Recruitment Postings at Absa Group Limited (Absa)

Job Description

Planning and Growth

• Accountable for achievement of sales performance objectives in terms of sales target achievement for Bulk Acquisition Sales, in the B2C environment.
• Deliver sales and service delivery targets within the assigned areas of responsibility.
• Collaborate on sales opportunity leads across business disciplines (RB, CIB, Physical Channels).
• Robust proactive calendar management of activities that speak to sales enablement.
• Take Accountability for end-to-end fulfilment of sales execution within prescribed sales standards, and actively drive scheme penetration for EVP Schemes to deliver on sales and service targets for the region.
• Achieve Strike Rates (Digital, Rewards AFS).
• In conjunction with ES RM/TL, proactively devise weekly plans and activities for Mobile vehicles to drive sales growth.
• Proactively identify cross sell opportunities partnering with colleagues to deliver these effectively in the assigned area.
• Actively monitor, and take accountability, for own sales and service performance across the region and proactively identify opportunities to improve sales and service delivery or enlist coaching and support where necessary to do so.
• Leads Management – proactive utilization and conversion of assigned leads
• Provide relevant and insightful feedback to product and performance teams on initiative mechanics and client feedback to drive enhancements in sales and service.
• Effective sales execution planning (activities, time management, resources, travel etc.).
• Strategic Time Management: apply and reflect on time management plan.

Event booking for the Mobile Vehicle – BOM/BOV

• Manage the booking of the vehicle from external stakeholders (external business clients) as well as internal stakeholders (e.g., Group Marketing/ events teams across the various BU’s.).
• Completes the request form related to the event scheduled by the client and ensures that bookings are confirmed and coordinated according to the required processes and standards.
• Requests the registered security company to avail themselves for the event where the vehicle will be utilized.
• Responsible for booking of cash for the ATM prior to the event and ensure that the relevant service provider will be on site on the day of the event to load and off load the ATM on site.
• Ensure that the event booking schedule is available and accessible to management at all times.

Preparation for Site visits 

• Coordinates a site visit with the registered security company before the date of event to ensure that the venue complies to related security requirements in terms of the parking of the vehicle.
• Drives the vehicle to the site where the event will take place in order to establish effective network coverage as required for the vehicle to be functional before the day of the event.

Vehicle Management - BOM/BOV

• Managing the vehicle to, from and at the event.
• Manage the ATM cash on the day of the event by engaging with the relevant service provider for cash pick-up and reloading the ATM in the vehicle, if required.
• Supports and coordinates, together with the relevant service provider for the required loading and pick-up of cash and ensures that this process takes place efficiently.
• Provide a secondary technical support service related to the equipment in the vehicle.
• Responsible for hosting and facilitation of onsite activities such as setting up of the vehicle at the event, assisting with basic customer queries and ensuring that all the required emergency and business contact details are accessible in the vehicle.
• Act as a Brand Ambassador in all client and business activities in a professional manner and in line with the nature of the event.
• Adhere to all processes and procedures related to any incident that the vehicle may be involved in.

Maintenance of the vehicle (BOM/BOV)

• Responsible for fueling of vehicle and manage fuel payments and supporting reconciliations timeously.
• Resolve minor problems related to the vehicle or reports problems that requires resolution by a third party to the relevant stakeholders.
• Responsible for testing that the ATM on the vehicle is fully functional.
• Test the tracker and reports claims to the line manager.
• Responsible for general administration related to the vehicle e.g., license renewal, insurance and commercial broadcasting license.
• Responsible for on-board assets of the vehicle e.g., music system, marketing merchandising, desktops and generators, and ensuring that these assets are fully functional.
• Deploys, assists with set-up and maintains the vehicle equipment at the event.
• Reports all faulty equipment and risk related incidents.
• Responsible for adhering to the service level agreement with regards to claims and faulty equipment.
• Adherence to the Health and Safety policy.

Route planning 

• Plan the route of the event by using the GPS unit available in the vehicle.
• Complete the pre-departure checklist.
• Adhere to all road related governance and the Traffic Act.

Customer and Stakeholder Management

• Accountable to effectively transport and manage event booking for the BOM/BOV vehicle to ensure seamless stakeholder experience
• Jointly responsible for managing the customer experience of the BOM/BOV through:
• IPSOS Scores
• VOC, EASE, Overall Satisfaction (min 90%)
• CCD Complaints management
• Proactive understanding and assessment of customer segment to support sales and activity planning and sales.

Colleague

Accountable to effectively manage the vehicle to and from the event. This includes, but is not limited to:

• Vehicle service and maintenance (BOM/BOV)
• Delivery of all sales and service requirements when the vehicle is onsite
• Responsible for end-to-end set-up and maintenance of all Sales Kits and marketing collateral within the BOM/BOV vehicle
• Multi-Role Proficiency (Mandatory Training).
• Support the team at activations with Digital & Rewards activation.
• Achieving Digital Sales Targets and support the regions migration targets through:
• Increasing the levels of Cash deposits being migrated to Devices. (Referral to CADs).
• Increasing the growth in the customer base becoming digitally active (QR Code).
• Digital Strike rate achievement and Digital Master Class Compliance.
• Live the Absa Values and support colleague engagement through positive and collaborative team behavior.

Risk and Regulatory Management

• Ensure all policies and procedural, regulatory and compliance requirements are fully adhered to, in order to facilitate acceptable Management assurance reviews.
• Ensure External Sales objectives met through:
• Issue of Card on Pin Mailers.
• Coding of EVP, RB & Hybrid Customers.
• Effective management of personal device and allocation thereof.
• Achieve First Time Pass Rate targets within SLA.
• Ensure the effective use and management of devices and resources availed to execute role requirements. (E2E Mobility device & accessories, marketing collateral etc. Including systems & software updates.).
• Ensure appropriate product and service solutions are provided to customers through quality consultations e.g., no mis-selling.
• Apply effective governance & controls in execution of sales (quality documentation etc.) of sales and service delivery for the portfolio.
• Keep updated on all regulatory requirements and changes in business and apply appropriate requirements and sales standards/practices.
• Devise and apply accurate reporting to support sales planning and activities.

Education

• Further Education and Training Certificate (FETC): Business, Commerce and Management Studies (Required)

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Key accountabilities 

Accountability:  Branch Control Effectiveness

• Proactively manage the key General Ledger accounts including the investigation, rectification of unauthorized / incorrect entries and monthly reconciliation.
• Act as the independent control function for all functional and operational mandates and key / pin / access codes in line with Policy.
• Ensure and act as the primary coordinator regarding the execution/implementation of all operational risk and resilience related activities and standard operating procedures within the branch, i.e. Occupational Health and Safety, Business Continuity Management, Security Incident Management Plans, Robbery Contingency Plans, etc.
• Attest to key risk / management controls, via the various systems / platforms i.e. OMS.
• Perform / assist with independent / surprise / regulatory checks across the various key activities (i.e. cash counts, stock checks, etc.).
• Take full responsibility for all assigned tasks related to nominated “champion” and equipment testing / Safe Custody, alarm testing and adhoc functions as required.
• Ensure the branch colleagues are fully aware of all critical communications / policies and procedures published via bulletins, circulars and make sure that they implement/action accordingly.
• Proactively supports the Branch Manager and branch colleagues on fraud / syndicate awareness and loss prevention.
• Monitor trends, identify gaps and provide suggestions/interventions to improve trends on all Fraud and Operational Loss matters.
• Identify and address the overall needs of the branch in terms of improvements that are of priority.
• Ensure all cash management, self-service device controls are implemented and effectively monitored as per Policy and/or standard operating procedure.
• Identify gaps in the skill levels and knowledge areas pertaining to operations, compliance and operational processes and procedures and coach, mentor or train relevant staff to close gaps.
• Continuously evaluate and ensure content of training material/s are accurate and up to date and escalate appropriately if gaps are identified.
• Discuss “common errors” report with branches to ensure shared understanding of shortcomings, collaborate to identify root cause and put plans in place to eradicate errors on a sustainable basis.
• Provide Branch leadership with an update on all identified risks and controls ensuring a level of comfort through effective risk management.
• Conduct Control Effectiveness Assessments (CEA) as required and report on trends, overall status and collaborate with and enable outlet staff to close any gaps identified.
• Facilitate and support corrective actions on Management Assurance Review (and other assurance provider) findings.
• Track, monitor and control the closing of all open CEA and Assurance findings.
• Compliance / Product / Regulatory Training – Ensure the staff complete the required training by the stipulated timelines.
• Management/Exception Control Listings – Extract, scrutinize and action as per laid down procedures i.e. Same day pass rate, high risk transactions, fee waivers, etc.
• Operations Management System (OMS) - The key controls need to be assessed based on whether they are working as intended or suitable for the purpose they are designed for.  For any ineffective or lapse in the controls, remedial action needs to be taken and tracked until closure via OMS.

Accountability:  Branch Operations

• Software Releases – Keep abreast of up and coming system enhancements/production fixes, ensure that the quick reference guide is socialized with the colleagues and fully embedded.
• Ensure all branch security requirements are fully functional and coordinate all related support activities and controls, e.g. DVR.
• Align and implement physical security minimum standards as identified by Africa Security.
• Act as the entry point for all 3rd Party Vendors inclusive of tracking and managing of all service calls logged for software and hardware faults (i.e. CRES, IT, Provincial Offices, etc.).
• Ensure that the services provided by internal business units / processing centres / 3rd Party vendors are delivered as per the service level agreements.
• Initiate and implement cost-saving initiatives for example replacing of old equipment, monitoring of the cost of equipment and highlighting to line managers where costs are out of line.
• Validate the legality of all payments and journals by ensuring that the invoices are correct and has been authorised by the stipulated mandated officials.
• Be a Change Agent and ensure old behaviours or practices are replaced and in line with new requirements.
• Drive a culture of proactive risk and compliance management within the branch by clear communication, information sharing sessions and regular monitoring to ensure that the staff understand their responsibilities.
• Support Line Management with coaching of new staff on operational processes, systems, devices, risk and compliance.
• Analyse and monitor the overall risk management process for the branch through proactively identifying and reporting trends, recommending remedial action where appropriate.
• Responsible for reporting risk profile, RCA and actions for escalation to Regional risk forum.
• Ensure a sound risk and control environment is maintained within all SBUs in the branch.
• Create, Maintain user profiles as and when required and ensure alignment to the paper mandate and standard guidelines.
• Enforce and maintain appropriate segregation of duties between roles, functions and system capabilities as part mandate and user access management.

Accountability:  Branch Support

• Coordinate and arrange all requests for system access business equipment (e.g. computer, laptop, cellphone, 3G and desk phone) for new recruits and recovery and contract cancellations for employees exiting or moving (where appropriate) within the organization.
• Establish, update and maintain a branch infrastructure record.
• Responsible for the co-ordination and fitting arrangements related to all Corporate Wear activities.
• Manage the stationery supplies and order levels appropriately for the branch and ensure controlled distribution.
• Where applicable, acts as the back up to the Branch Manager in smaller branches.
• Engage and partner with Branch Manager to close any procedural, capacity gaps and/or process/control failures identified in branches.
• Attend morning Imbizo’s, relevant meetings and actively engage on branch operational performance.
• Gather and analyse data, monitor trends and provide advice and/or solutions to Branch Manager.
• Make recommendations to branch/outlet Manager and put plans in place to ensure optimal capacity management and control.
• Act as the branch subject matter expert (SME) on all branch controls and operations by supporting branch management via Colleague coaching.
• Support Business Support team with tracking of system enhancements (new/upgrades) and ensure problems are logged, escalated to the relevant stakeholders and monitored until completion.
• Ensure branch readiness for system upgrades during software release windows (e.g. all device
• to remain on overnight, ensure software appropriately update, escalate failures, etc)
• Acts as the Center of Excellence (CoE) in the branch in terms of business risk and assurance requirements, ensuring alignment of new/revised processes, procedures and controls.
• Engage effectively with peers to ensure that the best practices from other branches are being taken into consideration and implemented.

Education

• Higher Certificate: Banking, National Senior Certificate/ Matric (Grade 12)

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Job Description

Investigations:

• Investigate all theft, fraud and corruption cases allocated, end to end by ensuring that all investigative/operative methodologies and standards (e.g. planning, reporting) are adhered to within prescribed time limits
• Compile a comprehensive case report containing the factual findings of the investigation, recommendations addressing people, processes, procedures and system failures or internal and external threats and forward the final report to Stakeholders.
• Provide relevant findings and evidence for the use in disciplinary purposes and CCMA matters to Line Management and Employee Relations to ensure that appropriate and successful sanctions are handed down. Attend disciplinary / CCMA hearings when required.
• Attend criminal / civil court proceedings when summons to do so, to provide expert evidence in Court, relating to Absa's products, processes and flow of transactions to obtain successful prosecutions.

Risk Identification and Fraud Prevention:

• Identify fraud risks or emerging risks during the course of an investigation or interactions with internal and external stakeholders, escalated upon discovery, to the relevant business unit and the Fraud Defence/Strategy Recoveries and Remediation Department for assessment and closing of gaps related to processes, policies and systems.
• Conduct a proper risk assessment with each investigation, which includes quantification of the loss, insurance claims, media impact / exposure, blocking accounts, claims, provisions, risk mitigation and compliance reporting,
• Ombudsman queries and engaging with Group Legal Services etc. Identify high-risk Business areas, through feedback received from parties attending risk forums / investigations outcomes and perform specific fraud awareness presentations at the respective Business Units to the identified staff.
• Inform Heads of Business via e-mail of new trends / scams identified with further escalation to Stakeholders and Business Units for further actions.

Operational Requirements and Compliance:

• Identify areas of improvement, make suggestions/recommendations on ways of working, concerning the investigative and operating methodologies, to line management, for further consideration, to improve standards and workflow.
• Adhere and comply with the Group policies and procedures as set out on the Absa Intranet i.e. attestations, compulsory compliance training, via the Absa Learning system. Work co-operatively with colleagues, contributing positively and constructively to the achievement of the organizations’ objectives.

Stakeholder Management:

• Develop and maintain relationships (establish relevant networks) with all internal and external stakeholders such as however not limited to (Absa Business Units, SAPS, other Banks, SARS etc..) to ensure that their co-operation can be obtained when required for key operations (e.g. recovery actions, data mining). Interact with counterparts in the industry to share information, gain an understanding of the threats and risks and to ultimately keep abreast of changes in the field and in the industry.
• Actively participate in regular meetings with stakeholder / business, providing meaningful input and sharing information on best practices / investigation findings /risk identifications etc.

Education

• Bachelor`s Degrees and Advanced Diplomas: Law, Military Science and Security (Required)

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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

Education

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

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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

Education

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

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Job Description

Strategy & Business Planning Support

• Leverage business area knowledge & expertise to design & package outputs related to all strategy & business planning processes including reviews for multiple stakeholder groups
• Support the Tribe Support lead in the design and planning of all Strategy & Business Planning Processes
• Support the coordination of business planning & business performance review processes including e.g. venue, agenda’s, output management, input management
• Collate & coordinate business performance review trackers & reporting (monthly, quarterly, annually)
• Create a document / knowledge management system for all business planning processes (reports, reviews, decks, processes, templates etc.) for ongoing continuous improvement
• Communications
• Develop & implement an integrated communications plan for the business area
• Work in collaboration with various functional leads to design & draft multiple communications (multi media campaigns e.g. townhalls, newsletters, leader one on ones, leader key messages, leader story telling / narrative etc.) aligned to the communications plan across the estate (customers & employee orientated communications)
• Lead the activation of all communication processes across the estate
• Evaluate and continuously improve the impact of communications processes across the estate
• Ensure strong communications & change management alignment across the estate
• Stay ahead of best practice on estate wide communications & communications trends (e.g. digitized communications, graphic illustration etc.)

Resource & Delivery Management

• Consolidate project deliverables and interdependencies across tribes
• Identify release & delivery risks across tribes
• Act as a point of escalation & resolution for Scrum Masters as required in respect to delivery risk
• Coordinate appropriate delivery & release communications across tribes and squads where required
• Manage & track the integrated resource plan across identified tribes & squads
• Identify resource implications & mitigate against these based on delivery requirements across tribes and squads (contingency, leave etc.)
• Manage & update resource management systems across identified tribes and squads
• In partnership with the People function & Line, successfully manage the resourcing process for tribes and squads

People & Change Management

• Coordinate large scale change programs across the estate
• Act as change coach & mentor across the business areas (small, medium & large scale)
• Develop change management plans for all planned change orientated activity (across the value chain e.g. suppliers, employees, customers etc.)
• In partnership with the functional leads and the people function, design & facilitate strategic change processes for the continued transformation of the business area
• Support all the people value chain processes including but not limited to: Resourcing, Development, Performance, Talent
• Support includes but is not limited to: Coordination of various people process inputs by tribe leaders, scrum masters and broader squad team members, identification of people risks, consolidation & tracking of plans & insights, coaching & mentoring, team problem solving (leveraging design thinking)
• Financial, Risk & Governance Process Coordination
• Support the implementation & management of financial, risk & governance processes for the business area e.g. budget management & reporting, internal / external, audit implementation & project management
• Lead the project management of various risk, finance & governance processes & issues resolution e.g. audit finding closure, governance / risk forum meetings, minutes and administration etc.
• Act as a point of escalation for all payments / other financial processing for the area and or facilitate payments processing with Key Centres of Enablement (where required to do so)
• Maintain & communicate policies and procedures related to all financial, risk & governance processes across the estate & proactively monitor compliance

Reporting & Analytics

• Act as the custodian for all reporting & analytics tools across tribes and squads
• Develop & standardize appropriate reporting & analytics tools for multiple stakeholder groups
• Coordinate and complete all reporting (monthly, quarterly, annually)
• Leverage reporting to drive insights and strategic action across the business

Design Thinking & Ideation

• Evaluate existing organization wide business processes for continuous improvement and suggest changes (e.g. automation opportunities etc.)
• Lead the process engineering efforts across the business area (policies, practices)
• Design design thinking & ideation workshops, incubators and accelerators on behalf of the business leaders
• Lead and facilitate design thinking and ideation processes across the estate
• Stay ahead of design thinking practices as well as business specific knowledge to enable relevant and outcomes based design thinking outputs

Education

• Bachelor's Degree: Information Technology

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Key Responsibilities

Accountability: Audit Delivery and Issue Validations

• Plan the delivery of assigned audits to a high quality and in line IA methodology, including adequate resource scheduling, meeting key deliverables in terms of audit timelines and review of audit work to confirm that the minimum requirements as per methodology and scope of the review are met to mitigate audit risk.
• Develop a detailed knowledge of the IA methodology by attending training sessions to ensure that approved audits are risk focused.
• Act as a mentor for auditors and peers to provide guidance/on the job coaching to ensure that their work adheres to expected quality standards.
• Contribute to annual planning, this will include identifying auditable entities, assessing the audit needs assessment and preparing all Management Information reports required, and propose relevant impactful audits linked to Strategy and Risk/control profile of EB.
• Management of the following: Audit universe, auditable entities, audit delivery, people development and stakeholder management on each audit and during business monitoring.
• Manage audits and Issue Validations within Key Performance timelines and resource budget.
• Proactively provide on-the-job training to the audit team including AuditBond (AB) and confirm through inspection of the audit work that the results of audit work and issue validations are completed, updated and approved as required by the IA methodology.
• Develop testing strategies for key controls during the audit/issue validations to adequately mitigate the risks – Planning deliverables, RACM, APD etc.
• Manage the delegation and execution of Design Effectiveness Testing (DEA) and Operational Effectiveness Testing (OET) of the audit team in line with methodology requirements. Review the DEA and OET working papers of controls tested and provide coaching notes to the team.
• Engage with management and auditors on progress of audit and to provide regular feedback on issues identified where the control has failed either at a DEA or OET level.
• Engage with Centres of Excellences (COEs) during the fieldwork stage and give oversight to COE colleagues working on the audit assignment. Technical assistance may include the review of key risks and controls, review of working papers, audit issues and audit reports.
• Ensure all audit observations and planned actions are factually agreed with management as soon as they arise agile auditing principles and display professional scepticism, raising and discussing contentious observations with management and provide evidence to support all issues identified. Review management action plans to confirm that the identified risks associated to the control failure will adequately mitigate the risks. Actions plans are to be specific, measurable, timely, achievable and realistic.
• Deliver high quality audit reports, aligned to the IA methodology which include all significant issues identified in the audit.

Accountability: Reporting 

• Assess, challenge and monitor and prepare high quality, relevant and insightful reporting for risk committees in EB and Group wide. Include audit delivery, issue validations, business monitoring insights and key MI relating to open/overdue/reopened audit issues etc, drivers for our CE and MCA assessments, emerging/watching brief risks. Ensure data integrity and factual accuracy of report prior to submission to EL/PH for review.
• Review and check and challenge first and second line of defense reporting on the CE and MCA.
• Strong collaboration with the CoE counterparts to derive insights for impactful reporting.

Accountability: Audit Planning 

• Actively participate and provide high quality, relevant and impactful audits for EB in the annual audit planning process. Manage and facilitate the planning deliverables and interlocks with the wider IA teams, as required by the COO IA team for EB.
• Report progress on Combined Assurance testing performed by IA, closely monitor EB Combined assurance strategy/progress, and actively participate in the combined assurance forum.

Accountability: Management & Leadership

• Provide thought leadership and input into the strategy for the EB IA Team.
• Actively play a senior role in the EB Management Committees and develop and maintain relationships with key stakeholders during audits and business monitoring activities. Present effectively at stakeholder meetings and forums to share knowledge and information including methodology, standards, changes and new developments with business stakeholders on an ongoing basis.
• Engage proactively with the wider Internal Audit colleagues and request technical assistance where required from the Centres of Excellence during audits, business monitoring, reporting, planning etc.
• Mentor and coach less experienced team members by providing guidance around the methodology, audit process and the EB business.
• Support IA management team to identify, attract, develop and retain talent on an on-going basis and in measuring productivity and growth of staff by ensuring that Evaluation Forms are maintained for all audits and regular performance feedback to staff throughout the year, recognizing strengths and comprehensive development and training plans for key development areas identified.
• Develop a high performing team by embedding formal performance development and informal coaching. Encourage frequent knowledge sharing between team members. Establish and maintain a succession plan for the team. Participate in the interview and recruitment of new members for the team.
• Execute on all people management responsibilities, e.g. leave, training, PD’s, monitoring timesheets etc.

Accountability: Knowledge Management

• Improve technical knowledge and ongoing learning, specific training including mandatory continuous Professional Education requirements.
• Share knowledge in area of responsibility with the team to ensure that audit activities are planned effectively and completed in line with quality standards and audit methodology.
• Present effectively at stakeholder meetings and forums (e.g. Risk and Governance Forums etc.) by sharing knowledge and information, including methodology, standards, changes and new developments, with business stakeholders on an ongoing basis.
• Working with colleagues in Business Units to provide requisite expertise in key areas where specific specialist knowledge is required to deliver appropriate, value-added assurance.

Minimum Requirements

• B Degree (Internal Audit, Commercial, Informatics, Statistics)
• B Degree Honours (Internal Audit, Commercial, Informatics, Statistics)
• CIA, CA (SA), CISA or relevant qualification
• Relevant banking industry qualification (e.g. SA Institute of Bankers)

Essential:

• 5 years’ experience in Internal/External audit or commensurate experience in a major financial institution or Big 4 audit firm
• 5 years’ experience in risk based auditing or risk/control activities.
• 3 years’ experience of managing a team

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Job Description

• Business Planning, Business Performance Monitoring & Revenue Generation: Business Planning, Business Performance Monitoring & Revenue Generation 
• Leading the commercial, sales and service agenda for the branch: Leading the commercial, sales and service agenda for the branch (as part of a broader area); &
• Owning and delivering on all performance targets for the allocated branch (end to end accountability across scorecard
• elements) 
• Customer Experience and Service: : Proactively manage and build relationships to enhance the Absa Brand in the area as well as 
• Managing cost & efficiencies: : Apply effective & balanced cost management practices that ensures sales & service
• standards are within benchmark & aligned to best practice

Education

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

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Job Description

Risk Management:

• Providing subject matter expertise to risk types in accordance with Enterprise Risk Management Framework (ERMF).
• Responsible for development and coordination of risk management programmes and ensures that risk management programmes are designed to identify risk exposures at a process level and perform a risk and control self-assessment to determine the residual risk which must be controlled by means of internal control measures. 
• Providing management with accurate risk information for effective decision-making on internal controls
• Facilitate the identification, assessment and relevant mitigation of operational risk in line with Enterprise Risk Management Framework (ERMF) and ensure alignment with the risk and control library.
• Ensure that key risks and controls are identified, documented and assessed regularly in line with Critical Process Assessment (CPA), Management Control Assessment (MCA), Risk and Control Self-Assessment (RCSA) standards and policies.
• Identify, assess and report key risks arising from significant events, investigations, and audit, material and control issues.
• Identify control gaps in processes and recommend remedial actions.
• Develop and recommend appropriate Key Risk Indicators (KRIs) if relevant (including the revision of thresholds when required).
• Keep appropriate risk management system(s) up-to-date with all ORMF components: Risk Events, Issues, Actions and etc.
• Analyse and investigate the causes for operational events/ breakdowns, ensuring that operational events are adequately addressed with both a long -term sustainable solution and interim mitigating controls.
• Develop strategic and tactical responses with management to address risk exposures.
• Ensure the business continuity plan is updated and tested.
• Provide input into risk policies, strategies and measurement methodologies.
• Drive the value of risk awareness for the team through formal and informal training as may be required.
• Challenge BU management to drive prioritisation and mitigation of key risks.
• Monitor both internal and external environments in order to identify emerging risks, trends and best practices and report timeously to relevant business stakeholders.
• Assist in reviewing business initiatives and proposals, including new, amendment, review of products.  

Governance and Reporting

• Source information and compile the risk reports and ensure data quality and accuracy of reporting on an ongoing basis.
• Prepare the risk profile reporting for the relevant stakeholders/committees.
• Ensure minutes, action log and decision log for Risk meetings are clearly articulated and completed, adopted as set-out in the Terms of Reference.
• Ensure that the Central Action Tracker is up to date and feedback on progress obtained on regular intervals.  Escalate any actions that may possibly go overdue as indicated by management.
• Complete the monthly Risk Events Reconciliation, Management Control Assessment (MCA), Risk Events and Issue Trackers, Risk Self-Assessments and ensure supporting evidence is provided. 
• Ensure mandatory escalation required by Operational Risk Management Framework (ORMF) is performed. (Losses above threshold, indicators above threshold)
• Provide updated feedback to relevant governance committees on progress of significant items.
• Ensure adherence to all applicable policies, standards, frameworks, procedures and regulations.
• Facilitate and co-ordinate the integration of the business related risk requirements into the broader governance structures, and ensuring the evidencing of Principal Risk and Key risk-related decisions
• Log and report operational risk framework components onto the operational risk system and to the various committees.
• Monitor completion of mandatory training completion and follow up where necessary.
• Facilitate tabling of business initiatives and proposals, including new, amendment, review of products at respective governance structures.
• Management Assurance / Internal Audit / External Audit Engagement
• Develop the Assurance Plan through consultation with the respective Savings and Investments management team and various assurance providers across the three lines of defence. Conduct 1LOD risk and processes assurance review in alignment with the combined assurance plans
• Plan the delivery of assigned assurances to a high quality and in line with Assurance Standard.
• Prepare announcement and scoping memos with key deliverables in terms of assurance timelines.
• Conduct walkthroughs to understand the area under review and risks inherent in the processes.
• Develop an in-depth knowledge of the business and use this knowledge to identify and assess risks and controls.
• Design and ensure the execution of approved sampling techniques, testing strategies on assurance reviews.
• Prepare detailed working papers for all assurance reviews to ensure a consistent testing approach in line with the Assurance Standard.
• Manage the internal audit, combined assurance, and compliance relationship; regular stakeholder engagement, drive the scope of audits,
• Ensure that findings are noted in the CPA’s, RCSA, Risk Packs and actions are tracked until resolution to ensure no overdues.
• Once actions and milestones are closed ensure that controls are amended to reflect the resolution of the action.
• Track progress of any action plans raised in the Operational Risk Self-assessment in order to move to full compliance

Education

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

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Job Description

• Achievement of Sales targets: Manage dealer achievement of sales targets through use of incentive schemes and Management Information from internal and external sources 
• Retain and Improve relationships with Dealers: Discuss AVAF Customer Value Proposition (CVP) during regular relationship meetings and visits to Dealers and Dealer Principals to enhance the brand awareness 
• Deal Facilitation : Handle all customer interactions professionally and efficiently 
• Conversions of non-friendly Dealers: Identify non-friendly Dealers through the tracking of business volumes and determine and address reasons for nonfriendliness by using the retention process to manage non-friendly dealers. 
• Value added products: Achieve VAP target as agreed per PD and contract VAP achievement with Dealers and F&I's by linking counter performance on VAP's of Dealers and F & I's to the DIC pay-out. 

Education

• Higher Diplomas: Business, Commerce and Management Studies (Required)

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Job Description

• People Management:  Manage a team to ensure effective delivery of services to Stakeholders Determine and analyse development needs for the team and ensure that identified training requirements are budgeted for and executed. Develop a high performing team by embedding formal performance development and informal coaching. Encourage frequent knowledge sharing between team members. Review and maintain succession plans for one level below. 
• Business Management: Translate set strategy into operational business plans. Constantly review the number of cases reported to improve the investigation methodologies, criteria and adjust accordingly to a risk- bases approach. Conduct monthly oversight reviews with direct reports to understand the business performance and support them to develop corrective actions where required. 
• Stakeholder Management:   Engage and communicate the department’s philosophy to direct reports/stakeholders and ensure they understand the responsibility of the department vs. Business Unity responsibility. Interact with counterparts in the industry to share information, engender co-operation to gain a common understanding of the threats and risks. Build and maintain relationships with other external parties (e.g. SA Police Services, SA Revenue Services, National Prosecuting Authority Asset Forfeiture Unit) to ensure that co-operation can be obtained when required for key investigations. Ensure vendor management through monthly vendor meetings and monitor tasks allocated. 
• Operational Oversight and Guidance:  Assess and update the investigative policies/procedures and ensure implementation and adherence. Ensure that minimum investigation standards are set and adhered to. For sensitive or high risk cases (on an ad hoc basis or when tasked by management) execute the investigation activities end-to-end or, if appropriate, delegate to one of the direct reports. Ensure that feedback is provided to management/stakeholder in so far as high level/sensitive cases are concerned. Provide suitable training material, best practice activity and advisory services to the Forensic function in the area of your expertise. 
• Investigation:  Provide Group wide investigation capability and lead, into significant and sensitive fraud, theft and corruption cases. Ensure that matters where there is a significant fraud loss to the Bank, that a Steerco is established, comprising of all relevant stakeholders, to ensure that there is proper management over such cases and that recovery efforts are maximised. Ensure that any control failures identified during the course of an investigation are immediately brought to the attention of Fraud Strategy / responsible business unit. Continuously evaluate cases allocated to direct reports for investigation in line with set guidelines and standards.

Education

• Bachelor`s Degrees and Advanced Diplomas: Law, Military Science and Security (Required)

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Job Description

Analysis and Research:

• Conducts analysis and research in areas of specialisation/expertise, leveraging a variety of applicable information's sources.
• Analyses information, generates and publishes written reports summarising findings and prepares recommendations within area of expertise.
• Quality assures analysis and recommendations

Stakeholder Management:

• Establish relationships with key internal and external stakeholders to source information and make recommendations to build relationships with stakeholders spanning the enterprise in order to collaborate and share findings and recommendations.

Control:

• Accountable for complying with all risk management, regulatory and  compliance frameworks within area of accountability; Where applicable ensures that colleagues managed are aware of and comply with all compliance requirements.

Education

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

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Job Description

• Risk Management: Providing Subject Matter Expertise to Risk types 
• Stakeholder Management: Build and Maintain effective Relationships with relevant stakeholders 
• Risk Reporting: Identify, assess and Report key risks arising from significant events, investigations, audit and control issues 
• People Management: Develop a high performing Team 
• Risk and Control: Adherence to Policies, Procedures and Regulations.

As well as:

• Business acumen
• Experience in commercial property transactions
• Experience with complex funding transactions
• Exposure to high  and ultra-high-net-worth individuals
• General banking experience
• Good understanding of project management fundamentals
• In-depth understanding of financial analysis and financial statements
• Presentation skills
• Motivated and self-starter

Education

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

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Key Accountabilities:

• Understand stakeholder requirements and business objectives
• Experience in PCSM development, unit and SOAP testing skills and technical analysis. 
• Prior experience using data driven decision engines (TRIAD, BLAZE, POWERCURVE etc.)
• Experience in running analytics with SAS, SQL, etc.
• Post Implementation testing and Monitoring.
• Translate elicited needs and knowledge acquired into user story format.
• Provide strategic guidance to clients on Credit Risk System and general technology
• Provide strategic advice on how best to use technology to achieve goals
• Manage Credit Risk system changes and collaborate with in-house technical staff
• Assist Stakeholders through the change-management process
• Meet with stakeholders to determine project requirements and goals
• Provide assistance with technical issues and investigate system related queries
• Revise existing systems and suggest improvements
• Design, test, implement and monitor changes
• Prepare and keep documentation updated
• Prior experience in basic programming languages
• In-depth understanding of the Credit Risk lifecycle

Competencies: 

• Applying expertise and technology
• Relating and networking
• Presenting and communicating information
• Creating and innovating
• Formulating strategies and concepts
• Adapting and responding to change
• Delivering results and meeting customer expectations
• Entrepreneurial and commercial thinking
• Meticulous approach to work
• Detail orientated
• Problem solving skills, ability to trouble shoot complex system issues
• Analytical thinker
• The ability to multi-task and work under pressure while producing accurate outputs
• Self-motivated and requires very little supervision

Abilities/Requirements:

• Ability to travel between sites
• Credit Risk experience
• Decision Engine or Rules Engine exposure
• Basic IT Programming knowledge
• Software consultancy background

Education and Experience Required

• B-degree in (Business, Risk Management or Computer Science) or equivalent NQF level 7 qualification
• Experience using data driven decision engines
• Programming skills to create credit rules in risk software would be an advantage
• Minimum of 4 years’ experience in the deployment of systems and tools to manage credit and risk.

Education

• Bachelor's Degree: Information Technology