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 purpose of the role is to design, implement and monitor the effectiveness of end-to-end strategies across Credit Risk Acquisitions, Pricing and Profitability for the Personal Loans portfolio.
- This includes optimizing underwriting and affordability assessment frameworks, driving sustainable growth within the portfolio’s risk appetite, and shaping pricing strategy to ensure portfolio profitability while balancing customer affordability and risk.
Job Description
Key Accountabilities
Monitor and Report on Acquisitions Risk Performance
- Monitor production levels, customer mix, and early delinquency/risk trends.
- Track acquisition performance against portfolio risk appetite and profitability targets.
- Provide insight to senior leadership on growth vs. risk trade-offs.
Policy, Affordability & Underwriting Rules
- Maintain and enhance policy and affordability rules in line with regulatory requirements and business risk appetite.
- Regularly review and refine rules to balance approval rates, customer affordability, and portfolio quality.
- Ensure alignment of credit policy across acquisition channels.
Pricing & Profitability
- Develop and implement risk-based pricing frameworks for Personal Loans.
- Monitor and adjust pricing strategies to optimize risk-adjusted returns, considering funding costs, operational expenses, and expected credit losses.
- Conduct profitability analyses and recommend portfolio pricing adjustments to ensure competitive positioning and sustainable growth.
Strategy Development & Implementation
- Lead the design of end-to-end acquisitions and pricing strategies that drive profitable growth.
- Use predictive analytics, segmentation models, and customer insights to refine strategies.
- Partner with Finance, Product, and Distribution to align strategy with business growth objectives.
People Management
- Lead and develop a team of analysts/managers to deliver on acquisitions and pricing strategies.
- Ensure performance development plans are aligned to business objectives.
- Build and maintain a high-performance culture through coaching, recognition, and development.
- Recruit, retain, and manage top talent with the support of HR.
Education & Experience
- Bachelor’s degree in Risk Management, Actuarial Science, Statistics, Mathematics, Finance, or equivalent (NQF level 7).
- Minimum 5 years’ experience in Credit Risk within Retail Banking, with specific exposure to acquisitions and/or pricing.
- Proficiency in SAS and advanced Excel.
- Knowledge & Skills
- Credit Risk modelling and analytics.
- Underwriting strategy and affordability assessment.
- Pricing methodologies, Net Interest Margin, and risk-adjusted return measures.
- Strong statistical, quantitative, and analytical skills.
- Customer analytics and segmentation models.
- Understanding of financial accounting, cost allocation and profitability drivers.
- Strong communication, influencing and stakeholder engagement skills.
- Leadership, team management and project management capabilities.
End Date: October 3, 2025
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Job Summary
- Provide strategic leadership in financial resource management by integrating profitability, earnings volatility, capital, liquidity, and balance sheet insights into decision-making frameworks.
- Shape the cluster’s return architecture by defining and managing hurdle rates, challenging pricing methodologies, and ensuring strategic alignment with bank-wide capital efficiency goals.
- Drive optimization through oversight of profitability, pricing performance, and resource consumption, translating financial strategy into actionable targets. Act as a key advisor to senior stakeholders, ensuring that product-level decisions reflect strategic value, risk appetite, and sustainable return delivery.
Job Description
Strategic Analytics & Resource Optimisation
- Shape and grow earnings through client acquisition; pricing; capital and balance sheet strategies to support business growth and financial resilience.
- Assess and optimize capital allocation efficiency with cognisance of the Growth/Return/Volatility FRM framework.
- Evaluate resource allocation proposals and contribute to enterprise-level prioritisation aligned with return objectives.
- Use advanced analytics to identify client/revenue/lending portfolio tilts and strategic investment areas across customer segments.
- Translate financial insights and medium term strategies into actionable recommendations on resource deployment and performance improvement.
Financial management and Business Partnering
- Guide the setting and translation of performance targets to business units and products.
- Monitor return delivery and provide insights to optimise portfolio and pricing outcomes.
- Support robust governance across financial resource decisions, pricing practices, and performance monitoring.
- Ensure consistent application of frameworks that support disciplined financial management.
- Provide thought leadership through financial insight and external benchmarking.
- Partner with senior stakeholders across business, finance, risk and treasury to embed FRM principles into core decision-making.
Strategic Analytics and Resource Optimisation
People Management
- Develop internal capability by developing the FRM skillset within the broader bank, to ensure the necessary resources are in place to achieve business strategy and objectives.
- Implement the people management strategy for the area, in collaboration with the HRBP for the business unit, focusing on talent management, development, resourcing, and retention.
- Embed formal Performance Development and informal coaching within the team.
- Motivate the team and implement measures to recognize and reward direct reports.
- Inspire team members through coaching and mentoring, helping them to perform optimally in alignment with the vision and values, and create a sense of urgency and excitement around the business.
Education and Experience Required
- Minimum B-degree (NQF level no.7) Desired Post Graduate Degree (NQF level no.8+)
- Preferred team lead in Treasury; Loan pricing or Credit Capital & Impairment modelling teams, or similar technical banking environments
- 5+ years professional financial management (including loan pricing) and/or credit risk management experience
- 5+ years Banking Experience at a management level
- Experience in business transformation contexts related to exponential business growth
- Experience in commercial innovation environments
- 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 & Skills:
- Strong understanding of the revenue levers within a Retail bank (Advanced)
- Writing & reporting – seeking ability to condense technical information into understandable and actionable reports (Advanced)
- Presentation skills and comfort in presenting to executive level/C-suite (Advanced)
- Proficiency in data analysis tools (Excel and at least one programming language (primarily SQL, Python or SAS)
- Banking regulation in Credit risk (Expert), and/or Basel Capital (Advanced)
- Understanding of corporate controls and checks (Advanced)
- Computer literacy (Expert)
- Excellent organizational skills (Advanced)
- Relationship management and networking (Advanced)
- Ability to react positively under pressure (Advanced)
Competencies:
- Banking product economics thinking
- Entrepreneurial and commercial thinking
- Decision making under pressure
- Action orientated with less than whole-picture information
- Curiousity and questioning the status quo
- Adapting and responding to change Planning\
- Learning and researching
- Planning and organising
- Relating and networking, Leading and supervising
Education
- Postgraduate Degrees and Professional Qualifications: Financial Sciences (Required)
End Date: October 4, 2025
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Job Summary
- The Senior Product Manager oversees the full lifecycle and commercial performance of value-added products, driving strategic growth and sustainable revenue. They ensure products are market-ready, compliant, and optimized for user value.
- The role requires cross-functional collaboration with teams across finance, tech, marketing, legal, and operations to deliver impactful product outcomes.
Job Description
- The Product Manager is responsible for managing the end-to-end lifecycle of a single product or portfolio of products. As part of the growth agenda, this includes the management of the product’s overall commercial performance (Profit & Loss Statement), the product strategy & roadmap together with the associated revenue funnel required to grow the product lines sustainably into the future.
- As part of the run agenda it is the product manager’s responsibility to ensure that product’s on offer in the market are functional, compliant, risks are managed and products are promoted to maximise penetration and value extraction from the product user base.
- This role will act as the primary liaison between various enablement functions such as pricing, finance, digital, technology, product development, ECM/Portfolio management, operations, marketing, change, partners/vendors, regulatory, risk, legal and compliance teams.
Key Responsibilities:
Product Strategy/ Roadmap Development & Commercialization
- Undertake research on new products, conduct competitor benchmarks, monitor global/local market trends, collaborate with partners to identify product gaps and/or opportunities
- Continuously evaluate emerging industry trends, competitor ecosystems, and potential new collaborations to future-proof the bank’s portfolio.
- Develop the product strategic vision and translate the strategy into new products and/or initiatives on the product roadmap
- Commercialize the products and/or initiatives on the product roadmap
- Maintain a revenue funnel/ pipeline for the entire product portfolio that informs execution/ Book of work prioritization as part of the short and medium-term planning cycles (STP & MTP)
Product Change Execution
- Drive the scheduling, development and launch of new products, and initiatives by working closely with product development, digital, technology, change teams, partners/vendors ensuring that these are managed and delivered on time
- Feed specialized product design and specification requirements into the development process and work closely with analysts and designers to ensure that it has been catered for in the business requirements document and user journey’s
- Lead the NAPA (New and Amended Product Approval) process ensuring that all risk, legal, compliance, fin-crime and regulatory requirements are met
- Develop the Go-to market operationalization and commercialization plan by working in collaboration with pricing, ECM/ campaigns, marketing, communications, front-line and operations teams
Product & Commercial Management
- Manage the product commercial performance (P&L) – cost and revenue and associated Key Value Drivers (KVDs) across the product lifecycle in support of the business's financial ambitions
- Report on the performance of products against the KVDs as part of business review engagements
- Set, interlock and drive KVD / Revenue targets with sales teams and the front-line
- Ensure that all products in market work (i.e. are fully functional across the front and back-end) and are fulfilling the needs of customers
- Constantly seek ways to enhance and optimize product performance by identifying and remediating operational, system, GL breaks, revenue leakages and managing customer complaints as part of voice of customer insights monitoring
- Develop and ensure the implementation of business processes required to support the effective running of the products
- Drive product awareness, maximise penetration and value extraction from the existing product user base in addition to growing the active user base by working in close collaboration with ECM, portfolio management, marketing and communications teams
Partnerships management
- Identify, assess, and onboard new partners across the product ecosystem, including service providers, technology platforms, and distribution channels to expand the product offering.
- Establish clear partnership objectives, commercial models, and governance frameworks to ensure alignment with business strategy and long-term value creation.
- Maintain strong relationships with existing partners through regular performance reviews, joint business planning, and continuous service optimization to drive mutual growth.
- Develop and negotiate commercial agreements that maximize revenue potential, ensure cost efficiency, and align with the bank’s strategic objectives.
- Monitor partner performance through data-driven insights, identifying opportunities for enhancement, issue resolution, and value extraction from the ecosystem.
Risk Management
- Ensure that products and services are designed and implemented in line with internal risk standards, regulation, Treat Customer Fairly principles to ensure best in class management of Conduct Risk
- Identify strategic and operational product risks, raise necessary risk events and ensure implementation of required risk mitigation strategies working closely with first and second line risk teams
- Ensure a robust third-party risk management framework to assess, monitor, and mitigate risks associated with partners, including operational, financial, regulatory, cybersecurity, and reputational risks.
Skills & Qualifications:
Core Competencies:
- Strong communication and interpersonal skills to manage relationships with stakeholders at all levels.
- Ability to translate business needs into actionable product features and requirements.
- Experience working in Agile product development environments.
- Strong problem-solving and analytical skills, with the ability to think strategically and make data-driven decisions.
- Customer-centric mindset with a focus on delivering valuable products.
Educational Background:
- Bachelor's degree in Business, Finance, Information Technology, or a related field.
Industry Experience:
- 3-5 years of experience in product management, preferably within the banking or financial services industry.
- Experience in developing, managing, and scaling VAS offerings, such as airtime and data top-ups, bill payments, digital vouchers, loyalty programs, insurance add-ons, and embedded finance solutions.
- Strong commercial and partnership management expertise, working with merchants, telcos, content providers, and third-party service providers to expand the VAS ecosystem and drive adoption.
- Understanding of customer behavior, monetization strategies, and ecosystem dynamics for VAS products, ensuring high engagement, retention, and revenue growth through embedded solutions and cross-sell opportunities.
Technical Skills:
- Understanding of banking technology stacks and digital banking platforms.
- Familiarity with Agile tools (e.g., Jira, Trello) and project management software.
- Basic knowledge of data analysis tools (e.g., Excel,) to track product performance.
Personal Attributes:
- Strategic Thinker: Able to define a vision and align it with business goals while keeping an eye on customer needs.
- Collaborative: Works well with a range of stakeholders and teams, fostering cooperation and open communication.
- Detail-Oriented: Pays close attention to detail, ensuring product features are delivered with high quality and consistency.
- Adaptable: Can adjust to changing priorities and is comfortable working in a fast-paced, dynamic environment.
Education
- Bachelor`s Degrees and Advanced Diplomas: Business, Commerce and Management Studies (Required)
End Date: October 6, 2025
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Job Summary
- This role will be accountable to the Absa Group Head of Financial Crime for the execution of the AGL Compliance strategy. The role will also offer a service to all areas of Compliance including assistance with business optimisation, data analytics and AI, and change, post-implementation enhancements of strategic systems.
- There is also a key role to be played outside of the function, when group-wide projects owned by Compliance but need to be executed across the whole organisation, in order to meet regulatory commitments. This role owns the large-scale programmes to ensure group-wide execution across the bank results..
Job Description
Key Accountabilities
- Accountability: Strategy Execution (incl. Change, Digital and Data, Process and Org. Design)
- Defining and Executing Change - acts as a catalyst for change and inspires confidence in stakeholders with the quality and conviction of their vision, building support and sponsorship at all levels and ensures the need for change is embedded.
- Execution Leadership: Lead a multidisciplinary team, to ensure the successful delivery of the transformation initiatives
- Change Management: Develop and implement change management strategies to facilitate the adoption of the new business models and processes as well as the technology across the business units and functions of the bank.
- Driving Continuous Improvement and Innovation: Shapes and drives a culture of review and improvement across the organisation. Strives to continually improve business processes that impact positively on the business and uphold the values.
- Ensure functional co-ordination and delivery of all Technology and Process change programmes.
- Ensure that Data is used as a strategic asset in the effective and efficient execution of the Compliance Strategy
- Management of one Functional Book of Work that unlocks the functional delivery strategy – where required provided these services to other functions such as Legal and Internal Audit
- Ensure the Group Compliance Book of Work is aligned to that of the enterprise strategy and prioritised in line with Functional aspirations.
- Oversee the execution of the Book of Work delivery for the Function, and provide advice and counsel to Functional and Project leadership (Executive Sponsors) to ensure that the project methodology is robust and in line with Group Policy and standards.
- Ensure that the appropriate return on investment (ROI) is realised by building a culture and discipline of benefits tracking.
- Ensure that Technology solutions implemented into Compliance are fit-for-purpose, align to the bank’s architectural standards, and enable the Strategy
- Manage the transition from Project to Operations, and ensure Compliance Technology Operations are appropriately and effectively managed, and where necessary escalated to Head of Functions Technology or Chief Information Officer
Accountability: Risk Management
- Risk Management: Identify potential risks and issues associated with the implementation and develop and manage mitigation strategies to minimise execution risk and protect business value. Adopt the ‘Think Big, Start Small, Learn Fast’ approach to ensure that the programme never becomes too big to fail, that benefit aligns closely to investment.
- Ensure optimal and compliant operational control environment of any projects, processed or Target Operating Models implemented in the Compliance Function in line with the risk and control requirements of the Group.
Accountability: Financial and Skills Management
- Drive the financial planning cycles for Compliance and manage costs within approved budget and work with Finance to ensure optimal efficiency.(both Strategic Investment and BAU Operating Costs)
- Spend Management: Manage the spend for the Transformation implementation, ensuring efficient allocation of resources and cost control, controlling with range, ensuring efficiency of spend.
- Ensure fund allocation is driven by the strategic imperatives, and to facilitate the achievement of the key strategic metrics committed to group
- Work with the Procurement to improve good governance and transformation in relation to the sourcing of external suppliers and vendors and the negotiation of service delivery expectations.
- Translate short and medium term business strategy into resourcing and capability needs for the Compliance Function, identify gaps, implement measures to close gaps.
- Together with the Human Capital partner, devise a Compliance talent acquisition and development strategy, measure function wide and team performance.
- Drive strategies to ensure the business unit attracts, retains and develops talent, giving due consideration to the transformation agenda.
- Develop partnerships for cooperation, talent swaps, internships etc, with other area, with a view to derive skills development in the areas which will be needed to execute on the strategy
Accountability: Key Stakeholder Management
- Technology Partner Management : Collaborate with Tech partners to ensure smooth delivery of all strategic initiatives requiring technology, ensuring the latest and most appropriate tools are implemented, in a an agile, controlled and client-centric way
- Group Data Office Alignment : Collaborate with Group Analytics office, to ensure alignment of Data initiatives across the bank that impact Compliance, and ensure maximum collaboration across Data areas in the bank
- Vendor Management: Collaborate, lead with the partners to ensure the Transformation initiatives meets the bank's strategy, requirements and is delivered to our commitments on schedule and within budget.
- Stakeholder Communication: Maintain effective communication with key stakeholders, including AGL Executive, AGL board members, Regulator, Efficiency Exco, Operations Review Forum, Strategy Realisation Forum, Compliance Exco, ExOps and colleagues, to keep them informed about the progress and benefits of the transformation
Education: (preferred)
- Degree in Science, Engineering or Commerce would be an advantage, or at least 10 years Project Management / Operational Transformation Experience
Required Experience: (preferred)
- Fifteen (15) years’ experience in the Banking/Financial Services sector
- Ten (10) years’ experience Strategy Execution and Operational Transformation in Financial Services, preferably in Banking
- Ten (10) years’ experience on a senior management (Director) level in a large Corporate
- Five (5) years’ experience in Financial Crime and/or Compliance in a large regulated Financial Services institution
- Proven experience in implementing large scale Transformations within a Tier 1 Bank
- Proven track record of successfully delivering large-scale, complex, and strategic technology initiatives.
- Experience with technological advancements, digital transformation, and innovation in financial services environment.
- Change management experience preferably on a Pan African scale.
Education
- Postgraduate Degrees and Professional Qualifications: Business, Commerce and Management Studies (Required)
End Date: October 6, 2025
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Job Summary
- Work as part of a DevOps team, leverage specialist analysis & testing tools, frameworks, techniques and practices to elicit, define and organize business requirements.
- Translate & document business requirements into user stories & specifications (Full Stack, Cross System) detailing integration points, business & associated risk / opportunities to be realised.
- And following this analysis, work collaboratively within squads during design & delivery activity including assuming responsibility for manual application testing processes, frameworks & outcomes
Job Description
Analysis (including Business Case)
- Proactively build relationships, apply analytical techniques to elicit and validate business (product & service) needs ahead of demand
- Implement routines to get to know / become an expert in various business processes (e.g. spend time in business & with users)
- Translate elicited needs and knowledge acquired into user story format that is immediately usable for DevOps teams (right languaging, format for building & testing)
- Prepare and prioritise the backlog of requirements for the user stories linked to the proposed solutions
- Work collaboratively with Tribe Leads (Technical Product / Service Owners) to build a roadmap & vision for the products and services (including detailed analysis requirements & solution scope)
- Define measures of success & key outcomes for various solutions / changes including detailed acceptance criteria for all features
- Define testing requirements (pass or fail test cases)
- Support the development of detailed business cases (including defining solution characteristics, effort estimations etc.)
Solution Design (within DevOps Context)
- Translate business requirements into detailed systems requirements. Detailed system requirements must include all capabilities, interfaces and functionalities within and across technologies.
- Build detailed user stories to be leveraged for system requirements design (modular)
- Leverage business analysis & modeling tools and apply notation standards such as UML/BPMN to diagrammatically/visually document: business requirements, business processes, system processes & integration .
- Facilitate processes to ensure integrated requirements are socialized, understood & approved across the broad range of stakeholders to be impacted (this includes various processes e.g. risk / governance forums, change council, scrum meetings / DevOps team capability building, solution design sessions etc.)
- Understand & leverage knowledge on the organisations technical landscape, environment and broader architecture to define integration points across tech stacks for various requirements
- Work collaboratively with project / program teams, squads, scrum masters and engineers to define backlog, release & DevOps / project planning implications of the requirements development & roadmap (what should happen when)
- Continuously improve system requirements mapping (e.g. leverage input from questions asked etc. to consistently improve the quality of the requirements analysis for easier interpretation by the development teams)
- Work as part of the embedded DevOps team throughout the design process to review solution design (features and functionality)
- Facilitate resolution during development & testing phases for any change requirements
Solution Delivery & Testing (manual)
- Define the manual testing strategy & test cases for various solutions (where it makes sense to do so)
- Define & validate quality & testing parameters (+/-) & plans for the solution (socialize & translate these to automation testing teams)
- Develop manual testing frameworks and patterns for the solution
- Lead the manual testing process for various solutions (e.g. execute test cases, analyse results)
- Provide real time feedback to the DevOps teams on change requirements identified throughout the testing process
- Review & monitor system stability, resilience etc. throughout the testing process (e.g. integration) & in production
- Define & monitor overall backlog planning for effective solution delivery
- Provide Developer & User support during user acceptance testing
People
- Provide coaching & mentoring across the DevOps team as well as to developing analysts across the estate
- Conduct peer reviews & problem solving within and across the broader team
Education
- Bachelor's Degree: Information Technology
End Date: October 6, 2025
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Job Summary
- Design automation testing plans and develop automation test scripts for multiple technical products / services (pre, during & post deployment) in both ‘Run & Change’ contexts and align to chosen application testing frameworks & guidelines.
- Testing may apply to all or a combination of the following front-end, back-end, integration, performance, scalability and regression testing of solutions. This entails full responsibility for ensuring products are protected through quantifiable test coverage & metrics.
Job Description
QA Engineering
- Proactively contribute & participate in the full solution development lifecycle as a member of a squad / multiple squads as an QA automation specialist engineer
- Actively participate in daily Scrum and project planning meetings.
- Participate and analyze test automation requirements during the requirements analysis phase of technical product & service development, maintenance & optimization (across tribes & squads) – using design specifications and technical documentation (e.g. Business Briefs, User Stories, Architecture & Integration documentation)
- Prepare QA & Automation testing documentation (planning, design, execution and sustainability)
- Develop automation test plans
- Develop and execute automated test scripts using various technologies (automated scripts, test harnesses, SQL scripts etc.)
- Perform various types of automation testing (regression, integration, black box, scalability)
- Evaluate automated test cases and analyse & report results
- Facilitate test plan / case reviews within squads
- Work with product engineers to evaluate software / solution quality & provide recommendations for improvement / enhancement
- Contribute to the design and selection of testing frameworks for business applications
- Deliver all automation & technical testing deliverables on time (always)
- Provide the required project / scrum related information / feedback on deliverables (e.g. progress, tracking, quality etc.)
- Conduct performance monitoring on applications / components of applications for which you’ve designed and executed test scripts / plans
- Produce quality and testing outcome metrics and reports
DevOps
- Follow engineering best practices and continuously improve on engineering knowledge to successfully shift our QA capability forward
- Leverage coding language understanding & expertise to deploy testing requirements for specific products / services
- Understand the full technical solution that is being tested – show interest and capability to run the technical solution & the ability to test the viability of the code being developed
- Shift from testing features to supporting & being accountable for full product delivery
Risk & Governance
- Ensure compliance with technical risk and governance requirements
- Ensure work is compliant with automation testing frameworks and standards
- Proactively identify and communicate risks ahead of need
- Participate in Business Continuity, Disaster Recovery, Incident Management processes as required and implement mitigating actions
People
- Participate in peer reviews & continuously develop automation testing awareness & capability across squads
Education
- Bachelor's Degree: Information Technology
End Date: October 6, 2025
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Job Summary
- The Head of Distribution: Index Solutions will manage distribution for the Index Solutions business. This will include distribution responsibility for ETF’s, Retail Structured Products, Index and Fund Linked Solutions.
The candidate will be required to:
- Contribute to the implementation of the overarching business strategy for the Index Solutions business.
- Define and manage the distribution strategy for individual product lines.
- Interlock with the product & trading teams (where appropriate) to ensure product development, pricing and delivery meets client expectations.
- Interlock with technology and product teams to ensure platform capability and development meets distribution expectations.
- Ensure delivery of budget for individual product lines.
- Manage distribution teams within product lines to deliver on growth & revenue expectation.
- Provide input into Structured Solutions Management team.
Education and Experience Required
- Relevant Tertiary qualification e.g. CA (SA), BCom, CFP or progress towards one would be advantageous
- Minimum of 10-year structured solutioning and/or trading experience
- Deep understanding and experience in a sales environment with retail and institutional brokers
- Minimum of 5-year relationship management experience
- Minimum of 10 years working for Top tier bank and/or Asset Manager
- Must have proven track record in design and launch and distribution of strategic cross asset product and/or indices
Job Description
Key Accountabilities
Client Focus:
- Working across products/capabilities with variety of internal distributors to support efforts with external brokers and applicable institutional clients to grow investment business.
- Effectively meeting client (internal and external) needs; building inspiring relationships; and taking responsibility for client experience.
- Establish a close working relationship with other value chain components and key stakeholders to ensure a holistic, integrated approach to the client.
- Monitor the degree of positive impact that the sales strategy is having on the customer and identify and provide feedback into the system in terms of key improvements and interventions required.
- Strive to help business unit exceed budgets in responsible, compliant, client focused manner.
Product Strategy and Planning (in conjunction with trading and structuring where appropriate):
- Own and develop strategic initiatives and build out cross-asset strategy index and solutions business with the indexation and sales teams’ inputs.
- Own and develop systematic investment strategy initiatives and build out cross asset strategy index and solutions business with the indexation and sales team’s inputs.
- Continuously evaluate the external environment and assess the impact on the area's activities. Where required, discuss any changes which will result in an overall strategic impact with the accountable heads, thereafter, make the agreed amendments to plans.
- Lead and be a key input into the decisions with regards to the bank’s product development and distribution vision and engage with other accountable heads to create synergies and leverage off other distribution channels with the aim of increasing the contribution made by Multi Asset Structured Solutions structuring to the firm.
- Make sure that the processes and documentation related to the products are in place (through the Product Development area) and this includes product manuals, product collateral, product training mechanisms and launch toolkits.
- Conduct a post implementation review in respect of product performance and general progress of all launched products through the new product approval process. This entails assessment of sales performance of the product within a given period (e.g. 6 months).
- Review and modify existing product performance to maximize profitability and meet customers’ needs.
- Understand and interpret products based on robust analysis and alignment with the respective portfolio strategy i.e. financial models, customer survey findings and overall product strategy. This insight will help to make informed decisions as to the future direction/strategy of the relevant product portfolio. Assume responsibility for performance monitoring and proactive management of the products by understanding the key performance drivers including behavioural trends, financial indicators and growth/performance metrics.
- Review the product offering and profitability on an ongoing basis to determine its penetration to the market, validate budget and make recommendations to expand, maintain or discontinue a given feature.
- Undertake regular competitor and non-competitor analysis in terms of product strategy, practices, and proactively initiate product reviews based on trends identified to ensure ongoing product competitiveness.
Research:
- Investigate and embark on a continuous market scanning of Local and International peers to identify and stay abreast of market trends and activities to inform opportunities for new or enhanced products and services.
- Initiate market research relating to the product alignment to client needs, competitors and future trends to ensure sustained profitability for Absa and competitive advantage. Engage in networking activities, e.g. attending relevant industry conferences, staying abreast of changes in the industry, product offering and procedures to absorb the impact of change.
- Formulate and influence product strategies based on research findings, i.e. investigate other appropriate distribution strategies which could form part of the distribution strategy, e.g. Internet.
Stakeholder engagement:
- Proactively develop relationships with key external stakeholders including local regulators relevant to the business, key suppliers and external regulatory bodies to ensure Absa gets appropriate co-operation when required and that the Group meets and is seen to meet regulatory compliance.
- Build and develop relationships across the firm with various stakeholders with the intention of breaking down silos to maximize business growth.
- Liaise with all business partners to ensure all management information they require is provided to them timeously.
Leadership:
- Work with juniors in the team to achieve excellent business results through continuous people development and mentoring activities.
- Ensure the development of a high-performing team through embedding formal Performance Development and informal coaching.
- Coach the Trading team on how to conduct meaningful Performance Development discussions with their direct reports and ensure that they conduct the process effectively.
- Determine and analyses training and development needs for Traders and ensure they do the same for their teams. Ensure that identified training is budgeted for and executed.
- Establish and maintain a succession plan for the Trading team in the area using the formal Talent Management process for identified talent and an informal process for remaining roles.
- With the support from the HR Business Partner, interview and recruit direct reports and provide support to them during the recruitment of their teams on request.
- Approve leave requests for direct reports and ensure that they manage the leave planning for their teams effectively.
- Act as second level escalation point for all grievances raised in the business unit.
- Ensure that all poor performance is addressed through the Absa Performance
- Accelerator (APA) Programme and that continued poor performance is adequately dealt with. Review APA reports to determine effectiveness of interventions.
- Motivate employees in the department and ensure that their efforts are recognised.
- Develop appropriate Employee Opinion Survey (EOS) action items together with the management team of the business unit and ensure that items are executed.
Education
- Bachelors Degree and Professional Qualifications: Business, Commerce and Management Studies (Required)
End Date: October 10, 2025
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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 data governance & management methodology as well as delivery of specific data objectives.
- Ensure consistent and effective implementation of relevant data management policies and controls by influencing multiple teams and value streams across the Bank. Continuously improve the Data Management capability by providing both oversight and serving as Subject Matter Expert.
Job Description
Education required:
- B degree in Risk Management/Audit/Technology or equivalent Advanced Diploma
- CDMP (Certified Data Management Professional) will be an an advantage
Experience required:
- 5 – 8 years Data Management / Data Governance / Data Stewardship / Information Management / Information Governance experience
Competencies:
- Deciding and initiating action
- Persuading and influencing
- Working with people
- Presenting and communicating information
- Delivering results and meeting customer expectations
- Adapting and responding to change
- Creating and innovating
- Risk Management
- Project Management
Data Governance / Data Management (Detailed Role Requirement)
- Actively monitor the implementation and adherence of the data Governance /management policies, standards and processes.
- Actively monitor the remediation of poor data quality
- Provide data governance advice and guidance to the business and stakeholders.
- Provide guidance to support the implementation of the Data Management Policy within the Business Unit
- Develop and maintain good relationships with data governance stakeholders (e.g. BU representatives, IT, data stewards, data owners, business key risk owners etc.) Through on-going interaction.
- Define and receive reports from affected stakeholders and forums to enable the monitoring of data governance progress.
- Represent data management at key forums, provide regular reporting and raise issues and conflicts.
- Escalate unresolved issues to the relevant stakeholders and governance committees
- Manage and track the delivery of the agreed action plans and escalate non-performance and non-delivery to the appropriate forums/structures.
- Identify risks associated with data and address and or report them to the appropriate risk committees or data governance forums.
- Perform high level conformance testing of data management deliveries before business marks delivery as “effective”. (within the business unit)
- Embed Data Governance into the culture by facilitating development and training of new content, templates and how to guides
- Accountable for providing expert advice to inform the effective implementation of data management policies and controls.
- Drive alignment between Data Management leads across the Retail and Business Bank by providing thought leadership and fostering a community of practice through establishing appropriate forums and maintaining effective communication within the community
- Co-ordinate Data Management activities between business areas that support the implementation of relevant policies to ensure consistency and effectiveness across the Retail and Business Bank.
- Drive adoption of data management policies through oversight of delivery plans.
- Drive an effective and sustainable culture that embeds data management policies, controls, and design thinking through continuous stakeholder management and upskilling
- Establish and maintain appropriate forums and communication channels across divisions in the Retail and Business Bank to drive the data management agenda
Education
- Bachelor`s Degrees and Advanced Diplomas: Business, Commerce and Management Studies
End Date: October 3, 2025
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Job Summary
- Join a diverse team of dynamic model developers. We are looking for an experienced Model Development Analyst with a background as a quantitative analyst developing PD, LGD and EAD models for Impairments (IFRS9 ECL) and Regulatory Capital (Basel) in a banking or consulting environment.
Job Description
- You will be responsible for supporting the development and continuous enhancement of impairment (IFRS9 ECL) and Regulatory Capital (Basel) models within a retail portfolio, contributing to the entire credit risk model build, implementation, and governance lifecycle.
- You will be part of a team of model developers and your role will include developing models, testing model build data, performing and reporting impact analysis, and producing detailed model build documentation.
- You will be accountable for ensuring that all activities and duties are carried out in full compliance with policies, procedures and regulations.
- You will also play an active role in sharing insights on the models for which you are responsible (e.g. on the data used to build the model, model drivers, and methodology) as well as transferring knowledge and experience to other team members and peers.
- Your ability to engage and effectively communicate with business stakeholders is key.
- A successful candidate will hold at least a degree in Mathematics, Actuarial Science, Statistics, Business Mathematics and Informatics (BMI) or a related field with a minimum of 2 years’ experience in credit risk model development in a retail environment. Experience in SAS is preferred.
Education
- Bachelor Honours Degree: Actuarial Science (Required), Bachelor Honours Degree: BMI - Business Management and Informatics (Required)
End Date: October 6, 2025
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Job Summary
- Join Absa as a Cash Specialist in a role where you will take full responsibility of selling physical cash solutions offering to potential customers and drive acquisition of new to bank and new to segment Business Banking and Enterprise customers with a primary focus on acquiring new business as well as switching physical cash management solutions from competitor banks.
- 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 cash customers and internal business partners.
Job Description
Revenue and merchant growth through sales enablement
- Identify sales opportunities and offer solutions appropriate for customers’ physical cash needs, goal and objectives by using the tools which outlines the products customers 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.
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.
Relationship Management
- Reposition the Physical Cash Solution 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.
- Manage the relationship with top physical cash customers in the region and ensures that an effective and efficient relationship model is in place to retain cash customers within the allocated portfolio.
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.
Risk and Compliance Management
- Maximize sustainable risk by adjusted portfolio contribution.
- Work closely with the Risk and Control Assurance team and line 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.
Education and Experience Required
- NQF level 7 qualification (Finance, Sales, Commerce) – preferred
- 3 years' experience within a client facing role (commercial/or financial industry)
- 3 years relationship management experience in a financial services industry
Education
- Bachelors Degree and Professional Qualifications: Business, Commerce and Management Studies (Required)
End Date: October 31, 2025
go to method of application »
Job Summary
- Join Absa as a Cash Specialist in a role where you will take full responsibility of selling physical cash solutions offering to potential customers and drive acquisition of new to bank and new to segment Business Banking and Enterprise customers with a primary focus on acquiring new business as well as switching physical cash management solutions from competitor banks.
- 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 cash customers and internal business partners.
Job Description
Revenue and merchant growth through sales enablement
- Identify sales opportunities and offer solutions appropriate for customers’ physical cash needs, goal and objectives by using the tools which outlines the products customers 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.
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.
Relationship Management
- Reposition the Physical Cash Solution 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.
- Manage the relationship with top physical cash customers in the region and ensures that an effective and efficient relationship model is in place to retain cash customers within the allocated portfolio.
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.
Risk and Compliance Management
- Maximize sustainable risk by adjusted portfolio contribution.
- Work closely with the Risk and Control Assurance team and line 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.
Education and Experience Required
- NQF level 7 qualification (Finance, Sales, Commerce) – preferred
- 3 years' experience within a client facing role (commercial/or financial industry)
- 3 years relationship management experience in a financial services industry
Education
- Bachelors Degree and Professional Qualifications: Business, Commerce and Management Studies (Required)
End Date: October 31, 2025
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Job Summary
- CIB Post Trade Services Team (PTS) is currently looking for a Collateral & Client Valuations Analyst, to perform operational functions of the Collateral & Client valuation business and ensure compliance with Equities regulation, Exchange control rules, bank policies and other related directives.
- Have a solid understanding of the margining process for Cleared and Non Cleared Derivative IM & VM margins under CSA , CSA IM & GMRA as well as SBL margining under GMSLA.
- To provide support on all Collateral Management activities and processes in relation to the following:
- Ensure margin calls are processed timeously
Query Resolution
- Trioptima recons – report and resolve all material portfolio reconciliation breaks
- IMEM recons - report and resolve all material portfolio reconciliation breaks
- Ensure all applicable reconciliations are completed timeously
- Ensure all applicable reports are distributed timeously
- Engage internal and external Absa clients
- Ensure material breaks are escalated
- Keep abreast of emerging regulations that are impacting Collateral activities
- Take accountability and be visible to stakeholders on issue resolution, by providing proactive solutions.
- Identify new opportunities to enhance delivery, reduce risk & operating expenses while improving efficiency.
- MI & KPI reporting – monthly review, analysis & refinement, with the assistance of senior management
Job Description
Key Accountabilities
Accountability: Collateral & Client Valuation 0perations
- Ensure that all client valuations are successfully issued on a daily and monthly basis
- Ensure margin calls are processed timeously for OTC CSA, OTC IM, GMRA, GMSLA agreements
- Compile, distribute and resolve queries on collateral recons
- Compile, distribute and resolve queries on collateral reports
- Monitor automated client valuation exception queue
- Assist with the automation of existing manual client valuation
- Extract the daily Trioptima mtm difference reports and investigate all differences over the threshold (older than 3 days , USD 1M; EUR 1M & ZAR 15M)
- Investigate and respond to all emails from Counterparties on MTM /Entity breaks
- Build a good working relationship with FO, MO , Credit Risk, Market Risk & Client Static
- Ensure the procedure manual is updated with changes regularly
- Ensure all queries are responded to timeously
- Ensure all Items at Risk or aged items are escalated to Senior Management for resolution
Accountability: People Management
- Work with managers in the team to achieve excellent business results through continuous people development
Accountability: Change Management
- Introduce, deploy and manage best practice procedural methodology and adherence relative to providing superior client service offerings
- Manage procedural change within the context of working with all representative stakeholders in terms of employee resource requirements
Accountability: Risk Management
- Ensure that processes, control requirements and risk management frameworks that impact the area are understood
- Work with the Risk & Control Team during the scoping of audits to ensure fair coverage
- Agree corrective action items with Internal Audit
- Complete required compliance and attestations
- Ensure and understand all compliance and risk requirements and identify gaps
- Ensure that all regulatory requirements are adhered to.
Education and Experience Required
- B-Degree in a business-related field or equivalent NQF level 6 qualification
- 5 Years’ Experience in CSA, GMRA & GMSLA margining, in a Banking Environment
Knowledge & Skills: (Maximum of 5)
- Knowledge and experience in Acadia, Front Arena (preferable) Trioptima & IMEM
- Logical thinker and good problem-solving skills
Education
- Bachelor`s Degrees and Advanced Diplomas: Business, Commerce and Management Studies (Required)
End Date: October 8, 2025
go to method of application »
Job Summary
- Join Absa as a Cash Specialist in a role where you will take full responsibility of selling physical cash solutions offering to potential customers and drive acquisition of new to bank and new to segment Business Banking and Enterprise customers with a primary focus on acquiring new business as well as switching physical cash management solutions from competitor banks.
- 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 cash customers and internal business partners.
Job Description
Revenue and merchant growth through sales enablement
- Identify sales opportunities and offer solutions appropriate for customers’ physical cash needs, goal and objectives by using the tools which outlines the products customers 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.
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.
Relationship Management
- Reposition the Physical Cash Solution 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.
- Manage the relationship with top physical cash customers in the region and ensures that an effective and efficient relationship model is in place to retain cash customers within the allocated portfolio.
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.
Risk and Compliance Management
- Maximize sustainable risk by adjusted portfolio contribution.
- Work closely with the Risk and Control Assurance team and line 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.
Education and Experience Required
- NQF level 7 qualification (Finance, Sales, Commerce) – preferred
- 3 years' experience within a client facing role (commercial/or financial industry)
- 3 years relationship management experience in a financial services industry
Education
- Bachelors Degree and Professional Qualifications: Business, Commerce and Management Studies (Required)
End Date: October 31, 2025
go to method of application »
Job Summary
- To follow the six steps of financial planning in executing the role of a FAIS licensed financial adviser. A professional introduction must be made to introduce the adviser and the services offered by the adviser.
- Upon client approval the adviser may conduct a Financial Needs Analysis (FNA) in the disciplines of Investment, Life Insurance and Estate planning. Based on the concluded FNA to make recommendations
- To address single or multiple needs identified on behalf of the client. Advice recommendations will must be presented under the license categories for which the adviser is accredited Absa approved product(s) that are deemed will meet the needs of the client. On client acceptance of all or part of the advice, the adviser is required to implement the accepted advice through Absa’s new business processes.
- The adviser must conduct regularly review of the client needs to assess continued suitability of implemented solutions. In these reviews, new needs may be addressed and changes to existing plans be proposed to ensure continued solutioning of client needs.
- Adviser must continue to ensure ongoing Fit and Proper status to enable them to offer services under an Absa advice license.
Job Description
Key Accountabilities:
- Accountability: To establish and maintain a professional relationship with all stakeholders (Client, Bank personnel, product providers and Adviser Support staff)
- Participate in reciprocal leads activities and sales/pipeline meetings to identify opportunities for new or repeat business, and fully utilising Absa’s bancassurance structure.
- Assess client’s needs through use of recommended needs analysis tools, ensuring that the client is aware of the full value proposition offered by AIFA.
- Prepare recommendation and quote for appropriate risk and investment solutions based on the client’s individual needs and profile.
- Present recommendation to clients, ensuring that all FAIS regulations are followed regarding advice given.
- Follow all the steps in the designated client engagement process as specified by Absa Advisers.
- Provide regular feedback to the Regional Manager on actions taken to progress the lead to business.
- Network, on an ongoing basis, with all stakeholders in Everyday Banking (PGM’s and Regional Managers) and elsewhere by attending their meetings and social gatherings to position the Absa Advisers' value proposition to the Bank and to the clients
Accountability: Meet sales and/or growth targets
- Do activity planning by identifying the clients to be approached/contacted during a particular period in conjunction with Everyday Advice Executive.
- Using the leads information provided by the source and or Regional Manager listings, as well as leads sourced through own prospecting activities and determine the client's financial needs.
- Make exclusive use of Absa’s Financial Needs Analysis tool (Avalon from Aug 2024 onwards) to conduct a comprehensive Financial Needs Analysis for the client.
- Obtain the client's consent to access his/her existing policy information by getting him/her to sign the relevant documents to
- get a comprehensive view of the client's financial needs.
- Discuss various possible solutions and options available with the client and thereafter recommend the most appropriate products and or solution(s) to address financial needs.
- Generate and discuss a formal recommendation including product quote(s) for the client.
- On acceptance of part or all the advice recommendations, complete the necessary product application forms and ensure that the client signs the forms to indicate his/her consent to engage in a transaction(s).
- Gather, generate, and complete all the necessary compliance documentation (e.g., Client Advice Record, copy of ID, Financial Needs Analysis, FICA).
- Submit the proposal forms to the relevant product providers for processing.
- Ensure that the issued policy aligns to the recommended product.
- Review the client's portfolio at a minimum of once a year and contact the client based on the adviser and client agreed contact strategy to maintain a healthy client relationship.
- Provide a report back to the Regional Manager and Everyday Banking stakeholders on the strike rate (i.e., the number of leads provided that were converted to business) where applicable.
- Seek business opportunities from external sources as necessary to grow the book of business and reciprocate leads to Regional Managers and PGM’s.
Accountability: Manage own commission earnings
- Capture the correct Policy Relevant Information (PRI) number on the Commission system.
- On a monthly basis, check the accuracy of the commission statements received from the Broker Commissions department.
- Verify that all the PRI numbers reconcile to the commission paid and reflected on the statements Keep the client database up to date by ensuring that new clients are added to the database.
- Follow up on unpaid premiums and lapses by contacting the clients to establish the reasons for the problems Manage the suspense account timeously by clearing it on the system at month end.
Accountability: Practice Management
- Ensure that staff members (Adviser Assistants) have a clear understanding of their roles and responsibilities within the adviser practice.
- Arrange for staff members to receive the relevant training (Absa programs for the Interns) e.g., systems training, product training and operational training.
- Provide coaching and mentoring to assistant(s) with regards to facilitate knowledge and skills development.
- Participate performance development (PD) discussions as required by the Absa performance management standards.
- Take the necessary corrective actions in cases of underperformance in consultation with the Regional Manager. Implement controls with regards to compliant record keeping in accordance with minimum Absa business standards (i.e. FAIS, FICA, FSB and)
- Liaise with Provincial Operations Office) with regards to maintenance of systems and equipment and provision of other services
- Complete all the required compliance exams in the specified timeframes (e.g. Anti-Money Laundering, Sanctions, BCM, Basic Financial Crime Concepts).
- Remain fit and proper as required for FAIS flagged roles.
- Provide monthly feedback to the branch, and Business Bank, regarding non-interest income (seat costs) and cross-selling opportunities
- Segment the client base according to profile, income potential and commission income.
- Engage with business development strategies with the support of the Regional Manager and our practice management subject matter experts to maximise the sustainability of the adviser practice.
Accountability: Personal Development
- Attend all the required training to attain accreditation to market Absa approved products.
- Attend all the requisite internal training (i.e FAIS-related programs/courses).
- Attain the required FAIS credits in order to attain Fit and Proper status
- Ensure that Fit and Proper status is maintained (honesty, integrity, financial solvency)
End Date: October 3, 2025
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