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 - Procurement and Contract Lifecycle Management
Facilitation of tender processes which includes working with the respective business units to determine the requirements (scope of work), sourcing of prospective suppliers, supplier briefing, analysis of submissions and recommendations, issuing of award and rejection letters and contracting.
Lead contractual negotiations and assist with drafting/reviewing and execution of contracts;
Ensures that contracts specify the outcomes required, together with clear criteria relating to costs, quality assurance, and service standards;
Collaborate with the Legal team and provide input in the negotiation of overarching legal agreements;
Ensure that the terms of contractual agreements are written in language that is legally binding and in accordance with the requirements from business;
Analyse price proposals, financial reports, and other data to determine reasonableness of prices and ensure that pricing is within allowable cost budget;
Ensure that agreements are signed by the respective parties and in line with DOA,
Serve as the main liaison for all contracting activities with internal and external stakeholders;
Conduct commodity value spend analysis to identify contract opportunities;
Stay up to date on industry trends and new products to determine appropriate pricing, cost saving and cash conservation opportunities;
Assist with drafting or updating of new or existing contract templates.

Responsible for the proactive management of contract lifecycle milestones for a portfolio of contracts i.e. investigate the need for contract extensions and terminate contractual relationships upon completion if required;
Evaluates or monitors contract performance to determine necessity for amendments or extensions of contracts, and compliance to contractual obligations;
Investigate contract breaches and ensure that the respective remedies are carried out;
Assist in standardising, simplifying and speeding-up functional processes thus eliminating duplication;
Provide licensing recommendations to reduce spend and ensure compliance;
Ensure that all projects and contract related tasks are delivered within the agreed timelines;
Assumes responsibilities for additional projects, tasks as assigned by the Manager and shows professionalism in all aspects of work when to requested carry out other reasonable duties and responsibilities not specifically mentioned in the job description during the course and scope of employment;
Assist with drafting of supplier letters/communication such as termination letters, tender documents etc.
Conduct regular gap analysis on allocated portfolio with respect to contractual artefacts and procurement policy requirements.

2 - Stakeholder engagement and satisfaction
Create and maintain productive relationships with upper management as well as internal and external stakeholders;
Provide expert advice to key stakeholders on all procurement and contract related activities (including contract best practice and procurement policy requirements),
Develop and implement strategies to meet business needs, enhance stakeholder engagement, and challenge and motivate providers to optimise service outcomes;
Demonstrate continuous effort to decrease turnaround times, streamline work processes, and work cooperatively and jointly to provide quality seamless customer service both internally and externally;
Keep internal and external stakeholders regularly updated on progress through written communication, telephone communications, and/or face-to-face meetings where required;

3 - Supplier Monitoring
Ensure that supplier reports are received by the agreed date and circulated to the respective business units;
Validation of Supplier stats against internal data;
Analyse the data available to determine the levels of service achieved and identify SLA breaches;
Where SLA breaches are identified, determine if penalties are due and instigate actions were required to rectify poor performance;
Conduct regular internal and external service review meetings to actively monitor progress against issues and ensure that the agreed level of service is maintained;
Ensure that all internal and external supplier meetings are minuted and shared with the respective stakeholders;
Finalisation of outstanding items arising from meetings (issues, Service level credits etc.)
Analyse performance metrics and make recommendations to assist in improving service outcomes.

4 - Data Storage and Reporting
Storage of all tender related documentation;
Maintain a detailed contract register for all material supplier contracts and other contracts as agreed with management from time to time. Ensure that the integrity and quality of data is relevant and of the required standard;
Ensure that all contractual artefacts, minutes, supplier reports and statistics, compliance certificates etc. are uploaded onto the document repository;
Prepare weekly reports on all contractual, supplier management and procurement activities;
Active reporting on non- adherence to policy and process (internal and external);
Preparation of adhoc reports as required by Management from time to time;
Develop preferred supplier lists (including professional services) and ensure the list is updated at all times and relevant agreements are kept valid through the use of the supplier;
Ensure that the License Register is regularly maintained;
Assist with Conflict of interest and supplier risk reports.
Assist with monthly Exco reporting.

5 - Risk and Compliance
Research regulations to guarantee that contracts are updated and in compliance with laws;
Ensure contracts are compliant with the respective African Bank policies;
Monitor compliance with the Procurement Policy and ensure that the necessary dispensation is obtained where procurement policy requirements are not met;
Assist with maintaining a risk register for the GSSR team;
Custodians of Policies pertaining to Procurement, Petty Cash, Travel and sustenance, Conflict of interest and Pool cars and annual review of the respective policies;
Conduct annual or more frequent assessments and reviews of the entire Supplier Management (contracting and monitoring) processes;
Provide support on all audits (internal and external);
Manage annual outsourcing return to the SARB.
Assist with reviews of conflict of interest disclosures and monitoring;
Assist with analysis and monitoring of Supplier Risks.

6 - 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

7 - People Management
Assist the Manager with training new and existing staff;
Regular engagements with the team to drive a culture of teamwork and collaboration;
Assist with ongoing learning and development of staff to drive high performance;
In the absence of the Manager and Assistant Manager or where required, assist with assigning tasks to employees to keep business running smoothly;
Where requested, oversee tasks/projects allocated to team members.

Internal Audit planning
Identify audit needs and areas for review and provide input to Internal Audit Manager regarding the annual plan
Review Operational Risk and other appropriate documentation prior to commencement of review (including best practice).
Document processes to obtain an understanding of activities 
Evaluate and score documented inherent risks
Evaluate and score documented management controls
Prepare audit programes and relevant audit tests to be executed for manager approval

Internal Audit execution and review
Lead audit engagements covering the assigned portfolios including risk assessments, audit planning, audit testing, control evaluation, gather and maintain supporting documentation for each audit and control objective addressed, audit report drafting and follow-up and verification of issue closure.
Conduct review of working papers, report and audit files prepared by Internal Audit Specialists for completeness and quality (where applicable).
Accountable for meeting deliverables timely, adhering to departmental and professional standards and utilizing consistent methodology.
To provide guidance and execute specialized audits for the portfolio, including the provision of industry/ best practice knowledge to enhance the audit process and the audit report.
Execution of sections of the audits where additional specialized skills / expertise is required.

Conclude & report findings
Communicate audit findings to management and identify opportunities for improvement in the design and effectiveness of key controls.
Conclude on audit opinion in reports (in executive summary) based on results of audits executed. 
Discuss reports with senior management and obtain management comments and target dates.
Assist in the preparation of ad hoc reports (e.g. Exco, Audit Committee, Reserve Bank etc.).
 
Portfolio Management
Stakeholder Engagement
• Regular Portfolio discussions with key stakeholders. 
• Quarterly and annual insights presentation on portfolio to IA team incorporating insights received from engagement with stakeholders. 
• Portfolio risk assessment discussion prior to mid - year risk assessment and year- end audit planning session (at a GIA level that feeds into the annual audit plan).
Portfolio Reporting
• Provide regular reporting to IA management and the IA team on:
• Changes in the portfolio’s organizational structure and key stakeholders
• Updates from stakeholder meetings (insights), financial performance (aspirations 
New products, processes, initiatives and any other significant matters and changes.
Portfolio Issues Tracking 
• Ensure outstanding issues log is up to date for the portfolio.
• Monthly engagements with owners of actions. 
• Foresight before issues become overdue and concerns raised in writing at the relevant governance forum. 
Governance Committees
• Participate in quarterly meetings with ERM and Compliance in preparation for Combined Assurance meeting, future audits, Combined Assurance, Risk Exco and Audit Committee reporting. 
Collaboration with other GIA teams 
• Formalized knowledge sharing sessions with other portfolios within GIA
• Investigate, recommend and apply most appropriate audit tools for reviews under the portfolio and within the department.

Treating Customers Fairly and Compliance
Create and maintain productive relationships with internal and external clients by providing insight.
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.
Build and maintain key relationships with stakeholders, establishing a culture of engagement while adding value.

Brand building and service delivery 
Create and maintain productive relationships with internal clients through continuous conversations and being accessible.
Assist the client to understand their role relating to risks and controls as well as Internal Audit’s role in providing an
independent assessment of risks and controls.
Encourage management in considering risks in the decision-making process
Keep the client informed about changes in legislation/industry trends and current audit findings through written communication, telephone communications and interpersonal meetings.

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.