design of Case for Change (C4C)
• Gather stakeholder information to ensure stakeholder ecosystem mapped and identified
• Determine anticipated people change impacts to ensure people change risks are addressed
• Develop people change plans:
• Develop people change plans to ensure change adoption and embedment
• Ensure people change plans and approach align with project plan and approach
• Develop Accountable Executive (AE) Enablement Plan to ensure visible and active sponsorship
• Provide the People Change Management (PCM) Dashboard & Tracking approach to contribute to project delivery progress reporting
• Implement change management plans
• Implement people change plans to ensure change adoption and embedment
• Support AE by providing guidelines to ensure visible and active sponsorship
• Track and report on PCM Plan progress to ensure alignment with the project plan
• Implement change reinforcement & embedment close-out actions
• Perform a people change compliance audit to highlight PCM gaps in order to mitigate embedment risks
• Perform impacted stakeholder satisfaction assessments to determine future PCM improvements
• Perform a lessons learned retrospective for PCM organisational learning

Qualifications:

• B Degree & Post graduate qualification in field of Human Sciences or related field, Certified PCM accreditation

Experience:

• 1 – 5 years in people change management domain in a project environment

Education

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

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Job Summary

• Deliver day-to-day knowledge work, in order to execute predefined objectives as per agreed standard operating procedures (SOPs).

Job Description

• Sales Target : Proactively make self-initiated contact with customers in order to deliver against the required sales targets | Collaboration : Constantly seek to improve ways of working by challenging the status quo and supporting an empowering climate within the team, sharing knowledge, experience, best practice and providing constructive feedback as required. | Compliance and Risk Management: Fulfil all activities in adherence to relevant control and compliance requirements, and quality standards | Customer Experience: To provide service excellence and achieve customer satisfaction 

Education

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

go to method of application »

Job Summary

• To grow the Absa customer base through acquisition and increased customer profitability of the identified portfolio. Gain new customers and increase port folios of current customers through proactive attraction, cross selling, retention and contributing towards the achievement of the branch’s sales targets.

Job Description

• Financial Goals Business Risk Customer Satisfaction Colleague Support

Education

• Further Education and Training Certificate (FETC)

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Job Summary

• To build and maintain professional business relationships across a portfolio of Private Wealth clients, by achieving financial targets, proactively acquiring new clients, and improving customer experience within the scope of the Bank’s regulatory and compliance frameworks.

Job Description

• New Business Origination Manage and grow existing client relationships Involvement in credit related tasks Involvement in Assets under Management and Investments Stakeholder Management Query resolution Risk Management

Education

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

go to method of application »

Job Summary

• To conduct and ensure quality credit management principles within a credit officials mandate level, based on the Groups Credit Risk Model for Everyday Banking. To manage existing customer accounts by ensuring the normalization, rehabilitation, and education during the pre-delinquency stage for Cheque Overdrafts, Personal Loans, Credit Cards, Study Loans, Revolving Loans, Dormant, Islamic and Non-Resident accounts including Pay or No Pay decisions on Cheque facilities. This end-to-end process requires collaboration with various Business Units and stakeholders. The role has a strong Credit and Risk Management focus specializing in the existing account management process.

Job Description

Key Accountabilities:

Quality & Risk Management

• Demonstrate good knowledge of all Retail products.
• Manage and maintain the existing assigned product workflow by being proactive via timeous actions; needs analysis, quality manual pay/no pay decision making, limit decreases / once off repayments, arrangements, reductions on facilities and quality educational discussions per product including the alignment of fees, charges, and debit order etc. to ensure optimal account management whilst mitigating the risk.
• The core functions include performing high-quality overdraft reviews, to rehabilitate high-risk customers ensuring adaptability and flexibility in line with Absa’s risk appetite.
• Leverage a portfolio view of the customer through collaboration with other departments taking all components into account when making decisions.
• Where appropriate, interact with various business units and branch networks to help make informed decisions.
• Manage and maintain the existing assigned workflow by utilizing various systems /tools and strategies provided, to identify and mitigate the risk in the portfolio

Compliance and Process

• Be effective and efficient throughout the account management process by adhering to the developed policy and processes, adequately assessing risk whilst adhering to agreed turnaround times.
• Adhere to governance, regulatory and legislative requirements during execution of duties.
• Adhere to the ABSA general and Credit specific policies, processes, manuals, circulars, and call scripts (where applicable) to minimize risk to the Bank.
• Understand and contribute to the department’s reputation, credibility, and viability to ensure that all behavior is aligned to the Absa Values.
• Utilize feedback from performance discussions and Quality checks to demonstrate continuous improvement in quality and efficiency.
• Feedback and process issues to management, including where issues are found with the workflow tools or prioritization of accounts

Customer and Stakeholder Management

• Provide our internal customers (i.e., other internal business units) with excellent support and service
• Comply with the sunset rule when dealing with customers in Existing Customer Management Portfolio’s
• Balance the needs of our customers with the Bank's risk appetite to achieve the best possible outcome for both the client and the Bank.
• Effectively manage and maintain customer relationships in line with business quality standards.
• Acknowledge and resolve complaints at first point of contact wherever possible and report events to management.
• Demonstrate the willingness and ability to perform on the best level to ensure personal alignment to ABSA's values and vision of a Higher Performing Organization.

Teamwork

• Encourage all team members to perform in a similar manner, to meet all objectives and deliver outstanding performance on an ongoing basis.
• Attendance to team meetings and contribute fully, including suggesting ways to improve customer service and meet individual and team targets.
• Contribute to an environment of mutual support by sharing knowledge with other team members.
• Be part of the solution by identifying challenges and working together with the Team Manager to put appropriate actions in place.
• Escalate concerns or challenges in a constructive and positive manner.
• Be open to cross-skilling to enhance prospects

Personal Development

• Display leadership by taking ownership in the team and live the Absa Values (walk the talk).
• Coach and mentor peers through on the job training to ensure a transfer on knowledge and consistency in the ways of working.
• Comply with Human Resource policies and governance by means of Employee Self-Service.
• Ensure that an agreed personal development (PD) plan is in place to enhance own performance and development.
• Complete all compulsory training and attestations.
• Create a climate conducive for sustainable employee engagement, i.e. participating in the Employee opinion survey

Education:

• NQF Level 6 (Risk/ Credit Management)/ 3-year National Diploma/Higher Certificate
• 1 to 2 years credit management experience or similar
• At least three years' relevant banking experience

Key Performance Areas:

• Deciding and initiating action
• Analyzing
• Persuading and influencing
• Planning and organizing
• Following instructions and procedures
• Coping with pressure and setbacks
• Adapting and responding to change

Knowledge & Skills:

• Credit Risk Assessment / Management in a financial environment
• Intermediate computer skills
• Customer Orientation Level
• Verbal and written communication
• Networking ability
• The ability to adapt to continuous changes in the working environment
• Negotiation skills
• Assertiveness

Education

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