Job Openings at Standard Bank Group

Job description

Job Details

Retail & Business Banking

Job Purpose

To provide a basic, branch-based Business Banking sales and service function to a portfolio of Small Enterprise (SE) customers requiring uncomplicated and standardised financial product solutions.

Key Responsibilities/Accountabilities

• Drive Transaction Led-Customer Acquisition
• Promotes and sells a range of appropriate Standard Bank of South Africa (SBSA) product offerings and solutions that meet the financial needs of small business customers.
• Acquires and opens new business accounts and cross sells at account origination according to customer needs.
• Cross-sells additional products and services to existing customers.
• Identifies and refers sales leads to Business stakeholders e.g. Vehicle and Asset Finance; Electronic Banking (Business Online); SBFC; SBIB; Card; Home Loans; etc.
• Actions lead lists provided from direct marketing.
• Ensures that all leads are logged correctly in the presence of the customer and ensures cross selling opportunities are identified.
• Identifies and actions opportunities for cross- and up-sell.
• Identifies migration opportunities and sells products/services reactively.
• Customer Experience
• Provides a simple and convenient offering to a portfolio of small enterprise customers.
• Proactively contacts Top 20 percent of customer in line with SE value proposition.
• Interacts with customers and conducts needs analyses to assist customers to better understand their financial requirements.
• Accurately and efficiently processes customer mandates/ documentation requirements for banking facilities.
• Educates customers regarding the parameters and routine procedures governing standard SE product and self-service channel offerings to ensure the correct customer behaviour and product usage.
• Ensures that all new service requests (queries and complaints) are logged correctly, as either a “first contact resolution” or “non-first contact resolution” as appropriate.
• Ensures that service requests in personal work list are actioned within agreed timelines.
• Ensures accurate capture, updates or amendments of customer information and history notes.
• Economic Profit
• Responsible for the achievement of financial budgets through optimal growth of balances, margin management and revenue streams.
• Achieves financial budgets in line with Local market dynamics.
• Effectively manages pricing concessions and revenue collection.
• Portfolio Management
• Contacts customers in order to arrange appointments or discuss any sales opportunities.
• Arranges face to face appointments as per customer request.
• Maintains and updates customer information on the necessary systems.
• Lending Support and Risk Management
• Explains credit loan facility options and qualifying criteria to customers.
• Supports customers in the completion of credit application information requirements e.g. personal balance sheets, cash flow statements, financial statements and management accounts.
• Processes scored credit applications within the confidential limit of authority and Behavioural Risk Indicator (BRI) scores.
• Notifies customers regarding the approval or decline of credit loan facilities.
• Captures applications for all lending products.
• Actions credit violation reports daily as per laid down procedures.
• Ensures that the Know Your Customer (KYC) reports and Enhanced Due Diligence (EDD) reports are actioned timeously.
• Ensures that all Business Banking reports are actions as per laid down procedures.
• Legislative compliance
• Supports the implementation of the Financial Intelligence Centre Act (FICA) to ensure adherence to record keeping requirements
• Supports the SE Business Banking to ensure compliance to all applicable legislative requirements such as National Credit Act, Companies Act, Consumer Protection Act, etc.
• Ensures the adherence to all internal risk related policies and guidelines.

Preferred Qualification And Experience

• Matric
• Studying towards a Relevant business related tertiary qualification e.g. B.Comm degree is a pre-requisite
• Must complete one of the Qualifications listed on the FSB recognised list within the allocated time.
• 2 to 3 years Business Assistant experience to the Business Manager is ideal.
• Previous experience within the Personal/Consumer banking environment as a Customer Consultant/Personal Banker and/or Enquiries Officer is preferable.
• Must have relevant intermediary experience in respect of the FAIS product subcategories applicable to this role.

Knowledge/Technical Skills/Expertise

• Good numerical skills, business acumen and financial acumen to interpret financial statements, balance sheets and basic financial ratios.
• A thorough knowledge of standardised business banking transactional products and other core products relevant to small enterprises.
• Good knowledge of Personal Banking product offerings.
• A basic knowledge/awareness of financial investment options, home loans (business mortgage), cards, merchant services, vehicle and asset finance and electronic banking options for lead generation purposes.
• A good working knowledge and understanding of behavioural credit scoring principles and practices, including an understanding of collateral and balance sheets.
• A working knowledge of multiple legal entities (companies, close corporations, sole proprietorships etc.) in the Small Enterprises market and the legislative restrictions & requirements governing these from a financial services perspective.
• A basic knowledge and understanding of the Companies and Intellectual Properties Registration Act (CIPC) for correct documentation/ mandate preparation purposes.
• Knowledge of competitor offerings.
• Knowledge of the Financial Advisory and Intermediary Services Act (FAIS), the Financial Intelligence Centre Act (FICA) and the National Credit Act (NCA).
• A working knowledge of Managing Local Market (MLM) sales principles and practices to manage and optimise portfolio retention and growth.
• Understanding and support of the bank’s multi-channel environment.

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Job description

Job Details

Group Risk Management: understanding all risks – from the economic to the political – that could affect our global business, and offering guidance to all parts of the bank

Job Purpose

Supports the Senior Manager, Credit Risk Home Loans Origination and Risk Appetite with the optimisation of the Home Loans Origination credit risk decisions by ensuring that all strategies and policies informing the decisions are executed within agreed risk appetite parameters, in a cost effective manner.

Key Responsibilities/Accountabilities

• Home Loans Credit Risk origination strategy and framework deployment
• Develops an execution plan for the Home Loans business unit to deliver on the overall Credit Risk management strategy.
• Provides input into the Home Loans business unit strategy to ensure alignment with the desired Credit risk profile.
• Drives effective execution of the credit risk strategy and framework in line with the risk appetite statements, the Group Credit Risk Governance Standard, PBB Global Credit Policy, and the National Credit Act.
• Contributes to the development of a data driven decision making culture and creating awareness of the importance of credit risk management.
• Shares the credit risk framework and methods proactively through participation in employee orientation sessions, training, and creating awareness in executive engagement sessions (e.g. Home Loans Risk Appetite Forum and Home Loans Credit Manco).
• Translates strategy into practical implementation.
• Participates and provides input into relevant planned changes in the Home Loans portfolio - strategy changes, product changes, segment changes, system changes and process changes. Provides a proactive view of the potential impact on the credit risk profile of the portfolio and propose relevant risk mitigating strategies/processes.
• Effective Credit Risk monitoring
• Guides the detailed analysis of changes in trends in order to determine the root cause and formulates the relevant plan of action where required to ensure that the portfolio remains within risk appetite parameters. Examples of trends include: Risk distribution of customers applying for Home Loans, Accept rates, Take up rates, LTV distribution, Loan Term distribution, Channel distribution, Employment type, Property type.
• Compiles presentations / reports in preparation for stakeholder feedback sessions (for example Manco’s, Exco’s and Credit Risk Management Committee).
• Continuously reviews the Home Loans Credit origination strategies to respond to environmental and/or risk changes timeously.
• Reviews all the monthly reports and issues arising (such as operational issues, quality of decisions made in the credit evaluations team) and determines the most appropriate course of action.
• Influences and monitors progress of action plans arising from credit risk monitoring, product or sales initiatives and audits, in order to improve the credit risk environment.
• Uses external data to benchmark against trends observed in the portfolio, for example market share, Loan To Value distribution, loan term.
• Optimise the risk profile of Home Loans Originations
• Considers potential risk scenarios and performs stress testing to serve as input into risk appetite decisions of the Home Loan portfolio.
• Provides credit risk inputs into the development and monitoring of the Home Loans Returns on Equity model.
• Conducts in depth analysis of all aspects of the Home Loans origination strategy by taking risk and reward into account and, where required, formulate proposals to mitigate risk or improve on the profitability of the portfolio.
• Performs trend analysis on all the relevant sub populations, identifies emerging risks and formulates appropriate actions.
• Ensures that maximum value is extracted from existing decision systems/processes.
• Ensures that the Home Loans originations scorecard is performing in line with expectations.
• Considers affordability requirements and improvements in the Home Loans origination strategy and conducts performance reviews through economic cycles.
• Manages the Home Loans Credit Originations functional team
• Manages the relationships with various stakeholders and support areas, for example Home Loans Sales, Home Loans Product, Central Origination Analytics and Model Implementation Team by providing regular feedback on output of credit risk monitoring and results of analyses, as well as obtaining feedback on other initiatives, areas of concern etc.
• Ensures that manual processes are aligned to strategy and executed in a cost effective manner by liaising with the OSS and Credit Evaluations teams.
• Works with managers in the team to achieve desired business results through continuous improvement, technical development, coaching and mentoring activities.
• Encourages team members to express their views, resolves issues raised by the team, escalates issues if required, and provides feedback to teams on an ongoing basis.
• Monitors and manages the performance and development of staff within the area. This includes regular one-on-one feedback sessions, as well as conducting mid-year and final performance appraisals.
• Effectively delegates authority and responsibility, in line with business objectives, to ensure the empowerment, motivation and effectiveness of all direct and indirect reports.
• Ensures staff are appropriately and consistently rewarded and recognised for their achievements and outputs.
• Ensures the effective selection of staff by matching the skills and competencies to the requirements of the job.

Preferred Qualification and Experience

Qualifications

Minimum: B.Comm degree.

Preferred: Honours of Masters in Mathematics, Statistic, Economics, Actuarial Science

Experience

• 5-7 Years Leadership role within the Personal and Business banking environment
• 1-2 years Analytical work (ideally in Credit Risk)

Knowledge/Technical Skills/Expertise

As detailed above

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Job description

Job Details

Human Capital: attracting and retaining key talent, providing learning and development initiatives, governance of performance management and reward schemes, centres of excellence to drive and embed Standard Bank values and culture.

Job Purpose

To support the Programme Manager.

Key Responsibilities/Accountabilities

• Programme Development & Management
• Active participation in establishing, interpreting, communicating, monitoring of organisational vision, values goals and strategic objectives.
• Ensuring clear understanding of organisational working themes, approaches and methods of work.
• Leading the development of organisational partnership policies & ways of working.
• Assumes leadership in organisational strategy development and strategic planning & management processes.
• Overseeing management of the organisational portfolio of clients & programmes.
• Developing and implementing services in line with the strategy of the organisation.
• Leading reviews of organisational working structures and systems.
• Monitoring impact assessment on target groups.
• Managing People
• Ensuring optimum systems exist for managing performance of programme teams
• Ensuring systems exist to monitor and evaluate programme and project teams.
• Directing and guiding different groups/teams in such a manner as to lead to optimum joint results and co-ordination.
• As a member of the Executive management contributing to best practice policies in people management.
• Communications
• Writing skills, ability to analyse and process information.
• Profound analytical skills.
• Managing Resources
• Financial
• Supporting the development of a financial strategy, budgets and systems which ensure optimum efficiency and effectiveness.
• Foundation Leadership
• Advising and supporting the Senior Management Team in governing the Foundation
• Supporting the Chief Executive Officer in the leadership of the Foundation
• Playing an active role in the Senior Management Team
• Leading and supporting change processes
• Organisational Learning and Effectiveness
• Supervising the effective management of Programme Teams
• Taking opportunities for self development
• Aligning process and approaches to meet the organisational objective of becoming a learning organisation.
• General
• Co-ordination of Partner organisations on specific issues responding to Strategy Development
• Appropriate financial management experience
• An ability to develop strategy and policy and to translate these into practical action plans
• Excellent interpersonal, communication and presentation skills.
• Appropriate experience working with a diverse set of stakeholders. Managing partnership consultation processes in relation to the development of a partnership policy, alignment of theme strategies & the development of the Strategy.

Preferred Qualification And Experience

• Matric
• Project Management Experience
• Knowledge/Technical Skills/Expertise
• Co-ordination of Partner organisations on specific issues responding to Strategy Development
• Appropriate financial management experience
• An ability to develop strategy and policy and to translate these into practical action plans
• Excellent interpersonal, communication and presentation skills.
• Appropriate experience working with a diverse set of stakeholders. Managing partnership consultation processes in relation to the development of a partnership policy, alignment of theme strategies & the development of the Strategy.

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Job description

Job Details

Standard Bank is the largest bank in Africa and our highly visible brand, award-winning service, and strong global presence helps us maintain our market-leading position. We place huge value on the talent of our people to drive our continued success, and to support our plans for growth. We now need a talented and resourceful Team Leader Area Service Centre to help us fulfil our business objectives and build customer loyalty

Job Purpose

• To ensure that customers consistently receive high quality service by efficiently managing, developing and using all available resources (i.e. staff, systems and processes) and ensuring that a strong, customer-focused service culture becomes entrenched in the branches.
• To ensure that customers are migrated to more appropriate and cost-effective channels and those cross-selling opportunities are identified and actioned, based on the customer’s needs.
• To proactively identify and assess the risks faced by the branches and reduce the overall exposure by maintaining an effective system of controls.
• To ensure the effective rollout of change management initiatives and supports a change management development programme across outlets within the region.
• Maintain a high level of integrity and ethical standards.
• To maximise the opportunities to move market share by segment, where applicable, and to focus on customer attraction and retention in line with Personal and Business Market objectives.

Key Responsibilities/Accountabilities

• Drive transaction-led customer acquisition
• Executes sales plans to achieve responsive sales targets for the branches.
• Manages the sales tracking system and provide feedback and coaching to the team.
• Drives the lead referral system.
• Ensures that coaching of the customer consultants on product knowledge, cross-selling opportunities takes place.
• Drives the interplay between various channels (i.e. branch, proactive Sales and access points).
• Identifies business opportunities across segments within the region.
• Drives the usage of the Customer 1st system within region.
• Drives the required behaviours to support the Customer 1st system within region.
• System Access Administration
• Assigns users to the organisation structure.
• Adds/removes user access.
• Re-sets passwords.
• Logs Team Track requests for all hardware and telephony related problems.
• Loads users to the Multi-Function Device (MFD) system.
• Complete all compliance training within laid down timelines.
• Communicates and ensures that service standards are maintained, in line with differentiated requirements of the market segments.
• Ensures that customer needs are anticipated and met through provision of appropriate products and services via the most suitable channels.
• Ensures that the branches strive for continuous service improvement
• Consistent customer experience
• Maintains awareness of serious customer complaints within the
• Region, across Personal and Small Enterprise Segments and ensures the resolution thereof.
• Ensures that opportunities for migration of customers to more appropriate/cost-effective channels.
• Ensures that potential transactions that can be migrated are identified and actioned.
• Ensures efficient, customer-orientated telephone procedures.
• Discuss staffing requirements as predicted by Branch Scheduling Tool (BST) with Regional Manager in conjunction with the Workforce Optimisation team.
• Ensures BST schedule adherence for all reporting branches.
• Ensures that problem root causes are resolved by facilitating corrective action and regular liaison with support entities.
• Ensures that that service measurement is maintained and action adverse trends.
• Implements service recovery to facilitate customer retention.
• Efficiency and effectiveness
• Manages assets, (e.g. cash and cost accountabilities), with emphasis on the containment of controllable costs.
• Scrutinise the ICM General Cash account monthly on a surprise check basis, if Team Leader, Branch is the senior treasury custodian.
• Scrutinises financial branch reports to monitor and analyse costs, profitability and contribution.
• Monitors effective risk management, regulatory, compliance and cost containment within Branches.
• Ensures overall operational readiness/efficiency of the branches infrastructure (including premises, ATMs, systems), physical security, opening/closing procedures and operational issues such as fraud, losses and differences.
• Ensures that levels of authority and limits of access to information/systems are adhered to.
• Ensures that all routine controls relating to new business are effectively applied.
• Ensures that sales and service efforts are aligned across all segments represented in the Regions and that resources are allocated accordingly.
• Ensure that the Team Leader, Branch has daily reflection sessions with Small Enterprise and Personal Markets staff to manage daily delivery of minimum business expectations.
• Acts as an Electronic Content Management (ECM) Champion by:
• Accessing the ECM box on a daily basis to ensure that the ECM inbox does not have any documents from the previous day
• Ensuring that the relevant staff member indexes ECM documents within the required timeframes by following the necessary escalation process
• Risk management and compliance
• Identifies the major risks affecting the branches and in conjunction with the Regional Quality Assurance team ensures that the necessary steps are taken to measure, monitor and manage these risks.
• Ensures that a ten percent Know Your Customer (KYC) and Account
• Origination sample check for the correct KYC and account opening documents are conducted on a weekly basis.
• Monitors complete regulatory compliance for branches within the relevant region by:
• Monitors and manages physical, operational and process risk controls and levels of authority in the Region to minimise risk exposure.
• Maintains information on Security and access control system (SACS) for the relevant branches as per laid down procedure.
• Ensuring an understanding, adherence and disclosure to customers regarding accreditation, service fees and commission in terms of the Code of Banking Practice.
• Ensuring an understanding of, and adherence to, documentation requirements as outlined by FAIS and the Financial Intelligence Centre Act (FICA) and the Code of Banking Practice (COPB) for Personal and Small enterprises.
• Ensuring that all staff within the region, branches understands their roles as non FAIS representatives and do not give advice to customers.
• Ensures that all products offered to customers are sold on features, benefits and factual information only.
• Ensures understanding and adherence in the channel to the Consumer Protection Act (CPA).
• Identifies key physical, operational, processing and image risk factors.
• People management
• Ensures the team is inspired, motivated, and managed across Personal and Small enterprises within the Region.
• Responsible for the recruitment, development and retention of relevant skills in order to meet the business needs.
• Ensures the effective selection of staff by matching the skills and competencies to the requirements of the job.
• Ensures skills assessments and competency-based training takes place as and when required.
• Drive 100% compliance training for all staff, with the Region.
• Builds organisational capabilities through evaluating likely future requirements and ensuring that individuals are provided with the best possible development opportunities in line with these.
• Creates an environment in which learning and development are emphasised and valued.
• Takes personal responsibility for coaching and mentoring others.
• Effectively delegates authority and responsibility, in line with business objectives, to ensure the empowerment, motivation and effectiveness of all direct and indirect reports.
• Promotes a culture where the values of the Bank are seen to be ‘alive’
• Ensures the implementation of the leadership promise and employee engagement programme.
• Encourages team members to express their views, resolves issues raised by the team, escalates issues if required, and provides feedback to teams on an ongoing basis.
• Develops and maintains an open communication channel with direct reports and supports staff to foster greater co-operation and
• teamwork.
• Monitors and manages the performance and development of staff within the area. This includes regular one-on-one feedback sessions, conducting mid-year and final performance appraisals, as well as the moderation and relative distribution of all appraisals for the team.
• Fosters the transformation of the workplace and supports business in the achievement of the undertakings in the transformation scorecard, with specific attention to attaining the Department of Trade and Industry (DTI) targets for Standard Bank by 2016.
• Ensures staff are appropriately and consistently rewarded and recognised for their achievements and outputs.
• Ensures that disciplinary action and grievances are addressed and aligned to the Standard Bank policies and procedures

Preferred Qualification And Experience

• Matric
• FAIS
• RE5
• Relevant B Degree or Diploma would be an advantage
• Drivers Licence
• 5 – 7 Years branch banking experience, with exposure to all departments, people management and overall customer service

Knowledge/Technical Skills/Expertise

• Computer literate
• Good negotiation skills
• Good mentoring and coaching skills
• Excellent leadership skills
• Good verbal and communication skills

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Job description

Job Details

Retail & Business Banking

Job Purpose

To provide a basic, branch-based Business Banking sales and service function to a portfolio of Small Enterprise (SE) customers requiring uncomplicated and standardised financial product solutions.

Key Responsibilities/Accountabilities

• Drive Transaction Led-Customer Acquisition
• Promotes and sells a range of appropriate Standard Bank of South Africa (SBSA) product offerings and solutions that meet the financial needs of small business customers.
• Acquires and opens new business accounts and cross sells at account origination according to customer needs.
• Cross-sells additional products and services to existing customers.
• Identifies and refers sales leads to Business stakeholders e.g. Vehicle and Asset Finance; Electronic Banking (Business Online); SBFC; SBIB; Card; Home Loans; etc.
• Actions lead lists provided from direct marketing.
• Ensures that all leads are logged correctly in the presence of the customer and ensures cross selling opportunities are identified.
• Identifies and actions opportunities for cross- and up-sell.
• Identifies migration opportunities and sells products/services reactively.
• Customer Experience
• Provides a simple and convenient offering to a portfolio of small enterprise customers.
• Proactively contacts Top 20 percent of customer in line with SE value proposition.
• Interacts with customers and conducts needs analyses to assist customers to better understand their financial requirements.
• Accurately and efficiently processes customer mandates/ documentation requirements for banking facilities.
• Educates customers regarding the parameters and routine procedures governing standard SE product and self-service channel offerings to ensure the correct customer behaviour and product usage.
• Ensures that all new service requests (queries and complaints) are logged correctly, as either a “first contact resolution” or “non-first contact resolution” as appropriate.
• Ensures that service requests in personal work list are actioned within agreed timelines.
• Ensures accurate capture, updates or amendments of customer information and history notes.
• Economic Profit
• Responsible for the achievement of financial budgets through optimal growth of balances, margin management and revenue streams.
• Achieves financial budgets in line with Local market dynamics.
• Effectively manages pricing concessions and revenue collection.
• Portfolio Management
• Contacts customers in order to arrange appointments or discuss any sales opportunities.
• Arranges face to face appointments as per customer request.
• Maintains and updates customer information on the necessary systems.
• Lending Support and Risk Management
• Explains credit loan facility options and qualifying criteria to customers.
• Supports customers in the completion of credit application information requirements e.g. personal balance sheets, cash flow statements, financial statements and management accounts.
• Processes scored credit applications within the confidential limit of authority and Behavioural Risk Indicator (BRI) scores.
• Notifies customers regarding the approval or decline of credit loan facilities.
• Captures applications for all lending products.
• Actions credit violation reports daily as per laid down procedures.
• Ensures that the Know Your Customer (KYC) reports and Enhanced Due Diligence (EDD) reports are actioned timeously.
• Ensures that all Business Banking reports are actions as per laid down procedures.
• Legislative compliance
• Supports the implementation of the Financial Intelligence Centre Act (FICA) to ensure adherence to record keeping requirements
• Supports the SE Business Banking to ensure compliance to all applicable legislative requirements such as National Credit Act, Companies Act, Consumer Protection Act, etc.
• Ensures the adherence to all internal risk related policies and guidelines.

Preferred Qualification And Experience

• Matric
• Studying towards a Relevant business related tertiary qualification e.g. B.Comm degree is a pre-requisite
• Must complete one of the Qualifications listed on the FSB recognised list within the allocated time.
• 2 to 3 years Business Assistant experience to the Business Manager is ideal.
• Previous experience within the Personal/Consumer banking environment as a Customer Consultant/Personal Banker and/or Enquiries Officer is preferable.
• Must have relevant intermediary experience in respect of the FAIS product subcategories applicable to this role.
• Knowledge/Technical Skills/Expertise
• Good numerical skills, business acumen and financial acumen to interpret financial statements, balance sheets and basic financial ratios.
• A thorough knowledge of standardised business banking transactional products and other core products relevant to small enterprises.
• Good knowledge of Personal Banking product offerings.
• A basic knowledge/awareness of financial investment options, home loans (business mortgage), cards, merchant services, vehicle and asset finance and electronic banking options for lead generation purposes.
• A good working knowledge and understanding of behavioural credit scoring principles and practices, including an understanding of collateral and balance sheets.
• A working knowledge of multiple legal entities (companies, close corporations, sole proprietorships etc.) in the Small Enterprises market and the legislative restrictions & requirements governing these from a financial services perspective.
• A basic knowledge and understanding of the Companies and Intellectual Properties Registration Act (CIPC) for correct documentation/ mandate preparation purposes.
• Knowledge of competitor offerings.
• Knowledge of the Financial Advisory and Intermediary Services Act (FAIS), the Financial Intelligence Centre Act (FICA) and the National Credit Act (NCA).
• A working knowledge of Managing Local Market (MLM) sales principles and practices to manage and optimise portfolio retention and growth.
• Understanding and support of the bank’s multi-channel environment.