MINIMUM EDUCATION
Bachelor’s degree with quantitative subjects.

PREFERRED MINIMUM EDUCATION
Honours Degree in Data Science / Computer Science / Engineering / Statistics / Mathematics or similar.

MINIMUM EXPERIENCE
2-3 years’ experience in a Data Science / Analytics / Academic (eg. postgraduate) role.

PREFERRED MINIMUM EXPERIENCE
3-5 years’ experience in a Data Science / Analytics / Academic (eg. postgraduate) role.

CRITICAL COMPETENCIES
Proficient with the usage of the Python.
Intermediate to advanced level knowledge of SQL.
Basic to intermediate level knowledge of the Linux OS.
Advanced analytics competency level demonstrated. 
Ability to produce effective data visualisations.
Mathematical modelling.
Technical report writing.
Presentation and communication skills.

ADDITIONAL COMPETENCIES
Able to effectively use Microsoft Office. 
Basic to intermediate level proficiency with the usage of AWS cloud technologies.
Able to work with unstructured data.

BEHAVIOURAL ATTRIBUTES

 Attention to detail
Deadline driven
Organised
Team player
Curious
Creative 
Innovative
Ability and willingness to learn and try new approaches
Enjoys solving difficult problems

KEY RESULTS AREA

Stakeholder Engagement and Expectation Management
Engages positively within data science team and with external stakeholders
Understands and delivers on agreed deliverables and business owner’s objectives
Keeps stakeholders informed of progress
Seeks assistance to overcome obstacles as they may arise
Ensure solutions developed can be practically implemented

Data wrangling and data preparation
Retrieve data from identified data sources (including unstructured data sources)
Validate, clean and filter data against identified criteria
Package data into correct format for further analysis or delivery
Create data sets as required for ad hoc analysis
Enhance data documentation where possible
Document data wrangling steps clearly

Analysis, reporting, data visualisation and communicating results
Ensures high quality presentations appropriate for diverse audiences to make informed decisions
Analyse data and verify results in terms of requested information by applying suitable standard and advanced univariate and multivariate statistical techniques 
Document process followed to determine findings from data retrieval to final outcomes
Prepare a written report of findings for distribution to direct manager for final approval
Prepare presentation for feedback to Exco or identified stakeholders
Communicate findings to relevant stakeholders in order to adopt recommendations

Statistical Model building and Machine Learning model building
Develop and maintain an understanding of relevant business processes
Review current processes for business opportunities by means of appropriate statistical models
Build statistical models to drive business strategies 
Understand and interpret specifications of the model from the business by liaising with different stakeholders
Prepare a project plan with requirements for completion of model
Prepare and analyse data 
Develop a descriptive or predictive mathematical or statistical model making use of available statistical tools
Validate the model in terms of requirements
Communicate the model’s performance (verbal and written) to relevant stakeholders
Prepare a presentation of results for presentation to Exco or identified stakeholders for final approval
Document specifications and process of model roll out working with Strategy Manager and bureau for deployment
Test and validate functionality of the implementation of the model in terms of requirements
Review current modelling methodologies in respect to international best practices

Model monitoring and refinement
Monitor models to determine predictive power is maintained on an ongoing basis
Analyse data in respect of models where outcomes are not in line with expectations to identify causes for variances
Identify and recommend suitable solutions in writing with evidence of the identified problem
Implement approved solution in terms of recommendation

Change Management
Write appropriate specifications needed to implement change process or recommendation after obtaining necessary approval from relevant committee
Oversee the changes to be done in consultation with Business Analysts
Test and validate functionality of the implementation process
Maintain complete documentation of any follow up changes
Enable audit and validations to be performed

Data ethics, governance and privacy
Understands legislation and comply with it, e.g. data privacy rules complied with
Ethics to be considered at all stages of work
Avoid unfair discrimination

Mentoring and training
Assist team members with new tasks in respect of unfamiliar aspects of the job
Train team members in respect of technical aspects and business aspects of the job as well as for succession planning

Research
Enhance existing models 
Alternative models, approaches and methodologies
Find new data sources
Find new ways of utilising and absorbing diverse data sources for business problems and to maximise value from data

Treating Customers Fairly  and Compliance
Create and maintain productive relationships with internal and external clients by providing advice and assistance
Create understanding of the ‘real’ versus ‘perceived’ need through experience and expertise while complying with company policies, legislation and regulations
Keep the client informed about progress through written communication, telephone communications, and/or face-to-face meetings
Build a positive image by exceeding client expectations at all times
Treat internal and external customers fairly at all times

Achievement of all Sales Targets & Growth
Sell, promote and Market the Banks Products and ensure that the following is achieved:
Retention of existing clients
Acquisition of new clients
Reactivation of dormant client
Achieve Sales Target as set by Management

Performance of Sales Activities
Promote and sell new products as the Bank introduce same from time to time
Phone clients for sales (Tele-Sales)
Generate Sales Leads
Follow up and make appointments with prospective clients
Follow up on status of workflow and applications being processed
Keep the client informed at all times with regards to the loan application status

Application Administration and Costs
Capturing of Loan Applications
Check loan application documentation for accuracy, authenticity and compliance to Policy and Procedures as well as completeness
Accurately capture all client information as per loan application and supporting documentation
Suspend or reject loan applications to be re-quoted as and when required. Explain the Loan Application Process to facilitate client understanding of the process
Explain Terms and Conditions of Banks Products to clients
Issue copy of Contract / Agreement to Client
Print loan agreement for client’s signature
Correct altered loan application information sent for rework and reprint for client’s signature

Sales Focus- Achieve branch growth, revenue and expense targets as defined by the bank
Maintain responsibility for the branches Profit & Loss and Budget
Determine the critical success factors for new customer acquisition and customer retention
Demonstrate expert ability to leverage the banks products inclusive of technology offerings to uncover and deepen opportunity, using the various marketing tools available in branch to present product offers and financial solutions to existing and potential customers
Work closely with Trade Area Manager on customer acquisition strategies and retention efforts and developing new marketing campaigns
Manage a book of customers with emphasis on cross selling and deepening customer relationships with the bank
Develop and execute market plan to achieve growth goals
Ownership for sales life cycle-from lead generation to disbursement
Engage in and promote all sales activities i.e. Check-Ins, Huddles
Responsible for day to day sales activities inside and outside the branch
Ensure the achievement of branch sales goals as assigned in the defined market and business segments/industries
Ensure all staff achieve individual sales and service goals as assigned
Work to maximise customer relationships across business lines
Represent the bank in local community organisations with the purpose of promoting the Banks image as well as uncovering potential business opportunities
Develop existing business relationships and prospect within the community for new commercial business
Maintain consistency and integrity of data
Provides direction, guidance and quality assurance to Reps Under Supervision

Risk & Compliance Management
Ensure preventative measures are carried out to fully comply with current rules, regulations and internal policies relating to risks pertaining to relevant legislation
Identify, evaluate and monitor and make recommendations deemed necessary to the respective risk and compliance champion in order to assess, reduce, eliminate or control any current or prospective risks to the bank arising from violations of, or non-conformance with, laws, rules, regulations, prescribed practices, internal policies, procedures and ethical standards
Responsible for implementing strategies to ensure operational integrity in the branch
Execute Branch functions / activities in adherence to Internal Audit standards (BPR)
Cash Management
People Management
Security Management
Asset Management
Compliance (NCA, Regulatory and Credit Policy)
General Operations
Risk Management
Ensure completion of Monthly Branch Self Audit Programme
Ensure Disaster Recovery capturing on monthly basis
Ensure OHS checklist completion and filing
Ensure quality assurance related to sound Manager Review practices
Ensure risk related to bad rate versus expected bad rate is managed within limits as set by the Bank
Ensure Non Deal Excellence is managed within limits as set by the Bank
Ensure Deal Excellence Error Rate is managed within limits as set by the Bank
Ensure compliance with FAIS journey inclusive of RE qualification parameters and guidelines as set by the Bank(Own & Team)

People Management and Development
Responsible for training and development of branch staff, assessing team member needs and finding resources to address applicable need
Working with HR, interview, hire and terminate branch team members
Conduct performance evaluations for all branch personnel
Conduct coaching activities with team members, principle coaching duties involve coaching to achieve sales excellence and ensuring the delivery of world-class customer service.
Identify and work with High Potential branch staff in the achievement of their developmental goals
Create a feeling of energy and excitement among team players. Promote the corporate vision and values
Ensure 100% participation and support for all staff on Bank training and developmental initiatives
Ensure People Knowledge Score is managed within limits as set by the Bank(Own & Team)

Customer Service
Create and maintain productive relationships with internal and external clients by providing advice and assistance
Create understanding of the ‘real’ versus ‘perceived’ need through experience and expertise while complying with company polices legislation and regulations
Keep the client informed about progress through written communication, telephone communications and/or face to face meetings
Build a positive image by exceeding client expectations at all times 5. Treat internal and external customers fairly at all times