Jobs at Absa Group Limited (Absa)

Job Summary

• Drive the design and delivery of complex fit for purpose, business strategy-aligned, high impact, cross domain technology solution blueprints & associated solutions & build architectural capability in Dev teams across an estate.

Job Description

Architecture

• Leverage a solid & deep understanding of the organization strategy to identify, design & deliver relevant, scalable, testable, re-usable technology solutions
• Work in collaboration with delivery teams to independently analyse customer requirements & varying business capabilities & leverage analysis to identify & accurately spec / frame ‘the complex business problems we are aiming to solve’ with each solution design or solution evolution
• Through the above processes, leverage emotional, social & business / commercial quotient to understand consumers and the broader range of stakeholders, their opinions & perspectives and reconcile these within the solution designs (negotiation skills and dealing with complex and divergent stakeholder opinions are a must)
• Leverage expertise in analytical & creative problem solving to synthesise a solution design (build a solution from its components) beyond the analysis of the problem
• Lead design thinking processes to successfully deliver solution blueprints & associated roadmaps
• Create end to end solution blueprints & ensure these can be implemented across all phases of the initiative life-cycle (ideation through to product launch & commercialization)
• Design & or contribute to the design & implementation of detailed feasibilities & business cases
• Leverage a strong engineering background to make the right choices in solution design – this knowledge includes but is not limited to: domain driven design, loosely coupled integration, microservices and other modern software design practices
• The above extends to identifying the best fit tools to be used for a particular solution, understanding those that would not be a good choice and leveraging researching skills to pivot towards something better
• Assume ‘one stop’ shop accountability for solution blueprint design & delivery decisions within an organization based on the above
• Work with project / program management teams to design solution roadmaps aligned to the strategic requirements of an organization and through which the solution can be implemented across all phases of the initiative life-cycle (ideation through to product launch and commercialization)
• Work embedded, as part of a delivery team, to ensure the successful design & implementation of solution blueprints
• Ensure that the detail of the solution (across all architecture domains) is accurate to the implementation of the initiative, true to the bank’s architectural principles/preferences, implementable by the different teams involved in the solution
• Work as part of embedded delivery teams to conduct solution reviews, code reviews, testing and other disciplines associated with solution design & delivery
• Attend various Group & Business specific architectural design forums and present solution designs and detailed business cases for approval
• Leverage synthesis & creative problem skills to identify risk (impending danger & challenges) and work with a cross functional group of stakeholders across the value chain for support & direction
• Conduct solution reviews against defined customer metrics and ensure the ongoing achievement of business results through solution implementation
• Ensure a solid understanding of emerging & evolving architectural principles and hold one stop shop accountability for the evolution of solutions in alignment with these principles (where it makes sense to do so)
• Build architectural capability across delivery teams in a business to ensure ongoing evolution of skills in solution delivery
• Contribute to the architecture body of knowledge
• Contribute to the design & evolution of architectural principles and preferences

People

• Participate in peer reviews (code, solution, testing etc.) and transfer knowledge and capability across delivery teams for improved solutioning & evolving architectural practices
• Set & Cascade solution direction across technology delivery teams
• Build & evolve the architectural capability of Delivery teams across the business – through active coaching & information / knowledge sharing
• As an SME, support the proactive attraction, recruitment, development, & retention of strong technology teams across an estate
• Leverage and embed agile practices in delivery teams and work to build strong self-directed, high performance teams through agile working practices (including daily, weekly, etc. sprint routines, regular & honest feedback etc.)

Financial & Vendor Management, Risk & Governance

• Carry the ‘one stop shop’ accountability for all risk associated with solution design (from ideation to deployment)
• Apply the organization risk & governance frameworks
• Ensure solution design alignment to Group guidelines & ensure solutions are sustainable for the enterprise
• Proactively involve / engage chapter & guild leads in solution decision making, applying an enterprise wide lens to product & service development
• Ensure solution design alignment to regulatory requirements and continuously update knowledge on regulatory requirements for the successful design of new & evolution of existing solutions
• Deliver on time & on budget (always)

Education

• Bachelor's Degree: Information Technology

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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 Fraud Solutions.

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.
• Identify, assess, and manage risks associated with Fraud Solutions operations and regulatory obligations.
• Lead internal and external audit preparations and implement recommendations.
• Conduct regular reviews and testing of controls to identify weaknesses or gaps.
• Prepare and present regular governance and risk reports to senior management and relevant stakeholders.
• Maintain documentation related to policies, incidents, and audits.
• 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.

Qualifications

• Bachelor's Degree: Business, Commerce , Risk Management or related fields (NQF 7 and above) 

Experience 

• 3- 5 years working in a Fraud and Risk Environment
• Experience in the financial industry will be advantageous

Education

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

go to method of application »

Job Summary

Overall job purpose

The External Sales Consultant is responsible for actively pursuing sales growth (volume and value) and service delivery competitiveness by: 

• Owning & Deliver on all individual performance targets for the allocated portfolio of external sales activities (Full Accountability) 
• Support collaborative sales activities between relationship banking, business bank and corporate bank
• Uphold sales disciplines required to support sustainable relationships in relevance to scheme Management
• Plan and conduct education on Absa’s value proposition to customers in support of sales, and migration targets within the area 
• Identifying opportunities and represent Absa on external sales engagements within assigned areas e.g. workplace banking schemes, public forums, major events, festivals etc.
•  Improving overall Absa performance through the identification of sales, cross sell opportunities and active engagement and partnership with colleagues (branches, across BU, region etc) to deliver against these
• Actively building networks and relationships within the assigned area that supports lead generation and Absa visibility across the region

Job Description

Key accountabilities

Planning and Growth

• Accountable for achievement of sales performance objectives in terms of sales target achievement for Inclusive Banking, Entry Level and Bulk Acquisition Sales, in the B2C environment.
• Deliver sales and service delivery targets within the assigned areas of responsibility
• Collaborate on sales opportunity leads across business disciplines (RB, CIB, Physical Channels)
• Take Accountability for end-to-end fulfilment of sales execution within prescribed sales standards, and actively drive scheme penetration for EVP Schemes to deliver on sales and service targets for the region
• Actively contribute to Regional Sales strategy and plans
• In conjunction with ES RM/TL, proactively devise weekly plans and activities to drive sales growth
• Proactively identify cross sell opportunities partnering with colleagues to deliver these effectively in the assigned area
• Actively monitor, and take accountability, for own sales and service performance across the region and proactively identify opportunities to improve sales and service delivery or enlist coaching and support where necessary to do so
• Establish networks within the defined area to enlist opportunities for Absa presence at key events and forums in line with the regional or area plans
• Identify and prospect future potential clients turning leads into real business opportunities
• Leads Management – proactive utilisation and conversion of assigned leads
• Provide relevant and insightful feedback to product and performance teams on initiative mechanics and client feedback to drive enhancements in sales and service
• Proactively engage existing clients on new products and services and migration strategies in alignment with One Absa business objectives
• Actively mine EVP Schemes to deliver on sales and service targets for the region
• Effective sales execution planning (activities, time management, resources, travel etc.)
• Ensure you act in line with the External Sales Disciplines and New Ways of Work
• Higher dependency on New to Bank (NTB) and New to Transact (NTT) Acquisition
• Identify and Execute Campaign Management to execute on business growth
• Daily sales planning to align to attainment of benchmarked core sale efficiencies
• Strategic Time Management: apply and reflect on time management plan

Customer and Stakeholder Management

• Proactive understanding and assessment of customer segment to support sales and activity planning and sales
• Proactively engage customers on needs analysis, as well as products and services and then enable the delivery of an end-to-end client solution through a thorough understanding of Absa products and customer needs
• Proactively resolve client queries, concerns and complaints, with focus on first point of contact resolution
• Ensure a holistic service and customer experience, as a standard, for all clients aligned to the overall external sales team process and methodology.
• Positively contribute to customer experience score levels to attain >92%
• Customer Relationship Management - Participate in client engagement routines (planned visits) for improved sales and service delivery
• Act as a Brand Ambassador in all client and business activities

Colleague

• Actively contribute to ES Team and Region in all activities
• Monitor Individual Sales Performance and support peers towards attainment of Team performance 
• Identify process efficiencies and share best practices in the External Sales team 
• Proactively network & research to stay current on key areas of expertise and to support business/sales growth initiatives
• Live the Absa Values and support colleague engagement through positive and collaborative team behaviour

Risk and Regulatory Management

• Ensure all policies and procedural, regulatory and compliance requirements are fully adhered to, at all times
• Ensure the effective use and management of devices and resources availed to execute role requirements. (E2E Mobility device & accessories, marketing collateral etc. Including systems & software updates.)
• Ensure appropriate product and service solutions are provided to customers through quality consultations e.g no mis-selling
• Apply effective governance & controls in execution of sales (quality documentation etc.) of sales and service delivery for the portfolio
• Keep updated on all regulatory requirements and changes in business and apply appropriate requirements and sales standards/practices.
• Aligned sales activity, sales and service reporting and migration planning
• Devise and apply accurate reporting to support sales planning and activities.

Education

• Bachelor's Degree: Banking

go to method of application »

Job Summary

Overall job purpose

The External Sales Consultant is responsible for actively pursuing sales growth (volume and value) and service delivery competitiveness by: 

• Owning & Deliver on all individual performance targets for the allocated portfolio of external sales activities (Full Accountability) 
• Support collaborative sales activities between relationship banking, business bank and corporate bank
• Uphold sales disciplines required to support sustainable relationships in relevance to scheme Management
• Plan and conduct education on Absa’s value proposition to customers in support of sales, and migration targets within the area 
• Identifying opportunities and represent Absa on external sales engagements within assigned areas e.g. workplace banking schemes, public forums, major events, festivals etc.
• Improving overall Absa performance through the identification of sales, cross sell opportunities and active engagement and partnership with colleagues (branches, across BU, region etc) to deliver against these
• Actively building networks and relationships within the assigned area that supports lead generation and Absa visibility across the region

Job Description

Key accountabilities

Planning and Growth

• Accountable for achievement of sales performance objectives in terms of sales target achievement for Inclusive Banking, Entry Level and Bulk Acquisition Sales, in the B2C environment.
• Deliver sales and service delivery targets within the assigned areas of responsibility
• Collaborate on sales opportunity leads across business disciplines (RB, CIB, Physical Channels)
• Take Accountability for end-to-end fulfilment of sales execution within prescribed sales standards, and actively drive scheme penetration for EVP Schemes to deliver on sales and service targets for the region
• Actively contribute to Regional Sales strategy and plans
• In conjunction with ES RM/TL, proactively devise weekly plans and activities to drive sales growth
• Proactively identify cross sell opportunities partnering with colleagues to deliver these effectively in the assigned area
• Actively monitor, and take accountability, for own sales and service performance across the region and proactively identify opportunities to improve sales and service delivery or enlist coaching and support where necessary to do so
• Establish networks within the defined area to enlist opportunities for Absa presence at key events and forums in line with the regional or area plans
• Identify and prospect future potential clients turning leads into real business opportunities
• Leads Management – proactive utilisation and conversion of assigned leads
• Provide relevant and insightful feedback to product and performance teams on initiative mechanics and client feedback to drive enhancements in sales and service
• Proactively engage existing clients on new products and services and migration strategies in alignment with One Absa business objectives
• Actively mine EVP Schemes to deliver on sales and service targets for the region
• Effective sales execution planning (activities, time management, resources, travel etc.)
• Ensure you act in line with the External Sales Disciplines and New Ways of Work
• Higher dependency on New to Bank (NTB) and New to Transact (NTT) Acquisition
• Identify and Execute Campaign Management to execute on business growth
• Daily sales planning to align to attainment of benchmarked core sale efficiencies
• Strategic Time Management: apply and reflect on time management plan

Customer and Stakeholder Management

• Proactive understanding and assessment of customer segment to support sales and activity planning and sales
• Proactively engage customers on needs analysis, as well as products and services and then enable the delivery of an end-to-end client solution through a thorough understanding of Absa products and customer needs
• Proactively resolve client queries, concerns and complaints, with focus on first point of contact resolution
• Ensure a holistic service and customer experience, as a standard, for all clients aligned to the overall external sales team process and methodology.
• Positively contribute to customer experience score levels to attain >92%
• Customer Relationship Management - Participate in client engagement routines (planned visits) for improved sales and service delivery
• Act as a Brand Ambassador in all client and business activities

Colleague

• Actively contribute to ES Team and Region in all activities
• Monitor Individual Sales Performance and support peers towards attainment of Team performance 
• Identify process efficiencies and share best practices in the External Sales team 
• Proactively network & research to stay current on key areas of expertise and to support business/sales growth initiatives
• Live the Absa Values and support colleague engagement through positive and collaborative team behaviour

Risk and Regulatory Management

• Ensure all policies and procedural, regulatory and compliance requirements are fully adhered to, at all times
• Ensure the effective use and management of devices and resources availed to execute role requirements. (E2E Mobility device & accessories, marketing collateral etc. Including systems & software updates.)
• Ensure appropriate product and service solutions are provided to customers through quality consultations e.g no mis-selling
• Apply effective governance & controls in execution of sales (quality documentation etc.) of sales and service delivery for the portfolio
• Keep updated on all regulatory requirements and changes in business and apply appropriate requirements and sales standards/practices.
• Aligned sales activity, sales and service reporting and migration planning
• Devise and apply accurate reporting to support sales planning and activities

Education

• Bachelor's Degree: Banking
   

go to method of application »

Job Summary

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

Job Description

Job Purpose 

• To support the Retail Compliance team in managing the Private Banking and Wealth portfolios as the Senior Specialist: Compliance. To operate within a pressurised and high performing environment, to help protect Absa business from regulatory, conduct and reputational risk. To achieve this through overseeing implementation of a fit-for-purpose framework, setting common standards, assessing adherence to standards, giving training and guidance, monitoring the business and providing advice. This requires being at the heart of the business, whilst being independent of the business as a second line of defence, being proactive in anticipating and addressing risks, driving adherence to the Values of the Bank, and being a role model for Compliance across the industry.

Key Accountabilities

Mandatory Responsibilities

• Ability to operate at a leadership level in the business – helping shape and execute the business strategy
• Business Knowledge – of both the products, customer segments and the market
• Commercial, working with business colleagues to solution, turning regulatory compliance into a competitive advantage
• Assertive, with an ability to manage conflict – understands where the regulatory, governance and control line is, and will not cross it
• General understanding of the regulatory landscape
• Some deeper regulatory expertise, that is most relevant to the business and its strategy
• Understanding of good governance and control practices

Retail Business Management

• Support the Head of Compliance through executing the Compliance strategy
• Provide input to enhance the Compliance methodology
• Provide input into the Retail regulatory, conduct and reputation risk environment
• Share knowledge across the Retail business

Compliance Advisory

• Drive the right behaviour, specifically adherence to the Values of the bank, in the business through effective standard setting, advice, training, verification, escalation, reporting and engagement.
• Clearly communicate the role and objectives of Compliance to the business.
• Maintain constructive regular engagement with relevant stakeholders, including business, infrastructure and regulators.
• Provide accurate and timely compliance and regulatory advice to the business as a second line of defence.
• Provide relevant Compliance risk information reporting to management.
• Report and escalate policy and regulatory breaches and conduct or regulatory issues to appropriate stakeholders, which may include business management and regulators.
• Maintain a compliance training plan for the business and ensure effective execution of training, including face-to-face and e-learning.

Deployment of policies.

• Manage new regulatory requirements by evaluating regulations (local and international) identified as relevant to the business and provide an impact analysis relevant to the business. Address impacts, including policy amendments, business notifications and provision of training.
• Keep Business appraised of notifications distributed by the regulator impacting the business.

Stakeholder Management

• Be the point of entry for interactions with each regulator regarding the business.
• Position and communicate compliance policies, requirements and initiatives with the relevant stakeholders
• Actively drive a stakeholder management plan for all compliance and regulatory matters affecting the business
• Liaise with senior executive stakeholders and stakeholder groups

Risk Management

• Be the accountable key regulatory risk owner for the business
• Perform on-going monitoring of the business through stakeholder engagement, compilation and assessment of management information, and tracking and analysis of issues.
• Maintain detailed regulatory risk assessments for the business, identifying all regulations and assessing the regulatory risk.
• Maintain and assess regulatory risk MI for the business.
• Perform effective monthly verification testing on key regulatory risks of the business.
• Review and provide input on the Compliance Risk Review coverage for the business. Review the coverage plan, the scope of each review, and conclusions and final report of each review.
• Assess the overall testing coverage on regulatory risk for the business and address deficiencies.

Governance

• Serve on appropriate risk and governance forums for Compliance
• Report to relevant governance forums with overall conclusions on regulatory risk.

Education and Experience Required

• B-degree with Commerce concentration
• LLB or equivalent qualification preferred
• 5-10 years relevant business/product/channel experience

Knowledge & Skills: (Minimum of 6)

• Deep understanding of the relevant product house/channel.
• Reasonably understands the legislative and regulatory landscape and requirements imposed by the South African regulators, including the South African Reserve Bank/Prudential Authority, Financial Services Conduct Authority, Information Regulator and National Credit Regulator (where relevant)
• Able to analyse, interpret and advise on regulation and legislation
• Engages regulators and industry groups constructively on compliance and regulatory matters
• Understands the core principles of an effective compliance function.
• Understands and is able to implement Compliance governance

Competencies: (Maximum of 8 competencies)

• Problem Solving Leadership
• The ability to analyse- and quickly grasp the implications of a situation, relating data from different sources, critically evaluating and integrating information/facts, and diagnosing a problem.
• Customer Focus
• Extensive understanding of best practices for a customer focused culture and the management of customer experiences.
• Business Acumen
• The ability to understand financial and economic concepts/drivers; to identify, create and/or exploit opportunities.
• Innovation Leadership
• Demonstrates ingenuity and curiosity to do things better and fosters an environment of disruptive thinking and action
• Strategic Capability
• The ability to continuously evaluate and redirect business strategy and value proposition thereby promoting the competitive viability of the organisation.
• Results Orientation
• The ability to set ambitious goals maintain a bias for action, drive delivery and take accountability for the outcome.
• Collaboration and Influencing
• Ability to build an extensive collaborative network amongst different stakeholders within and without the organisation (at the most senior levels) that supports the achievement of business goals
• Inspirational People Leadership
• The ability to build, inspire, and develop teams towards high performance

Education

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

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Job Summary

• Actuarial Science qualification preferred
• Statistics, Mathematics, Finance, Investments related qualifications 
• Any other quantitative qualification 
• CFA is an added advantage
• Proficiency in MS office (Excel, Powerpoint, PowerBI)
• Coding in Python/R/MATLAB or any other quantitative/statistical software

Job Description

Strategic asset allocation and investment strategy 

• Conduct local and global research on market and economic conditions and trends; fundamentally, quantitatively and qualitatively 
• Gather data, perform statistical analysis and build market and economic forecasts using time-series modelling techniques, parameterising financial and economic models, and introducing machine learning algorithms like neural networks 
• Run the Strategic Asset Allocation model using established asset allocation frameworks and present any recommended changes to Asset Allocation Committee 

Outcomes 

• Delivering market-beating investment performance 
• Publications of high-quality and in-depth and up-to-date regular research reports
• Producing accurate asset class return forecasts 

Portfolio management  

• Management of quantitative investment portfolios 
• Management and rebalancing of specialized portfolios such as living annuities, life-stage portfolios 
• Portfolio trading and rebalancing of offshore and local portfolios 

Outcomes 

• *Implemented portfolios are managed in alignment to Houseview and/or any relevant model portfolios 

Equity research  

• Conducting detailed, in-depth and high quality fundamental research on companies looking at their strategy, operations, financials and valuations with the aim of making high-conviction investment recommendations for the local and global portfolios 
• Incorporating ESG into the investment management philosophy and process and integrating this into the bottom-up research process 
• Applying the latest techniques and using technology and data effectively in assessing company operations, financials, strategy and valuations  
• On-going monitoring of company developments and on-going reassessment of company investment cases in-light of changing operating environments 

Outcomes 

• Production of timely, high quality and informative research reports including the daily and weekly Markey wrap 
• Providing high quality, in-depth and informative stock presentations to the investment committee on an on-going basis to keep the committee abreast with stocks covered 
• Providing stock recommendations to the Investment committee with a high level of conviction 

Stakeholder engagement 

Objectives 

• Engaging with various stakeholders within other areas of the business, gathering data to identify business problems, objectives and processes requiring solutions 
• Developing solutions appropriate to meet the needs of stakeholders 
• Monitoring the outcomes of the solutions regularly and ensure a feedback loop to the problem idenfication process 
• Communicating the results of the solutions on a regular basis 

Outcomes  

• Developing investment solutions and value propositions for other areas of the business that aid in them fulfilling their targets and objectives 
• Expanding the investment product offering with launching of new portfolios to meet the needs of  
• Developing and/or enhancing processes to improve investment outcomes 
• Regular client meetings to report on performance of solutions 

Client/Media engagements  

Objectives 

• Upholding and representing the Absa brand 
• Marketing Absa Investments as well as broader business units where applicable 

Outcomes 

• Regular presentation of market and macroeconomic research to internal distribution channels 
• On-going external communication and engagement with media and clients 
• Upholding and representing the Absa brand 

Education

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

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Job Summary

• Provides financial services to meet client specific needs to promote, market and sell Financial Solutions in accordance with relevant legislation, to meet sales targets and achieve strategic business objectives.

Job Description

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

Education

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

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Job Summary

• Utilise technology and applied learning in a virtual Omni-channel environment, providing superior and seamless customer experience in an efficient and cost-effective manner, by performing banking duties and overseeing the financial activities for Private Wealth clients.

Job Description

Accountability: To build customer relationships in the preferred market segments:

• To own the primary relationship with our clients by being the client’s main contact point and to work collaboratively with specialists (ie actioning leads from the Existing Client Management team) to ensure that our clients experience the full spectrum of our value proposition.
• To ensure that you achieve the required contact strategy relevant to your portfolio based on client segmentation of your bespoke portfolio.
• To respond and execute on immediate client requests, ensuring you fully understand your clients’ needs.
• To secure new business through interaction with current and prospective clients and leads generation and ensure new clients are fully on boarded.
• Ensure retention of clients by applying appropriate remedial actions where appropriate.
• Consistently achieve customer satisfaction scores as per agreed threshold by ensuring that customers are appropriately serviced in line with our value proposition.
• To work seamlessly with the sales support team in ensuring that they are enabled to support you in your portfolio.

Accountability: Deepen relationships with our customers through meeting their individual needs and achieving the required income from each portfolio.

• Prepare weekly for performance discussions with People Manager to review client contact plans, opportunities, successes and support required.
• To review and negotiate pricing structures with clients, in line with the Absa Pricing policy to ensure that the product profitability is managed optimally.
• To effectively cross and up sell the appropriate products within the respective campaign management parameters to clients, ensuring that all requirements in terms of FAIS (Financial Advisory and Intermediary Services Act), FICA (Financial intelligence Centre Act) and NCA (National Credit Act) are met.
• Drive Income growth of the Portfolio through the effective actioning of leads, timeous completion of client reviews and service requests.

Accountability: Protecting our assets through appropriate levels of risk and credit Assessment

• Ensure transparency and open dialogue between credit and the client by communicating the client’s requirements, by means of properly motivated and well-articulated motivations with the required supporting documents and giving feedback on the banks’ position regarding these requirements.
• Coordinate and drive outstanding client reviews and ensure timeous finalisation.
• Ensure that arrangements with clients are within the credit guidelines and that credit is informed of any special arrangements via utilisation of the prescribed systems.
• Takes ownership of clients risk management through consistent application of the bank’s regulatory and compliance framework.

Accountability: Colleague and Personal Development

• To act as backup for other Virtual Private Wealth Bankers in the team in case of absence or during peak times according to the agreed schedule as provided by management.
• Keep abreast of developments in the industry/sector to ensure adequate client service and to support potential risks and or opportunities.
• Ensure that Continuous Professional Development (CPD) hours are maintained at all times.
• Complete the relevant Compliance, Risk and System, Product and role fundamental learning as per the Private Wealth Minimum learning requirements.
• Subscribe to relevant segment specific initiatives and apply this knowledge to act on opportunities to maximize revenue and profitability.
• Demonstrate the willingness and ability to perform to the very best levels to ensure personal alignment to Absa’s Values and Vision.

Education

• Bachelor's Degree: Business, Commerce and Management Studies

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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

• Provide customers with a mortgage solution at their convenience and in the process deliver on contracted sales targets through the delivery of superior customer services.

Key Accountabilities

Accountability : Sales 

• Execute action plans in order to meet the agreed and contracted application, Final grant and registration targets as performance development plans
• Prospect for potential direct customers and sources using various methods such as networking, referrals etc.
• Engage with existing customers, identified through the relevant lead generation process, to establish possible re-mortgage needs and provide advice on mortgage lending.
• Travel to and meet with prospective customer and sources, at a place and time of their convenience, providing mortgage customer solutions, assisting in completing and submitting the application with all required supporting documents to the production Centre for processing
• Manage and track all summitted deals into the production Centre by following the prescribed CCC ( Customer Care Centre) tracking process and keep the customer and source informed of the progress and / or status of the application i.e. approved, declined, reasons, etc.
• Maintain agreed conversion ratios on application-to-grant and grant-to-registration as per the Absa Home Loan process
• Track and follow up all deals which have been final granted by following the CCC process and keeping customers and sources informed until deal registration.
• Continuously explore and investigate all opportunities (e.g. Property shows, Auctions, show houses, etc.) in order to increase sources of business and sales intake
• Keep abreast of competitor activate by studying all available information (e.g. newspaper articles, marketing campaigns) in order to proactively offer solutions to customers and sources, securing deals for Absa.

Accountability: Relationship Management 

• Manage and network with external customers and sources to increase sales intake, grants and registrations
• Interact with external sources and liaise with Key Account Managers regarding developers to sign them up as Lead Generators in order to increase sources of business
• Facilitate regular meetings with sources to identify sales opportunities and address services related matters
• Interact with Key Account Managers by scheduling regular one-on-one meetings to explore possible property development opportunities
• Educate and inform source of business on product, process and progress ensuring that they submit a completed application and remind informed
• Engage with other business units and departments to deliver superior business value

Accountability : Governance

• Ensure that all business secured complies with the governance and compliance framework
• Report any suspicious transaction and / or client to the Risk and Compliance Consultant for further investigation

Accountability : Customer Services

• Provide superior customer service by proactively and timeously obtaining documentation to ensure complete applications
• Ensure that any query or complaint received from a customer is resolved within 24 hours of receipt and ensure continuous feedback to the customer
• Ensure customer satisfaction by delivering outstanding customer service in line with the TCF (Treating Customers Fairly) principles which will result in increased sales and retention of Home Loans Customers

Education and Experience Required

• National Certificate or equivalent NQF Level 5 Qualification
• 2 years (Technical / Managerial) experience
• Property Finance experience
• Sales and Customer relations experience in a Banking environment
• Experience in Home Loans or Mortgage environment

Knowledge & Skills

• Selling and Relationship Skills
• Communication Skills
• Entrepreneurial Thinking
• Negotiating Skills
• Presentation and public speaking skills
• General understanding of banking and financial services
• Interpersonal skills
• IT Literacy
• Marketing Skills
• Analytical Skills
• Understanding of Real Estate and Property Markets

Competencies :

• Deciding and initiating action
• Coping with pressure and setbacks
• persuading and influencing
• Working with People
• Delivering results and meeting customer expectations
• Achieving personal work goals and objectives
• Entrepreneurial and commercial thinking
• Presenting and communicating information

Education

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

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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)