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Absa Group Limited (Absa) has forged a new way of getting things done, driven by bravery and passion, with the readiness to realise the possibilities on our continent and beyond.
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Job Description
- Relationship Management: Own the primary relationship with the client by being the client’s main contact point for all corporate and investment banking needs. Client Solutioning: Take overall accountability for service delivery by setting the rules of engagement for the cross functional team, which includes Transactional Banker, Credit Analyst, Segment Support Client Control Team, Client Service Consultant & Product & Sector teams.
- Manager Risk Assessment: Take ownership of the portfolio's risk management by ensuring a good understanding of both the Bank's and the clients regulatory and compliance environments
Education
- Bachelors Degree and Professional Qualifications: Business, Commerce and Management Studies (Required)
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Job Description
- Customer service: Deliver customer service at first point of contact
- Capturing financial transactions: Capture all financial transactions on the Bank system and ensure that all transactions are properly authorised by a mandated official before finalising the processing
- Fraud prevention: Identify potential fraudulent transactions and report these and other suspicious transactions as per the Money Laundering control framework to management
- Capture customer data: Update demographics such as address changes, name changes and standing order instructions based on information supplied by customer.
Education
- Further Education and Training Certificate (FETC): Business, Commerce and Management Studies (Required)
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Job Description
Key critical skills and experience required:
- Min 4 years Solution Architecture experience
- 8+ years hands-on Technology and Engineering experience
- Experience in customer-facing disciplines and agile delivery disciples and techniques
- Agile delivery disciples
- T-shaped expertise with a breadth of skill, understanding and experience across different areas of delivery, different banking functional/business domains as well as a depth of skill in technology and integration architecture
- Proven track record in implementing complex architectures and solutions with deep hands on experience in complex technical implementations (engineering backround).
- Practical understanding and experience in Design Thinking, Jobs to be Done, Customer Journeys, Experience Design, CEM, etc.
- Technology Management and Strategy including TCO modelling and analysis, application portfolio management and cost optimization.
Key Accountabilities:
Architecture
- Leverage a solid & deep understanding of the organization strategy to identify, design & deliver relevant, scalable, testable, re-usable technology solutions
- Work in collaboration with delivery teams to independently analyse customer requirements & varying business capabilities & leverage analysis to identify & accurately spec / frame ‘the complex business problems we are aiming to solve’ with each solution design or solution evolution
- Through the above processes, leverage emotional, social & business / commercial quotient to understand consumers and the broader range of stakeholders, their opinions & perspectives and reconcile these within the solution designs (negotiation skills and dealing with complex and divergent stakeholder opinions are a must)
- Leverage expertise in analytical & creative problem solving to synthesise a solution design (build a solution from its components) beyond the analysis of the problem
- Lead design thinking processes to successfully deliver solution blueprints & associated roadmaps
- Create end to end solution blueprints & ensure these can be implemented across all phases of the initiative life-cycle (ideation through to product launch & commercialization)
- Design & or contribute to the design & implementation of detailed feasibilities & business cases
- Leverage a strong engineering background to make the right choices in solution design – this knowledge includes but is not limited to: domain driven design, loosely coupled integration, microservices and other modern software design practices
- The above extends to identifying the best fit tools to be used for a particular solution, understanding those that would not be a good choice and leveraging researching skills to pivot towards something better
- Assume ‘one stop’ shop accountability for solution blueprint design & delivery decisions within an organization based on the above
- Work with project / program management teams to design solution roadmaps aligned to the strategic requirements of an organization and through which the solution can be implemented across all phases of the initiative life-cycle (ideation through to product launch and commercialization)
- Work embedded, as part of a delivery team, to ensure the successful design & implementation of solution blueprints
- Ensure that the detail of the solution (across all architecture domains) is accurate to the implementation of the initiative, true to the bank’s architectural principles/preferences, implementable by the different teams involved in the solution
- Work as part of embedded delivery teams to conduct solution reviews, code reviews, testing and other disciplines associated with solution design & delivery
- Attend various Group & Business specific architectural design forums and present solution designs and detailed business cases for approval
- Leverage synthesis & creative problem skills to identify risk (impending danger & challenges) and work with a cross functional group of stakeholders across the value chain for support & direction
- Conduct solution reviews against defined customer metrics and ensure the ongoing achievement of business results through solution implementation
- Ensure a solid understanding of emerging & evolving architectural principles and hold one stop shop accountability for the evolution of solutions in alignment with these principles (where it makes sense to do so)
- Build architectural capability across delivery teams in a business to ensure ongoing evolution of skills in solution delivery
- Contribute to the architecture body of knowledge
- Contribute to the design & evolution of architectural principles and preferences
People
- Participate in peer reviews (code, solution, testing etc.) and transfer knowledge and capability across delivery teams for improved solutioning & evolving architectural practices
- Set & Cascade solution direction across technology delivery teams
- Build & evolve the architectural capability of Delivery teams across the business – through active coaching & information / knowledge sharing
- As an SME, support the proactive attraction, recruitment, development, & retention of strong technology teams across an estate
- Leverage and embed agile practices in delivery teams and work to build strong self-directed, high performance teams through agile working practices (including daily, weekly, etc. sprint routines, regular & honest feedback etc.)
Financial & Vendor Management, Risk & Governance
- Carry the ‘one stop shop’ accountability for all risk associated with solution design (from ideation to deployment)
- Apply the organization risk & governance frameworks
- Ensure solution design alignment to Group guidelines & ensure solutions are sustainable for the enterprise
- Proactively involve / engage chapter & guild leads in solution decision making, applying an enterprise wide lens to product & service development
- Ensure solution design alignment to regulatory requirements and continuously update knowledge on regulatory requirements for the successful design of new & evolution of existing solutions
- Deliver on time & on budget (always)
Education
- Bachelor's Degree: Information Technology
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Job Description
Strategy, Planning and Risk Management
- Lead the adoption of leading-edge customer collection strategies in Personal Loans, including pre-collections (high-risk account management), pre-legal, legal, and off-balance sheet.
- Develop and / or optimize collections and high-risk account management strategies (preventing a customer rolling into collections) using leading-edge techniques / scoring to maximize collections, including the ownership of implementation of the strategies (Example TRIAD, Collections Scorecards).
- Lead the distressed customer solution strategy in collaboration with other business areas
- Lead the collections digitization and optimization journey across Everyday Banking
- Expand on post write-off recovery strategies in an attempt to optimize this cashflow stream
- Participate in the strategy setting and design of the Collections Operations and External Debt Collectors incentive programs to ensure their effectiveness in motivating collectors and ensuring performance is improved to attain budgeted targets.
- Review and optimize Forbearance strategies (including Debt Counselling) to ensure recoveries are maximized whilst rehabilitating the customer.
- Maintain documentation of end‐to‐end credit collections strategy.
- Understand the interaction between the macro environment and credit performance and adjust credit collections strategies to accommodate stressed events – based on macro expectations.
- Contribute to development of short and medium term financial and business plans driven by business by providing advisory input on the acceptable risk/reward profile while supporting efforts to maximize the opportunities.
- Develop strategy and policy tests to challenge and enhance current strategies.
- Ensure Management Information (MI) in place or is developed to monitor strategy performance and effective implementation/adherence by quality checking MI teams reports and reviewing the information the relevant product committees.
- Ensure that the required portfolio reviews are completed, review the results and make recommendations to the business leaders on how their business activities should be tweaked to improve portfolio performance.
- Ensure systems used for implementing collections strategies are fit for purpose and identify and specify enhancements by confirming strategies are working as required and as per implementation plans.
- Manage and control all compliance, mandatory and regulatory accountability relating to collections and ensure both collectors and credit managers understand their risk obligations. These will include the National Credit Act (NCA), and the Enterprise Risk Management Framework (ERMF).
Stakeholder and Relationship Management
- Coordinate and communicate collections activities with the respective BUs, Risk and Operations teams.
- Drive close collaboration with the Operations teams and instill a co-operative and conducive working relationship.
- Secure support from Collections and Recoveries Operations, Risk Teams, MI, Business teams, Finance, Product, Payments, Technology and HR to deliver collections programs.
- Participate in the BU Exco / Manco meetings to ensure adequate communication and understanding of senior managers in the BU around the analytics-based methodology used by Risk and decision-making, and the benefits thereof.
- Support the BUs to deliver impairment targets and Loan Loss Rates aligned with the forecasting by providing proactive analysis and guidance on how to manage credit risk within acceptable levels.
- Establish credit risk modelling and measurement procedures and systems.
- Help identify and drive cross-sell and up-sell opportunities in the portfolio and identify pre-qualified business that can be targeted by the BUs to grow the portfolios.
- Liaise with various internal stakeholders (e.g. Risk Management, Credit Lending, Product Head, IT and Enablement, Payments, Group Risk) to secure their respective support in the implementation of changes to the credit underwriting strategies and ensuring capacity exists to implement.
- Review and report strategy performance and trends to the Everyday Banking, Portfolio Quality Review Meeting, Retail Credit Risk Committee, Group Risk teams, and Product Teams
People and Culture
- Builds and sustains a culture that aligns to Everyday Banking and Risk’s aspirational colleague experience to deliver the target customer experience and financial performance.
- Ensure delivery of business goals by aligning Performance Development (PD) Plans of direct reports to the business goals.
- Instill a performance development culture through directing the PD process and adhering to the PD calendar.
- Pro‐actively identify development areas of direct reports and compile development plans to address them.
- Attract and retain talent, with the assistance from the HR Business Partner.
- Interview and recruit new members of the team, including determining appropriate compensation levels with input from HR.
- Identify team capabilities and develop a succession plan, with the assistance from the HR Business Partner.
- Initiate disciplinary action process as and when required, with the assistance of the Employee Relations Consultant.
- Act as the first line of escalation for all grievances.
- Conduct monthly meetings with the team to address performance gaps.
- Effectively lead team members and ensure their efforts are recognized.
- Ensure execution of plans seeking to address employee related issues ‐ e.g. Colleague Engagement Survey (CES) action plans.
Control
- Accountable for ensuring an optimal and complaint control environment within the product that appropriately balances collections activities and customer experience with the need to grow to achieve the financial ambitions and balance sheet.
Education and Experience Required
- Honours Degree in Mathematics and / or Statistics or equivalent NQF level 8 qualification.
- 8 years of relative banking experience of which 2 years should be in a senior role (preferably Retail Banking).
- Highly numerate and literate.
- Well-rounded credit professional with sufficient management experience.
Knowledge and skills:
- Knowledge of / in dealing with Retail Bank clients (Expert).
- Proven record of accomplishment in credit management & Sanctioning (Expert).
- Financial analysis and interpretation skills (Advanced).
- Stakeholder Management Skills (Advanced).
- Scorecard development (Expert).
- SAS Skills (Expert).
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Job Description
Strategy, Planning and Risk Management
- Lead the adoption of leading-edge customer collection strategies in Card and Transactional, including pre-collections (high-risk account management), pre-legal, legal, and off-balance sheet.
- Develop and / or optimize collections and high-risk account management strategies (preventing a customer rolling into collections) using leading-edge techniques / scoring to maximize collections, including the ownership of implementation of the strategies (Example TRIAD, Collections Scorecards).
- To lead the debt sale strategy of the Everyday Banking business and manage the debt sale process end-to-end.
- Expand on post write-off recovery strategies in an attempt to optimize this cashflow stream
- Participate in the strategy setting and design of the Collections Operations and External Debt Collectors incentive programmes to ensure their effectiveness in motivating collectors and ensuring performance is improved to attain budgeted targets.
- Maintain documentation of end‐to‐end credit collections strategy.
- Understand the interaction between the macro environment and credit performance and adjust credit collections strategies to accommodate stressed events – based on macro expectations.
- Contribute to development of short and medium term financial and business plans driven by business by providing advisory input on the acceptable risk/reward profile while supporting efforts to maximize the opportunities.
- Develop strategy and policy tests to challenge and enhance current strategies.
- Ensure Management Information (MI) in place or is developed to monitor strategy performance and effective implementation/adherence by quality checking MI teams reports and reviewing the information the relevant product committees.
- Ensure that the required portfolio reviews are completed, review the results and make recommendations to the business leaders on how their business activities should be tweaked to improve portfolio performance.
- Ensure systems used for implementing collections strategies are fit for purpose and identify and specify enhancements by confirming strategies are working as required and as per implementation plans.
- Manage and control all compliance, mandatory and regulatory accountability relating to collections and ensure both collectors and credit managers understand their risk obligations. These will include the National Credit Act (NCA), and the Enterprise Risk Management Framework (ERMF).
Stakeholder and Relationship Management
- Coordinate and communicate collections activities with the respective BUs, Risk and Operations teams.
- Drive close collaboration with the Operations teams and instill a co-operative and conducive working relationship.
- Secure support from Collections and Recoveries Operations, Risk Teams, MI, Business teams, Finance, Product, Payments, Technology and HR to deliver collections programs.
- Participate in the BU Exco / Manco meetings to ensure adequate communication and understanding of senior managers in the BU around the analytics-based methodology used by Risk and decision-making, and the benefits thereof.
- Support the BUs to deliver impairment targets and Loan Loss Rates aligned with the forecasting by providing proactive analysis and guidance on how to manage credit risk within acceptable levels.
- Establish credit risk modelling and measurement procedures and systems
- Help identify and drive cross-sell and up-sell opportunities in the portfolio and identify pre-qualified business that can be targeted by the BUs in order to grow the portfolios.
- Liaise with various internal stakeholders (e.g. Risk Management, Credit Lending, Product Head, IT and Enablement, Payments, Technology, Group Risk) to secure their respective support in the implementation of changes to the credit underwriting strategies and ensuring capacity exists to implement.
- Review and report strategy performance and trends to the Everyday Banking, Portfolio Quality Review Meeting, Retail Credit Risk Committee, Group Risk teams, and Product Teams.
People and Culture
- Builds and sustains a culture that aligns to Everyday Banking and Risk’s aspirational colleague experience to deliver the target customer experience and financial performance.
- Ensure delivery of business goals by aligning Performance Development (PD) Plans of direct reports to the business goals.
- Instill a performance development culture through directing the PD process and adhering to the PD calendar.
- Pro‐actively identify development areas of direct reports and compile development plans to address them.
- Attract and retain talent, with the assistance from the HR Business Partner.
- Interview and recruit new members of the team, including determining appropriate compensation levels with input from HR.
- Identify team capabilities and develop a succession plan, with the assistance from the HR Business Partner.
- Initiate disciplinary action process as and when required, with the assistance of the Employee Relations Consultant.
- Act as the first line of escalation for all grievances.
- Conduct monthly meetings with the team to address performance gaps.
- Effectively lead team members and ensure their efforts are recognized.
- Ensure execution of plans seeking to address employee related issues ‐ e.g. Colleague Engagement Survey (CES) action plans.
Control
- Accountable for ensuring an optimal and complaint control environment within the product that appropriately balances collections activities and customer experience with the need to grow to achieve the financial ambitions.
Education and experience required
- Honours Degree in Mathematics and / or Statistics or equivalent NQF level 8 qualification.
- 8 years of relative banking experience of which 2 years should be in a senior role (preferably Retail Banking).
- Highly numerate and literate.
- Well-rounded credit professional with sufficient management experience.
Knowledge and skills:
- Knowledge of / in dealing with Retail Bank clients (Expert).
- Proven record of accomplishment in credit management & Sanctioning (Expert).
- Financial analysis and interpretation skills (Advanced).
- Stakeholder Management Skills (Advanced).
- Scorecard development (Expert).
- SAS Skills (Expert).
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Key Accountabilities
Business Enablement through provision of support to the Tax Leadership team. (Tax Administrative Support)
- Diary and Meeting Management including where required room bookings / ordering catering and working with IT to ensure appropriate set up.
- Drive and support with collating agendas and PowerPoint decks for meetings including, but not limited to TLT, Tax Team Huddle and quarterly Tax Team meeting.
- Organisation of team events (internal and external) including scheduling, invitations, venues, catering, equipment etc.
- Planning and support for the annual Tax Conference and Leadership Strategy Offsites.
- Accountability for travel arrangements and processing of expense claims.
- Manage and review filing and archiving systems in line with Records Management policy (Docufile).
- Management of the Tax shared drive / electronic record keeping systems (NAS).
- Assisting with Requests for IT equipment / software / building access.
- Arranging everything for new joiners such that all is operational on day 1.
- Supporting People initiatives such as CSI, Training Academy, Birthdays and Team Build events.
- Ordering of equipment, stationery, and Tax Textbooks.
- Ad hoc record keeping and reporting as required.
- Support the team with the ad hoc projects and initiatives such as Process Mapping.
- Update key Tax Strategy documents – IPAD, scorecards and timelines document.
- Assist the Head of Tax with Team Communications and speaker notes.
Operational Support
- Administrative and operations support: Provide administrative and operations support and advice against standard operating procedures.
- Provide support to The Tax team as required to ensure team performance on an ongoing basis |
- Compliance and Risk Management -Fulfil all activities in adherence to relevant control and compliance requirements, and quality standards.
- Effectively fulfil all required administrative duties, including tracking and reporting as may be required by Tax SLG.
- Engage with the COO Ops team for payment of Invoices and stay abreast of regular expenses in Grp Tax. This includes attending to requests within 24 hours and follow up on progress and consulting with vendor when required.
- Take ownership when dealing with customer requests, offer solutions and concludes complaint constructively.
- Maintain financial files and records by safely and systemically storing source documents on files/system.
- Address ad-hoc queries from internal and external stakeholders, ensuring a clear understanding of requests while responding effectively, ensuring high quality work and by meeting the required deadlines.
- Perform general administration duties with regards to finance duties.
Role/Person Specification
Preferred Education and Experience
- Degree or Diploma in related field (NQF Level 5/6)
- Proficient in MS Office (Word, Excel, PowerPoint and Outlook)
- 3 – 5 Years’ relevant experience in Financial Services
Knowledge and Skills
- Good organisational skills
- Computer literate
- Strong business knowledge
- Basic accounting background
- Understanding of financial reporting processes and related controls
- Ability to understand financial data
- Good analytical capabilities
- Good verbal and written communication skills
- Multi-tasking and prioritisation of deliverables
Technical Competencies
- Excellent skills and knowledge of the Microsoft Suite (Outlook; Word; Excel; PowerPoint)
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Job Description
Accountability: Risk Management
- Ensure the Implementation of processes and controls to ensure Tax Reporting to the various tax authorities complies with local legislation.
- Ensure reporting to tax authorities is accurate thereby avoiding reputational risk to AGL.
- Ensure reporting is completed before deadline to avoid penalties being levied on AGL by tax authorities.
Accountability: Technical
- Responsible for the reporting of tax data for South Africa and ARO, covering IT3’s, DWT, WTI, FTCA and CRS
- Ensure that all Absa entities are reporting in full and accurately on all products that are reportable.
- Ensure all Absa entities report before deadlines.
- In the event of an inaccurate submission assist division(s) with remediation, communication and rectification.
- Minimise Client impact of incorrect submissions and liaise with SARS in this regard.
- Provide expert advice to all Absa entities on what products and services are reportable.
- Compile attestation schedules when required.
- Provide training, support and tax advice to divisions – as required.
- Maintain a good relationship with each division - attend meetings, refer division to appropriate advice team member if / when required.
- Maintain good relationships with SARS and Industry bodies.
- Attend industry and SARS meetings and workshops.
- Provide feedback and advice to SARS and Industry Bodies on practicality and legality of draft new reporting requirements.
- Check for new and upcoming reporting regulations and advise Absa entities of the impact of new reporting requirements.
- Advise IT on functionality required on all tax reporting platforms.
- Ensure all Absa legal entities comply with tax reporting requirements and legislation.
- Where relevant ensure all clients within ARO are remediated and reportable status is accurate and complete.
- Ensure all entities that should be registered with US IRS are complete.
- FATCA Alerts from OEDQ for remediation, distribute alerts to Business Units.
- Validate completed documents like W9 and W8ben-e, Template A.
- Classifying remediated alerts.
- Provide guidance to Business Unit regarding remediation.
- Clarify certain law aspect with relevant in-country responsible persons in conjunction with group tax.
- Responsible for ensuring there is up to date processes maps and documentation in place.
- Finding ways of improving the processes.
- Assisting Business Units complete input schema and provide an independent validation of the schema
- Facilitating attestation process and obtaining necessary sign off.
- Submitting report to the Authorities.
- Fix the file in case it rejects, respond to queries from authorities.
- Manage the submission of declaration to SARS.
Accountability: Management and Leadership
- Direct, manage and drive the performance of the team
- Responsible for leading the team with Line managers to achieve excellent business results through continuous people development and mentoring activities.
- Hands-on approach coupled with proactive leadership skills and the ability to delegate effectively.
- Together with Regional Head of FSSA, determine the people management strategy for the area with a focus on talent management, development, resourcing and retention.
- Ensure the development of a high-performing team through embedding formal Performance Development and informal coaching.
- Coach the management team on how to conduct meaningful Performance Development discussions with their direct reports and ensure that they conduct the process effectively.
- Manage a team to ensure a high level of client service.
- Determine and analyse training and development needs for managers and ensure they do the same for their teams. Ensure that identified training is budgeted for and executed.
- Establish and maintain a succession plan for the management team in the area using the formal Talent Management process for identified talent and an informal process for remaining roles.
- With the support from the HR Business Partner, interview and recruit direct reports and provide support to them during the recruitment of their teams on request.
- Ensure that managers create effective workforce plans and recruitment demand plans for their areas.
- Review requests from managers in the team for headcount changes. Recommend approve or decline of the request to the Regional Head of FSSA.
- Approve leave requests for direct reports and ensure that they manage the leave planning for their teams effectively.
- Act as second level escalation point for all grievances raised in the team.
- Review overall team performance and provide input to consistency check meetings.
- Ensure that all poor performance is addressed through the appropriate process and that continued poor performance is adequately dealt with. Review APA reports to determine effectiveness of interventions.
- Motivate employees in the department and ensure that their efforts are recognised.
- Develop appropriate Colleague Experience Survey (CES) action items together with the management team of the team and ensure that items are executed.
- Associated people management administration
Education and experience required:
- Bachelor of Commerce Degree or related qualification
- Post graduate qualification an added advantage
- Ability to work independently with little or no supervision
- 10 years post qualification experience in Financial Services Industry across Banking and other Financial Services
Knowledge and skills:
- Good working knowledge of corporate income tax, CGT, STC/dividends tax, VAT, PAYE, STT.
- Understanding of tax audits.
- Understanding of Financial Markets and Derivative instruments.
- Understanding of Double Tax Agreements and their application.
- Understanding of the direct and indirect tax regimes of other jurisdictions would be an advantage.
- Attention to detail.
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Job Description
- Providing customer service and support: Answer inbound calls and respond to written queries timeously. Managing all queries through to resolution ensuring that first call resolution is adhered to at all times. Resolve all complaints within agreed service level timeframes
- Strict adherence to risk and compliance: Authenticate existing and third party customers and meet security measures, also in accordance to the National Credit Act. Strictly adhere to all risk and governance policies and procedures
- Self-development: Owning and being proactive about own training and development
Education
- Further Education and Training Certificate (FETC): Business, Commerce and Management Studies (Required)
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Job Description
- Customer Service: Respond efficiently, accurately and courteously to all customer service matters, complaints, requests
- Support the development and maintenance of processes in Customer Services Centre: Adhere to all processes in the CMP Customer Services centre and identify opportunities to improve Client Servicing processes
- Monitor and control risk associated with the Customer: Ensure that all activities performed in providing Customer Services comply in all respects with Absa's risk and compliance policies and procedures as well as legal and regulatory requirements
- Stakeholder Management: Establish and maintain good professional relationships with relevant stakeholders so as to remain abreast of their needs and issues and respond rapidly and effectively
- Self-development: Owning and being proactive about own training and development
Education
- Further Education and Training Certificate (FETC): Business, Commerce and Management Studies (Required)
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Job Description
- Relationship Management: Establish and maintain professional relationships through networking with industry leaders, regulators and policy makers as well as business partners that are key in the development of new ventures
- Delivery Business Development: Champion and manage business bulk acquisition strategic plan in line with Absa Business unit strategy
- 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
- People Management: Coach, mentor and manage team members toward 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)
Method of Application
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