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.
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Job Summary
- The CIB Credit Risk AVP role is responsible for providing independent assurance that the management of credit risk across the CIB Business Unit aligns with internal policies, regulatory requirements, and industry best practices. This role plays a key part in assessing the design and effectiveness of credit risk management frameworks, governance structures, and control processes.
- The position is a key role that requires someone with Wholesale Credit Risk expertise to provide assurance on CIB Credit Risk and the effectiveness of the wholesale credit risk management practices, methodologies and systems (e.g. primary risk, counterparty credit risk, credit concentration risk, mandates and scale, credit portfolio management, credit risk strategy, portfolio segmentation, assessment and aggregation, wholesale credit impairment, model use, and distressed restructures/forbearance).
- The role also provides exposure to Sustainability Risk (ESG) through the assurance of methodologies and processes used across for Environmental, Social, and Governance risks as part of the credit sanctioning process.
Job Description
Key Responsibilities
Audit Execution and Delivery
- Ensure timely delivery of assigned tasks in accordance with agreed project timelines.
- Perform risk-based audits, including planning, scoping (identifying key risks and controls), fieldwork, and reporting.
- Prepare audit observations that are concise, factually accurate, and clearly identify root causes and risks. Ensure agreed management actions fully mitigate identified issues.
- Evaluate the effectiveness of risk management practices, as pertains to the specific financial risk type under review.
- Assess compliance with regulatory and internal policy requirements (e.g., IFRS 9, Basel, National Credit Act etc as applicable).
- Utilize data analytics to inform audit testing strategies and obtain deeper insights into control effectiveness.
- Ensure delivery is aligned with internal audit methodology and quality standards.
Relationship and Portfolio Management
- Engage with stakeholders across the 1st and 2nd lines of defense.
- Conduct ongoing business monitoring and maintain a strong understanding of key issues and trends to inform audit planning and continuous risk assessment.
- Contribute to the Combined Assurance effort by collaborating with other assurance providers across the 3 Lines of Defense to strengthen the control environment.
- Provide clear input into risk and governance committee reporting, highlighting emerging risks and control gaps.
Skills and Experience
- Strong understanding of credit risk management practices and processes across the credit risk lifecycle.
- Experience in performing internal audits or risk reviews within a financial institution.
- Working knowledge of regulatory frameworks applicable to financial risk types (e.g., Basel II/III, IFRS 9, NCR etc).
- Proficient in data analysis and able to work with data specialists to design effective audit tests.
- Excellent written and verbal communication skills; able to present complex issues clearly to senior stakeholders.
- Strong time management, organizational, and stakeholder engagement skills.
- Independent thinker with strong professional judgment and attention to detail.
Education and Experience
- A minimum of 3-6 years’ experience in internal audit, wholesale credit risk, credit policy and credit analytics.
- Demonstrate an understanding of credit risk management, counterparty credit risk, country and sovereign risk, credit risk strategy, risk appetite and credit risk measurement.
- Demonstrate understanding of Sustainability risk.
- Proficiency in data analysis tools such as SAS, SQL, and Excel; experience with risk models will be considered an added advantage.
- Bachelor’s degree in risk management, Actuarial Science, Statistics, or a related field is required.
- An Honours degree in Risk Management will be regarded as a distinct advantage.
- Any certifications will be regarded as a distinct advantage.
Education
- Bachelor`s Degrees and Advanced Diplomas: Business, Commerce and Management Studies (Required)
End Date: February 28, 2026
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Job Summary
- Apply critical thinking & problem solving skills to contribute to all phases of the development lifecycle & quickly produce well-organised, optimized, and documented source code to deliver high-performing, scalable, enterprise-grade applications.
Job Description
- CIB Corporate Technology uses the Salesforce Platform to manage essential operations and client interaction, feedback and onboarding across many diverse business areas:
- Coverage Banking, Product houses and Markets businesses, Legal for integration to the iManage Legal case management system.
- Compliance, The Client Service Centres, Credit, Marketing Cloud, Cash collections, Digital Partnerships etc.
- A dedicated Salesforce team of Full-stack Developers, Data Engineers and Configuration Specialists work to support the entire CIB business. Developing custom functionality on top of the existing SF platform and configure Salesforce to meet challenging and diverse business needs. Opportunities exist for ambitious technologists with almost any interest - from Architecture, Integration specialisation, or Full-stack Development to grow and enhance those skills within the CIB arena. The team embodies a culture of learning, empowerment, flexibility, recognition, work-life harmony and diversity & inclusion.
Skills and Experience required:
- Relevant B-Degree in Computer Science preferred but not essential if minimum requirements of experience & practical application is evident
- 5 + years Information Technology experience
- 3 + years hands on development experience with a focus on .Net or Salesforce Development
- Salesforce Qualification(s) – 201
- Salesforce experience is advantageous; alternatively, we welcome strong .NET developers who are looking to specialise in Salesforce
- Experience in specific coding / scripting languages
- Solid understanding of Object Oriented Design and ability to properly apply general design patterns and paradigms
- Some understanding of frameworks and libraries like JavaScript, jQuery, TypeScript, HTML, CSS
- Automated testing, building and designing
- Excellent communication, analytical skills and decision making ability in collaborative environments
- Experience / understanding with appropriate unit testing framework(s)
- Affinity for debugging and problem-solving
Advantageous:
- Salesforce Cloud, Experience and Marketing Cloud experience
- Salesforce Qualification(s) – 450, 501
- Salesforce DX
Key Accountabilities:
- Salesforce Development
- Team code reviews
- Code and test software and applications in keeping with given design and specifications
- Automated testing embedment
- Use the detailed program design received from the team lead to develop programs that accommodate automated output
- Implement changes in line with defined standards
- Adhere to Salesforce default functionality and apply
- Deployment of software via CI/CD or manual approved processes
- Engagement with end users to understand requirements, train on new functionality, assist testing process, document all changes made to the PRD environment
- Utilise Agile Methodology and deliver on user stories as specified in the sprints allocated
- Technical scheduled maintenance required from all team members, clean data, clean processes, optimise the engineering side of the application
- Obtain relevant Salesforce qualifications in order to optimally perform
- Highlight processes that needs to be optimised
- Team participation in building Salesforce
- Contribute to all phases of the development lifecycle
- Interpret analysis, problem definition & business requirements to identify solution requirements (e.g. features)
- Produce well-organised and documented source code for technical solutions
- Apply technical organisation principles of self-service, repeatability, testability, scalability & resilience in code development
- Apply general design patterns and paradigms to deliver technical solutions
- Debug existing source code and polish feature sets
- Work with integrated teams and other developers to improve and evolve technical products and services
- Study & apply Group Architecture & Infrastructure guidelines to all development work
- Support reviews, performance monitoring & ongoing optimization and maintenance on applications
- Stay ahead of the curve on emerging technologies and development practices and continuously evolve existing knowledge & skill in preparation for exposure to Automation, Integration, Messaging, CI/CD etc
- Update, create and appropriately store application documentation & technical specifications
- Participate in incident management & DR activity – applying critical thinking, problem solving & technical expertise to get to the bottom of major incidents
- Team collaboration and mentoring
Education
- Bachelor's Degree: Information Technology
End Date: February 23, 2026
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Job Summary
- To follow the six steps of financial planning in executing the role of a FAIS licensed financial adviser. A professional introduction must be made to introduce the adviser and the services offered by the adviser.
- Upon client approval the adviser may conduct a Financial Needs Analysis (FNA) in the disciplines of Investment, Life Insurance and Estate planning. Based on the concluded FNA to make recommendations to address single or multiple needs identified on behalf of the client.
- Advice recommendations will must be presented under the license categories for which the adviser is accredited Absa approved product(s) that are deemed will meet the needs of the client.
- On client acceptance of all or part of the advice, the adviser is required to implement the accepted advice through Absa’s new business processes. The adviser must conduct regularly review of the client needs to assess continued suitability of implemented solutions.
- In these reviews, new needs may be addressed and changes to existing plans be proposed to ensure continued solutioning of client needs. Adviser must continue to ensure ongoing Fit and Proper status to enable them to offer services under an Absa advice license.
Job Description
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)
Education
- Bachelor`s Degrees and Advanced Diplomas: Accounting, National Senior Certificate/ Matric (Grade 12)
End Date: February 20, 2026
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Job Summary
- To provide holistic financial planning solutions telephonically for clients through regular reviewing the client’s portfolio in order to build a sustainable Virtual advisory practice.
Job Description
- Establish and maintain a professional relationship with all stakeholders (Client, Bank personnel, Product providers, Virtual Advisers and Virtual Agents).
- Telephonically meet sales and/or growth targets.
- Personal Development: Manage own broker practice. FAIS Fit and Proper Requirements Applicable to this Role (Advice and Intermediary Service): FSCA-Approved Qualification Regulatory Exam for Representatives (RE5)
- Experience As Per the FAIS Act Product Specific Training once Onboarded Class Of Business Training Continuous Professional Development Attest To Honesty, Integrity, and Good Standing
Education
- Further Education and Training Certificate (FETC)
End Date: February 25, 2026
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Job Summary
- Drive sales effectiveness and product penetration by enabling branch teams through training, performance tracking, campaign support, and leadership engagement positioning the unit as a trusted, high-impact service provider.
Job Description
- Develop in-depth knowledge and understanding of Absa Life Insurance products.
- Position the Segments and Sales Enablement unit as a key service provider by owning and driving the process.
- Update branch sales figures daily to ensure accurate preparation for huddles.
- Attend and actively support the agreed number of sales and service campaigns, including telethons.
- Achieve sales lead targets through proactive customer engagement and effective use of listings.
- Train sales consultants and frontline colleagues on new and existing products to enhance product knowledge and sales capability.
- Identify gaps in sales processes and provide practical solutions, along with innovative ideas for improvement.
- Conduct one-on-one sales discussions with branch leadership to drive performance and alignment
- RE5 advantageous
- Must have a car and drivers license as travelling will be essential for this role
Education
- Higher Diplomas: Business, Commerce and Management Studies (Required)
End Date: February 25, 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: February 28, 2026
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Job Summary
- To support the credit risk process through carrying out comprehensive and quality credit risk functions within the credit lifecycle to create shared growth within the boundaries of internal policies and external regulations for Premium High Value Business and Public Sector clients.
Job Description
Risk Management:
- To conduct quality credit risk assessments and reviews,
- Proactively manage credit risks associated with clients,
- Develop data driven strategies, facilitate the credit sanctioning process to ensure responsible risk decisions
Data and Systems Management:
Governance:
Customer Management:
Education
- Bachelor`s Degrees and Advanced Diplomas: Business, Commerce and Management Studies (Required)
End Date: February 25, 2026
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Job Summary
- The Senior Manager of Funding and Liquidity Risk Management (FLM) is a critical role of the Africa Regions (AR) Treasury team, reporting to the AR Treasurer, and is responsible for FLM in AR which spans 10 subsidiaries in 9 markets across Africa.
- The incumbent will lead the Funding & Liquidity Risk Management function, ensuring the AR banks maintains a robust and resilient liquidity profile across business cycles and stress scenarios.
- support the execution of the Africa Regions Balance sheet and Funding and Liquidity risk management strategy by overseeing the FLM teams in each Country and supporting on the leadership and inputs required by Country ALCOs relating to FLM, and ensuring the following is robustly managed:
- effective balance sheet utilisation,
- cost efficient funding raise in local currency and foreign currency,
- ensuring compliance with regulatory and Board liquidity risk limits and management indicators.
- ILAAP review, challenge and submission to local or SA regulators
- ensuring effective delivery against AR and AR Treasury strategic objectives.
- provides effective challenge to funding strategy, balance‑sheet optimization, and contingency preparedness.
- In addition, the Senior Manager of FLM will also work closely with the AR BA610 Regulatory reporting lead for Liquidity risk ensuring accurate and timely reporting to internal governance forums; Country ALCOs and the Regulator.
- The Senior Manager of FLM will also collaborate with Finance, Treasury and Risk teams at Cenre and in-Country as required, and be responsible for assessing liquidity risk and adequacy at a legal entity level, delivering robust and effective Management Information reporting to the AR Treasury Committee and in-country ALCO
Job Description
Funding Strategy and Liquidity Risk Management
- Provide independent oversight and effective review and challenge to Treasury’s funding strategy, balance sheet shape efficiency, issuance plans, FTP design, and funding raising activities in countries.
- Provide financial leadership, analytical insight, and business partnering that drives effective cost of funding, robust liquidity risk management through stress testing
- Ensure proactive guidance of market conditions and impacts on the liquidity strength of the AR banks is communicated to the AR Treasurer and Country ALCOs in a timely manner
- Enable disciplined financial decision-making through insight-led business cases, pricing recommendations, and performance analysis.
Liquidity Risk Measurement, Monitoring & Reporting
- Own independent measurement and monitoring of LCR, NSFR, survival horizons, stress liquidity coverage, cashflow mismatches, liquidity buffers, and concentration risk (funding sources, investors, currencies, tenors)
- Ensure compliance with Board and Regulatory limits and management triggers, proactively addressing potential risks to compliance and guiding the Country Treasury and Business teams on the actions required to manage risk positions
- Deliver timely, accurate MI and regulatory reporting to ALCO, Risk Committees, Board Risk Committee; escalate breaches and emerging risks
- Lead the development and delivery of effective Management Information for AR Treasury that provides the appropriate insight to balance sheet movements, performance to plans and key risks that need to be managed for the AR Business Units
- Support in-country ALCOs with the appropriate management information and guidance on capital management options to improve Entity, BU and Group returns
Strategic Forecasting, Stress testing & Contingency Planning
- Lead the review with the Country FLM leads on their funding positions and plans, providing views liquidity risk and potential performance opportunities
- Support the delivery of BU level funding plans through the Group’s strategic planning cycles (MTP, STP, RAF), ensuring plans are effective, compliant and aligned to the Treasury Balance Sheets and PnL monitored in Treasury
- Support a culture of accountability through monitoring and reporting funding and liquidity risk allocation against Business committed plans
- Design and run idiosyncratic, market‑wide, and combined stress tests; calibrate name‑specific and systemic scenarios; translate macro assumptions to liquidity drivers.
- Review Country Contingency Funding Plan (CFP) and Recovery & Resolution (RRP) / solvent wind‑down liquidity playbooks; periodically test triggers and drill execution readiness.
- Partner with Capital and FTP teams on balance sheet strategy, including MREL/TLAC needs (if applicable), issuance windows, and investor diversification
Liquidity Risk Modelling, Analytics and Business Partnering
- Deliver actionable analytics that inform balance sheet and financial resource tilt
- Consolidate and interpret performance data across products, customer segments, and business units to guide commercial strategy
- Maintain oversight of Liquidity-related risks, including pricing policy exceptions, and financial resource consumption risks.
- Oversee liquidity risk models (run‑off, stress outflows/inflows, sticky deposits), including validation and back‑testing, in partnership with the AR Liquidity Risk reporting lead
- Partner with Tech/Data to enhance reporting and the production of Management Information
Leadership & Stakeholder Management
- Build and lead a high‑performing team in Countries working with the Coutnry Treasurers (hiring, coaching, succession).
- Serve as subject matter expert to Countries for liquidity risk topics, ensuring timely remediation of findings and audit issues.
- Prepare and deliver clear narratives to senior management and the Board; influence strategy with data‑driven insights
Competencies
- Funding and Liquidity Risk mangement subject-matter- expertise in large commercial banking groups
- Regulatory liquidity risk subject-matter expertise with technical mastery of LCR and NSFR and deep experience of driving effective balance sheet/ funding allocation and growth strategies
- Sound Investor expertise
- Hands‑on experience engaging with prudential regulators and external auditors
- Strong data and modelling literacy (Excel, Power BI, Financial reporting systems)
- Banking regulation (Expert)
- Writing & reporting (Advanced)
- Presentation skills (Advanced)
- Understanding of systems used (Advanced)
- Excellent planning and organisational skills (Advanced)
- Excellent communication skills (Advanced)
- Relationship management and networking (Advanced)
- Strong performance management and coaching skills (Advanced)
- Ability to think creatively (Advanced)
- Ability to react positively under pressure (Advanced)
- Good understanding of the policies and strategies (Advanced)
- Understanding of Banking operating structures (Advanced)
- Change management (Advanced)
Education And Experience Required
- Minimum B-degree (NQF level no.7)
- 5+ years professional financial management experience
- Preferred team lead in a Treasury or Business Function teams or in professional environments
- Experienced in Senior Management and Committee management
- Broad Finance including strategic, commercial, legal, risk and operational aspects
- Ability to build, develop & lead professional level teams
- Understanding of the financial services sector within a professional business environment
- Knowledge of people change management
Education
- Postgraduate Degrees and Professional Qualifications: Financial Sciences (Required)
End Date: February 24, 2026
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Job Summary
- The purpose of the role to conduct an in‐depth, specialised and quality credit assessment and risk analysis on potential and a 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.
Job Description
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.
- 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 that 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.
- 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.
- Provide bank codes and reports on clients.
- 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
- 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.
- Contribute to the Non‐Interest Income by ensuring recovery of manual fees (e.g., Reviews, valuations) to avoid revenue leakages.
- Spread client's financials on the various Credit Risk Grading models i.e., Agri Model, RiskCalc Model and Triad.
- Provide the Default Grading (DG) output from the Credit Risk models.
- Capture all information on the various risk grading models 100% accurately by checking that all the models balance.
Client Solutioning and Customer Service
- Identify cross sell opportunities from analysis of Client's financials, account conduct and industry change and pass on to Relationship Executive/Transactional Banker as a lead.
- 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.
Teamwork 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 Relationship Banking 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:
- Planning and organising
- Working with people
- Writing and reporting
- Financial analysis
- Applying expertise and technology
- Entrepreneurial and commercial thinking
- Persuading and influencing
Other
Minimum Qualifications/Requirements
- Bachelor`s Degrees and Advanced Diplomas - Business, Commerce and Management Studies, Credit Risk with five years or more of relevant work experience.
- Strong computer skills and experience with Microsoft Office, especially Excel.
- Agricultural Credit Analysis experience (Advantageous)
Education
- Bachelor`s Degrees and Advanced Diplomas: Business, Commerce and Management Studies (Required)
End Date: February 25, 2026
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Job Summary
As a Specialist Business Development, you will be.
- responsible for managing a core portfolio of existing AVMS Fleet clients as well as
- identifying and pursuing acquisition opportunities for the bank within the fleet
- industry in the South African.
- responsible for driving revenue growth and providing consultative support to your
- existing as well as prospect clients within the fleet industry.
- required to work closely with existing as well as prospect clients to understand
- their needs, provide consultative support, and develop strategies to increase
- revenue and build long-term relationships.
- required to work closely with other members of the team to develop and execute
- client portfolio management as well as acquisition strategies that align with the
- bank's goals and objectives.
- responsible for conducting due diligence, negotiating terms, and ensuring
- successful completion of existing client requirements as well as for acquisitions.
- required to collaborate with other members of the sales and management team to
- drive growth and achieve company goals.
Job Description
- Manage a portfolio of existing AVMS fleet clients, acting as their primary point of contact.
- Build and maintain strong relationships with clients, acting as a trusted advisor and consultant for the business management of their fleet requirements and fleet operations.
- Conduct regular client meetings to discuss their ongoing fleet needs, business objectives, fleet management strategies, and financial products and services.
- Conduct needs assessments and provide consultative support as well as tailored solutions demonstrating expertise in fleet management practices, financial products, and services on an ongoing basis to clients based on their specific requirements and business objectives and the competitive landscape in the market.
- Identify opportunities for cross-selling and up-selling, and work with clients to develop customized solutions that meet their specific needs and objectives.
- Develop and implement sales as well as client specific strategies to increase revenue and market share
- Develop and maintain strong internal relationships across ABSA Business Banking as well as Corporate Investment Banking divisions as well as external networks.
- Prepare and present reports to senior management on acquisition opportunities, progress, and outcomes.
- Maintain up-to-date knowledge of industry trends, market conditions, and competitor activity Stay up to date on industry trends, market conditions, and regulatory developments that may impact acquisition opportunities.
Education and Experience Required
- 5 – 8 years in the fleet environment
- Bachelor's degree in business administration, sales, marketing, or related field or a NQF Level 6
- Proven experience in sales, business development or account management in the fleet industry
- Strong knowledge of fleet management practices, financial products and services, and the competitive landscape in the market
Education
- Bachelors Degree and Professional Qualifications: Business, Commerce and Management Studies (Required)
End Date: February 25, 2026
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Job Summary
- To develop tactical strategy and delivery plans, formulate associated practice/s and to ensure operational implementation and adoption i.t.o. credit risk management methodology, practice, governance and delivery objectives.
Job Description
- The Credit Origination Manager is responsible for managing and overseeing the end-to-end credit origination process. This includes taking ownership of limiting Risk by reviewing and approving credit applications, assessing creditworthiness, developing relationships with clients, and ensuring compliance with credit policies and regulations.
- The role also involves managing the delivery of a team, collaborating with internal stakeholders, and driving business growth by identifying new credit opportunities.
Key Responsibilities:
Credit Origination & Approval:
- Oversee the credit origination process, from client application to credit decision.
- Analyze and assess client financial data to determine creditworthiness.
- Review credit applications and ensure that all relevant information is gathered.
- Approve or reject credit applications in accordance with company policies and guidelines.
Client Relationship Management:
- Develop and maintain strong relationships with new and existing clients.
- Act as the main point of contact for clients throughout the credit origination process.
- Provide expert advice to clients on credit products and solutions.
Risk Management & Compliance:
- Ensure compliance with credit policies, procedures, and regulatory requirements.
- Collaborate with the risk management team to evaluate and mitigate risks associated with credit transactions.
- Monitor ongoing credit performance and take corrective actions when necessary.
Team Leadership & Management:
- Lead and coach a team of credit analysts who form part of the trio relationship with the banker team.
- Ensure Quality applications are delivered consistently by the team within agreed SLA’s
- Provide guidance, training, and performance evaluations to ensure team success.
- Foster a collaborative and high-performing work environment by creating a client service culture in all we do
- Encourage the team to generate ideas and seek out opportunities to share knowledge and build on their knowledge
Business Development:
- Identify new business opportunities and potential clients for credit products.
- Collaborate with sales and business development teams to drive growth in credit origination.
- Monitor market trends and competitor activities to stay ahead of industry developments.
Reporting & Analysis:
- Prepare reports on credit origination activities, performance metrics, and portfolio performance.
- Provide insights and recommendations to senior management regarding credit risk exposure and business opportunities.
Continuous Improvement:
- Continuously assess and refine credit origination processes to improve efficiency and reduce risk.
- Stay up to date on industry best practices and regulatory changes.
- Participate in Strategic project to enhance the efficiency of the business
Education
- Bachelor`s Degrees and Advanced Diplomas: Business, Commerce and Management Studies (Required)
End Date: February 25, 2026
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Job Summary
- The objective of the Investment Specialist is to be a specialist partner to the adviser’s business in Advice and Investments. Furthermore, to empower and influence advisers through specialized knowledge to enable them to give superior service and add value to clients and the broader Advice and Investments (A&I) business.
Job Description
Relationship Management
- To build and maintain meaningful relationships with Advisers, AIFA Regional Managers, branch staff and relationship managers in the Personal and Private Banking, Business Banking space through quality interactions (PPB) and Relationship Banking (RB)
- To act as a liaison between the Investments Product House and AIFA (Absa Insurance and Financial Advisers)
- Adviser visits as agreed with the adviser in the service level agreement
- Bi-annual IPSOS surveys to be conducted as a measure of service quality with Advisers
Target Achievement
Practice Management
- To contribute to business revenue by using Practice Management tools to ensure that there is always an opportunity available for an Adviser to make a sale through cross-selling opportunities.
- Practice View
- Business Plans
- Campaign management
- Ad hoc product compliance guidelines as requested by the Adviser
- To ensure that Advisers understand our advice philosophy
- To assist Advisers to increase needs met growth in Relationship Banking and Everyday Banking (Strategic Initiative)
Training & Product Knowledge
- To train Advisers and their staff on Investments Product House products, systems and processes
- To ensure that Advisers understand the investment philosophy, house solutions and funds
- To keep abreast of the markets and investment domain
- To source information on competitors as a way of gaining competitive advantage
- To update the Adviser on all process changes
- To update the Adviser on any product enhancements including pricing
- To engage branch staff by doing branch presentations on product and investment principles
- To support Digital and Online adoption strategies through training and campaigns
- Engage in quarterly product assessments to keep abreast of all products, process and system changes
- Liaise with Investments Product House regarding regular intermediary engagements
Sales Support
- To act as a liaison between the product house and the adviser force
- To support the AIFA Regional Manager with their sales initiatives
- To provide support on tools and information that will assist the Adviser in selling Investment products
- To improve service delivery to the Adviser by escalating and resolving relevant queries
- To facilitate book and client transfers to the product house platform
Collaboration
- To collaborate with product house stakeholders to provide input on product enhancements
- To collaborate with the Legal and Advisory and Risk Specialist to close business opportunities and retain clients
- To collaborate with the AIFA Regional Manager to coordinate campaigns and competitions in the regions
- To document a formalised Service Level Agreement with Advisers and Regional Managers
- To support regional and national campaigns and competitions
Required Education and Experience
- Bachelor’s degree or NQF 7 equivalent
- Up to 3-5 years' experience in a similar role or Investments related exposure
- FAIS Fit and Proper requirements applicable to this role
Education
- Bachelors Degree and Professional Qualifications: Business, Commerce and Management Studies (Required)
End Date: February 24, 2026
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Job Summary
- The objective of the Legal and Advisory Specialist is to provide comprehensive Fiduciary and Estate Planning support to advisers, bankers and clients in Private Bank, Business Bank and the Retail affluent space.
- Furthermore, to empower and influence advisers through specialised knowledge to enable them to give superior service and add value to clients and Advice and Investments Services.
Job Description
Advisory Services:
- Assist in providing identified Advisory services to High Net Worth clients of the Group and Bankers/Financial Advisers on fiduciary matters that fall within the ambit of the Financial Planning Institute (FPI) and the Fiduciary Institute of South Africa (FISA), with specific reference to Estate, Retirement and Insurance Planning.
- Assist in providing support in the usage of Wealth Planning techniques and structuring vehicles.
- Assist in drafting Estate Planning and Business Assurance proposals.
- Consult directly with the Bankers/Financial Adviser who liaises with clients.
- Provide support in the drafting of Wills and Trusts. Alternatively ensure that Wills and Trusts drafted by Absa Trust are according to the client’s needs and instructions given to Absa Trust.
- Provide specialised Advisery services to High Net-Worth Clients of the Group and Bankers\Financial Advisers or other stakeholders on Legal, tax and other complex financial planning matters that fall within the ambit of the FPI and FISA.
- Provide technical training in the specialised area of Wealth Planning techniques/skills to the Bankers.
- Support technical interpretation and usage of Wealth Planning structuring vehicles.
- Estate Planning Proposals, Trust Audit, and or Ownership Structure Proposals.
- To consult directly with clients and related Private Banker/Financial Advisers.
- As part of a national multi-disciplined Centre of Excellence, to assist other Specialists with experience and knowledge, as well as peer-reviewing any written advice to clients.
- To provide Regional Management with high-level knowledge of technical financial planning and estate planning aspects.
- To provide expert inputs as required in strategic projects/initiatives, forming a key part of the wealth planning intellectual capital in Absa Trust.
Stakeholder Management:
- Build strong relationships with both global and local internal and external stakeholders.
- Effectively communicate developments within areas of activity to all relevant stakeholders.
- Ensure impeccable and timeous service levels.
- Liaise with various Business Unit Heads within Absa Group.
- To liaise with Absa Trust Legal and Compliance to ensure alignment within Absa Trust in the areas of technical legal and compliance matters.
- To liaise with Absa Group specialists (i.e., Absa Group Tax, Absa Group Legal, Absa Trust, BPB&T, Wealth Advisery, etc.) to ensure alignment within Absa Group regarding all relevant technical matters.
- To liaise with our international partners in providing their offshore offering to High Net-Worth Clients.
Revenue Generation:
- Manage the commercial profitability of the Legal and Advisery Specialist team to ensure accomplishment of set revenue targets.
New and Revised Wills Target:
- Ensure the quality inflow of new segmented business from distribution channels (Private Bank and Business Bank by monitoring Sales Statistics from the relevant sub-segments.
- Ensure sales targets are met within all targeted distribution channels (Relationship Bank, Corporate and Investment Bank, Retail Bank, and all other distribution channels), by managing weekly and monthly statistics (i.e., results in conjunction with the management of above segments). Any divergences of the statistics will necessitate action planning with the segments in order to achieve the sales target.
- Send Will Applications directly to the Wills Drafting Office of Absa Trust.
- Review all Will Applications received via other channels (Relationship Bank, Corporate and Investment Bank, Retail Bank, and all other distribution channels) thoroughly i.e. the application form has been completed in full and that instructions to draft the Will is clear and free of any ambiguity before sending the documents to the Wills Drafting Office for drafting.
- Ensure that a proper Estate Plan is executed for the client by utilising different Estate planning tools such as Trust: Inter Vivos. Living. First Dying, Agencies and corporate structures.
Filing of Signed Wills:
- Maximise the safe custody of all signed Wills by training all Relationship Bank, Corporate and Investment Bank, Retail Bank, and all other distribution channels in terms of importance of having customers / clients Wills in safe keeping, thus ensuring a further stream of income to Absa Trust.
- Check that all signed Wills lodged for Safe Custody meet with the Legal requirements of the Wills Act by checking the correct execution thereof and the content and structure of the document.
- Coach all delivery channels on the Legal requirements on the execution of Wills by attending and advising in formal training covering legal aspects of Wills – this training is facilitated by Absa Learning and development on an ongoing basis. Thus, ensuring the Absa Group is not any risk for incorrectly executed documents.
- Ensure that the signed Will is filed in the Safe Custody office within the agreed turnaround time (i.e., from drafting to filing), by completing a transmission sheet that encloses all the Wills lodged for Safe Keeping to the Wills Control Centre. Check on a monthly basis the receipt from the Wills Control Centre balances to what has been sent to them.
Trusts (Inter Vivos., Living, First Dying, and Agencies):
- Advise and where applicable, create a Trust either Living or Inter Vivos depending on the needs of the client by completing a Trust application form and by obtaining all relevant Financial Intelligence Centre Act and Client Acceptance Screening Application requirements and the submission thereof to Absa Trust: Trust Division for the drafting of the said document.
- Ensure personal sales targets are met after mutual agreement by management on both Inter Vivos and Living Trusts, by training and coaching Relationship Bank, Corporate and Investment Bank, Retail Bank, and all other distribution channels on the knowledge of the product and the implication to tax saving and family protection. This will necessitate that correct sales' leads are received from Absa Trust in order to meet with personal sales targets.
Customer Service:
- Deal (telephonically, electronically, written communication, correspondences, and face to face) with clients both internally and externally on a professional basis to ensure that a high standard of customer service is given.
- Resolve customer complaints relating to the Fiduciary Industry (Wills, Trust and Estates) and ensure customer complaints are addressed and that the client is satisfied with the outcome within a period within 24 hours. Contact the client and ensure that the matter has been resolved.
- Build and maintain a relationship with various stakeholders (i.e. Relationship Bank, Corporate and Investment Bank, Retail Bank, and all other distribution channels) by continuously engaging and ensuring satisfactory client service and good relations.
- Escalate complaints, where complex matters cannot be resolved, relating to the Fiduciary Industry (Wills, Trust and Estates) to the Area Manager: within 24 hours.
- Drive a professional client services culture in the Absa suites / branches, by managing the turnover time of Wills drafted and the quality thereof (i.e., Wills that are forwarded to the Wills Drafting Office till the receipt thereof is within the Service Level Agreement times and that spelling errors within the document are corrected on the same day.)
Compliance:
- Adhere to ABSA compliance requirements and industry related legislations in order to maintain a high standard of service.
- Adhere to business processes and controls practice. non-adherence may lead to disciplinary actions.
- Complete all compulsory compliance and legislation training within the required timeframes as prescribed by Absa Risk.
- Adhere to risk and compliance policies in terms of Environmental Health and Safety, Information Security, Records Management and Money Laundering, Sanctions etc. Non-adherence to Absa's Policy and Procedures may lead to disciplinary action.
- Perform all other duties as reasonably assigned articles for colleague and Advisers.
Required experience and qualification:
- Experience in Fiduciary and Estate Planning (5 Years plus)
- LLB
- CFP will be advantageous
- Regulatory Exam for Representatives (RE5) will be advantageous
- Attest To Honesty, Integrity, and Good Standing
Education
- Bachelor's Degree: Law, Bachelor's Degree: Taxation
End Date: February 24, 2026
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Job Summary
- To develop tactical strategy and delivery plans, formulate associated practice and to ensure operational implementation and adoption across a single practice i.t.o. risk methodology, governance and delivery objectives.
- This role supports the executive, Fraud Solutions in delivering the Fraud Solutions Strategy, meeting the expectations of stakeholders by ensuring return on investment through outstanding business performance outcomes and execution that is guided by data and insights.
- The incumbent must have leadership experience as the role has a small team of experts focusing on delivering expertise outcomes.
- The role requires hands-on skills and experience in building strategies; performance reports supported by advanced PowerPoint and excel skills.
Job Description
- Effectiveness: Providing Subject Matter Expertise to Risk types, business owners with regards to moving performance and execution to next level. Provide own expertise through a hands-on execution approach in building submissions that are fit for Cluster Excos and Group Excos.
- Strategic Transformation: Ability to execute strategy to achieve a transformed business with improved productivity that is driven through identification and removal of process waste and implementation of technological solutions that would re-imagine and transform the Fraud Solutions business.
- Stakeholder Management: Build and Maintain effective Relationships with relevant stakeholders and functional fraud solutions heads including product owners and other key stakeholders with regards to understanding performance of each function and initiating proactive solutions and programmes to re-ignite performance while at the same time managing relationships with product service recipients to ensure that they are proactively managed on any performance gaps that may arise.
- Customer Experience: Proactively monitor outcomes that impact customers and propose solutions through the collaborative efforts of the head of fraud support and head of fraud customer experience.
- People Management: Develop a high performing Team that delivers error free products and are motivated to be part of Fraud Solutions family.
- Risk and Control: Adherence to Policies, Procedures and Regulations to ensure that standards are not compromised in collaboration with head of fraud controls. Risk Reporting: Identify, assess and Report key risks arising from significant events, investigations, audit and control issues across all functions, fraud types and in Product PQR.
Education
- Bachelor`s Degrees and Advanced Diplomas: Business, Commerce and Management Studies (Required)
End Date: February 24, 2026
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Job Summary
- An opportunity has become available for an experienced Change Assurance Leader to join our Group’s Internal Audit Change Assurance team which is housed by the Internal Audit Information Technology team.
- The incumbent will evaluate all aspects of portfolio, program and project change, and operate within a collaborative, agile environment to deliver value-added opinions and recommendations.
- The role will focus on providing assurance over the Group’s Strategic Change Book of Work with an emphasis on Strategic Initiatives (from business case straight through to benefits realization). Additionally, Change Management (e.g. organizational changes, BAU changes), also form part of this portfolio.
Job Description
- You will provide effective assurance in line with the banks governance, risk management, and internal control processes and be responsible and accountable for the quality of the audit work performed by the audit team.
- Strong Leadership experience in managing teams and extensive knowledge of Change, IT Systems and Internal Controls is required to succeed in the role.
- Build strong stakeholder relationships at a senior level, manage stakeholder expectations, maintaining a balance between positive relationships and grounded, quality reporting
- Connecting the dots and sharing relevant insights, in support of the board reporting cycles
- Nurturing healthy Change Assurance practices in the team, but also creating wider capabilities in Internal Audit for Change Assurance
- Drive audit planning and the appropriate level of synthesis to support accurate audit opinions
- Drive the automation of Change Assurance practices within the portfolio, in alignment with the overall assurance objectives of the Function
- Create and promote a positive work culture within the team and contribute to the overall portfolio and Function culture
- Monitor and manage the wellbeing of all team members throughout the lockdown period and beyond
- Support the transformation of the internal audit function, in terms of future-fit skills, automation and culture
- Guide, review and approve work carried out on audit assignments to ensure the scope of work is appropriate, controls are correctly identified, assessed and carried out in accordance with IA Methodology, policies, professional standards and budget
- Apply interpretive thinking to enable problem solving in complex and sensitive situations; act as point of escalation where senior leadership is required
- Promote a culture of efficiency through use of expert knowledge, agile and automated auditing techniques and commercial drivers to focus and deliver the audit plan and support the IA strategic direction
- Build relationships with the business on key initiatives, attending key committees and sharing their view of the business’s control assessments
- Actively contribute to the wider talent development of the team through coaching, mentoring, providing constructive feedback
- Attract and retain talented individuals who can contribute to the Change Assurance capability of the future, building a strong pipeline of skills and capabilities
Experience and Qualification:
- The ideal candidate should have strong technical audit skills combined with the ability to understand the role of the PMO (Project Management Office) and core strategic change capability.
- Relevant graduate and post graduate qualifications
- 10 to 15 years plus assurance experience, of which at least three should have been in a senior project assurance capacity
- Supporting project management certification, e.g. PMP, Prince2 or DSDM.
Education
- Postgraduate Degrees and Professional Qualifications: Financial Sciences (Required), Postgraduate Degrees and Professional Qualifications: Statistics (Required)
End Date: February 28, 2026
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Job Summary
- As an ex officio member of the Internal Audit (IA) Leadership Team, the Head of Quality Assurance and Improvement Programme (QAIP) is accountable for providing independent, objective assurance to the Chief Internal Auditor (CIA) and the Group Audit and Compliance Committee (GACC) on the quality, effectiveness, and ongoing improvement of the IA function.
- The role leads the design, implementation, and continuous evolution of the IA Quality Assurance and Improvement Programme, ensuring sustained conformance with the International Professional Practices Framework (IPPF), IIA Standards, regulatory expectations, and Group governance requirements, while progressively enhancing the relevance, impact, and value delivered by Internal Audit.
- The Head of QAIP acts as a trusted advisor and credible challenger to the CIA and IA Leadership Team by:
- Providing insight on emerging quality risks, systemic themes, and improvement opportunities across audit delivery, methodology, professional practices, and ways of working;
- Ensuring that audit quality is measured and managed not only through conformance, but through the consistency, insightfulness, and decision usefulness of IA outputs;
- Safeguarding the independence and objectivity of the IA function and its practitioners, and enabling transparent, evidence based reporting to the GACC.
- The role is responsible for embedding a future fit QAIP that encompasses traditional and technology enabled auditing, including data analytics, automated assurance techniques, and evolving audit enablement platforms, ensuring that quality standards keep pace with changes in risk, regulation, and the IA operating model.
- Through strong leadership of a specialist QAIP and Professional Practices team, the role ensures that Internal Audit maintains its reputation for excellence, credibility, and integrity across the Group and its geographic footprint, and continues to evolve in line with leading industry practice.
Job Description
Accountability: Leadership and Execution
- Support the Chief Internal Auditor (CIA) in the effective leadership of the Internal Audit (IA) function by providing independent challenge and advice on matters relating to audit quality, professional judgement, and adherence to agreed quality standards.
- Contribute to the development and execution of the IA strategy, ensuring that quality, sustainability, and continuous improvement are embedded as core enablers of IA effectiveness.
- Lead and prioritise QAIP initiatives based on risk, impact, and stakeholder expectations, ensuring focus on matters that materially influence IA credibility, effectiveness, and reputation.
- Drive a culture of accountability for audit quality across the IA function, ensuring quality ownership is embedded at all levels of audit delivery.
- Lead strategic projects and initiatives relating to QAIP and Professional Practices, as directed by the CIA or arising from quality risk assessments.
Accountability: Themes and Emerging Risks relevant to Quality Assurance and Professional Practices
- Identify, assess, and monitor emerging risks, regulatory developments, and industry trends impacting internal audit quality expectations through structured horizon scanning and external engagement.
- Analyse quality‑related themes and systemic issues arising from QAIP activities, internal assessments, external reviews, and audit outcomes, and ensure these are communicated clearly to IA leadership.
- Translate emerging quality risks and themes into actionable improvement initiatives that strengthen audit delivery, methodology, and professional practices.
- Identify quality risks arising from changes to the IA operating model, including new audit approaches, co‑sourcing arrangements, geographic expansion, and changes in risk profile.
Accountability: Audit Methodology
- Support the CIA in the development, maintenance, and ongoing evolution of the IA methodology to ensure it remains risk‑based, fit‑for‑purpose, and aligned to IIA Standards, regulatory expectations, and Group policies.
- Ensure the IA methodology adequately supports both traditional and technology‑enabled auditing, including data analytics, automated testing, and continuous assurance techniques.
- Establish and maintain minimum quality standards for audit planning, execution, documentation, and reporting, including analytics‑enabled audits.
- Ensure alignment between the IA Audit Enablement System, methodology documentation, and supporting templates.
- Ensure timely communication, training, and embedding of methodology changes across the IA function, including onboarding of new joiners.
Accountability: QAIP (including Professional Practices)
- Design, implement, and maintain an industry‑leading Quality Assurance and Improvement Programme in accordance with the latest IIA Standardsand related guidance.
- Implement independent quality assurance mechanisms to assess the quality, consistency, and effectiveness of IA work, and ensure appropriate remediation actions are defined, tracked, and embedded.
- Define and monitor outcome‑based quality metrics that assess both conformance with standards and the insightfulness, clarity, and decision‑usefulness of IA deliverables.
- Provide independent assurance on the effectiveness of IA’s quality management system, including the sustainability of remedial actions.
- Safeguard the independence and objectivity of the IA function and its practitioners, supporting the CIA’s attestations to the GACC.
- Escalate material quality concerns, recurring themes, or unresolved issues to the CIA and, where appropriate, directly to the GACC, supported by evidence‑based analysis and clear recommendations.
- Deliver clear, insightful, and balanced reporting on QAIP matters to the CIA, IA Leadership Team, and GACC.
Accountability: Internal Assessments
- Evaluate IA’s conformance with IIA Standards, the IA methodology, the Code of Ethics, and relevant regulatory expectations across audit delivery and supporting activities.
- Assess the effectiveness and consistency of professional judgement applied in audit planning, execution, and reporting, including risk assessments, ratings, and conclusions.
- Assess audit risk and IA effectiveness through a range of QAIP assessment approaches, including thematic reviews, deep‑dives, and portfolio‑level analysis.
- Assess the efficiency and effectiveness of IA activities across the Group’s geographic footprint.
- Lead constructive discussions with IA management on quality observations, ensuring balanced consideration of viewpoints while maintaining independence.
- Provide timely, high‑quality reporting on internal assessment results, trends, and remediation progress to the CIA, IA Leadership Team, and GACC.
- Accountability: External Assessments
- Act as the primary point of accountability for the planning, coordination, and delivery of External Quality Assurance Reviews (EQARs) and other independent assurance reviews of IA.
- Ensure IA readiness for external reviews, including proactive identification and remediation of potential quality gaps.
- Analyse findings from EQARs and external reviews to identify strategic improvement opportunities and benchmark IA practices against leading peers.
- Provide assurance to the CIA and GACC on the timely and effective closure of all externally identified quality findings.
Accountability: Maintenance and Processes Support
- Maintain QAIP and Professional Practices process documentation and templates that are clear, current, proportionate, and value‑adding.
- Periodically review QAIP processes and tools to ensure they remain efficient, practical, and aligned to IA ways of working.
- Support the review of audit reports and deliverables as part of IA quality governance forums, including the IA Quality Circle.
Accountability: Learning and Development initiatives to address improvement areas
- Translate QAIP findings, quality themes, and assessment outcomes into targeted learning, coaching, and capability‑building initiatives.
- Partner with IA Learning and Development to design and deliver training that addresses identified quality and capability gaps.
- Support the development of quality‑focused leadership capability within IA management, including coaching on professional judgement, challenge, and audit conclusion formulation.
- Contribute to succession planning by identifying and developing future Professional Practices and QAIP leaders within the IA function.
- Line Manager responsibilities and other relationships
- Lead and manage a specialist QAIP and Professional Practices team to efficiently deliver independent quality assurance, improvement initiatives, and assurance outcomes in line with the approved QAIP.
- Provide clear direction, performance management, coaching, and development to team members, ensuring the sustainability of quality capability within the IA function.
- Maintain close and effective working relationships with the Chief Internal Auditor, IA Leadership Team, and Extended Leadership Team to support continuous improvement in audit quality, methodology, and professional judgement.
- Exercise independent challenge in engagements with IA management where quality, consistency, or objectivity may be at risk, while maintaining constructive and professional relationships.
- Maintain professional and credible working relationships with external auditors, independent assessors, and other assurance providers in the context of External Quality Assurance Reviews and related activities.
- Oversee and manage co‑sourced and externally provided QAIP and Professional Practices resources, ensuring quality standards, independence, and value for money are maintained.
- Engage with IA Learning and Development to translate QAIP findings and skills assessment outcomes into targeted capability‑building initiatives across the IA function.
- Where required, engage directly with the Chairman of the GACC and senior stakeholders on QAIP‑related matters, including quality themes, systemic issues, and remediation progress.
Education and Experience:
- Relevant professional qualifications in Internal Auditing, Accounting, Risk Management, or related disciplines (e.g. CIA, CA(SA) or equivalent).
- Certification or formal training in Quality Assurance and Improvement Programmes and/or External Quality Assurance Reviews is strongly preferred.
- Ongoing professional development in areas such as internal audit standards, professional practices, and technology‑enabled auditing (including data analytics) is required.
- Financial services industry experience, preferably within the Banking sector or a similarly regulated environment.
- A minimum of twelve to fifteen years’ experience in risk‑based internal auditing, risk management, or risk and control activities, with demonstrable experience in Quality Assurance and Improvement Programmes within an Internal Audit function.
- Practical experience in the execution and/or management of internal quality assessments, including file reviews, thematic reviews, and methodology conformance assessments.
- Experience supporting or managing External Quality Assurance Reviews (EQARs), regulatory inspections, or independent assurance reviews, either within an Internal Audit function or through an external assurance provider.
- Experience operating within complex, matrixed, and geographically dispersed organisations, including oversight of co‑sourced or outsourced audit delivery models.
- Knowledge and Skills:
- Extensive experience in risk‑based internal auditing, risk management, or risk and control activities within a complex, regulated environment.
- Deep understanding of the International Professional Practices Framework (IPPF), IIA Standards, and quality assurance expectations, with the ability to apply these pragmatically in practice.
- Strong capability to exercise sound professional judgement and to evaluate the appropriateness, consistency, and insightfulness of audit conclusions, ratings, and recommendations.
- Ability to communicate clearly, credibly, and with influence at very senior levels, including Audit Committee and executive management.
- Demonstrated experience in driving sustainable change and continuous improvement, translating quality findings into practical actions that enhance audit effectiveness and impact.
- Ability to think and operate at an enterprise‑wide level, balancing quality standards with delivery realities across diverse portfolios, geographies, and delivery models.
- Proven experience leading and developing teams in complex, matrixed environments, with an adaptable leadership style and a strong focus on talent development and performance management.
- Working knowledge of technology‑enabled auditing approaches, including the use of data analytics, automated testing, and audit enablement platforms, sufficient to assess quality and fitness for purpose.
- Strong analytical and problem‑solving skills, with the ability to identify root causes of quality issues and assess the sustainability of remedial actions.
- Demonstrated thought leadership, pragmatism, and professional credibility, with the ability to influence quality outcomes without compromising independence or objectivity.
Education
- Postgraduate Degrees and Professional Qualifications: Financial Sciences (Required), Postgraduate Degrees and Professional Qualifications: Statistics (Required)
End Date: February 28, 2026
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