Latest Jobs at Absa

Job Summary

Optimise the profit and economic value of portfolios of Key Account clients with high growth potential and less complex commercial banking requirements by focusing:

•  Origination efforts to cross-sell to existing client base; and
•  Coverage efforts to service clients in accordance to the Key Account CVP

Job Description

Optimise the profit and economic value of portfolios of Key Account clients with high growth potential and less complex commercial banking requirements by focusing:

•  Origination efforts to cross-sell to existing client base; and
•  Coverage efforts to service clients in accordance to the Key Account CVP

Key Accountabilities:

• Drive Financial Targets 
• Identify and drive cross-sell opportunities by analysing available sales MI on VAPM and by using the engagements with clients at Service meetings.
• Make effective use of the client planning and solutioning tools (sales tools) to ensure in-depth understanding of client needs, in order to provide client base with the best solutions.
• Achieve cross-sell targets by actively participate in cross functional teams (including but not limited to Sector and Product specialists) to find client-centric solutions which must be formalised in strategic proposals and presented to clients in accordance to the distinct Client Value Proposition (CVP) for Key Accounts.
• Follow through on the lead generation identified by the Credit Analyst on cross-sell opportunities from analysis of client's financials, account conduct and industry change.
• Track and monitor the achievement of financial performance across portfolios by utilising the Sales Funnel and VAPM tools.
• Apply risk-based pricing for all new cross- sell opportunities and assist the RE with the pricing reviews in line with the RBB pricing policy
• Operate and position RB in a dynamic and highly competitive market place by interacting with all relevant stakeholders driving key initiatives to secure client retention and growth.
• Achieve sales targets relevant to the strategic initiatives and drivers of the Mid-Corporate Key Accounts segment.

Relationship and Service Management 

• Act as the second point of entry in the absence of the Relationship Executives.
• Actively develop strong advisory client relationships with key decision makers, utilising the networking skills of senior RB Executive where the opportunity arises.
• Conduct regular client visits in accordance with the Mid-Corporate Key Account Value Proposition to increase the number of clients where Absa has the primary transactional banker status, and initiate changes to RB Product by providing input into product development to better service our clients.
• Conduct After-sales visits with clients within a month of on-boarding to ensure effective sales and service delivery.
• Prepare holistic, comprehensive, high quality call reports for distribution to all relevant stakeholders and Credit Analyst to shorten the lead-time of credit applications.
• Make use of middle- and back-office support networks to ensure effective on-boarding and complete end-to-end service delivery.
• Maintain overall ownership for servicing the client on all matters related to cross-selling, by driving relevant internal support networks to ensure the complete end-to-end service delivery. Escalate on deviations from Internal Service Level Agreements (SLA's) to line management. Take ownership of client complaints that originate from the TB's area of responsibility and accountability and log on to the Client Compliment and Complaints system as per the prescribed policy and procedure guidelines. This will allow business to track actions to improve on service levels.
• Participate in Cross Functional Team meetings, which include the Relationship Executive, Credit Analyst, Segment Support Client Control Team, Client Service Consultant & Product & Sector teams, to ensure co-ordination of client engagement and service delivery to clients.

Manage Risk Assessment 

• Adhere to the bank's policies and procedures and ensure compliance.
• Take co-ownership of the portfolios risk management with Relationship Executives by ensuring a good understanding of both the Bank's and the clients regulatory and compliance environments.
• Responsible for the obtaining and scanning of all KAMLS and other on-boarding documentation.
• Ensure that all outstanding collateral conditions have been met.
• Apply appropriate solutions according to the risk profile and credit appetite within the industry.

Drive Team Work

• Co-operate and work well with others in the pursuit of organisational objectives and team goals.
• Attend team meetings and contribute fully, including suggestions for ways of improving customer service and meeting targets.
• Communicate concerns or challenges that derive from team interactions in a constructive and positive manner.
• Share information and make others aware of information that may be useful to them.
• Develop supportive relationships with colleagues and create a sense of team spirit.
• Develop and maintain contacts with Specialists in other areas of RB and the Group.

Self Development 

• Attend relevant economic environmental business forums to be able to raise client conversations to a strategic level.
• Subscribe to relevant segment specific initiatives and apply this knowledge to act on opportunities to maximise revenue and profitability.
• Take responsibility for personal learning to help develop pro-active career and life attitudes.
• Keep abreast of regulatory changes through regular training.
• Monitor available L&D courses to develop your own training whilst helping others in the team to develop theirs.
• Demonstrate the willingness and ability to perform to the very best levels to ensure personal alignment to ABSA's values and vision.

Competencies:

• Values Driven
• Digitally Empowered
• Customer Obsessed
• Exceptional Team Player
• Creative Problem Solving
• Drives Results
• Pan African Citizen

Minimum Requirements

• B-degree in (Commerce, Marketing or Finance) (NQF level 7)
• 5-8 years sales and financial experience in a commercial banking environment.
• At least five (5) years’ experience and knowledge on the dynamics of the market place and industries (global, regional and local)
• At least five (5) years’ experience in understanding and driving business and solution across divisional silos (e.g. segment, credit, product) and product silos’ and access wide set of products (e.g. FX, Trade Finance)
• At least five (5) years’ experience in analysing and evaluating complex company financials and other economic trends
• At least three (3) years in-depth experience and understanding of credit solutions - Internal networking / credibility
• At least three (3) years’ experience in structuring a good complex credit solution & guide the credit process with the required parties.
• Preference will be given to South African Citizens and Permanent residents of South Africa in possession of proof of permanent resident status.

General

• The appointment will be made in line with the Divisional Employment Equity strategy.
• There is no referral payment option with this requisition.

Education

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

go to method of application »

Job Summary

The main focus of this role is to build & maintain professional business relationships across a portfolio of clients by driving challenging sales and income targets, proactively acquiring new clients, solutioning existing clients with cross sell, campaigns and product utilisation and proactively managing and improving customer satisfaction and risk and compliance.
Job Description

The main focus of this role is to build & maintain professional business relationships across a portfolio of clients by driving challenging sales and income targets, proactively acquiring new clients, solutioning existing clients with cross sell, campaigns and product utilisation and proactively managing and improving customer satisfaction and risk and compliance.

Key Accountabilities:

• Income Growth and Financial Targets
• Driving income and sales targets by cross selling, upselling and acquiring new prospective clients
• Ensure dedicated relationships are maintained and grown by being the single point of entry via appointment based customer interaction as well as On-Site visitation.
• Create and maintain an annual client interaction management plan by planning on theClient management Program (CMP).
• Ensure the long term sustainability of the portfolio by establishing relationships with new clients and solution-based up-selling to existing clients.
• Create a pipeline of new business by working on leads generation initiatives with Retail, existing client base and within the Business growth section of RB.
• Make effective use of the client planning and solutioning tools (Sales tools) for the top 30% of the portfolio to ensure in-depth understanding of client needs, in order to provide clients with the best possible solutions.
• Achieve new business and up-selling sales targets by pro-actively driving cross functional teams (including but not limited to Sector and Product specialists) to find client-centric solutions which must be formalised in strategic proposals and presented to clients in accordance to the distinct Client Value Proposition (CVP) for Enterprise Accounts. Achieve customer satisfaction targets within the assigned portfolio by improving customer satisfaction standards by providing solutions such as Notify Me, E-Pin, Business Advantage, etc.
• Develop and demonstrate a deep understanding of the regional market trends and business lifecycle challenges.
• Track and monitor the financial performance of the portfolio by utilising the scorecard and Customer Management Portal (CMP).
• Use Magic Matrix as a guiding tool to ensure cross selling and up selling happens in the portfolio to grow the book.
• Apply risk-based pricing for all new sales and pricing reviews in line with standard pricing and fee structures/guidelines and applications. Negotiated pricing by exception ,based on existing concession model.
• Operate and position RB Enterprise Banking in a dynamic and highly competitive market place by interacting with all relevant stakeholders and driving key initiatives to secure customer retention and growth.
• Achieve sales targets relevant to the strategic initiatives and drivers of the Enterprise Business accounts segment.
• Focus on customer graduation to more customer focused and appropriate value proposition, upgrading the customer to the RB Business/Commercial cost to serve value proposition.
• Internal and Client Relationship Management
• Actively drive acquisition initiatives through pro-active re-engagement processes supported by Enterprise Banking campaign initiatives.
• Conduct regular client visits in accordance with the Enterprise Business Value Proposition and initiate changes to RB Product by providing input into product development to better service the customers.
• Own the primary relationship with the client by being the only point of entry to the client and ensure the portfolio is serviced appropriately.
• Pro-actively educate the customers of the new operating model and value proposition that RB offer.
• Make use of middle and back-office support networks to ensure effective on-boarding and complete end-to-end service delivery.
• Maintain overall ownership for servicing the client on operational matters by driving relevant internal support networks such as the Business Support Centre.
• Take ownership of client complaints that originate from the RE's area of responsibility and accountability and log on to the Client Compliment and Complaints system as per the prescribed policy and procedure guidelines. This will allow business to track actions to improve on service levels. Conduct client visits and maintain a client visitation plan to improve Customer Service.
• Participate in the Internal Customer Surveys held between Enterprise and Retail, Credit Lending, Middle Office and Global Banking Products to ensure the internal relationships are improved, built and value is extracted from these relationships.
• Analyse the Customer satisfaction Management (CSM) and Real Time CustomerSurveys (RTCS) to ensure that customer service is improved on an ongoing basis.
• Communicate and implement any actions to improve service following client feedback and/or complaints to all relevant parties within the bank.
• Work closely with Enterprise Business Support Centre, responding to complex service requests and complaints for customers.
• Work pro-actively with colleagues across the Group to support the growth of lead generation by introducing and working with relevant Group Specialists such as Agri Specialist, Commercial Property Finance Consultant, Khula, SME Specialist, etc.
• Promote alternative delivery channels to clients.
• Take responsibility for meeting challenging individual and team value targets.
• Provide support to the Sales Manager Enterprise Business and other team members where assigned (including coaching).
• Stay abreast of new industry developments and clients' market position.

Manage Risk Assessment

• Understand and apply the relevant governance and compliance procedures to activities undertaken and maintain ongoing completion of relevant governance and compliance training; e.g. NCA, FAIS and Competition Commission.
• Maintain customer records and accurate completion of applications and paperwork by capturing customer information on Appointment Manager and Customer Management Portal.
• 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.
• Manage the Not Fit For Processing listings for the KAMLS ensuring that error rates on submissions to Middle office for 2nd tier checking of all KAMLS documents are at a minimum. Manage dormant accounts ensuring clients activate accounts or close accounts if no longer required
• Take ownership for obtaining and scanning of all KAMLS (Know your Customers and Anti Money Laundering) and other on-boarding documentation relevant to the customer (New and Existing customers).
• Ensure that all outstanding collateral conditions and conditions of credit grant are met
• Pro-actively manage customer credit reviews with assistance of Review Manager in order to mitigate possible credit risk and/ customer dissatisfaction due to credit limits not being renewed.
• Manage high risk customers by reviewing their accounts as per the Review Manager and negotiate reduction on facilities as per the review policy guidelines.
• Apply appropriate solutions according to the risk profile and credit appetite within the industry.

Competencies:

• Values Driven
• Digitally Empowered
• Customer Obsessed
• Exceptional Team Player
• Creative Problem Solving
• Drives Results
• Pan African Citizen

Minimum Requirements

• NQF level 7 or equivalent B Degree in commerce/ marketing/finance
• At least 5 years of sales and relationship banking experience in a Commercial Banking environment.
• Preference will be given to South African Citizens and Permanent residents of South Africa in possession of proof of permanent resident status.

General

• The appointment will be made in line with the Divisional Employment Equity strategy.
• There is no referral payment option with this requisition.

Education

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

go to method of application »

Job Summary

Apply critical thinking & problem solving skills to contribute to all phases of the development lifecycle & quickly produce well-organised, optimized, and documented source code to deliver high-performing, scalable, enterprise-grade applications.
Job Description

DevOps

• Apply critical thinking, design thinking and problem solving skills in an agile team environment to solve technical problems (Front End, Back End OR Middleware) with high quality solutions
• Contribute to all phases of the development lifecycle including
• Evaluate analysis, problem definition, business requirements, solution development & provide recommendations to enable the operational feasibility of solutions
• Quickly produce well-organised, optimized, and documented source code to deliver technical solutions
• Ensure designs & solutions support the technical organisation principles of self-service, repeatability, testability, scalability & resilience
• Apply general design patterns and paradigms to deliver technical solutions
• Support the development of CI / CD Pipelines (authoring & supporting CI/CD pipelines in Jenkins / similar tools and deploying to multi-site Kubernetes environments – supporting and managing your applications all the way to production)
• Use & configure modern observability techniques leveraging e.g. aggregated logging via ELK stack, metrics via Prometheus / Grafana / NewRElic and tracing using Zipkin/Jaeger
• Automate tasks through appropriate tools and scripting e.g. Jenkins, Docker, Ansible, Kubernetes
• Debug existing source code and polish feature sets.
• Work with integrated teams and other developers to improve and evolve technical products and services
• Align all application development & development process to Group Architecture & Infrastructure guidelines
• Provide input into project & program teams (when required) to plan & manage the development lifecycle e.g. releases, risk management, testing, integration etc.
• Conduct reviews, performance monitoring & ongoing optimization and maintenance on applications
• Stay ahead of the curve on emerging technologies and development practices and continuously evolve existing knowledge & skill in preparation for cross domain and other experiences e.g. Secure Side, Testing, Infrastructure solutions etc.
• People
• Conduct peer reviews, testing, problem solving within and across the broader team
• Support the people change teams in the development of user material (Customer, Employee & 3rd Party Adoption)
• Risk & Governance
• Identify technical risks and mitigate these (pre, during & post release)
• Update / Design all application documentation aligned to the organization technical standards and risk / governance frameworks
• Participate in incident management & DR activity – applying critical thinking, problem solving & technical expertise to get to the bottom of major incidents

Education

• Bachelor's Degree: Information Technology

go to method of application »

Job Summary

To Support the credit risk process through carrying out comprehensive and quality credit risk functions within the credit lifecycle to create shared growth within the boundaries of internal policies and external regulations.

Join the Cheques (Collections) within Absa RBB where you will be responsible for developing Retail Credit Risk Collections strategies by using data analysis and predictive modelling techniques. You will in addition be responsible for developing, monitoring and tracking management information (MI) of strategies and developing reports to highlight trends to management within the Portfolio.
Job Description

Risk Management:

• To conduct quality credit risk assessments and reviews,
• Proactively manage credit risks associated with clients,
• Develop data driven strategies, facilitate the credit sanctioning process to ensure responsible risk decisions |
• Data and Systems Management:
• To produce and analyse relevant management information and insights management |

Governance:

• Ensure the bank's credit, philosophy and all relevant legislation is adhered to |

Customer Management:

• Investigate and resolve all escalated customer complaints |

Strategy management:

• Using data analytics to build and present business cases to different stakeholders for approvals,
• Work with the Impairments team for purposes of forecasting,
• Engage with different IT teams to ensure successful implementation of the new strategies or amendments to the existing strategies,
• Design and review best-practice MI reporting for daily and monthly distribution to all stakeholders concerned|

Education and Experience Required:

• B Degree in Business or Mathematics or Statistics or Operational Research or Industrial Engineering or Risk Management or similar,
• 3 years’ experience in data analysis utilizing a standard statistical package such as SAS for manipulation of large data sets,
• 2-5 years Credit Risk experience,
• Advanced computer literacy especially the Microsoft Office suite of programmes (MS Word, MS Excel, MS PowerPoint) |
• Education: Bachelor`s Degrees and Advanced Diplomas: Business, Commerce and Management Studies 

Education

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