Regular monitoring and Reporting on credit policy
Use advanced analytical skills for the creation of insight reports
Extract, create and analyse data in respect of reporting requirements highlighting (among other things):
Compliance with policy;
Any deviations in policy and the potential impact to the portfolio
Analyse reports in a bid to deliver insights and develop recommendations based on these insights
Develop actionable recommendations to amend policies in order to comply with the risk appetite of the business
Compare previous months and years data to identify anomalies and trends and prepare commentary for approval by direct manager
Liaise with relevant stakeholders to obtain insight to anomalies
Assist with presentations as required for meetings
Refine analytical methodologies and data presentation formats on an ongoing basis

Advanced Analytics
Execute advanced analytics to:
Investigate and identify opportunities or risks from a collections point of view.
Get fit-for-purpose data driven solutions to inform strategy.
Ensure the successful implementation of the strategies across the different areas of Collections.
Execution of analysis through the utilization of the available tools including SAS, MS Visual Studio (SQL), MS Excel, Python, etc.

Model building
Assist with strategic model building
Sourcing and preparing data for modeling purposes
Establishment of inputs into models
Testing accuracy of models

Change Management
Involves writing the appropriate specifications needed to implement a change process or recommendation, after obtaining the necessary approval from the appropriate committee.
Oversee the changes to be done (work with Business Analysts)
Liaise with other teams in testing and validating functionality of the implementation process as necessary
Test and validate the changes implemented
Ensure that signing off of the final implementation is done
Maintain complete documentation of the change and any follow up changes

Stakeholder and relationship management
Provide adhoc assistance where necessary
Communicate with other stakeholders such as team members and other departments
Manage projects so that deliveries are met and results are presented in a professional manner by means of presentations and or reports

Customer
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
Treat internal and external customers fairly at all times

Ad hoc model building
Assist with strategic collection model building that falls into the scope of the Collections Strategy team
1.1 Sourcing and preparation of data for modelling purposes
1.2 Establishment of inputs into the models
1.3 Validating the accuracy of the models
1.4 Evaluating the impact on business outcomes
Assist with the operational implementation of the model

Monitoring, Reporting and Compliance
Liaise with the data and reporting team to enhance daily / weekly / monthly monitoring to incorporate new strategies
Interpret and write-up findings in monthly monitoring reports
Ensure that monitoring is in place as soon as a champion/challenger or new strategy has been implemented
Summarise and present findings and proposals in document or presentation format in a professional manner
Keep abreast of regulations in the Collections environment and ensure that all work done complies with it

1 - Strategy Development
• Contribute to the development and improvement of the Group-wide platform strategy and framework, including the tools used to design the solution specific strategies
• Develop and implement strategies to enhance access to finance for underserved segments and identify key partners that will enable delivery of objectives
• Oversee the development and maintenance of a Financial systems platform toolbox, ensuring all areas align with the ecosystem strategy
• Continually seek to enhance and improve the frameworks and tools to maximise the utilisation and impact on platform solutions under development
• Optimise the standards and frameworks, where relevant, to stay aligned with Global Best Practice within the platform domain
• Define the product vision, goals, and priorities in alignment with the broader business strategy
• Oversee the ideation of concepts and products and ensure the identification of market opportunities, compilation of business cases, motivations, identification of correct partners and enablers, negotiating commercial agreements and ensuring implementation and commercialisation
• Ensure commercial viability within portfolio of solutions
• Monitor and evaluate the impact of access to finance initiatives, and adjust strategies as needed

2 - Technology/ Architecture and Design
• Evolve, adjust and shape the platform framework and model to be fit for purpose for the environment, collaborating with industry leaders, strategic external partners and key stakeholders
• Define, deploy, evaluate and support common platform standards and best practices, processes, tools and process/performance metrics across geographies encouraging re-use and driving network effect
• Support the development and activation of the platform domains community of practice which will focus on sharing best practices, creating new knowledge and supporting new and existing platform solutions practitioners
• Contribute toward the financial management of the Platform Domain budget by optimising the spend to ensure that the budget is being utilised as efficiently as possible

3 - Client Experience and Channel Performance Optimisation
• Provide consultation and advisory services to SME’s by conducting assessments, developing roadmaps, and providing recommendations tailored to SMEs' specific needs and objectives
• Utilise design thinking methodologies to empathise with clients, define problem statements, ideate solutions, prototype, and test iteratively
• Monitor and analyse channel performance metrics, including usage, adoption rates, client satisfaction scores, and revenue generation
• Identify opportunities for optimization and improvement to drive channel growth, efficiency, and profitability

4 - Data and Insights
• Curate the Platform Domain standards and frameworks to include the usage of data, measurement of KPIs and metrics.
• Embed data analytics and evidence-based decision making as a discipline within the Standard and Frameworks.
• Establish and report on key toolkit KPIs and synthesize insights from toolkit interactions to surface areas of improvement.
• Monitor progress for the implementation of the framework and standards against the roadmap, recommending changes in approach or adjustments to the model.
• Utilise an in-depth understanding of metrics in order to analyse and report on trends, issues, and improvements.
• Draw insights and best practices from the platform solution portfolio to optimise the standards and frameworks
• Support the curation of Lessons Learnt from portfolio projects to optimise assist future projects
• Monitor markets for new trends (and new businesses) which relate to markets where the bank and its businesses operate
• Document relevant case studies to assist with future projects
• Curate the library of content to support the body of knowledge and also curate and maintain the platform standards and frameworks

5 - Market Research and Competitive Analysis
• Conduct market research and competitive analysis to understand industry trends, client preferences, and competitive positioning within the business banking segment
• Identify emerging opportunities and threats in the market and develop strategies to capitalize on strengths and mitigate weaknesses
• Conduct market research, competitor analysis, and customer feedback analysis to identify market gaps and opportunities
• Stay abreast of industry trends, regulatory changes, and technological advancements to inform product strategy and positioning

6 - Product and Risk Management
• Define product features, functionalities, and specifications based on market research, client feedback, and industry trends
• Define key performance indicators (KPIs) and metrics to track performance and implement improvements to enhance efficiency, scalability, and cost-effectiveness
• Optimise the Platform toolbox and standards to integrate these risk processes and frameworks
• Implement security measures, data protection policies, and disaster recovery plans to mitigate risks and safeguard SMEs' sensitive information and assets
• Partner with the relevant Risk, Legal, Compliance and Audit functions to define and integrate the risk management processes, procedures, frameworks, methods and tools for Group policy, regulatory requirements

7 - Cross-Functional Collaboration
• Collaborate closely with internal stakeholders, including product development, marketing, IT, operations, and sales teams, to ensure alignment and integration across channels
• Foster a culture of collaboration and innovation, encouraging cross-functional teams to work together to deliver client-centric solutions
• Ensure a culture of continuous improvement by soliciting feedback from cross-functional teams and incorporating lessons learned into future collaboration efforts
• Work closely with sales teams to provide product training, develop marketing collateral, and support customer acquisition efforts
• Work closely with the risk management and legal teams to assess and mitigate potential risks associated with product offerings

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

2 - Management of Resources
1. Manage and develop subordinate(s): Performance management in terms of contracting, reviews and poor performers, Training and development, Employee relations
2. Manage people efficiencies through leave management, headcount budget, fixed term contracts, staff movements, secondments, staff utilization
3. Take appropriate disciplinary measures as required
4. Facilitate induction of new staff within one month of joining the organization
5. Motivate the team to achieve organisational goals

3 - Strategy Implementation
1. Implement strategic plans that align with the CPF National Strategy and bank's overall objectives. This involves setting financial and operational goals for the region and determining the best ways to achieve them
2. Conduct thorough market research to identify trends, opportunities, and challenges in the property finance sector. Using this information to inform strategic decisions and competitive positioning
3. Establish performance metrics to evaluate the success of strategic initiatives. Regularly reviewing and adjusting strategies to ensure they remain effective
4. Create strategies to expand the bank's property finance client base and increase market share. This includes identifying new business opportunities and fostering relationships with key stakeholders

4 - Business Development
1. Identifying and pursuing new business opportunities in the commercial property sector
2. Creating and executing business development plans to meet revenue and growth objectives
3. Conducting thorough research to understand market trends, customer needs, and competitor strategies
4. Developing new financial products or services tailored to meet the needs of clients in the property sector
5. Preparing and delivering presentations to potential clients and stakeholders
6. Forming strategic collaborative relationships with other business units to offer comprehensive solutions to clients
7. Negotiating contracts and terms with clients to secure deals
8. Implementing programs and services that enhance customer satisfaction and loyalty
9. Reporting on business development activities and outcomes to senior management

5 - Region Financial Performance
1. Manage and optimise real estate-related assets to maximise returns. This involves evaluating property portfolios and identifying opportunities for asset enhancement or divestment
2. Develop and manage the regional budget, forecasting future financial performance, and ensuring alignment with the bank's financial objective
3. Regularly monitor budget performance against targets, identifying variances, and implementing corrective measures
4. Collaborate with various stakeholders, including finance teams and department heads, to ensure a shared understanding of budgetary constraints and priorities
5. Ensure adequate liquidity levels are maintained to meet operational needs and client demands. This involves closely monitoring cash flows and funding requirements
6. Advise on the allocation of capital across various property finance projects to ensure optimal returns and alignment with the bank's strategic objectives
7. Develop strategies to increase revenue through enhanced customer engagement, new business opportunities, and cross-selling banking products
8. Implement strategies to optimise resource allocation and manage operational costs effectively in the region
9. Prepare and analyse balance sheet reports to provide insights into financial performance
10. Identify, assess, and mitigate financial risks associated with the balance sheet, such as interest rate risk and currency risk

6 - Risk Management and Reporting
1. Continuously identifying potential risks related to property finance activities, including market, credit, and operational risk
2. Develop and implement strategies to mitigate identified risks, establishing controls, and ensuring compliance with regulatory requirements
3. Prepare detailed reports for senior management, providing insights into the region's financial performance and operations
4. Utilise dashboard to present reports to enable decision making

7 - Client Retention and Management
1. Establish strong, long-term relationships with clients by understanding their needs and providing personalised service
2. Attend industry events, seminars, and conferences to connect with potential clients
3. Implement systems to gather and analyse client feedback. Using this information to make improvements and address any issues promptly
4. Keeping clients informed about new products, services, and changes in the market
5. Monitor market trends and competitor activities to ensure the bank remains competitive. Adjusting strategies accordingly to retain clients and prevent attrition

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

2 - Management of Resources
1. Manage and develop subordinate(s): Performance management in terms of contracting, reviews and poor performers, Training and development, Employee relations
2. Manage people efficiencies through leave management, headcount budget, fixed term contracts, staff movements, secondments, staff utilization
3. Take appropriate disciplinary measures as required
4. Facilitate induction of new staff within one month of joining the organization
5. Motivate the team to achieve organisational goals

3 - Strategy Implementation
1. Implement strategic plans that align with the CPF National Strategy and bank's overall objectives. This involves setting financial and operational goals for the region and determining the best ways to achieve them
2. Conduct thorough market research to identify trends, opportunities, and challenges in the property finance sector. Using this information to inform strategic decisions and competitive positioning
3. Establish performance metrics to evaluate the success of strategic initiatives. Regularly reviewing and adjusting strategies to ensure they remain effective
4. Create strategies to expand the bank's property finance client base and increase market share. This includes identifying new business opportunities and fostering relationships with key stakeholders

4 - Business Development
1. Identifying and pursuing new business opportunities in the commercial property sector
2. Creating and executing business development plans to meet revenue and growth objectives
3. Conducting thorough research to understand market trends, customer needs, and competitor strategies
4. Developing new financial products or services tailored to meet the needs of clients in the property sector
5. Preparing and delivering presentations to potential clients and stakeholders
6. Forming strategic collaborative relationships with other business units to offer comprehensive solutions to clients
7. Negotiating contracts and terms with clients to secure deals
8. Implementing programs and services that enhance customer satisfaction and loyalty
9. Reporting on business development activities and outcomes to senior management

5 - Region Financial Performance
1. Manage and optimise real estate-related assets to maximise returns. This involves evaluating property portfolios and identifying opportunities for asset enhancement or divestment
2. Develop and manage the regional budget, forecasting future financial performance, and ensuring alignment with the bank's financial objective
3. Regularly monitor budget performance against targets, identifying variances, and implementing corrective measures
4. Collaborate with various stakeholders, including finance teams and department heads, to ensure a shared understanding of budgetary constraints and priorities
5. Ensure adequate liquidity levels are maintained to meet operational needs and client demands. This involves closely monitoring cash flows and funding requirements
6. Advise on the allocation of capital across various property finance projects to ensure optimal returns and alignment with the bank's strategic objectives
7. Develop strategies to increase revenue through enhanced customer engagement, new business opportunities, and cross-selling banking products
8. Implement strategies to optimise resource allocation and manage operational costs effectively in the region
9. Prepare and analyse balance sheet reports to provide insights into financial performance
10. Identify, assess, and mitigate financial risks associated with the balance sheet, such as interest rate risk and currency risk

6 - Risk Management and Reporting
1. Continuously identifying potential risks related to property finance activities, including market, credit, and operational risk
2. Develop and implement strategies to mitigate identified risks, establishing controls, and ensuring compliance with regulatory requirements
3. Prepare detailed reports for senior management, providing insights into the region's financial performance and operations
4. Utilise dashboard to present reports to enable decision making

7 - Client Retention and Management
1. Establish strong, long-term relationships with clients by understanding their needs and providing personalised service
2. Attend industry events, seminars, and conferences to connect with potential clients
3. Implement systems to gather and analyse client feedback. Using this information to make improvements and address any issues promptly
4. Keeping clients informed about new products, services, and changes in the market
5. Monitor market trends and competitor activities to ensure the bank remains competitive. Adjusting strategies accordingly to retain clients and prevent attrition

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

 Management of Resources
Manage and develop subordinate(s): Performance management in terms of contracting, reviews and poor performers, Training and development, Employee relations
Manage people efficiencies through leave management, headcount budget, fixed term contracts, staff movements, secondments, staff utilization
Take appropriate disciplinary measures as required
Facilitate induction of new staff within one month of joining the organization

Develop a company Talent Acquisition plan
Develop a company Talent Acquisition plan that encompasses each of the strategies and plans for the various business units (including sub-segments)
Develop an in-depth understanding of the business unit strategies, processes / procedures / systems and business drivers in order to ensure that the Talent Acquisition plan align with the overall company objectives
Communicate the Talent Acquisition plan to relevant internal and external stakeholders
Organise and direct meetings on a regular basis whereby the Talent Acquisition plan is reviewed
Stay abreast of the developments in the fields of Talent Acquisition and Selection within the Telecoms and related industries and use this information to help the organisation operate with agility and innovation on a consistent basis

 Manage Talent Acquisition processes/procedures
Write the policies to ensure adherence to legislation
Manage fairness and consistency across all job applications to the company, ensuring adherence to the Labour Relations Act, Employment Equity Act and all policies and procedures
Manage Employment Equity targets
Build in-depth relationships with business stakeholders and develop an intricate understanding of the business context in order to facilitate search for optimal talent to meet the business requirements
Consult with Line Managers when a new job opening occurs to help them identify the exact skills set required, the best approaches to acquire talent for the position and to advise generally on the best method to fill the position for best long-term business results
Propose Talent Acquisition solutions to address any identified Talent Acquisition gaps in the company for sign off and approval by the line manager as well as the Exco
Develop and implement strategies to improve Talent Acquisition turn-around times in partnership with business

Proactively manage the following processes:
1) Talent Acquisition
2) Screening
3) Selection
4) The interview process
5) The assessment process
6) Reference checking
7) Offers
8) Regrets

Manage the sourcing of Talent through the use of various channels including direct search and headhunting as well as connecting with passive Talent and building a Talent pipeline
Discuss potential employees with the hiring manager to facilitate an appropriate hiring decision

Manage Job Analysis & Competency Based Talent Acquisition (CBT)
Manage the Job Analysis Process across regions, ensuring alignment thoroughly to the best practice
Perform quality checks on all Job Profiles drafted across the business to ensure alignment to quality standards
Update and maintain the competency list being derived from Job Analysis in the business
Design competency-based questionnaire interview guides that are relevant and aligned to hiring manager’s requirements for the position
Communicate to and educate the business on competency-based Talent Acquisition procedures and processes (behavioural interviewing) to gain buy-in

Financial Management
Implement monitoring processes that demonstrate return on 
investment of Talent Acquisition and Selection
Monitor the company Talent Acquisition budgets to ensure that 
they are consistent with the financial guidelines provided by the 
company for vacancies across the business
Manage new budgeted vacancies and replacement vacancies 
aligned to budget ensuring every position signed off is allocated 
correctly
Monitor Talent Acquisition and Selection activities and costs of 
the company related to the utilisation of resources required to 
meet Talent Acquisition requirements (e.g., external Talent 
Acquisition vendors)
Prepare a consolidated annual budget for Talent Acquisition
across the various business units within the company, analysing 
overall variances and directing corrective actions within the 
team
Clarify and certify any structural changes within the business and 
ensure signoff has been obtained for any new positions that has 
not been signed off in the initial budgeting process at the 
beginning of the fiscal year

Stakeholder Engagement
Build harmonious relationships with all stakeholders
Ensure that key stakeholders are communicated and consulted with at relevant intervals
Influence stakeholders to support, buy-in and operationalise HR processes and policies
Build relevant stakeholder engagement to ensure achievement of business objectives

Measurement and Reporting
Ensure that Talent Acquisition and Selection reports contain all relevant information from the various business units within the company which is in line with the reporting requirements for the overall Talent Acquisition function as a whole
Oversee the Talent Acquisition systems and ensure that they are in place that relate to goals and objectives of the company and report progress to the line managers and Exco
Communicate the Talent Acquisition plan for the company to the broader HR team and Line Managers
Manage the MS Projects Talent Acquisition tool and completion of weekly updates by HRBP’s & Talent Acquisition Coordinator
Ensure that the correct data is used to analyse and report on the effectiveness of Talent Acquisition and Selection initiatives within the company

Compliance & Risk
Comply with Corporate Governance surrounding equitable Talent Acquisition
Ensure compliance with Legislation i.e. BCEA, LRA, EE and SDA
Identify and report Talent Acquisition & Selection Risks
Ensure risks are mitigated

People Management
On-board new staff members to ensure quickest time to performance
Set meaningful performance targets for all employees and clearly outline efforts required to reach deliverables
Explain how work roles contribute towards overall strategic objectives
Support, coach and mentor staff
Develop and agree upon standards against which to measure behaviour and performance up front
Assess performance and behaviour
Provide regular, constructive feedback and reinforcement regarding performance
Counsel staff where behavioural problems arise
Give recognition for work well done
Encourage employees to adhere to company values
Work with staff to create individual development plans addressing employee and business needs, encouraging employees to participate in learning opportunities
Provide developmental assignments to staff based on career interests and business needs
Manage team performance, promoting cohesiveness and taking corrective action where necessary
Chair meetings to ensure team is updated with information required and in order to manage team direction and performance
Retain good performers

Miscellaneous
Perform any other work related duties and responsibilities that may be assigned from time-to-time by management