Job Opportunities at Nedbank

Job Purpose

• To recommend and or grant credit within mandate levels in order to place quality assets, in line with responsible lending on to the book and continued risk management across all stakeholders.

Job Responsibilities

• Validate client and supporting information by assessing the contents of the documents.
• Analyse credit applications by assessing serviceability of the funding applied for.
• Approve funding by making decision based on the credit policy guideline in conjunction with relevant Nedbank strategy and the analysis based on the information provided.
• Suggest alternative funding solutions by making recommendations based on the credit policy guideline and the analysis based on the information provided where declined.
• Build and maintain effective working relationships by providing a range of credit risk management advisory services.
• Manage client expectations by operating within the specified parameters and Service Level Agreements (SLA).
• Enhance processes, policies and procedures by recommending and making submissions to the relevant parties.
• Adapt to changes in Legislation by providing input to redesigning credit processes and systems where applicable.
• Seek opportunities to improve and enhance business processes (e.g., operational processes) and systems that will improve the functioning of stakeholders, by highlighting benefits in support of the implementation and recommending effective ways to operate and adding value to Nedbank.
• Ensure processes are actioned within mandated signatories by checking and confirming the sign off.
• Support the achievement of the  business strategy, objectives and values by reviewing Nedbank and Business Unit Plan and ensuring delivered systems, process, services and solutions are aligned.
• Identify training courses and career progression for self through input and feedback from management, and ensure all personal development plan activities are completed within specified timeframe.
• Share knowledge and industry trends with team and stakeholders during formal and informal interaction.
• Contribute to a culture conducive to the achievement of transformation goals by participating in Nedbank Culture building initiatives (e.g. staff surveys etc).
• Participate and support corporate responsibility initiatives for the achievement of business strategy.

Minimum Experience Level

• 5 years' credit / credit assessment experience within a Banking environment. Commercial Banking Credit experience will be an advantage. 
• 2 - 3 years' Small Business Services Credit Assessment experience a must
• Nedbank Credit Assessment System knowledge

Preferred Qualification

• NQF Level 6 (National Diploma) or Higher in a Financial or Accounting / Management / Accounting / Analysis 
• Matric / Grade 12 / National Senior Certificate
• Technical / Professional Knowledge
• Banking knowledge 
• Banking procedures 
• Business Acumen 
• Communication Strategies 
• Data analysis 
• Governance, Risk and Controls 
• Industry trends 
• Nedbank policies and procedures 
• Principles of financial management 
• Principles of project management 

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Job Purpose

• To enable change by defining the needs and the rationale for change, to understand the current state, to define the future state, and to determine the activities required to move from the current to the future state by applying the principles of business analysis, according to the requirements classification schema, from a diverse array of multi-functional perspectives with an agile mindset. Address complex challenges or opportunities, finds a way to deliver business value for any change challenge, guides others to help them deliver better business outcomes, is sought after for expertise and guidance in addressing business challenges, and provides insight to situations that fall within (or outside of) the sphere of influence. Pair with Product Designers (CX/UX), Business Architects, Testers (QA), Business data Managers (BDM) and key roles in the requirements value chain. Apply the principles of Product Ownership Analysis and the strategy-to-execution framework. Lead other BAs in delivery Enterprisewide solutions where this is a project requirement an/or act as the business subject matter expert.

Job Responsibilities

• Conduct and lead others on iterative and adaptive planning and monitoring tasks to estimate, organize and coordinate the BA efforts on large/complex enterprise initiatives. 
• Conduct and lead others on requirements analysis and design definition to structure, organize, specify and model requirements and designs, validate and verify information, identify solution options that meet business needs, and estimate the potential value that could be realized for each solution option
• Conduct and lead others on Solution Evaluation to assess the performance of and value delivered by a solution, and eliminate barriers/constraints that prevent the full realization of the value. 
• Execute and lead others on according to IIBA best practices, agile product delivery and lean principles based on Nedbank's delivery approach as per the BA methods. 
• Understand/co-create the operational value streams, enterprise strategic themes, product roadmap, vision, KPIs and metrics. 
• Use visual diagrams and collaborative games to model scope, interfaces, story context, data flows, processes, and Enterprisewide dependencies. 
• Document Epics/features/themes to analyse user stories - identify gaps, missing stories, acceptance criteria, scenario development and all requirement categories. 
• Own decomposition of portfolio epics, features, elicitation, analysis, story writing and acceptance criteria writing throughout the requirements value chain and ensure reuse of requirements.   
• Collaborate/co-create process and capability alignment by pairing with the PE and Architect. 
• Drive collaboration with development/QA to identify test cases/scenarios, conduct UAT and train the trainer/user, support change management and the product manager with commercialisation. 
• Lead all aspects of Backlog Refinement and increment planning and champion DevOps & Built-in quality principles and limit WIP. 
• Analyse/document data requirements and model data flows/ ERDs through all 7 product dimensions on a portfolio level by pairing with BDMs. 
• Foster stakeholder relationships and engagement for backlog discovery and delivery, dependencies and enterprise delivery up to executive level. 
• Conduct system demos and contribute to I&A, implement suggestions and drive continuous improvement. 
• Actively participate and lead portfolio/squad ceremonies by pairing with SMs, ACs, POs, Epic/BITE Owners. 
• Champion minimum viable thinking by defining, prioritising, estimating and planning small increments to achieve increment plans. 
• Drive early remediation by reducing waste, rework, identify risks, issues and dependencies within scope and across projects
• Have the ability to guide principles and strategies within the portfolio 
• The ability to be a mentor to other resources within the space
• Stay close to the strategy and be a wholistic thinker 
• Ability to self-organise and prioritise tasks for themselves and within the team 
• Ensure team capacity and work allocation is spread evenly across to meet the business need 

 
Essential Qualifications - NQF Level

• Professional Qualifications/Honour’s Degree

Preferred Qualification

• IT qualification

Preferred Certifications

• Certificate in BA endorsed by IIBA , SAFe and Agile Certification
• Minimum Experience Level
• 10 year's experience and must have Agile experience. 

Types of Exposures

• Must be exposed to other high demanding IT areas
• Must have experience as a previous lead/mentor within the BA space

Technical / Professional Knowledge

• Research methodology
• Data and Business analysis
• Strategy planning and execution
• BA Body Of Knowledge
• Agile Concepts
• Process Engineering Skills
• Business Analysis Descipline , Techniques and Practices
• Global business analysis Trend
• Information Technology concepts
• Behavioural Competencies
• Decision Making
• Technical/Professional Knowledge and Skills
• Driving Innovation
• Digital Acumen
• Coaching
• Building Networks

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We are looking for DM Business Manager to sell, service and manage the Nedbank Debtor Management (NDM) Portfolio in line with Nedbank's Relationship Banking Channel strategy and agreed targets. The debtor management suite of products would include Invoice Discounting; Factoring; Cash Solutions/Single invoice discounting; Export Factoring and Trade Finance

Job Responsibilities

• Grow the Nedbank Debtor Management  book in line with budgets by building and maintaining client relationships
•  Source new business by presenting Nedbank Debtor Management product opportunities to clients. (Invoice Discounting; Factoring; Cash Solutions/Single invoice discounting; Export Factoring and Trade Finance)
• Provide product expertise by delivering Nedbank Debtor Management solutions in line with Relationship Banking Channel strategy and budget
• Build and maintain client relationships through the undertaking of independent and dual visits with bankers based on client needs and related situations
• Build relationships with internal/external stakeholders by contributing to structured information sharing meetings
• Identify opportunities by collaborating with Relationship Banking Channel according to strategy
• Manage and monitor onboarding of new clients
• Monitor portfolios in line with credit limits and associated Management Information Systems to ensure that client expectations are met
• Ensure client expectations are met by liaising with regional and product teams. Monitor/manage outputs as per service level agreements to internal and external stakeholders.
• Collaboration with operations/audit within Debtor Management.
• Address operational and system challenges by managing client relationships and involving internal stakeholders to find solutions and resolve challenges.
• Support the achievement of the  business strategy, objectives and values by reviewing Nedbank and Business Unit Plan and ensuring delivered systems, process, services and solutions are aligned.
• Identify training courses and career progression for self through input and feedback from management.
• Ensure all personal development plan activities are completed within specified timeframe.
• Share knowledge and industry trends with team and stakeholders during formal and informal interaction.
• Obtain buy-in for developing new and/or enhanced processes (e.g. operational processes) that will improve the functioning of stakeholders' businesses by highlighting benefits in support of the implementation of recommendations.
• Contribute to a culture conducive to the achievement of transformation goals by participating in Nedbank Culture building initiatives (e.g. staff surveys etc.).
• Participate and support corporate responsibility initiatives for the achievement of business strategy (e.g.. Green Strategy).
• Seek opportunities to improve business processes and systems by identifying and recommending effective ways to operate and adding value to Nedbank.

Essential Qualifications - NQF Level

• Advanced Diplomas/National 1st Degrees

Minimum Experience Level

• 5 years experience in Sales/Relationship Management

Behavioural Competencies

• Building Partnerships
• Earning Trust
• Communication
• Customer Focus
• Business Acumen
• Planning and Organizing

Technical / Professional Knowledge

• Business administration and management
• Business terms and definitions
• Change management
• Financial Accounting Principles
• Governance, Risk and Controls
• Principles of project management
• Relevant Nedbank product knowledge
• Relevant regulatory knowledge
• Talent management
• Management information and reporting principles, tools and mechanisms

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Job Purpose

• To manage and deliver medium projects from commencement to completion within the scope, budget and time agreed. Projects could be associated with any discipline e.g. property, engineering, information technology, in line with the business strategy. The Project Manager will play an active role in providing mentorship and coaching on agile best practices to junior staff. The Project Manager will also ensuring the team is working on the right tasks at the right time, working closely with the product manager to translate epics, stories, and other items on the sprint list into actionable tasks for the delivery team

Job Responsibilities

• Ensure successful implementation of Agile in software projects with improved quality in accordance with business needs and strategic goals.
• Provide expert level guidance to software project team in terms of process, system, tools, methods as well as communication, integration, and successful team dynamics through weekly facilitation sessions
• Integrate with diverse stakeholders by engaging and facilitate with multiple diverse groups across a spectrum of wants and needs
• Engage and facilitate with multiple diverse groups across a spectrum of wants and needs
• Build professional relationships though engagement and regular communication and feedback with all stakeholders using quality metrics and project status reports as drivers
• Ensure accurate cost estimation based on coverage of client requirements and project scope.
• Manage project budget within project scope.
• Deliver projects on target within due date, budget and according to scope and project governance.
• Ensure traceability of defined benefits throughout lifecycle of the project and escalate any deviations.
• Ensure management of scope including coverage of client requirements and based on estimations.
• Manage delivery of project against agreed schedule.
• Meet requirements by providing advice to clients on the most appropriate Project management approach, identify project stakeholders, communicate their roles, and define the level of participation in project, map their communication needs and manage stakeholder engagement strategies through the project plan.
• Manage each stakeholder group actively through the change cycle.
• Conduct business change impact across process, systems, and roles according to the change management plan.
• Manage the stakeholders by ensuring an understanding of the behaviours and operations and by defining strategies in project schedule.
• Keep clients and management informed.
• Ensure the change management process is led and supported together with the client.
• Ensure client needs are accurately captured in scope and signed off by stakeholders.
• Ensure satisfactory post implementation review and performing retrospectives/inspect & adapt sessions as required.
• Ensure client needs are accurately captured in scope and signed off by stakeholders.
• Ensure sufficient resource allocation.
• Manage delivery of medium projects according to prevailing Project Management methodology.

Essential Qualifications - NQF Level

• Matric / Grade 12 / National Senior Certificate
• Professional Qualifications/Honour’s Degree

Preferred Qualification

• NQF level 7 qualification or Honours degree in Project Management or Business management

Essential Certifications

• Relevant certification in PM practises or methodology (PRINCE/ PMBOK ETC)

Preferred Certifications

• Project Management or Business Management,  Certified Scrum

Minimum Experience Level

• 5-8 years working experience in project environment of which 5 years in a PM role

Technical / Professional Knowledge

• Industry trends
• Relevant software and systems knowledge
• Principles of financial management
• Cluster Specific Operational Knowledge
• Principles of project management
• Communication Strategies
• Decision-making process
• Governance, Risk and Controls
• Financial management
• Information Technology concepts

Behavioural Competencies

• Influencing
• Customer Orientation
• Earning Trust
• Continuous Learning
• Monitoring Information
• Leveraging Feedback
• Planning and Organizing

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Job Purpose

• The Credit Manager will need to demonstrate proactive management of financially distressed and non-performing clients - understanding client's businesses, setting appropriate client strategies, solution driven which combined actions translate into customer retention and rehabilitation without compromising the bank's risk.
• The purpose of this role is to assist the Senior Credit Manager and Credit Executive in effectively and efficiently managing a portfolio of high-risk clients through the interaction with CIB, Property Finance, Rest of Africa and Special Portfolio’s Credit, Legal and Administration structures, as well as manage multi-lender situations in consortiums.

Job Responsibilities

• Recommend and present credit decisions to mandated credit committees and assist in implementing the credit decisions and monitoring the financial health post the implementation of the credit decision.
• Research and analyse information using appropriate problem identification techniques in order to propose a solution(s) and be able to oversee the implementation of the solution after approval.
• Interact with various stakeholders in CIB to assist with formulating appropriate solutions for each client.
• Interact externally with clients, external auditors, lawyers and other banks.
• Prepare and review MIS for the allocated portfolio which includes all reporting requirements for credit and operational risk monitoring as well as model back-testing & calibration.
• Active contributor to discussions in Special Portfolio credit committee.
• Need to have a good working knowledge of financing and security structures.
• A working knowledge of the Insolvency Act and Chapter 6 of the Companies Act will be advantageous.
• Must be able to work effectively within a team and have a high tolerance for stressful situations.
• Needs to be able to be adaptable and flexible and think of solutions outside of the normal credit parameters.
• Need to have a high degree of financial acumen and an ability to perform under pressure.
• Good communication skills are vital, as are analytical thinking and attention to detail.

Preferred Qualification

• B.Com (Hons), CA(SA) or CFA

Minimum Experience Level

• 2-3 years Credit Risk Management experience within Banking environment

Technical / Professional Knowledge

• Banking procedures
• Business principles
• Communication Strategies
• Data analysis
• Governance, Risk and Controls
• Nedbank policies and procedures
• Principles of project management
• Relevant regulatory knowledge
• Decision-making process
• Cluster Specific Operational Knowledge

Behavioural Competencies

• Communication
• Decision Making
• Initiating Action
• Managing Work
• Quality Orientation
• Technical/Professional Knowledge and Skills

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Job Purpose

• To develop financial valuation models to enable clients to make optimal investment decisions and support the team by providing requisite detailed analyses and documentation (powerpoint presentations; circulars; announcements) for proposals and transactions; thereby assisting the business in revenue generation

Job Responsibilities

• Ensuring data integrity & the correct systems / tools are in place
• Reviewing and interrogation of revenue, costs, balance sheet usage, monitoring limits / mandates and P&L flash reports
• Report on both asset & liabilities from a portfolio perspective – market risk, capital & liquidity drivers
• Monthly portfolio analytics for executive management
• Budgeting and planning process + regulatory impacts, including capital & liquidity planning and forecasting
• Working together with the Markets xVA team to co-ordinate and monitor / manage the overall CIB credit risk profile
• Interacting and coordinating with the Lending Middle Office, Structured Finance Support, Finance, Treasury, Legal, Audit, Compliance, IT and Operations
• RWA levels usage vs forecast levels and close interaction with all stakeholders around management and reporting around expectations. This informs decisions that may impact capital adequacy ratios such as the CET1 and performance measures such as RoRWA & ROE
• Opine on the IFRS impact and ensure assets are designated correctly upfront to ensure ease of portfolio optimisation and not being constrained in anyway whatsoever. This would include the fee recognition approach, hedge effectiveness, P&L at risk, designation of the underlying exposures against franchise strategy and the impact of any risk mitigation initiatives
• The candidate should be confident challenging internal/external stakeholders, writing policy/framework, engaging Legal, IFRS Advisory; Finance etc. in an entrepreneurial demeanour and be well considered in rigorously managing the risks and controls covered by this position. Likewise, experience at an international bank or similar role would be an advantage.
• The successful candidate will assist my functional structure and assist to develop a robust control environment that may adequately consider all of CIB’s banking books.

Preferred Qualification

• Post Graduate Qualification / CA (SA) / CFA / BComm. LLB. / BSc. Engineering / Actuarial Science

Minimum Experience Level

• 7 to 10 years’ experience and is well versed in aligning the franchise and portfolio strategy in optimising the use of the bank’s financial resources.

Technical / Professional Knowledge

• Banking procedures
• Governance, Risk and Controls
• Industry trends
• Microsoft Office
• Principles of financial management
• Principles of project management
• Relevant software and systems knowledge
• Research methodology
• Decision-making process
• Knowledge of the SA Regulatory landscape

Behavioural Competencies

• Communication
• Continuous Learning
• Collaborating
• Decision Making
• Managing Work
• Technical/Professional Knowledge and Skills

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Job Purpose

• To deliver banking solutions to clients by understanding their business and needs through relationship management to achieve Nedbanks strategy to be the most admired bank.

Job Responsibilities

• Private Banker DAS refers to Private Banker Digital Advisory Services - it is a Virtual Private Banker role
• Deliver banking solutions that meet client needs through understanding of client's business and needs through relationship management.
• Demonstrate an understanding of risk parameters by managing client relationships according to credit principles
• Improve results by tracking and analysing financial reports against agreed measures.  
• Understand clients business and needs through proactive client relationship management according to portfolio mandate.
• Build relationships with internal stakeholders through communication and networking as determined by client needs.
• Collaborate with third parties by engaging with them as guided by requirements of solutions delivered to clients.
• Complete tasks through planning and reviewing against set targets.
• Manage resources (time, processes and support teams) to optimize value against client expectations.
• Comply with risk standards,policies and procedures through training and development as required by group complianceframework
• Research and analyse information by using problem solving techniques to propose solutions for work challenges.
• Support the achievement of the  business strategy, objectives and values by reviewing Nedbank and Business Unit Plan and ensuring delivered systems, process, services and solutions are aligned.
• Identify training courses and career progression for self through input and feedback from management.
• Ensure all personal development plan activities are completed within specified timeframe.
• Share knowledge and industry trends with team and stakeholders during formal and informal interaction.
• Obtain buy-in for developing new and/or enhanced processes (e.g. operational processes) that will improve the functioning of stakeholders' businesses by highlighting benefits in support of the implementation of recommendations.  
• Contribute to a culture conducive to the achievement of transformation goals by participating in Nedbank Culture building initiatives (e.g. staff surveys etc).
• Participate and support corporate responsibility initiatives for the achievement of business strategy (e.g.. Green Strategy).
• Seek opportunities to improve business processes and systems by identifying and recommending effective ways to operate and adding value to Nedbank.

People Specification
Essential Qualifications - NQF Level

• Matric / Grade 12 / National Senior Certificate

Essential Qualification

• Degree in Business or Finance (BSc Economics, B Comm or equivalent)
• FAIS Accreditation Regulatory Examinations RE 5
• Certified Financial Planner (CFP) 

Preferred Certifications
Minimum Experience Level

• 2-3 years in a relationship management or banking environment

Technical / Professional Knowledge

• Banking knowledge
• Banking procedures
• Business Acumen
• Business principles
• Business writing
• Communication Strategies
• Data analysis
• Governance, Risk and Controls
• Microsoft Office
• Nedbank policies and procedures
• Nedbank vision and strategy
• Principles of financial management
• Principles of project management
• Relevant regulatory knowledge
• Relevant software and systems knowledge
• Decision-making process
• Nedbank culture
• Cluster Specific Operational Knowledge

Behavioural Competencies

• Communication
• Energy
• Building Trusting Relationships
• Managing Work
• Sales Disposition
• Sustaining Customer Satisfaction