1 - 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

2 - 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

3 - 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

4 - 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

5 - 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)
1. Cash Management
2. People Management
3. Security Management
4. Asset Management
5. Compliance (NCA, Regulatory and Credit Policy)
6. General Operations
7. 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)

6 - 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)

7 - 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

1 - 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

2 - 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

3 - 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

4 - 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

5 - 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)
1. Cash Management
2. People Management
3. Security Management
4. Asset Management
5. Compliance (NCA, Regulatory and Credit Policy)
6. General Operations
7. 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)

6 - 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)

7 - 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

1 - Performance Management
Complete all testing jobs assigned to them in a timely manner and to a high standard.
Assisting with mentoring and coaching of other staff when required, both as part of their PDP and as part of the ongoing development of the team’s skills matrix.

2 - Team Building
Assist in the promotion of the Software quality assurance team throughout the business.
Promoting effective communication amongst the team and with other departments.
Active participation in team building activities

3 - Technical Knowledge
Understanding of ISEB testing techniques and their practical application.
An appreciation of the role of testing tools in the QA Department.
A sound knowledge of databases and systems.
Understanding of the roles of change management and business implementation.
Compliance with the procedures laid down within the QA Department.

4 - Process Management
Familiarity of the role of QA within the Development lifecycle.
Compliance with the procedures laid down within the QA Department and assisting in refining these processes.
Documentation of testing performed to the standard required from the QA Department.
Assisting in knowledge transfer throughout the department.
All defects correctly logged and issues escalated as appropriate

5 - Treating Customers Fairly
Adherence to all regulatory requirements for example ABIL rules and principles, Data Protection act and Money Laundering regulations. Awareness of the groups policies and procedures and the regulations relevant to the role.

6 - Solution Design and Test Planning
Document

1 - Sales Focus- Achieve customer growth, revenue and collections targets as defined by the bank
• Meet and exceed individual activity metrics for all product lines
• Meet, exceed and effectively execute on all Sales & Customer targets as set by the Bank
• Effectively execute the Banks sales strategy in respect of Product & Value Added Services(Up Selling, Cross Selling & Capital Take Up)
• Outbound calling to target both existing and prospective customers
• Convert all sales opportunities received through inbound customer requests, outbound calling, lead generation initiatives and customer queries
• Establish, develop and maintain business relationships with existing and prospective customers to generate new business
• Participates in cross selling bank products.
• Maintain detailed tracking of pipeline management and of prospect data and activities
• Set up in person visits, appointments and presentations, following up telephonically where necessary
• Conduct a professional financial needs analysis to make a needs based analysis that may lead to a sale
• Scheduling customer feedback for obtaining documents and progress updates
• Adhere to Supervision requirements set out by Line Manager for all financial products
• May prepare weekly, monthly and quarterly reporting and present results to management
• Ensure effective Cash Management as and when required with approved authorization
• Ensure effective CAM Management as and when required with approved authorization
• Ensure effective management of Credit Card Administration & Fulfilment as and when required with approved authorization
• Ensure accountability for your own results

2 - Marketing Focus
• Keep abreast of products and services, competitive activities, advertising and promotional trends in and around your branch
• Identifying referral opportunities in and around the branch
• Assists the branch in meeting goals by generating new business through marketing activities, promotions, telemarketing and targeted customer initiatives
• Participates in events that demonstrate support for the community and increase business opportunities for the Bank
• Ensure all marketing endeavours, activities and initiatives adhere to appropriate policies and procedures

3 - Risk & Compliance Focus
• Ensure deal quality is a premium by reviewing and completing product applications with the customer timeously and accurately utilising all the necessary Bank tools and training to mitigate risk (Biometrics & Fraudulent Indicator Identification)
• Comply with all policies/procedures related to all customer interactions and engagements
• Ensure compliance with all regulatory requirements and the Banks compliance policies related to these requirements
• Ensure the reporting of certain incidents and instances required in terms of regulatory requirements(AML)
• Ensure the reporting of all fraudulent behaviour incidents and fraudulent indicator instances via the correct fraud and dishonesty reporting channels
• Ensure effective execution of a “zero defect” prerogative in terms of the Deal Quality Error Rate
• Ensure effective execution of a “zero defect” prerogative in terms of the Capturing of Income & Expenses Error Rate
• Ensure compliance with FAIS journey inclusive of RE qualification parameters and guidelines as set by the Bank(Own)

4 - Customer Service
• Ensure compliance with the Banks Customer Service Standard and relevant legislation
• Ensure compliance with TCF principles
• Ensure accountability for your own behaviours while helping team members to enhance their ability to engage with the Banks customers
• Ensure you satisfy all the Banks customer’s financial needs and help them succeed financially
• Ensure accountability for application quality and turnaround times, query resolutions and solution creation for the Banks Customers

5 - Training & Development
• Responsible for ensuring you receive on-going sales/service development training for deficiencies as highlighted in your developmental/coaching plans
• Responsible for participation in and successful completion of all product and services training and developmental initiatives that have a bearing on your on-going value proposition to the Banks customers
• Responsible for 100% participation in and successful completion of risk and compliance training initiatives that have a bearing on your on-going value proposition to the Banks customers and additional regulatory, statutory and compliance obligations of the Bank

6 - Operational Activities
• Responsible for ensuring compliance with all security and safety procedures within the branch including opening and closing procedures, camera surveillance where appropriate. Branch security, robbery, fire drill procedures and health and safety procedures and SOP’s.
• Perform other admin related duties as may be required by Management and Leadership structures of African Bank.

1 - Compliance Framework
1. Work closely with and support the Head: Fintech Banking in establishing a compliance wide framework, incorporating:
1) Compliance framework and methodologies;
2) Strong compliance culture with Fintech Banking and our partner network.
3) Implementation of standardized compliance monitoring activities and plans;
4) Compliance alerts;
5) Digital compliance capabilities and tools;
6) Policies, procedures and template documentation;
7) Compliance training.

2 - Analysing Statutory requirements and Providing Advice
1. Determine all relevant laws and regulations pertaining to the activities of Fintech Banking;
2. Develop/review risk management plans in accordance with best industry compliance practice;
3. Regularly engage with and advise management and compliance champions of the requirements in order to determine the necessary controls and ensure update or amendment of operational procedures;
4. Analyse and advise on adequacy of controls to management and compliance champions;
5. Interpret, advise and consult with various business functions on issues in respect of legislative requirements;
6. Consult widely with regulatory bodies and industry on interpretation and application of laws.

3 - Monitoring and Reporting on adherence to Statutory
1. Determine and advise the level of compliance for Fintech Banking and its partner network;
2. Develop a compliance monitoring action plan and scope based on identified areas of risk, as well as from receipt and analysis of findings from other combined assurance stakeholders (Risk and Internal Audit)
3. Execute compliance monitoring of the Fintech Banking function and Fintech Partners;
4. Prepare compliance monitoring reports on same within timeframes;
5. Advise management and compliance champions of deficiencies and recommend corrective action;
6. Maintain an issues log of deficiencies and monitor the implementation of corrective action;
7. Report instances of non-adherence to the Group Compliance Officer;
8. Prepare the necessary compliance reports for submission to the various bank committees as requested by the Group Compliance Officer and any regulators

4 - Compliance to Statutory and Regulatory and other Requirements
1. Draft and maintain compliance policies and manuals for approval by the Board as requested by the Group Compliance Officer;
2. Ensure that standard policy and process documents are in place for the Fintech Banking business unit and that these are regularly reviewed and updated;
3. Creating awareness of legislative requirements and ensuring that Fintech Banking staff and partner network are aware of and competent in all aspects of Compliance, inter alia through; Conducting presentations, Issuing compliance alerts, Publishing documentation on the intranet & Drafting communication and advice for internal use.
4. Prepare, advise and provide training in respect of new or amended laws and regulations. Prepare training material as required and monitor educational outcomes by maintaining training registers.
5. Prepare information for management for presentation at various levels within the organisation including to the Board, Executive and Divisional Management on developments in the regulatory environment.

5 - Communicating with Regulatory Bodies
1. Liaise with and report to regulatory authorities as determined by the Group Compliance Officer;
2. Consult widely with such regulatory bodies on interpretation, application and level of adherences to laws and regulations;
3. Manage and assess the quality of regulatory reporting;
4. Respond to any enquiries from the regulatory bodies;
5. Liase with business regarding special requests from Regulators and facilitate corrective action where required;
6. Co-ordinate and facilitate on site regulatory audits whenever requested;
7. Prepare Information for the Board on relevant regulatory interaction as requested by the Group Compliance Officer.

6 - Stakeholder Engagement
1. Build and maintain productive relationships with internal and external stakeholders (Fintech partners and industry participants) in respect of compliance activities and planning, 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. Maintain high levels of customer service and professional delivery;
4. Keep partners and other stakeholders informed about progress through written communication, telephone communications and/or face to face meetings.
5. Build a positive image by exceeding client expectations at all times
6. Treat internal and external customers fairly at all times

7 - Professionalism and team work
1. Ability to engage with and work supportively with team members;
2. Ability to add value to the efficiency of the Fintech Banking business unit through process and systems enhancement including documenting and implementing these enhancements;
3. Ability to inspire team members by setting an example of professional behaviour including: quality of work, meeting deadlines, communicating timeously with stakeholders, giving feedback, working additional hours where required through deadlines or urgent issues to be attended.

8 - Other / General
1. Assisting the Group Compliance Officer or designate with any other requirements relating to ensuring the successful delivery of output of the Group Compliance Team