Various New Job Openings at Absa Group Limited (Absa)

Job Description

Credit Risk Management

• Manage and monitor a portfolio of clients within the Business Support environment against the determined strategy of either “Turnaround” or “Managed Exit”.
• Lead negotiations with customers, other lenders, creditors and 3rd party advisors regarding the agreement to and implementation of strategy, to ensure properly mitigated credit risk for the Bank.
• Where appropriate, obtain customer’s agreement to the use of professionals including accountants, turnaround professionals, attorneys and property professionals.
• For turnaround customers, agree critical success factors in liaison with Relationship Executives, Regional Credit Managers and other Credit teams to ensure credit risk normalisation and relationship preservation. Obtain customer commitment and agreement to implement appropriate risk mitigation strategies and remedial actions to improve the client credit risk profile.
• Monitor customer progress against agreed strategies and action plans through analysis/appraisal of plans and budgets & cash flow.
• Identify where risk mitigation strategies have broken down and negotiate and implement remedial or corrective action in consultation with the client.
• Deliver high standards of credit quality for high-risk cases through the application of best practice to credit proposals.
• Make lending decisions within an appropriate personal mandate.
• Perform robust financial and non-financial analysis on the client that will support and underpin all new proposals in terms of the clients' credit risk implications by liaising closely with business to formulate Credit applications/proposals.
• Assess credit applications for WL clients within own mandate and approve or decline these applications or recommend to the appropriate sanctioning level.
• Facilitate the credit sanctioning process by responding to sanctioned enquiries i.e. non - acceptance of approved terms and conditions, applications and/or attend all relevant Credit meetings, where necessary, in order to present and sponsor credit applications that have been submitted under the mandate holder's signature.
• Manage exposures by taking daily credit decisions and reviewing information from various systems e.g Credit Management System, and taking credit decisions accordingly.
• Use information gathered in support of  reviews/amendments/new applications to be submitted to Business Support in liaison with the Relationship Executives (RE).
• Request and drive valuations on properties from RE’s/business units, which serve as security for facilities to be used to calculate impairments.
• Champion the Business Support team’s relationship with internal and external customers, develop a strong network of internal contacts, external and panel professionals to maximise financial benefit for the Bank.
• To drive the implementation of appropriate strategies and/or risk mitigation measures in the client portfolio with a view to reducing the Capital at Risk.
• Inputs into the fortnightly/monthly impairment forecasting, as required from time to time.
• Proactively manage Business Rescue as governed by Chapter 6 of the Companies Act of 2008, and in alignment with the existing Business Support Procedures for time to time.
• Monitor the client’s business performance on a continuous basis, in addition to performing formal reviews at specified time intervals, to ensure early identification of changes to the client's risk profile.
• Analyse the clients' historical data i.e. financial statements to forecast the client’s potential growth and sustainability and make recommendations or take decisions within mandate.
• Ensure client meets financial covenants and the facility terms and conditions on a monthly basis by reviewing in line with the agreed covenants/terms and conditions/timelines.
• Structure a lending solution for the client based on the analysis conducted, that will account for the potential threats to the client and, that is within set credit limits and the Bank's credit lending policies and appetite.
• Review and recommend the impairment calculations (based on Capital at Risk), strategy to be adopted and WL risk classification for each client, which forms part of the WL Watch List summary for all clients under his/her control.
• Review the Impairment/Capital at Risk calculation, on a monthly basis and sign off in line with the Bank’s policies.
• To manage the clients' value to Absa through optimising revenue opportunities i.e. pricing for risk in terms of the Pricing policy.
• Mitigate and manage the credit exposure to the Bank by adhering to the Business Support Policy and Procedures and the Bank's Credit policy.
• Interact with clients, where necessary, and resolve on a timely basis, all client credit related problems/queries as and when required by interacting with the stakeholders and formulating the appropriate solution/strategy to be adopted for a particular client.
• Maintain thorough, accurate and up to date case management recordal, which include a set of financials, evaluations and credit decisions.
• Obtain input from Product Industry Specialist/s, where appropriate, for assistance in analysing the risk for specific clients.
• Ensure that the monthly Watch List is accurate and completed in line with the relevant policies and procedures.

People Management

• Ensure adherence to Absa’ values

Change Management 

• Assist with the development and execution of strategic projects (as required) from time to time.

Stakeholder Management 

• Raise local profile in the team as well as the broader Group Risk team and business partners.

Governance 

• Ensure that you only take decisions within delegated mandate.
• Ensure that you maintain standards in line with Absa policies and standards.
• Ensure that you follow and abide by processes and procedures.
• Comply with the Bank’s credit policies and philosophy at all times, and check that any policy breaches have been suitably addressed and mitigated against and reported to the appropriate authority e.g. Forensics. 
• Provide bank codes and reports on clients, to other financial institutions as and when requested.
• Adhere to the Relationship Banking Credit Policy and other relevant legislation e.g. National Credit Act, Companies Act, Insolvency Act and other relevant legislation.
• Responsibility for adherence to governance, compliance and lending portfolio controls and MI as required from time to time.

Education and experience required.

• BCom degree (with Accounting III as a Major) and / or other postgraduate qualifications in Business or Management or related legal fields would be an advantage.  
• Minimum 3 to 5 years banking experience.
• 3 to 5 years commercial and/or corporate credit experience. 
• Preferably, proven success in a customer facing and/or similar Business Support role dealing with financially distressed clients.
• Be a member of the South African Restructuring & Insolvency Practitioners (SARIPA) and/or Turnaround Management Association – South Africa (TMA-SA).

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Job Description

PFE management and monitoring

• Support Front Office requests for ad-hoc information and PFE calculations, including limit setting
• Support other Credit and Infrastructure staff with understanding of underlying counterparty  exposures related to complex deals
• Ensure accuracy and completeness of PFE and mtm exposures in the risk systems, through DQ controls monitoring, reporting and escalation
• Develop an understanding of the PFE models and the end to end reporting process, to enable you to provide training to stakeholders on request
• Attend and represent DCEM in counterparty credit risk work stream group sessions and provide input regarding PFE and mtm considerations
• Quantify and analyze Potential Future Exposure (PFE) and mtm for derivative portfolios, including OTC derivatives, swaps, options, and other structured products.
• Collaborate with trading desks, risk management, and quantitative teams to validate and calibrate PFE models and assumptions.
• Conduct sensitivity analysis and stress testing to evaluate the impact of market shocks and potential adverse scenarios on PFE and portfolio risk.
• Stay informed about market developments, regulatory changes, and best practices related to PFE and counterparty credit risk management.
• Work closely with technology and IT teams to implement and maintain PFE models and systems.
• Develop and monitor efficient and accurate processes for manual overrides and marginal risking, while striving to put in place strategic solutions

Systems Processes, Innovation and Projects

• Drive system and process change in counterparty credit risk space
• Automation and efficiency enhancement of existing reporting processes
• Assist in maintaining existing system framework – including Sigma, QlikView models and all ETL layers connecting these systems / processes
• Provide business requirements to IT for system changes to ensure accurate implementation of changes. This includes working closely with IT to test implementation and troubleshoot issues which may arise
• Documentation, validation and back testing of models – either as part of annual review process or for any new model which is developed

Reporting

• Assist in the preparation of reports and presentations for senior management, risk committees, and regulatory authorities on a monthly and adhoc basis
• Monthly reporting of stress testing and scenario analysis
• Daily margin reporting to the PA
• Build detailed analytics on counterparty portfolio, including sector analysis, concentration views, DG views.
• Monthly reporting for KRI’s and MI’s into the market risk governance forum

Skills 

• Corporate and Investment Banking cross product knowledge across all asset classes
• Excellent analytical and problem-solving skills, with the ability to interpret complex data and draw meaningful insights.
• Accountability for their roles and responsibilities within the team
• Strong verbal and written communication skills (presentations, technical papers)
• Pro-active and self motivated
• Detail-oriented with strong organizational skills and the ability to manage multiple priorities in a fast-paced environment.
• Programming skills (SQL, VBA, Python, SAS or R) would be of benefit but not essential
• Team player with a collaborative approach to working across departments and disciplines.
• Understands the importance of a strong control environment and is able to articulate, build and implement controls to ensure accuracy of risk data.
• Effective communication skills with the ability to present technical concepts and findings to diverse audiences
• Project management skills and the ability to drive delivery and execution.

Education

• Bachelors Degrees and Advanced Diplomas: Risk Management and Financial Risk Management
• FRM
• CA (SA)

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Key Accountabilities:

• Assist to implement and govern Policy and Supporting Standards control requirements
• Monitor progress on the embedment of the Policy and Standards
• Escalate non-compliance to controls
• Compile reports to report and monitor progress on implementation and embedment of control requirements

Support and Guidance:

• Be an active and influential member of Data Forums
• Assist to implement Absa’s Data Management and Data Governance requirements
• Encourage an organisational Data culture within the Business
• Support stakeholders with Data objectives and requirements
• Continue with pro-active stakeholder engagement and involvement to understand Business’s and Functions Data challenges

Policy, Standards, Frameworks, Processes and Procedures

• Assist to implement the Data Management Policy and Standards
• Drive the embedment of the Data Management Policy and Standards
• Assist to perform a GAP assessment on controls as stipulated in the Policy and Standards
• Provide guidance to Business Areas and Functions wrt to the GAP assessment and control GAPS identified for the Road to Satisfactory (RTS)
• Drive the DWB (Dispensation, Waiver and Breach) process with Business and Functions
• Assist to review, update and enhance (where applicable) the Policy, Standards and processes

Regulatory and Legislative Governance

• Consider the impact of legislation and regulation relating to Data Management and Data Governance
• 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

Monitoring

• Be an active member of the Business Areas and Functions Data Forums / Committees or Councils
• Monitor Data and Change Requests raised
• Monitor Dispensations, Waiver and Breaches according to plan and results
• For monitoring requirements reports must be provided to the Head of Data

Communication, Training, Awareness and Change Management

• Promote Data Management and Data Governance through any Committees, Forums, Programmes and Groups
• Align and liaise with other Governance Committees, Forums and Working Groups on issues
• Assist with the communications for Data awareness
• Support with Data training initiatives

Reporting

• Report on DWB’s completed for ineffective controls
• Assist with the completion of the Data Management and Data Governance Roadmaps for reporting
• Report ineffective controls at the relevant Forums / Committees
• Report on Data and Change Request raised

Self-Development and Growth

• Encourage frequent knowledge sharing between team members
• Grow own knowledge and understanding by staying abreast of knowledge and skills relevant to the level and area of work
• Improve skills to engage with Subject Matter Experts (SME’s) on specific subjects

Education

• National Diplomas and Advanced Certificates: Banking, National Diplomas and Advanced Certificates: Business Management, National Diplomas and Advanced Certificates: Information Technology, National Diplomas and Advanced Certificates: Risk Management

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Job Description

QA Engineering

• Proactively contribute & participate in the full solution development lifecycle as a member of a squad / multiple squads as an QA automation specialist engineer
• Actively participate in daily Scrum and project planning meetings.
• Create and analyze test automation requirements during the requirements analysis phase of technical product & service development, maintenance & optimization (across tribes & squads) – using design specifications and technical documentation (e.g. Business Briefs, User Stories, Architecture & Integration documentation)
• Prepare QA & Automation testing documentation (planning, design, execution and sustainability)
• Develop automation test plans
• Develop and execute automated test scripts using various technologies (automated scripts, test harnesses, SQL scripts etc.)
• Perform various types of automation testing (regression, integration, black box, scalability)
• Evaluate automated test cases and analyse & report results
• Facilitate test plan / case reviews within squads
• Work with product engineers to evaluate software / solution quality & provide recommendations for improvement / enhancement
• Contribute to the design and selection of testing frameworks for business applications
• Deliver all automation & technical testing deliverables on time (always)
• Provide the required project / scrum related information / feedback on deliverables (e.g. progress, tracking, quality etc.)
• Conduct performance monitoring on applications / components of applications for which you’ve designed and executed test scripts / plans
• Produce quality and testing outcome metrics and reports

DevOps

• Follow engineering best practices and continuously improve on engineering knowledge to successfully shift our QA capability forward
• Leverage coding language understanding & expertise to deploy testing requirements for specific products / services
• Understand the full technical solution that is being tested – show interest and capability to run the technical solution & the ability to test the viability of the code being developed
• Shift from testing features to supporting & being accountable for full product delivery

Risk & Governance

• Ensure compliance with technical risk and governance requirements
• Ensure work is compliant with automation testing frameworks and standards
• Proactively identify and communicate risks ahead of need
• Participate in Business Continuity, Disaster Recovery, Incident Management processes as required and implement mitigating actions

People

• Participate in peer reviews & continuously develop automation testing awareness & capability across squads

Skills and Knowledge Requirement

• Relevant B-Degree in Computer Science preferred but not essential if minimum requirements of experience & practical application is evident
• 5+ experience building and maintaining Automation Frameworks
• Experience in Selenium Webdriver, Java, TestNG & working with Pipelines (Jenkins or azure devops)
• Mentoring and upskilling
• Understanding of Agile Methodologies
• Non-functional testing experience (stress testing)
• ⁠Advantage : AccelQ and Qmetry exposure

Education

• Bachelor's Degree: Information Technology

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Job Description

• Source Utilisation: Obtain walk in client or data leads from the Bank staff in the branches (Consultants, 
• Customer Experience: To provide service excellence and achieve customer satisfaction 
• Risk & Control: Ensure that staff members where applicable, i.e. Planner Assistants have a clear 
• Manage Sales & Growth Targets: Capture the correct Policy Relevant Information (PRI) number on the EBankpac system On a monthly basis, check the accuracy of the commission statements received from the AIFA Commissions department. Verify that all the PRI numbers reconcile to the commission paid and reflected on the statements 

Education

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

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Job Description

Strategy

• Seamlessly integrates for internal supply chain effectiveness and functional integration.
• Execute Functional strategy, create a shared purpose and identity for function
• Accountable for ensuring an optimal and compliant control environment within business unit that appropriately balances risk appetites and customer demand with the need to grow to achieve the financial ambitions and balance sheet aspirations
• Manage the strategic investment budget and Book of Work spend for business, in alignment with the enterprise strategy and prioritised in line with Cluster’s commercial and cultural aspirations. Also ensures that appropriate Returns on Investment (ROI) are realized by building a culture and discipline of benefits tracking. Influence shape and sustainability of the business by operating from financial management to market presence and product mix or service lines, to technology, talent, help deliver new revenue streams, to levering mergers, acquisitions and divestitures as appropriate.
• Embrace our distinctive brand aspiration and infuse in business.
• Build a culture of inclusivity, diversity, entrepreneurship, and ownership.
• Drive Cluster decisions within Business. Drive BU decisions.
• Accountable for finance narratives & insights driving business.
• Take an eco-system mandate: (geography, customer, channel and product) of business area.
• Influence integration of Treasury, Risk, and Finance from a BU perspective.
• Influence the build of a leading global payments hub, where applicable.
• Stimulate behavior in business to achieve strategic and financial objectives. Provide leadership to ensure alignment of financial and business strategies.
• Maintain stewardship and excellence which drives performance and sustainable growth through preservation of financial integrity.

Profit and Loss

• Co-accountable for business growth and profitability.
• Accountable to ensure that reporting, controls and enterprise risk programs are operating and functioning as intended.
• Support business leaders in achieving business goals and objectives through the use of advanced modelling and analysis to provide actionable intelligence, beyond data.
• Responsible for financial rigor and control.
• With regards to BCM and Cyber security, influence focus on vulnerability and internal controls assessment to review the data supply chain and identify the location of sensitive data. The CFO needs to understand the risks and then develop a plan to align the BCM & cybersecurity strategy with the business strategy. CFOs must also ensure that processes are in place to understand the relevant BCM and cybersecurity compliance and regulatory requirements.

People Investment

• Coach, inspire, engage, mentor and develop financially and business savvy leaders.
• Build a scalable, digitally-led business.
• Help shape society by developing innovative solutions to societal challenges; and expand and augment existing capabilities.
• Embrace a different, more commercial and overtly entrepreneurial way of doing things.
• Focus on Finance skills evolution with innovation and employability at the heart of people management.
• Integrate Big Data and Advanced Analytics into the core of our business.
• Build specialised Finance skills to support mergers and acquisitions, and partnership capabilities to drive opportunity.
• Providing thought leadership to the industry.
• Deliver on our Customer Promise by creating unprecedented, seamless experiences.
• Be an enabler of capabilities, talent and service level to fulfill business and functional responsibilities in an innovative efficient manner.

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Job Description

Credit Origination, Execution and Fulfillment

• Execution and Fulfillment of Credit Strategy and alignment with RB Business Objectives
• Liaise with Segment Managers to ensure optimal client solutioning within agreed risk framework
• Management of Credit Analysts to execute on agreed objectives

Management of Segment Credit Risk Portfolio

• Working with the High Value and Premium Segment Managers to ensure appropriate analysis in respect of required/ requested facilities,
• conditions of sanctioning and to maintain the quality of credit risk profile on the portfolios
• Responsible for the team’s Data Quality integrity and quality of Credit Applications submitted for Credit Sanctioning

Team Management

• Develop a high performing team by embedding formal performance development and informal coaching
• Create an effective workforce and ensure that current and future business requirements are met

Education

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

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Job Description

• Lead, mentor, and develop a team of Credit Officers, ensuring high levels of performance and engagement.
• Set performance goals and conduct regular performance reviews.
• Provide training and development opportunities to enhance the team's skills and knowledge.

Home Loan Assessments:

• Oversee the team's assessments of home loan applications for individuals and entities.
• Ensure the evaluation of creditworthiness, financial stability, and risk associated with each application is thorough and accurate.
• Guarantee compliance with regulatory requirements and internal policies across all assessments.

Stakeholder Engagement:

• Foster and maintain strong relationships with key internal and external stakeholders.
• Support the team in providing guidance and support to stakeholders throughout the application process.
• Serve as the primary point of contact for escalations and complex cases.

Volume Management:

• Oversee the management of high volumes of home loan applications to ensure efficient processing.
• Implement and monitor streamlined processes to enhance efficiency and maintain service levels.
• Prioritize tasks and allocate resources effectively to meet deadlines.

Decision Making:

• Support the team in making informed and well-supported credit decisions.
• Utilize credit scoring models and risk assessment tools to guide decision-making.
• Review and approve recommendations and justifications for credit approvals or declines.

Risk Management:

• Identify and address potential risks associated with home loan applications.
• Ensure the team adheres to risk management protocols and industry best practices.
• Stay informed about industry trends and regulatory changes affecting credit risk and adjust strategies accordingly.

Compliance:

• Ensure strict adherence to regulatory requirements and internal compliance policies within the team.
• Keep the team informed about changes in legislation impacting home loan assessments.
• Conduct regular audits and reviews to ensure compliance standards are met.

Reporting:

• Generate, analyze, and present reports related to home loan applications and credit decisions.
• Provide insights into key performance indicators, trends, and areas for improvement.
• Use data-driven insights to inform strategic decisions and drive continuous improvement.

Qualifications and Skills:

• Bachelor’s degree (NQF7 preferred) in Accounting, Economics, Banking and Finance, or a relevant field.
• Minimum of 5 years of credit experience, with at least 3 years in home loans.
• Proven experience in credit assessments and risk management.
• Excellent analytical, decision-making, and problem-solving skills.
• Strong communication and interpersonal skills.
• Ability to work under pressure and manage competing priorities.
• Proficiency in using credit scoring models, risk assessment tools, and relevant software and technology platforms.
• Clear credit bureau record and demonstrated responsible personal financial management.

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Job Description

• Source Utilisation: Obtain walk in client or data leads from the Bank staff in the branches (Consultants, 
• Customer Experience: To provide service excellence and achieve customer satisfaction 
• Risk & Control: Ensure that staff members where applicable, i.e. Planner Assistants have a clear 
• Manage Sales & Growth Targets: Capture the correct Policy Relevant Information (PRI) number on the EBankpac system On a monthly basis, check the accuracy of the commission statements received from the AIFA Commissions department. Verify that all the PRI numbers reconcile to the commission paid and reflected on the statements 

Education

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

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Job Description

Key accountabilities

• Solve key challenges with data linkage and digitization by exploring opportunities in disruptive new technology to grow a data-centric culture. 
• Building both predictive and prescriptive machine learning models that will assist with increasing strategic and competitive advantage. All solutions must meet minimum criteria in terms of commercial uplift or increases in efficiencies.
• Partner with internal as well as third party providers of data to expand available datasets
• Provide mentoring to junior team members, through planned interventions as well as by providing guidance on the job by partnering with junior team members
• Ensure that all applicable data risk management standards and policies are adhered too, and also play an active role in the creation, implementation, and maintenance of robust model governance to ensure uniformity and scale of all data models produced.
• Partner with business to solve challenges through data science and also actively partake in the creation of a data science community in the broader organisation by sharing knowledge and skills.

Education

• Bachelor`s Degrees and Advanced Diplomas: Statistics, Bachelor Honours Degree: Physical, Mathematical, Computer and Life Sciences

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Job Description

Strategic direction & governance

• Provide Assistance in setting the Absa Group Limited data privacy strategy, as well as the privacy risk and control threshold for the Group.
• Assist in driving compliance to all Data privacy laws and regulations and address these requirements early on in new technologies.
• Develop and oversee the application of data privacy policies and standards for Absa Group Limited and maintain these on at least an annual basis.
• Enable compliance with data privacy regulations and foster a data protection culture within the organization.
• Proactively conduct data protection impact assessments for the Group’s products, projects, and processes.
• Provide SME guidance on Data Privacy Risk management with Business stakeholders and suppliers.
• Partner with Business and Technology to ensure data privacy issues are considered at the outset of new projects, products, and initiatives.
• Monitor the evolving data privacy regulatory landscape to keep visibility on trends, and best practices to adequately address current policies or standards.
• Inform and monitor the Absa Group Limited Data Privacy risk appetite and changes to it.
• Assist in the development and maintaining of an appropriate operating model to ensure that the data privacy policy requirements are implemented within the Business with adequate oversight from the Group Privacy Office.
• Assess the risk on all requests for dispensations, waivers, and breaches, and escalate to the Principal Risk Officer for consideration.
• Participate in investigations, reviews, approvals, incidents, and exceptions to address matters impacting the risk.
• Assist in the development of the process for the identification and assessment of all severity 1-4 incidents within Absa Group Limited.

Oversight & reporting

• Monitor compliance with data protection regulations and Group policies
• Continuous engagement with the various regulators and keeping up to date with data privacy regulations.
• Support the data incident response and data breach notification procedures
• Timeously validate and respond to data subject requests Assistance in overseeing data privacy incident and breach procedures and response, including investigation, documentation, reporting, maintenance of records, and the implementation of corrective action.
• Oversee the development and/or implementation of training on the policies and standards to deliver compliance and foster a data privacy culture.
• Review and make recommendations on the Key Risk Indicators submitted by Business.
• Oversee the gathering, collation, and aggregation of risk reporting; challenge inputs from Business and develop and report on an overall picture of the status of the Risk from a Group perspective.
• Assists in the management of and reporting on the status of data privacy risk to internal and, where relevant, external stakeholders, including regulatory bodies.
• Keep up to date and maintain the Group Risk Framework and identify and warn the business and the Compliance Executive Committee of emerging risks. Develop how those risks may be managed, by providing actionable intelligence.
• Promote and communicate the embedment of compliance throughout the organization and oversee the development and implementation of high-quality compliance policies and standards.
• Ensure adequate monitoring capability is incorporated into solutions to provide key risk metrics and indicators. This may include participation in designing and implementing systems of metrics to provide additional monitoring insight.

Management and Leadership

• Develop the capability through internal and external networks, research, and tools to identify emerging risks and potential enhancement of the Risk

Framework and Data Privacy Policy.

• Assist in the Developing and implementation of policies, procedures, and systems to ensure efficient and effective identification and assessment of Data Privacy risks
• Promote the cultural, behavioral, and organizational changes necessary within the business to achieve continuous improvement.

Stakeholder management

• Act as an ambassador with colleagues, regulators, and other stakeholders to establish a leading function within the organization.
• Be registered with relevant regulatory or professional bodies
• Advise stakeholders on the management of relevant data risks, by participating in product/project/change approval and review processes.
• Ensure that proactive and risk-based advice is delivered through effective partnership with others at all levels – the front office and other infrastructure functions.

Education

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

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Job Description

DevOps

• Apply critical thinking, design thinking and problem solving skills in an agile team environment to solve complex technical problems (Front End, Back End and Integration) with high quality solutions
• Contribute to and in some cases lead all phases of the development lifecycle including e.g. design process
• Determine operational feasibility of solutions by evaluating analysis, problem definition, business requirements, solution development and proposed solutions
• Develop high quality software / application design and architecture in a test driven & domain driven / cross domain environment
• Quickly produce well-organised, optimized, and documented source code to deliver technical solutions
• Ensure designs & solutions support the technical organisation principles of self-service, repeatability, testability, scalability & resilience
• Apply general design patterns and paradigms to deliver technical solutions
• Create & Maintain Sophisticated CI / CD Pipelines (authoring & supporting CI/CD pipelines in Jenkins / Azure Devops or similar tools and deploy to multi-site environments – supporting and managing your applications all the way to production)
• Use & configure modern observability techniques to provide a deeper understanding of the application. To do this, leverage e.g. aggregated logging via ELK stack, metrics via Prometheus / Grafana / NewRelic and distributed tracing like Zipkin/Jaeger etc.
• Automate tasks through appropriate tools and scripting e.g. Docker, Ansible, Kubernetes
• Debug existing source code and polish feature sets.
• Work with guilds and other technical SME’s to improve and evolve technical products and services
• Apply unit testing frameworks and perform integration, validation and verification testing (apply knowledge of stubbing tools e.g. wiremock, hoverfly etc.)
• Apply version control and related concepts and techniques
• Align all application development & development process to Group Architecture, Security & Infrastructure guidelines
• Work with project & program teams (when required) to plan & manage the development lifecycle e.g. releases, risk management, testing, integration etc.
• Conduct reviews, performance monitoring & ongoing optimization and maintenance on applications
• Stay ahead of the curve on emerging technologies and development practices e.g. scripting languages, containerization etc.
• Contribute to the design & evolution of Group Architecture, Infrastructure & associated technical standards for the organization

People

• Coach & mentor other engineers
• Conduct peer reviews, testing, problem solving within and across the broader team
• Provide technical subject matter expertise and support in the attraction and recruitment of Product Engineers for the organization
• Participate as a subject matter expert in the development & development planning of the broader product engineering team
• Support the people change teams in the design of adoption processes (Customer, Employee & 3rd Party Adoption)

Risk & Governance

• Identify technical risks and mitigate these (pre, during & post deployment)
• Update / Design all application documentation aligned to the organization technical standards and risk / governance frameworks
• Create business cases & solution specifications for various governance processes (e.g. CTO approvals)
• Participate in incident management & DR activity – applying critical thinking, problem solving & technical expertise to get to the bottom of major incidents
• Deliver on time & on budget (always)

Education

• Bachelor's Degree: Information Technology

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Job Description

Risk Management 

• Monitor client’s performance on a continuous basis for risk indicators and perform formal reviews at specified time intervals to identify any changes in the client's business or operating environment.
• Monitor adherence of covenants and conditions on a continuous basis and discuss any deviations and possible concerns with Sales team and escalate to Line Management and Credit if necessary.
• Adhere to ARMS credit requirements as stipulated in the Absa credit policy. Monitor and report boundary events in terms of the Operational Risk Boundary.
• Obtain input from Product Industry Specialist, where appropriate to assist in client solutioning and credit application process.
• Identify the need for a meeting between high-risk clients, Credit and Business Support.
• Request updated valuations on properties that serve as security for facilities in line with Absa Credit policies.
• Manage and communicate the risks associated with outstanding securities.
• Pro-actively identify problematic /high-risk clients and advise Credit, accordingly, manage them with a view to provide special input and implement loss preventative measures i.e., EWL Reports.
• Request and manage outstanding Financial Statements as stipulated in the Absa Credit policy.
• Action and manage daily Odex, Referrals, REPL and REPC. Contact clients that are on the referral listing for rectification.

Credit Management 

• Explore new, improved, and alternative ways of solutioning client credit requirements.
• Adhere to Bank’s credit policies and procedures and ensure that they are fully complied with and that any policy breaches have been suitably addressed and mitigated.
• Provide bank codes and reports on clients.
• Pro‐actively manage credit risks associated with the portfolio of clients and their related products.
• Manage and drive the deal forum process to ensure quality applications are submitted to the sanctioners with sustainable credit solutions.

Portfolio Financial and Operational Management 

• Compile reviews, amendments, and new applications to the appropriate lending authorities.
• Issue facility letters to clients after reviews have been compiled and new facilities granted.
• Draft and issue letters of reminder when facilities expire according to policy requirements, for example 30-, 60- and 90-day letters.
• Contribute to the Non‐Interest Income by ensuring recovery of manual fees (e.g., Reviews, valuations) to avoid revenue leakages.
• Spread client's financials on the various Credit Risk Grading models i.e., Agri Model, Public Sector Model, RiskCalc Model and Triad.
• Provide the Default Grading (DG) output from the Credit Risk models.
• Capture all information on the various risk grading models 100% accurately by checking that all the models balance.

Client Solutioning and Customer Service 

• Identify cross sell opportunities from analysis of Client's financials, account conduct and industry change and pass on to Relationship Executive/Transactional Banker as a lead.
• Be part of the solution by attending sales best practice sessions with relevant stakeholders, give credit input to mitigate risk on the identified product offering or new acquisition, and monitor progress on the sales funnel, until the lead is converted into a deal.
• Conduct research on the industry in which the portfolio clients operate, to understand the industries overall profitability, industry trends and clients market standing relative to their competitors.

Teamwork and Self Development 

• Attend team meetings and contribute fully, including suggestions for ways of improving customer service and meeting targets.
• Develop supportive relationships with colleagues and create a sense of team spirit.
• Communicate concerns or challenges that derive from team interactions in a constructive and positive manner.
• Develop and maintain contacts with Specialists in other areas of Relationship Banking and the Group.
• Keep abreast of regulatory changes through regular training.
• Monitor available L&D courses to develop your own training whilst helping others in the team to develop theirs.
• Demonstrate the willingness and ability to perform to the very best levels to ensure personal alignment to ABSA's values and vision.

Competencies:

• Planning and organising
• Working with people
• Writing and reporting
• Financial analysis
• Applying expertise and technology
• Entrepreneurial and commercial thinking
• Persuading and influencing

Education

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

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Key accountabilities 

Execution

• Creating Test Cases, working from Business and Technical Requirements documents for guidance, and in partnership with business stakeholders for User Acceptance testing.
• Executing test cases and analyzing test results
• Logging understandable & actionable defects on the relevant system
• Certifying operation of changes/incidents in production environment
• Conduct thorough testing of applications to ensure functionality, performance, and reliability.
• Collaborate with cross-functional teams to understand project requirements and develop comprehensive test plans.
• Execute test cases, identify defects, and work closely with developers to resolve issues.
• Design and implement automated testing processes to streamline testing efforts.
• Perform regression testing and ensure the compatibility of new features with existing functionalities.
• Provide timely and detailed reports on test outcomes, including recommendations for improvement.
• Collaborate with business analysts and developers to enhance the overall quality of deliverables.

Planning 

• Plan test cases to ensure scop requirements are met.
• Map requirements to test cases and ensure that test plans are in place for all project related testing.
• Review requirements and other projects documentation to assure quality.
• Design and develop new test cases in line with the test strategy and plan.

Delivery & Support

• Attend test progress tracking sessions and requirements walkthroughs..
• Understand existing test cases and test data and execute the test cases and validate results in line with the project schedule.
• Use various tools properly, including defect tracking and test case execution tracking.
• Participate in team review of requirements / design documentation for purposes of test planning and to validate requirements testability.
• Provide test progress feedback as required.
• Ensure Test Procedure documentation is in place & updated.
• Escalate any unresolved defects to Team Leader

Test Closure

• Collect and consolidate the relevant data and information from the test plan, test cases, test logs, defect reports, test metrics, and stakeholder feedback.
• Create test summary reports.
• Provide final sign off and share best practices for future Testing.

Education and Minimum requirement:

• Completed Diploma or equivalent NQF level 5 qualification
• Experience in end-to-end Project and BAU Testing 
• Collections experience will be an advantage