Recruitment Openings at Absa Group Limited (Absa)

Key accountabilities/Deliverables/Outcomes

SUPERVISION OF LEAD GENERATORS     - TIME SPLIT  40%

• Act as enabler to the Lead Generators under supervision by providing them with the tools and information to optimize sales
• Through delegation to the Lead Generators, achieve set annual sales targets.  Monitor the performance of the Lead Generators on a daily, weekly, quarterly and annual basis and provide coaching and feedback on how to improve performance
• Agree individual targets with the team members for products, assets, liabilities and campaigns.
• Manage daily attendance levels within the team in compliance with the relevant HR policies, including the management and approval of leave within the team.
• On a daily basis, monitor the movement of the Lead Generators to ensure that planned meetings or activities are being carried out in the field
• Motivate staff and ensure they are recognized through the Absa Bank PLC recognition schemes
• Identify training needs of the team and arrange for these needs to be met through on-the-job coaching and formal training
• Communicate a summary of the training needs to the Regional Sales Managers at least annually.  
• Ensure that the planned learning interventions take place particularly for compulsory training
• Sit for Lead Generator interviews based on shortlist provided by Regional Sales Managers, HR and Resource Coordinator. 
• Induct new Lead Generators and ensure that they participate in formal induction as well as the compulsory compliance training courses
• Sit for disciplinary hearings for misconduct or incapacity charges together with HR
• Ensure that Lead Generators understand the compensation plans in place

SUPERVISION OF SALES ACTIVITIES    - TIME SPLIT 30 %

• Supervise product promotion campaign aspects by distributing material to Lead Generators.  Cascade key messages, including training for products to staff members, including training on new application forms
• Monitor sales performance on a daily, weekly and monthly basis and provide results to the Regional Sales Managers

BUSINESS EXPANSION    - TIME SPLIT 10 %

• Work with Regional Sales Managers to unlock sales in companies through sales activations and financial trainings
• Work with the sales teams and Regional Sales Managers to bring leads on new company sign ups

OPERATIONAL RIGOUR, COMPLIANCE AND CONTROLS    - TIME SPLIT 10 %

• Ensure that all activities and duties are carried out in full compliance with regulatory requirements, Enterprise-Wide Risk Management Framework and internal Absa Policies and Policy Standards.
• Understand and manage risks and risk events (incidents) relevant to the role.”
• Ensure accuracy of each new account application, loan document, Barclaycard application and all other customer documents.
• Lead Generators are held personally accountable for accuracy and quality of these and supporting documents that they complete and submit.
• Achieve operational rigour excellence in all aspects of procedures and processes personally undertaken to ensure green audit.
• Comply with general Absa operational risk & rigour requirements e.g. Health & Safety standards and security of premises, KYC and anti-money laundering regulations.
• Effective leave management of LGs in the team to manage branch costs
• Effective management of reporting of LGs and prompt notification of any unexplained absences
• Effective exit management
• Effective management of performance records and use of LG Management tools to monitor performance and sales activities

CONTRIBUTE TO THE DEVELOPMENT OF THE TEAM      - TIME SPLIT 5%

• Share knowledge and experience with other Sales Managers in the team.
• Provider cover for other Sales Managers in case of excessive workload or absence.
• Share knowledge and experience and best practice with team members, Lead Generators and the broader business
• Deputize for the Regional Sales Manager when required.

PERSONAL DEVELOPMENT    - TIME SPLIT 5%

• Agree annual performance objectives with the Regional Sales Manager, including specific sales targets.
•  Pursue continued improvement in personal development by participating in development programs and training.

Education

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

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Job Description

Accountability: People Management:

• Lead, manage and direct the regional payments sales team in line with Absa values
• Coach, mentor and manage team members toward driving business objectives and ensuring colleague development

Accountability: Revenue on Cash and merchant growth through sales enablement

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

Accountability: Sales performance and execution

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

Accountability: Relationship Management

• Reposition the Payment Acceptance regional stakeholder management in order to improve key relationships and change the acquisition methodology with internal business partners.
• Establish stakeholder needs and expectations in order to develop effective stakeholder engagement plans.
• Ensure effective and efficient relationship management model is in place for top Payment Solution Clients in order to retention.
• Update the direct manager as well as regional business partners on the sales performance and provide input where required.
• Internal and external customer meeting attendance where required.
• Engage with the RBB business partners with the aim of promoting the value proposition of Payment Acceptance.

Accountability: Customer Experience Execution

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

Accountability: Risk and Compliance Management

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

Accountability: Risk and Compliance Management

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

Education and Experience Required

• NQF level no. 7
• 5 - 8 years’ experience in a similar environment, of which 2 - 3 years at management level.
• (5) years’ experience within a client facing role (commercial/or financial industry)
• (5) years proven track record in achievement of sales targets
• (5) years relationship management experience in a financial services industry - preferred

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Job Description

Debt Structure & Credit approval – 40%

• Provides specialist technical advice in existing and new clients’ debt structure.
• Complete comprehensive financial analysis and insights
• Prepare credit application with motivation.

Stakeholder Management – 30%

• Take lead of client transactions which will include internal and external engagement and influence.

Back book mining –30%

• Pro-active back book mining to provide existing clients with pro-active debt advice.
• Where applicable obtain credit approval

Competencies 

Customer Focus

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

Collaboration and Influencing

• Ability to build an extensive collaborative network amongst different stakeholders within and externally of the organization (at the most senior levels) that supports the achievement of business goals

Business Acumen

• The ability to understand financial and economic concepts/drivers; to identify, create and/or

exploit opportunities.

Financial Analysis

• Strong technical knowledge and ability to provide real business insights.

Problem Solving 

• 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

Education

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

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Job Description

• Project Management Office Activities: Monitors the progression of a project at every stage and ensure that the objectives of a project are met. Performing project-related administrative tasks such as maintaining information files, completing project documentation, and processing paperwork, ensuring information on the project management tool is accurate at all times. Lead and manage the project management office. Develop and maintain project management methodologies and tools that align with the company’s way of work. Ensure that project management processes and tools are continuously improved and optimized. Develop, manage, and monitor project budgets and resource allocations. Ensure the Change Portfolio financials are well managed. Facilitate and conduct regular update sessions with project participants to obtain feedback on project progress and areas of improvement. Communicate project progress (risk, milestones achieved, upcoming milestones, and status) to project participants and/or client. updating PlanEx. 
• Managing a team: work closely with the Lead Delivery Manager and Project Managers to ensure that all projects are delivered on time, within budget, and to the highest quality standards. Provide leadership and guidance to Project Managers and Project Teams.
• 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. Manage project risks and issues, -by developing mitigation strategies. Reviewing and monitoring the CRAIDS log with PM's, compilation, and management of ARCC and all other risk reporting.
• Meeting deadlines: Complete tasks timeously, ensuring reporting at all stages ;Exco, Change Council, Steerco etc. reporting is on time and of high quality. Ensure that timelines are met: Manage team in such a way that deadlines are met 
• Stakeholder management: Ensure that stakeholders are identified and engaged proactively. Establish and maintain strong relationships with internal and external stakeholders.

Qualification:

• Bachelor’s degree or Advanced/Post Grad Diploma in Project Manageme. Project Management Professional or a CAPM will be advantageous.
• Experience: 7-10 years’ experience in Project Management environment working as PMP, inherent knowledge in Group Change Risk policies and standards

Education

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

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Job Description

DevOps

• Apply 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
• Contribute to and in some cases lead all phases of the development lifecycle including e.g. design process
• Determine operational feasibility of solutions by evaluating analysis, problem definition, business requirements, solution development and proposed solutions
• Develop high quality software / application design and architecture in a test driven & domain driven / cross domain environment
• Quickly produce well-organised, optimized, and documented source code to deliver technical solutions
• Ensure designs & solutions support the technical organisation principles of self-service, repeatability, testability, scalability & resilience
• Apply general design patterns and paradigms to deliver technical solutions
• Create & Maintain Sophisticated CI / CD Pipelines (authoring & supporting CI/CD pipelines in Jenkins / Azure Devops or similar tools and deploy to multi-site environments – supporting and managing your applications all the way to production)
• Use & configure modern observability techniques to provide a deeper understanding of the application. To do this, leverage e.g. aggregated logging via ELK stack, metrics via Prometheus / Grafana / NewRelic and distributed tracing like Zipkin/Jaeger etc.
• Automate tasks through appropriate tools and scripting e.g. Docker, Ansible, Kubernetes
• Debug existing source code and polish feature sets.
• Work with guilds and other technical SME’s to improve and evolve technical products and services
• Apply unit testing frameworks and perform integration, validation and verification testing (apply knowledge of stubbing tools e.g. wiremock, hoverfly etc.)
• Apply version control and related concepts and techniques
• Align all application development & development process to Group Architecture, Security & Infrastructure guidelines
• Work with project & program teams (when required) to plan & manage the development lifecycle e.g. releases, risk management, testing, integration etc.
• Conduct reviews, performance monitoring & ongoing optimization and maintenance on applications
• Stay ahead of the curve on emerging technologies and development practices e.g. scripting languages, containerization etc.
• Contribute to the design & evolution of Group Architecture, Infrastructure & associated technical standards for the organization
• People
• Coach & mentor other engineers
• Conduct peer reviews, testing, problem solving within and across the broader team
• Provide technical subject matter expertise and support in the attraction and recruitment of Product Engineers for the organization
• Participate as a subject matter expert in the development & development planning of the broader product engineering team
• Support the people change teams in the design of adoption processes (Customer, Employee & 3rd Party Adoption)

Risk & Governance

• Identify technical risks and mitigate these (pre, during & post deployment)
• Update / Design all application documentation aligned to the organization technical standards and risk / governance frameworks
• Create business cases & solution specifications for various governance processes (e.g. CTO approvals)
• Participate in incident management & DR activity – applying critical thinking, problem solving & technical expertise to get to the bottom of major incidents
• Deliver on time & on budget (always)

Education

• Bachelor's Degree: Information Technology

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Job Description

• People Management: Coach, mentor and manage team members toward driving business objectives and ensuring colleague development 
• Stakeholder Management: Actively engage internal and external stakeholders to ensure customer satisfaction 
• Business Performance: Ensure own and team performance against business, efficiency and continuous improvement targets, as well as customer outcomes 
• Compliance and Risk Management: Ensure that all team activities are in adherence to relevant control and compliance requirements, and quality standards 
• Administration: Effectively fulfil all required administrative duties, including tracking and reporting

Education

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

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Key Accountabilities

Accountability: Selling products and services.

• Provide sales and services enablement according with service delivery excellence plans by putting customer experience at the centre of products, services, solutions, advice and fulfillment.
• Achieves predetermined sales targets through generating quality applications.
• Contact the customer and executes the sales process within the desired turnaround time.
• Delivers customer sales and services whilst maintaining quality service standards.
• Determine customers’ needs by exploring all possible cross-selling and up-selling opportunities
• Ensure first call resolution.
• Tracking of conversions from lead or call to application and then to fulfilment.

Accountability: Reduction of customer attrition.

• Speaks to customers to ensure that their needs are identified and advises various options.
• Adheres to shared company values and service standards with regard to customer interaction.
• Resolves customer dissatisfaction / complaints and takes full ownership of the problem.
• Communicates with the customer according to company standards.
• Address the customer’s need with product knowledge that is technically accurate.
• Preparation for the outbound call, providing alternative products solutions were applicable.

Accountability: Information management.

• Update the system with accurate information to inform accurate reporting

Accountability: Adherence to risk and governance

• Strictly adhere to all risk and governance policies, standards and procedures and escalate associated risks.
• Participate in survey (EOS) and in findings action plans.
• Support BSSA CSI initiatives.
• Adherence to NCA, FICA and FAIS legislation.
• Comply with Risk and Control Activities and adherences.
• Comply with all Human Resources policies and procedures
• Understand and accept responsibility for all system access granted in line with all Fraud Risk Management Policies.

Accountability: Training and development

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

Education

• Higher Certificates and Advanced National (Vocational) Certificates: Business, Commerce and Management Studies (Required)

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Job Description

Relationship Management:

• Establish and maintain professional relationships through networking with clients, Bell and Bell sub-dealers management team and salesman, JCB Finance Marketing Manager, JCB SA as well as business partners that are key in the development of new ventures , managing relationships with Key Sales Individuals throughout the JCB Network.

Delivery Business Development:

• Champion and manage all bulk acquisition strategic plans in line with Absa Business unit strategy in aiding the take up of JCB Financing Solutions.

Market Intelligence:

• Collect market intelligence through research by reading articles, publications, internet, word of mouth and networking on a daily basis to keep abreast of market developments with an expert knowledge and focus on the construction industry..

People Management:

• Coach, mentor and manage team members, including bankers, Business Analysts and Sales Support Consultants towards driving business objectives and ensuring colleague development.

Operations & Compliance:

• Actively keep up to date with all relevant knowledge, legislation and developments within the business unit and banking industry that may have an impact on the Business Advantage.

Education

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

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Job Description

• Sales Target : Proactively make self-initiated contact with customers in order to deliver against the required sales targets 
• 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. 
• Compliance and Risk Management: Fulfil all activities in adherence to relevant control and compliance requirements, and quality standards 
• Customer Experience: To provide service excellence and achieve customer satisfaction 

Education

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

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Job Description

• Short Term Insurance Experience ONLY. Min 150 Fais Credits, RE Certification, Fais Fit & Proper Qualification Completed.
• Deliver day-to-day knowledge work, in order to execute predefined objectives as per agreed standard operating procedures (SOPs).
• Customer Satisfaction Call Resolution Quality Assurance of service and calls Compliance. 

Education

• Further Education and Training Certificate (FETC)

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Key Accountabilities:

• Execute all transactional activities for their portfolio of clients relating to payments,
• Daily operations and related activities to ensure proper account maintenance on existing banking product CIF records
• Client queries on existing banking product CIF records (BTP, ESP, Salesforce)
• Onboarding of clients and capturing of the related client information on ESP
• Obtain and update all client documentation related to transactional banking e.g. Fica
• Perform ongoing KYC refresh for medium and low risk client and ensure the appropriate refresh occurs during trigger events
• Complete the necessary submissions and related documentations for PEP/HRR reviews as well and client exists
• Prepare non advice client documentation for client signature
• Prepare advice client documentation for client signature for products BSE’s authorized to sell
• Ongoing monitoring and managing of limit loading exceptions for their client portfolio
• Arrears management of their client portfolio including the daily updating of ARM’s
• Managing the legacy book of irregular collateral for their client portfolio
• Specific day to day involvement in core business processes
• Execute on boarding and migration in
• Execute CRAG post approval process
• Assist in execution of funds transfer when outboard payments are required and CASA
• documentation.

Involvement in credit related tasks:

• Complete specified credit activities in line with role based mandate
• Post credit approval activities.
• Complete annual credit reviews within the thresholds listed above, where derivatives are not involved and the products are not CPF or terms loans
• Work with credit analyst/ specialist to resolve any complicated financial analysis matter.
• For annual credit reviews above the thresholds listed above or where derivatives are involved or the products are CPF or term loans then initiate credit review, request security status reports from docman 120 days prior to review date, populate the credit
• Review template with existing facility and security information for credit analyst, interact with docman, and execute post credit approval activities.

Stakeholder Management:

• Build strong relationships with both global and local internal and external stakeholders.
• Effectively communicate developments within areas of activity to all relevant stakeholders.
• Ensure impeccable and timeous service levels
• Liaise with various Business Units to achieve business objectives in Structured Lending, AUA, Advisory and Investment Banking fees.
• Ensure that all teams within the pod work closely together to deliver a high level of client service.

Query Resolution:

• First point of escalation for BSE issues and queries
• Undertake query resolution related to client portfolio

Qualification and experience:

• Bachelor’s Degree in commerce (NQF7)
• 3 years investment and wealth management experience within a Wealth management business
• FAIS

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Your Responsibilities

• Fully own the product development lifecycle, from initiation, financial growth feasibility, product analysis, lifecycle management, design, implementation, risk management, value proposition and commercialization.
• Support discovery efforts leveraging technical documentation and requirements, data, research, etc., understanding customers, the payments industry and consumers needs in order to find the most suitable solutions
• Responsible for the planning, prioritization, technical specification and release management processes together with your Engineering counterparts to enable us to launch new functionalities rapidly
• Identify project goals, write user stories, and maintain clear documentation
• Partner and communicate regularly with cross functional teams to ensure alignment on feature development, prioritisation and timelines; including building roadmaps, addressing backlogs and overseeing error resolution
• Monitor and evaluate product usage to ensure product adoption
• Define, report and optimise product goals and KPIs Contribute to and improve our product practices with your knowledge and learnings
• Subject Matter Expert to both internal and external stakeholders
• Create and maintain product strategy and roadmaps for product portfolio across all industries and sectors and ensure clear communication on product roadmap. - Own product end-to-end
• Engage regularly with senior leadership and key internal and external stakeholders on product strategy and roadmap to ensure ongoing support
• Define framework for product portfolio through collaboration across the business, including the adoption of business processes supporting the product.
• Report monthly to executive stakeholders on product growth, issues (plan to solve and progress), and roadmap.
• Maintain Comprehensive knowledge around scheme/regulatory compliance, product infrastructure and payment processes; offerings from manufacturers/suppliers, network operator relating to product portfolio.
• Maintain expansive knowledge around innovation locally and globally and present new ideas to the team and executive on new offerings to capture the market, incl. BC prep and forum presentations when necessary.
• Ensure product remain profitable and contribute to the P&L, including necessary adjustments in line with regulatory and scheme mandates.
• Work closely with internal and external stakeholders such as sales, technology, and development as well as with merchants and customers to understand the needs.
• Log product enhancements required by the stakeholders and check viability of those request.
• Coordinate the departments within the framework of the introduction of new products, functions and services as well as the maintenance of existing ones.
• Contracting and collaborating with the Change Management and IT teams around the sequence/priority in which to build and develop the product and provide feedback to business stakeholders timeously.
• Creation and management of Product content artifacts, support masterclasses training.
• Supplier management relating to service, incidents and enhancements.
• Technical troubleshooting to solve user issues and document findings relating to product portfolio in collaboration with suppliers, technology teams and operational teams; tracking reoccurring issues and implement long-term solution.
• Oversee end to end delivery of technical solutions for clients. Includes changes, tactical and strategic solutions.
• Support testing and deployment of technical solutions through different stages - Own UAT testing
• Drive Procurement processes as Product Owner for new initiatives
• Contract Initiation and Management of vendor contracts in collaboration with main stakeholders and Legal representatives.

Your Profile

• Bachelor’s degree in suitably qualified, with minimum 5 years working as product manager for a fast-paced acquiring bank, with project management experience.
• Minimum 5 years acquiring experience with technical knowledge of payment processing across various channels in the payments industry and comprehensive knowledge in international/local scheme and regulator rules.
• You implemented multiple payment acceptance, value-added services and new technology in the payment acceptance space.
• Strong commercial acumen.
• Ownership mentality and entrepreneurial approach to building products and identifying unique and revenue generating partnerships.
• History of leading an implementation team, solving meaningful customer and business problems, and delivering scalable solutions
• Solid analytical and BlueSky thinking - you can understand technical documentation, evaluate sets of data, identify opportunities in grey spaces, and draw insights to incorporate in your products or within the broader product portfolio.
• Outstanding communicator, able to convey your product narrative to internal and external stakeholders.
• Passion for product building and product management
• Ability to work remotely and face-to-face with colleagues and suppliers.
• Interact and present at executive level.
• Fluent in English and must be a team player.

Education

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

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Key accountabilities 

• Perform basic actuarial production processes under general supervision to support sound management of business performance and financial risk. 

Processes may include:

1. Analytics and financial reporting to ensure accurate financial reporting and support management decision making: 

• Preparation and analysis of data as inputs to actuarial calculations such as reserving
• Production of management information
• Production of experience analyses as an input for basis setting / pricing exercises
• Production of actuarial exercises such as reserving, capital, and pricing

2. Product development and management to enable business performance and drive customer value, including:

• Production of competitor and technical product analysis as an input to product design
• Formulation of product specifications and implementing product enhancements

3. Running models to ensure accurate financial reporting and support management decision making at an advanced level:

• For inputs to processes such as reserving, capital, pricing or business case modelling
• Development of and maintenance of spreadsheet models

4. Management of stakeholders to enable alignment and efficient delivery of business objectives through coordinating activities, planning deliverables, and tracking and reporting progress

Education

• Bachelor's Degree: Actuarial Science

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Key accountabilities

• Perform advanced actuarial production processes under general supervision to support sound management of business performance and financial risk.

Processes may include:

1. Analytics and financial reporting to ensure accurate financial reporting and support management decision making:

• Preparation and analysis of data as inputs to actuarial calculations such as reserving
• Production of management information
• Production of experience analyses as an input for basis setting / pricing exercises
• Production of actuarial exercises such as reserving, capital, and pricing

2. Product development and management to enable business performance and drive customer value, including:

• Production of competitor research and understanding of the landscape and technical product analysis as inputs to product design
• Creating basic product design, formulation of product specifications and implementing product enhancements

3. Running models to ensure accurate financial reporting and support management decision making at an advanced level:

• For inputs to processes such as reserving, capital, pricing or business case modelling
• Development of and maintenance of advanced spreadsheet models
• Development of and maintenance of actuarial open platform software models

4. Management of stakeholders to enable alignment and efficient delivery of business objectives through coordinating activities, planning deliverables and tracking and reporting progress

Education

• Bachelor's Degree: Actuarial Science

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Job Description

• Risk and Control: Perform quarterly risk and control assessments, front to back for allocated business 
• Treasury Execution: Execute a wide array of product: Interest Rate Swaps, Bonds, Repos and FRNS 
• Stakeholder Management: Maintain professional relationship with stakeholders 
• Development of Technical and Product Knowledge: Proactively increase technical skills through active research 
• Projects: Execute allocated projects 
• Team management: Manage a team

Education

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

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Job Description

Accountability:  Impairments Reporting (30%)

• Analyse and measure monthly impairment numbers.
• Understand drivers of the impairment charge.
• Understanding of the accounting processes and financial reporting (including disclosure reporting) in terms of IFRS 9 and other regulatory standards.
• Ensure monthly reports (with commentary) are completed in accordance with the agreed deadlines.
• Ability to use data analytics skills such SAS programming to optimise SAS processes, controls and ability to develop analytics and MI with SAS.
• Qliview developer skills to automate manual reporting and analytics (advantageous not required).
• Support ARO Wholesale Credit Risk, ARO Wholesale Credit Finance and Business stakeholders by communicating final impairment numbers on a monthly basis and answers/resolve impairment related queries.
• Assist in Planning, co-ordinate and prioritise projects/initiatives within the environment and ensure regular feedback to stakeholders as well as status of projects are communicated.
• Ensure compliance to prescribed policy by liaising with policy team.
• Explain methodologies to internal and external Audit and different Business Units.

Accountability: Relationship & Stakeholder Management (30%)

• Liaise and engage with various internal Stakeholders (e.g., Credit Exco, REST OF AFRICA WHOLESALE CREDIT Finance, TAG & Wholesale Credit Management) to secure their respective support in the implementation of impairment strategies and also ensuring capacity exists to implement.
• Secure support from Modelling Team, MI, CRAG, Business & Finance teams to deliver accurate and robust MI and Impairments (analysis and figures).
• Review and report strategy performance and trends to the PRC committees and Wholesale

Accountability: Methodology and Projects (20%)

• If requested, act as a liaison between credit and the modelling team in relation to methodology questions/ understanding requirements that may from time to time arise (particularly in relation to the UI, IFRS 9 and stress testing models).
• If requested, participate/ drive (as may be appropriate) Credit related projects. Manage Ad- hoc queries from Credit, Finance and Business.

Accountability: Governance & Compliance (10%)

• Test and audit the model output, MI and processes and provide reports to governance committees to ensure that ARO WHOLESALE CREDIT activities and policies are compliant with the ABSA policies.
• Ensure that there is compliance with all internal policies and procedures in the team and provide coaching and feedback on how to improve compliance through the continuous review of ARO WHOLESALE CREDIT activities/strategies.

Accountability: Stress testing (ad hoc and annual business as usual), as well as providing assistance in relation to specialised analytics to the extent requested by stakeholders (10%)

• Liaise with the Stress Testing modelling team in an advisory capacity to ensure appropriate use of data and models to arrive at output that is suitable for intended purposes and is in line with expert judgement.
• As part of the budgeting process, assist with the compilation of base impairment forecasts, as well as stress tested figures, present such figures to sign off authorities and address any queries that may arise during the process.
• Assist with ad hoc stress testing exercises as these may be requested through the year.

Education and Experience Required

• Bachelor’s degree or Advanced Diploma required in Finance/Accounting/Risk/Statistics/Data Science
• Professional qualification in either trading (CFA), risk (FRM) or project management (PMP, Prince2) is advantageous.
• A minimum of 2+ years of experience in credit risk, trading, or investment banking
• 2+ years experience in data analysis, utilising a standard statistical package such as SAS working with large data sets.
• Qlikview developer knowledge will be beneficial to create reports and analytics.

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Job Description

• Consult and collaborate with a variety of internal stakeholders to better understand the business requirements, processes, product needs and alternative solutions.
• Identifying and tracking potential issues and risks that could lead to financial and non-financial impact.
• Implementing and embedding risk management strategies that help reduce risk exposure and losses.
• Providing reports to management regarding the status of risk exposures to help them make informed decisions about risk mitigation strategies.
• Conducting regular assessments of the effectiveness of Critical Processes and Non-Critical Processes to ensure they are meeting the required standards.
• Reviewing the applicable policies to identify any gaps that exist within the business.
• Coordinating with multiple cross functional stakeholders to drive governance across the business and enable a Satisfactory Control Environment
• Preparing reports documenting risk exposure and recommending solutions for reducing risk exposure
• Implement pro-active reviewing of processes to identify any risks or potential issues.
• Coordinating efforts across business and Assurance providers to ensure the best possible assurance outcomes.
• Implementation, embedment and maintenance of legislative and regulatory requirements, policies, and standards. Ensuring that your area of responsibility is fully compliant with all requirements including monitoring of Compliance training.
• Impart your expert knowledge on business colleagues to help them stay on top of the evolving risk environment.
• Collaborate with your peers to collectively think of innovative ideas that drive risk identification across the business.
• Perform other duties as required.

Education

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

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Job Description

• Solutioning & Advisory: Provide ongoing support to senior advisors in driving business development and subsequently business targets through monitoring and identifying opportunities within the portfolio (cross selling and up-selling).
• Client Engagement: On a regular basis engage with clients around current product requirements and future product requirements to ensure client expectations are met and ultimately value created for business and client.
• Risk and Control: Ensure that all risk and control requirements relating to the portfolio are met and/or implemented as required.

Education

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

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Job Description

• Drive Financial Targets: Maintain primary ownership of a portfolio of Growth Account clients, differentiated by the level of complexity of the client base 
• Relationship and Service Management: Actively develop strong client relationships. Conduct regular client visits in accordance with the Commercial Growth Account Value Proposition and initiate changes to ABB Product by providing input into product development to better service our clients 
• Manage Risk Assessment: Adhere to the bank's policies and procedures and ensure compliance. Take ultimate ownership of the portfolio's risk management by ensuring a good understanding of both the Bank's and the clients regulatory and compliance environments. 
• 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.

Education

• National Diplomas and Advanced Certificates: Business, Commerce and Management Studies

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Job Description

Daily management of facilities 

• Attend to the Financial Administration of syndicated loans in accordance with the provisions of the relevant facilities agreements and finance documents with appropriate attention to detail. This would entail, inter alia:
• interpreting Facilities Agreements and other finance documents for purposes of generating cash flows models based on that documentation;
• generating cashflows models in ACBS for purposes of communicating to Lenders amounts due by or to them from Borrowers;
• attending to issue of interest reset letters on interest reset dates, as well as commitment fee letters and other correspondence communicating amounts payable by, or to, Borrowers;
• addressing queries from Lenders relating to cashflows (and where applicable, cashflows models) with a view to agreeing a common position among Lenders in relation to payments due by or to them before communicating this to Borrowers;
• responding to queries from, and challenges by, Borrowers in relation to cashflows due by or to them and/or payments previously made by or to them;
• liaising with IBD Loan Operations and PCG for purposes of effecting cashflows payments to, and allocate cashflows payments received by, Borrowers and Lenders, including those relating to loan draw downs, repayments, and prepayments, as well as interest payments, fees (arrangement and commitment fees) and expenses recoverable in terms of Facilities Agreements and other finance documents;
• Attending to ad hoc request from Lenders and Borrower in relation to Financial Administration;
• Support the Agency team generally with the general management of syndicated facilities, including (but not limited to) assisting with:
• monitoring Borrower compliance with relevant documentation;
• liaison with internal and external parties;
• facilitating waivers, consents, amendments and supplements to documentation, as well as with assignments of commitments and participations in loans;
• arranging and/or chairing meetings between the Lenders, Lawyers and/or Borrowers on transactions;
• coordinating Lender inputs required for decision making;
• assisting with pitches for new Agency roles; and 
• reviewing draft documentation to ensure that the role of the Facility Agent is in line with the LMA standard.

Education and Experience Required

• B Comm/Hons
• 3-5 years Investment Banking experience
• Transaction Management Experience/Agency
• Working experience of commercial loan documentation
• Ability to prioritise and work calmly using own initiative, frequently to tight deadlines, with a varied/heavy workload
• Ability to establish effective working relationship with Borrower/Lenders
• Excellent communication skills both written and oral