Vacancies at Nedbank

Job Purpose

To enable change by defining the needs and the rationale for change, to understand the current state, to define the future state, and to determine the activities required to move from the current to the future state by applying the principles of business analysis, according to the requirements classification schema, from a diverse array of multi-functional perspectives with an agile mindset. Complete complex tasks or larger, well-scoped challenges independently and identifies appropriate actions that have been provided to address a business challenge. Pair with Product Designers (CX/UX), Business Architects, Testers (QA), Business data Managers (BDM) and key roles in the requirements value chain. Apply the principles of Product Ownership Analysis and the strategy-to-execution framework.

Job Responsibilities

• Conduct iterative and adaptive planning and monitoring tasks to estimate, organize and coordinate the BA efforts on large/complex enterprise initiatives.
• Conduct elicitation and collaboration tasks to obtain information from stakeholders.
• Conduct requirements analysis and design definition to structure, organize, specify and model requirements and designs.
• Conduct Requirements Life Cycle Management tasks to manage and maintain requirements and design information from inception to retirement
• Conduct strategy analysis to define the future and transition states needed to address the business need, the work required to define that need and the scope of the solution.
• Conduct Solution Evaluation to assess the performance of and value delivered by a solution, and eliminate barriers/constraints that prevent the full realization of the value.
• Execute according to IIBA best practices, agile product delivery and lean principles based on Nedbank's delivery approach as per the BA methods, frameworks, standards, tools, techniques, competencies and practices.
• Analyse and document requirements based on changes to users, interfaces, processes, data flows, constraints, environments, and non-functional requirements.
• Understand the portfolio's strategic themes, product roadmap, vision, KPIs and metrics, and align requirements accordingly.
• Understand all elements of the program and team backlog and align requirements accordingly.
• Explore and articulate the opportunity/problem to be solved and identify stakeholder wants and needs and participate to define the proposed solution.
• Use visual diagrams and collaborative games to model scope, interfaces, story context, data flows, processes, retrospectives and dependencies across projects.
• Decompose and document epics, features, themes, hypothesis statements, PI objectives and user stories by identifying gaps, missing stories and acceptance criteria, scenario development and all requirement categories.
• Own decomposition of portfolio epics, features, elicitation, analysis, story writing and acceptance criteria writing throughout the requirements value chain.
• Collaborate/co-create process and capability alignment by pairing with the PE and Business Architect.
• Support the team in working on impediments and spikes and enabler epics, enabler stories, and synthesise the data to articulate requirements.
• Work with development/QA to identify test cases/scenarios, conduct user acceptance testing and train the trainer/user and support change management commercialisation.
• Conduct/participate in Backlog Refinement, prioritisation, WSJF, and increment planning and drive Devops and Built-in quality principles.
• Analyse/document data requirements and model data flows through all seven product dimensions on a solution/program level by pairing with BDMs.
• Foster stakeholder relationships and engagement for discovery and delivery, backlog refinement, dependencies and enterprise delivery up to senior level.
• Conduct system demos and contribute to I&A and offer and implement suggestions for improvement.
• Actively participate and lead program/squad ceremonies by pairing with Scrum Masters, Agile Coaches, Product and BITE Owners.
• Drive minimum viable thinking, continuous deployment and integration.
• Ensure early remediation by reducing waste, rework, identify risks, issues.

Essential Qualifications - NQF Level

• Advanced Diplomas/National 1st Degrees

Preferred Qualification

• IT qualification, Certificate in BA endorsed by IIBA , Safe Certification

Preferred Certifications

• IIBA endorsed

Minimum Experience Level

• 5 - 8 years
• BA experience, manage multiple IT Projects and exposure to complex projects, business exposure, industry exposure. Guiding others on how to effectively use common techniques. Demonstrate these skilled proficiency descriptors.

Technical / Professional Knowledge

• Research methodology
• BA Body Of Knowledge
• Business writing skills
• Agile Concepts
• Data and Business analysis
• Process Engineering Skills
• Global business analysis Trend
• Business Analysis Descipline , Techniques and Practices
• Microsoft Office Product

Behavioural Competencies

• Decision Making
• Building partnerships
• Technical/Professional Knowledge and Skills
• Initiating Action
• Continuous Improvement
• Customer Orientation

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Job Purpose

To market, sell, and cross-sell Nedbank products, In-Branch, to meet the needs of Retail Business Banking (RBB) clients; to retain and grow client base; to achieve and meet business objectives through identifying and fulfilling client financial needs and to provide consistent excellent client service.

Job Responsibilities

• Deliver and achieve all in-branch daily, weekly and monthly sales opportunities by following business unit sales strategy.
• Finalise client transactions by ensuring client signature for final product accepted.
• Improve performance based on management guidance and feedback.
• Obtain referrals from existing clients and in branch staff through collaboration.
• Market financial products to new and existing clients and stakeholders through the identification of client needs and by matching product to the need.
• Assist and collaborate with segment colleagues (i.e. Relationship- and Business Banking) with activations to ensure new business opportunities are fulfilled.
• Build relationships with clients and stakeholders through regular contact and by being available and getting to know them (i.e. I know you strategy).
• Resolve client queries by following business procedure and keeping client informed.
• Educate clients on the product offering by presenting them with the relevant information.
• Maintain client relationships through world class service standards by listening and attending to client needs, keeping them in the loop and making things happen for them.
• Develop effective partnerships with clients by listening to client needs, asking questions and demonstrating an understanding of the client's business & industry.
• Address client needs by identifying effective financial solutions, using product knowledge, providing the client with proactive solutions.
• Act as client's banking partner by taking responsibility for providing regular feedback.
• Ensure retention of clients full banking relationship through client service and client contact.
• Plan and implement effective prospecting activities by identifying and responding to business opportunities.
• Meet requirements of product applications by providing all required documentation.
• Ensure all client details are correct by capturing details correctly at application stage.
• Schedule work according to action plan from manager in order to meet business objectives.
• Complete verification procedure for all applications by following business unit requirements.
• Enable managerial sales consolidation by reporting daily sales statistics.
• Improve the quality of work by using the managerial recommendations.
• Ensure effective administration and controls in branch portfolio by checking securities and complying with FICA & FAIS requirements.
• Reduce fraudulent transactions by reporting suspicious transactions to the relevant department.
• Ensure technical, company standards and practices are met by vetting the accuracy and quality of applications and security documentation within sales portfolio.
• Deliver agreed results through input to client financial analysis, making recommendations to credit, monitoring that security documentation are completed and returned to admin team and by confirming Bank queries and Bank Codes.
• Support the achievement of the business strategy, objectives and values.
• Stay abreast of developments in field of expertise.
• Ensure personal growth and enable effectiveness in performance of roles and responsibilities.
• Contribute to the Nedbank Culture building initiatives (e.g. staff surveys etc.).
• Participate and support corporate responsibility initiatives for the achievement of business strategy.
• Seek opportunities to improve business processes, models and systems though agile thinking.

Essential Qualifications - NQF Level

• Matric / Grade 12 / National Senior Certificate

Preferred Qualification

• Sales or Marketing Certificate or Bcomm Marketing or Commerce

Minimum Experience Level

• 3 year Retail Banking experience of which 1-2 years experience at Sales Consultant level. Exposure to Small Business Services clients.

Technical / Professional Knowledge

• Administrative procedures and systems
• Banking procedures
• Business principles
• Business terms and definitions
• Governance, Risk and Controls
• Microsoft Office
• Relevant regulatory knowledge
• Relevant software and systems knowledge
• Business writing skills
• Cluster Specific Operational Knowledge

Behavioural Competencies

• Leveraging a Winning Sales Strategy
• Advancing Sales Discussions
• Building Trusting Relationships
• Targeting Sales Opportunities
• Qualifying Sales
• Building Networks
• Driving for results
• Sustaining Customer Satisfaction

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Job Purpose

To deliver outstanding sales performance; manage branch/ market's sales objectives and staff sales capacity; to grow and maintain Nedbank client base and ensure branch/ market profitability.

Job Responsibilities

Nedbank Goals

• Grow market share; ensure client acquisition, retention and cross-selling of bank products.
• Support the achievement of the business strategy, objectives and values.
• Achieve entrenched sales objectives and targets for branch/ market.
• Manage all sales related leads efficiently and timeously .
• Ensure branch/ market operational effectiveness through the uptime of all devices in Self-service, Phygital and Semi-assisted zones; the Automatic Teller Machines/ Intelligent Depositors and the Self-Service Kiosks.
• Drive needs-based selling through the sales staff.
• Identify and communicate sale opportunities and collaborate with sales and service teams across Small and Digi store types to inspire team to define and implement action plans to grow profit and market share.
• Drive client acquisition and increase digital market activity across the community.
• Monitor community growth and business profitability reports, address gaps and ensure momentum to meet objectives.
• Achieve market profitability targets by applying profitability levers and driving increased digital sales and activity.
• Manage controllable expenses (i.e. overtime, stationery, telephone, traveling) within the agreed financial parameters.
• Ensure engaged, cared-for and focused employees.

Client Engagement

• Ensure best rated (#1) in client service and satisfaction.
• Ensure direct report team deliver world class service by effective use of client experience measurement tools.
• Entice clients to digital and self-service and ensure digital adoption.
• Ensure that clients shift to self-service and digital channels.
• Understand client needs and deliver great client service to ensure client satisfaction.

Risk & Operations

• Ensure compliance to operational and legislative requirements.
• Achieve minimum performance on Risk & Compliance audits.
• Ensure all compliance on mandatory training is completed timeously.
• Ensure Key Individual (KI) FAIS responsibilities are executed as per compliance guidelines.
• Achieve regulatory compliance objectives for FAIS, AML, FATCA, TCF & POPPIA.
• Achieve effective BROTA compliance.
• Manage Frauds and Losses for Branch/ market.
• Ensure Banking Hall complies with OHASA standards.
• Ensure adherence to process mandates limits.
• Ensure all equipment is maintained.
• Manage AML sustainability objectives.
• Achieved the required standards for monitoring assessments.
• Manage all Operations Housekeeping standards.

Lead

• Ensure team is trained and compliant and have the necessary tools to deliver on their goals.
• Inspire the use of learning tools and identify development and growth opportunities for individuals and teams.
• Engage team on performance through regular performance discussions on personal and business goals.
• Drive Nedbank culture by bringing the Nedbank values and behaviours to life through own behaviour, practice and self-growth.
• Lead through coaching, mentoring, facilitating and inspiring teams and stakeholders.
• Ensure and lead consequence management, discipline and effective employee relations.
• Manage and track staff performance and apply corrective action where applicable.
• Manage staff leave requirements.
• Manage staff on-boarding process for staff to become proficient.
• Build trusting working relationships with subordinates, managers and support departments through regular engagements.
• Manage staff resources to ensure team efficiency, productivity and full participation.

Preferred Qualification

• An approved FAIS qualification (i.e. Banking or Sales)

Minimum Experience Level

• Must have 1 - 2 years sales and service banking experience

Essential Qualifications - NQF Level

• Diploma

Technical / Professional Knowledge

• Relevant regulatory knowledge
• Customer service principles
• Staff resource planning
• Change management
• Governance, Risk and Controls
• Nedbank policies and procedures

Behavioural Competencies

• Coaching the Sales Team
• Delegation and Empowerment
• Motivating the Sales Team
• Creating a Culture of Trust
• Building Customer Relationships
• Guiding Sales Transformation
• Broadening Business Value

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Job Purpose

To educate clients on the convenience, security and functionality of digital and self-service solutions; processing cash transactions and cash fulfillment (i.e.balancing and replenishment) and performing first line device maintenance in order to meet business goals and exceed the client expectations.

Job Responsibilities

Client Engagement

• Address any concerns relating to the queue flow or digital devices.
• Assist client to download online applications and resolve any log in issues.
• Assist the client to buy value-added services (e.g. pre-paid data and airtime) online or through a self-service device.
• Assist the client to obtain statements, cards and other relevant documentation from self-service zones.
• Build and maintain client relationships by keeping clients informed of progress or action taken regarding their applications, queries and requests.
• Discover client's service and digital needs through connecting, understanding and delivering financial solutions with care.
• Educate clients and potential clients on how to subscribe and service their account.
• Educate clients on self-service, digital functionality and features.
• Facilitate a conversation with the client to assist them to complete their service needs online.
• Identify quality sales leads and enable cross-selling (without advising) through client engagement, fulfilling, making suggestions, referring to the relevant department for action and by capturing it on the client management system.
• Meet, greet, establish and clarify client needs and verify documentation and direct clients.
• Nurture strong, long-standing client relationships.
• Own the client request end to end and route for alternative intervention if not equipped to service the client.
• Provide knowledgeable client service that fosters mutual trust and confidence.

Business Operations

• Accept and service cash transactions over the counter.
• Action control check list applicable to teller, enquiries and foreign functions daily.
• Balance and secure branch stock holding (e.g. cards).
• Control the queuing process and prioritise clients with special needs.
• Destroy old stock (e.g. cards) identified by reports.
• Enable the further processing of inter-bank transfers by preparing all transactional documents and originals (WASTE) in the required format by the required deadline for hand over to couriers.
• Ensure ATM/ID availability through balancing and loading of cash and attending to down devices by performing first line device maintenance support.
• Execute on cash management (i.e. Treasury and holdings), cash efficiency and recycling strategies within the store.
• Load cash, balance and provide first line device maintenance and replenishment of consumables of all store devices.
• Minimize losses and ensure corrective action is taken by declaring any discrepancies in cash holdings.
• Process client deposits, withdrawal, change for change and transfer requests by following relevant procedure and policies.
• Process client forex requests by following the relevant procedures and policies (e.g. FBN, bills and transfers).

Risk And Compliance

• Mitigate risk by controlling counter and drop safe limits according to policy.
• Prevent fraud and losses by adhering to mandates, as well as client and transaction authentication procedures and policies.

Nedbank Goals

• Act in the client's interest, inform the client, do what you say and promise, take accountability, and go the extra mile.
• Contribute to the success of Nedbank through meeting your service excellence, teamwork and personal development goals whilst adhering to Nedbank security, operational and compliance procedures and policies.
• Develop, retain and grow the business by delivering against individual and team goals that support a positive client experience.
• Improve digital enticement and migration volumes to self-service devices and online channels.

Essential Qualifications - NQF Level

• Diploma

Preferred Qualification

• Banking Services (example, Higher Certificate in Banking Services - NQF5)

Minimum Experience Level

• 1 - 2 years

Retail/Banking Client Service, Cash, Technology Savvy, 1st Line Problem Resolution experience. Where applicable, Foreign experience.

Technical / Professional Knowledge

• Customer service principles
• Product Knowledge
• Problem solving skills
• Relationship management
• Nedbank security policies and procedures
• Governance, Risk and Controls
• Forex product

Behavioural Competencies

• Building Customer Loyalty
• Earning Trust
• Collaborating
• Managing Work
• Adaptability
• Stress Tolerance
• Continuous Learning

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Job Purpose

To provide client service by applying sound credit risk management principles through management of staff thereby enabling Nedbank to reduce the RRB impairment charge with the view to rehabilitate, in line with the business strategy.

Job Responsibilities

• Give an overview of the book by developing and preparing portfolio review presentations based on Management Information Systems (MIS).
• Ensure efficient work ethic and achievement of business unit strategies & goals by proposing innovative ideas to enhance Business processes that facilitate customer experience.
• Provide feedback monthly by drafting business reports as at month end.
• Build and maintain effective working relationships by attending regular staff meeting and team building sessions.
• Build strong relationships with bankers by providing upskilling advice on credit processes, policies and documentation.
• Build intellectual capital of the team by knowledge sharing with all stakeholders.
• Meet clients' expectations by resolving queries within turnaround times.
• Manage staff performance by monitoring daily activities of direct reports.
• Manage performance of the team by conducting on the job training, counselling and coaching.
• Manage efficiency of team delivery by drafting and implementing team's strategies.
• Manage default accounts timeously by obtaining acceptable repayment arrangements or handover portfolio to legal collections.
• Enhance policies and procedures by reviewing recommended submissions from other parties.
• Enhance processes by constantly seeking innovative improvements to the credit systems.
• Adapt to changes in Legislation by enforcing the compliance to the changes.
• Improve team performance by identifying staff performance gaps from assessment evaluations and analysing performance data from the Management Information System (MIS).
• Ensure clean audit in area of responsibility by enforcing adherence to bank policies, process and procedures and industry regulations.
• Implement sound credit risk management by providing advice on specialized credit risk matters to sales and direct reports.
• Develop client exit or rehabilitation strategies by conducting annual review of client facilities.
• Manage performance of staff by implementing performance agreements, ensuring a clear vision, agreeing on goals and objectives, providing regular feedback on performance, recognising and rewarding achievement and take appropriate corrective action where required.
• Mentor and coach staff on identified performance gaps by discussing these performance gaps and agree on appropriate action to be taken.
• Motivate staff to perform and contribute to the success of the business by creating environment of teamwork through engaging with staff (sharing information) and encouraging participation in decision making processes.
• Address issues raised in culture surveys by participating in the development and implementation of action plans.
• Create a client service culture through various required interventions.
• Support and encourage staff to participate and support corporate responsibility initiative.
• Achieve operational excellence by supporting the implementation of business optimisation improvement through team engagement.
• Encourage team to generate innovative ideas and share knowledge.

Essential Qualifications - NQF Level

• Matric / Grade 12 / National Senior Certificate

Preferred Qualification

• BCom, BTech or Diploma in Credit

Minimum Experience Level

• 5 years in Banking within Credit environment

Behavioural Competencies

• Building Partnerships
• Coaching
• Communication
• Customer Focus
• Driving for Results
• Selecting Talent

Technical / Professional Knowledge

• Business administration and management
• Change management
• Client service management
• Communication Strategies
• Financial Accounting Principles
• Governance, Risk and Controls
• Organisational systems
• Principles of project management
• Strategic planning
• Management information and reporting principles, tools and mechanisms

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Job Purpose

We are looking for DM: Auditor to review account limits as allocated by workflow based on pre-determined triggers and credit risk assessment in order to mitigate risk for Nedbank.

Job Responsibilities

• Eliminate impairments and credit loss ratio by assessing client behaviour on the account.
• Manage client expectations by operating within the specified parameters and Service Level Agreements (SLA).
• Contribute Business Unit cost saving strategy by adhering to the costs limit set by management.
• Provide feedback to clients by responding to requests and queries within the agreed turnaround times.
• Contribute to building of intellectual capital of the team by knowledge sharing with team.
• Build and maintain effective working relationships with clients by providing assistance on credit related matters.
• Conduct risk assessment of client credit by adhering to the prescribed mandate and credit policy.
• Evaluate affordability and credit risk by executing limit reviews and credit assessment.
• Maintain limit review quality by adhering to the productivity standards.
• Improve compliance with Nedbank policies and procedures by executing required training continuously.
• Ensure to verify the client for security purposes by comparing given information with the information on the system according to Nedbank best practice client confidentiality policy.
• Ensure adherence to 90% Quality Assessment for outbound calls by adhering to the prescribed guideline.
• Keep abreast of legislation and other industry changes that impacts on role by reading the relevant newsletters, websites and attending sessions.
• Understand and embrace the Nedbank vision and demonstrate the values through interaction with team and stakeholders.
• Improve personal capability and stay abreast of developments in field of expertise by identifying training courses and career progression for self through input and feedback from managers.
• Ensure personal growth and enable effectiveness in performance of roles and responsibilities by ensuring all learning activities are completed, experience practiced and certifications obtained and/or maintained within specified time frames.
• Ensure information is provided correctly to stakeholders by maintaining knowledge sharing knowledge with team.
• Contribute to a culture conducive to the achievement of transformation goals by participating in Nedbank Culture building initiatives (e.g. staff surveys etc).
• Participate and support corporate social responsibility initiatives for the achievement of key business strategies.
• Identify and recommend opportunities to enhance processes, systems and policies and support.
• implementation of new processes, policies and systems.

Essential Qualifications

• National Diploma/ Degree

Minimum Experience Level

• 5 years banking experience
• Debtor management experience will be advantageous

Behavioural Competencies

• Communication
• Collaborating
• Customer Focus
• Decision Making
• Work Standards
• Managing Work

Technical / Professional Knowledge

• Administrative procedures and systems
• Banking procedures
• Business terms and definitions
• Data analysis
• Governance, Risk and Controls
• Relevant regulatory knowledge
• Relevant software and systems knowledge
• Business writing skills
• Product Knowledge
• Cluster Specific Operational Knowledge