Absa Group Limited (Absa) has forged a new way of getting things done, driven by bravery and passion, with the readiness to realise the possibilities on our continent and beyond.
Job Summary
- We are looking for a high-performing, experienced Financial Adviser who is FAIS Fit & Proper compliant to join our dynamic and results-driven environment. This role is designed for a seasoned professional with a proven track record in financial services, who is ready to maximise earnings through a fully commission-driven model
Job Description
Job Description
Key Responsibilities
- Provide expert, holistic financial planning and advisory services
- Manage and grow an existing client portfolio (if applicable)
- Proactively source and convert new business opportunities
- Deliver tailored investment, risk, and insurance solutions
- Maintain long-term client relationships through exceptional service
- Ensure full compliance with FAIS and regulatory requirements
- Stay informed on market trends and product developments
Minimum Requirements
- Fully FAIS Fit & Proper compliant (non-negotiable)
- RE5 certification (essential)
- Minimum 3–5+ years’ experience as a Financial Adviser or in a similar advisory role
- Proven track record of meeting or exceeding sales targets
- Established client base (advantageous)
- Strong business development and networking capability
- Excellent communication, negotiation, and closing skills
- Own reliable transport
What We Offer
- Uncapped commission structure with high earning potential
- Access to leading financial products and solutions
- Administrative and advisory support
- Ongoing professional development and technical training
- Autonomy and flexibility to manage your practice
- Opportunity to scale and build a sustainable advisory business
Ideal Candidate
- You are a driven, entrepreneurial professional with a passion for client success, a strong sales mindset, and the ability to thrive in a performance-based environment. You’re looking for a platform that rewards your expertise, effort, and ambition.
Education
- Further Education and Training Certificate (FETC): Business, Commerce and Management Studies (Required)
End Date: November 5, 2026
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Job Summary
- We are looking for a high-performing, experienced Financial Adviser who is FAIS Fit & Proper compliant to join our dynamic and results-driven environment. This role is designed for a seasoned professional with a proven track record in financial services, who is ready to maximise earnings through a fully commission-driven model
Job Description
Job Description
Key Responsibilities
- Provide expert, holistic financial planning and advisory services
- Manage and grow an existing client portfolio (if applicable)
- Proactively source and convert new business opportunities
- Deliver tailored investment, risk, and insurance solutions
- Maintain long-term client relationships through exceptional service
- Ensure full compliance with FAIS and regulatory requirements
- Stay informed on market trends and product developments
Minimum Requirements
- Fully FAIS Fit & Proper compliant (non-negotiable)
- RE5 certification (essential)
- Minimum 3–5+ years’ experience as a Financial Adviser or in a similar advisory role
- Proven track record of meeting or exceeding sales targets
- Established client base (advantageous)
- Strong business development and networking capability
- Excellent communication, negotiation, and closing skills
- Own reliable transport
What We Offer
- Uncapped commission structure with high earning potential
- Access to leading financial products and solutions
- Administrative and advisory support
- Ongoing professional development and technical training
- Autonomy and flexibility to manage your practice
- Opportunity to scale and build a sustainable advisory business
Ideal Candidate
- You are a driven, entrepreneurial professional with a passion for client success, a strong sales mindset, and the ability to thrive in a performance-based environment. You’re looking for a platform that rewards your expertise, effort, and ambition.
Education
- Further Education and Training Certificate (FETC): Business, Commerce and Management Studies (Required)
End Date: November 6, 2026
go to method of application »
Job Summary
- We are looking for a high-performing, experienced Financial Adviser who is FAIS Fit & Proper compliant to join our dynamic and results-driven environment. This role is designed for a seasoned professional with a proven track record in financial services, who is ready to maximise earnings through a fully commission-driven model
Job Description
Job Description
Key Responsibilities
- Provide expert, holistic financial planning and advisory services
- Manage and grow an existing client portfolio (if applicable)
- Proactively source and convert new business opportunities
- Deliver tailored investment, risk, and insurance solutions
- Maintain long-term client relationships through exceptional service
- Ensure full compliance with FAIS and regulatory requirements
- Stay informed on market trends and product developments
Minimum Requirements
- Fully FAIS Fit & Proper compliant (non-negotiable)
- RE5 certification (essential)
- Minimum 3–5+ years’ experience as a Financial Adviser or in a similar advisory role
- Proven track record of meeting or exceeding sales targets
- Established client base (advantageous)
- Strong business development and networking capability
- Excellent communication, negotiation, and closing skills
- Own reliable transport
What We Offer
- Uncapped commission structure with high earning potential
- Access to leading financial products and solutions
- Administrative and advisory support
- Ongoing professional development and technical training
- Autonomy and flexibility to manage your practice
- Opportunity to scale and build a sustainable advisory business
Ideal Candidate
- You are a driven, entrepreneurial professional with a passion for client success, a strong sales mindset, and the ability to thrive in a performance-based environment. You’re looking for a platform that rewards your expertise, effort, and ambition.
Education
- Further Education and Training Certificate (FETC): Business, Commerce and Management Studies (Required)
End Date: October 30, 2026
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Job Summary
- To grow the Absa customer base through acquisition and increased customer profitability of the identified portfolio. Gain new customers and increase port folios of current customers through proactive attraction, cross selling, retention and contributing towards the achievement of the branch’s sales targets.
Job Description
- Financial Goals Business Risk Customer Satisfaction Colleague Support
Education
- Further Education and Training Certificate (FETC)
End Date: October 30, 2026
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Job Summary
- Ensure that CIB’s Salesforce estate evolves as a secure, scalable, connected and sustainable enterprise platform. The role ensures that individual solutions meet immediate business needs without compromising the long-term integrity of the Salesforce ecosystem, while driving reuse, standardisation and appropriate adoption of native Salesforce and Financial Services Cloud capabilities across CIB’s Pan-African footprint.
Job Description
What if your next Salesforce architecture didn't just transform a CRM, but helped reinvent how a Corporate & Investment Bank engages its clients?
One Client | One Connected View | One CIB
- We are looking for an exceptional Salesforce Solution & Org Architect to help architect something ambitious: the next generation of client engagement for Absa CIB.
- We are evolving Salesforce beyond traditional CRM into a connected client engagement ecosystem, designed to put the client at the centre of intelligence, relationships, opportunities, marketing, service and execution. Our ambition is to move from fragmented and product-led engagement toward a truly client-led banking model.
This is your architecture canvas:
- Our transformation brings together Financial Services Cloud, Sales Cloud, Service Cloud, Marketing Cloud Next, analytics, enterprise data and advanced AI into a more connected ecosystem. The architecture mandate spans CIB businesses and countries across a Pan-African footprint.
- The opportunity is to establish the blueprints, patterns and architecture guardrails for a Salesforce platform that is secure, scalable, reusable and sustainable, while integrating effectively with enterprise platforms and authoritative data sources.
Your mission:
You will provide architecture leadership across three connected disciplines: Solution Architecture, Org Architecture and Architecture Leadership.
You will translate complex CIB business and technology requirements into end-to-end solution architectures while protecting the long-term integrity, scalability and sustainability of the Salesforce platform and its relationship with the wider enterprise architecture.
- Shape the target Salesforce architecture for a client-led Pan-African CIB.
- Apply deep Financial Services Cloud architecture and data-model expertise, not merely Salesforce configuration.
- Determine how Salesforce should interact with enterprise applications, platforms and authoritative data sources.
- Lead architecture decisions spanning data, integration, security, identity, automation, AI and custom development.
- Challenge unnecessary customisation and champion native Salesforce capability where it creates the stronger long-term architecture.
- Guide Feature Teams, developers, technical leads, platform engineers and delivery partners.
We're especially interested in you if...
You are already a serious Salesforce architect, but you're looking for a problem bigger than another implementation. You understand the difference between implementing Salesforce and architecting an enterprise Salesforce ecosystem.
You bring strong practical experience across complex Salesforce estates and can move comfortably between platform architecture, data architecture, integration, security, identity, org strategy and enterprise architecture.
- 10+ years' experience working across Salesforce platforms and enterprise technology environments.
- Proven experience designing and delivering Salesforce solutions across multiple business domains and large-scale programmes.
- Experience architecting integrations with enterprise applications, data platforms and identity/security ecosystems.
- Deep hands-on Salesforce architecture experience ideally including Financial Services Cloud.
- Architecture leadership across complex, integrated and highly governed enterprise environments.
- Strong judgement on native capability, configuration, extension and customisation trade-offs.
- Experience establishing reusable patterns, standards and architecture governance.
- Proven architecture leadership and enterprise delivery experience remain essential.
- Experience in Corporate & Investment Banking, institutional banking, wholesale banking, markets, transaction banking or complex B2B financial services is highly desirable.
- Experience serving as the accountable architecture authority for a Salesforce platform, including ownership of target-state architecture, architecture roadmaps, technology standards and platform evolution.
Salesforce Certifications
Preferred
- Salesforce Application Architect
- Salesforce System Architect
- Salesforce Certified Data Architect
- Salesforce Integration Architect
Highly Advantageous
- Salesforce Certified Technical Architect (CTA)
If you are a Salesforce FSC architect with deep enterprise architecture capability and CIB experience, and the idea of building the next generation of intelligent, client-led CRM excites you more than maintaining yesterday's architecture, we want to meet you.
Education
- Master's Degree: Information Technology
End Date: October 28, 2026
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Job Summary
- To provide needs-based financial advice, sales, and service to individual retail banking customers, enabling them to meet their personal financial goals while ensuring compliance with FAIS, Treating Customers Fairly (TCF), and bank risk frameworks.
Job Description
Key Responsibilities
- Proactively acquire customers and deliver sales against agreed targets.
- Deliver efficient and professional customer service and resolve queries across all touchpoints.
- Support lead generation and simplex activities to contribute to branch growth.
- Action and conversion of quality leads and campaigns; maintain pipeline hygiene and accurate reporting.
- Execute DHA and MVNO offerings precisely and securely, meeting service levels and audit requirements.
- Champion digital and self-service adoption including customer education to reduce assisted transactions.
- Operate flexibly across diverse branch formats and customer segments.
- Deliver first‑time‑right customer outcomes and uphold service excellence.
- Apply governance, risk and compliance standards (incl. FAIS, AML/CFT, TCF, POPIA) in every interaction.
- Collaborate within the team and contribute to a continuous improvement of performance culture.
- Deliver a consistently exceptional in-branch customer experience by proactively welcoming, guiding, and supporting customers, while promoting efficient service, alternative banking channels, and upholding Absa’s service standards, image, and brand in a safe, professional, and well‑managed branch environment.
ACCOUNTABILITIES
Customer Advisory & Sales
- Conduct comprehensive personal financial needs analyses
- Provide advice and sell approved retail banking products (transactional accounts, savings, lending, credit, insurance, investments as applicable)
- Explain product features, benefits, risks, and costs clearly
- Achieve individual sales, growth, and cross-sell targets
Customer Relationship Management
- Build and maintain long-term relationships with assigned customers
- Proactively manage customer portfolios to retain and grow value
- Conduct regular portfolio reviews and engagement follow-ups
Customer Experience & Service
- Deliver a professional, consistent, and personalised customer experience through welcoming, guiding, and supporting customers, while promoting efficient service, alternative banking channels
- Uphold Absa’s service standards, image, and brand in a safe, professional, and well‑managed branch environment.
- Resolve customer queries and manage escalations effectively
- Support digital adoption and financial education initiatives
Compliance, Risk & Governance
- Operate in accordance with FAIS, FICA, AML, and internal risk policies
- Maintain accurate advice records, documentation, and disclosures
- Complete regulatory training and CPD requirements
- Identify and escalate conduct or operational risks
Education
- Further Education and Training Certificate (FETC): Banking, Further Education and Training Certificate (FETC): Finance
End Date: October 30, 2026
go to method of application »
Job Summary
- To provide needs-based financial advice, sales, and service to individual retail banking customers, enabling them to meet their personal financial goals while ensuring compliance with FAIS, Treating Customers Fairly (TCF), and bank risk frameworks.
Job Description
Key Responsibilities
- Proactively acquire customers and deliver sales against agreed targets.
- Deliver efficient and professional customer service and resolve queries across all touchpoints.
- Support lead generation and simplex activities to contribute to branch growth.
- Action and conversion of quality leads and campaigns; maintain pipeline hygiene and accurate reporting.
- Execute DHA and MVNO offerings precisely and securely, meeting service levels and audit requirements.
- Champion digital and self-service adoption including customer education to reduce assisted transactions.
- Operate flexibly across diverse branch formats and customer segments.
- Deliver first‑time‑right customer outcomes and uphold service excellence.
- Apply governance, risk and compliance standards (incl. FAIS, AML/CFT, TCF, POPIA) in every interaction.
- Collaborate within the team and contribute to a continuous improvement of performance culture.
- Deliver a consistently exceptional in-branch customer experience by proactively welcoming, guiding, and supporting customers, while promoting efficient service, alternative banking channels, and upholding Absa’s service standards, image, and brand in a safe, professional, and well‑managed branch environment.
ACCOUNTABILITIES
Customer Advisory & Sales
- Conduct comprehensive personal financial needs analyses
- Provide advice and sell approved retail banking products (transactional accounts, savings, lending, credit, insurance, investments as applicable)
- Explain product features, benefits, risks, and costs clearly
- Achieve individual sales, growth, and cross-sell targets
Customer Relationship Management
- Build and maintain long-term relationships with assigned customers
- Proactively manage customer portfolios to retain and grow value
- Conduct regular portfolio reviews and engagement follow-ups
Customer Experience & Service
- Deliver a professional, consistent, and personalised customer experience through welcoming, guiding, and supporting customers, while promoting efficient service, alternative banking channels
- Uphold Absa’s service standards, image, and brand in a safe, professional, and well‑managed branch environment.
- Resolve customer queries and manage escalations effectively
- Support digital adoption and financial education initiatives
Compliance, Risk & Governance
- Operate in accordance with FAIS, FICA, AML, and internal risk policies
- Maintain accurate advice records, documentation, and disclosures
- Complete regulatory training and CPD requirements
- Identify and escalate conduct or operational risks
Education
- Further Education and Training Certificate (FETC): Banking, Further Education and Training Certificate (FETC): Finance
End Date: October 30, 2026
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Job Summary
- We are seeking an experienced and results-driven Relationship Executive: Public Sector to join our Business Banking team at Emalahleni. This is a strategic client-facing role responsible for optimizing the profitability, growth, and economic value of a portfolio of complex Public Sector clients through proactive client acquisition, portfolio expansion, and exceptional relationship management. Please note: Proven Public Sector banking experience is an absolute prerequisite for this role. Candidates without substantial Public Sector relationship banking experience will unfortunately not be considered. Essential role requirements include the following:
- Extensive experience in Relationship Banking within the Public Sector environment
- Demonstrated track record of managing and growing Public Sector client portfolios
- Proven experience originating new business and delivering revenue growth
- Strong commercial acumen and solution-selling capability
- Experience managing complex banking requirements for large institutional or government clients
- Relevant Commerce, Finance, Business, or related qualification
Job Description
- Drive Financial Targets: Maintain primary ownership of a portfolio of Growth Account clients, differentiated by the level of complexity of the client base
- Relationship and Service Management: Actively develop strong client relationships. Conduct regular client visits in accordance with the Commercial Growth Account Value Proposition and initiate changes to ABB Product by providing input into product development to better service our clients
- Manage Risk Assessment: Adhere to the bank's policies and procedures and ensure compliance. Take ultimate ownership of the portfolio's risk management by ensuring a good understanding of both the Bank's and the clients regulatory and compliance environments.
- Collaboration: Constantly seek to improve ways of working by challenging the status quo and supporting an empowering climate within the team, sharing knowledge, experience, best practice and providing constructive feedback as required.
Education
- National Diplomas and Advanced Certificates: Business, Commerce and Management Studies
End Date: November 1, 2026
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Job Summary
- We are looking for a Settlements Manager to take ownership of the end-to-end settlements operation for Asset and Investor Services (AIS), ensuring every transaction is processed accurately, efficiently and within agreed service standards. In this role you will also lead the execution, monitoring, verification and authorisation of operational transactions, maintaining clear accountability and strong operational discipline
Job Description
Your key accountabilities will include the following;
- Safeguard timely settlement by ensuring transactions meet all market, regulatory and internal cut-off times.
- Optimise team capacity through effective workload allocation, resource planning and business continuity management.
- Champion operational excellence by identifying and delivering opportunities for process optimisation, automation and sustainable efficiency gains.
- Use key performance indicators and management information to monitor results, identify trends and drive timely corrective action.
- Embed consistent adherence to operating procedures, quality standards and control requirements across the settlements function.
- Provide decisive leadership in resolving operational incidents, client queries and escalations, protecting service quality and stakeholder confidence.
- Maintain fit-for-purpose procedures, process documentation and control frameworks that support effective governance and audit readiness.
- Contribute operational insight to the review and enhancement of policies, procedures and governance standards.
- Ensure operational records and supporting documentation are accurate, secure, accessible and retained in line with applicable requirements.
- Drive disciplined completion and evidence of all daily, weekly and monthly operational controls and checklists.
- Deliver clear, insightful reporting on operational performance, emerging risks and key management information to support informed decision-making.
Send in your CV if you have the above experience as well as the below mentioned;
- A relevant diploma or NQF Level 6.
- 5 years’ or more experience in custody operations, with strong knowledge of settlements and operational controls.
- Sound knowledge of relevant regulatory and statutory requirements, including South African Reserve Bank and Strate rules.
- A thorough understanding of custody and settlements processes, transaction lifecycles and associated operational risks.
- Proven experience in a customer-facing environment, with the judgement and communication skills to manage complex queries and senior stakeholder expectations.
Education
- Bachelor`s Degrees and Advanced Diplomas: Business, Commerce and Management Studies (Required)
End Date: October 28, 2026
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Job Summary
- Lead the agile solution design, deployment & ongoing optimization & evolution of enterprise wide technology products and services (full stack engineering & ownership / control) in low complexity environments.
Job Description
- The Head of Engineering – Commercial Payments is accountable for the end-to-end engineering strategy, architecture, design, development, delivery, reliability and continuous improvement of Commercial Payments technology products and platforms.
- The role provides strategic and technical leadership across the commercial payments value chain, including merchant acquiring, point-of-sale (POS), SoftPOS, e-commerce payment gateways, QR payments, digital wallets, payment switching, transaction processing, merchant onboarding and servicing, settlement, reconciliation and associated integration services.
- Working in partnership with the CIO, business product owners, enterprise architecture, infrastructure, cybersecurity, risk and other technology functions, the incumbent will translate business strategy into scalable, secure and resilient engineering solutions that support revenue growth, operational efficiency, regulatory compliance and superior merchant experiences.
- The successful candidate will be accountable for the full technology lifecycle, from solution ideation and architecture through engineering, testing, deployment, production support and ongoing optimisation. The role will drive engineering excellence through modern software engineering practices, automation, DevSecOps, cloud and platform modernisation, data-driven operational management and the responsible adoption of AI-enabled engineering capabilities.
- The incumbent will lead multidisciplinary engineering and business analysis teams, build sustainable technical capability, manage strategic technology vendors and ensure that Commercial Payments technology remains fit for purpose, resilient, cost-effective and aligned with Absa’s long-term technology strategy.
Job Description
Engineering Strategy and Technology Leadership
- Define and execute the Commercial Payments engineering strategy, aligned to the CIO’s strategic direction, business objectives and Group Technology standards.
- Translate business priorities into an executable engineering roadmap covering platform modernisation, digital payment capabilities, technical debt reduction, resilience, scalability and innovation.
- Provide end-to-end engineering leadership across the commercial payments technology value chain, ensuring alignment between business requirements, solution architecture, development, integration, infrastructure and operational support.
- Act as the principal technology and engineering partner to senior business stakeholders and product owners, providing clear advice on technical options, trade-offs, feasibility, cost-to-value and delivery implications.
- Establish a clear target-state architecture and phased modernisation roadmap that balances immediate business needs with long-term strategic technology outcomes.
- Drive engineering decisions that improve payment acceptance, transaction processing performance, merchant experience, operational efficiency and commercial growth.
- Ensure that technology investment decisions are supported by measurable business outcomes, engineering benefits, risk assessments and total cost of ownership.
- Represent Commercial Payments engineering in relevant technology, architecture, risk, governance and business prioritisation forums.
Solution Architecture and Engineering Design
- Lead the design and implementation of end-to-end payment solutions across front-end channels, payment gateways, switching platforms, integration layers, APIs, data services and back-end processing systems.
- Ensure that solution designs are secure, scalable, highly available, resilient, supportable and aligned with enterprise architecture principles and technology standards.
- Provide technical oversight across payment platforms and services, including card transaction processing, merchant acquiring, e-commerce, POS, SoftPOS, QR payments, digital wallets, settlement and reconciliation.
- Guide architecture decisions relating to API-led integration, event-driven architecture, real-time processing, cloud adoption, containerisation, distributed systems and modern application design.
- Ensure that solutions are designed for high transaction throughput, low latency, fault tolerance, recoverability and predictable performance under peak transaction volumes.
- Establish and maintain engineering design standards, reusable components, reference architectures, integration patterns and technical documentation.
- Ensure appropriate consideration of non-functional requirements, including security, performance, capacity, availability, maintainability, observability and disaster recovery.
- Partner with Group Architecture, Infrastructure, Cybersecurity and other technology functions to ensure solutions align with enterprise standards while addressing the specific requirements of payment processing.
- Challenge unnecessary complexity, technology duplication and point solutions that increase long-term operational cost or create architectural fragmentation.
- Ensure that technical debt is identified, prioritised and addressed through a managed engineering improvement roadmap.
Software Engineering, DevSecOps and Engineering Excellence
- Establish and continuously improve engineering practices across development teams, ensuring consistent standards for software design, coding, testing, security, deployment and maintenance.
- Drive the adoption of modern software engineering principles, including domain-driven design where appropriate, modular architecture, API-first development, asynchronous processing and reusable services.
- Implement and optimise CI/CD pipelines, automated testing frameworks, infrastructure as code, automated security controls and standardised release processes.
- Promote automation-first engineering, reducing manual deployment activities, operational interventions, repetitive tasks and avoidable human error.
- Embed security by design through secure coding standards, code reviews, vulnerability management, dependency controls and automated security testing throughout the software development lifecycle.
- Ensure effective engineering quality controls through unit testing, integration testing, regression testing, performance testing, end-to-end testing and production verification.
- Drive consistent engineering standards across teams, including source control, branching strategies, code quality, release management, environment management and technical documentation.
- Establish clear accountability for code quality, application maintainability, defect prevention, engineering productivity and production readiness.
- Introduce appropriate engineering metrics to measure delivery performance, deployment frequency, change failure rate, recovery time, defect leakage and service reliability.
- Encourage experimentation, technical learning and continuous improvement while maintaining the governance and control standards required in a regulated financial services environment.
Payment Platform Modernisation and Transformation
- Lead the engineering execution of Commercial Payments modernisation initiatives, including legacy platform evolution, integration simplification, infrastructure optimisation and the adoption of modern payment technologies.
- Develop and execute phased modernisation plans that reduce technical risk and operational complexity without compromising transaction processing continuity.
- Drive the evolution of payment switching, gateway, merchant acceptance and transaction-processing capabilities to support new products, channels, partners and business models.
- Enable the integration of fintechs, payment service providers, merchants and strategic partners through secure, scalable and well-governed APIs and integration services.
- Partner with business and transformation leaders to translate strategic programmes into engineering deliverables, technical milestones, release plans and measurable business outcomes.
- Ensure that proof-of-concept and pilot solutions are engineered for enterprise-scale deployment, with appropriate architecture, operational support, security, monitoring and cost controls.
- Drive rationalisation of legacy applications, redundant services and overlapping technology capabilities where there is a clear business and technical case.
- Ensure that new capabilities transition successfully into sustainable production services, with defined ownership, support models, service levels and operational controls.
- Support the adoption of real-time payment capabilities, digital acceptance channels, tokenisation, payment orchestration and other emerging capabilities aligned to the Commercial Payments strategy.
- Drive responsible adoption of AI and intelligent automation to improve software delivery, engineering productivity, incident investigation, operational monitoring and merchant servicing.
Production Engineering, Reliability and Service Management
- Own the engineering accountability for the availability, stability, performance, recoverability and technical integrity of Commercial Payments applications and platforms.
- Establish proactive engineering practices to identify and address production risks before they result in material customer, merchant or business impact.
- Ensure effective management of major incidents, problem management, root-cause analysis, capacity planning, performance optimisation and recurring defect elimination.
- Drive the implementation of comprehensive monitoring, alerting, observability and service-health capabilities across payment platforms and their critical dependencies.
- Ensure that monitoring covers transaction processing, system availability, infrastructure health, integration connectivity, transaction flows and end-to-end payment outcomes.
- Establish and maintain appropriate service-level objectives, availability targets, recovery objectives and operational performance measures.
- Ensure robust disaster recovery, business continuity, resilience testing and recovery procedures for critical payment services.
- Partner with infrastructure, network, cybersecurity, operations and service management teams to maintain end-to-end service reliability and clear operational accountability.
- Lead engineering remediation following major incidents, ensuring that corrective actions address underlying technical and control weaknesses rather than only immediate symptoms.
- Drive operational automation, self-healing capabilities and preventative maintenance to reduce manual intervention, avoidable incidents and operational expenditure.
- Ensure that production changes are supported by appropriate impact assessments, testing evidence, implementation plans, rollback procedures and post-implementation verification.
Agile Delivery and Engineering Execution
- Own engineering delivery across assigned products and services, balancing strategic change initiatives with production support, maintenance, mandatory changes and technical debt reduction.
- Work with the CIO, business product owners and delivery leaders to prioritise the engineering backlog based on business value, risk, regulatory obligations, capacity and technical dependencies.
- Ensure that engineering teams translate product requirements into clear technical specifications, delivery estimates, dependencies, acceptance criteria and release plans.
- Lead multidisciplinary teams comprising software engineers, technical leads, architects, business analysts, testers and other relevant specialists.
- Embed fit-for-purpose Agile delivery practices, including sprint planning, backlog refinement, reviews, retrospectives and continuous improvement.
- Ensure that delivery commitments are realistic, transparent and supported by appropriate resource capacity, technical readiness and risk management.
- Proactively manage dependencies across business, technology, architecture, infrastructure, cybersecurity, risk, vendors and external payment partners.
- Maintain visibility of delivery progress, impediments, risks, costs, quality and expected outcomes through meaningful engineering and delivery reporting.
- Ensure effective release management and change governance to minimise customer impact and production risk.
- Drive a culture of accountability for delivery outcomes, engineering quality and sustainable execution rather than activity-based reporting alone.
People Leadership and Engineering Capability Development
- Lead, develop and retain a high-performing engineering organisation with the skills and capabilities required to deliver the Commercial Payments technology strategy.
- Set and communicate clear engineering direction, technical standards, performance expectations and accountability across teams and individual contributors.
- Attract and develop engineering talent across software development, solution design, integration, testing, platform engineering, DevOps, production engineering and business analysis.
- Build strong technical leadership within squads through empowered engineering leads, senior developers, architects and subject-matter experts.
- Coach and mentor senior engineers and technical leads, strengthening technical judgement, architecture capability, problem-solving and engineering ownership.
- Establish clear career development pathways, technical competency frameworks, succession plans and knowledge-transfer practices.
- Ensure appropriate resource allocation across business-as-usual support, strategic change, platform modernisation and mandatory regulatory or scheme-related initiatives.
- Build a collaborative, inclusive and performance-driven environment that encourages constructive challenge, knowledge sharing and continuous learning.
- Proactively manage performance, capability gaps, critical vacancies, retention risks and single points of technical failure.
- Develop sustainable engineering capacity through appropriate workforce planning, skills development, vendor utilisation and knowledge retention.
- Foster a culture in which teams take accountability for the complete lifecycle of the solutions they build, including their ongoing support, reliability and continuous improvement.
Financial, Commercial and Vendor Management
- Manage engineering budgets, resource expenditure, technology investment and vendor costs within agreed financial parameters.
- Ensure that engineering investment decisions are supported by clear business cases, cost-to-value assessments, measurable benefits and sustainable operating models.
- Drive optimisation of technology costs across software licensing, infrastructure, cloud consumption, vendor services, development capacity and production support.
- Lead or contribute to technology vendor selection, technical due diligence, solution evaluations, commercial negotiations and contract governance.
- Hold strategic technology vendors accountable for service quality, engineering standards, delivery commitments, contractual obligations and agreed service levels.
- Ensure that vendor solutions are appropriately integrated into Absa’s architecture, security, operational support and risk management frameworks.
- Reduce unnecessary vendor dependency and technology lock-in through appropriate architecture, internal capability development, documentation and knowledge transfer.
- Maintain clear visibility of total cost of ownership, technology lifecycle costs, renewal obligations and material commercial risks.
- Ensure that engineering delivery and operational commitments are managed within approved budgets and agreed priorities, escalating material deviations and trade-offs transparently.
Risk, Governance, Security and Regulatory Compliance
- Maintain end-to-end accountability for engineering-related technology risks, ensuring that risks are identified, assessed, documented, mitigated and escalated appropriately.
- Ensure that engineering solutions comply with applicable Absa policies, Group Technology standards, information security requirements and regulatory obligations.
- Embed risk management and control requirements throughout the solution lifecycle, from ideation and architecture through development, testing, deployment and production support.
- Ensure compliance with applicable PCI DSS requirements, card scheme mandates, payment security standards, data protection requirements and relevant regulatory obligations.
- Partner with Cybersecurity, Enterprise Risk, Compliance, Fraud, Architecture and other control functions to address risks associated with payment processing and digital payment services.
- Ensure appropriate controls for privileged access, encryption, key management, secrets management, vulnerability remediation, audit logging and secure software delivery.
- Drive timely remediation of audit findings, technology control weaknesses, scheme compliance issues and identified operational risks.
- Ensure engineering teams maintain appropriate evidence of design decisions, testing, approvals, release controls, risk acceptance and operational readiness.
- Proactively identify and mitigate concentration risks, unsupported technology, obsolete components, vendor dependencies and single points of failure.
- Promote a culture of engineering accountability in which technology risk remains owned by Absa and is not delegated to third-party vendors.
Required Experience and Qualifications
Essential qualifications
- Bachelor’s degree in Computer Science, Software Engineering, Information Technology, Engineering or a related field.
- Equivalent relevant qualifications and experience may be considered in line with Absa’s requirements.
Essential experience
- Significant technology leadership experience in banking, payments, financial services or another complex, highly regulated technology environment.
- Demonstrated experience leading engineering, software development or technology delivery teams across multiple products, platforms and services.
- Strong experience in payment processing, card acquiring, payment gateways, transaction switching, merchant services or digital payment technologies.
- Proven experience in end-to-end solution architecture, software engineering, systems integration and platform modernisation.
- Demonstrated understanding of high-volume, high-availability transaction-processing environments and the engineering disciplines required to operate them reliably.
- Strong knowledge of modern software engineering practices, DevSecOps, CI/CD, automated testing, application performance monitoring and production engineering.
- Experience in Agile delivery, multidisciplinary team leadership, technical resource planning and managing competing Run and Change priorities.
- Proven experience managing technology budgets, vendors, delivery commitments, commercial contracts and technology-related risks.
- Experience working with enterprise architecture, infrastructure, cybersecurity, risk and compliance stakeholders in a regulated environment.
- Demonstrated experience delivering complex technology initiatives from solution design through implementation, production stabilisation and ongoing optimisation.
- Strong executive stakeholder management skills, including the ability to communicate technical complexity, business impact, delivery risk and investment trade-offs clearly.
Advantageous experience
- Experience with card schemes, including Visa and Mastercard, and the associated technical, operational and compliance requirements.
- Experience with payment switches and gateways, including platforms such as BASE24, BASE24-eps, Postilion, Cybersource or equivalent technologies.
- Experience with cloud platforms, containerisation, Kubernetes, API management, event streaming, distributed systems and modern integration architectures.
- Experience with observability platforms, automated incident management, performance engineering and resilience testing.
- Experience in merchant onboarding, payment acceptance, digital wallets, QR payments, tokenisation, fraud controls and payment orchestration.
- Experience applying AI and intelligent automation to software engineering, operational support and payment-service management.
- Experience in large-scale technology transformation, legacy modernisation and the transition of new digital capabilities into enterprise production environments.
Technical and Leadership Competencies
The successful candidate will demonstrate:
- Strategic engineering leadership: Ability to translate business strategy into an executable engineering roadmap and measurable outcomes.
- Architecture and technical judgement: Ability to make sound end-to-end technology decisions, balance competing design considerations and challenge inappropriate solutions.
- Software engineering excellence: Strong understanding of software development, engineering standards, automated delivery and continuous improvement.
- Payments domain expertise: Understanding of payment processing, merchant acquiring, transaction flows, scheme requirements and associated operational risks.
- Reliability and resilience: Ability to engineer highly available, secure and recoverable services for business-critical payment environments.
- Commercial acumen: Ability to evaluate technology investment, optimise cost-to-value and manage vendor and financial commitments.
- Risk and control discipline: Ability to embed security, compliance and operational risk management throughout the engineering lifecycle.
- People leadership: Ability to build high-performing teams, develop technical talent and establish clear accountability.
- Executive communication: Ability to communicate complex technology matters and material decisions to senior business and technology stakeholders.
- Continuous improvement: Ability to use engineering metrics, automation and data-driven insights to improve quality, productivity, reliability and delivery performance.
Key Performance Outcomes
Success in the role will be measured through a balanced set of business, engineering, service and people outcomes, including:
- Platform reliability and resilience: Improved availability, stability, recovery capability and reduction in recurring production incidents.
- Engineering delivery: Improved predictability, delivery throughput, release quality and time to market for business-critical capabilities.
- Platform modernisation: Delivery against the agreed modernisation roadmap, reduction of material technical debt and improved architectural alignment.
- Business and merchant outcomes: Contribution to payment acceptance growth, merchant experience, operational efficiency and revenue opportunities.
- Engineering quality and automation: Increased automated testing and deployment, reduced manual intervention, lower defect leakage and improved engineering productivity.
- Risk and compliance: Timely remediation of technology and scheme-related control gaps, audit findings and security vulnerabilities.
- Financial performance: Effective management of engineering expenditure, vendor costs, technology investment and total cost of ownership.
- People and capability: Improved engineering capability, succession coverage, retention of critical skills and reduced dependence on individual specialists.
- Operational efficiency: Improved monitoring, incident resolution, capacity management and automation of repetitive operational activities.
- Sustainable delivery: Successful transition of new capabilities into production with appropriate ownership, documentation, support arrangements and operational controls.
Why This Role Matters
- Commercial Payments is a critical enabler of business banking, merchant services and digital commerce. The reliability, scalability and evolution of its technology directly influence merchant experience, payment acceptance, operational efficiency and Absa’s ability to compete in a rapidly changing payments ecosystem.
- The Head of Engineering – Commercial Payments will play a pivotal role in strengthening Absa’s engineering capability, modernising strategic payment platforms, improving service resilience and accelerating the delivery of innovative payment solutions.
- This is an opportunity to lead a business-critical engineering function, build sustainable technical capability and deliver secure, scalable and commercially valuable technology that supports Absa’s growth ambitions across South Africa and the broader African market.
Education
Bachelor's Degree: Information Technology
End Date: October 30, 2026
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Job Summary
The main purpose of the Technical Advisory Group role is to provide technical accounting and regulatory support on complex transactions originating from a variety of Absa businesses in South Africa and rest of Africa. Overall job responsibilities include:
- Determining appropriate accounting policies for Absa businesses.
- Providing practical assistance in implementing accounting or regulatory policies and treatment.
- Assess the impact of new accounting developments on the business unit and manage the implementation thereof by preparing technical accounting opinions.
- Engaging with a wide variety of stakeholders to provide accounting treatment for new transactions and/or providing regulatory treatment for new transactions
- Involvement with the development of new products and transactions from an IFRS accounting or regulatory policy perspective.
- Write up of accounting and regulatory treatments for new product sign-off and other transaction approval forums.
Job Description
Accountability: Changes in accounting standards & accounting issue
- Stay up to date with accounting guidance and developments by subscribing to International Accounting Standards Board ("IASB"), South African Institute of Chartered Accountants ("SAICA") etc and communication of these upfront to the Business Units.
- Inform the relevant Group Financial Reporting ("GFR") note owner of accounting changes that might affect their notes disclosures in the annual financial statements (AFS) to enable them to critically assess the impact on their notes for accuracy and compliance with IFRS.
- Identify possible accounting issues within the business units which may result in inaccurate financial reporting and actively drive the process in resolving these issues by continuous communication with the business units and assisting the business unit in finding practical solutions to address these.
- Perform thorough and detailed assessments on any technical accounting matters identified to limit the time required from the auditors on investigating transactions potentially incorrectly accounted for in terms of IFRS and group accounting policies.
- Stay up to date and liaise with Regulatory bodies such as SAICA and the Banking Association on any industry related matters pertaining to accounting standards to ensure Absa's view is taken into account by these bodies when taking decisions on the development of accounting standards and related matters.
- Communicate proactively and continuously with business to discuss issues and concerns that might arise to ensure potential incorrect accounting for transactions in terms of IFRS and group accounting policies are addressed.
- Respond to queries from business in a timely manner on i.e. accounting treatment queries to ensure potential accounting issues are resolved within a reasonable period.
- Inform business of any International Financial Reporting Standards ("IFRS") related issues that might affect them by staying up to date on any accounting developments by monitoring the communications from the IASB and SAICA to ensure these are appropriately taken into account by business for financial reporting purposes.
- Resolve any business related issues within respective clusters which note owners/GFR experience.
- Minimise any issues that clusters experience for year-end by following up and resolving issues identified on a timely basis and reviewing list of outstanding technical accounting issues as logged on SharePoint.
- Set up periodic meetings with Business Chief Financial Officers ("CFO") to identify any accounting issues to be addressed to be able to address and resolve these pro-actively.
Accountability: Accounting support including new product developments
- Provide guidance to the business unit on completing supplementary schedules required by Group Financial reporting for financial statement note disclosure. Also review these schedules for accuracy and completeness.
- Provide support to disclosure note owners on any technical accounting matters encountered.
- Assist business units in drafting separate company financial statements for group subsidiaries and assist in completing and submitting to Group Secretariat within 6 months from the year-end.
- Act as point of contact between Financial Control and the business unit for any reporting related and technical queries
- Collate information relating to new products, prepare technical accounting opinion and assist the business unit with the implementation thereof
- Provide technical accounting support that is practical by relying on own technical accounting expertise and knowledge.
- Keep updated with any developments on new products launched based on products coming through the New Product Approval Process and ensure timeous accounting assessment of new products.
- Enhance knowledge and understanding of business and product offerings to be able to provide relevant technical accounting support by continuously liaising with relevant stakeholders i.e. Business Unit CFO, product owners etc.
- Obtain and understanding of how the product /technical issue affects other business units in the bank (i.e. interdivisional entries that should net off on consolidation).
- Liaise with the consolidations team and the respective note owners concerning problems that might occur, so that they are aware of potential issues, which should be escalated and resolved.
Education and skills:
- BCom Financial Sciences
- CA(SA)
- 3-5 year's experience in a technical accounting role
- Experience working in a Financial Services environment advantageous
Education
Bachelor`s Degrees and Advanced Diplomas: Financial Sciences (Required)
End Date: October 30, 2026
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Job Summary
- To provide needs-based financial advice, sales, and service to individual retail banking customers, enabling them to meet their personal financial goals while ensuring compliance with FAIS, Treating Customers Fairly (TCF), and bank risk frameworks.
Job Description
Key Responsibilities
- Proactively acquire customers and deliver sales against agreed targets.
- Deliver efficient and professional customer service and resolve queries across all touchpoints.
- Support lead generation and simplex activities to contribute to branch growth.
- Action and conversion of quality leads and campaigns; maintain pipeline hygiene and accurate reporting.
- Execute DHA and MVNO offerings precisely and securely, meeting service levels and audit requirements.
- Champion digital and self-service adoption including customer education to reduce assisted transactions.
- Operate flexibly across diverse branch formats and customer segments.
- Deliver first‑time‑right customer outcomes and uphold service excellence.
- Apply governance, risk and compliance standards (incl. FAIS, AML/CFT, TCF, POPIA) in every interaction.
- Collaborate within the team and contribute to a continuous improvement of performance culture.
- Deliver a consistently exceptional in-branch customer experience by proactively welcoming, guiding, and supporting customers, while promoting efficient service, alternative banking channels, and upholding Absa’s service standards, image, and brand in a safe, professional, and well‑managed branch environment.
ACCOUNTABILITIES
Customer Advisory & Sales
- Conduct comprehensive personal financial needs analyses
- Provide advice and sell approved retail banking products (transactional accounts, savings, lending, credit, insurance, investments as applicable)
- Explain product features, benefits, risks, and costs clearly
- Achieve individual sales, growth, and cross-sell targets
Customer Relationship Management
- Build and maintain long-term relationships with assigned customers
- Proactively manage customer portfolios to retain and grow value
- Conduct regular portfolio reviews and engagement follow-ups
Customer Experience & Service
- Deliver a professional, consistent, and personalised customer experience through welcoming, guiding, and supporting customers, while promoting efficient service, alternative banking channels
- Uphold Absa’s service standards, image, and brand in a safe, professional, and well‑managed branch environment.
- Resolve customer queries and manage escalations effectively
- Support digital adoption and financial education initiatives
Compliance, Risk & Governance
- Operate in accordance with FAIS, FICA, AML, and internal risk policies
- Maintain accurate advice records, documentation, and disclosures
- Complete regulatory training and CPD requirements
- Identify and escalate conduct or operational risks
Education
- Further Education and Training Certificate (FETC): Banking, Further Education and Training Certificate (FETC): Finance
End Date: October 29, 2026
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Job Summary
- SME specialists who partners with business units to create value adding campaigns and sustainable comprehensive reporting. Maintains a high standard acting as quality assurance as work is delivered. Delivers clearly defined asks to MI / BI / Visualisation teams
- Oversees and conducts the conversion of data into insights that will lead to informed business decisions. Works directly with stakeholders within the assigned departments.
- To support and enhance intellectual business performance modelling and create measures that drive an optimal value management strategy. To enhance information in order to support optimal decision making.
Job Description
Key accountabilities
- Strategic Insights Generation- Analysing trends, audience engagement, and customer journeys to determine which campaigns are effective and optimization opportunities.
- Campaign Execution – Manage leads generation across Card Issuing portfolio. Drive improvement of campaign performance and successes regarding target market, quality of data, relevance of offer, customer experience, and customer requirements. Track and report on client campaigns and initiatives.
- Subject Matter Expert on management information and business intelligence reporting requirements and related solutions to enable increased throughput and better quality business decisions based on insights. Drives clear standardisation of business rules and creates sustainable channels for data flow within the business. Creates necessary channels and requirements to accommodate ingestion of new data from a range of sources.
- Creates relationships between business areas, enabling a better understanding of data and reporting. Sets a standard of reporting used across all business areas units built on sustainable solutions developed in conjunction with Data Architecture, MI/BI and Data Products
- Validate, Collaborate & Research - Continuously explore ways to enhance business performance by analysing key profit / cost / process efficiency drivers, key indicators, relationships and trends. Develop a thorough knowledge of products, systems, platforms and related reporting.
- Collaborates and manages across internal data pillars to deliver on complex projects. Takes accountability to assess, define and manage project deliverables, milestones, risks and issues.
- As Subject Matter Expert, the Senior MI / BI Analyst fulfils a mentoring role and guides delivery across layers within the business area.
- Analytical Insights - Guide and mentor team members on data manipulation and analytical techniques to provide analytical insights and recommendations that support decision making to the business. Design of sustainable BI solutions to address business needs, and driving opportunities to improve processes and strategies with technology solutions. Prioritise and oversee the implementation of identified development needs in order to improve and streamline operations.
Education
- Bachelor`s Degrees and Advanced Diplomas: BMI - Business Management and Informatics
End Date: October 30, 2026
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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
End Date: November 14, 2026
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Job Summary
Key Requirements:
- Minimum 2-3 years Financial Planning / Advice in Long-term Insurance and investment
- NQF 5 FSB approved qualification (120 FAIS Credits)
- RE 5 Certification
- Fit and proper for typical license categories
- 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: October 31, 2026
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