Jobs at Absa Group Limited (Absa)

Job Summary

• As a Senior Risk Manager within the Finance Management (FM) COO Function, you will fulfill the duty of being a first line of defense (1LOD) champion for the function focusing on Technology, Information and Cyber risk.
• As a coordinator and value defender, you use your years of business experience, knowledge and insight from internal data sources and best practices to advise and solve complex problems while overseeing the development, implementation and delivery of optimal practice/framework designs.
• You mainly communicate with technical specialist teams across the solution and delivery areas.
• You ask and respond to questions on efficiency, effectiveness, compliance and risk in a proactive manner.

Job Description

• The Finance Management (FM) COO team supports the Heads of FM Functions in managing the overall Finance business to enable delivery of the functions’ strategic objectives and fulfilling of business responsibilities.
• These responsibilities include: Drive the Strategy for FM and its sub-functions
• Support the Heads of FM sub-functions in strategy execution
• Drive the Colleague Agenda
• Cost and FTE management, including budget setting
• Operational support to Functions and sub-functions
• Operational risk support and coordination of risk deliverables for the Function
• Co-ordinate the above deliverables through a well-orchestrated COO community within the Functions The role of the Senior Manager Risk is therefore to
• Provide independent and objective end-to-end operational risk advice and support to drive the Risk practices for the FM COO function in line with the Enterprise Risk Management Framework and Operational and Resilience Risk Management Framework.
• Ensure that all activities and duties are carried out in full compliance with regulatory requirements, Enterprise Risk Management Framework and internal Absa Policies and Policy Standards.

Strategic Risk Framework Leadership

• Define and implement a comprehensive risk management framework tailored to infrastructure and cloud environments.
• Align risk strategies with organizational goals, regulatory requirements, and technological advancements.
• Review and evaluate technology, information and cyber policies and procedures, and tools to provide insight on how to reduce technology risk.
• Collaborate with infrastructure and architecture teams (Networks, Computer, Cloud, DBaaS, Mainframe and End User) to manage the specific infrastructure risk posture.
• Ensure governance processes adhere to the required standards (for example: ISO 27001 and GDPR), enhancing compliance and quality assurance.

Risk Culture & Awareness

• Foster a strong risk culture across Finance by promoting awareness and understanding of operational risk principles among senior finance leaders and teams.

Risk Oversight & Challenge

• Monitor and challenge the relevant operational risk profile of Finance, ensuring alignment with the bank’s risk appetite.
• Identify emerging risks and provide independent oversight of risk-taking activities.
• Ensure that risk is effectively managed and monitored.
• Identify, assess, and mitigate risks across technology platforms, including operational, cyber security, and compliance risks.
• Oversee incident response, disaster recovery, and business continuity efforts, ensuring resilience and rapid resolution.
• Monitor vulnerabilities such as system downtime, data breaches, and third-party dependencies, implementing controls to minimize impact.
• Coach users in risk identification and assessment.
• Provide appropriate and accurate risk reporting to the required stakeholders.
• Review technology, information and cyber security risks, internal and external, to help inform the risk profile

Regulatory Compliance & Governance

• Ensure compliance with internal policies, regulatory requirements, and industry standards.
• Oversee the design and implementation of risk-aligned technology-related processes and controls.
• Implement and adhere to the provisions of the Combined Assurance Policy and Assurance Standard.
• This includes conducting assurance in line with the Combined Assurance Controls Testing Methodology.

Risk Reporting & Escalation

• Lead the evaluation and reporting of technology risk and compliance levels, including policy adherence, dispensations, and waivers.
• Ensure accurate and timely reporting of risk events and issue resolution.
• Design and implement regular risk reporting processes for FM management and governance bodies.
• Prepare monthly reports and jointly contribute to the Absa Technology Governance and Reporting function’s reporting requirements as it related to Finance Management functions Technology.
• Prepare the quarterly submission for Absa Technology ERC.
• Preparing meeting summaries or sending out action items to stakeholders.
• Consolidate and validate data to ensure accurate, timely, and complete risk reports.
• Present the aggregate FM Technology risk profile to senior management.
• Review and challenge 1LOD reports, offering insights and analytics.
• Deliver current and forecasted risk profiles as agreed with stakeholders.

Key Risk Indicators (KRIs) & Metrics

• Drive the development, monitoring, and performance assessment of risk indicators and thresholds relevant to Finance Management’s technology risks.
• Ensure indicators are meaningful, measurable, and aligned with business objectives.
• Capability Building & Continuous Improvement Provide coaching on risk management tools (e.g., RCSAs, KRIs, risk events and Key Risk Scenarios) and lead initiatives to enhance risk capabilities and adapt to evolving expectations.
• Operational Risk Planning & Execution Support the planning and execution of operational risk deliverables with a focus on Technology risk, ensuring alignment with the central risk calendar and Finance’s strategic priorities.
• Risk Assessment & Remediation Oversight Review and challenge key risk assessments and remediation plans for Finance. Contribute to deep dives and lessons learned exercises for material risk events, ensuring effective tracking and escalation of findings.
• Data Integrity & Reporting Assurance Validate the accuracy and completeness of operational risk data and reports generated by Finance and supporting functions, ensuring high-quality risk intelligence for decision-making.

Project oversight and Technology Change

• Identify all high/moderate risk projects in the area and track RAG status from a risk perspective. Be involved in project assurance reviews and ORIAs where required.
• Manage change processes across infrastructure services to ensure seamless implementation.
• Drive continuous improvement using iterative approaches to deliver measurable value and minimize execution risk.

Cyber security

• Define, recommend and manage cyber security controls for business initiatives and projects.
• Participate in Threat Vulnerability Assessments and Remediation Management
• Evaluate business requirements and assist with the secure design and solutioning of these requirements into system design and operation
• Provides reports to key stakeholders regarding the effectiveness of cyber security posture and makes recommendations for the adoption of new policies and procedures.
• Act as a subject matter expert (SME) in conducting vendor cyber risk assessments to improve overall vendor risk program.
• Oversee cyber security intelligence, incident response and cyber resilience management.

Preferred Education

• B degree or equivalent specialising in Operational Risk Management / Audit or equivalent NQF level 6 qualification or higher degree required in Information Technology
• CISA/CISSP/CISM/CGERT/PMP or any other IT Governance related qualification

Preferred Experience

• 2 years managerial/leadership experience
• 4 years’ experience in a risk and audit environment
• 4 years job relevant experience in IT Governance
• 4 years Financial Business environment or other financial related experience
• Knowledge of the main operational processes, procedures and control frameworks within the Absa businesses.
• Understanding of emerging technologies and the risk implications.
• Proficient in Open pages (ORMS)Proficient in MS Office (Word, Excel, PowerPoint and Outlook).Awareness of varying legal/regulatory environments.
• Experience in implementing risk or compliance frameworks end to end.
• Exposure to Operational Risk Governance and Operational Risk and Control Committees
• Experience with Risk Framework elements
• Experience in dealing with multiple, diverse and senior stakeholders.
• No criminal record
• Knowledge of Risk Management, which includes risk identification, control design, monitoring and reporting
• Knowledge of Banking Legislation, compliance and regulatory policies and best practice
• Knowledge of risk regulation and industry standards
• Ability to operate independently
• Report writing skills
• Problem solving
• Analytical skills

Education

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

End Date: July 16, 2025

go to method of application »

Job Summary

• Specific Role Purpose: Role will be focused on reporting and planning of all financial and management information within finance.
• Analysing and reporting of financial information in an accurate, complete and timely manner and providing business with meaningful insights and value-add perspective to enable decision making
• Continuously seeking ways to improve operations by scaling automated financial processes, performing deep dives on several topics and trend analyses.
• Crafting financial solutions aligned to all appropriate controls, business financial health and growth objectives.

Job Description

Financial Planning Accountabilities

• Assist finance manager in developing processes and controls to ensure that the planning process is effective, supports business strategies and completed within the required timelines with the appropriate level of details.
• Build the financial model to support the business plan and ensure the model is in compliance with model governance through annual model review
• Understand and review assumptions provided by business to support the forecast
• Understand and integrate Treasury, Risk, and Finance data from a BU perspective, where appropriate.
• Prepare and process all journals relating to the forecast on the relevant system within the required timelines.
• Review all journal entries posted relating to the forecast to ensure accuracy and completeness
• Provide accurate, complete and timeous reporting of the forecast to relevant stakeholders
• Prepare for all cycles in advance and ensure adequate engagement with the relevant finance and business teams.
• Transform and evolve Finance planning, tracking and control processes
• Present financial planning results to business highlighting performance and provide meaningful insights on possible risks and opportunities for the near future
• Take a commercial view on business and provide contextual insights into planned performance results
• Interact with the stakeholders to agree minimum quality standards, as well as an agreed method of communicating and resolving any identified quality deficiencies in the planning process.

Financial Reporting Accountabilities

• Build trust in the finance function through the creation of a single source of financial information which is corroborated by related management information sources and alignment to the agreed accounting principles, methodologies, and underlying data are correctly applied.
• Ensure appropriate, quality and timeous delivery of accurate financial and non-financial management information to support business objectives and expectations, including appropriate financial and non-financial metrics, valid and insightful comments and packaging the information in a relevant and appropriate manner.
• Own the process of delivery of high-quality information for regular and ad-hoc enhanced reporting to agreed requirements, timelines, and standards.
• Own and co-ordinate the core finance processes for PPB FDS Finance and contribute to the effectiveness of these processes for PPB and Group Finance (annual planning, forecasting, spend trajectory and reporting).
• Develop and implement control procedures as deficiencies or exceptions are identified which support the production of error-free reports. Assess and drive improvement of business accounting practices and policies.
• Validate all financial and management reporting information for flash results, month end financial results and utilisation and reporting of various key metrics
• Integrate advanced modelling and analysis capability to provide actionable intelligence, beyond data within the function.
• Generate finance narratives and insights driving business; and build/advise on pioneering new propositions.
• Take a commercial view on business and provide contextual insights into performance reports.
• Present financial results to business highlighting performance against plans, prior performance and providing meaningful insights on possible risks and opportunities for the near future
• Align to processes around month-end, year-end and planning cycles across the PPB finance community and BU based on the requirements from Group.
• Prepare for all cycles in advance and ensure adequate engagement with the relevant finance and BU teams.
• Interact with the stakeholders to agree minimum quality standards, as well as an agreed method of communicating and resolving any identified quality deficiencies in the reporting process.
• Act in line with the correct governance and control frameworks across the Finance team, as well as for proactively addressing any deficiencies and exceptions.
• Ensure that the CFO is appraised of key financial issues that need to be raised with executive leadership to enable integrity and timely management the BU.
• Know BU financial ambitions and balance sheet aspirations of PPB in performance reporting.
• Contribute to BCM & cybersecurity processes relevant to the BU and finance execution.
• Serve as a subject matter expert on financial data integrity, accounting processes, reconciliations’, analysis and reporting for end-to-end Financial Management in business area.
• Responsible for continuous operational excellence and real-time responsiveness of finance to enable business to achieve growth and profitability objectives.
• Focus on information-driven performance improvement and formulate data into easy access standardised views.
• Maintain stewardship and excellence which drives performance and sustainable growth through preservation of financial integrity.

People Investment Accountabilities

• Peer responsibility: Coach, inspire, engage, mentor and develop finance and business savvy leaders.
• Network with finance colleagues across GFD and create awareness of challenges, opportunities and issues and encourage collaboration
• Focus on Finance skills evolution and remaining relevant.
• Embrace the value of finance partnership in Big Data, Advanced Analytics, mergers and acquisitions, and partnerships into the core of our business.
• Ensure deep personal understanding of income statement, balance sheet, margin returns, variance analysis, capital and liquidity requirements, revenues, assets, liabilities and capital, expenses, headcount analytics and other key ratios through relevant business engagement.

Role / Person Specification

• Minimum B-degree (NQF level no.7) Desired Post Graduate Degree (NQF level no.8+), CA (SA) or CIMA qualification preferred.
• 3+ years professional financial management experience

Knowledge and skills:

• Experience in executing finance processes.
• Experience in commercial innovation environments
• Broad Finance including strategic, commercial, legal, risk and operational aspects
• Understanding of the financial services sector within a professional business environment
• Knowledge of building collaborative work environments

Education

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

End Date: July 16, 2025

go to method of application »

Job Summary

• The purpose of the role as a Commercial Credit Manager, is to manage the credit function for specific portfolios within Commercial, Agriculture, Commercial Asset Finance (CAF) and Commercial Property Finance (CPF) within the Growth, Premium and High Value segments of Relationship Banking, with specific focus on the lending activities relating to a specific region.
• In this role, the incumbent is accountable for the implementation of credit risk management and risk appetite strategies, tailored to the specific portfolios, by conducting quality credit assessments and providing responsible risk decisions.
• The role is also required to evaluate credit risk performance, while monitoring and analysing portfolio performance to identify trends, risks and opportunities, and make recommendations to make risk adjustments where necessary.
• The incumbent is also expected to foster relationships with relevant stakeholders and ensure compliance with regulatory and internal directives and policies.

Job Description

Credit Sanctioning

• Perform quality credit sanctioning within the Operational Level Agreement (OLA), being cognizant of risks, being solutions-driven, and considering compliance requirements.
• Assist stakeholders with growth by assessing, structuring, and solutions to client needs, ensuring adherence and compliance with credit policies, processes, terms, and conditions.
• This includes evaluation and structuring of new opportunities, initial credit due diligence, and preparing recommendations to the credit committee as well as ongoing monitoring.
• Evaluate a company’s stability, the adeptness of the management team, and creditworthiness by analyzing relevant documents including balance sheets, income statements, cash flow statements, financial projections, etc. Validates any assumptions, projects, and overall borrower viability and ability to repay the credit request.
• Understanding of legal agreements of transactions and related transaction documentation.
• Conduct a full assessment of the risks and potential mitigating factors impacting on a client.
• Perform robust financial and non-financial analysis on the client that supports the review of facilities or new funding proposals.
• Make use of clients' historical data, for example, financial statements to forecast the clients’ potential growth and sustainability.
• Conduct a sensitivity/scenario analysis to determine the impact that a change in, for example, the economy, political situation, and consumer demand, will have on the client’s financial health.
• Based on the analysis conducted structure a lending solution for the client, that will account for the potential threats to the client and that is within set credit limits and the Bank's credit lending policies and appetite.

Industry Knowledge

• Demonstrate and display understanding and experience in the finance of various sectors.
• Understand the industry’s overall profitability, industry trends, and the client's market standing relative to its competitors.

Portfolio and Risk Management

• Manage a portfolio of commercial lending products, including monitoring performance and identifying potential issues.
• Conduct regular portfolio reviews and provide recommendations for risk mitigation strategies.
• Monitor market trends and economic indicators to assess potential impacts on the loan portfolio.

Stakeholder Management

• Collaborate with internal teams, including Risk, Coverage, legal and Compliance to ensure alignment with credit policies and regulatory requirements.
• Build strong relationships with stakeholders understanding their needs and providing proactive credit solutions.
• Provide guidance and support to team members, fostering a culture of collaboration and knowledge-sharing.

Risk Control and Governance

• Apply the highest standards of controls and risk management practices and behaviours and embed a positive risk and control culture.
• Ensure regulatory compliance and reporting through adherence to policies, procedures and regulations.
• Support risk assessments and audits, contributing to the identification and mitigation of potential risks.

Credit data and systems management

• To analyse and action relevant management information and manage exposures including the maintenance of relevant systems.
• Drive RWA efficiencies by ensuring that the data in terms of Default Grades (DG's), Loss Given Defaults (LGDs), limits, and review dates are correctly captured on the Bank's credit systems and adequately supported by the credit systems.

Other Responsibilities

• Assist with special projects or other duties as needed and deemed necessary.
• Demonstrate an understanding of credit and risk assessment tools, risk measurement, and rating methodologies, including their underlying assumptions and potential weaknesses.
• Demonstrate resilience and ability to work in a competitive and highly pressurized work environment to ensure that deadlines are met.
• Provide ad hoc training and coaching to junior credit or new staff members through the provision of relevant materials, explanations, and/or presentations.

Education and experience required.

• Desired Graduate Degree (NQF level no.7+) with majors in Accounting, Financial Management or Risk
• 3 to 5 years’ experience in a similar environment
• Knowledge and understanding of credit and investment risks in the financing of transactions or projects.
• Portfolio management experience would be advantageous.

Organisational Requirements

• Ability to work in a high pressured and fast paced environment.
• Clear credit profile
• No criminal record

Education

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

End Date: July 14, 2025

go to method of application »

Job Summary

• Contribute to tactical planning from an operational perspective. Implement and deliver approved operational plans.
• Accountable for management in terms of: people, process, applied technology, budget.

Job Description

Market scanning:

• Understand and implement local market strategies to maximise opportunities

People Management:

• Coach, mentor and manage team members toward driving business objectives and ensuring colleague development

Customer Experience:

• Handle all customer interactions professionally and efficiently

Business Performance:

• Ensure own and team performance against business, efficiency and continuous improvement targets, as well as customer outcomes

Compliance and Risk Management:

• Ensure that all team activities are in adherence to relevant control and compliance requirements, and quality standards

Requirements:

• 3 -5 years Team Leader and Management experience of a Sales Teams
• FAIS Fit and Proper Requirements Applicable to this Role (Advice and Intermediary Service)
• FSCA-Approved Qualification
• Regulatory Exam for Representatives (RE5)
• Experience As Per the FAIS Act
• Product Specific Training once Onboarded
• Class Of Business Training
• Continuous Professional Development
• Attest To Honesty, Integrity, and Good Standing

Education

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

End Date: July 15, 2025

go to method of application »

Job Summary

• Optimise the profit and economic value of portfolios of Small Business key account clients requiring low to medium complexity commercial banking requirements by focusing: origination efforts to quire new clients; cross-sell to existing client base; coverage efforts to service clients in accordance to the segment CVP

Job Description

• Relationship Management: Own the primary relationship with the client by being the client’s main contact point for all corporate and investment banking needs.
• Client Solutioning: Take overall accountability for service delivery by setting the rules of engagement for the cross functional team, which includes Transactional Banker, Credit Analyst, Segment Support Client Control Team, Client Service Consultant & Product & Sector teams.
• Manager Risk Assessment: Take ownership of the portfolio's risk management by ensuring a good understanding of both the Bank's and the clients regulatory and compliance environments

Education

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

End Date: July 31, 2025

go to method of application »

Job Summary

• Support high-performing, scalable, enterprise-grade application design & development in agile teams by producing, testing, documenting & reviewing source code.

Job Description

DevOps

• Contribute to all phases of the development lifecycle
• Interpret analysis, problem definition & business requirements to identify solution requirements (e.g. features)
• Produce well-organised and documented source code for technical solutions
• Apply technical organisation principles of self-service, repeatability, testability, scalability & resilience in code development
• Apply general design patterns and paradigms to deliver technical solutions
• Debug existing source code and polish feature sets.
• Work with integrated teams and other developers to improve and evolve technical products and services
• Study & apply Group Architecture & Infrastructure guidelines to all development work
• Support reviews, performance monitoring & ongoing optimization and maintenance on applications
• Stay ahead of the curve on emerging technologies and development practices and continuously evolve existing knowledge & skill in preparation for exposure to Automation, Integration, Messaging, CI/CD etc.
• Update, create and appropriately store application documentation & technical specifications

Risk & Governance

• Participate in incident management & DR activity – applying critical thinking, problem solving & technical expertise to get to the bottom of major incidents

Education

• Bachelor's Degree: Information Technology

End Date: July 15, 2025 

go to method of application »

Job Summary

• To develop a functional procurement operating model and framework in a broadly defined group functional strategy; enabling horizontal implementation and adoption.

Job Description

Job Purpose

• Senior Software Procurement Specialist is crucial in ensuring that the organization obtains the best value for software products and services.
• This job contributes uniquely to the organisation by utilising the specialist's knowledge and experience in software procurement to develop and implement procurement strategies, negotiate contracts, establish relationships with software vendors, and provide advice to internal stakeholders on software procurement matters.
• Without this job, the organisation would struggle to obtain the best software products and services, potentially leading to suboptimal outcomes such as higher costs, poor vendor performance, and inefficient processes.
• The Senior Software Procurement Specialist is essential in identifying cost-saving opportunities, managing vendor relationships, and driving continuous improvement in quality, cost, and delivery.

Key accountabilities

Procurement Strategy:

• Procurement strategy for software products and services developed and implemented on a per deal basis
• Software procurement spend analysed and cost-saving opportunities identified.
• Knowledge of industry trends and best practices in software procurement applied to contribute to the development of company-wide procurement.

Integrated Software procurement:

• End-to-end management of software procurement process, from requirements gathering through to contract
• Software contracts negotiated on behalf of the organisation
• Drafting of complex software engagements, and management of the review and finalisation of contracts in collaboration with Commercial Legal and SMEs (eg Risk, Security, Data and managed for compliance with relevant laws and regulations along with internal positions and commercial preferences
• Maintain complete and up to date records on Coupa

Relationships

• Work cross-functionally with both internal and external stakeholders to establish and maintain working relations with Absa Group
• Develop relationships with key software vendors and support continuous improvement of vendor performance.
• Valuable advice and subject matter expertise provided to internal stakeholders on software procurement matters including but not limited to:
• Ideal contracting structures including license model optimisation, implementation approaches to manage risk
• Procurement approaches for software
• Negotiation approaches and tactics for specific software suppliers based on past software procurement experience

Governance

• Procurement activities conducted in accordance with company policies and procedures, and required approvals obtained by supporting business owners.

Minimum Requirements

• Bachelor's degree in Business Administration, Supply Chain Management, Information Technology or related field.CIPS or related studies
• Minimum of 7 years' experience in procurement, with a focus on software products and services.
• Strong negotiation skills and experience negotiating software contracts with large vendors.
• End to end understanding of the technology stacks used within Enterprise organisations.
• Detailed and demonstratable
• Demonstrated ability to manage vendor relationships and drive continuous improvement in vendor performance.
• Excellent analytical and problem-solving skills, with the ability to identify opportunities for cost savings and process improvements.
• Knowledge of relevant laws and regulations related to procurement.
• Strong communication and interpersonal skills, with the ability to build relationships with internal stakeholders and external vendors.
• Demonstrated ability to manage multiple priorities and projects in a fast-paced environment.

Education

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

End Date: July 15, 2025

go to method of application »

Job Summary

• To follow the six steps of financial planning in executing the role of a FAIS licensed financial adviser.
• A professional introduction must be made to introduce the adviser and the services offered by the adviser.
• Upon client approval the adviser may conduct a Financial Needs Analysis (FNA) in the disciplines of Investment, Life Insurance and Estate planning.
• Based on the concluded FNA to make recommendations
• To address single or multiple needs identified on behalf of the client.
• Advice recommendations will must be presented under the license categories for which the adviser is accredited Absa approved product(s) that are deemed will meet the needs of the client.
• On client acceptance of all or part of the advice, the adviser is required to implement the accepted advice through Absa’s new business processes.
• The adviser must conduct regularly review of the client needs to assess continued suitability of implemented solutions.
• In these reviews, new needs may be addressed and changes to existing plans be proposed to ensure continued solutioning of client needs.
•  Adviser must continue to ensure ongoing Fit and Proper status to enable them to offer services under an Absa advice license.

Job Description

Key Accountabilities:

• Accountability: To establish and maintain a professional relationship with all stakeholders (Client, Bank personnel, product providers and Adviser Support staff)
• Participate in reciprocal leads activities and sales/pipeline meetings to identify opportunities for new or repeat business, and fully utilising Absa’s bancassurance structure.
• Assess client’s needs through use of recommended needs analysis tools, ensuring that the client is aware of the full value proposition offered by AIFA.
• Prepare recommendation and quote for appropriate risk and investment solutions based on the client’s individual needs and profile.
• Present recommendation to clients, ensuring that all FAIS regulations are followed regarding advice given.
• Follow all the steps in the designated client engagement process as specified by Absa Advisers.
• Provide regular feedback to the Regional Manager on actions taken to progress the lead to business.
• Network, on an ongoing basis, with all stakeholders in Everyday Banking (PGM’s and Regional Managers) and elsewhere by attending their meetings and social gatherings to position the Absa Advisers' value proposition to the Bank and to the clients

Accountability: Meet sales and/or growth targets

• Do activity planning by identifying the clients to be approached/contacted during a particular period in conjunction with Everyday Advice Executive.
• Using the leads information provided by the source and or Regional Manager listings, as well as leads sourced through own prospecting activities and determine the client's financial needs.
• Make exclusive use of Absa’s Financial Needs Analysis tool (Avalon from Aug 2024 onwards) to conduct a comprehensive Financial Needs Analysis for the client.
• Obtain the client's consent to access his/her existing policy information by getting him/her to sign the relevant documents to get a comprehensive view of the client's financial needs.
• Discuss various possible solutions and options available with the client and thereafter recommend the most appropriate products and or solution(s) to address financial needs.
• Generate and discuss a formal recommendation including product quote(s) for the client.
• On acceptance of part or all the advice recommendations, complete the necessary product application forms and ensure that the client signs the forms to indicate his/her consent to engage in a transaction(s).
• Gather, generate, and complete all the necessary compliance documentation (e.g., Client Advice Record, copy of ID, Financial Needs Analysis, FICA).
• Submit the proposal forms to the relevant product providers for processing.
• Ensure that the issued policy aligns to the recommended product.
• Review the client's portfolio at a minimum of once a year and contact the client based on the adviser and client agreed contact strategy to maintain a healthy client relationship.
• Provide a report back to the Regional Manager and Everyday Banking stakeholders on the strike rate (i.e., the number of leads provided that were converted to business) where applicable.
• Seek business opportunities from external sources as necessary to grow the book of business and reciprocate leads to Regional Managers and PGM’s.
• Accountability: Manage own commission earnings
• Capture the correct Policy Relevant Information (PRI) number on the Commission system.
• On a monthly basis, check the accuracy of the commission statements received from the Broker Commissions department.
• Verify that all the PRI numbers reconcile to the commission paid and reflected on the statements Keep the client database up to date by ensuring that new clients are added to the database.
• Follow up on unpaid premiums and lapses by contacting the clients to establish the reasons for the problems Manage the suspense account timeously by clearing it on the system at month end.

Accountability: Practice Management

• Ensure that staff members (Adviser Assistants) have a clear understanding of their roles and responsibilities within the adviser practice.
• Arrange for staff members to receive the relevant training (Absa programs for the Interns) e.g., systems training, product training and operational training.
• Provide coaching and mentoring to assistant(s) with regards to facilitate knowledge and skills development.
• Participate performance development (PD) discussions as required by the Absa performance management standards.
• Take the necessary corrective actions in cases of underperformance in consultation with the Regional Manager. Implement controls with regards to compliant record keeping in accordance with minimum Absa business standards (i.e. FAIS, FICA, FSB and)
• Liaise with Provincial Operations Office) with regards to maintenance of systems and equipment and provision of other services
• Complete all the required compliance exams in the specified timeframes (e.g. Anti-Money Laundering, Sanctions, BCM, Basic Financial Crime Concepts).
• Remain fit and proper as required for FAIS flagged roles.
• Provide monthly feedback to the branch, and Business Bank, regarding non-interest income (seat costs) and cross-selling opportunities
• Segment the client base according to profile, income potential and commission income.
• Engage with business development strategies with the support of the Regional Manager and our practice management subject matter experts to maximise the sustainability of the adviser practice.

Accountability: Personal Development

• Attend all the required training to attain accreditation to market Absa approved products.
• Attend all the requisite internal training (i.e FAIS-related programs/courses).
• Attain the required FAIS credits in order to attain Fit and Proper status
• Ensure that Fit and Proper status is maintained (honesty, integrity, financial solvency)

End Date: July 11, 2025

go to method of application »

Job Summary

• Reporting to the Absa Regional Operations (ARO) Treasurer, the Financial Resource Management (FRM) Head will be responsible for FRM in ARO which spans 10 subsidiaries in 9 markets across Africa.
• The FRM Head will support the execution of Absa Regional Operations (ARO) Financial Resource Management strategy by enabling effective capital allocation and balance sheet utilisation. Provide financial leadership, analytical insight, and business partnering that drives risk-return alignment, financial efficiency, and delivery against ARO and ARO RBB strategic objectives
• The FRM head will collaborate with Finance, Treasury and Risk and be responsible for assessing subsidiary performance against Group hurdles at a legal entity level. The ARO FRM Head will also be responsible for capital allocation and returns performance monitoring across ARO Retail and Business Bank (RBB).
• Job Description

Performance enablement

• Partner with business and finance leads to translate strategic objectives into resource allocation priorities, financial targets, and return hurdles.
• Enable disciplined financial decision-making through insight-led business cases, pricing recommendations, and performance analysis.
• Develop methodologies and tools to enable complete and consistent measurement of risks and returns
• Participate in performance reviews with business unit heads, providing views on financial and resource drivers of returns and alignment to FRM strategy.
• Lead development of management information for ARO Entity and ARO RBB performance by Country and Segment
• Support a culture of accountability through monitoring and reporting capital usage against allocation and performance against Business commitments / targets (RoRC; RoE; RWA use)
• Present on related FRM performance matters to the ARO/ ARO RBB FRM Committee
• Support in-country ALCOs with the appropriate management information and guidance on capital management options to improve Entity, BU and Group returns
• Ensure timely, consistent and effective engagements on FRM matters with in-country Treasuries and Finance at Country ALCOs

Strategic Forecasting & Resource Planning

• Support the delivery of BU level financial forecasts (MTP, STP, RAF) with an FRM lens—capital efficiency, liquidity impact, and balance sheet use.
• Drive structured trade-off analyses across growth, risk, and return, using analytics to support strategic resource shifts.
• Guide on capital re-allocations to support stronger ARO / ARO RBB and Group returns

Analytics and Business Partnering

• Deliver actionable analytics that inform balance sheet and financial resource tilt, aligned to FRM objectives.
• Consolidate and interpret performance data across products, customer segments, and business units to guide commercial strategy
• Maintain oversight of FRM-related risks, including pricing policy exceptions, below-hurdle approvals, and financial resource consumption risks.
• Collaborate with Treasury, Risk and Finance to ensure capital plans and financial forecasts align with internal risk appetite and regulatory requirements.

Competencies

• Financial Resource and Treasury subject-matter- expertise in large commercial banking groups
• Regulatory capital subject-matter expertise and deep experience of driving effective capital allocation and investor returns growth strategies
• Sound Investor and commercial investment evaluation expertise
• Proficiency in data analysis tools (Excel, Power BI, Financial reporting systems)
• Banking regulation (Expert)
• Writing & reporting (Advanced)
• Presentation skills (Advanced)
• Understanding of systems used (Advanced)
• Excellent planning and organisational skills (Advanced)
• Excellent communication skills (Advanced)
• Relationship management and networking (Advanced)
• Strong performance management and coaching skills (Advanced)
• Ability to think creatively (Advanced)
• Ability to react positively under pressure (Advanced)
• Good understanding of the policies and strategies (Advanced)
• Understanding of Banking operating structures (Advanced)
• Change management (Advanced)

Education And Experience Required

• Minimum B-degree (NQF level no.7) Desired Post Graduate Degree (NQF level no.8+), and Advanced Diplomas: Business, Commerce and Management Studies
• 5+ years professional financial management experience
• Preferred team lead in a Treasury or Finance Function teams or in professional environments
• Experience in business transformation contexts related to business growth
• Experienced in Senior Management and Committee management
• Broad Finance including strategic, commercial, legal, risk and operational aspects
• Ability to build, develop & lead professional level teams
• Understanding of the financial services sector within a professional business environment
• Knowledge of people change management

Education

• Bachelor's Degree: Accounting

End Date: July 16, 2025 

go to method of application »

Job Summary

• To provide strategic, operational, and people leadership in the management and administration of trusts across all national branches, ensuring compliance with fiduciary obligations, delivering superior client service, ensuring sound financial and risk oversight, and driving operational efficiency and service innovation.

Job Description

Key Responsibilities and Accountabilities

Strategic and Operational Leadership

• Develop and execute the national Trust Administration strategy.
• Ensure alignment with the overall Trust Services and Beneficiary Fund business strategy.
• Keep abreast of knowledge and skills relevant to the fiduciary industry and support all branches with adoption and alignment.
• Ensure a streamlined and standardized approach to the way of working or processes across all Trust Services branches.
• Be the key point of contact for all support functions and coordinate all related activities or projects in liaison with 1LoD and 2LoD on behalf of Trust Services.
• Plan, execute and monitor progress on each support team’s annual strategies working closely with Trust Services MANCO.
• To be responsible for the Reputation Forum Meetings on behalf of Absa Trust (Wills, Estates, Trust and Beneficiary Fund), which includes planning, reporting and setting up of meetings. Furthermore, managing all risk issues and managing PI claims.
• Play an active and leading role in all trust systems development or enhancements projects in liaison with IT and other related clusters such as Change Management team and Value Optimization Forums or Committees.
• Manage all Associated Parties and Introducers contracts and performance evaluations in Trust Services.
• Manage and exercise oversight into outsourced services in line with the Trust Services strategy and report to MANCO monthly.

Trust Administration Management

• Oversee the end-to-end administration of trusts in accordance with legal, regulatory, and fiduciary requirements.
• Ensure consistent application of best practices and procedures across all branches.
• Evaluate New To Bank (NTB) and Stock trusts for correctness, feasibility and potential risks (compliance, legal, reputational etc.).
• Ensure that all files have been correctly captured on the trust system by the trust officers and that all assets have been accounted for by doing frequent reviews and testing.
• Review each product frequently and identify nonviable trusts and exit relationships in collaboration with Regional Managers.
• Ensure that Annual Reviews are implemented across branches by performing monthly reviews or tests per trust officers, working closely with the trust administration management team.
• Actively participate in the annual reviews of trust fixed properties to ensure that transfer costs provisions are made, renovations, maintenance and general construction to mitigate the financial risk due to operational losses.
• Support the business in driving yearend financial statements finalization and distribution annually.
• Support the branch management teams by assessing trust officer performance using the monthly Measures of Success.
• Assess and evaluate timely the adherence to processes and policies by branches in their execution of duties.
• Assess and evaluate randomly that month end reports are done by all branches (Trust Officers).

Client Service and Relationship Management

• Lead a client-focused service culture across the business (inter-branch).
• Support the team in ensuring that all complaints and queries are answered within stipulated timelines.
• Support the business in liaison with the Dispute and Resolution team to manage and reduce complaints.
• Support the business with a streamlined process to record all compliments and complaints and ensure that compliments are also reported monthly.
• Spot check of daily incoming and outgoing emails and telephone communications with the clients to assess the level and standard of service delivery.
• Drive initiatives to assess and evaluate each trust officer’s level of client service monthly by implementing surveys or related interventions to improve customer satisfaction levels.

Compliance, Risk, and Regulatory Oversight

• Ensure compliance with all statutory and regulatory frameworks governing trust administration.
• Identify and mitigate operational, compliance and legal risks.
• Evaluate and assess the submission of the IT12TR annual returns and other submissions such as Provisional tax, IT3(b), IT3(t), etc. in liaison with Associated Parties and Group Tax to ensure compliance with the tax regulator (SARS).
• Track and evaluate the finalization of financial statements (system generated with IT and outsourced statements with Associated Parties).
• Track all tax related projects. Manage and evaluate the performance of Associated Parties who are handling outsourced services such as tax submissions and financial statements.
• Keep abreast with the regulatory changes in the industry and ensure compliance (Master of the High Court, South African Revenue Authority, Prudential Authority, Financial Sector Conduct Authority, Fiduciary Institute of Southern Africa, Financial Intelligence Centre etc.).
• Ensure that Trust Services comply with the Trust Property Control Act as amended from time to time.
• Work closely with 1LoD and 2LoD of all support functions to ensure that business is strategically positioned to proactively meet all the regulatory requirements and Group Standards.
• Implement initiatives to mitigate all risks and related operational losses.
• Drive and coordinate all reviews, audits, regulatory site visits and other related projects such as annual audits, FAIS Section 19(3) annual review, Pension Fund Section 13(b) etc.
• Ensure adherence to business processes and control practices for the team members
• Ensure that the processes that impact business are mapped and understood by all team members.
• Own and agree corrective action items with the Internal Audit and Management Assurance for items related to Trust Services. Ensure that a zero-tolerance approach to audit findings is understood by the team and arrange issue assurance for closed audit findings.
• Complete required compliance attestation and ensure that the team also completes the required attestations.
• Ensure that the team members understand all compliance requirements and escalate to the General Manager to request the area Compliance Officer to conduct briefing sessions if gaps are identified.
• Evaluate and assess compliance with mandatory training for employees.

Financial Management and Reconciliations

• Oversee trust account reconciliations, financial reporting, and trust distributions.
• Develop a streamlined or automated process for daily bank reconciliations.
• Ensure accurate, timely, and compliant financial reporting.
• Perform random deep dives to reconcile fees per product between the trust system and SAP.
• Design and develop streamlined investment and payment processes and manage all stakeholders’ relationships.

Reporting and Management Information

• Compile and present operational, financial, and risk reports to the General Manager or Trust Services MANCO.
• Provide insights and recommendations on operational performance and compliance status of the business.

Project Management and Operational Improvement

• Lead-trust related projects, including system and process enhancements.
• Drive continuous operational efficiency and service delivery improvements. Work with trust managers and

People Leadership and Development

• Lead, coach, and develop a high-performing trust administration team.
• Manage performance, career development, and succession planning.
• Create a suitable and a conducive atmosphere in terms of leadership skills by coaching and mentoring the Trust Officers thus ensuring that they meet the required organizational expectations.
• Approve leave requests for direct subordinates and ensure that leave planning is effective.
• Ensure that all poor performance is addressed through the ABSA Back on Track programme and that continued poor performance is adequately dealt with.
• Motivate employees in the department and ensure that their efforts are recognized.
• Participate in the overall Trust Services recognition program.
• Identify training needs within the department and ensure that all the staff are trained on the training needs identified.

Stakeholder Management

• Build and maintain strong relationships with internal and external stakeholders, including regulators, clients, trustees, and service providers.

Qualifications and Experience

Minimum Qualifications

• National Certificate or Diploma in Risk Management, Commerce, Law, or relevant financial discipline.
• Bachelor's Degree in Law, Commerce, Risk Management, or a relevant financial discipline.

Experience

• Minimum of 2 years’ experience in the fiduciary services, with at least two years' experience in oversight of multiple teams.
• Strong experience in managing multi-branch or business units’ fiduciary operations.
• Extensive knowledge of fiduciary legislation, financial management, and regulatory frameworks.
• Strategic and operational leadership

Key Competencies

• Client service orientation
• Risk and compliance management
• People leadership and team development
• Decision making and problem solving
• Project management
• Communication and stakeholder management

Education

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

End Date: July 16, 2025