Vacancies Available at Absa Group Limited (Absa)

Job Description

We are building the next generation of customer-centric, experience-led credit — and are looking for a senior executive to lead this transformation across retail banking.

Credit Proposition & Commercialisation

• Design and optimise end-to-end credit journeys across application, allocation, servicing and maintenance
• Define business rules and decisioning strategies to maximise customer value and profitability
• Translate customer insights and personas into relevant, personalised credit recommendations and offers
• Drive the transition from product-led to customer-led credit strategies

Customer Experience (CX) & Journey Design

• Own and drive customer experience (CX) outcomes across the credit lifecycle
• Design intuitive, frictionless and digitally-led credit journeys that improve conversion, utilisation and satisfaction
• Identify and eliminate customer pain points and drop-offs across onboarding, decisioning and collections
• Embed UX best practices and human-centred design principles into credit products and processes
• Partner with digital, CX and design teams to ensure consistent, seamless omni-channel experiences

Next-Generation Capability Development

• Incubate and embed advanced credit capabilities (data science, behavioural insights, ECM, rewards)
• Leverage data to optimise engagement, utilisation and collections strategies
• Identify customer-level triggers to drive timely, contextualised credit interventions
• Enhance both customer experience and operational efficiency through smarter decisioning

Experience

• 8–10 years’ leadership experience within banking, lending or financial services
• Strong background in credit strategy, lending, or portfolio optimisation
• Proven experience driving customer experience (CX) or digital transformation initiatives
• Experience working across risk, product, analytics and customer experience teams

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Job Description

Accountability:

• Risk Management Understand and apply the relevant risk and governance procedures to activities undertaken and ensure that the relevant risk management processes, control environment requirements and risk management frameworks that impact the area are documented and understood and also captured on Operational Risk Management System (ORMS) (as applicable).

Analyse implemented Enterprise Risk and Operational Risk Management Framework effectiveness

• Conduct on-going review of the performance of the Operational and Resilience Risk Management Framework. This requires providing check and challenge to ensure that all risks have been considered and appropriately addressed within the specific business area being supported.
• Support the Operational and Resilience Risk Managers with on-going analysis, review and oversight of Risk and Control Self-Assessments (RCA), Risk Event Management, Key Indicators (KI), Key Risk Scenarios, Root Cause Analysis (RCA) and Lessons Learnt (LL) but not just limited to the above elements- Information captured on ORMS, CPA, MCA, RCA and LL, Issues, Actions , dispensations (DWB) etc. and Risk event reconciliation.
• Perform on-going data quality checks and validations on all components of the Operational and Resilience Risk Management Framework, extracting data from ORMS, including performing independent validation checks on the data captured on ORMS.
• Display professional behaviour whilst ensuring the appropriate check and challenge with the respective Business area the Operational and Resilience Risk Managers supports, raising and discussing contentious observations with the Operational and Resilience Risk Managers and providing evidence to support all issues identified.
• Oversee and perform (where appropriate) deep dive- and lessons learnt exercises for significant and material risks, including the review, challenge and tracking / escalation of findings.
• Operational and Resilience Risk Policy and Standard conformance testing.
• Monitor and track the effectiveness of the control environment (MCA, CPA, RSA, Risk profile etc.) and to take action to further mitigate operational and resilience risk where required within the mandate of the supported Business Units risk profile.
• Support Operational and Resilience Risk Managers with review of Business Requirement Documents (BRDs), and Product Risk Governance. 
• Use the Operational and Resilience Risk framework to facilitate the identification of all possible risk and ensure corrective controls (which are aligned to this framework) are implemented by the relevant business area risk managers to mitigate these risks.

Accountability: Support the Operational and Resilience Risk Manager: Policy & Framework

• In providing support on automation of the Enterprise Risk Management Framework (ERMF) and Operational and Resilience Risk Management Framework (ORRMF) in the approved operational risk management system (ORMS) as well as in resolving issues.
• In driving the implementation and use of the ERMF & ORRMF in the business areas.
• Report on results analysis to the Operational and Resilience Risk Managers.
• Support development of operational and resilience risk techniques for the business area supported by the respective Operational and Resilience Risk Managers.

Accountability: Data management

• Prepare monthly data extracts per framework component to support the Operational and Resilience Risk Managers (to be obtained from the approved operational risk management system [ORMS]).
• Apply appropriate data quality checks on this data and prepare reports on an exception basis on data quality issues.
• Ensure timely capturing of risk management issues, risks events on the ORMS by the relevant 1LOD business partner(s).
• Review, check and challenge of data captured on ORMS (RCSA, CPA, MCA, Risk events, Risk event reconciliation, RCA and LL, Issues, Action, dispensations (DWB) etc.).
• Support the Operational and Resilience Risk Managers with periodic reporting requirements (monthly, quarterly and annual).

Relationship Management

• Develop and maintain relationships with key 1LoD business risk partners, 2LoD Business and Group partners and stakeholders, and external business partners.
• Engage closely with stakeholders, identify the Business Units requirements, and encourage open discussion and interaction with business on the risks associated in their environment.

Technical Skills

• Deep understanding of operational and resilience risk principles
• Strong analytical and logical reasoning abilities
• Ability to interrogate and interpret risk data
• Proficient in risk systems (e.g., ORMS)

Qualifications & Experience

• Bachelor’s degree in commerce, Finance, Audit, Risk Management, or related field (NQF Level 7 required).
• Minimum 7 years’ experience in a financial institution.
• 4–5 years’ experience in Risk Management or Internal Audit.
• Demonstrated experience in Operational & Resilience Risk (required).
• Experience in Unsecured Lending, including but not limited to Credit Card, Personal Loans, and Collections.  (advantageous).

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Job Description

Accountability: Operational and Resilience Risk Framework & Policy Oversight

• Provide effective second line of defence oversight by guiding and supporting the business in the implementation and embedment of the Operational Risk Framework. Ensure that the risk profile and control environment, including inherent and residual risks, are effectively managed through rigorous facilitation of the Risk and Control Self-Assessment (RCSA) process.
• Provide relevant guidance and training to business on the implementation and maintenance of Operational Risk framework components, including RCSAs, Key Risk Indicators (KRIs), risk events, Strategic Risk Assessments, Key Risk Scenarios, and capital drivers.
• Assess the level of business compliance with applicable risk frameworks and policies, and remain up to date with Operational Risk frameworks, policies, standards, procedures, and relevant legislation/regulations.

Planning

• Participate in an advisory capacity in the scoping and definition of Operational Risk deliverables and plans, ensuring alignment with the central Operational Risk calendar.
• Assess, challenge, and monitor current and forward-looking Operational Risk exposures (financial and non-financial), considering framework elements, strategic initiatives, business growth, and change programmes (including NPA).
• Support the business in risk identification and assessment.
• Identify and assess the relevance and performance of KRIs and thresholds.
• Conduct rigorous analysis and oversight of the RCSA process.
• Review and challenge the end-to-end risk profile and control environment, including emerging risks and strategic changes.
• Collaborate with the first line of defence on issue documentation, tracking, escalation, and remediation.
• Provide oversight on deep dives, root cause analysis, and lessons learned for material risks.
• Review remediation plans for adequacy, completeness, and progress.
• Oversee monthly loss event reconciliations to ensure all reportable risk events are captured in the Operational Risk Management System (ORMS).
• Liaise with Group Operational Risk teams to ensure alignment with policies and standards.

Monitoring of Control Environment

• Perform annual reviews of RCSAs and Critical Process Assessments (CPAs), or as required due to material changes.
• Review risks and controls defined by Key Risk Owners.
• Assess the effectiveness and relevance of KRIs and thresholds.
• Monitor KRIs and evaluate their impact on the risk profile and control environment.

Governance

• Actively participate in Operational Risk governance forums.
• Monitor and challenge the business risk profile against approved risk appetite.
• Review and challenge first line of defence on control design and implementation.
• Facilitate effective management of findings and observations raised by assurance providers.
• Ensure business unit capabilities are met in consultation with relevant stakeholders (e.g. SRTOs).
• Drive the remediation of issues, including overdue actions and ineffective controls.
• Promote strong risk ownership within business units.

Operational Risk Management Systems (ORMS) Reporting

• Provide oversight to ensure accurate and complete capture of Operational Risk data in ORMS (including MCA, RCSA, CPA, issues, risk events, indicators, root cause analysis, lessons learned, risk acceptances, and SNOW issues).
• Perform data quality checks and facilitate resolution of data issues.
• Validate and challenge data reported by the first line of defence.
• Compile reports as required, providing independent insights, interpretation, and analysis.
• Prepare current and forward-looking Operational Risk profile reports for the relevant business unit or function.

Business Support

• Maintain a strong understanding of the business, including its operations, risks, and strategic objectives.
• Engage with business stakeholders and leverage central resources to deliver effective Operational Risk oversight across functions.

Education

Postgraduate qualification in one of the following disciplines:

• Risk Management
• Finance / Accounting
• Economics
• Business Management
• Internal Audit
• Law

Education

• Bachelor Honours Degree: Auditing, Bachelor Honours Degree: Law

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Job Description

• Manage the distribution of fixed income flow products to institutional clients, ensuring effective coverage and execution.
• Build, maintain, and deepen relationships with key institutional clients, including asset managers, pension funds, banks, hedge funds, and insurers.
• Collaborate with internal teams in Trading, Coverage, Structuring, and Research to deliver comprehensive market insights and product expertise.
• Conduct research and market analysis to identify emerging trends, risks, and opportunities within fixed income, and prepare and present well-researched trade ideas and recommendations, showcasing the firm’s products and services to clients.

Education

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

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Job Description

• To provide independent, objective compliance assurance reviews, working individually or as part of a team, to assess the adequacy and effectiveness of compliance risk management, internal controls, and governance processes. The role is responsible for identifying control weaknesses/gaps, evaluating regulatory compliance, and delivering actionable insights and recommendations that strengthen the organisation’s compliance environment and promote continuous improvement.
• Execute risk-based, scheduled compliance monitoring and thematic reviews across various lines of business.
• Plan, scope, and execute on-the-ground compliance testing activities based on an approved annual compliance monitoring plan. Design specific testing procedures, sample data, and evaluate operational controls to ensure regulatory and policy requirements are met. Identify policy gaps, control weaknesses, and inconsistencies within processes.
• Document testing results, root causes, and identified deficiencies in factual, high-quality compliance reports for senior management.
• Collaborate with business stakeholders to agree on practical, corrective action plans for any identified issues.
• Track and follow up on the status of previously issued action items to ensure appropriate implementation.
• Assess the adequacy and effectiveness of the implementation of Management Action Plans (Issue Validations).
• Conduct automated and manual ongoing monitoring.
• Contribute to the continuous improvement of compliance methodologies and tools.
• Keep abreast of South African and global regulatory developments.

Preferred Education and Experience:

• Bachelor’s degree in accounting, Auditing, Law, Finance, or related field.
• Professional certification: CIA, CISA, CA(SA) or equivalent (preferred or in progress).
• NQF Level: 7- 8
• Audit/Assurance: 4+ years

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Job Description

Sales Strategy Development:

• Develop and implement a comprehensive sales strategy for the corporate forex segment within the designated region.
• Identify growth opportunities and market trends to drive revenue generation.

Team Leadership and Management:

• Recruit, train, and develop a high-performing team of forex sales professionals.
• Set clear performance targets and provide ongoing coaching and feedback to team members.
• Foster a collaborative and motivated team environment.

Client Relationship Management:

• Build and maintain strong relationships with key corporate clients.
• Understand client needs and provide tailored forex solutions to meet their requirements.
• Resolve escalated client issues and ensure client satisfaction.

Revenue Generation:

• Drive the achievement of sales targets and revenue goals within the region.
• Monitor sales pipelines, track progress, and implement strategies to close deals.
• Collaborate with other departments to cross-sell forex products and services.

Market Analysis and Risk Management:

• Stay updated on forex market trends, economic developments, and regulatory changes.
• Assess and manage risks associated with forex transactions and currency fluctuations.

Compliance and Regulations:

• Ensure that all forex sales activities comply with relevant regulatory requirements and internal policies.
• Maintain a thorough understanding of forex compliance regulations.

Reporting and Analytics:

• Prepare regular reports and analysis on sales performance, market conditions, and competitive intelligence.
• Use data-driven insights to make informed decisions and adjust strategies as needed.

Budget Management:

• Manage the budget for the regional corporate forex sales team effectively.
• Allocate resources to achieve the desired outcomes within budget constraint

Education

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

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Job Description

Regulatory Interpretation & Translation into Data:

• Interpret FATCA, CRS and IT3 legislation, SARS Business Requirement Specifications (BRS) and technical guidance.

Translate regulatory requirements into practical data logic, including:

• Mandatory vs optional fields
• Inclusion and exclusion criteria
• Reason codes, indicators and classifications
• Record‑level vs file‑level validation rules
• Act as the final technical authority on how regulatory requirements are reflected in data models and submissions.

End‑to‑End Regulatory Data Lineage Oversight:

• Maintain conceptual ownership of end‑to‑end data lineage from source systems through to regulatory submission.

Provide authoritative guidance on:

• Correct data keys and identifiers
• Record uniqueness rules
• Product‑level alignment (e.g. Cheques, Savings, Deposits)
• Monthly vs cumulative data treatment
• Ensure alignment and reconciliation across FATCA, CRS and IT3 reporting streams.

Regulatory File Construction, Review & Validation:

• Review and validate regulatory submission files prior to sign‑off and submission.

Apply deep understanding of SARS technical requirements, including:

• File structures and sequencing
• Delimiter and formatting rules
• Validation logic and rejection behaviors
• Perform or support manual file reconstruction or correction where automation fails or is incomplete.

Data Quality Management & Regulatory Defensibility:

• Define and apply data quality rules impacting regulatory reporting.
• Gatekeep inclusion vs exclusion decisions, ensuring:
• Clear rationale for exclusions
• Audit‑ready evidence and sign‑off
• Support SARS audits, regulatory reviews and information requests through defensible explanations and historical analysis.

Remediation & Historical Data Reconstruction:

• Support remediation initiatives arising from regulatory findings, audits or control weaknesses.
• Reconstruct and analyze historical data populations across multiple tax years.
• Assess whether remediated client data triggers re‑submission obligations.

Process Ownership, Knowledge Management & Capability Building:

• Develop and maintain operational procedures for regulatory data handling.
• Document exception handling, remediation workflows and manual controls.
• Act as a knowledge custodian within Tax Operations, reducing key‑person dependency over time.
• Provide training and guidance to Business Units and Tax Ops colleagues where required.

Education & Experience Required:

• B‑Degree in Commerce, Accounting, Tax, Finance, Information Systems or related field
• Post‑graduate qualification in Commerce, Accounting, Tax or Data / Business Analysis advantageous
• Understanding of and certification in SQL, Postgres and other applicable
• Extensive experience in regulatory tax reporting (FATCA, CRS, IT3) within Financial Services
• Proven experience working with large, complex regulatory data sets
• Strong exposure to regulatory audits, remediation and governance forums
• Experience interfacing with Technology and Data teams in a regulated environment

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Key Responsibilities

Data & Financial Analysis

• Build and continuously enhance the Transactional Banking Change data and financial analysis capability
• Develop and embed data quality standards and best practices to ensure integrity of insights
• Design and maintain financial models, dashboards, and reporting tools to assess project and portfolio performance
• Conduct cost-benefit analysis, ROI calculations, and financial forecasting to support strategic decision-making
• Analyse financial and operational data to uncover trends, risks, and optimisation opportunities

Reporting & Insights Delivery

• Produce integrated project and financial performance reports with clear, actionable insights
• Translate complex data into compelling narratives for senior stakeholders
• Deliver regular analytics and visual reports (Power BI/Tableau) across key KPIs and financial metrics

Transactional Banking Change Support

• Maintain and update project governance artefacts (risk registers, action logs, milestone trackers, documentation)
• Participate in project and portfolio forums, capturing decisions, risks, actions, and financial impacts
• Support the continuous improvement of project management frameworks and templates

Data Quality Assurance

• Champion data integrity and governance through validation, reconciliation, and audit processes
• Collaborate across teams to identify and resolve data inconsistencies, improving data pipelines and reliability

Preferred Experience

• 2–5 years’ experience in data analytics, data science, or financial analysis
• Strong foundation in financial principles (forecasting, budgeting, ROI analysis)
• Proven ability to translate data insights into business decisions

Advanced proficiency in:

• Excel (financial modelling)
• SQL, Python, or R
• Power BI or Tableau

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Job Description

• Define, maintain and drive the embedment of the Group Data Governance (DG) framework (decision rights, ownership model, federated operating model, enterprise data policies and standards).
• Integrate the relevant policies and standards into the Absa policy universe and report on both central and federated compliance to all aspects of the framework.
• Define requirements for ownership, stewardship, custodianship and accountability across business areas and data domains, oversee implementation through the work of central and federated DG teams, implement the data issue management process and track governance maturity, adherence and progress.
• Define and implement the enterprise standards for data governance and data retention and align these standards with the regulatory requirements to manage personal information appropriately. Define legal hold, exceptions, and defensible disposal standards and practices for these standards.
• Define governance requirements for metadata, lineage, data quality, reference data, master data, as well as issue management. Monitor the implementation of the required controls via independent challenge and assurance, and report on agreed KPIs for the Data Management and Governance (DMG) function within the CDAIO.
• Act as the entry point for all internal and external risk, audit and regulatory compliance requests, providing compliance evidence on behalf of the CDAIO or the Group for aspects under central data governance management.
• Translate regulatory requirements into actionable data governance controls and ensure consistent implementation across the enterprise, with traceability and monitoring from policy through to control execution.
• Accountable for coordinating risks and audit investigations and ensuring control design and testing as part of remediation and providing audit-ready evidence to internal and external stakeholders in response to any findings or recommendations.
• Manage and report on enterprise-level data risk mitigation actions assigned to the CDAIO.
• Oversee the end-to-end data issue management lifecycle and drive the issue remediation process, facilitating the alignment between impacted stakeholders and escalation to the Group Data Council as needed.

Minimum Qualifications

• Bachelor’s degree in information systems/computer science/data, or Risk/Compliance/Law/Finance (required)
• Postgraduate degree (MBA/MSc Data/Risk/Governance) (preferred)
• Preferred Certifications
• DAMA CDMP (Data Management and Governance)
• General risk and data certifications

Experience

• 10 years in data governance, risk, compliance, and information management
• 5 years of large enterprise and banking experience
• Engagement with regulators, Group Risk, Internal Audit, and executive governance forums
• Deep understanding of privacy and data retention regulatory requirements in financial services
• Experienced at translating regulatory and risk requirements into operational controls and mitigation processes.

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Job Description

Income Growth and Financial Targets:

• Ensure a deep understanding of the client’s working capital cycle and business needs to provide appropriate conventional and Islamic financing solutions. Drive achievement of targets as per the individual scorecard.

Customer Focus:

• Proactively drive acquisition and cross-sell initiatives through re-engagement processes, including Islamic banking offerings where relevant. Ensure service and complaint resolution are within acceptable service level agreements.

Compliance and Risk Management:

• Fulfil all activities in adherence to relevant control and compliance requirements, quality standards, and Islamic banking governance and Shariah compliance frameworks, where applicable.

Collaboration:

• Constantly seek to improve ways of working by challenging the status quo and supporting an empowering climate within the team. Share knowledge, experience, and best practices, including Islamic banking principles and solutions, and provide constructive feedback as required.

Education

• Higher 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 in Caledon area.
• 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

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