Openings at Absa Group Limited (Absa)

Job Summary

• To provide sound legal advice and support in area of specialisation enabling the provision of legal risk management for the business.

Job Description

Accountability: Legal Risk

• Continued pro-active stakeholder engagement and involvement on a business level
• Ensure commercially and legally sound guidance and advice in respect of allocated regulatory requirements in a professional and supportive manner; always considering the potential alternatives within the rules and regulations applicable, endeavouring to find solutions to ensure lawfulness and compliance as well as the continuation of business

Accountability: Commercial

• Provide tailored, commercial advice as well as recommendations on legality, the lawfulness and enforceability of agreements and documents
• Good understanding of relevant products and services across AGL and assist in structuring, negotiating and drafting legal agreements and documentation

Accountability: Risk and Control

• Exercise sound risk judgement based on practice / previous experience and ensures, legal risk management
• Have a broad understanding of key risks in other areas and partners with others to manage and address them

Accountability: Teamwork

• Build strong relationships especially with other colleagues in legal and business stakeholders
• Assist to develop working structures and best practice guides for use within business

Accountability: Technical

• Demonstrate a thorough understanding of areas of specialisation and consider, comment, draft negotiate and give advice and guidance on documents/ agreements for the business.

Education

• Bachelor Honours Degree: Law, Military Science and Security (Required)

End Date: July 17, 2025 

go to method of application »

Job Summary

• The purpose of Senior Programme Manager role is to lead and manage the successful end-to-end delivery, coordination and implementation of a portfolio of transformation & change programmes that cut across cluster, and which achieve an outcome of realized benefits that are of strategic importance.

Job Description

Key Accountabilities:

Accountability: Programme Delivery

• Drive end to end delivery of the assigned programmes and portfolio of projects through a robust project planning and reporting to ensure that overdue items are brought back in line or with renegotiated delivery timelines.
• Coordinate a number of projects and their interdependencies in pursuit of the desired goals by providing leadership, influencing and directing the transition.
• Ensure that required steering committee reporting is facilitated.
• Provide high level conceptual input into the business design of the area.
• Ensure smooth transition of the programme to business as usual with a focus on continued delivery after closure.
• Achieve the programme objectives within the given cost and schedule constraints and with the allocated resources.
• Liaise with sponsor and major stakeholders.
• Define and manage Programme Governance.
• Make the required decisions or facilitate decision making to ensure that the agreed objectives will be achieved.
• Manage impact on the programme objectives, when scope changes and project changes that have time, quality or cost implications occur.
• Perform effective programme planning and estimating, as well as co-ordination of requirements with other support groups and team.
• Ensure effective staff allocation and optimum utilisation of these resources.
• Establish effective communication network.
• Manage team dynamics including resolution of conflicts.
• Ensure successful integration of the solution into the business through appropriate organisational change management interventions.
• Report programme status to senior management and sponsor.
• Contingency planning and exception handling.
• Management of user involvement with the Programme /Project teams, e.g. ensuring availability.
• Produce and maintain all Programme Control Documents as required by the Programme Management Processes aligned with Absa’s standardized Product Development Life cycle (SDLC) framework
• Quality assurance of all programme work products.
• Configuration Management of all relevant programme work products.
• Ensure that benefits defined in business cases are realised and that potential shortfalls or changes in the environment are highlighted to steering committees. Make recommendations to realign programmes or stop them if it becomes apparent that intended benefits will not be realised.
• Participate in the funding negotiations for each of the initiatives under management. Ensure that separate cost centres and systems reference numbers are allocated and that all costs for the programmes are accounted for.
• Recommend project expenses for approval within budget and up to the assigned limit. Escalate other items through to the project sponsors.
• Coach project team members on the technical aspects of their delivery including business analysis and design, project management discipline, development of business cases and change management skills.
• Review the performance of project team members against project timelines, agreed outputs and defined quality standards. Ensure that proper consequence management is put in place for poor delivery.
• Ensure that the defined engagement model and business rules are implemented and adhered to in the area of responsibility and create corrective actions where required.
• Drive a culture of proactive compliance in the function.
• Complete attestations to testify to the adequacy of controls on request review audit logs to ensure adequate attention.

Accountability: Programme Governance

• Ensure that all programmes and initiatives undertaken by the area conform to the Group's change methodology and review programme documentation/evidence for each component prior to requesting quality assurance reviews on the work completed. Ensure that findings raised on quality assurance are addressed.
• Action and drive a culture of proactive compliance in the function.
• Conduct root cause analysis, design and implement mitigation plans to ensure Group is prepared for future disruption in production.
• Ensure the development of programme update reports according to the frequencies determined by the key stakeholders for each programme. Review reports prepared for key initiatives and write the executive summaries for those programmes based on the key risks, issues and milestones. Present the reports to the programme steering 3 committees.
• Ensure that all risks and issues are properly logged, classified and escalated as required.
• Review project risk logs to identify high impact high probability items and work with team leaders to ensure that adequate risk mitigation and risk acceptance takes place.
• Ensure that the team maintains an adequate log of programme activities and report items to group change where required.
• Review the work prepared or executed by members of the project teams to ensure adequate quality and completeness.

Accountability: Risk Management

• Monitor all business risk activities (including business assurance and operational risk management) within the operating environment through obtaining feedback and providing guidance for tactical plans to ensure compliance to Group standards.
• Drive a culture of proactive compliance and risk management within the executive team and the function as a whole.
• Implement risk and conformance management structures and reporting frameworks to proactively manage business risks and provide an early warning system on an EXCO level.
• Review the risk management and compliance practices of the function as a whole and highlight areas that require improvement to leaders in the team. Ensure that they understand their responsibility for risk ownership.
• On a quarterly basis, evaluate of the status of Operational and Principle Risks within the function and complete the required attestations to confirm control status.
• Present the function’s requirements in various forums.

Accountability: Relationship and Stakeholder Management

• Liaise and engage with various internal Stakeholders to secure their respective support in the implementation of transformation strategies and also ensuring capacity exists to implement the change.
• Review and report transformation performance and trends to the respective exco as well as other stakeholders.
• Manage and influence wider team individuals to deliver transformation programme and keep to the agreed timelines and commitments.
• Maintain and develop awareness of remediation management requirements, issues and changes across the business.
• Interact with executive management to appraise them of developments and progress in implementing transformation frameworks, processes and standards.
• Manage key stakeholders across the business by ensuring their issues, objectives and priorities are reflected in the agreed solutions, both individually and through delegation and management of subordinates.
• Support business in the conversion of data extracts into relevant reports and data sets as required (which includes compiling Management Information and ad-hoc queries) by converting underlying raw data into useful information according to business requirements while adhering to agreed deadlines.

Education and Experience Required

• Degree/ Honours /Master’s Degree.
• Project Management Diploma or Certification.
• Essential – 10 Years project management experience, preferably in a financial services environment.
• Preferrable – 3 or more years’ experience managing the delivery of business transformation projects/programme.

Skills:

• Planning and Execution (Expert)
• Financial Management (Expert)
• Risk Management (Expert)
• People Management (Advanced)
• Understanding of business process (Expert)
• Extensive Project Management Skills (Expert)
• Networking and relationship management (Expert)
• Influencing senior stakeholders (Expert)
• Excellent written and verbal communication skills (Expert)
• Strong influencing and negotiating skills (Expert)
• Relationship management at executive level (Advanced)
• Commercial awareness (Advanced)
• Manage a varied portfolio of activities (Expert)
• Effective Leadership of teams across business clusters/functional areas (Advanced)

Education

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

End Date: July 17, 2025 

go to method of application »

Job Summary

• The purpose of Senior Programme Manager role is to lead and manage the successful end-to-end delivery, coordination and implementation of a portfolio of transformation & change programmes that cut across cluster, and which achieve an outcome of realized benefits that are of strategic importance.

Job Description

Key Accountabilities:

Accountability: Programme Delivery

• Drive end to end delivery of the assigned programmes and portfolio of projects through a robust project planning and reporting to ensure that overdue items are brought back in line or with renegotiated delivery timelines.
• Coordinate a number of projects and their interdependencies in pursuit of the desired goals by providing leadership, influencing and directing the transition.
• Ensure that required steering committee reporting is facilitated.
• Provide high level conceptual input into the business design of the area.
• Ensure smooth transition of the programme to business as usual with a focus on continued delivery after closure.
• Achieve the programme objectives within the given cost and schedule constraints and with the allocated resources.
• Liaise with sponsor and major stakeholders.
• Define and manage Programme Governance.
• Make the required decisions or facilitate decision making to ensure that the agreed objectives will be achieved.
• Manage impact on the programme objectives, when scope changes and project changes that have time, quality or cost implications occur.
• Perform effective programme planning and estimating, as well as co-ordination of requirements with other support groups and team.
• Ensure effective staff allocation and optimum utilisation of these resources.
• Establish effective communication network.
• Manage team dynamics including resolution of conflicts.
• Ensure successful integration of the solution into the business through appropriate organisational change management interventions.
• Report programme status to senior management and sponsor.
• Contingency planning and exception handling.
• Management of user involvement with the Programme /Project teams, e.g. ensuring availability.
• Produce and maintain all Programme Control Documents as required by the Programme Management Processes aligned with Absa’s standardized Product Development Life cycle (SDLC) framework
• Quality assurance of all programme work products.
• Configuration Management of all relevant programme work products.
• Ensure that benefits defined in business cases are realised and that potential shortfalls or changes in the environment are highlighted to steering committees. Make recommendations to realign programmes or stop them if it becomes apparent that intended benefits will not be realised.
• Participate in the funding negotiations for each of the initiatives under management. Ensure that separate cost centres and systems reference numbers are allocated and that all costs for the programmes are accounted for.
• Recommend project expenses for approval within budget and up to the assigned limit. Escalate other items through to the project sponsors.
• Coach project team members on the technical aspects of their delivery including business analysis and design, project management discipline, development of business cases and change management skills.
• Review the performance of project team members against project timelines, agreed outputs and defined quality standards. Ensure that proper consequence management is put in place for poor delivery.
• Ensure that the defined engagement model and business rules are implemented and adhered to in the area of responsibility and create corrective actions where required.
• Drive a culture of proactive compliance in the function.
• Complete attestations to testify to the adequacy of controls on request review audit logs to ensure adequate attention.

Accountability: Programme Governance

• Ensure that all programmes and initiatives undertaken by the area conform to the Group's change methodology and review programme documentation/evidence for each component prior to requesting quality assurance reviews on the work completed. Ensure that findings raised on quality assurance are addressed.
• Action and drive a culture of proactive compliance in the function.
• Conduct root cause analysis, design and implement mitigation plans to ensure Group is prepared for future disruption in production.
• Ensure the development of programme update reports according to the frequencies determined by the key stakeholders for each programme. Review reports prepared for key initiatives and write the executive summaries for those programmes based on the key risks, issues and milestones. Present the reports to the programme steering 3 committees.
• Ensure that all risks and issues are properly logged, classified and escalated as required.
• Review project risk logs to identify high impact high probability items and work with team leaders to ensure that adequate risk mitigation and risk acceptance takes place.
• Ensure that the team maintains an adequate log of programme activities and report items to group change where required.
• Review the work prepared or executed by members of the project teams to ensure adequate quality and completeness.

Accountability: Risk Management

• Monitor all business risk activities (including business assurance and operational risk management) within the operating environment through obtaining feedback and providing guidance for tactical plans to ensure compliance to Group standards.
• Drive a culture of proactive compliance and risk management within the executive team and the function as a whole.
• Implement risk and conformance management structures and reporting frameworks to proactively manage business risks and provide an early warning system on an EXCO level.
• Review the risk management and compliance practices of the function as a whole and highlight areas that require improvement to leaders in the team. Ensure that they understand their responsibility for risk ownership.
• On a quarterly basis, evaluate of the status of Operational and Principle Risks within the function and complete the required attestations to confirm control status.
• Present the function’s requirements in various forums.

Accountability: Relationship and Stakeholder Management

• Liaise and engage with various internal Stakeholders to secure their respective support in the implementation of transformation strategies and also ensuring capacity exists to implement the change.
• Review and report transformation performance and trends to the respective exco as well as other stakeholders.
• Manage and influence wider team individuals to deliver transformation programme and keep to the agreed timelines and commitments.
• Maintain and develop awareness of remediation management requirements, issues and changes across the business.
• Interact with executive management to appraise them of developments and progress in implementing transformation frameworks, processes and standards.
• Manage key stakeholders across the business by ensuring their issues, objectives and priorities are reflected in the agreed solutions, both individually and through delegation and management of subordinates.
• Support business in the conversion of data extracts into relevant reports and data sets as required (which includes compiling Management Information and ad-hoc queries) by converting underlying raw data into useful information according to business requirements while adhering to agreed deadlines.

Education and Experience Required

• Degree/ Honours.
• Project Management Diploma or Certification.
• Essential – 8 to 10 years project management experience, preferably in a financial services environment.
• Preferrable – 4 or more years’ of digital transformation experience managing the delivery of strategic initiatives and/or business process efficiency improvements.

Skills:

• Planning and Execution (Expert)
• Financial Management (Expert)
• Risk Management (Expert)
• People Management (Advanced)
• Understanding of business process (Expert)
• Extensive Project Management Skills (Expert)
• Networking and relationship management (Expert)
• Influencing senior stakeholders (Expert)
• Excellent written and verbal communication skills (Expert)
• Strong influencing and negotiating skills (Expert)
• Relationship management at executive level (Advanced)
• Commercial awareness (Advanced)
• Manage a varied portfolio of activities (Expert)
• Effective Leadership of teams across business clusters/functional areas (Advanced)

Education

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

End Date: July 17, 2025 

go to method of application »

Job Summary

• Bring your analytical expertise to the fight against financial crime.
• At Absa Group, we are committed to safeguarding our customers and the financial system from illicit activity.
• We are seeking a Senior Manager: Customer Review ARO to join our Financial Crime team, with a strong focus on Customer, data analytics, data mining, and financial crime risk analysis.

Job Description

Key Responsibilities:

• Lead the design and implementation of data-driven processes to support customer reviews in line with AML policies, FATF guidance, and regulatory requirements.
• Perform advanced data analysis on customer review outputs to identify risk patterns, emerging typologies, and potential threats.
• Develop and maintain dashboards and reporting mechanisms to monitor the effectiveness of customer review processes and ensure compliance with internal standards.
• Conduct comparative and trend analysis of review statistics to identify inefficiencies and propose enhancements.
• Collaborate with stakeholders across IT, Compliance, and Business Units to ensure seamless integration of analytics into operational workflows.
• Provide subject matter expertise in financial crime risk identification, prioritisation, and mitigation through data insights.
• Support governance forums with actionable intelligence and insights derived from customer review data.

What We’re Looking For:

• A National Diploma or Higher Certificate (NQF Level 5) in Anti-Money Laundering, Compliance Management, and or within Data Analytics.
• Minimum 5 years’ experience in Anti-Money Laundering, Fraud, Financial Crime Risk Investigations, or Compliance.
• Proven experience in data analytics, data mining, and the use of analytical tools to support compliance and risk functions.
• Strong understanding of FICA, AML regulations, and corresponding banking laws.
• Advanced skills in analytical thinking, risk management, and regulatory compliance.
• Ability to translate complex data into clear, actionable insights for decision-making.

Education

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

End Date: July 17, 2025 

go to method of application »

Job Summary

• Take accountability for Financial Crime Transaction Monitoring for Absa South Africa and lead a team of specialist investigators and team leaders in ensuring Absa South Africa complies with all relevant Transaction Monitoring legislative and regulatory requirements.

Job Description

Oversight, Operational Support and Coordination:

• Be accountable and take responsible for all aspects of transaction monitoring (“TM”), surveillance, and reporting. The incumbent will be responsible for implementing the strategic direction and appropriate intelligence-led TM activity across the Absa Group (South Africa and the Absa Regional Operations (“ARO”) countries) (“Group”) to ensure a top in class capability which enables the Group to appropriately manage financial crime and terrorist financing risk and which ensures the Group is compliant with all related regulatory, policy and standards
• Lead the establishment and continued improvement of an effective TM control environment comprised of both an automated transaction monitoring system (“ATMS”) and non-ATMS referral streams.
• Expand the non-ATMS control environment in effectiveness, efficiency and coverage, across the Group..
• Develop and implement data-driven methods to assess the end-to-end effectiveness of the TM control environment.
• Lead the work related to regulatory reporting meetings, information requests, queries and findings from regulatory inspections as it relates to TM.
• Lead the creation of a work environment in which all TM colleagues display the Financial Crime Values.
• Lead the creation of a work environment where all TM colleagues know exactly what is expected of them and they are empowered to deliver on these expectations.
• Lead the creation of a work environment based on flexibility allowing the necessary autonomy within which colleagues can focus on delivering against objectives.
• Lead the creation of a culture and environment that encourages the proactive and deliberate delivery beyond what is expected from a role profile, but to delivering output that positively impacts the overall delivery of financial crime control measures across the Financial Crime function.
• Ensure that appropriate TM Standards are compiled and approved by the Head: TM.
• Ensure that the TM Standards are implemented and complied with by way of oversight of the appropriate management information reports (daily and monthly) as well as quality assurance reports.
• Ensure that appropriate processes are designed and implemented to oversee the daily distribution of TM alerts for investigation and reporting purposes by the TM Analysts.
• Ensure that daily monitoring is performed on the status of all TM alerts to comply with the regulatory timeframe for transaction monitoring investigations and reporting.
• Ensure that appropriate processes and controls are designed and implemented to comply with all regulatory requests and instructions.

Team Managment:

• Ensure that sufficient resources/capacity exists within the team to comply with the standards, processes and reporting timeframes pertaining to TM.
• Ensure that an annual leave programme for team leaders and team members are compiled and that sufficient capacity exists during the peaks and valley periods.
• Document, socialise, agree and contract PD objectives for the team leaders and ensure that all analysts have contracted PD objectives.
• Document and agree development plans, talent profiles, and retention plans for Team Leaders and ensure that the same exists for all Analysts.
• Ensure that all compulsory training is completed timeously by Team Leaders and Analysts.

Reporting and Governance:

• Conduct comparative analysis of reporting statistics to assess whether the non-ATMS and ATMS processes and reporting systems are efficient and operate optimally.
• Propose updates, revisions or changes as and when detected.
• Report and escalate all TM risks and issues arising from the businesses promptly and appropriately.
• Inform the Head: TM with regards to all TM risks that pose financial or reputational risks for the business.
• Ensure that all daily, weekly and monthly TM related reporting is provided to the Head: TM.
• Ensure that comprehensive action plans are developed and agreed with regards to problematic matters as confirmed by the reporting.
• Ensure that all TM Assurance and or Internal Audit findings and issues are tracked and closed within the agreed due dates.
• Attend all TM related governance forums and provide valuable input, guidance and problem resolution.
• Ensure the timeous, complete and accurate reporting of all KRI/KRO information monthly.
• Stay abreast of all new developments in the field of expertise and execute on own development as defined in the development plan compiled by the Head: TM.

People Management:

• Take decisions and lead the team in respect of the recruitment of staff and HR related matters pertaining to the area under control.
• Ensure that an appropriate training programme is designed and approved by the Head: TM and that all newly appointed Team Leaders and Analysts are trained in Absa's policies and procedures that are relevant to TM.
• Contract and monitor job specific training and development of team leaders and analysts to enable continuous development.
• Provide guidance to all analysts with regard to complex investigations.
• Participate in the development, distribution and regular review of training material and processes related to Financial Crime Compliance.
• Engage team members and peers in team building initiatives to nurture a co-operative one team ethos within Intelligence & Surveillance.

Reporting:

• Ensure timeous completion and delivery of statistics to the Line Manager for the consolidation of reports to the South African Reserve Bank, Group Risk & Compliance, Board, Group Money Laundering Control Forum and internal status report, etc.
• Document new trends and typologies related to Money Laundering to ensure growth and development of team members and promote the awareness with the Money Laundering Control representatives within the Group.
• Supervise and/or execute all ad hoc requests from Management that are related to Suspicious Transaction Reporting for Group and Internal projects and initiatives.

Stakeholder Management:

• Establish and maintain good working relationships with the Financial Intelligence Centre to enhance and maintain Absa's image as a benchmark to other Financial Institutions in South Africa.
• Establish and maintain relationships with the Group Money Laundering Control Representatives appointed within the Business Units by providing guidance where required.
• Establish and maintain excellent working relationships with key stakeholders such as IT and system owners.

Education

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

End Date: July 17, 2025 

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Job Summary

• Seeking a strategic, seasoned and experienced Operational Risk Senior specialist to lead and embed robust operational risk management practices across the organisation.
• This senior-level role is accountable for driving the identification, assessment, monitoring, and mitigation of non-technology and non-cyber operational risks, ensuring alignment to the enterprise risk and resilience frameworks.
• This position plays a critical role in strengthening the Business Unit's Control Environment through oversight of risk events, breaches, dispensations, and waivers; delivery of deep dive reviews, thematic issue analysis, root cause assessments, and emerging risk identification. The role will also provide leadership in risk-based process mapping, enhancement initiatives, mitigation planning, and tracking.
• The incumbent will lead the coordination of critical risk activities including RCSA's, KRI's, Operational resilience assessments (OHS/BCM), Combined Assurance integration, and the preparation of executive and committee-level reporting. They will also contribute to shaping the Business Unit's risk appetite, materiality thresholds, and classification frameworks.
• This is a high-visibility role requiring strong stakeholder engagement across senior leadership, risk forums, and assurance functions. A solid understanding of digital and business transformation environments is advantageous.
• The ideal candidate will have 3–5+ years’ experience in operational risk management within financial services, with a proven track record of delivering strategic and tactical risk outcomes at senior levels.

Job Description

• Ready to step into a high-impact role where your operational risk expertise will shape how we protect and grow our business?
• We're on the hunt for a Senior Operational Risk Specialist — someone with a sharp eye for risk and a passion for strengthening controls and processes across the business.
• This is not your average risk role.
• You’ll be embedded in the engine room of operational risk, driving proactive risk management across the enterprise — minus cyber, tech and change risk. We’re looking for someone who thrives in complexity and brings structure, insight, and resilience

What you’ll be doing:

• Managing operational risk end-to-end (excluding cyber, technology, and change risk)
• Handling dispensations, waivers, breaches, issues, and risk events
• Conducting deep dives, horizon scanning, and identifying emerging risks
• Performing root cause analyses and thematic issue identification
• Tracking and monitoring issues to closure
• Leading process mapping, enhancement, and risk mitigation planning
• Supporting Combined Assurance as the point of entry
• Contributing to OHS, BCM, critical process reviews, and operational resilience
• Facilitating RCSAs, KRI development, and appetite threshold design
• Conducting reconciliations of risk events, quality assurance, and 2nd line reviews
• Preparing and presenting to Risk Committees (decks, papers, minutes)
• Supporting risk classification frameworks, materiality thresholds, and governance
• Staying ahead with industry trends and insights

What you bring:

• 3–5 years in an operational risk role in banking or financial services
• Deep understanding of the ERMF/ORMF and regulatory landscape
• Proven experience in risk management frameworks, analysis and controls
• Skilled in report writing, stakeholder engagement, and executive-level communication
• Experience in risk tools and systems (GRC platforms a plus)
• Knowledge of digital processes and risk in digital environments (bonus)

You’ll thrive if you are:

• Proactive and curious — always two steps ahead
• Structured, analytical, and detail-oriented
• A confident communicator who can hold their own in committee forums
• Able to simplify complex risk topics into actionable insights
• A team player who enjoys solving problems collaboratively

Education

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

End Date: July 17, 2025 

go to method of application »

Job Summary

• To provide sound legal advice and support in area of specialization enabling the provision of legal risk management for the business

Job Description

Accountability: Legal Risk

• Continued pro-active stakeholder engagement and involvement on a business level
• Ensure commercially and legally sound guidance and advice in respect of allocated regulatory requirements in a professional and supportive manner; always considering the potential alternatives within the rules and regulations applicable, endeavouring to find solutions to ensure lawfulness and compliance as well as the continuation of business

Accountability: Commercial

• Provide tailored, commercial advice as well as recommendations on legality, the lawfulness and enforceability of agreements and documents
• Good understanding of relevant products and services across Absa Group and assist in structuring, negotiating and drafting legal agreements and documentation

Accountability: Risk and Control

• Exercise sound risk judgement based on practice / previous experience and ensures, legal risk management
• Have a broad understanding of key risks in other areas and partners with others to manage and address them

Accountability: Teamwork

• Build strong relationships especially with other colleagues in legal and business stakeholders
• Assist to develop working structures and best practice guides for use within business

Accountability: Technical

• Demonstrate a thorough understanding of areas of specialisation and consider, comment, draft negotiate and give advice and guidance on documents/ agreements for the business.

Education and Experience:

• Admitted Attorney
• 3 to 5 Years PQE Financial Advisory experience
• Previous experience preferred in FAIS and Advice, Distribution - Investment and Insurance Advisory, Litigation, Fraud, Forensic Investigations.
• Knowledge and understanding of Absa Financial Services.

Education

• Bachelor Honours Degree: Law, Military Science and Security (Required)

End Date: July 18, 2025 

go to method of application »

Job Summary

• To provide sound legal advice and support in area of specialization enabling the provision of legal risk management for the business

Job Description

Accountability: Legal Risk

• Continued pro-active stakeholder engagement and involvement on a business level
• Ensure commercially and legally sound guidance and advice in respect of allocated regulatory requirements in a professional and supportive manner; always considering the potential alternatives within the rules and regulations applicable, endeavouring to find solutions to ensure lawfulness and compliance as well as the continuation of business

Accountability: Commercial

• Provide tailored, commercial advice as well as recommendations on legality, the lawfulness and enforceability of agreements and documents
• Good understanding of relevant products and services across Absa Group and assist in structuring, negotiating and drafting legal agreements and documentation

Accountability: Risk and Control

• Exercise sound risk judgement based on practice / previous experience and ensures, legal risk management
• Have a broad understanding of key risks in other areas and partners with others to manage and address them

Accountability: Teamwork

• Build strong relationships especially with other colleagues in legal and business stakeholders
• Assist to develop working structures and best practice guides for use within business

Accountability: Technical

• Demonstrate a thorough understanding of areas of specialisation and consider, comment, draft negotiate and give advice and guidance on documents/ agreements for the business.

Education and Experience:

• Admitted Attorney
• 3 to 5 Years PQE Financial Advisory experience
• 3 to 5 Years PQE Trust, Wills. Deceased Estates
• Previous experience preferred in FAIS and Advice, Trusts, Wills, Unclaimed Benefit Funds, Deceased Estates, Litigation, Fraud, Forensic Investigations.
• Knowledge and understanding of Absa Financial Services.

Education

• Bachelor Honours Degree: Law, Military Science and Security (Required)

End Date: July 18, 2025 

go to method of application »

Job Summary

• To deliver secretarial, general office and administrative support services to manager(s) and or team(s) through the execution of predefined objectives as per agreed standard operating procedures (SOPs).

Job Description

• Administrative Activities: Performing day-to-day administrative tasks such as maintaining information files and processing paperwork.
• Dealing with Stakeholders: Taking responsibility for managing the expectations of stakeholders
• Quality Assurance: Maintain a desired level of quality in a service or product, especially by means of attention to every stage of the process of delivery or production 
• Meeting deadlines: Completes tasks timeously 
• Verifying Information: Check different types of information for accuracy and inconsistency 

Education

• Further Education and Training Certificate (FETC): Office Administration (Required)

End Date: July 17, 2025 

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Job Summary

• Provide customers with a mortgage solution at their convenience and in the process deliver on contracted sales targets through the delivery of superior customer service.

Job Description

JOB DESCRIPTION :

• Maintain visibility, presence and networks with all Internal and External business partners.
• Execute action plans in order to meet the agreed and contracted Application, Final grant and Registration targets as per Performance Development plans.
• Engage with existing customers, identified through the relevant lead generation process, to establish possible re-mortgage needs and provide advice on mortgage lending.
• Travel to and meet with prospective customers or sources, at a place and time of their convenience, providing mortgage customer solutions, assisting in completing and submitting the application with all required supporting documents to the Production Centre for processing.
• Manage and track all submitted deals into the Production Centre by following the agreed tracking process and keep the customer and source informed of the progress and/or status of the application.
• Ensure that all business secured complies with the governance and compliance framework.
• Maintain agreed conversion ratios on application-to-grant and grant-to-registration as per the Absa Home Loan process
• Continuously explore and investigate all opportunities (e.g. Property shows, Auctions, Show houses, etc.) in order to increase sources of business and sales intake.
• Keep abreast of competitor activities by studying all available information (e.g. newspaper articles, Marketing campaigns) in order to proactively offer solutions to customers and sources.
• Provide superior customer service by proactively and timeously obtaining outstanding documentation to ensure complete applications
• Ensure that any query or complaint received from a customer is acknowledged and resolved as per laid down process.
• Ensure customer satisfaction by delivering outstanding customer service in line with the TCF (Treating Customers Fairly) principles which will result in increased sales and retention of Home Loans customers,
• Maximise on cross cell opportunities by way of Value added products such as Property Insurance, Life cover and New to Bank transactional accounts.

Education and Experience

• Required : National Certificate and NQF level 5 qualification
• Preferred : NQF6 Qualification in Business / Commerce
• Required : A minimum of 2 to 3 years in a Sales Roles.
• Preferred : A minimum of 2 to 3 years in a residential home loan finance role.

Knowledge & Skills:

• Sales & Customer Experience
• Property Finance knowledge
• Communication skills
• Entrepreneurial thinking
• Digital adoption
• Negotiation Skills

Remuneration

• A Fixed CTC Remuneration for months 1 to 4 and thereafter a reduced fixed CTC Remuneration with an aligned commission structure.

Education

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

End Date: July 21, 2025 

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Job Summary

• To follow the six steps of financial planning in executing the role of a FAIS licensed financial adviser.
• A professional introduction must be made to introduce the adviser and the services offered by the adviser. Upon client approval the adviser may conduct a Financial Needs Analysis (FNA) in the disciplines of Investment, Life Insurance and Estate planning. Based on the concluded FNA to make recommendations to address single or multiple needs identified on behalf of the client.
• Advice recommendations will must be presented under the license categories for which the adviser is accredited Absa approved product(s) that are deemed will meet the needs of the client.
• On client acceptance of all or part of the advice, the adviser is required to implement the accepted advice through Absa’s new business processes.
• The adviser must conduct regularly review of the client needs to assess continued suitability of implemented solutions.
• In these reviews, new needs may be addressed and changes to existing plans be propose

Job Description

• Accountability: To establish and maintain a professional relationship with all stakeholders (Client, Bank personnel, product providers and Adviser Support staff)
• Participate in reciprocal leads activities and sales/pipeline meetings to identify opportunities for new or repeat business, and fully utilising Absa’s bancassurance structure.
• Assess client’s needs through use of recommended needs analysis tools, ensuring that the client is aware of the full value proposition offered by AIFA.
• Prepare recommendation and quote for appropriate risk and investment solutions based on the client’s individual needs and profile.
• Present recommendation to clients, ensuring that all FAIS regulations are followed regarding advice given.
• Follow all the steps in the designated client engagement process as specified by Absa Advisers.
• Provide regular feedback to the Regional Manager on actions taken to progress the lead to business.
• Network, on an ongoing basis, with all stakeholders in Everyday Banking (PGM’s and Regional Managers) and elsewhere by attending their meetings and social gatherings to position the Absa Advisers' value proposition to the Bank and to the clients

Accountability: Meet sales and/or growth targets

• Do activity planning by identifying the clients to be approached/contacted during a particular period in conjunction with Everyday Advice Executive.
• Using the leads information provided by the source and or Regional Manager listings, as well as leads sourced through own prospecting activities and determine the client's financial needs.
• Make exclusive use of Absa’s Financial Needs Analysis tool (Avalon from Aug 2024 onwards) to conduct a comprehensive Financial Needs Analysis for the client.
• Obtain the client's consent to access his/her existing policy information by getting him/her to sign the relevant documents to get a comprehensive view of the client's financial needs.
• Discuss various possible solutions and options available with the client and thereafter recommend the most appropriate products and or solution(s) to address financial needs.
• Generate and discuss a formal recommendation including product quote(s) for the client.
• On acceptance of part or all the advice recommendations, complete the necessary product application forms and ensure that the client signs the forms to indicate his/her consent to engage in a transaction(s).
• Gather, generate, and complete all the necessary compliance documentation (e.g., Client Advice Record, copy of ID, Financial Needs Analysis, FICA).
• Submit the proposal forms to the relevant product providers for processing.
• Ensure that the issued policy aligns to the recommended product.
• Review the client's portfolio at a minimum of once a year and contact the client based on the adviser and client agreed contact strategy to maintain a healthy client relationship.
• Provide a report back to the Regional Manager and Everyday Banking stakeholders on the strike rate (i.e., the number of leads provided that were converted to business) where applicable.
• Seek business opportunities from external sources as necessary to grow the book of business and reciprocate leads to Regional Managers and PGM’s.

Accountability: Manage own commission earnings

• Capture the correct Policy Relevant Information (PRI) number on the Commission system.
• On a monthly basis, check the accuracy of the commission statements received from the Broker Commissions department. Verify that all the PRI numbers reconcile to the commission paid and reflected on the statements Keep the client database up to date by ensuring that new clients are added to the database.
• Follow up on unpaid premiums and lapses by contacting the clients to establish the reasons for the problems Manage the suspense account timeously by clearing it on the system at month end.

Accountability: Practice Management

• Ensure that staff members (Adviser Assistants) have a clear understanding of their roles and responsibilities within the adviser practice.
• Arrange for staff members to receive the relevant training (Absa programs for the Interns) e.g., systems training, product training and operational training.
• Provide coaching and mentoring to assistant(s) with regards to facilitate knowledge and skills development.
• Participate performance development (PD) discussions as required by the Absa performance management standards.
• Take the necessary corrective actions in cases of underperformance in consultation with the Regional Manager. Implement controls with regards to compliant record keeping in accordance with minimum Absa business standards (i.e. FAIS, FICA, FSB and)
• Liaise with Provincial Operations Office) with regards to maintenance of systems and equipment and provision of other services
• Complete all the required compliance exams in the specified timeframes (e.g. Anti-Money Laundering, Sanctions, BCM, Basic Financial Crime Concepts).
• Remain fit and proper as required for FAIS flagged roles.
• Provide monthly feedback to the branch, and Business Bank, regarding non-interest income (seat costs) and cross-selling opportunities
• Segment the client base according to profile, income potential and commission income.
• Engage with business development strategies with the support of the Regional Manager and our practice management subject matter experts to maximise the sustainability of the adviser practice

Accountability: Personal Development

• Attend all the required training to attain accreditation to market Absa approved products.
• Attend all the requisite internal training (i.e FAIS-related programs/courses).
• Attain the required FAIS credits in order to attain Fit and Proper status
• Ensure that Fit and Proper status is maintained (honesty, integrity, financial solvency)

Education

• Bachelor`s Degrees and Advanced Diplomas: Accounting, National Senior Certificate/ Matric (Grade 12)

End Date: July 31, 2025 

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Job Summary

• Short Term Insurance: Credit Control Team Leader (FAIS), minimum 4 years experience, sound understanding of debtors and creditors and basic accounting functionalities and financials.
• BCOM Accounting preferable

Job Description

• People Management: Coach, mentor and manage team members toward driving business objectives and ensuring colleague development.
• Business Management: Allocate duties to team members in order to achieve operational targets, including prioritisation and work schedules.
• Compliance and Risk Management: Fulfil all activities in adherence to relevant control and compliance requirements, and quality standards.
• Stakeholder Management: Actively promote and manage the collaborative engagement of internal and external stakeholders, including regulators, suppliers, clients, service providers, business partners and other Absa entities. 
• Reporting: Provide reporting of inbound and outbound calls and maintain standard reporting templates against relevant requirements.
• Achievement of financial goals: Achieve annual sales targets according to business objectives, potential and growth, through delegation and close monitory of the performance of Contact Centre Agents (CCA).

FAIS Fit and Proper Requirements Applicable to this Role (Advice and Intermediary Service):

• FSCA-Approved Qualification
• Regulatory Exam for Representatives (RE5)
• Experience As Per the FAIS Act
• Product Specific Training once Onboarded
• Class Of Business Training
• Continuous Professional Development
• Attest To Honesty, Integrity, and Good Standing

Education

• Higher Diplomas: Business, Commerce and Management Studies (Required)

End Date: July 18, 2025 

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Job Summary

• Build high-performing, scalable, enterprise-grade applications & build capability in others to do the same.
• This includes but is not limited to applying critical thinking, design thinking and problem solving skills in an agile team environment to solve complex technical problems (Front End, Back End and Integration) with high quality solutions & leading all phases of the development lifecycle to deliver.

Job Description

• The Investment Banking Technology team (IB Tech) is looking for an experienced and passionate Software Developer to lead and manage the Operations Integration development team.
• The Operations Integration development team is part of the IB Tech Operations cluster which primarily supports the Markets and Treasury Post Trade Services, and Investment Banking Compliance business areas.
• The team is responsible for developing and maintaining several bespoke systems supporting processes such as electronic trade confirmation, trade matching and allocation, exchange control vetting and reporting, accounting integration, etc. and providing second-line support.

Key Responsibilities:

• Lead and manage a team of developers responsible for developing and maintaining key banking systems.
• Foster a culture of continuous improvement and innovation built on values such as collaboration, ownership, transparency, and respect.
• Drive high performance balanced with sustainable pace.
• Provide mentorship, performance feedback, and career development support to team members.
• Design, develop, and maintain high-quality applications using C#, .NET, AWS, and various other technologies.
• Oversee code reviews, ensuring best practices and adherence to standards.
• Collaborate with product owners, analysts, architects, risk partners, and other stakeholders to define requirements and delivery timelines.
• Oversee and perform second line support, troubleshooting and performing corrective maintenance as required.
• Maintain and improve documentation and knowledge bases.
• Ensure compliance with bank policies and regulatory requirements.

Required Education:

• Degree in Computer Science/IT/related field, or equivalent working experience.
• Relevant AWS certifications.

Required Experience/Skills:

• 8+ years of experience in software development with a strong proficiency in C# and the .NET ecosystem.
• 2+ years of experience in a technical leadership or team lead role.
• A strong grasp of fundamental software development principles, practices, tools and techniques.
• A strong grasp of modern software practices (DevOps, CI/CD, Containisation, IaC, Cloud, etc.).
• Experience with AWS, automated testing, and agile practices.

Advantageous Experience/Skills:

• Experience with React, Angular, Kafka, Hadoop.
• Experience within the Corporate and Investment banking domain.
• Experience within the post trade services domain.

Required Soft Skills:

• A high degree of emotional intelligence
• Ability to motivate and influence
• Ability to mediate and resolve conflict
• Creative problem solver
• Strong work ethic
• Quality focused
• Customer centric
• Collaborative team player - inspirational People Leadership
• Strong organisational skills
• Strong communication skills

Why might you be interested in this role?

• Learn the domain of Corporate and Investment banking.
• Help to grow a high-performing development team.
• Contribute to improving and modernising software development practices.
• Work for one of South Africa's leading banks and employers of choice.
• Earn highly competitive compensation, benefits, and performance incentives.
• Enjoy continuous growth and development with opportunities to move within the bank.
• Receive financial support for continued learning (courses, certifications, tertiary, etc.).

We have a culture that values:

• Ownership and autonomy
• Diversity and the unique contribution of individuals
• Teamwork and collaboration
• Continuous improvement
• Innovation
• Pragmatism
• Experimenting without fear of failure

Education

• Bachelor's Degree: Information Technology

End Date: July 20, 2025 

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Job Summary

• To provide administrative and operational support to the Ombudsman Liaison, Level 2 Complaints Team, and Complaints Manager.
• This role ensures efficient handling of complaints, accurate record-keeping, and timely communication with stakeholders and regulatory bodies.

Job Description

Key Responsibilities

Ombudsman Support (50%)

• Assist and support in managing Ombudsman service groups
• Ensuring all complaints received from Ombudsman is updated on the system assigned to Ombudsman Liaison for investigation
• Support and assist in gather information to assist with investigations or resolution
• Acknowledging complaints with complainants or Regulatory when Liaison is on Leave
• Assist with weekly reminders and follow up to business and regulator

Level 2 Support (40%)

• Assigning and capturing new cases
• Follow-up to BUs for requests for feedback and updates
• Acknowledge complaints – when necessary
• Stand in for the person who is on leave – Handle complaints for that person that is left in the queue or comebacks.

Complaints Manager Support (10%)

• Assist with weekly extract of open complaints for weekly check in meetings
• Assist with setting up meetings with complaints team and business stakeholders
• Preparing CCRC complaints packs and sending out agenda with invites
• Minute recording of meeting and assisting with tracking and following up with action owners for open items

Required Experience & Skills

Experience

• Life Insurance Knowledge
• Customer Service or Complaints management experience

Skills Required

• Strong Administrative
• Listening and Telephone Etiquette Skills
• Proactive management of tasks
• English and Afrikaans reading, writing and speaking.
• Problem Solving
• Communication Skills
• Conflict Resolution
• Attention to detail and Multitasking

Education

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

End Date: July 22, 2025 

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Job Summary

• To provide banking services accurately and timeously through the execution of predefined objectives as per agreed standard operating procedures (SOPs). Selecting this role has a compensation & benefit impact in TZ (NBC), Botswana, Kenya. Please contact Reward for details.

Job Description

• Customer service: Deliver customer service at first point of contact
• Capturing financial transactions: Capture all financial transactions on the Bank system and ensure that all transactions are properly authorised by a mandated official before finalising the processing
• Fraud prevention: Identify potential fraudulent transactions and report these and other suspicious transactions as per the Money Laundering control framework to management
• Capture customer data: Update demographics such as address changes, name changes and standing order instructions based on information supplied by customer.

Education

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

End Date: July 19, 2025 

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Job Summary

• To provide banking services accurately and timeously through the execution of predefined objectives as per agreed standard operating procedures (SOPs). Selecting this role has a compensation & benefit impact in TZ (NBC), Botswana, Kenya. Please contact Reward for details.

Job Description

• Customer service: Deliver customer service at first point of contact
• Capturing financial transactions: Capture all financial transactions on the Bank system and ensure that all transactions are properly authorised by a mandated official before finalising the processing
• Fraud prevention: Identify potential fraudulent transactions and report these and other suspicious transactions as per the Money Laundering control framework to management
• Capture customer data: Update demographics such as address changes, name changes and standing order instructions based on information supplied by customer.

Education

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

End Date: July 20, 2025 

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Job Summary

• To assist Trust Officers and Trust Managers in the general administration of trusts and process financial transactions accurately and timeously through the execution of predefined objectives as per agreed standard operating procedures (SOPs).

Job Description

• General Administration of Trusts
• Keep abreast of knowledge and skills relevant to the area of work by reading all communication received from legal department and attending all informative sessions (updates received from legal department, broadcasts etc.)
• Receive newly opened trust file for Testamentary or Inter Vivos Trust Administrator: Trust and / or Administrator: Trust and approve that the information was captured correctly according to information in the Will or Trust Deed.
• Prepare the letter to SARS (to register as taxpayer) and attach the trust document.
• Prepare the first letter (welcome and informative letter) to the client according to the Trust Manual. Attach the needs analysis form to the client's letter and mail to the client
• Provide security to the Master of the High Court when needed as a requirement as set out in the court order in the case of a third party inter vivos trust, by completing the necessary documentation. The documents to be completed will be those required by the insurance company who stands surety for Absa Trust, obtain the nominated trustee's signature and arrange for payment of the premium to the insurance company.
• Prepare the Acceptance of Trusteeship, obtain the nominated trustee's signature and attach the other necessary documentation (which could be the existing Letters of Authority, poof of advertisement, Inventory etc.) according to the Master of the High
• Court's requirements to be submitted to the Master of the High Court.
• Take responsibility for the legal operationing of the trust by diarising and following up on issuing of Letters of Authority by the Master of the High Court within reasonable time. (A trustee cannot act legally if the Letters of Authority had not been issued)
• Arrange insurance on fixed properties according to the replacement value of the property and ensure annual payments of the premiums. (The Trust manual stipulates the process to be followed when insuring trust assets as well as the reports which are printed monthly to remind them on premiums to be paid.)
• Arrange for the monthly rates and taxes bill to be mailed to Absa Trust and ensure payment upon receipt. Write to the different municipalities for change of address and obtain confirmation. Diarise to follow up monthly if the bills were received for payment.
• If the Trust has other assets like furniture, cars, policies etc., ensure proper transfer into the name of the trust, and arrange insurance to minimize risk for Absa Trust or Trustees.
• Follow up on the payment of the premiums (annual or monthly) by working through the specific reports printed from the trust system, as indicated in the Trust manual.
• Prepare monthly debit orders for payment of allowances on the Trust system in terms of the client's needs analysis and hand it to the Trust manager for approval.
• Evaluate requests (i.e. allowances, school fees) received from clients according to the guidelines in the Trust manual and prepare recommendation for submission to the Trust Manager. Attach all necessary documentary proof.
• After approval, prepare the debit order for payment of the request in accordance with the approved amount, sign the debit order and hand to the Trust Manager to co-sign before handing it to the Administration department to capture.
• Facilitate ad-hoc payments to clients in the same manner as the monthly allowances.
• Evaluate the requests by considering the trust capital, termination date of the trust, client's circumstances etc.; as guided in the Trust manual.
• Facilitate all correspondence to clients via letter, sms, e-mail.
• Handle daily incoming and outgoing mail, faxes, e-mails and telephone enquiries from clients, municipalities, brokers, insurance companies etc. (all people or institutions who need to communicate with Absa Trust as Trustee of the trust)
• Ensure liquidity of funds by timeously arranging for investments to be realised. Withdraw funds from the money market by liaising with the investment managers.
• Calculate the fees to be taken and give instructions to the administration department for collection of all fees to which Absa Trust is entitled; i.e. Acceptance fees, Distribution fees, Management fees, Income tax fees
• Conduct general filing of correspondence, yearend statements and returned
• Certificates of Maintenance.

Education

• Further Education and Training Certificate (FETC): Office Administration (Required)

End Date: July 21, 2025 

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Job Summary

• Provide specialist advise and support for day-to-day work, in order to execute predefined objectives as per agreed standard operating procedures (SOPs).

Job Description

• Stakeholder Management: Actively promote and manage the collaborative engagement of internal and external stakeholders, including regulators, suppliers, clients, service providers, business partners and other Absa entities
• Sales Target : Proactively make self-initiated contact with customers in order to deliver against the required sales targets
• Customer Engagement: Do activity planning by identifying the clients to be contacted during a particular period.
• Compliance and Risk Management: Fulfil all activities in adherence to relevant control and compliance requirements, and quality standards
• Manage own broker practice: Ensure that staff members (Broker Assistants an Interns as relevant) have a clear understanding of their roles and responsibilities within the practice

Education

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

End Date: July 18, 2025 

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Job Summary

• Drive the development, delivery and maintenance of a robust and comprehensive IA Quality Assurance and Improvement Program for the Absa Internal Audit Function

Job Description

Key Accountabilities:

• Assessing other aspects of the IA Activity from time to time in line with the IIA Standards (e.g., thematic reviews)
• Providing timely, succinct, and insightful feedback on all QAIP reviews to audit teams and senior leaders within IA.
• Drive continuous improvement of the IA Methodology and review of the pan African IA Charters in line with relevant regulations, industry standards and best practice , and provide training on the changes.
• Lead the department in keeping current on changes and emerging best practices of the IA profession from a professional practices and quality assurances perspective, including undertaking research/benchmarking activities on into other emerging issues and opportunities.
• Lead the QAIP digital transformation journey
• As and when required, perform (plan, execute and report) QA File Reviews of completed audits to assess audit risk and adherence to the Internal Audit (IA) Methodology.
• Reviewing and contributing the Functions’ annual IIA Self-Assessments against all the IIA Standards and Code of Ethics for period reporting to the Group Audit and Compliance Committee.
• Assess the independence and objectivity of the IA Function and IA staff members to enable the CIA’s attestation to the Chairman of the GACC
• Supporting audit delivery teams, when required, with advice on the practical application / coaching on the implementation of IA Methodology principles.
• Providing regular methodology training and updates to auditors across the IA function, including new recruits/joiners.
• Support the Chief Internal Auditor and Head: QAIP with brand eminence activities.
• Fulfil any ad hoc activities as required
• Supervising the QAIP team i.e. line manager responsibilities

Preferred and Required Education and Experience:

• Bachelor`s Degrees and Advanced Diplomas: Business, Commerce and Management Studies (Required), Masters degree preferred.
• Relevant professional qualifications i.e. CIA, and Certified External Quality Assurance Assessor is required
• Financial services and/or Information Technology industry knowledge, preferably within the Banking sector
• Minimum of five years’ experience in risk-based internal auditing, risk management or risk and control activities in a regulatory discipline, with Quality Assurance experience within Internal Audit (i.e. file reviews)
• Minimum of four years' line manager experience

Knowledge and Skills:

• Extensive experience in risk-based auditing or risk/control activities.
• Ability to communicate and influence at senior/middle management levels in the organisation.
• Evidence of influencing and driving change.
• Ability to think and operate in an enterprise-wide capacity, contributing to the main effort of the function over the demands of individual silos
• Thought leadership and Eminence.
• Pragmatism

Education

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

End Date: July 25, 2025 

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Job Summary

• To perform risk and securities administrative duties, through the execution of predefined objectives as per agreed standard operating procedures

Job Description

• Risk and Control: Perform quarterly risk and control assessments, front to back for allocated business.
• Administrative Support: Assist with all Administrative and general functions, including but not limited to logging risk events, issues, tracking and updating risk registers, reporting, and performing Risk and control self-assessments (RCSA), reporting and tracking of issues.
• Assist Managers in ensuring compliance with policies and procedures
• Releasing quarantined emails.

Education

• Higher Diplomas: Business, Commerce and Management Studies (Required)

End Date: July 22, 2025 

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Job Summary

• 10+ years in a specific capability of importance to the bank, including a track record of 5 years in a people management position in a large enterprise.
• Experience must include developing integrated customer-centric product or service solutions or corporate practice development while working with and managing stakeholders across business and/or functional areas and budget management.
• Exposure to digital transformation and data-driven decision-making is preferred.
• Demonstrated success in leading payment strategy or innovation in banking, fintech, or digital platforms.
• Experience in engaging executive stakeholders in shaping and delivering complex payments strategies.
• Post Graduate Degree: Honours Degree, Post Graduate Diploma and Professional Qualifications [NQF8]

Job Description

• Shape and drive an integrated cross-rail and franchise payment strategy for Personal and Private Banking, that is aligned to the local and global Payment’s landscape. Design and facilitate strategic payments and performance agenda to inform strategy development, execution and management in collaboration within the Group Payments ecosystem. Leverage payment research and insights to identify strategic payment opportunities and provide directional payment advisory capability to Customer, Product and Channels areas.

KEY FOCUS AREAS

• Develop and lead the integrated Retail Payments Strategy across products, segments, and channels to deliver growth, efficiency, and innovation.
• Align the bank’s payments agenda with the South African national payments’ roadmap and regulatory developments.
• Collaborate with Product, Customer, Technology, and Digital teams to ensure coherence in payments product development and strategy.
• Identify and evaluate new payment innovations, infrastructure changes, and emerging trends to inform strategic positioning.
• Represent Retail in enterprise and industry payments strategy forums and influence the broader payments agenda.
• Shape the transformation of payments capabilities to enable next-gen, customer-centric, and cost-effective payment solutions.
• Drive strategic performance reviews of the payment’s portfolio across rails (card, account-to-account, real-time, mobile, QR, etc.).
• Facilitate executive-level decision-making by providing insight and thought leadership on payment developments and trade-offs.
• Enable monetisation and competitive advantage through differentiated payment propositions.
• Ensure risk, compliance, and governance requirements are embedded in the design and execution of payment strategy.

ACCOUNTABILITIES

Strategy Formulation and Execution

• Define and execute a Retail Payments Strategy aligned to national and global payments landscapes.
• Lead strategy development across payment rails, customer segments, and business units.
• Guide investment decisions and prioritisation of payment initiatives based on impact and feasibility.
• Translate long-term strategic objectives into aligned business plans, execution roadmaps and key milestone measurements for the business area.
• Cascade strategic goals and ensure alignment between business unit vision and functional implementation priorities, setting clear short, medium and long-term milestones.
• Develop effective partnerships to enable business performance and contribute to sector-wide influence aligned with strategic initiatives.
• Respond to emerging policy and regulatory trends by adapting operational strategy and ensuring compliance alignment.
• Track execution progress against key strategic initiatives and intervene to correct course where needed.
• Support transformation initiatives through structured programme delivery and change management practices.
• Provide expert advice and support in operating model, strategy, and value chain formulation and delivery alignment.
• Identify practices and technologies that provide competitive advantage and enable knowledge sharing and integration of practice areas.
• Undertake analysis of management and specialist information and guide reporting tool implementation to improve decision-making quality.

Customer Primacy

• Ensure customer needs, preferences, and payment behaviours are central to strategy development.
• Shape seamless, secure, and inclusive customer payment experiences across physical and digital touchpoints
• Interpret market and customer insights to inform operational plans and prioritise capability investments
• Provide expertise in designing integrated frameworks to embed service excellence across payment rails.

Sustainable Growth

• Identify new growth opportunities in payments revenue streams, embedded finance, and partnerships. Monitor and optimise performance of payment portfolios to ensure profitability and revenue growth
• Work with business partners to define and execute on growth strategies and ecosystem initiatives.
• Mobilise functional teams to deliver growth targets and embed performance accountability.
• Monitor growth delivery, resolving barriers and reinforcing strategic objectives at operational levels.
• Formulate and develop multi-function operating frameworks that contribute to sustainable growth through payments

Client-Driven Innovation and Change

• Scan for global and local payments trends and innovations.
• Shape a proactive innovation agenda that enables payment modernisation and future readiness.
• Partner with digital and technology teams to design and deliver new payment capabilities.
• Monitor competitive landscape and identify opportunities to improve products, services, or operations.
• Drive continuous improvement and innovation within the team to enhance customer outcomes.
• Influence and communicate across all levels of the business to minimise resistance to change and ensure onboarding of target audiences.
• Scan the external environment to investigate alternative delivery models and offer innovative advice for competitive advantage.
• Drive change management activities across a single value chain for optimal adoption of change.

Leading Talent

• Build capability in payments strategy, innovation, and regulatory insight within the team and across Retail.
• Collaborate with cross-functional teams to drive strategic clarity and engagement on payments.
• Act as a thought leader and coach on payments across the organisation. Embed people processes and values into business routines, reinforcing a strong leadership culture.
• Create inclusive team environments that support performance, wellbeing, and growth.
• Address escalated people issues and ensure application of performance and development processes.
• Develop future leaders through mentorship, stretch assignments, and tailored development experiences.

Operational Effectiveness

• Lead performance tracking and reporting for the payment’s strategy and portfolio.
• Define KPIs to measure strategic progress, adoption, and value realisation.
• Streamline decision-making and operating rhythm for payments forums.
• Operationalise strategic goals into functional plans with clear deliverables, timelines, scorecards to enable effective tracking of business performance
• Set appropriate financial and other resourcing plans to enable business performance, tracking against budgets and investments for both current and long-term strategic goals.
• Represent the business area in operational forums and with delivery partners.
• Leverage data insights to improve operational effectiveness and customer outcomes.
• Continuously improve processes for agility, quality, and alignment with customer needs and digital tools.
• Identify problems and formulate alternate solutions to resolve value chain conflicts.
• Provide expert advice on operating model, strategy, value chain formulation, and business controls/governance frameworks.

Digital Adoption

• Leverage technology to drive frictionless, secure, and intelligent payments infrastructure.
• Integrate payments strategy into broader digital and platform strategies.
• Promote adoption of real-time, mobile, and embedded payments.
• Execute digital initiatives and promote adoption of technologies that improve efficiency and user experience.

Good Governance, Risk and Compliance

• Ensure compliance with regulatory requirements in payments strategy execution.
• Manage payments risks including fraud, cyber, AML, and operational resilience.
• Lead Retail’s response to regulatory changes impacting payments.
• Implement governance, risk, and compliance frameworks in business processes and team routines.
• Promote risk awareness and lead the response to regulatory changes and emerging issues.
• Enable the development and implementation of integrated corporate governance frameworks in areas of specialisation such as payments
• Influence the implementation of effective internal controls systems and corporate governance practices for payments

Data Monetisation

• Leverage payments data to generate insights for commercial and product development.
• Collaborate with analytics teams to build real-time visibility into payment flows and performance.
• Support customer segmentation, pricing, and targeting using payments data.
• Apply data insights to support business planning and decision-making in the business area.

Stakeholder Management

• Engage with Exco, Group Payments stakeholders, regulators, and industry bodies to influence and align payment priorities.
• Coordinate across Retail business units to ensure strategic coherence and shared execution.
• Represent the Retail Bank in payments innovation and strategy ecosystems.
• Manage relationships with key stakeholders to support aligned delivery and issue resolution.
• Ensure stakeholder expectations are managed and engagement is consistent with transformation priorities.

QUALIFICATIONS AND EXPERIENCE

Education/ Qualification:

• Post Graduate Degree: Honours Degree, Post Graduate Diploma and Professional Qualifications [NQF8]

Field of Study:

• Finance, Business Strategy, Economics, Digital Payments, Technology Management, or related fields. Postgraduate qualification preferred.

Work Experience:

• 10 years+ in a specific capability of importance to the bank, including a track record of 5 years in a people management position in a large enterprise.
• Experience must include developing integrated customer-centric product or service solutions or corporate practice development while working with and managing stakeholders across business and/or functional areas and budget management.
• Exposure to digital transformation and data-driven decision-making is preferred.
• Demonstrated success in leading payment strategy or innovation in banking, fintech, or digital platforms.
• Experience in engaging executive stakeholders in shaping and delivering complex payments strategies.

COMPETENCIES

Leadership Competencies:

• Strategic Thinking
• Business Acumen
• Communication
• Influence
• Leadership
• Creativity and Innovation
• Delivering Results
• Adaptability
• Collaboration

Knowledge and Skills:

• Payment’s ecosystem and market infrastructure
• Retail and emerging payment rail strategy
• Regulatory and national payments frameworks
• Product and customer strategy alignment
• Strategic performance management
• Payment’s innovation and trends
• Stakeholder engagement and influence
• Risk, compliance, and governance in payments

Education

• Postgraduate Degrees and Professional Qualifications: Business, Commerce and Management Studies

End Date: July 22, 2025 

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Job Summary

• 10+ years’ experience in a specific capability of importance to the bank, including a track record of 5 years in a people management position in a large enterprise. Experience must include developing integrated customer-centric product or service solutions or corporate practice development while working with and managing stakeholders across business and/or functional areas and budget management. Post Graduate Degree: Honours Degree, Post Graduate Diploma and Professional Qualifications [NQF8]

Job Description

• Develop and implement a sustainability strategy for the Retail Bank to drive material change and differentiation in the market. Set the sustainability agenda for financial inclusion, climate, diversity, governance, and social impact. Create a multi-function framework for sustainable growth, integrating regulatory and industry practices. Provide thought leadership on green growth and sustainable services. Influence new practices, support strategy alignment, and evaluate new opportunities.

KEY FOCUS AREAS

• Lead the Retail Bank’s sustainability strategy by and driving the ESG agenda that creates long-term stakeholder value.
• Design and deliver the Retail Bank’s sustainability agenda through targeted assessments, strategy frameworks, and sectoral transition planning
• Shape and champion a distinctive sustainability agenda that reflect material impact on inclusive finance, climate resilience, social impact, and responsible business conduct.
• Build a unified, cross-functional sustainability framework aligned to local and international regulatory and industry standards.
• Act as a strategic advisor to senior leadership on sustainability opportunities, risks, and trade-offs across all portfolios.
• Translate global and local ESG trends into actionable bank-wide priorities and innovative propositions.
• Integrate sustainability metrics into performance measurement, reporting, and capital allocation frameworks.
• Lead engagements with regulators, rating agencies, industry bodies, and ESG stakeholders to influence and align expectations.
• Drive a culture of responsible business through knowledge share, technical training on ESG standards, disclosure readiness, and risk monitoring
• Support the monetisation of green and sustainable finance opportunities through partnerships and product innovation.
• Ensure transparency and accountability through robust ESG governance, disclosures, and assurance processes.

ACCOUNTABILITIES

Strategy Formulation and Execution

• Define the long-term sustainability ambition and roadmap for the Retail Bank in alignment with Group and regulatory strategies.
• Lead the development of ESG strategic priorities, targets, and implementation plans across all capabilities.
• Provide input into capital investment decisions, trade-offs, and business cases from a sustainability value perspective.
• Apply ESG materiality assessments to inform capital investments, trade-offs, and sustainability-linked business cases
• Translate long-term strategic objectives into aligned business plans, execution roadmaps and key milestone measurements for the business area.
• Cascade strategic goals and ensure alignment between business unit vision and functional implementation priorities, setting clear short, medium and long-term milestones.
• Develop effective partnerships to enable business performance and contribute to sector-wide influence aligned with strategic initiatives.
• Respond to emerging policy and regulatory trends by adapting operational strategy and ensuring compliance alignment.
• Coordinate Sustainability enablement across reporting systems, governance processes, and functional teams to ensure delivery readiness
• Track execution progress against key strategic initiatives and intervene to correct course where needed.
• Lead Sustainability transformation programmes through structured delivery frameworks, change adoption models and Sustainability forums.
• Advise on integrating ESG principles into operating models, strategy design, and end-to-end value chain alignment.
• Identify practices and technologies that provide competitive advantage and enable knowledge sharing and integration of best practice.
• Undertake analysis of management and specialist information and guide reporting tool implementation to improve decision-making quality.

Customer Primacy

• Embed sustainability into customer propositions to strengthen brand trust and attract sustainability-conscious segments.
• Promote financial inclusion by influencing product design, channel access, and customer education aligned to ESG goals.
• Interpret market and customer insights to inform strategic trade off decisions and prioritise capability investments.
• Leverage ESG-related customer data to evolve value propositions, enhance sustainability adoption, and measure ESG-related impact
• Champion sustainability-led customer decision-making, balancing inclusion, impact, and experience across business units.
• Coordinate ESG-integrated transformation efforts that align product, service, and channel experience around shared sustainability values.
• Represent the sustainability-conscious customer voice in executive forums to guide ESG transformation and service design
• Design and implement services that meet sustainability-conscious customer needs and embed ESG value across touchpoints

Sustainable Growth

• Lead enterprise-wide initiatives to develop and scale sustainable finance solutions (e.g., green loans, ESG-linked lending).
• Support value-creation opportunities through partnerships that promote inclusive and climate-resilient economic activity.
• Shape approaches to long-term value measurement, including environmental and social returns.
• Develop growth plans that align sustainability imperatives with segment-level priorities and value drivers.
• Collaborate with internal and external stakeholders to define and execute on sustainable growth strategies and initiatives.
• Mobilise cross -functional teams to deliver growth targets and build accountability through Sustainability performance measures and metrics.
• Evaluate environmental, social, financial, and customer outcomes of ESG-linked initiatives to ensure sustainable business viability

Customer-Driven Innovation and Change

• Identify ESG-driven innovation opportunities in products, services, and customer experiences.
• Champion sustainability transformation by enabling cultural, behavioural, and capability shifts across the organisation.
• Pilot and scale sustainability-related initiatives, ensuring agility in adapting to emerging risks and opportunities.
• Monitor competitive landscape and identify opportunities to improve sustainable products, inclusive services and responsible operations.
• Drive innovation cycles and feedback loops that improve sustainability outcomes for customers and communities
• Lead operational change, ensuring readiness, engagement, and measured impact across delivery teams.
• Champion ESG-aligned change adoption by influencing senior stakeholders, enabling strategic communication, and supporting ESG narrative integration

Leading Talent

• Foster ESG expertise and talent development across the Retail Bank, including business, product, and risk teams.
• Act as a thought leader and mentor for sustainability professionals and champions across the enterprise.
• Model inclusive leadership and purpose-driven engagement aligned with sustainability values.
• Embed people processes and values into business routines, reinforcing a strong leadership culture.
• Develop workforce capabilities to meet business plan execution requirements and future readiness.
• Create inclusive team environments that support performance, wellbeing, and growth.
• Address escalated people issues and ensure application of performance and development processes.
• Develop future leaders through mentorship, stretch assignments, and tailored development experiences.

Operational Effectiveness

• Establish ESG performance tracking and reporting mechanisms embedded in operational reviews.
• Work with operations and procurement teams to implement sustainable practices in the bank’s supply chain and resource use.
• Embed sustainability KPIs into performance frameworks and management reporting systems.
• Operationalise strategic goals into functional plans with clear deliverables, timelines, scorecards with team and individual KPIs to enable effective tracking of business and individual performance.
• Set appropriate financial and other resourcing plans to enable business performance, tracking against budgets and investments for both current and long-term strategic goals.
• Represent the business area from a sustainability perspective in operational forums and with delivery partners.
• Leverage data insights to improve sustainability effectiveness and customer outcomes.
• Provide expert advice on operating model, strategy, value chain formulation, and business controls/governance frameworks as they relate to sustainability.

Digital Adoption

• Leverage digital tools and data platforms to enable ESG data tracking, disclosures, and customer engagement.
• Promote the use of technology in sustainability innovation (e.g., carbon calculators, inclusive digital products).
• Support tech-enabled reporting and regulatory compliance in alignment with ESG frameworks.

Good Governance, Risk and Compliance

• Ensure adherence to ESG-related legislation, codes, and voluntary frameworks (e.g., TCFD, GRI, King IV).
• Strengthen ESG risk assessment in decision-making and enterprise risk frameworks.
• Lead sustainability disclosures and engagements with ESG ratings agencies, regulators, and auditors.
• Promote sustainability risk awareness and lead the response to regulatory changes and emerging issues.
• Support audit readiness and ensure operational teams adhere to compliance requirements.
• Define and consolidate the sustainability risk profile for the business unit, manage critical risks, and ensure resolution feedback to stakeholders.

Data Monetisation

• Identify and enable the use of ESG data to develop differentiated customer insights, ratings, and value propositions.
• Collaborate with data teams to build sustainability-related data assets and analytics capabilities.
• Contribute to sustainable finance scoring models and ESG dashboards to support credit, risk, and product teams
• Use ESG data insights to inform strategic planning, glidepath development, and sustainability-linked decision-making.
• Develop controls and mechanisms to ensure ESG data integrity for disclosure, performance tracking, and regulatory compliance.
• Guide the monetisation of ESG data by translating environmental and social indicators into business opportunities and strategic actions

Stakeholder Management

• Lead ESG-related engagements with key internal and external stakeholders including regulators, investors, partners, and customers.
• Represent the Retail Bank in industry forums, sustainability working groups, and public-private partnerships.
• Serve as a key interface for ESG strategy alignment across business, finance, HR, compliance, and external affairs.
• Manage relationships with key stakeholders to support aligned delivery and issue resolution.
• Ensure stakeholder expectations are managed and engagement is consistent with transformation priorities.

QUALIFICATIONS AND EXPERIENCE

Education/ Qualification:

• Post Graduate Degree: Honours Degree, Post Graduate Diploma and Professional Qualifications [NQF8]

Field of Study:

• Environmental Science, Sustainability, Economics, Public Policy, Development Finance, or related fields. Postgraduate qualification preferred.

Work Experience:

• 10+ years’ experience in a specific capability of importance to the bank, including a track record of 5 years in a people management position in a large enterprise. Experience must include developing integrated customer-centric product or service solutions or corporate practice development while working with and managing stakeholders across business and/or functional areas and budget management.
• Exposure to digital transformation and data-driven decision-making is preferred.
• Demonstrated success in leading enterprise-wide sustainability strategy development and execution in financial services or related sectors.
• Experience in engaging executive stakeholders in integrating ESG into business strategy, risk, and performance management.

COMPETENCIES

Leadership Competencies:

• Strategic Thinking
• Business Acumen
• Communication
• Influence
• Leadership
• Creativity and Innovation
• Delivering Results
• Adaptability
• Collaboration

Knowledge and Skills:

• ESG frameworks and standards (GRI, SASB, TCFD, UN SDGs)
• Corporate and sustainability strategy formulation
• ESG reporting, measurement, and disclosure
• Sustainable finance and inclusive growth models
• ESG risk integration and governance
• Stakeholder engagement and influence
• Change leadership and cross-functional collaboration
• Data analysis and ESG insights development

Education

• Postgraduate Degrees and Professional Qualifications: Environmental Science, Postgraduate Degrees and Professional Qualifications: Finance and Investment Management

End Date: July 22, 2025 

go to method of application »

Job Summary

• Formulate tactical strategy and associated delivery plans related to single practice areas.
• Ensure proactive integration and operational tactical enhancement.

Job Description

• People Management: Coach, mentor and manage team members toward driving business objectives and ensuring colleague development
• Compliance and Risk Management: Fulfil all activities in adherence to relevant control and compliance requirements, and quality standards
• Business Management: Manage the levels of performance and service standards that need to be achieved by translating the Business Unit’s strategy into achievable objectives and contracting these through the Performance Development process for the team.
• Collaboration : Constantly seek to improve ways of working by challenging the status quo and supporting an
• empowering climate within the team, sharing knowledge, experience, best practice and
• providing constructive feedback as required. | Customer Experience: To provide service excellence and achieve customer satisfaction 

Education

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

End Date: July 25, 2025 

go to method of application »

Job Summary

• Lead the formulation and execution of the Retail Banking Strategy, integrating Customer, Product and Channel strategies, together with sustainability and payments innovation, to deliver long-term value for the organisation.
• The role is responsible for setting the growth ambition and competitive market positioning, identifying and commercializing new revenue streams, navigating strategic trade-offs, and steering bold investment decisions.
• By shaping and prioritizing strategic initiatives and embedding robust planning disciplines, this role ensures the seamless execution of the cluster’s strategic agenda.
• It drives business performance through governance, rigorous reporting cycles, and continuous monitoring of execution effectiveness and strategic risk exposure.
• Ultimately, the role anchors the clusters strategic intent with a focus on delivering measurable outcomes and resilient growth.

Job Description

KEY FOCUS AREAS

• Lead development of an integrated Retail strategy across capabilities to ensure long-term competitiveness and sustainability.
• Shape strategic direction through structured analysis of markets, internal performance, and strategic trade-offs.
• Drive alignment of portfolio strategies including Sustainability, Payments, Product, Channel, and Customer strategies.
• Lead strategic planning processes, target setting, and enterprise performance management.
• Oversee execution of enterprise-wide strategic initiatives, ensuring interdependencies are managed effectively.
• Champion a disciplined performance management approach linked to strategy execution and capital allocation.
• Manage governance and reporting forums to drive strategic alignment, leadership accountability, and decision-making.
• Serve as a key advisor to Retail leadership on enterprise strategy, investment decisions, and performance insights.
• Enable transformation through high-impact programs aligned to the 'Bank of the Future' agenda.
• Identify new revenue streams and monetization pathways across products, platforms, and partnerships.
• Align functional and business unit strategies with the overarching Retail Bank agenda
• Interface with leadership and key stakeholders to ensure strategic visibility, adoption, and execution readiness

ACCOUNTABILITIES

Strategy Formulation and Execution

• Develop a cohesive Retail strategy framework, integrating insights from customers, products, markets, and external forces.
• Translate strategic ambition into actionable plans, prioritised initiatives, and measurable outcomes.
• Translate long-term strategic objectives into aligned business plans, execution roadmaps and key milestone measurements for the business area.
• Cascade strategic goals and ensure alignment between business unit vision and functional implementation priorities, setting clear short, medium and long-term milestones.
• Develop effective partnerships to enable business performance and contribute to sector-wide influence aligned with strategic initiatives.
• Respond to emerging policy and regulatory trends by adapting operational strategy and ensuring compliance alignment.
• Coordinate business enablement efforts for the Retail Bank, ensuring delivery capability across systems, processes, and teams.
• Track execution progress against key strategic initiatives and intervene to correct course where needed.
• Support transformation initiatives through structured programme delivery and change management practices.
• Provide expert advice and support in operating model, strategy, and value chain formulation and delivery alignment.
• Identify practices and technologies that provide competitive advantage and enable knowledge sharing and integration of practice areas.
• Undertake analysis of management and specialist information and guide reporting tool implementation to improve decision-making quality.
• Identify new commercial opportunities, including white spaces and underleveraged capabilities, to drive future revenue streams
• Ensure alignment with Group strategy and industry frameworks, such as the South African payments roadmap
• Develop enterprise-wide execution plans, ensuring initiatives are sequenced, resourced.

Customer Primacy

• Ensure customer-centricity is embedded in strategy development and delivery.
• Integrate customer data and insights into strategic priorities and capability investments.
• Integrate feedback loops into strategy design, ensuring iterative adjustment based on evolving customer voice and market sentiment.
• Prioritize strategic initiatives that deliver tangible customer value.
• Use customer metrics as success indicators, embedding customer metrics into strategic performance monitoring.
• Orchestrate cross-functional alignment to ensure business units execute transformation in ways that are responsive to customer needs and pain points.
• Champion industry partnerships that foster collaborative innovation and open banking capabilities expanding customer choice and personalization.
• Advocate for the customer agenda at executive and board forums, ensuring strategic trade-offs consider customer impact first.

Sustainable Growth

• Shape growth pathways that balance short-term performance and long-term resilience.
• Align growth strategies with the bank’s sustainability and transformation agendas.
• Support strategic investments and resource allocation to maximise economic and stakeholder value.
• Develop business area growth plans aligned to segment and enterprise priorities.
• Work with business partners to define and execute on growth strategies and operational initiatives.
• Mobilise functional teams to deliver growth targets and embed performance accountability.
• Monitor growth delivery, resolving barriers and reinforcing strategic objectives at operational levels.
• Evaluate financial and customer returns on initiatives to ensure alignment with business viability.
• Formulate and develop multi-function operating frameworks that contribute to sustainable growth.
• Facilitate transformation adoption across the organization to build capability and culture for sustained strategy delivery
• Lead ecosystem orchestration through councils, forums, and strategic platforms that amplify sustainable innovation

Customer-Driven Innovation and Change

• Identify future business model shifts and innovation opportunities through strategy and foresight work.
• Translate strategic intent into scalable change programs across the ecosystem.
• Promote adaptive strategy processes that respond to market disruption and transformation needs.
• Monitor competitive landscape and identify opportunities to improve products, services, or operations.
• Drive continuous improvement and innovation within the team to enhance customer outcomes.
• Influence and communicate across all levels of the business to minimise resistance to change and ensure onboarding of target audiences.
• Scan the external environment to investigate alternative delivery models and offer innovative advice for competitive advantage.
• Align change agenda to the strategic agenda, making customer impact a central criterion for investment, performance, and success evaluation

Leading Talent

• Lead a high-performing strategy and performance team with strong analytical, commercial, and change capabilities.
• Enable leadership engagement with strategy through coaching, storytelling, and co-creation.
• Build internal capability in strategic thinking, planning, and execution.
• Embed people processes and values into business routines, reinforcing a strong leadership culture.
• Develop workforce capabilities to meet business plan execution requirements and future readiness.
• Create inclusive team environments that support performance, wellbeing, and growth.
• Address escalated people issues and ensure application of performance and development processes.
• Develop future leaders through mentorship, stretch assignments, and tailored development experiences.
• Direct the development and implementation of human capability strategies to support people management priorities.

Operational Effectiveness

• Define and manage strategic planning cycles, performance reviews, and leadership governance forums.
• Ensure operationalisation of strategic priorities through clear execution plans and ownership.
• Drive consistency in tracking performance against strategy at all levels.
• Operationalise strategic goals into functional plans with clear deliverables, timelines and scorecards to enable effective tracking of performance.
• Set appropriate financial and other resourcing plans to enable business performance, tracking against budgets and investments for both current and long-term strategic goals.
• Leverage data insights to improve operational effectiveness and customer outcomes.
• Continuously improve processes for agility, quality, and alignment with customer needs and digital tools.
• Identify problems and formulate alternate solutions to resolve value chain conflicts.
• Provide expert advice on operating model, strategy, value chain formulation, and business controls/governance frameworks.

Good Governance, Risk and Compliance

• Lead the governance of strategy, planning, and performance forums.
• Ensure transparency, documentation, and traceability of strategic decisions and trade-offs.
• Align strategy and risk processes to enable proactive risk-aware planning.
• Monitor execution effectiveness and strategic risk exposures, implementing proactive controls and interventions
• Implement governance, risk, and compliance frameworks in business processes and team routines.
• Promote risk awareness and lead the response to regulatory changes and emerging issues.
• Influence the implementation of effective internal controls systems and corporate governance practices.

Data Monetisation

• Integrate data-driven insights into strategy formulation and performance management.
• Support the identification of data monetisation opportunities within strategic initiatives.
• Collaborate with data and analytics teams to enable forecasting, scenario planning, and real-time performance tracking.

Stakeholder Management

• Partner with executive leaders to align on strategic priorities, transformation, and performance outcomes.
• Manage cross-functional engagement to ensure coherence and buy-in to strategic plans.
• Lead interactions with Group strategy, finance, and risk teams to ensure vertical and horizontal alignment.
• Manage relationships with key stakeholders to support aligned delivery and issue resolution.
• Ensure stakeholder expectations are managed, and engagement is consistent with transformation priorities.

QUALIFICATIONS AND EXPERIENCE

Education/ Qualification:

• Post Graduate Degree: Honours Degree, Post Graduate Diploma and Professional Qualifications [NQF8]

Field of Study:

• Business Strategy, Management Consulting, Economics, Finance, Management, or related fields. MBA or postgraduate qualification preferred.

Work Experience:

• 10+ years’ experience in a specific capability of importance to the bank, including a track record of 5 years in a people management position in a large enterprise.
• Experience must include developing integrated customer-centric product or service solutions or corporate practice development while working with and managing stakeholders across business and/or functional areas and budget management.
• Exposure to digital transformation and data-driven decision-making is preferred.
• Demonstrated success in leading strategy formulation, planning, and enterprise performance management
• Experience in engaging executive stakeholders in setting strategic direction, driving transformation, and managing performance.

COMPETENCIES

Leadership Competencies:

• Strategic Thinking
• Business Acumen
• Communication
• Influence
• Leadership
• Creativity and Innovation
• Delivering Results
• Adaptability
• Collaboration

Knowledge and Skills:

• Corporate and competitive strategy formulation
• Strategic planning and execution
• Enterprise performance management
• Strategic initiative prioritisation
• Transformation program design
• Governance and decision-making frameworks
• Leadership reporting and insights
• Stakeholder alignment and facilitation

Education

• Postgraduate Degrees and Professional Qualifications: Business, Commerce and Management Studies

End Date: July 22, 2025 

go to method of application »

Job Summary

• Accountable for developing the Relationship Advice & Distribution business strategy that clearly defines the business strategic objectives across geographic and provincial levels.
• Accountable for providing leadership to the Business Unit at national level.
• fResponsible for client acquisition, retention, share of wallet optimisation, driving growth in market share, enterprise development.
• Responsible for developing and exploiting business opportunities to optimize business profitability and customer satisfaction for the Relationship Advice & Distribution business.

Job Description

Key Accountabilities:

Develop Relationship Advice & Distribution strategy

• Formulate Relationship Advice & Distribution strategy into specific performance objectives contracted with the national management teams in line with business strategy.
• Assume ownership (sponsorship) on behalf of Relationship Advice & Distribution for the execution and delivery of assigned strategic objectives.
• Develop Relationship Advice & Distribution strategy for Affluent, Private and Wealth customers and largely aligned to Personal and Private Banking (PPB) strategic imperatives,
• Develop sales strategies to ensure optimal productivity for Relationship Advice & Distribution Financial Advisers.
• Develop a long-term strategy to maintaining and expand high net worth clients within the bank by providing personalised advice financial advice and solutions to clients, as well as distributing investment products and services to meet client needs and objectives.
• In partnership with Private and Wealth Bank channel and product houses leadership, increase penetration of Advice & Investments through revitalized banker/advisor strategy.
• Collaborate with key leaders to increase private bank penetration and Advice in key customer journeys.
• Ensure productivity improvements to drive long term growth.
• Drive the execution of the Relationship Advice & Distribution Strategy in conjunction with the National Management Team (PGM, Regional Managers and product partners) develop objectives by contracting deliverables with the team, ensuring the top-down filtering of these objectives.
• Accountable for achieving consistent and profitable revenue growth with the implementation of the strategic objectives.
• Ensure that approval and buy-in is obtained for the overall approach prior to execution by means of presentations and personal interactions to ensure effective change management.
• Convert the strategic objectives into tactical provincial plans that allow PGM’s, Regional Managers and the Branch Networks to compile performance plans for all staff in order to contract the sales targets.
• Manage the implementation of the Relationship Advice & Distribution National plans in order to determine the return on investment (ROI) of the strategy and objectives by stringent analysis of the sales and business performance.
• Contribute to the development of the budget (Short-term Plan), 18-month forecast (MTP) and RAF (Revised Annual Forecast) by providing input on the business plan and conducting sensibility checks on the financials
• Facilitate the formulation and management of provincial operational plans via planning sessions with stakeholders including banking and product partners.
• Represent the province at the Advice & Investment Exco, Board and other forums to provide feedback on province performance and future strategies to increase sales drive.
• Monitor and address sales performance within the province by reviewing relevant MI and removing barriers to achieve targets.
• Review capacity and growth of deployed resources in order to identify where resources should be reallocated, developing a short-, medium- and long-term deployment plan for the province to ensure sustainability of the business.
• Ensure review of the provincial training offering for the upskilling of staff, including compliance, product and sales training.
• Serve as the Key Risk owner for Relationship Advice & Distribution.

Accountability: Stakeholder Management

• Represent Relationship Advice & Distribution on a national level by building relationships with other business unit leaders and actively contributing on National (banking) forums.
• Provide consistent communication of Advice & Investment messaging as appropriate to the national, staff and stakeholders.
• Position Advice & Investment National staff to develop solid working relationships with the corresponding banking and product counterparts.
• Establish and maintain relationships with external product and service suppliers at National level.
• Focus on improved cross-selling, product penetration and client retention in collaboration with key banking and non-banking product partners.
• In collaboration with other business units promote lead generation, sharing of ideas and best practices to improve collaborative engagement across the bank.
• Work collaboratively to drive improved customer experience, improved quality of products and high standards of performance within the province.
• Translate and execute on interlock targets proactively with the business units and manage through regular and consistent reporting.
• Drive the integration and optimization of RB Advice distribution within the broader banking operation.

Accountability: Business Management:

• Formulate and manage the operational plans to achieve the targets.
• Agree targets and take accountability for the overall achievement of performance objectives in the business area in terms of cost management, customer experience, governance, risk and compliance.
• Review performance against balanced scorecard components as contracted and agreed with the Managing Executive, discuss gaps and agree action plans to close gaps.
• Analyse business performance to identify current and future trends and execute suitable plans to address as appropriately including the effective management of underperformance.
• Benchmark productivity of the Relationahip Advice & Distribution Financial Advisers against industry standard and through measures to improve productivity.
• Manages profitability & delivery of new business in the business through managing others and through operational excellence.
• Responsible for building & growing the business nationally and ensuring that the business meets its budget.
• Agree and manage service offerings and SLAs with internal customers (agree annually and measure monthly).
• Identify opportunities and implement marketing and sales initiatives/campaigns to increase sales volumes of the province in achievement of overall objectives
• Agree targets with Bank representatives at provincial level per segment and channel during annual target negotiations
• Communicate the targets to all staff by presenting the information, engaging on set targets and evaluating the achievement of targets during performance management discussions
• Ensure alignment of Relationship Advice & Distribution strategic plans with the bank’s focus areas to maximize value.

Accountability: People Management

• Ensure the development of a high-performing team through embedding formal. Performance Development and formal/informal coaching and mentoring as appropriate.
• Instill a culture of rigorous and robust performance management and recognition within the team to drive continual improvement and efficiency.
• Identify and execute training and development needs for managers and ensure they do the same for their teams.
• Conduct regular succession planning and talent management sessions to ensure ongoing development and improvement of the team.
• Develop, maintain, and execute a recruitment pipeline to grow and develop the team, aligned to the group HR capability and processes and well as the approved provincial workforce plans.
• Serve as the second level escalation point for all grievances raised within the business unit.
• Develop appropriate action items to address employee survey outcomes as appropriate for the business unit and province.
• Ensure a positive employee experience and support the group’s ambitions to become the employer of choice.

Accountability: Operations management, Governance and Control

• Collaborate closely with the Operations function to ensure effective alignment and provision of:
• Business Continuity
• Sales and support process mapping and documentation
• Advice process support and governance
• Analyse effectiveness of processes and systems in use and decide on the improvements to be implemented.
• Ensure the provincial staff complete all compliance/regulatory training and attestations and sign off for the Relationship Advice & Distribution area
• Escalation of deviations of policies and procedures to applicable risk, product and process owners, ensure appropriate consequence management is conducted in response to any breaches.
• Ensure the effective management and execution of the processes in respect of on/off boarding, systems and physical access control.

Accountability: Customer Services

• Engage regularly with the customer experience capability to gain insights and understanding into service-related issues, trends, performance and resulting actions.
• Work with Strategy and Customer team to resolve all escalations of client queries and/or complaints within the agreed turnaround times.
• Facilitate collaboration between managers to share information on common gaps and quality issues in service delivery.
• Monitor volumes and nature of complaints/queries received to ensure that customer service standards are upheld at a high level. Work with managers to develop corrective actions for recurring issues and request in-depth investigations take place.
• Liaise closely with the product support teams to monitor turnaround times, support agreements, issue management and performance overview in accordance with agreed service level agreements and product interlocks.

Education:

• NQF Level6: B Degree
• B Com Degree
• B Com Accounting/Legal
• CFP (Preferred)
• CFA or Actuary or MBA (preferred)

Experience:

• 15 years’ working experience in the financial services industry
• 8 – 10 years’ experience in a Senior Management / Executive level in an Insurance business/service sales or advice channel environment
• 5 years’ experience in managing Insurance Sales business or advice channel at a senior management role

Competencies:

Business Acumen

• The ability to understand financial and economic concepts/drivers; to identify, create and/or exploit opportunities.
• Inculcates a culture of frugality in dealing with organisational resources.
• Formulates proactive business strategies to take advantage of business conditions and to gain advantage over competitors.
• Balancing competing and compelling business priorities towards achievement of organisational objectives.
• Displays extensive understanding of the market and industry, in order to identify profitable business opportunities.
• Instils a culture that is supports entrepreneurial initiatives.

Strategic Capability

• The ability to evaluate and redirect organisation strategy, value proposition, and business strategy aimed at conceptualising a desired future state that promotes the viability of the organisation. Conceptualises and develops a unique, viable business strategy and a desired future state for the organisation to meet future demands. Continuously evaluates the relevance and viability of the organisational strategy and adapts and devises new strategies.
• Uses understanding of long-term issues, problems or opportunities as a basis for developing long-term strategies, objectives, and goals that will reposition the organisation.

Digital Acumen

• The ability to execute the digital agenda of the Business Unit.
• Ability to utilise digital technologies and systems effectively to enhance own, team and business performance and culture.
• Provide insights on emerging trends in digital transformation in order to shape new and different business models to support the strategy.
• Determine how to deliver the ultimate customer engagement digital experiences by measuring the efficiency and effectiveness of digital channels.

Creative and Innovative Thinking

• Required to develop innovative ideas, strategies and plans.
• Demonstrates ingenuity and curiosity to do things better.
• Creates the culture and environment within which others can challenge established traditions, reinvent the industry/environment for our partners and clients; uses initiatives, generates new ideas, experiments and thinks outside the box, e.g. new distribution channels, market creation.
• Demonstrates ingenuity and curiosity to do things better.

Customer Focus

• Extensive understanding of best practices for a customer focused culture and the management of customer experiences.

Inspirational Leadership

• The ability to inspire, motivate and direct individuals to take ownership of-, and achieve desired outputs.
• Articulates and promotes an inspirational and compelling vision for the organisation aimed at promoting its strategic objectives.
• Ensures that the core capabilities of the organisation is developed and maintained through focused training & development initiatives.
• Displays the characteristics of a transformational leader and thought leader in industry.

Collaboration & Influencing

• Utilisation of appropriate interpersonal styles to build, develop, empower, inspire and utilise effective teams towards goal achievement. Initiates collaboration with other groups or organisations toward common goals. Collaborate with key stakeholders within the organisation and external environment to promote a philosophy of collaboration. Promotes a culture of collaboration on all levels of the organisation. Drives teamwork and success through effective leadership. Creates an environment where team members consistently push to improve team performance and productivity.

Stakeholder Management

• Able to apply extensive stakeholder management in the building of a network amongst different stakeholders within and without the organisation that will help support the achievement of business goals.
• Evaluates the value of stakeholder relationships and recommends different tactics.
• In-depth understanding of how to manage conflicting needs/expectation of stakeholders.

Reasoning (Analysis)

• The ability to analyse- and quickly grasp the implications of a situation, relating data from different sources, critically evaluating and integrating information/facts, and diagnosing a problem.
• Responsible for the establishment of analytical and systems thinking to ensure effective problem solving in the business. Identifies multiple relationships and disconnects in processes in order to identify options and reach conclusions.
• Adopts a systems perspective, assessing and balancing vast amounts of diverse information on the varied systems and subsystems that comprise and affect the working environment.
• Able to integrate elements of problems and display the ability to understand and making sense of the inter relationships between critical elements and or impacting factors across the organisation.
• Based on trends, defines main business drivers in order to impact on decision making.

Interpersonal Effectiveness

• The ability to establish and maintain positive interpersonal relationships characterized by sensitivity, support, respect and constructive resolution of differences and of conflict.
• Instils an organisational culture that values effective interpersonal relations. Build mutually beneficial relationships to promote the achievement of the organization

Education

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

End Date: July 25, 2025 

go to method of application »

Job Summary

• Accountable for developing the Relationship Advice & Distribution business strategy that clearly defines the business strategic objectives across geographic and provincial levels.
• Accountable for providing leadership to the Business Unit at national level.
• Responsible for client acquisition, retention, share of wallet optimisation, driving growth in market share, enterprise development.
• Responsible for developing and exploiting business opportunities to optimize business profitability and customer satisfaction for the Relationship Advice & Distribution business.

Job Description

Key Accountabilities:

Develop Relationship Advice & Distribution strategy

• Formulate Relationship Advice & Distribution strategy into specific performance objectives contracted with the national management teams in line with business strategy.
• Assume ownership (sponsorship) on behalf of Relationship Advice & Distribution for the execution and delivery of assigned strategic objectives.
• Develop Relationship Advice & Distribution strategy for Affluent, Private and Wealth customers and largely aligned to Personal and Private Banking (PPB) strategic imperatives,
• Develop sales strategies to ensure optimal productivity for Relationship Advice & Distribution Financial Advisers.
• Develop a long-term strategy to maintaining and expand high net worth clients within the bank by providing personalised advice financial advice and solutions to clients, as well as distributing investment products and services to meet client needs and objectives.
• In partnership with Private and Wealth Bank channel and product houses leadership, increase penetration of Advice & Investments through revitalized banker/advisor strategy.
• Collaborate with key leaders to increase private bank penetration and Advice in key customer journeys.
• Ensure productivity improvements to drive long term growth.
• Drive the execution of the Relationship Advice & Distribution Strategy in conjunction with the National Management Team (PGM, Regional Managers and product partners) develop objectives by contracting deliverables with the team, ensuring the top-down filtering of these objectives.
• Accountable for achieving consistent and profitable revenue growth with the implementation of the strategic objectives.
• Ensure that approval and buy-in is obtained for the overall approach prior to execution by means of presentations and personal interactions to ensure effective change management.
• Convert the strategic objectives into tactical provincial plans that allow PGM’s, Regional Managers and the Branch Networks to compile performance plans for all staff in order to contract the sales targets.
• Manage the implementation of the Relationship Advice & Distribution National plans in order to determine the return on investment (ROI) of the strategy and objectives by stringent analysis of the sales and business performance.
• Contribute to the development of the budget (Short-term Plan), 18-month forecast (MTP) and RAF (Revised Annual Forecast) by providing input on the business plan and conducting sensibility checks on the financials
• Facilitate the formulation and management of provincial operational plans via planning sessions with stakeholders including banking and product partners.
• Represent the province at the Advice & Investment Exco, Board and other forums to provide feedback on province performance and future strategies to increase sales drive.
• Monitor and address sales performance within the province by reviewing relevant MI and removing barriers to achieve targets.
• Review capacity and growth of deployed resources in order to identify where resources should be reallocated, developing a short-, medium- and long-term deployment plan for the province to ensure sustainability of the business.
• Ensure review of the provincial training offering for the upskilling of staff, including compliance, product and sales training.
• Serve as the Key Risk owner for Relationship Advice & Distribution.

Accountability: Stakeholder Management

• Represent Relationship Advice & Distribution on a national level by building relationships with other business unit leaders and actively contributing on National (banking) forums.
• Provide consistent communication of Advice & Investment messaging as appropriate to the national, staff and stakeholders.
• Position Advice & Investment National staff to develop solid working relationships with the corresponding banking and product counterparts.
• Establish and maintain relationships with external product and service suppliers at National level.
• Focus on improved cross-selling, product penetration and client retention in collaboration with key banking and non-banking product partners. In collaboration with other business units promote lead generation, sharing of ideas and best practices to improve collaborative engagement across the bank.
• Work collaboratively to drive improved customer experience, improved quality of products and high standards of performance within the province.
• Translate and execute on interlock targets proactively with the business units and manage through regular and consistent reporting.
• Drive the integration and optimization of RB Advice distribution within the broader banking operation.

Accountability: Business Management:

• Formulate and manage the operational plans to achieve the targets.
• Agree targets and take accountability for the overall achievement of performance objectives in the business area in terms of cost management, customer experience, governance, risk and compliance.
• Review performance against balanced scorecard components as contracted and agreed with the Managing Executive, discuss gaps and agree action plans to close gaps.
• Analyse business performance to identify current and future trends and execute suitable plans to address as appropriately including the effective management of underperformance.
• Benchmark productivity of the Relationahip Advice & Distribution Financial Advisers against industry standard and through measures to improve productivity.
• Manages profitability & delivery of new business in the business through managing others and through operational excellence.
• Responsible for building & growing the business nationally and ensuring that the business meets its budget.
• Agree and manage service offerings and SLAs with internal customers (agree annually and measure monthly).
• Identify opportunities and implement marketing and sales initiatives/campaigns to increase sales volumes of the province in achievement of overall objectives
• Agree targets with Bank representatives at provincial level per segment and channel during annual target negotiations
• Communicate the targets to all staff by presenting the information, engaging on set targets and evaluating the achievement of targets during performance management discussions
• Ensure alignment of Relationship Advice & Distribution strategic plans with the bank’s focus areas to maximize value.

Accountability: People Management

• Ensure the development of a high-performing team through embedding formal. Performance Development and formal/informal coaching and mentoring as appropriate.
• Instill a culture of rigorous and robust performance management and recognition within the team to drive continual improvement and efficiency.
• Identify and execute training and development needs for managers and ensure they do the same for their teams.
• Conduct regular succession planning and talent management sessions to ensure ongoing development and improvement of the team.
• Develop, maintain, and execute a recruitment pipeline to grow and develop the team, aligned to the group HR capability and processes and well as the approved provincial workforce plans.
• Serve as the second level escalation point for all grievances raised within the business unit.
• Develop appropriate action items to address employee survey outcomes as appropriate for the business unit and province.
• Ensure a positive employee experience and support the group’s ambitions to become the employer of choice.

Accountability: Operations management, Governance and Control

• Collaborate closely with the Operations function to ensure effective alignment and provision of:
• Business Continuity
• Sales and support process mapping and documentation
• Advice process support and governance
• Analyse effectiveness of processes and systems in use and decide on the improvements to be implemented.
• Ensure the provincial staff complete all compliance/regulatory training and attestations and sign off for the Relationship Advice & Distribution area
• Escalation of deviations of policies and procedures to applicable risk, product and process owners, ensure appropriate consequence management is conducted in response to any breaches.
• Ensure the effective management and execution of the processes in respect of on/off boarding, systems and physical access control.

Accountability: Customer Services

• Engage regularly with the customer experience capability to gain insights and understanding into service-related issues, trends, performance and resulting actions.
• Work with Strategy and Customer team to resolve all escalations of client queries and/or complaints within the agreed turnaround times.
• Facilitate collaboration between managers to share information on common gaps and quality issues in service delivery.
• Monitor volumes and nature of complaints/queries received to ensure that customer service standards are upheld at a high level. Work with managers to develop corrective actions for recurring issues and request in-depth investigations take place.
• Liaise closely with the product support teams to monitor turnaround times, support agreements, issue management and performance overview in accordance with agreed service level agreements and product interlocks.

Education:

• NQF Level6: B Degree
• B Com Degree
• B Com Accounting/Legal
• CFP (Preferred)
• CFA or Actuary or MBA (preferred)

Experience:

• 15 years’ working experience in the financial services industry
•  8 – 10 years’ experience in a Senior Management / Executive level in an Insurance business/service sales or advice channel environment
•  5 years’ experience in managing Insurance Sales business or advice channel at a senior management role

Competencies:

• Business Acumen
• The ability to understand financial and economic concepts/drivers; to identify, create and/or exploit opportunities.
• Inculcates a culture of frugality in dealing with organisational resources.
• Formulates proactive business strategies to take advantage of business conditions and to gain advantage over competitors.
• Balancing competing and compelling business priorities towards achievement of organisational objectives.
• Displays extensive understanding of the market and industry, in order to identify profitable business opportunities. Instils a culture that is supports entrepreneurial initiatives.

Strategic Capability

• The ability to evaluate and redirect organisation strategy, value proposition, and business strategy aimed at conceptualising a desired future state that promotes the viability of the organisation.
• Conceptualises and develops a unique, viable business strategy and a desired future state for the organisation to meet future demands.
• Continuously evaluates the relevance and viability of the organisational strategy and adapts and devises new strategies.

Uses understanding of long-term issues, problems or opportunities as a basis for developing long-term strategies, objectives, and goals that will reposition the organisation.

Digital Acumen

• The ability to execute the digital agenda of the Business Unit. Ability to utilise digital technologies and systems effectively to enhance own, team and business performance and culture. Provide insights on emerging trends in digital transformation in order to shape new and different business models to support the strategy.
• Determine how to deliver the ultimate customer engagement digital experiences by measuring the efficiency and effectiveness of digital channels.

Creative and Innovative Thinking

• Required to develop innovative ideas, strategies and plans. Demonstrates ingenuity and curiosity to do things better.
• Creates the culture and environment within which others can challenge established traditions, reinvent the industry/environment for our partners and clients; uses initiatives, generates new ideas, experiments and thinks outside the box, e.g. new distribution channels, market creation.
• Demonstrates ingenuity and curiosity to do things better.

Customer Focus

• Extensive understanding of best practices for a customer focused culture and the management of customer experiences.

Inspirational Leadership

• The ability to inspire, motivate and direct individuals to take ownership of-, and achieve desired outputs.
• Articulates and promotes an inspirational and compelling vision for the organisation aimed at promoting its strategic objectives.
• Ensures that the core capabilities of the organisation is developed and maintained through focused training & development initiatives.
• Displays the characteristics of a transformational leader and thought leader in industry.

Collaboration & Influencing

• Utilisation of appropriate interpersonal styles to build, develop, empower, inspire and utilise effective teams towards goal achievement. Initiates collaboration with other groups or organisations toward common goals. Collaborate with key stakeholders within the organisation and external environment to promote a philosophy of collaboration. Promotes a culture of collaboration on all levels of the organisation. Drives teamwork and success through effective leadership. Creates an environment where team members consistently push to improve team performance and productivity.

Stakeholder Management

• Able to apply extensive stakeholder management in the building of a network amongst different stakeholders within and without the organisation that will help support the achievement of business goals.
• Evaluates the value of stakeholder relationships and recommends different tactics.
• In-depth understanding of how to manage conflicting needs/expectation of stakeholders.

Reasoning (Analysis)

• The ability to analyse- and quickly grasp the implications of a situation, relating data from different sources, critically evaluating and integrating information/facts, and diagnosing a problem.
• Responsible for the establishment of analytical and systems thinking to ensure effective problem solving in the business.
• Identifies multiple relationships and disconnects in processes in order to identify options and reach conclusions.
• Adopts a systems perspective, assessing and balancing vast amounts of diverse information on the varied systems and subsystems that comprise and affect the working environment.
• Able to integrate elements of problems and display the ability to understand and making sense of the inter relationships between critical elements and or impacting factors across the organisation.
• Based on trends, defines main business drivers in order to impact on decision making.

Interpersonal Effectiveness

• The ability to establish and maintain positive interpersonal relationships characterized by sensitivity, support, respect and constructive resolution of differences and of conflict. Instils an organisational culture that values effective interpersonal relations. Build mutually beneficial relationships to promote the achievement of the organization

Education

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

End Date: July 31, 2025 

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Job Summary

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

Job Description

Risk Management

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

Credit Management

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

Portfolio Financial and Operational Management

• Compile reviews, amendments, and new applications to the appropriate lending authorities.
• Issue facility letters to clients after reviews have been compiled and new facilities granted.
• Draft and issue letters of reminder when facilities expire according to policy requirements, for example 30-, 60- and 90-day letters.
• Contribute to the Non‐Interest Income by ensuring recovery of manual fees (e.g., Reviews, valuations) to avoid revenue leakages.
• Spread client's financials on the various Credit Risk Grading models i.e., Agri Model, Public Sector Model, RiskCalc Model and Triad.
• Provide the Default Grading (DG) output from the Credit Risk models.
• Capture all information on the various risk grading models 100% accurately by checking that all the models balance.

Client Solutioning and Customer Service

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

Teamwork and Self Development

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

Competencies:

• Planning and organising
• Working with people
• Writing and reporting
• Financial analysis
• Applying expertise and technology
• Entrepreneurial and commercial thinking
• Persuading and influencing

Minimum Qualifications/Requirements

• Bachelor`s Degrees and Advanced Diplomas - Business, Commerce and Management Studies, Credit Risk with five years or more of relevant work experience.
• Strong computer skills and experience with Microsoft Office, especially Excel.

Education

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

End Date: July 24, 2025