Job Opportunities at Absa Group Limited (Absa)

Job Summary

• To process bank teller transactions accurately and timeously through the execution of predefined objectives, ensuring that customers are assisted promptly and in a friendly manner.. Selecting this role has a compensation & benefit impact in Kenya, TZ (NBC), Mozambique. Please contact Reward for details.

Job Description

Execute cash & related transactions:

• Throughout each day, balance, control and manage the cash float by checking the amount of cash at the teller station and requesting the restocking or repatriation of cash when prescribed cash limits are reached
• Dispense and receive physical cash, cheques, travellers cheques, drafts and other financial instruments over the counter to walk in customers
• Process and encash cheques presented by customers for deposit or pay-out after checking identification, account details and other prescribed controls.
• Be vigilant for fraudulent or suspicious activities and report all concerns to the team leader or branch manager before processing the transaction or dispensing the cash
• Adherence to policies especially when handling with cheques, notes, ID’s, etc, under the 2 ID
• Buddy to prevent fraud.
• Refer any transactions in excess of teller mandate limits to a mandated official and / or line manager for authorisation
• Capture all transactions on the Bank system and ensure that all transactions are properly authorised before finalising the processing
• Carefully count all cash received or dispensed to ensure that errors are avoided by making use of the applicable cash counting equipment in your branch
• Reconcile own cash at the beginning and end of each day as well as when cash is restocked during the day.
• Prepare reconciliation reports for audit and management review purposes
• Ensure that journals are processed to recover charges for manual transactions processed for customers
• Ensure adherence to the SARB minimum requirements

Customer Service:

• Provide advice to customers on the cash and other transactions processes to ensure the smooth flow of transactions
• Exhaust all attempts to resolve customer enquiries before escalating to other departments or the line manager
• Provide Regular feedback to customers on the progress of their enquiries
• Explain the Bank’s procedures, security requirements (such as ID requirements when transacting) as well as service offerings available to customers
• Report customer complaints on the Bank’s Customer Care process (CCP) to facilitate feedback to improve service to customers
• Guide customers on how to correctly complete transaction documentation such as deposits, withdrawals, cheque requisition slips to ensure accuracy and completeness of these documents
• Ensure accuracy and efficiency when engaging with the customer.
• Ensure friendly, focussed customer interaction at all times
• Portray a professional image and ensure that personal appearance conforms to Absa Corporate Image standards
• Ensure adherence to the Corporate Wear policy
• Maintain a neat and tidy workstation at all times
• Pro-actively arrange your workspace to ensure sufficient stationary is in place prior to the branch opening.
• Regularly read the pricing documents relating to Teller transactions to assist clients with better solutions for their transactions and also benefit at the end of the day
• Adhere to the policy and procedure on the issuing of pins and statements in order to solution the customer at point of contact.
• Ensure migration of clients with CW transactions less than R4000 and CD of less than R8000 to Digital & Self-help channels and provide the necessary assistance.
• Maintain speed and agility at all times when assisting clients in order to minimise shortages and surpluses.
• Market products by giving out booklets or pamphlets to customers drawing large amounts of money and educate them of alternative ways on transacting.
• Educate customers on the use of the Internet Kiosk.  

Identifying sales leads:

• Identify and action sales leads (teller prompts) and cross selling opportunities
• Explain the campaign details, during sales campaigns in brief and direct to clients to Sales Consultants for further information
• Effectively use of sales tools (e.g. teller prompts) in order to ensure the provision of leads to contribute to Branch Sales
• Take responsibility of own sales targets and assist daily by providing client solutioning according to their product needs
• Capture all other leads on SMD once agreed by client
• Follow up all leads with Sales Consultants on SMD to make sure clients are contacted

Compliance and Risk Management:

• Open & close the branch safe according to the Bank’s procedures, including physically securing the safe according to required procedures
• Conduct cash counts and visual checks as assigned by the line manager from time to time
• Ensure that all transaction records are kept and / or mailed in accordance with Bank procedures
• Keep transactions records available for control purposes
• Before processing transactions, verify that all information is accurate and complete in accordance with the Bank’s procedure.
• Refer any concerns to the line manager for follow up and decision making on whether to proceed
• Follow cash management procedures and limits as prescribed
• Familiarise with content of all communication, i.e. circulars, bulletins, risk day agenda’s and alerts, etc. Adhere to prescribed control measures to prevent fraud, losses and shortages
• Report suspicious transactions as per Money Laundering control frameworks
• Complete and maintain applicable registers (Teller and Key registers)
• Adhere to safety and security procedures and follow prescribed instructions in event of robbery
• Cubicles, teller drawers and workstations to be kept locked when leaving workstation
• Follow off-line procedures and comply with all regulatory and compliance requirements
• Manage security items i.e. Cash, Teller stamps, Safe keys, combinations and FBSS cards in line with policies and procedures
• Up skill your knowledge regularly with policies and procedures regarding your daily teller duties, cheques, Fraud, Foreign Exchange, this will help you also to prevent fraud
• Ensure up-skilling on fault reporting and testing processes & procedures of Equipment used at teller environment i.e. note & coin counters, TCR Machines, etc.
• Adhere to end of day procedures (ABSA 3368) Adhere to Branch
• Paper mandate when processing and / or authorising transactions, ensure processing within correct limits & mandates 

Education

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

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Job Summary

This Data Governance & Knowledge Management role.

• The role aims to establish data governance policies, standards, processes and guidelines.
• Responsible for Governance and enforcement of data governance policies, standards, processes and guidelines.
• Monitors performance of data governance processes communication, training, awareness and change management.
• Monitor Risk issues raised and facilitates resolution of issues ad escalate data issues where required.

Data Capabilities:

• Build analytical tools to generate insights, recognise patterns and predict behaviour

Business Partnership:

• Present insights/tactical plans to business areas to enable enhancements, new initiatives etc within the specific business being supported, to ultimately enable a better customer experience

Data Governance and Control:

• Ensure accuracy of Data collected and ensure Data governance required are met and adhered to
• Develop and implement data governance policies, processes and standards covering all aspects and disciplines of data governance.
• Develop a data governance (policy, standards and process) implementation and monitoring strategy and plan.
• Actively monitor the implementation and adherence of the data governance/management policies, standards and processes.
• Review, update, enhance (where appropriate) and publish data governance policies, standards and processes.
• Define and implement a One Africa data ownership model.
• Assist in defining a practical and comprehensive data governance framework/methodology.
• Contribute to the development of Barclays Group data governance requirements.

Job Description

Key accountabilities

Accountability: Data Quality Leadership and Guidance (20%)

• Embed the data quality governance strategy, vision and operating model across the group through the relevant stakeholders.
• Assist in defining a practical and comprehensive data quality strategy.
•  Be an active and influential member of data quality forums.
•  Promote an organisational data quality culture.
•   Provide leadership, advice and guidance to the data quality specialists.
•   Support any related Group Level data quality projects.
•   Obtain a thorough understanding of business data quality challenges and assist to define control measures.
• Develop and maintain good relationships with data quality stakeholders (e.g. BU representatives, data stewards, data owners, business key risk owners etc) through ongoing interaction.
• Develop a good understanding of business strategies and initiatives which impact on data quality through discussion and interaction with the relevant stakeholders.
•  Be the thought leader and support the People Function and its business units on all aspects of data quality management by being knowledgeable on data quality and providing guidance to the business facing teams on implementation of data quality requirements.
•  Drive the implementation of the necessary toolsets to enable implementation of the data quality requirements.
•   Support the Conformance and Validation team as data quality subject matter expert. \
• Act in a consultative capacity to provide input to front office teams in terms of remediation plans for RCAs, Key Indicators, Risk Events, Audit Findings and CSAs as and when required.
• Understand current issues experienced in business by reviewing incidents and audit findings related to data quality.
• Develop and maintain good relationships with business and technology stakeholders through ongoing interaction.

Accountability: Policies, Standards and Process (10%)

• Develop and implement data quality policies and processes and standards covering all aspects of data quality.
• Develop a data quality (policy, standards and process) implementation and monitoring strategy and plan.
• Actively monitor the implementation and adherence of the data quality policies, standards and processes.
• Review, update, enhance (where appropriate) and publish data quality policies, standards and processes.
• Define and implement a People Function data ownership model with particular focus on critical datasets.
• Contribute to the development of Absa DQ policies, standards and processes when required.
• Contribute to the development of Absa control requirements, by providing a view on potential improvements for services and enhanced risk mitigation.

Accountability: Data Quality Improvement Plan (20%)

• Embed the data quality operating model across the group.
• Define and implement detailed frameworks to support the implementation of data quality.
• Implement the data quality work programme of priorities.
• Manage the necessary implementation resources, and monitor the implementation of the work programme.
• Performance manage progress towards achievement of the objectives outlined in the data quality work programme.
• Define data quality requirements and controls to be implemented and considered in the unified change framework (SDLC/projects)

Accountability: Regulatory and Legislative Governance (2%)

• Consider the impact of legislation and regulation relating on data quality.
• Monitor and ensure that the necessary data and information functions, in relation to the carrying out of statutory requirements are undertaken.
• Ensure and promote the effective and appropriate/legal use of data and information

Accountability: Monitoring (20%)

• Be an active member of data quality forums.
• Define and implement an incident reporting and tracking system for data quality issues.
• Receive and consider significant/serious untoward incidents relating to data quality and drive their remediation with the relevant stakeholders.
• Implement processes to ensure that the Governance Lead plus Data Custodians and Stewards are informed of all serious and untoward data quality related incidents.
• Effectively identify and manage data quality risks and actions required by reporting data quality control deficiencies to management. This should include reporting on control issues, SOX control requirements, Internal and External audit observations.
• Escalate unresolved and overdue issues to the relevant stakeholders and governance committees.
• Define and receive reports from stakeholders and forums to enable the monitoring of data quality progress.
• Monitor and assess the effectiveness of data quality policies standards and processes
• Manage and track the relevant stakeholders in the delivery of the agreed action plans and escalate non performance and non delivery to the appropriate forums/structures.
• Assess and receive assurances from stakeholders that they are fully compliant with all the requirements of data quality.
• Identify risks associated with data quality and address and or report them to the appropriate risk committees or data quality forums.
• Ensure that the systems used by People Function support the data quality requirements
• Act in a consultative capacity to provide input to front office teams in terms of remediation plans for RCAs, Key Indicators, Risk Events, Audit Findings and CSAs as and when required

Accountability: Communication, Training, Awareness and Change Management (7%)

• Liaise and work closely with internal committees, forums, programmes and groups to promote data quality.
• Collaborate and align with other governance committees on data quality issues.
• Liaise with other committees and programmes in the People Function to ensure that data quality is integrated into other initiatives.
• Ensure that the People Function’s approach to data quality and management is communicated to all staff.
• Develop and implement a communications programme to raise awareness within the People Function about all aspects of data quality.
• Implement data quality management related training and ensure that it is taken up by staff as necessary to support their roles.
• Cater for specific in-Cluster training needs by defining generic material for awareness and training as well as specific training material for data quality.
• Create and maintain a central communication portal for data quality and ensure knowledge content is fully up to date.

Accountability: Technology (9%)

• Drive the implementation of the necessary toolsets to enable implementation of the data quality requirements.
• Ensure alignment and facilitate collaboration between the People Function and business on data quality issues.
• Ensure that People Function initiatives/projects align with the long term vision and key business and regulatory objectives of data quality.
• Ensure that data quality standards and principles are followed in the People Function initiatives affecting Absa.
• Ensure that all data quality functions performed by the People Function and self service are executed in accordance with the data quality policies, standards and processes.
• Promote the use of data quality technologies by educating stakeholders on the tools and benefits thereof.

Accountability: Reporting (7%)

• Effectively manage data quality risks and actions required and report data quality control deficiencies to the data governance council. This should include reporting on control issues, SOX control requirements, internal and external audit observations.
• Ensure the timely completion of operational reporting by submitting in accordance with Absa Group requirements.
• Escalate unresolved issues to the relevant data governance stakeholders and governance committees by planning, monitoring and reporting back on progress of the data quality initiatives.

Education

• National Diplomas and Advanced Certificates: Information Technology

go to method of application »

Job Summary

• To process bank teller transactions accurately and timeously through the execution of predefined objectives, ensuring that customers are assisted promptly and in a friendly manner.. Selecting this role has a compensation & benefit impact in Kenya, TZ (NBC), Mozambique. Please contact Reward for details.

Job Description

Execute cash & related transactions:

• Throughout each day, balance, control and manage the cash float by checking the amount of cash at the teller station and requesting the restocking or repatriation of cash when prescribed cash limits are reached
• Dispense and receive physical cash, cheques, travellers cheques, drafts and other financial instruments over the counter to walk in customers
• Process and encash cheques presented by customers for deposit or pay-out after checking identification, account details and other prescribed controls.
• Be vigilant for fraudulent or suspicious activities and report all concerns to the team leader or branch manager before processing the transaction or dispensing the cash
• Adherence to policies especially when handling with cheques, notes, ID’s, etc, under the 2 ID
• Buddy to prevent fraud. Refer any transactions in excess of teller mandate limits to a mandated official and / or line manager for authorisation
• Capture all transactions on the Bank system and ensure that all transactions are properly authorised before finalising the processing
• Carefully count all cash received or dispensed to ensure that errors are avoided by making use of the applicable cash counting equipment in your branch
• Reconcile own cash at the beginning and end of each day as well as when cash is restocked during the day.
• Prepare reconciliation reports for audit and management review purposes
• Ensure that journals are processed to recover charges for manual transactions processed for customers
• Ensure adherence to the SARB minimum requirements

Customer Service:

• Provide advice to customers on the cash and other transactions processes to ensure the smooth flow of transactions
• Exhaust all attempts to resolve customer enquiries before escalating to other departments or the line manager
• Provide Regular feedback to customers on the progress of their enquiries
• Explain the Bank’s procedures, security requirements (such as ID requirements when transacting) as well as service offerings available to customers
• Report customer complaints on the Bank’s Customer Care process (CCP) to facilitate feedback to improve service to customers
• Guide customers on how to correctly complete transaction documentation such as deposits, withdrawals, cheque requisition slips to ensure accuracy and completeness of these documents
• Ensure accuracy and efficiency when engaging with the customer.
• Ensure friendly, focussed customer interaction at all times
• Portray a professional image and ensure that personal appearance conforms to Absa Corporate Image standards
• Ensure adherence to the Corporate Wear policy Maintain a neat and tidy workstation at all times
• Pro-actively arrange your workspace to ensure sufficient stationary is in place prior to the branch opening.
• Regularly read the pricing documents relating to Teller transactions to assist clients with better solutions for their transactions and also benefit at the end of the day
• Adhere to the policy and procedure on the issuing of pins and statements in order to solution the customer at point of contact.
• Ensure migration of clients with CW transactions less than R4000 and CD of less than R8000 to Digital & Self-help channels and provide the necessary assistance.
• Maintain speed and agility at all times when assisting clients in order to minimise shortages and surpluses.
• Market products by giving out booklets or pamphlets to customers drawing large amounts of money and educate them of alternative ways on transacting.
• Educate customers on the use of the Internet Kiosk.

Identifying sales leads:

• Identify and action sales leads (teller prompts) and cross selling opportunities
• Explain the campaign details, during sales campaigns in brief and direct to clients to Sales Consultants for further information
• Effectively use of sales tools (e.g. teller prompts) in order to ensure the provision of leads to contribute to Branch Sales
• Take responsibility of own sales targets and assist daily by providing client solutioning according to their product needs
• Capture all other leads on SMD once agreed by client
• Follow up all leads with Sales Consultants on SMD to make sure clients are contacted

Compliance and Risk Management:

• Open & close the branch safe according to the Bank’s procedures, including physically securing the safe according to required procedures
• Conduct cash counts and visual checks as assigned by the line manager from time to time
• Ensure that all transaction records are kept and / or mailed in accordance with Bank procedures
• Keep transactions records available for control purposes
• Before processing transactions, verify that all information is accurate and complete in accordance with the Bank’s procedure.
• Refer any concerns to the line manager for follow up and decision making on whether to proceed
• Follow cash management procedures and limits as prescribed
• Familiarise with content of all communication, i.e. circulars, bulletins, risk day agenda’s and alerts, etc.
• Adhere to prescribed control measures to prevent fraud, losses and shortages
• Report suspicious transactions as per Money Laundering control frameworks
• Complete and maintain applicable registers (Teller and Key registers)
• Adhere to safety and security procedures and follow prescribed instructions in event of robbery Cubicles, teller drawers and workstations to be kept locked when leaving workstation
• Follow off-line procedures and comply with all regulatory and compliance requirements
• Manage security items i.e. Cash, Teller stamps, Safe keys, combinations and FBSS cards in line with policies and procedures
• Up skill your knowledge regularly with policies and procedures regarding your daily teller duties, cheques, Fraud, Foreign Exchange, this will help you also to prevent fraud
• Ensure up-skilling on fault reporting and testing processes & procedures of Equipment used at teller environment i.e. note & coin counters, TCR Machines, etc.
• Adhere to end of day procedures (ABSA 3368) Adhere to Branch Paper mandate when processing and / or authorising transactions, ensure processing within correct limits & mandates 

Education

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

go to method of application »

Job Summary

Overall job purpose

• To embed the Branch Control Effectiveness framework by ensuring all standard controls are implemented and monitored on a daily basis, while taking full accountability for the overall branch operations in support to the Branch Manager.

Job Description

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 Summary

• The purpose of this role is to manage and execute the bank’s brand and marketing initiatives to ensure they align with the bank’s business goals and values. The role involves leading the development and implementation of comprehensive brand and marketing strategies, managing the design function to ensure all marketing collateral is visually impactful and on brand, developing and managing digital marketing content across various channels, and overseeing events and experiential marketing initiatives.

Job Description

Key accountabilities

• Strategy Formulation and Execution
• Customer Primacy
• Sustainable Growth
• Client-Driven Innovation and Change
• Leading Talent
• Operational Effectiveness
• Digital Adoption
• Good Governance, Risk and Compliance
• Data Monetisation

Education

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

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Job Summary

• The RB Chief Credit Officer (CCO) is a senior executive who oversees the credit risk management function of Relationship Banking (RB). The CCO is responsible for the end-to-end management of the credit portfolio incorporating origination and acquisitions, sanctioning, portfolio performance and collections/recovery strategies.
• In providing enterprise leadership across the RB Credit portfolio, the CCO will be required to maintain and inculcate a solutions-focused mindset; drive and inform the right level of debate/commerciality; ensuring execution within agreed timeframes; ensure the desired balance between risk and reward; and protect the quality of the Bank’s asset book through the cycle. The incumbent will be expected to have a finely tuned sense of risk-taking and an effective credit strategy thought leadership and execution capability.
• The CCO is a member of the RB Risk Executive team and reports directly to the RB CRO and will have need to have the ability to influence the company’s direction and thrive in a diverse and dynamic environment. The incumbent must have exceptional leadership and communication skills, able to drive a large team of credit risk professionals. Demonstrating insightful and commercial thinking, together with gravitas and presence, will be key for the CCO to win the respect and trust of senior stakeholders.

Job Description

Accountability: Providing Strategic Leadership

• Design and align the strategic vision and direction of the RB Credit Risk target operating model and architecture to the RB strategy.
• Stay abreast of industry trends and role players and ensure that the RB Credit Risk function is well positioned to provide competitive and industry leading services.
• Identify strategic role players and stakeholders and engage all stakeholders, role players and industry forums to understand and respond to changes in strategy, regulations, and markets.
• Set and communicate a long-term strategy that clearly articulates strategic targets and metrics to align to the overall RB business strategy.
• Direct the review and design of the business architectures for RB Credit (i.e. people, systems, processes, products, market segments, geography) to maintain a competitive advantage, manage costs and improve profitability.
• Give clear direction to leaders in the RB Credit team on the strategic and operational focus areas that need to be delivered.
• Drive the development and tracking of tactical plans and scoreboards and take corrective actions where required.
• Drive the development and execution of strategic projects across the RB Credit portfolio.
• Drive sustainable cost and processing efficiencies through continuous innovation, industry benchmarking and alignment to best practice thinking.
• Establish appropriate governance structures to facilitate decision making, strategic risk management and portfolio performance tracking.

Accountability: Credit Infrastructure, Models and Data

• Drive strategic system architecture for the RB Credit Risk function, ensuring an integrated landscape and ensuring that the function benefits from a holistic architectural approach.
• Ultimate owner of RB Credit models and plays a pivotal role in shaping model development and implementation.
• Design and own RDARR-compliant processes and controls for updating all artefacts across the function and play a role in shaping the credit data landscape.

Accountability: Driving Business Performance

• Position RB Credit as a key service provider to the relevant business units serving as its customer.
• Implement performance controls to proactively measure achievement against strategic targets and address changes or non-performance.
• Contribute to the strategic direction of the Bank through the setting of appropriate risk appetite parameters and lending strategies ensuring loss minimisation is balanced with appropriate levels of risk-taking.
• Provide ongoing advice and direction to the operational environments managed by this role in terms of the areas of focus, opportunities, key targets and relative policies, legislative and regulatory environments.
• Pro-actively manage the RB Credit lending portfolio, monitor internal metrics as well as external economic and market indicators to identify current or future areas of stress, and drive appropriate actions.
• Drive the proactive negotiation of service level contracts with business unit heads with a continued focus on improved performance, reduction in turnaround times and reduced cost to serve.
• Shape and influence the deal pipeline appropriately through membership of relevant committees.
• Articulate rationale for credit risk performance at senior forums, demonstrating implications to business, presenting options and confidently responding to challenges.
• Build and maintain effective stakeholder relationships within the industry and within the Bank to ensure the unit is successfully positioned to manage risks and expectations and deliver on risk-weighted shareholder value.
• Represent RB Credit and participate and contribute to industry and Bank wide forums and governance structures as required or directed

Accountability: Drive the People Agenda

• Together with HR for the function/unit, determine the people management strategy for the business unit aligned to the overall business strategy.
• Take steps to build, develop and lead a cohesive and high performing team within the business unit.
• Drive the overall people agenda within the business unit to ensure that the human aspects to performance are considered and embedded in the business.
• Build and sustain a culture that aligns to the Bank’s aspirational colleague experience to deliver the target customer experience and financial performance.
• Take steps to establish and drive a high-performance culture across the business unit by for example mentoring leaders and using the performance development framework, informal coaching and formal learning as tools.
• Enable and drive the transformation agenda in the business unit by implementing strategies and addressing barriers.
• Establish and maintain a succession plan for the key roles in the area and review and approve succession plans.
• Ensure the business complies with Group HR policies and procedures.
• Drive strategies to ensure the business unit attracts, retains and develops talent.

Accountability: Maintaining a Healthy Risk Profile within RB Credit Risk

• Identify and take accountability for the assigned principal risks relevant to the area and ensure that adequate controls are in place within the role’s area of responsibility.
• Monitor all business risk activities (including business assurance and operational risk management) within the operating environment through obtaining feedback and providing guidance for tactical plans to ensure compliance to policies and standards.
• Drive a culture of proactive compliance and risk management within the executive team and the function as a whole.
• Implement risk and conformance management structures and reporting frameworks to proactively manage business risks and provide an early warning system on an EXCO level.
• Review the risk management and compliance practices of the function as a whole and highlight areas that require improvement to leaders in the team.

Accountability: Manage the Financial Sustainability and effective use of resources

• Support the annual planning and review of MTP, STP and Revised Annual Forecast (RAF) budgets for RB including the setting of MTP and STP Financial targets and standards and related measures and anticipated financial cost targets.
• Ensure rigorous cost management by implementing a highly structured budget and monitoring and reporting process and instilling discipline within the team around cost control.
• Monitor annual resource utilisation and implement strategies to improve the efficient allocation and utilization of
• Ensure accurate and timely credit portfolio reporting in terms of the annual calendar.
• Drive the effective identification, funding and resourcing of new change initiatives within the area of responsibility.
• Build, maintain and implement a control and governance framework capable of withstanding high levels of internal and external scrutiny (Internal Audit, External Audit, various regulators)
• Development and implementation of appropriate risk grading models.
• Portfolio optimisation and analysis to ensure effective use of economic capital.
• Ensure regular stress testing of the credit book is undertaken.
• Influence the overall risk appetite levels by making recommendations on the levels of Economic Capital required to be set aside for the business.
• Ensure compliance to policies, legislation and regulations and that staff compliance training and attestations are in place.

Perform all other responsibilities as reasonably assigned.

Education

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

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Job Summary

• To provide advice and support in practice formulation and associated best practice improvement tactics; enabling the provision of specialist customer experience expertise.

Job Description

Root cause and insights analysis strategy:

• Identify and prioritise customer experience breakdown points based on customer expectations, breakdown severity and business impact, using customer measurement feedback.
• Perform detailed analytics in order to identify root cause problems impacting customer experience delivery.

Customer Experience Planning:

• Assist in delivering projects which lead to the creation of an industry leading customer experience which is notably different, far exceeds expectations and is at the global forefront of simplicity and usability while still maintaining the depth and rich functionality of the Absa product set.
• Leverage insight and data to ensure that products/services/solutions are truly designed around the customer/client.

Relationship Building & Team Working:

• Develop relationships with colleagues and stakeholders across Absa to ensure development and delivery of consistently great customer experiences that drive customer intimacy and leverage best practice.
• Manage 3rd party agencies for the delivery of testing, UX and Design work according to agreed quality standards and timeframe 

Education

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