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  • Posted: Jul 21, 2021
    Deadline: Not specified
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  • Absa Bank Limited (Absa) is a wholly owned subsidiary of Barclays Africa Group Limited. Absa offers personal and business banking, credit cards, corporate and investment banking, wealth and investment management as well as bancassurance. Barclays Africa Group Limited is 62.3% owned by Barclays Bank PLC and is listed on the JSE Limited. The Group is one of A...
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    Credit Card Processing Officer (Everyday Banking)

    Job Summary

    BRIEF OVERVIEW OF THE SPECIFIC BUSINESS UNIT:

    • This role is within RBB: Everyday Banking in Service and Sales Enablement Card Operation in the Disputes Resolution team. The role is within the Acquiring Chargebacks team.

    BRIEF OVERVIEW OF THE ROLE:

    • The purpose of the role is to investigate all incoming chargebacks, by validating the case, engaging the merchant to provide required documentation to defend the chargeback. Regular engagement with other Stakeholders e.g. Merchant Services. Adherence to the Card schemes (Visa/ Master) SLA as well as sticking to the Dispute Resolution guidelines, is a critical aspect of the role in order to mitigate the risk of penalties/losses due to error.

    Job Description

    KEY RESPONSIBILITIES:

    The high level duties of the role:

    • Validate all incoming chargebacks assigned
    • Send request for documentation to merchant
    • Validate the documentation received from the merchant
    • Engage with Merchant services/Key account managers for corporate merchants
    • Ensure that chargebacks is actioned within the SLA as prescribed by the Card Schemes.
    • Be a team player by participating in the team’s buzz sessions and share best practices
    • Proactively identify a trend on certain merchants and refer them for investigation by IT department.

    EDUCATION AND MINIMUM REQUIREMENTS:

    • Matric or equivalent NQF level 4 qualification
    • National Diploma/Higher Certificate or equivalent NQF level 5 qualification or higher preferred
    • Certificate in Call Centre will be an advantage
    • At least 2-3 years banking ⁄ technology/ financial services environment experience.
    • At least 6-12 months experience in customer service.
    • Previous Call Centre/Contact Centre experience in resolving customer queries will be preferred

    Education

    • National Senior Certificate/ Matric (Grade 12): Office Administration (Required)

    Absa Bank Limited is an equal opportunity, affirmative action employer. In compliance with the Employment Equity Act 55 of 1998, preference will be given to suitable candidates from designated groups whose appointments will contribute towards achievement of equitable demographic representation of our workforce profile and add to the diversity of the Bank.

    Absa Bank Limited reserves the right not to make an appointment to the post as advertised

    go to method of application »

    Lead Strategic Data Solution (Everyday Banking)

    Job Summary

    • This role in in line with the Everyday Banking (EB) strategy to build Analytics capabilities that support the business units in this cluster. This role will include, but is not limited to, data solutions, front-end utilities for data access and analysis, data visualization platform testing and deployment and enabling business reporting capability – in whatever form is required.
    • The primary focus of this role is to identify areas where solutions can be delivered faster at less cost, mitigating unnecessary risk and redeployments. This includes automation, wherever possible, and the development of component based frameworks to enable downstream re-use of data entities.
    • Improving the collaboration between Everyday Banking, CVM and IT and Data Engineering is also a major responsibility of this role with a specific focus on reducing the complexity, improving the reliability and increasing the efficiency of solution delivery. Providing a single point of entry into and out of Everyday Banking. 
    • The role will also focus on Lead selection methodologies that support business growth, processes that support rapid execution and accurate tracking.

    While focusing on capability and growth agenda, some opportunities will be surfaced and the responsibility of this role is to then enable business to reap these opportunities.
    Job Description

    Key Responsibilities 

    Accountability: Data Architecture, Tools and Platforms

    • To base the establishment of the required strategic business and technology architecture artefacts (e.g. Product and Campaign Analytics, MI and Collections) operating models, process models, people models, etc.) on the specified RBB and Data Engineering strategies.
    • Review, document and regularly maintain 'As is' strategic EB and Data architecture artefacts and ensure that all key stakeholders understand the current strategic architectural landscape for data flows
    • Ensure close alignment between the EB business architecture landscape and the group strategic Information and Technology landscape by working seamlessly with Group Technology's and Data Engineering strategic solutions
    • Define the 'building blocks' of the future landscape ('To be") with reference to identified Group wide capabilities
    • Construct and maintain the "To be" strategic landscape, articulating the relationship between building blocks, resulting in a logical blueprint.
    • Ensure that this logical blueprint remains aligned to the Group Strategic architecture, tools and platforms logical blueprint.
    • Identify capacity gaps in building blocks and prioritize development of deficient building blocks.
    • Present and describe logical blueprint to relevant stakeholders in the form of formal Presentations/meetings with governance boards.

    Accountability: Data frameworks

    • Contribute to and maintain the enterprise architecture framework of internal standards, methodology and governance by providing the strategic architecture components of these and by highlighting the requirements for Everyday Banking
    • Through knowledge of industry standards or best practice, contribute to and ensure alignment suitable to for Everyday Banking.
    • Standards, templates and training interventions.
    • As part of this development: stakeholders need to be educated around the usage of enterprise architecture deliverables and the roles they play.
    • Develop and maintain the Technology with reference to architectures, tools, platforms etc. and leverage the Group wide resources to deliver on Everyday Banking analytics requirements

    Accountability: Innovation

    • Deliver in-depth insights into the end-to–end journeys of customers, supply chains, employees and how they can be improved using digital technology
    • Have a strong understanding of how to migrate traditional processes and systems to cater for mobility, social media sensors and so forth
    • Have a natural leaning toward innovation and development, including the ability to teach and inspire other stakeholders in the organization
    • Able to take the organization on a digital transformative journey both internally and externally
    • Foster innovation leveraging emerging Big Data and analytics technologies

    Accountability: Data Risk Management

    • Ensure highest level of professionalism in data risk management
    • Design and implement relevant guidelines for teams working with sensitive client data
    • Develop a data risk management framework to manage key risks and issues relating to the entire data life cycle, when required in terms of data quality, data standards, data analytics, data security, data privacy and data recovery measures.
    • Serve as a trusted partner to key business executives focused on the customer, risk management and regulatory compliance.

    Accountability: People Management

    • Ensure the development of a high-performing team through embedding formal Performance
    • Management and informal coaching.
    • Ensure that Absa values are instilled with the team and through demonstrating leadership by example.
    • Drive the transformation and talent objectives and targets of the organisation within the CVP and broader team in terms of staff recruitment into priority positions and the identification and development of critical talent.
    • Develop appropriate survey action items together with the management team of the business unit and ensure that items are executed.

    Education and Experience required

    • BSC degree or equivalent NQF level 7 qualifications
    • Actuarial, Statistical or Mathematics qualification will be preferred
    • Experience in coding in R, Python or SAS or Absa specific coding languages
    • Demonstrate clear grasp of statistical methodology experience in data science
    • Extensive experience in Agile methodology.

    Knowledge and skills: 

    • A proven ability in the banking environment.
    • Expert knowledge and experience in working within a retail and business banking environment, formulating strategies, identify and develop innovative solutions
    • Macro understanding of the business environment and how the related Industry is operating
    • Extensive knowledge of competitor and non-competitor strategy and practices in the retail market
    • A proven transformational profile taking solutioning to a new level
    • An established and credible relationship with industry Players
    • Interpreting and influencing of strategic signals from external and internal operating environment and translating these into relevant actions through driving change and innovation
    • Ability to provide leadership to the next generation of the data journey
    • A deep knowledge of data governance, data management and data analytics background
    • Ability to partner at a very senior level – not merely operational or technical

    Education

    • Bachlor's Degree: Information Technology

    Absa Bank Limited is an equal opportunity, affirmative action employer. In compliance with the Employment Equity Act 55 of 1998, preference will be given to suitable candidates from designated groups whose appointments will contribute towards achievement of equitable demographic representation of our workforce profile and add to the diversity of the Bank.

    Absa Bank Limited reserves the right not to make an appointment to the post as advertised

    go to method of application »

    Relationship Executive Commercial

    Job Summary

    The main purpose of the role is to optimise the profit and economic value of a portfolio of clients with high growth potential and commercial banking requirements by focusing:

    a) Origination efforts to acquire new clients plus up-selling to existing client base; and

    b) Coverage efforts to solution a designated number of clients
    Job Description

    The main purpose of the role is to optimise the profit and economic value of a portfolio of clients with high growth potential and commercial banking requirements by focusing:

    a) Origination efforts to acquire new clients plus up-selling to existing client base; and

    b) Coverage efforts to solution a designated number of clients

    Key Accountabilities:

    • Drive Financial Targets
    • Maintain primary ownership of a portfolio of client accounts, differentiated by the level of complexity of the client base.
    • Ensure the long-term sustainability of the portfolio by establishing relationships with new clients and solution-based up selling to existing clients.
    • Make effective use of the client planning and solutioning tools (Sales tools) to ensure in-depth understanding of client needs, in order to provide clients with the best possible solutions.
    • Achieve new business and up-selling sales targets by pro-actively driving cross functional teams (including but not limited to Sector and Product specialists) to find client-centric solutions which must be formalised in strategic proposals and presented to clients in accordance to the distinct Client Value Proposition (CVP)  for Accounts.
    • Track and monitor the financial performance of the portfolio by utilising the Sales Funnel and VAPM tools.
    • Apply risk-based pricing for all new sales and pricing reviews in line with the RB pricing policy.
    • Operate and position RBB in a dynamic and highly competitive market place by interacting with all relevant stakeholders driving key initiatives to secure client retention and growth.
    • Achieve sales targets relevant to the strategic initiatives and drivers of the Accounts portfolio.

    Relationship and Service Management 

    • Actively develop strong advisory client relationships with key decision makers, utilising the networking skills of senior RBB Executive where the opportunity arises.
    • Conduct regular client visits in accordance with the Account Value Proposition and initiate changes to RBB Product by providing input into product development to better service our clients.
    • Prepare holistic, comprehensive, high quality call reports for distribution to all relevant stakeholders and Credit Analyst to shorten the lead-time of credit applications.
    • Make use of middle- and back-office support networks to ensure effective on-boarding and complete end-to-end service delivery.
    • Take ownership of client complaints that originate from the RE's area of responsibility and accountability and log on to the Client Compliment and Complaints system as per the prescribed policy and procedure guidelines. This will allow business to track actions to improve on service levels.
    • 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. Stay abreast of new industry developments and clients' market position.
    • Take actions to build and maintain sustainable client relationships that continuously create sustainable value for RBB.

    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.
    • Responsible for the obtaining and scanning of all KAMLS and other on-boarding documentation relevant to the deals that the RE has on boarded.
    • Ensure that all outstanding collateral conditions are met.
    • Manage high credit risk clients in conjunction with the credit team by conducting regular client reviews.
    • Apply appropriate solutions according to the risk profile and credit appetite within the industry.

    Drive Team Work

    • Co-operate and work well with others in the pursuit of organisational objectives and team goals. Attend team meetings and contribute fully, including suggestions for ways of improving customer service and meeting targets.
    • Communicate concerns or challenges that derive from team interactions in a constructive and positive manner.
    • Share information and make others aware of information that may be useful to them.
    • Develop supportive relationships with colleagues and create a sense of team spirit.
    • Develop and maintain contacts with Specialists in other areas of RBB and the Group.

    Self-Development 

    • Attend relevant economic environmental business forums to be able to raise client conversations to a strategic level.
    • Subscribe to relevant segment specific initiatives and apply this knowledge to act on opportunities to maximise revenue and profitability.
    • Take responsibility for personal learning to help develop pro-active career and life attitudes.
    • Keep abreast of regulatory changes through regular training.
    • Monitor available L&D courses to develop your own training whilst helping others in the team to develop theirs.
    • Demonstrate the willingness and ability to perform to the very best levels to ensure personal alignment to ABSA's values and vision.

    Competencies:

    • Values Driven
    • Digitally Empowered
    • Customer Obsessed
    • Exceptional Team Player
    • Creative Problem Solving
    • Drives Results
    • Pan African Citizen

    Minimum Requirements

    • B-degree in commerce/marketing/ finance (NQF 7)
    • 5-8 years of sales and financial experience in a commercial banking environment.
    • At least five (5) years experience and knowledge in the dynamics of the market place and industries (global, regional and local)
    • At least five (5) years experience in driving business and solution across divisional silos (e.g. segment, credit, product) and product silos’ and access wide set of products (e.g. FX, Trade Finance)
    • At least five (5) years experience in evaluating and understanding complex company financials and other economic trends.
    • In-depth understanding of credit solutions - Internal networking / credibility
    • At least five (5) years experience in structuring a good complex credit solution and guiding the credit process with the required parties
    • Preference will be given to South African Citizens and Permanent residents of South Africa in possession of proof of permanent resident status.

    General

    • The appointment will be made in line with the Divisional Employment Equity strategy.
    • There is no referral payment option with this requisition.

    Education

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

    Absa Bank Limited is an equal opportunity, affirmative action employer. In compliance with the Employment Equity Act 55 of 1998, preference will be given to suitable candidates from designated groups whose appointments will contribute towards achievement of equitable demographic representation of our workforce profile and add to the diversity of the Bank.

    Absa Bank Limited reserves the right not to make an appointment to the post as advertised

    go to method of application »

    Credit Card Sales (Everyday Banking) - PTA

    Job Description

    KEY RESPONSIBILITIES:

    The high level duties of the role:

    • Fulfil Customer Requests: Ensure that incoming calls are answered within the set timeframes and that all identified First Call Requests are adhered to.
    • First Call Resolution: Resolve incoming client or branch queries. Ensure that each call has been logged on ODP and a reference number provided to the customer. Adhere to prescribed turnaround times and report any outstanding items to respective Team Leader.
    • Adherence & Quality: Comply with Client Care set standards for example: House Rules, availability and behavior.
    • Compliance: Identify and verify each client before auctioning any requests. Ensure that security questions are asked, to ensure that the person on the other side of the telephone line is the client in question. 
    • Providing customer service and support: Answer inbound calls and respond to written queries timeously. Managing all queries through to resolution ensuring that first call resolution is adhered to at all times. Resolve all complaints within agreed service level timeframes 
    • Strict adherence to risk and compliance: Authenticate existing and third party customers and meet security measures, also in accordance to the National Credit Act. Strictly adhere to all risk and governance policies and procedures 
    • Self-development: Owning and being proactive about own training and development 

    EDUCATION AND MINIMUM REQUIREMENTS:

    • Matric or equivalent NQF level 4 qualification
    • National Diploma/Higher Certificate or equivalent NQF level 5 qualification or higher preferred
    • Certificate in Call Centre will be an advantage
    • At least 2-3 years banking ⁄ technology/ financial services environment experience.
    • At least 6-12 months experience in customer service.
    • Previous Call Centre/Contact Centre experience in resolving customer queries will be preferred

    Education

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

    Absa Bank Limited is an equal opportunity, affirmative action employer. In compliance with the Employment Equity Act 55 of 1998, preference will be given to suitable candidates from designated groups whose appointments will contribute towards achievement of equitable demographic representation of our workforce profile and add to the diversity of the Bank.

    Absa Bank Limited reserves the right not to make an appointment to the post as advertised

    go to method of application »

    Specialist Product Engineer - C# Angular

    Job Description

    Accountability:
    DevOps

    •  Apply critical thinking, design thinking and problem solving skills in an agile team environment to solve technical problems (Front End, Back End OR Middleware) with high quality solutions
    •  Contribute to all phases of the development lifecycle including
    •  Evaluate analysis, problem definition, business requirements, solution development & provide recommendations to enable the operational feasibility of solutions
    •  Quickly produce well-organised, optimized, and documented source code to deliver technical solutions
    •  Ensure designs & solutions support the technical organisation principles of self-service, repeatability, testability, scalability & resilience
    •  Apply general design patterns and paradigms to deliver technical solutions
    •  Support the development of CI / CD Pipelines (authoring & supporting CI/CD pipelines in Jenkins / similar tools and deploying to multi-site Kubernetes environments – supporting and managing your applications all the way to production)
    •  Use & configure modern observability techniques leveraging e.g. aggregated logging via ELK stack, metrics via Prometheus / Grafana / NewRElic and tracing using Zipkin/Jaeger
    •  Automate tasks through appropriate tools and scripting e.g. Jenkins, Docker, Ansible, Kubernetes
    •  Debug existing source code and polish feature sets.
    •  Work with integrated teams and other developers to improve and evolve technical products and services
    •  Align all application development & development process to Group Architecture & Infrastructure guidelines
    •  Provide input into project & program teams (when required) to plan & manage the development lifecycle e.g. releases, risk management, testing, integration etc.
    •  Conduct 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 cross domain and other experiences e.g. Secure Side, Testing, Infrastructure solutions etc.

    People

    •  Conduct peer reviews, testing, problem solving within and across the broader team
    •  Support the people change teams in the development of user material (Customer, Employee & 3rd Party Adoption)

    Risk & Governance

    •  Identify technical risks and mitigate these (pre, during & post release)
    •  Update / Design all application documentation aligned to the organization technical standards and risk / governance frameworks
    •  Participate in incident management & DR activity – applying critical thinking, problem solving & technical expertise to get to the bottom of major incidents

    Education and experience required

    •  3-8 years + experience

     Strong hands-on experience and understanding microservice architecture
     Relevant B-Degree in Computer Science preferred but not essential if minimum requirements of experience & practical application in the following is evident:
    o Automation
    o Messaging
    o Integration
    o Solutioning
    o SSL Security
    o CI/CD etc.
     Experience working in an agile environment

    •  Excellent communication, analytical skills and decision making ability in collaborative environments
    •  Excellent understanding of specific coding / scripting languages e.g. Java, C#, Python, Perl, JavaScript
    •  Solid understanding of Object Oriented Design and ability to properly apply general design patterns and paradigms
    •  Experience with test-driven development and domain driven design
    •  Solid understanding of messaging protocols and web services like SOAP and REST
    •  Experience with open-source relational databases
    •  Knowledge of application server containers: Tomcat, Jetty, JBoss, NodeJS, IIS, .Net Core etc.
    •  Good understanding of frameworks and libraries like JavaScript, jQuery, TypeScript, HTML, CSS
    •  Experience with CI / CD tools (like Jenkins, Bamboo, TFS, Azure Devops) and Artifact Management (preferably Nexus),
    •  Ability to create and maintain sophisticated CI / CD pipelines
    •  Strong understanding of version control and related concepts and techniques, particularly Git
    •  Experience with appropriate unit testing framework(s)
    •  Excellent debugging and problem-solving skills.
    •  Comfortable with stubbing tools like wiremock and/or hoverfly
    •  Experience with scripting languages like Bash and/or Python
    •  Experience with Cloud platforms e.g. Azure, AWS & Google Cloud Platform
    •  Familiar with OAuth, Open Connect ID and SAML, preferably with an understanding of AD / LDAP / Kerberos
    •  Familiar with Containerisation technologies like Docker & or orchestrators like Kubernetes


    Competencies: (Maximum of 8 competencies)

    •  Team Working
    •  Interpreting Data
    •  Meeting Timescales
    •  Taking Action
    •  Producing Output
    •  Checking Things
    •  Following Procedures
    •  Adopting Practical Approaches
       

    Education

    • Bachelor's Degree: Information Technology

    Absa Bank Limited is an equal opportunity, affirmative action employer. In compliance with the Employment Equity Act 55 of 1998, preference will be given to suitable candidates from designated groups whose appointments will contribute towards achievement of equitable demographic representation of our workforce profile and add to the diversity of the Bank.

    Absa Bank Limited reserves the right not to make an appointment to the post as advertised

    go to method of application »

    Analyst Credit Commercial

    Job Summary

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

    Job Description

    • The main purpose of the role is to conduct an in-depth, specialised and quality credit assessment and risk analysis on potential and existing Growth portfolio, to enhance the decision making process involved in determining the Bank's appetite to extend credit to these clients. Financial analysis, interpretation and capturing of client information (company financial statements) and qualitative data.

    Key Accountabilities:

    Risk Management

    • Monitor client’s performance on a continuous basis for risk indicators and perform formal reviews at specified time intervals to identify any changes in the client's business or operating environment.
    • Monitor adherence of covenants and conditions on a continuous basis and discuss any deviations and possible concerns with Sales team and escalate to Line Management and Credit if necessary.
    • Create and maintain a detailed due diligence record of the client portfolio's, detailing what facilities they have, so that information is readily available for reporting purposes.
    • Adhere to ARMS credit requirements as stipulated in the Absa credit policy
    • Monitor and report boundary events in terms of the Operational Risk Boundary.
    • Obtain input from Product Industry Specialist, where appropriate to assist in client solutioning and credit application process.
    • Identify the need for a meeting between high risk clients, Credit and Business Support.
    • Request updated valuations on properties which serve as security for facilities in line with Absa Credit policies.
    • Manage and communicate the risks associated with outstanding securities.
    • Pro-actively identify problematic /high risk clients and advise Credit accordingly, manage them with a view to provide special input and implement loss preventative measures i.e. EWL Reports and DI500.
    • Request and manage outstanding Financial Statements as stipulated in the Absa Credit policy.
    • Action and manage daily Odex, Referrals, REPL and REPC. Contact clients that are on the referral listing for rectification.

    Credit Management

    • Explore new, improved and alternative ways of solutioning client credit requirements.
    • Adhere to Bank’s credit policies and procedures and ensure that they are fully complied with and that any policy breaches have been suitably addressed and mitigated.
    • Adhere to Absa Credit Policy when clearing cheques on client's accounts as requested.
    • Provide bank codes and reports on clients, to other financial institutions.
    • Pro-actively manage credit risks associated with the portfolio of clients and their related products.
    • Manage and drive the deal forum process to ensure quality applications are submitted to the sanctioners with sustainable credit solutions.

    Portfolio Financial and Operational Management

    • In the event of a client visitation prepare a focused call report
    • Compile reviews, amendments and new applications to the appropriate lending authorities.
    • Issue facility letters to clients after reviews have been compiled and new facilities granted.
    • Draft and issue letters of reminder when facilities expire according to policy requirements, for example 30, 60 and 90 day letters.
    • Maintain thorough, accurate and up to date credit files, which include a set of financials, valuations, credit decisions and all client related communication.
    • Contribute to the Non-Interest Income by ensuring recovery of manual fees (e.g. Reviews, Excesses, late submissions of debtors, valuations) to avoid revenue leakages.
    • Spread client's financials on the various Credit Risk Grading models i.e. Agri Model, Public Sector Model, Risk Calc Model and Triad.
    • Provide the Default Grading (DG) output from the Credit Risk models within 24 hours of receiving the request.
    • Capture all information on the various risk grading models 100% accurately by checking that all the models balance.
    • Respond to queries relating to the DG output by explaining the process followed and the model used to generate the DG output. Escalate all technical queries relating to the various risk grading models to the relevant system owners.
    • Communicate incorrect and insufficient financial information received to relevant parties to ensure that the spreading is expedited within time frames.
    • Ascertain that all models balance and all unexplained adjustments are escalated to management for checking.

    Client Solutioning and Customer Service

    • Identify cross sell opportunities from analysis of Client's financials, account conduct and industry change and pass on to Transactional Banker as a lead.
    • Act as a contact for the credit related queries and resolve them timeously to ensure exceptional customer service.
    • Be part of the solution by attending sales best practice sessions with relevant stakeholders, give credit input to mitigate risk on the identified product offering or new acquisition, and monitor progress on the sales funnel, until the lead is converted into a deal.
    • Conduct research on the industry in which the portfolio clients operate, to understand the industries overall profitability, industry trends and clients market standing relative to their competitors.

    Team Work and Self Development

    • Attend team meetings and contribute fully, including suggestions for ways of improving customer service and meeting targets.
    • Develop supportive relationships with colleagues and create a sense of team spirit.
    • Communicate concerns or challenges that derive from team interactions in a constructive and positive manner.
    • Develop and maintain contacts with Specialists in other areas of RB and the Group.
    • Keep abreast of regulatory changes through regular training.
    • Monitor available L&D courses to develop your own training whilst helping others in the team to develop theirs.
    • Demonstrate the willingness and ability to perform to the very best levels to ensure personal alignment to ABSA's values and vision.

    Competencies:

    • Values Driven
    • Digitally Empowered
    • Customer Obsessed
    • Exceptional Team Player
    • Creative Problem Solving
    • Drives Results
    • Pan African Citizen

    Minimum requirements:

    • B Degree in Commerce/Finance or an NQF Level 7 Equivalent
    • Minimum of 2-5 years within a credit environment
    • At least two (2) years’ experience in reading and interpreting company financials and other industry trends.
    • Understanding of credit solutioning – internal networking/credibility
    • At least two (2) years’ experience structuring credit solutions and guide the credit process with the relevant parties.
    • Preference will be given to South African Citizens and Permanent residents of South Africa in possession of proof of permanent resident status

    General

    • The appointment will be made in line with the Divisional Employment Equity strategy
    • There will be no referral payment plan with this requisition

    Education

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

    Absa Bank Limited is an equal opportunity, affirmative action employer. In compliance with the Employment Equity Act 55 of 1998, preference will be given to suitable candidates from designated groups whose appointments will contribute towards achievement of equitable demographic representation of our workforce profile and add to the diversity of the Bank.

    Absa Bank Limited reserves the right not to make an appointment to the post as advertised

    go to method of application »

    Specialist Investigator Forensics - Asset Based Finance

    Job Description

    Investigations

    • Investigate all asset-based finance fraud cases allocated, end to end, (irrespective of the level or sensitivity) by ensuring that all investigative / operating methodologies (e.g. planning, reporting) are adhered to within the prescribed time limits.
    • Assess all new cases allocated on the Case Management System (CIES) and take appropriate actions to reduce mitigate and prevent further losses / potential losses to the Bank and effect recoveries of assets etc.
    • Conduct proper planning on investigations by determining the direction to be followed (e.g. interviewing of clients, suspects, engaging with vehicle dealerships, engaging with law enforcement, obtaining of evidence, laying of criminal charges) with continuous feedback and one on one discussions with Stakeholders (e.g. Absa Vehicle Finance, Commercial Asset Finance, Home Loans).
    • Conduct a proper risk assessment with each investigation, which includes quantification of the potential loss, media impact / exposure, blocking of accounts, claims, provisions, risk mitigation and compliance reporting, Ombudsman queries and engaging with Group Legal Services etc.
    • Obtain all relevant evidence related to the investigation, analyse, evaluate the evidence, and determine what evidence is admissible or inadmissible in order to make meaningful observations / conclusions on the findings.
    • Ensure timeous compliance regarding specific reporting requirements, differentiate and identify relevance to each investigation: Prevention and Combating of Corrupt Activities Act (PRECCA), Financial Intelligence Centre Act (FICA), Insurance (i.e. Marsh), Head Office Exchange Control (HOEC), Anti-Bribery and Corruption Act (ABAC), South African Fraud Prevention Services (SAFPS) and South African Banking Risk Intelligence Centre (SABRIC) etc.
    • Make meaningful and factually based recommendations to Stakeholders, with regards to internal process failures and recovery actions to consider against clients, and / or dealerships, to mitigate losses.
    • Interview internal and external suspects, witnesses and victims and obtain written statements to conclude investigation findings for disciplinary hearings, criminal and civil matters etc.
    • Capture all fixed fields listed on the CIES system - per case - for management information and statistical purposes (accurately and timeously).
    • Compile a comprehensive case report containing the factual findings of the investigation, recommendations addressing people, processes, procedures and system failures or internal and external threats and forward the final report to Stakeholders, Employee Relations (ER), Group Legal Services etc.
    • Ensure that each investigation has an accurate, value-adding conclusion, which is shared and discussed with Business for them to understand the investigation findings in order to make informed /appropriate decisions (e.g. financial recommendations, risk assessments and disciplinary recommendations).
    • Provide assistance / support to other internal investigators by conducting cross province investigations /interviews / obtaining of evidence (work-load distribution, cost saving etc.).
    • Provide relevant findings and evidence for the use in disciplinary purposes and CCMA matters to Line Management and Employee Relations to ensure that appropriate and successful sanctions are handed down. Attend disciplinary / CCMA hearings when required.
    • Meet with the National Prosecuting Authority (NPA) to provide expert witness evidence in the relevant Magistrate / Regional and Supreme Courts of South Africa, for aggravation of sentence in court regarding criminal matters.
    • Attend criminal / civil court proceedings when summons to do so, to provide expert evidence in Court, relating to Absa's products, processes and flow of transactions to obtain successful prosecutions.

    Risk Identification and Fraud Prevention

    • Identify fraud risks and or emerging risks during the course of an investigation or interactions with internal /external stakeholders; escalated upon discovery, to the relevant Business Unit and the Fraud Defense/Strategy Recoveries and Remediation Department for assessment and closing of "gaps" related to processes, policies and systems.
    • Make recommendations and suggest solutions on how to close the gaps identified through the CIES Control Breakdown fixed field.
    • Identify high-risk Business areas, through feedback received from parties attending risk forums / investigations outcomes and perform specific fraud awareness presentations at the respective Business Units to the identified staff.
    • Provide subject matter input into the training awareness material, to ensure that it remains relevant and up to date.
    • Establish meaningful relationships with various Corporate Company's Fraud Departments i.e. other Banks, SARS, etc., for fraud networking purposes and the sharing of information regarding new trends / scams.

    Operational Requirements and Compliance 

    • Identify areas of improvement, make suggestions / recommendations on ways of working, concerning the investigative and operating methodologies to line management for further consideration, to improve standards and workflow.
    • Adhere to the Data Privacy / Information Security, Access Control etc., policies at all times and to the Absa's Clean Desk Policy.
    • Adhere to all mandates i.e. Corporate Credit Card, travel and accommodation policies etc., with due regard to the guidelines specified.
    • Work co-operatively with colleagues, contributing positively and constructively to the achievement of the organizations' objectives.

    Education and experience required:

    Essential

    • Diploma in Forensic Investigation and Criminal Justice or
    • At least 5 years' experience in the Retail Banking environment

    Preferred

    • Equivalent Degree
    • Experience in the fraud investigation environment.
    • General knowledge of Risk Management and Principles of Risk Management.

    Knowledge & Skills:

    • Influencing and negotiating - Advanced
    • Team management skills - team building and leadership - Solid
    • Communication skills - verbal and written - Advanced
    • Ability to work independently and under pressure - Advanced
    • Relationship management and networking - Advanced
    • Analytical skills - Advanced
    • Risk management - Solid
    • Report writing - Advanced
    • Problem solving ability - Advanced
    • Conflict management - Solid
    • PC Literacy - Solid
    • Understanding of the Criminal-, Civil- and Commercial Law - Advanced
    • Investigation skills - Advanced
    • Banking product, policy and procedural knowledge - Expert
    • Interviewing technique - Advanced

    Education

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

    Absa Bank Limited is an equal opportunity, affirmative action employer. In compliance with the Employment Equity Act 55 of 1998, preference will be given to suitable candidates from designated groups whose appointments will contribute towards achievement of equitable demographic representation of our workforce profile and add to the diversity of the Bank.

    Absa Bank Limited reserves the right not to make an appointment to the post as advertised

    go to method of application »

    Call Centre Consultant : AVAF Services Line

    Job Description

    • The purpose of the role profile is to provides customer service and handles support queries and requests to enhance the customers’ experience. Retains existing customers by providing world class service.

    Key Accountabilities 

    Accountability: Providing customer service and support 

    • Answer inbound calls and respond to written queries timeously.
    • Managing all queries through to resolution ensuring that first call resolution is adhered to at all times.
    • Plan daily target goals and organize own administration.
    • Maintaining accurate details and data of all queries.
    • Providing product information to customers in line with standards and protocols.
    • Take ownership and accountability of all telephonic and written queries.
    • Adhere to prescribed turnaround times and escalate outstanding requests.

    Accurately capture all information for MI (Management Information) reporting

    • Resolve all complaints within agreed service level time frames.
    • Escalate customer queries to the correct person in the relevant support departments.
    • Do all customer call backs at agreed times.
    • Provide status (resolved or not resolved) to the Team Leader.

    Accountability: Strict adherence to risk and compliance 

    • Authenticate existing and third party customers and meet security measures.
    • Authenticate existing customers’ personal information as per the National Credit Act.
    • Strictly adhere to all risk and governance policies and procedures.
    • Support BSSA CSI initiatives.
    • Adherence to financial services legislation.
    • Comply with Risk and Control Activities and adherence.
    • Comply with all Human Resources policies and procedures
    • Understand and accept responsibility for all system access granted in line with all fraud risk management policies.
    • Participate in survey (EOS) and in findings action plans.
    • Adheres to principles of Treating the customer fairly (TCF)

    Accountability: Training and self-development 

    • Participate in all schedule training and multiskilling opportunities.
    • Participate in coaching sessions.
    • Owning and being proactive about own training and development.
    • Participate in idea sharing through pitch in initiative.
    • Complete all compliance training within prescribed timelines
    • Read for understanding all circulars.

    Education and Experience Required 

    • Matric or equivalent NQF level 4
    • Experience and exposure to Call service/Contact Centre environment
    • Customer Service experience in AVAF Sales & Service Enablement environment
    • No criminal record

    Education

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

    Absa Bank Limited is an equal opportunity, affirmative action employer. In compliance with the Employment Equity Act 55 of 1998, preference will be given to suitable candidates from designated groups whose appointments will contribute towards achievement of equitable demographic representation of our workforce profile and add to the diversity of the Bank.

    Absa Bank Limited reserves the right not to make an appointment to the post as advertised

    go to method of application »

    Relationship Executive Sales Pay Acceptance

    Job Description

    • The purpose of the role is to take full responsibility of selling Payment Acceptance solutions to potential merchants and drive acquisition of new to bank and new to segment Relationship Banking and Enterprise customers with a primary focus on acquiring new business as well as switching merchant acquiring relationships from competitor banks. Purpose of the role is to build and maintain professional relationships and drive sales via sales campaigns, leads and cold calling and achieve sales and turnover targets. Ensure the execution of the sales capability that delivers excellent customer service and relationship management for our merchants and internal business partners.

    Key Accountabilities:

    • Revenue and merchant growth through sales enablement
    • Identify sales opportunities and offer solutions appropriate for the merchant’s needs, goal and objectives by using the tools which outlines the products merchants currently have and the propensity for new product take-up
    • Adopt a commercial approach to appropriate cost to serve versus value generation.
    • Achieve the agreed new business turnover, new business and other revenue targets as agreed.
    • Achieve the agreed Merchant Service Fee targets by negotiating additional charges, pricing and any other applicable fees relevant to the product/solution sold to the merchant.
    • Complete new applications and ensure that process is finalised within the agreed service level turnaround times with a continuous follow up on progress of outcomes.
    • This will also entail the communication of the decision outcome to the merchant.
    • Implement an individual sales plan that is linked to the regional sales plan and overall Payment Acceptance strategy and business plan.
    • Participate in the design and execution of the regional sales plan to ensure that targets are delivered on.
    • Action all sales leads received from potential merchants as well as all internal business partners within the agreed service level agreements and turnaround times.
    • Adhere to the laid down sales processes and procedures within the Payment Acceptance frameworks.
    • Negotiate pricing, complete and sign new merchant agreements prior to implementation.
    • Execute on the regional sales plans by ensuring an increase in the percentage of customers taking merchant acquiring solutions by conversion of qualified leads into sales by selling offers, which benefit the merchant as well as the organisation.
    • Achieve sales (new business and existing growth) that will establish Payment Acceptance as a centre of excellence for Sales execution across the Commercial markets.
    • Negotiate pricing and allocate rates within the allocated mandate and refer to the next mandate holder where outside of mandate with the appropriate business motivation.
    • Relationship manages the engagement with merchants and relevant internal and external stakeholders in the relevant business units by attending meetings with internal business partners (Management Committee meetings, customer meetings, events, etc.)
    • Align and implement sales initiatives with the Business Banking units with the aim of implementing a sales methodology that will lead to cross segment revenue and customer growth.
    • Monitor effectiveness of regional sales campaigns to ensure delivery thereof and implement remedial improvements for future campaigns where required.
    • Execute on the regional retention plans in alignment with STP objectives and Customer Experience strategy.
    • Work closely with internal and external business partners to ensure that our sales execution delivers on best in class products, services and support.

    Sales performance and execution

    • Agree relevant sales plans, campaigns and targets with team manager as well as other internal sales units that will achieve the business plan objectives and STP.
    • Monitor individual sales performance on a daily/weekly/monthly/quarterly and annual basis and provide feedback to direct manager on how to improve performance.
    • Create and execute opportunities and prospects for new business by working through potential customer lists and find new innovative ways of selling other than the normal channels.
    • Review national competitor information, market trends on a regular basis and propose solutions to direct manager to ensure that Payment Acceptance offers a competitive product or make a recommendation to introduce a better product or offer.
    • Check that approved deals have been taken up to increase market penetration in new and existing business. Ascertain reasons for deals not taken up by liaising with the relevant internal business partner (Business Bank, Acquisitions, Enterprise, etc.).
    • Understand the relevant product features and benefits to ensure that accurate information and solutions are shared with merchants and internal business partners.
    • Analyse sales data (financials) and customer insights to enhance lead to sales generation and feedback responses to internal business partners to assist in adopting a sales methodology that is not silo focused.
    • Investigate customer and internal business partner requirements and implement a desired Payment Acceptance footprint that will ensure the achievement of revenue streams.
    • Reporting on individual sales performance.

    Relationship Management

    • Reposition the Payment Acceptance regional stakeholder management in order to improve key relationships and change the acquisition methodology with internal business partners.
    • Establish stakeholder needs and expectations in order to develop effective stakeholder engagement plans.
    • Personally relationship manages the top merchants in the region (as allocated by the direct manager) and ensures that an effective and efficient relationship model is in place to retain merchants within the allocated portfolio.
    • Update the direct manager as well as regional business partners on the sales performance and provide input where required.
    • Internal and external customer meeting attendance where required.
    • Engage with the RBB business partners with the aim of promoting the value proposition of Payment Acceptance.

    Customer Experience Execution

    • Execute on the business unit’s Customer Experience strategy and ensure that customer experience is a valuable differentiator within the value chain.
    • Work closely with the direct manager to drive a focused customer experience agenda that will help the region achieve its’ sales and after sales support objectives.
    • Ensure smooth and effective migration and on-boarding of new merchant relationships.
    • Use the feedback of the internal and external customer experience measurements to drive change and improvement that will benefit the sales strategy of the region.
    • Adhere to Customer Experience and service quality standards in line with Group Customer Experience strategy.
    • Implement improvement initiatives that will ensure high quality standards and customer experience.
    • Constantly keep abreast of the latest developments and trends with regard to customer expectations and service.
    • Ensure that all allocated complaints have been resolved within the allocated time frames as per the Treating Customers Fairly (TCF) principles.
    • Accept primary responsibility for merchant satisfaction through excellent service by ensuring that Payment Acceptance is the market leader in terms of turnaround times, pricing and value for money.

    Administration

    • Ensure that there is appropriate adherence to the laid down fleet car management policy and procedures (fleet statement checking, fleet calculations, provision of copies of log book, fuel expenses, toll expenses and any other applicable costs/expenses).
    • Attach copies of the log book and corresponding call out sheets and call reports and document discrepancies in order to facilitate claims and track work in progress.
    • Understand the content of the vehicle policy and adhere to all requirements stipulated in this policy in order to be able to submit correct travel claims.
    • Understand the content of the demo card, fleet card and business card policies and adhere to all requirements stipulated in these policies.

    Risk and Compliance Management

    • Maximise sustainable risk by adjusted portfolio contribution.
    • Work closely with the Risk and Control Assurance team and direct manager to determine appropriate RCA’s and adherence to RCA requirements.
    • Review risk and controls that exist in the region and own the adherence to control assurance.
    • Embed legislation affecting Sales and Sales procedures.
    • Complete required compliance and other attestations and ensure that impacted team members complete their attestations and compliance tests.
    • Complete attestations to testify to the adequacy of controls in the region on request.

    Competencies:

    • Values Driven
    • Digitally Empowered
    • Customer Obsessed
    • Exceptional Team Player
    • Creative Problem Solving
    • Drives Results
    • Pan African Citizen

    Minimum Requirements:

    • Degree or Advanced Diploma (NQF 7)  (Finance, Sales, Commerce)
    • 3 years’ experience within a client facing role (commercial/or financial industry)
    • 3 years proven track record in achievement of sales targets
    • 3 years relationship management experience in a financial services industry
    • Preference will be given to South African Citizens and Permanent residents of South Africa in possession of proof of permanent resident status

    General

    • The appointment will be made in line with the Divisional Employment Equity strategy
    • There is no payment referral plan linked to this requisition

    Education

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

    Absa Bank Limited is an equal opportunity, affirmative action employer. In compliance with the Employment Equity Act 55 of 1998, preference will be given to suitable candidates from designated groups whose appointments will contribute towards achievement of equitable demographic representation of our workforce profile and add to the diversity of the Bank.

    Absa Bank Limited reserves the right not to make an appointment to the post as advertised

    go to method of application »

    Leverage Management Specialist

    Job Summary

    • This role will report to the Head:Leverage Demand Management. This role will provide the support to ensure that the leverage demand of all the regulated entities across the Group is appropriate given the Group’s regulatory leverage position both current and over the forecast horizon of the Group. 
    • The incumbent will be a part of the team that is responsible to report the leverage demand position to Executive Committee appointed forums. Key stakeholders include Group Risk, Corporate Development and Group Finance

    Job Description

    Leverage demand planning

    • Play a leading role in producing a leverage demand plan for all business units within Absa Bank Group as well as for Absa Group Limited (AGL) as part of the Medium Term Plan (MTP) and for updating the plan throughout the year as required.
    • Work closely with the integrated planning team, including risk, finance and strategy teams, to ensure that the plans are aligned to the bank’s strategic and financial plans.
    • Provide the insights that validate the leverage demand plan to show that it allows for all known regulatory and other headwinds, so that it is an accurate and realistic representation of the forward looking leverage demand of the Group
    • Propose early warning indicators and performance metrics in light of leverage demand plan and regulatory requirements for approval by Absa Group Treasury Committee and the Board.
    • Work with risk and finance in order to conduct scenario analysis as part of the MTP process, and also more frequently during the year, as and when required.

    Leverage demand reporting

    • Provide the content to the leverage demand position report to enable the team to report to the Board as well as relevant committees as and when required,
    • Ensure key committees remain appraised of key aspects which may affect the leverage demand position of the bank.
    • Consistent tracking of leverage demand usage to at cluster level and that utilization remains within targets. Work with key stakeholders in clusters to address any over- and under utilisation.

    Advisory and optimization of leverage demand

    • Advise on the leverage implications of any potential transactions as well as new products
    • Advise on the leverage impact of proposed regulatory developments.
    • Participate in industry level discussions and debates regarding matters affecting bank leverage.
    • Identify and assist business with leverage demand optimisation

    Adhoc leverage demand projects

    • Manage the project to ensure the effective completion of tasks.
    • Encourage frequent knowledge sharing between team members.
    • Assist in the creation of effective workforce and recruitment demand plans to ensure that current and future business requirements can be met.

    Knowledge and skills

    • Ability to build sound relationships with stakeholders and to appropriately respond to their needs
    • Lateral-thinking ability
    • Ability to absorb large volumes of information and identify the critical parts
    • Understanding complexity and cross functional work
    • Strong presentational skills and ability to present to senior management
    • Strong knowledge of banking products and related financial issues
    • Strong analytical ability to identify trends in performance data and use judgement to extrapolate these
    • Strong commercial acumen, with a deep understanding of business drivers, and ability to apply this to influence business decision making and drive business performance
    • Strong understanding of the economics behind yield curves, e.g. market expectations due to micro and macro financial information
    • Detailed understanding of Basel capital adequacy directive
    • Working knowledge of the Banks Act, Bank Regulations and Accounting standards

    Competencies

    • Self-starter without supervision
    • Deciding and initiating action
    • Learning and researching
    • Entrepreneurial and commercial thinking
    • Relating and networking
    • Adapting and responding to change
    • Persuading and influencing
    • Creating and innovating
    • Strategic

    Education & experience required

    • NQF Level 7: Honours/Masters Degree
    • Bachelor of Commerce or Bachelor of Science (Honours)
    • Chartered Accountant (CA) (SA) or Actuary (FASSA / FIA)
    • 5 - 8 years treasury experience
    • 5 - 8 years exposure to Bank Regulations, Risk Management and Financial Reporting.
    • Any experience in Balance Sheet Management or Financial Resource Management is preferable

    Education

    Postgraduate Degrees and Professional Qualifications: Financial Sciences (Required)
    Absa Bank Limited is an equal opportunity, affirmative action employer. In compliance with the Employment Equity Act 55 of 1998, preference will be given to suitable candidates from designated groups whose appointments will contribute towards achievement of equitable demographic representation of our workforce profile and add to the diversity of the Bank.

    Absa Bank Limited reserves the right not to make an appointment to the post as advertised

    go to method of application »

    Business Area Head of Data Management

    Job Summary

    • The mandate of the Business Area Head of Data Management is to exercise authority and oversight over the management of data assets by implementing the Data Management Policy, Standards and Processes for all the Data Management disciplines in scope for Absa Group Limited (AGL). Overall alignment and monitoring of the performance on Data Management and Data Governance processes.

    Job Description

    • To coordinate and achieve on Data Management and Governance objectives
    • Drive the compliance to the Data Management Policy and associated Standards by closely monitoring the implementation and adherence thereof
    • To implement an agenda of consistency, effectiveness and efficiency for Data Management and Governance
    • Drive an effective and sustainable culture that embeds the Data Management Policy and Standards through continuous stakeholder management
    • •Identify any inconsistencies in management of data and suggest and implement solutions in closing gaps
    • Resolution and or escalation of data issues
    • Identify and communicate the landscape for the specific Business Area / Enterprise Function and ensure that the applicable areas are in a position to make informed decisions relating to Data Management and Governance
    • Establish and maintain communication channels across all clusters / areas within the Business to drive the Data Management agenda

    Education

    • Bachelor`s Degrees and Advanced Diplomas: Risk Management (Required)

    Absa Bank Limited is an equal opportunity, affirmative action employer. In compliance with the Employment Equity Act 55 of 1998, preference will be given to suitable candidates from designated groups whose appointments will contribute towards achievement of equitable demographic representation of our workforce profile and add to the diversity of the Bank.

    Absa Bank Limited reserves the right not to make an appointment to the post as advertised

    Method of Application

    Note: Never pay for any training, certificate, assessment, or testing to the recruiter.

  • Send your application

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