Nedbank Group Limited is a bank holding company that operates as one of the four largest banking groups in South Africa. The company's shares have been listed on the JSE Limited since 1969. The group offers a wide range of wholesale and retail banking services through four main business clusters, namely Nedbank Corporate and Investment Banking, Nedbank Retai...
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Job Purpose
- To develop and implement strategies to grow and retain the market nationally in line with Commercial Banking objectives and aiming to increase Nedbanks' market share.
Job Responsibilities
- Formulate and manage provincial Public Sector budget through assessment of market trends and business banking strategy.
- Ensure delivery of annual financial targets and strategy by adhering to budget and timelines.
- Ensure business results are achieved by distributing annual financial targets according to guidelines to relevant areas and by monitoring and tracking achievement of targets.
- Improve sales targets and assist Business Managers to structure Public Sector CVP's or tenders by providing professional guidance and input.
- Identify opportunities for cross selling and identify possible leads for referral to other channels, by engaging with public sector entities at national, provincial, local government and scanning the environment.
- Increase market share and identify opportunities to increase acquisition targets by promoting customer value propositions within existing networks.
- Develop a thorough understanding of the public sector segment business and needs through conducting client visitations, by assessing the various municipality bodies risk profile in preparation of the accreditation process.
- Establish and maintain relationships with stakeholders through collaboration with business partners (e.g. area managers), by communicating and sharing client information and passing on leads.
- Develop and enhance public sector models by partnering with external stakeholders (e.g. Public Sector) formally and informally.
- Enhance the profile of Nedbank among the public sector fraternity; develop and deliver public sector marketing plans by organising sponsorships, events and/or road shows.
- Develop collaborative relationships with stakeholders through establishing strategic internal and external partnership agreements.
- Develop trusting relationships with stakeholders by establishing and providing a central point of contact nationally with Public Sector bodies and by enabling smooth flow of work.
- Draft Public Sector visitation plan by planning visits according to public sector strategy, annual plans and targeting "most wanted" clients and by reviewing progress, revising plans and monitoring progress.
- Review client value propositions annually by assessing industry and/or market trends.
- Monitor and identify potential risks of portfolio through analysis of early warning signals (e.g. cash-flow constraints, growing debt etc.), implementing appropriate actions to mitigate risk (e.g. offer appropriate assistance in terms of support) for both the client and Nedbank.
- Ensure a uniform credit process is applied across regions, by providing customised client value propositions, input into credit guidelines and credit minutes, assessing applications and recommending approval and/or decline of applications.
- Provide input and advice pertaining to the selection of business solutions/products that can be offered to the sector through regular engagement with various product houses and by ensuring that new developments and/or solutions.
Professional Knowledge
- Knowledge of the following legislation, as it relates to the Public Sector: Public Finance Management Act (PFMA)
- Municipal Finance Management Act (MFMA)
- Any other relevant legal framework and legislation applicable in the public sector
- Knowledge of Commercial Banking and other bank’s products and services across segments
Type of Exposure
- Analysing situations or data that requires an evaluation of multiple factors
- Building and maintaining effective cross-functional relationships with internal and external stakeholders
- Sharing information in different ways to increase stakeholders understanding
- Communicating complex information orally.
- Interacting at executive forums and board meetings
- Negotiating a major deal/contract
- Implementing and managing strategies to achieve business area objectives
- Conducting market research and scanning the environment
- Analysing business operations
- Assessing and analysing financial statements
Essential Qualifications - NQF Level
- Matric / Grade 12 / National Senior Certificate
- Advanced Diplomas/National 1st Degrees
Preferred Qualification
- BComm Hons/ Advanced Degree in Finance
Minimum Experience Level
- 8 - 10 years Sales experience in the Financial Services Industry, of which at least 3 years must be in the Public Sector banking
Technical / Professional Knowledge
- Base/Market Segments
- Business Acumen
- Business terms and definitions
- Nedbank vision and strategy
- Principles of project management
- Relevant Nedbank product knowledge
- Relevant regulatory knowledge
- Risk management process and frameworks
- Cluster Specific Operational Knowledge
- Credit Assessment for Credit Wortiness oF Client
Behavioural Competencies
- Building Partnerships
- Coaching
- Customer Focus
- High-Impact Communication
- Driving Successful Customer Engagements
- Technical/Professional Knowledge and Skills
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Job Purpose
- To manage and oversee a team responsible for the development and maintenance of best practice models and assessment strategies in line with regulations (where applicable) in order to facilitate world class risk management. Provide input into strategic objectives and ensure delivery thereof.
Job Responsibilities
- Contribute to the development of differentiated, superior solutions (solution engineering) that meet stakeholder and business requirements.
- Ensure product and/or solution design is congruent with the required business specifications.
- Enable the realisation of the financial business benefits accruing including minimisation of operational costs.
- Contribute to the development of differentiated, superior solutions (solution engineering) that meet stakeholder and business requirements.
- Ensure business needs are met through consistent engagement and assistance to business, Provide stakeholders with appropriate insights and enable business growth through delivering analytical results, recommendations, research, analytical methods, appropriate systems and market insights.
- Understand internal and/or external client needs and requirements.
- Ensure transformational target are met.
- Contribute to a culture of transformation by participating in Nedbank culture building initiatives, business strategy, and CSI.
- Stay abreast of developments in field of expertise, ensuring personal and professional growth.
- Understand and embrace the Nedbank vision and values, leading by example.
- Participate in the development and implement action plans to address issues raised in culture surveys to improve results.
- Create a client service culture.
- Achieve operational excellence.
- Encourage team to generate innovative ideas and share knowledge.
- Manage performance of staff by implementing performance agreements and ensuring a clear vision. Mentor and coach staff on identified performance gaps.
- Motivate staff to perform and contribute to the success of the business by creating environment of teamwork through engaging with staff (sharing information) and encouraging participation in decision making processes.
- Follow the recruitment process when recruiting talent.
- Maintain a high performing team and ensure an environment for optimal performance is created by identifying talent pool through career conversations, using the talent grid principles and developing talent retention programmes.
- Ensure self and staff understand and embrace the Nedbank vision and values by leading by example and re-enforcing values during meetings
- Manage the onboarding process of new employees. Produce results in line with business strategy and requirements.
- Ensure team has been allocated with a Balance Scorecard with clear measurements.
- Evaluate team performance in accordance to key indicators in Balance Scorecard Design Development Plans of the team guided by the Career Pathing framework.
Professional Exposure
- Strong leadership and team management capabilities
- Advanced quantitative and statistical modeling skills
- Strategic planning and change management
Deep understanding of:
- Regulatory frameworks (e.g., Basel, IFRS9)
- Client service principles
- Diversity and operations planning
Proficiency in:
- Business writing and communication strategies
- Analytical tools and programming languages (e.g., SAS, Python, R)
Essential Qualifications - NQF Level
- Matric / Grade 12 / National Senior Certificate
- Professional Qualifications/Honour’s Degree
Qualification
Essential:
- Advanced Diploma or National First Degree in a quantitative discipline
Preferred:
Postgraduate Degree in:
- Statistics
- Mathematics
- Financial Risk Management (FRM)
- Chartered Financial Analyst (CFA)
- Certificate in Quantitative Finance (CQF)
Minimum Experience Level
Minimum 6 years of relevant analytical experience in the financial industry, ideally including:
- Credit risk modeling and scorecard development
- Leading or managing quantitative teams
- Strategic planning and stakeholder engagement
- Regulatory compliance and risk frameworks
Technical / Professional Knowledge
- Change management
- Client service principles
- Communication Strategies
- Diversity management
- Operations planning
- Relevant regulatory knowledge
- Strategic planning
- Business writing skills
- Quantitative analytical techniques
- Problem solving skills
Behavioural Competencies
- Earning Trust
- Coaching
- Communication
- Decision Making
- Business Acumen
- Driving for Results
- Planning and Organizing
- Delegation and Empowerment
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Job Purpose
- To educate clients on the convenience, security and functionality of digital and self-service solutions; processing cash transactions and cash fulfillment (i.e.balancing and replenishment) and performing first line device maintenance in order to meet business goals and exceed the client expectations.
Job Responsibilities
Client Engagement:
- Address any concerns relating to the queue flow or digital devices.
- Assist client to download online applications and resolve any log in issues.
- Assist the client to buy value-added services (e.g. pre-paid data and airtime) online or through a self-service device.
- Assist the client to obtain statements, cards and other relevant documentation from self-service zones.
- Build and maintain client relationships by keeping clients informed of progress or action taken regarding their applications, queries and requests.
- Discover client's service and digital needs through connecting, understanding and delivering financial solutions with care.
- Educate clients and potential clients on how to subscribe and service their account.
- Educate clients on self-service, digital functionality and features.
- Facilitate a conversation with the client to assist them to complete their service needs online.
- Identify quality sales leads and enable cross-selling (without advising) through client engagement, fulfilling, making suggestions, referring to the relevant department for action and by capturing it on the client management system.
- Meet, greet, establish and clarify client needs and verify documentation and direct clients.
- Nurture strong, long-standing client relationships.
- Own the client request end to end and route for alternative intervention if not equipped to service the client.
- Provide knowledgeable client service that fosters mutual trust and confidence.
Business Operations:
- Accept and service cash transactions over the counter.
- Action control check list applicable to teller, enquiries and foreign functions daily.
- Balance and secure branch stock holding (e.g. cards).
- Control the queuing process and prioritise clients with special needs.
- Destroy old stock (e.g. cards) identified by reports.
- Enable the further processing of inter-bank transfers by preparing all transactional documents and originals (WASTE) in the required format by the required deadline for hand over to couriers.
- Ensure ATM/ID availability through balancing and loading of cash and attending to down devices by performing first line device maintenance support.
- Execute on cash management (i.e. Treasury and holdings), cash efficiency and recycling strategies within the store.
- Load cash, balance and provide first line device maintenance and replenishment of consumables of all store devices.
- Minimize losses and ensure corrective action is taken by declaring any discrepancies in cash holdings.
- Process client deposits, withdrawal, change for change and transfer requests by following relevant procedure and policies.
- Process client forex requests by following the relevant procedures and policies (e.g. FBN, bills and transfers).
Risk and Compliance:
- Mitigate risk by controlling counter and drop safe limits according to policy.
- Prevent fraud and losses by adhering to mandates, as well as client and transaction authentication procedures and policies.
Nedbank Goals:
- Act in the client's interest, inform the client, do what you say and promise, take accountability, and go the extra mile.
- Contribute to the success of Nedbank through meeting your service excellence, teamwork and personal development goals whilst adhering to Nedbank security, operational and compliance procedures and policies.
- Develop, retain and grow the business by delivering against individual and team goals that support a positive client experience.
- Improve digital enticement and migration volumes to self-service devices and online channels.
People Specification
Essential Qualifications - NQF Level
Preferred Qualification
- Banking Services (example, Higher Certificate in Banking Services - NQF5)
Minimum Experience Level
- 1 - 2 years
- Retail/Banking Client Service, Cash, Technology Savvy, 1st Line Problem Resolution experience. Where applicable, Foreign experience.
Technical / Professional Knowledge
- Customer service principles
- Product Knowledge
- Problem solving skills
- Relationship management
- Nedbank security policies and procedures
- Governance, Risk and Controls
- Forex product
Behavioural Competencies
- Building Customer Loyalty
- Earning Trust
- Collaborating
- Managing Work
- Adaptability
- Stress Tolerance
- Continuous Learning
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Job Purpose
- Educate clients on the functionality of self-service digital solutions, whilst solving for their sales and service needs, in order to meet business goals and growing market share.
Job Responsibilities
Client Engagement:
- Respond to client needs by offering the right service and solution.
- Build client trust by applying your expertise and experience to do good for your client.
- Educate clients and potential clients on how to subscribe and service their account.
- Treat clients with respect, build trust, show care and humility in all client interactions.
- Help clients achieve their goals and grow financially.
- Own the client request end to end and route for alternative intervention if not equipped to service the client.
- Entrench clients and deliver value through cross selling.
- Facilitate the sales process by informing clients of the product features and benefits.
- Document client needs analysis and provide corresponding product solutions.
- Obtain referrals from existing clients as well as leads from other business units.
- Build, maintain and retain client relationships by keeping clients informed of progress or action taken regarding their applications, queries, and requests.
- Educate clients on the use of, secure, alternative, cost effective, time saving and convenient self-service channels.
- Collaborate with internal stakeholders to provide complete financial solutions for clients.
- Ensure great client experiences by making the client feel welcome, listened to, and owning and solving their financial problems.
- Ensure clients are onboarded in line with Nedbank's product strategy, policy, and procedure.
- Act with a client first mindset in all client engagements.
Nedbank Goals:
- Contribute to the success of Nedbank through meeting your service excellence, teamwork and personal development goals whilst adhering to Nedbank security, operational and compliance procedures, and policies.
- Develop, retain, and grow the business by delivering against individual and team goals that support a positive client experience.
- Increase market share of primary clients by entrenching clients through Core+ needs discussions, salary and debit order switching as well as enrolling clients on the various digital platforms.
- Identify and resolve work obstacles and problems through participating in team meetings, sharing information and reviewing performance against targets and standards.
- Ensure all sales activities are completed to plan, progress reviewed, and corrective action taken.
- Support the achievement of the sales and service strategy objectives and values.
- Enable Nedbank's strategy of being financial experts who do good.
- Covert leads into sustainable business for Nedbank in a responsible manner.
Risk and Compliance:
- Mitigate risks and meet legislative requirements (e.g. FICA, FAIS and Letter of Authority) by being accredited and updating and maintaining client information.
- Report suspicious transactions to the relevant department.
- Keep abreast of legislation and other industry changes that impacts on role by reading the relevant newsletters, communications, and training material.
- Manage risk by meeting technical, company standards, practices, and resource management (e.g. ultra-violet lights to identify false identity documents).
- Be a responsible employee by being compliant to Nedbank policies, controls, regulations, and banking legislation.
Minimum Experience Level
- 1 - 2 years Retail/Banking Client Service, Sales, Relationship experience
Preferred Qualification
- FAIS Approved Qualification
Essential Qualifications - NQF Level
Technical / Professional Knowledge
- Product sales skills
- Sales Strategies
- Product Knowledge
- Customer service principles
- Nedbank policies and procedures
- Customer relationship management
Behavioural Competencies
- Building Customer Loyalty
- Building Trusting Relationships
- Sales Persuasion
- Technology Savvy
- Planning and Organizing
- Adaptability
- Applied Learning
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Job Purpose
- Performs business and systems analysis, designs, implements, configures, supports and maintains SAP system. Plays a fundamental role in realisation of business benefits across multiple functional areas or modules in the SAP system. Also involved in solution design and system integration.
Job Responsibilities
- Contribute to quality and financial goals by operating within agreed budget and by conforming to the Service Level Agreements.
- Plans and prioritise work outputs with a realistic sense of time a resources involved and in conformance to programming and/or configuration standards and /or documentation in line with best practices.
- Investigate and propose enhancements which will result in improved performance.
- Responds to customers with the appropriate level of urgency.
- Manage own work and time to achievement of project/deliverables.
- Takes ownership in ensuring that customers expectations are met.
- Customer liaison into business.
- Demonstrates an understanding of how SAP software, services, products and solutions add value to the business.
- Highlights potential project or solution risks and issues to project management.
- Acts in a functional integration specialist role across various SAP disciplines.
- Provide and develop new proposals to key stakeholder.
- Provide Industry solutions and bets practices knowledge to clients.
- Maintain and expand client contact as a high level and build credible relationship with key client personnel.
- Actively support other team members on projects as well as SAP internal tasks.
- Share knowledge.
- Prioritise and/or integrate multiple projects /tasks concurrently.
- Provide input to highlight inter dependencies between projects and support.
- Consult on project activities leading to the implementation of the requirements by applying project management principles across multiple projects.
- Consult on SDLC processes.
- Provide direction on all aspects of SAP systems and integration thereof.
- Identify and Mitigate risk.
- Drive problem resolution.
- Involved in pre- project planning e.g. determining scope and solution.
- Keep up to date on Nedbank strategy and SAP technologies.
- Accountable for own activities and performance.
- Takes a disciplined approach and works effectively towards clear objectives and prioritises.
- Analyses and appropriately judges the pro's, cons, opportunities and risks of a problem.
- Uses and share information from different sources to aid in problem solving.
- Effectively resolves complex problems using creative approaches outside area of expertise.
- Maintain and sharing team knowledge.
- Continually develop core skills, cross-functional expertise and business knowledge.
- Coach and mentor other resources in technical preparation of SAP Process Procedures, test scenarios, end-user documentation and user manuals.
- Responsible for contributing to professional development of consultants.
- Play a role in the recruitment of new consultants.
- Participate in Nedbank Culture building initiatives
- Participate and support corporate social responsibility initiatives.
- Add value to Nedbank by identifying and recommending opportunities to enhance processes, systems and policies and support implementation of new processes, policies and systems.
Technical Knowledge
- Seasoned SAP Principle consultant with skill in EC, a deep understanding of HCM on prem and integration of multiple technologies and/or SAP modules
- Involved in and/or led Multi stack technology Implementations and SAP implementations. ( SAP SaaS Cloud (Fieldglass, Ariba, SuccessFactors)
- Deep experience in Solutions Architecture and Complex Technology designs and ability to showcase
- SAP PaaS – Business Technology Platform
- Integration between SAP and non-SAP technologies
- General understanding of solution architecture principles and patterns
People Specification
Essential Qualifications - NQF Level
- Matric / Grade 12 / National Senior Certificate
- Advanced Diplomas/National 1st Degrees
Preferred Qualification
- Bcom/IS/IT ENG/BSc/Com Science related degree
Preferred Certifications
- Preferably certified in more than one SAP module / ASAP & Solution Manager certifications
Minimum Experience Level
- 8 to 10 years SAP Functional Experience
Technical / Professional Knowledge
- Architecture Modeling
- IT Infrastructure Architecture
- Principles of project management
- Microsoft Office
- Business analysis
- Presentation Skills
- business consulting and facilitation skills
- System Development Life cycle(SDLC)
- ASAP
- Problem solving skills
Behavioural Competencies
- Building partnerships
- Coaching
- Communication
- Customer Focus
- Strategic Influence
- Innovation
- Technical/Professional Knowledge and Skills
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Job Purpose
- To provide client service by applying sound credit risk management principles with approved credit mandates through management of a designated portfolio of clients across multiple products enabling Nedbank to reduce the cluster impairment charge with the view to rehabilitate the client, in line with the business or individual turnaround strategy.
Key Deliverables
- Credit and Credit Risk assessment and collections of arrears/excesses of all products namely Current Accounts, Savings Accounts, Home Loan accounts, Commercial & Industrial Property, Personal Loan accounts, Term loans and Asset Based Finance {motor vehicles/yellow} goods.
Job Responsibilities
- Approve annual review of facilities by making decisions based on the credit risk policy guideline and credit norms in conjunction with relevant Nedbank strategy and the analysis based on the information provided.
- Analyse/Assess individual and juristic financial statements.
- Develop client exit or rehabilitation strategies by conducting inter-alia review of client facilities.
- Ensure policies and processes are followed within mandated signatories including checking and confirming the sign-off.
- Ensure policies and procedures are followed by reviewing recommended submissions from other parties.
- Manage default accounts timeously by obtaining acceptable repayment arrangements or handover portfolio to legal collections.
- Approve funding by making decisions based on the credit risk policy guideline and credit norms in conjunction with relevant Nedbank strategy and the analysis based on the information provided.
- Give an overview of the book by developing and preparing portfolio review presentations based on Management Information Systems (MIS).
- Adapt to changes in Legislation by enforcing the compliance to the changes.
- Ensure clean audit in area of responsibility by enforcing adherence to bank policies, process and procedures and industry regulations.
- Implement sound credit risk management by providing advice on specialized credit risk matters to cross functional teams and direct reports, where applicable
- Recommend enhancement to processes by constantly seeking innovative improvements to the credit systems.
- Motivate staff where applicable to perform and contribute to the success of the business by creating environment of teamwork through engaging with staff (sharing information) and encouraging participation in decision making processes
Minimum Experience Level
- Minimum 5 years' experience in a Credit role in a Banking environment
- Minimum 5 years' experience Analysing and Assessing individual and juristic financials.
Preferred Qualification
- Successfully compelted NQF Level 6 of Higher in a Finance or Credit-related field
Technical / Professional Knowledge
- Business administration and management
- Change management
- Client service management
- Communication Strategies
- Financial Accounting Principles
- Governance, Risk and Controls
- Organisational systems
- Principles of project management
- Strategic planning
- Management information and reporting principles, tools and mechanisms
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Job Purpose
- To develop and maintain best practice models and assessment strategies in line with regulations (where applicable) in order to facilitate world class risk management and/or attainment of strategic objectives.
Job Responsibilities
- Build and formally present reports by monitoring business performance within the set risk appetite and through analysis.
- Report to; monitor and advise operational areas to manage trends through analysis for ad-hoc requirements.
- Manage client expectations by liaising with stakeholders through the model build process as well as the systems and strategy development process.
- Increase efficiencies through programming and automating processes.
- Enhance business efficiencies and ensure compliance through formal communications and interacting with external bodies.
- Challenge model builds from around the cluster through peer review participation and ensuring best practice.
- Contribute to a culture conducive to the achievement of transformation goals by participating in Nedbank Culture building initiatives (e.g. staff surveys etc).
- Research and make recommendations for corporate citizenship initiatives in area of influence
- Participate and support corporate responsibility initiatives for the achievement of business strategy (e.g.. Green Strategy).
- Seek opportunities to improve business processes; models and systems by identifying and recommending effective ways to operate and adding value to Nedbank.
- Contribute to the development of differentiated; superior solutions (solution engineering) that meet stakeholder and business requirements through analysis; business requirements gathering and designs validation.
- Ensure product and/or solution design is congruent with the required business specifications through meeting stakeholder requirements timeously.
- Contribute to the development of differentiated; superior solutions (solution engineering) that meet stakeholder and business requirements through analysis; business requirements gathering and designs validation.
- Ensure product and/or solution design is congruent with the required business specifications through meeting stakeholder requirements timeously.
- Ensure continuity and record keeping through formal sign-off at forums and by creating documentation.
- Ensure data accuracy through data and front-end analysis; pre and post testing of system/strategy changes.
- Ensure business process consistency through formal communication; updating and maintaining policies.
- Ensure accuracy and feasibility through impact analysis for newly developed products.
- Review reporting and ensure accuracy through analysis and providing feedback.Providing advice to key operational areas ensuring optimal resource allocation and desired results through analysis and communication.
- Manage access and change control and ensure compliance by creating change logs and restricting/providing access.
- Take corrective action where risk is identified in any processes; models or reporting; through analysis and formal communication.
- Support the achievement of the business strategy; objectives and values by reviewing Nedbank and Business Unit Plan and ensuring delivered systems; process; services and solutions are aligned.
- Improve personal capability and stay abreast of developments in field of expertise by identifying training courses and career progression for self through input and feedback from managers.
- Ensure personal growth and enable effectiveness in performance of roles and responsibilities by ensuring all learning activities are completed; experience practiced and certifications obtained and/or maintained within specified time frames.
- Enable skilling and required corrective action to take place by sharing knowledge and industry trends with team and stakeholders during formal and informal interaction
Professional Exposure
- Strong quantitative and statistical modeling skills
Proficiency in:
- Microsoft Excel and Office Suite
- Analytical tools and programming languages (e.g., SAS, Python, R)
Knowledge of:
- Risk management processes
- Regulatory frameworks (e.g., Basel, IFRS9)
- Project management principles
- Business writing and communication
- Ability to automate processes and improve operational efficiency
Qualification
Essential:
- Advanced Diploma or National First Degree in a quantitative discipline (e.g., Statistics, Mathematics, Actuarial Science, Data Science)
Preferred:
- Postgraduate Degree in:
- Statistics
- Mathematics
- Financial Risk Management (FRM)
- Chartered Financial Analyst (CFA)
- Certificate in Quantitative Finance (CQF)
Minimum Experience Level
3–5 years of experience in an analytical environment, ideally including:
- Credit risk modeling or scorecard development
- Data analysis and reporting
- Programming and automation of analytical processes
- Regulatory compliance and risk frameworks
Technical / Professional Knowledge
- Industry trends
- Microsoft Office
- Principles of project management
- Relevant regulatory knowledge
- Relevant software and systems knowledge
- Risk management process and frameworks
- Business writing skills
- Microsoft Excel
- Business Acumen
- Quantitative Skills
Behavioural Competencies
- Applied Learning
- Coaching
- Communication
- Collaborating
- Decision Making
- Continuous Improvement
- Quality Orientation
- Technical/Professional Knowledge and Skills
go to method of application »
Job Purpose
- To develop and maintain best practice models and assessment strategies in line with regulations (where applicable) in order to facilitate world class risk management and/or attainment of strategic objectives.
Job Responsibilities
- Build and formally present reports by monitoring business performance within the set risk appetite and through analysis.
- Report to; monitor and advise operational areas to manage trends through analysis for ad-hoc requirements.
- Manage client expectations by liaising with stakeholders through the model build process as well as the systems and strategy development process.
- Increase efficiencies through programming and automating processes.
- Enhance business efficiencies and ensure compliance through formal communications and interacting with external bodies.
- Challenge model builds from around the cluster through peer review participation and ensuring best practice.
- Contribute to a culture conducive to the achievement of transformation goals by participating in Nedbank Culture building initiatives (e.g. staff surveys etc).
- Research and make recommendations for corporate citizenship initiatives in area of influence
- Participate and support corporate responsibility initiatives for the achievement of business strategy (e.g.. Green Strategy).
- Seek opportunities to improve business processes; models and systems by identifying and recommending effective ways to operate and adding value to Nedbank.
- Contribute to the development of differentiated; superior solutions (solution engineering) that meet stakeholder and business requirements through analysis; business requirements gathering and designs validation.
- Ensure product and/or solution design is congruent with the required business specifications through meeting stakeholder requirements timeously.
- Contribute to the development of differentiated; superior solutions (solution engineering) that meet stakeholder and business requirements through analysis; business requirements gathering and designs validation.
- Ensure product and/or solution design is congruent with the required business specifications through meeting stakeholder requirements timeously.
- Ensure continuity and record keeping through formal sign-off at forums and by creating documentation.
- Ensure data accuracy through data and front-end analysis; pre and post testing of system/strategy changes.
- Ensure business process consistency through formal communication; updating and maintaining policies.
- Ensure accuracy and feasibility through impact analysis for newly developed products.
- Review reporting and ensure accuracy through analysis and providing feedback.Providing advice to key operational areas ensuring optimal resource allocation and desired results through analysis and communication.
- Manage access and change control and ensure compliance by creating change logs and restricting/providing access.
- Take corrective action where risk is identified in any processes; models or reporting; through analysis and formal communication.
- Support the achievement of the business strategy; objectives and values by reviewing Nedbank and Business Unit Plan and ensuring delivered systems; process; services and solutions are aligned.
- Improve personal capability and stay abreast of developments in field of expertise by identifying training courses and career progression for self through input and feedback from managers.
- Ensure personal growth and enable effectiveness in performance of roles and responsibilities by ensuring all learning activities are completed; experience practiced and certifications obtained and/or maintained within specified time frames.
- Enable skilling and required corrective action to take place by sharing knowledge and industry trends with team and stakeholders during formal and informal interaction
Essential Qualifications - NQF Level
- Matric / Grade 12 / National Senior Certificate
- Advanced Diplomas/National 1st Degrees
Preferred Qualification
Postgraduate Degree in:
- Statistics
- Mathematics
- Financial Risk Management (FRM)
- Chartered Financial Analyst (CFA)
- Certificate in Quantitative Finance (CQF)
- Data Science or related field
Minimum Experience Level
3–5 years of experience in an analytical environment, ideally within:
- Credit risk modeling
- Scorecard development (especially acquisition scorecards)
- Financial services or banking
- Quantitative analysis and data-driven decision-making
Professional Exposure:
- Strong quantitative and statistical modeling skills
Proficiency in:
- Microsoft Excel
- Microsoft Office Suite
- Relevant programming languages (e.g., SAS, Python, R)
Knowledge of:
- Risk management frameworks
- Regulatory requirements (e.g., Basel, IFRS9)
- Project management principles
- Business writing and communication
- Ability to automate and optimize processes
Technical / Professional Knowledge
- Industry trends
- Microsoft Office
- Principles of project management
- Relevant regulatory knowledge
- Relevant software and systems knowledge
- Risk management process and frameworks
- Business writing skills
- Microsoft Excel
- Business Acumen
- Quantitative Skills
Behavioural Competencies
- Applied Learning
- Coaching
- Communication
- Collaborating
- Decision Making
- Continuous Improvement
- Quality Orientation
- Technical/Professional Knowledge and Skills
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Job Purpose
- To lead and grow a high-performing team focused on advanced Machine Learning (ML) modelling and artificial intelligence capabilities that drive strategic value across the organization. This role is accountable for the development and operationalization of cutting-edge AI solutions, including predictive modelling, and generative AI. It enables scalable, reusable, and ethical AI practices by fostering cross-functional collaboration, embedding robust governance, and aligning with enterprise-wide data and digital strategies.
Job Responsibilities
- Define, grow, and lead a team of Data Scientists and ML Modelling Experts across proficiency levels, fostering technical excellence, delivery discipline, and innovation.
- Develop and deploy traditional ML models across key financial services domains fraud detection, collections, AML, operations, etc; using techniques like regression, classification, clustering, and time-series analysis to support decision-making and regulatory compliance.
- Advance customer and business intelligence through behavioural modelling, segmentation, lifetime value prediction, churn modelling, and recommendation systems — leveraging ensemble methods, graph-based learning, and temporal feature engineering to drive personalization and strategic growth.
- Explore and integrate advanced modelling approaches, including deep learning, graph neural networks, and retrieval-augmented generation (RAG) models — to enhance model performance, enable contextual understanding from unstructured data, and support emerging use cases such as document intelligence and GenAI-assisted analytics.
- Apply specialised ML techniques such as computer vision, natural language processing (NLP), and large language models (LLMs) to solve domain-specific challenges — including document classification, KYC automation, sentiment analysis, and intelligent customer interaction across banking channels.
- Identify opportunities across the Nedbank Group to enhance model performance and scalability through foundational capabilities such as feature engineering, graph-based data representation, and reusable modelling assets.
- Apply financial services domain knowledge to ensure models are aligned with regulatory requirements, business priorities, and industry-specific data characteristics.
- Collaborate closely with internal stakeholders — including business, data science, engineering, and platform teams — to ensure modelling solutions are integrated, governed, and strategically aligned.
- Introduce and support GenAI capabilities, particularly retrieval-augmented generation (RAG) models, where they complement traditional modelling — e.g., enhancing model explainability, document summarization, or contextual data retrieval.
- Design and manage data pipelines that support both traditional ML and GenAI workflows, including real-time and batch feature computation from structured and unstructured data sources.
- Drive innovation in feature creation, leveraging advanced techniques such as graph-based feature extraction, temporal feature engineering, and embedding generation.
- Lead the implementation and operation of scalable, reliable, and governed modelling platforms, ensuring they are production-ready, secure, and aligned with business needs.
- Own the lifecycle of modelling assets — including availability, documentation, versioning, monitoring, and governance — to ensure high-quality, trusted inputs for ML and AI solutions.
- Solve complex, unstructured problems with a detail-oriented mindset, working independently and driving initiatives to completion.
- Possess strong business and communication skills, enabling effective collaboration with business owners to define key modelling needs and ensure foundational assets meet those needs.
- Manage financial and business results, ensuring delivery within budget and timelines, and compliance with divisional billing and cost recovery processes.
- Deliver high-quality modelling systems and processes aligned to Nedbank’s strategic goals, data strategy, and AI roadmap.
- Provide timely, professional advice and strategic input to stakeholders, ensuring delivery within agreed quality, budget, and time parameters.
- Build and maintain strong stakeholder relationships by delivering consistent, high-value modelling services and solutions.
- Actively engage with clients, partners, and internal teams to build trust, align expectations, and ensure delivery of best-practice modelling foundations.
- Promote knowledge sharing and collaboration across teams and departments to strengthen the modelling and AI capability.
- Operationalize divisional strategy by aligning team priorities and empowering first-line managers with clear roles, performance measures, and delivery goals.
- Leverage professional frameworks, tools, and technologies to deliver scalable, strategic modelling solutions.
- Manage multiple foundational modelling assets through strategic planning, implementation, and continuous improvement.
Essential Qualifications - NQF Level
- Advanced Diplomas/National 1st Degrees
Preferred Qualification
- Tertiary Qualification/ formal accreditation in STEM related field
- BSC Computer Science, BSc Engineering, Econometrics, Mathematical Statistics, Actuary Science.
- Masters or Doctorate will be an added advantage.
- Post graduate management qualification/MBA
Essential Certifications
- ITIL Talent nurturing or equivalent MMP/SMP / MM or equivalent
Minimum Experience Level
- Minimum 6 to 8 years Data Science experience with 1-2 years management experience
Technical / Professional Knowledge
- Deep understanding of Machine Learning, Statistics, Optimization, or related fields, with a strong emphasis on feature engineering, data representation, and model architecture design tailored to financial services use cases.
- Proficiency in Python (required), with experience in additional languages such as R, Scala, or Java being advantageous for integrating with enterprise systems and legacy platforms.
- Demonstrated experience applying machine learning foundations within the financial services sector, with a strong understanding of domain-specific data, regulatory considerations, and business drivers across risk, fraud, customer intelligence, and operational modelling.
- Experience working with large-scale datasets and distributed computing tools (e.g., Spark, Ray), particularly for feature computation, transformation, and scalable model training.
- Proven track record in delivering end-to-end ML use cases, with a focus on foundational components like feature stores, graph-based data structures, and reusable modelling assets.
- Hands-on experience with GenAI and retrieval-augmented generation (RAG) models, including the use of vector databases, embedding models, and prompt engineering to support document intelligence, contextual search, and hybrid ML-AI workflows.
- Ability to translate complex data concepts into business-relevant narratives and insights, enabling strategic decision-making and stakeholder alignment.
- Excellent written and verbal communication skills, with a strong ability to collaborate across cross-functional teams including data engineering, business, and platform stakeholders.
- Experience in budgeting, business administration, and strategic planning, with a focus on aligning modelling initiatives to divisional and enterprise goals.
- Knowledge of change management and client service management principles, ensuring smooth adoption and integration of modelling solutions.
- Familiarity with governance, risk, and controls, especially in the context of data and ML asset management, model risk, and regulatory compliance.
- Strong stakeholder management and influencing skills, with the ability to navigate complex organizational structures and drive consensus.
- Experience in employee development, talent management, and workforce planning, fostering a high-performance modelling team.
- Understanding of project management principles and relevant regulatory frameworks, including POPIA, Basel, and IFRS where applicable.
- Skilled in business writing, management reporting, and communication strategies, supporting executive-level engagement and reporting.
- Familiarity with the System Development Life Cycle (SDLC), ITIL, and IT architecture, ensuring modelling solutions are aligned with enterprise technology standards.
- Experience with graph databases (e.g., Neo4j, TigerGraph) and graph analytics, particularly for feature engineering and relationship modelling in financial datasets.
- Understanding of IT asset management processes and joint application development practices, supporting scalable and governed modelling infrastructure.
- Ability to work within and influence complex organizational structures, driving strategic modelling initiatives across multiple squads and domains.
Behavioural Competencies
- Building Partnerships
- Facilitating Change
- Inspiring others
- Business Acumen
- Building partnerships
- Driving for Results
- Selecting Talent
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Job Purpose
- To manage credit through a team within a specific area / cluster in order to ensure the acquisition of quality assets; enhancements of revenues and maintenance thereof within laid down policies and procedures.
Job Responsibilities
- Minimise risks and grow assets through lending at acceptable risk levels.
- Enhance revenue by identifying sales opportunities through assessments and client visits.
- Manage returns through appropriate pricing for risk and setting appropriate fees.
- Minimise losses and impairments through proactive managing of the book.
- Manage the Client Service Team in order to improve efficiency and minimise expenses by guiding the team to be cost conscious.
- Ensure client satisfaction through provision of proactive/innovative solutions and adherence to acceptable turnaround times.
- Understand client needs and their operating environment through regular interactions and visits.
- Build and maintain stakeholder relations through regular formal and informal engagements.
- Identify development areas through client surveys and 360 feedback from stakeholders.
- Provide good service and turnaround times to internal stakeholders by ensuring that requests are responded to timeously.
- Ensure staff operate within guidelines by monitoring policy compliance through reviews and audit processes.
- Review and recommend appropriate allocation of mandates through segmentation, reviews and audit processes.
- Manage the quality of Credit Management Information System (CMIS) and exceptions through alignment with agreed benchmarks.
- Operate within personal mandate through reviews and audit processes.
- Ensure that quality decisions are made by auditing credit decisions made by credit managers within their mandate.
- Ensure the book is appropriately risk rated and adequately impaired by analysing, investigating and monitoring high risk accounts (e.g. exception reports).
- Provide timely information by preparing accurate, timely and relevant credit reports for review by management and committees.
- Monitor and manage turnaround times by using the information systems available.
- Ensure that audit findings are addressed by rectifying and providing feedback within agreed timeframes.
- Manage performance of staff by implementing performance agreements, ensuring a clear vision, agreeing on goals and objectives, providing regular feedback on performance (sharing information), recognising and rewarding achievement and take appropriate corrective action where required.
- Mentor and coach staff on identified performance gaps by discussing these performance gaps and agree on appropriate action to be taken and encouraging participation in decision making processes.
- Stay abreast in field of expertise and deliver on the expectations from stakeholders by building capability of self and staff through identifying current and future training and development needs.
- Contribute to team effectiveness by following the recruitment process when recruiting talent.
- Maintain a capable high performing team and ensure an environment for optimal performance is created by identifying talent pool through conducting career conversations, utilising the talent grid principles and developing talent retention programmes (e.g.. rotation).
- Ensure self and staff understand and embrace the Nedbank Vision and Values by leading by example and re-enforcing values during meetings.
- Manage the on boarding process of new employees by ensuring execution of preparations according to the on-boarding check-list.
- Support and encourage staff to participate and support corporate responsibility initiative.
- Achieve operational excellence by supporting the implementation of system and process enhancements through team engagement.
- Encourage team to generate innovative ideas and share knowledge.
Essential Qualifications - NQF Level
- Matric / Grade 12 / National Senior Certificate
- Advanced Diplomas/National 1st Degrees
Preferred Qualification
- Bachelor of Commerce
- Diploma in related field
Minimum Experience Level
- 10 years experience in a Credit Management role
- 2-3 years People Management experience
Technical / Professional Knowledge
- Business administration and management
- Change management
- Client service management
- Financial Accounting Principles
- Governance, Risk and Controls
- Operations planning
- Principles of project management
- Relevant regulatory knowledge
- Strategic planning
- Management information and reporting principles, tools and mechanisms
Behavioural Competencies
- Earning Trust
- Coaching
- Customer Focus
- Guiding Team Success
- Driving for Results
- Guiding Sales Opportunities
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Job Purpose
- To perform analysis on business data in order to leverage and communicate effectively with stakeholders; so as to add value to the businesss financial management strategy.
Job Responsibilities
- Build research capabilities by collating data from different sources and communicate to all stakeholders.
- Communicate solutions and ideas to stakeholders through meetings; presentations and generating reports.
- Build and maintain professional relationships with all stakeholders at all levels of the organisations.
- Contribute to a culture conducive to the achievement of transformation goals by participating in Nedbank Culture building initiatives (e.g. staff surveys etc).
- Participate and support corporate responsibility initiatives for the achievement of business strategy (e.g. Green Strategy).
- Seek opportunities to improve business processes and systems by identifying and recommending effective ways to operate and adding value to Nedbank.
- Create new innovative value by identifying analytical opportunities withn Nedbank.
- Identify business problems by analysing data and reports from various sources.
- Understand impact of scenarios or changes on the business by developing analytical tools for internal and external clients.
- Provide meaningful recommendations; explanations and highlights of concerns or anomalies by analysing and interrogating financial information.
- Ensure that financial business analysis is conducted in line with the set standards.
- Enhance processes; policies and procedures by researching; reviewing current documents and submitting recommendations.
- Ensure compliance by following policies and procedures and data integrity.
- Contribute to intellectual capital development by providing continuous motivation; mentoring; coaching and on the job skills training.
- Manage defined risks in the finance function and risk categories at targeted levels by adhering to internal and external guidelines/policies/ procedures/business rules/ compliance and governance requirements.
- Ensure value is maintained by identifying opportunities and potential risk and addressing them.
- Support the achievement of the business strategy; objectives and values by reviewing Nedbank and Business Unit Plan and ensuring delivered systems; process; services and solutions are aligned.
- Identify training courses and career progression for self through input and feedback from management.
- Ensure all personal development plan activities are completed within specified timeframe.
- Share knowledge and industry trends with team and stakeholders during formal and informal interaction.
- Obtain buy-in for developing new and/or enhanced processes (e.g. operational processes) that will improve the functioning of stakeholders' businesses by highlighting benefits in support of the implementation of recommendations.
Essential Qualifications - NQF Level
- Matric / Grade 12 / National Senior Certificate
- Advanced Diplomas/National 1st Degrees
Preferred Qualification
- BSc or BCom Degree (Finance, Maths or computer Science)
Minimum Experience Level
- 5 years of SQL based role
- 3-6 years experience in Financial Services Environment
- Banking Experience will be an advantage
- Understanding of Data and different payment Methods
Technical / Professional Knowledge
- Business Acumen
- Business principles
- Communication Strategies
- Data analysis
- Governance, Risk and Controls
- Nedbank policies and procedures
- Principles of financial management
- Research methodology
- Business writing skills
- Microsoft Office Product
- Regulatory knowledge
- IT / Banking knowledge
Behavioural Competencies
- Applied Learning
- Communication
- Decision Making
- Innovation
- Work Standards
- Technical/Professional Knowledge and Skills
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Job Purpose
- To provide professional and efficient call services in order to optimise client experience for Nedbank clients and ensure continued relationships are created and maintained.
Job Responsibilities
- Adhere to the daily schedule to ensure that targets are met by following the work plan.
- Follow Nedbank processes and values such as honesty; integrity; accountability; respect and pushing beyond boundaries when answering calls and when dealing with internal and external relations.
- Escalate all unresolved queries to management by logging the case on the system.
- Answer 90% of all calls within 60 seconds (90/60) as per Service level Agreements (SLA) Generate lead targets required on a month to month basis by offering products to the clients.
- Prevent losses that may occur in the business by being vigilant and making sure all calls are logged correctly.
- Contribute to a culture conducive to the achievement of transformation goals by participating in Nedbank Culture building initiatives (e.g. staff surveys etc).
- Participate and support corporate social responsibility initiatives for the achievement of key business strategies.
- Identify and recommend opportunities to enhance processes; systems and policies and support implementation of new processes; policies and systems.
- Keep abreast of legislation and other industry changes that impacts on role by reading the relevant newsletters; websites and attending sessions.
- Keep up to date with risk standards by reading; understanding and completing the updated manuals every time they are sent out and agreeing to the terms.
- Understand and embrace the Nedbank vision and demonstrate the values through interaction with team and stakeholders.
- Improve personal capability and stay abreast of developments in field of expertise by identifying training courses and career progression for self through input and feedback from managers.
- Ensure personal growth and enable effectiveness in performance of roles and responsibilities by ensuring all learning activities are completed; experience practiced and certifications obtained and/or maintained within specified time frames.
- Ensure information is provided correctly to stakeholders by maintaining knowledge sharing knowledge with team.
- Understand the nature of the client's query by reiterating the key points raised by the client.
- Give continuous feedback to management and the back office and ensure that stakeholders are also updated through communication of information required by the different stakeholders.
Minimum Experience Level
- 2 years or more contact centre experience.
- Must have cellphone service provider experience.
Essential Qualifications - NQF Level
- Matric / Grade 12 / National Senior Certificate
Preferred Certifications
- RE 5, FAIS Certification, Banking Certificate.
Preferred Qualification
Certificate: Call Centre
Technical / Professional Knowledge
- Administrative procedures and systems
- Relevant regulatory knowledge
- Relevant software and systems knowledge
- Business writing skills
- Banking knowledge
- Banking procedures
- Cluster Specific Operational Knowledge
- Business principles
- Business terms and definitions
- Governance, Risk and Controls
Behavioural Competencies
- Building Customer Loyalty
- Communication
- Technical/Professional Knowledge and Skills
- Managing Work
- Adaptability
- Quality Orientation
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Job Purpose
- The Credit Manager’s objective is to assess and evaluate the lending application for Business Commercial Banking clients, to minimise impairments and maximise profit.
- This role includes consistent application of the Nedbank’s credit policy, through a risk-based affordability assessment, periodic credit reviews of existing customers, and assessing the creditworthiness of potential customers within the agreed risk parameters as set out in the Nedbank Credit Strategy.
Job Responsibilities
- Perform monitoring exercise to ensure business alignment to agreed risk appetite measures.
- Gain consensus and highlight pertinent credit risk issues by preparing and presenting reports to various forums.
- Align credit policy to changes in the regulatory environment and in line with best practice by scanning changes and making recommendations.
- Facilitate and guide monitoring activities by obtaining legal opinion and directives.
- Establish emerging risks by studying the external environment including competitors and the macro economy.
- Manage budget by controlling expenditure.
- Contribute towards financial targets by monitoring and improving credit risk.
- Identify, establish and maintain relationships with stakeholders to ensure buy-in of monitoring activities and recommendations.
- Provide independent opinion to stakeholders to inform prudent risk management.
- Challenge recommendations and policy changes made by the business to ensure thorough understanding of the risk involved.
- Represent Credit Risk by participating in Risk Committees and Forums.
- Ensure that the bank, in its lending practices, treats the customer ethically and fairly by being the customer's voice in Risk Committees and Forums.
- Ensure alignment to changes in regulations and Group Policy by contributing to the maintenance of an up to date credit policy.
- Deliver on the credit risk monitoring plan by managing resources and activities.
- Address immediate and emerging risks by performing ad hoc monitoring exercises.
- Ensure compliance of agreed corrective actions by continuous monitoring.
- Ensure alignment of business to policy and regulations by monitoring and making recommendations.
- Ensure clear direction of activities by establishing and following an annual visitation programme for all regions.
- Ensure accuracy and quality by monitoring work done by team.
- Mentor and coach staff on identified performance gaps by discussing these performance gaps and agree on appropriate action to be taken.
- Motivate staff to perform and contribute to the success of the business by creating environment of teamwork through engaging with staff (sharing information) and encouraging participation in decision making processes.
- Stay abreast in field of expertise and deliver on the expectations from stakeholders by building capability of self and staff through identifying current and future training and development needs.
- Contribute to team effectiveness by following the recruitment process when recruiting talent.
- Maintain a capable high performing team and ensure an environment for optimal performance is created by identifying talent pool through conducting career conversations, utilising the talent grid principles and developing talent retention programmes (e.g. rotation).
- Ensure self and staff understand and embrace the Nedbank Vision and Values by leading by example and re-enforcing values during meetings.
- Manage the on boarding process of new employees by ensuring execution of preparations according to the on-boarding check-list.
- Ensure transformational targets are met for own team through consideration of targets during the staff recruitment, retention and training process and utilising suppliers listed on the preferred supplier list.
- Contribute to a culture conducive to the achievement of transformation goals by participating in Nedbank Culture building initiatives (e.g. staff surveys etc.).
- Create a client service culture through various required interventions.
- Achieve operational excellence by supporting the implementation of business optimisation improvement through team engagement.
- Encourage team to generate innovative ideas and share knowledge.
Requirements
- NQF Level 7 or Higher in a Financial or Banking related field essential
- CIMA, Credit management degree or equivalent will be advantageous.
- Valid driver's license and own reliable vehicle
- Min 5 Years’ Credit Assessment / Credit Evaluation and decisioning experience within Banking environment
- Min 3 Years' Business Banking experience in evaluating current and prospective clients financial Statements and credit reports to determine their ability to honour debt obligations.
- Firm understanding of legalities associated with lending and collateral
- 1 – 2 Years’ experience in a Team Management / Supervisory would-be advantage
- Proven track-record on managing a large book.
- Must be prepared to travel
Technical / Professional Knowledge
- Business administration and management
- Change management
- Client service management
- Financial Accounting Principles
- Governance, Risk and Controls
- Principles of project management
- Relevant regulatory knowledge
- Service level agreements
- Strategic planning
- Management information and reporting principles, tools and mechanisms
Behavioural Competencies
- Building Partnerships
- Earning Trust
- Coaching
- Communication
- Decision Making
- Inspiring others
- Guiding Team Success
- Planning and Organizing
Method of Application
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