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08-May-2025 |
14-May-2025 |
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| Permanent position in the Clerks sector/job category. |
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. |
| You applied for this position on . |
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09-May-2025 |
15-May-2025 |
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| Permanent position in the Junior Management sector/job category. |
1 - Achievement of all Sales Targets & Growth
1. Sell, promote and Market the Banks Products and ensure that the following is achieved:
2. Retention of existing clients
3. Acquisition of new clients
4. Reactivation of dormant client
5. Achieve Sales Target as set by Management
2 - Performance of Sales Activities
1. Promote and sell new products as the Bank introduce same from time to time
2. Phone clients for sales (Tele-Sales)
3. Generate Sales Leads
4. Follow up and make appointments with prospective clients
5. Follow up on status of workflow and applications being processed
6. Keep the client informed at all times with regards to the loan application status
3 - Application Administration and Costs
1. Capturing of Loan Applications
2. Check loan application documentation for accuracy, authenticity and compliance to Policy and Procedures as well as completeness
3. Accurately capture all client information as per loan application and supporting documentation
4. 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
5. Explain Terms and Conditions of Banks Products to clients
6. Issue copy of Contract / Agreement to Client
7. Print loan agreement for client’s signature
8. 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
1. Maintain responsibility for the branches Profit & Loss and Budget
2. Determine the critical success factors for new customer acquisition and customer retention
3. 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
4. Work closely with Trade Area Manager on customer acquisition strategies and retention efforts and developing new marketing campaigns
5. Manage a book of customers with emphasis on cross selling and deepening customer relationships with the bank
6. Develop and execute market plan to achieve growth goals
7. Ownership for sales life cycle-from lead generation to disbursement
8. Engage in and promote all sales activities i.e. Check-Ins, Huddles
9. Responsible for day to day sales activities inside and outside the branch
10. Ensure the achievement of branch sales goals as assigned in the defined market and business segments/industries
11. Ensure all staff achieve individual sales and service goals as assigned
12. Work to maximise customer relationships across business lines
13. Represent the bank in local community organisations with the purpose of promoting the Banks image as well as uncovering potential business opportunities
14. Develop existing business relationships and prospect within the community for new commercial business
15. Maintain consistency and integrity of data
16. Provides direction, guidance and quality assurance to Reps Under Supervision
5 - Risk & Compliance Management
1. Ensure preventative measures are carried out to fully comply with current rules, regulations and internal policies relating to risks pertaining to relevant legislation
2. 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
3. Responsible for implementing strategies to ensure operational integrity in the branch
4. Execute Branch functions / activities in adherence to Internal Audit standards (BPR)
4.1. Cash Management
4.2. People Management
4.3. Security Management
4.4. Asset Management
4.5. Compliance (NCA, Regulatory and Credit Policy)
4.6. General Operations
4.7. Risk Management
5. Ensure completion of Monthly Branch Self Audit Programme
6. Ensure Disaster Recovery capturing on monthly basis
7. Ensure OHS checklist completion and filing
8. Ensure quality assurance related to sound Manager Review practices
9. Ensure risk related to bad rate versus expected bad rate is managed within limits as set by the Bank
10. Ensure Non Deal Excellence is managed within limits as set by the Bank
11. Ensure Deal Excellence Error Rate is managed within limits as set by the Bank
12. Ensure compliance with FAIS journey inclusive of RE qualification parameters and guidelines as set by the Bank(Own & Team)
6 - People Management and Development
1. Responsible for training and development of branch staff, assessing team member needs and finding resources to address applicable need
2. Working with HR, interview, hire and terminate branch team members
3. Conduct performance evaluations for all branch personnel
4. Conduct coaching activities with team members, principle coaching duties involve coaching to achieve sales excellence and ensuring the delivery of world-class customer service.
5. Identify and work with High Potential branch staff in the achievement of their developmental goals
6. Create a feeling of energy and excitement among team players. Promote the corporate vision and values
7. Ensure 100% participation and support for all staff on Bank training and developmental initiatives
8. Ensure People Knowledge Score is managed within limits as set by the Bank(Own & Team)
7 - Customer Service
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 polices 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 |
| You applied for this position on . |
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12-May-2025 |
16-May-2025 |
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| Permanent position in the Middle Management sector/job category. |
1 - Sales Targets
1. Support the bank’s drive to a more diversified customer, channel and product capability. Support and drive the implementation of branch component of the bank’s strategy
2. Ensure the region meets the assigned targets in all product categories
3. Develop region specific plans to ensure customer growth and retention as well as revenue growth
2 - Manage Productivity
1. Capacity Planning
Ensure branches have adequate skilled staff of the right calibre in order to deliver on customer service and sales expectations
2. Planning and Scheduling of Work/Activity
2.1 Manage scheduling requirements within the branches in terms of contribution and targets of all products
2.2 Plan productivity targets and deploy daily/weekly/monthly prioritised work/Activity schedules with appropriate deadline targets and input levers
2.3 Set, monitor and review workload schedule
3. Productivity Control
Monitor and review productivity progress against deadline targets and output levers
4. Quality Control
4.1 Ensure that all productivity and in branch processes result in producing high quality deals and customer satisfaction
4.2 Ensure that all productivity and in branch processes adhere to the company’s internal controls framework
5. Branch Profitability
5.1 Optimise branch profitability taking into account local market potential and customer needs
3 - Manage Operational Performance
1. Develop and implement operational improvements
2. Ensure non value added activity that negatively impacts on the customer is reduced and eliminated in all operational processes
3. Influence, Manage & embed change journeys to meet current business requirements
4. Implement operational improvement processes to reduce risk, minimise costs and improve operational performance
5. Develop a high performance team and step change
5.1 Promote and uphold company performance standards, values driven culture and work ethic
5.2 Develop and implement initiatives required to deliver step change in the following aspects of the business:
6. Sales performance of new and existing products
6.1 Operational risk and compliance
6.2 Branch profitability
6.3 Productivity levers
6.4 Customer service
6.5 Product diversification
7. Operational excellence
7.1 Right first time- Doing things right for the customer
7.2 High Productivity
4 - Manage the human resource
1. Recruitment & Employment
1.1 Ensure all recruitment and employment is carried out in accordance to company procedure and in compliance with current employment law
2. Staff Training & Development
2.1 Establish goals and objectives for self and team and implement accordingly to help support/improve job performance (experience, ability & competence)
2.2 Be aware of and promote operational best practice and performance standards
2.3 Develop and monitor performance standards
2.4 Identify individual training needs
2.5 Implement, monitor and review training and developmental plans
3. Monitor and manage KPI’s
3.1 Achieve the Area Targets relating to Service, Customer Growth, Sales, Staff Engagement, Learning & Development, Personal Development, Costs, Fais, Risk and Compliance
4. Performance Management & Staff Appraisals
4.1 Monitor, review and address employee under performance, maintaining appropriate records in accordance with company procedures
4.2 Conduct and perform annual performance appraisals
4.3 Ensure the appropriate systems and processes are in place to measure and manage staff performance and to coach and develop a high performance team
5. Discipline & Grievance Procedures
5.1 Monitor, review and address employee under performance, liaising with the HR representative and maintaining appropriate records in accordance with the company procedures as required
5.2 Address any employee discipline or grievance issue, maintaining appropriate records in accordance with company procedures.
5 - Customer
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 |
| You applied for this position on . |
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12-May-2025 |
14-May-2025 |
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| Permanent position in the Clerks sector/job category. |
1 - Sales Focus- Achieve customer growth, revenue and collections targets as defined by the bank
1. Meet and exceed individual activity metrics for all product lines
2. Meet, exceed and effectively execute on all Sales & Customer targets as set by the Bank
3. Effectively execute the Banks sales strategy in respect of Product & Value Added Services(Up Selling, Cross Selling & Capital Take Up)
4. Outbound calling to target both existing and prospective customers
5. Convert all sales opportunities received through inbound customer requests, outbound calling, lead generation initiatives and customer queries
6. Establish, develop and maintain business relationships with existing and prospective customers to generate new business
7. Participates in cross selling bank products.
8. Maintain detailed tracking of pipeline management and of prospect data and activities
9. Set up in person visits, appointments and presentations, following up telephonically where necessary
10. Conduct a professional financial needs analysis to make a needs based analysis that may lead to a sale
11. Scheduling customer feedback for obtaining documents and progress updates
12. Adhere to Supervision requirements set out by Line Manager for all financial products
13. May prepare weekly, monthly and quarterly reporting and present results to management
14. Ensure effective Cash Management as and when required with approved authorization.
15. Ensure effective CAM Management as and when required with approved authorization
16. Ensure effective management of Credit Card Administration & Fulfilment as and when required with approved authorization
17. Ensure accountability for your own results
2 - Marketing Focus
1. Keep abreast of products and services, competitive activities, advertising and promotional trends in and around your branch
2. Identifying referral opportunities in and around the branch
3. Assists the branch in meeting goals by generating new business through marketing activities, promotions, telemarketing and targeted customer initiatives
4. Participates in events that demonstrate support for the community and increase business opportunities for the Bank
5. Ensure all marketing endeavours, activities and initiatives adhere to appropriate policies and procedures
3 - Risk & Compliance Focus
1. 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)
2. Comply with all policies/procedures related to all customer interactions and engagements
3. Ensure compliance with all regulatory requirements and the Banks compliance policies related to these requirements
4. Ensure the reporting of certain incidents and instances required in terms of regulatory requirements(AML)
5. Ensure the reporting of all fraudulent behaviour incidents and fraudulent indicator instances via the correct fraud and dishonesty reporting channels
6. Ensure effective execution of a “zero defect” prerogative in terms of the Deal Quality Error Rate
7. Ensure effective execution of a “zero defect” prerogative in terms of the Capturing of Income & Expenses Error Rate
8. Ensure compliance with FAIS journey inclusive of RE qualification parameters and guidelines as set by the Bank(Own)
4 - Customer Service
1. Ensure compliance with the Banks Customer Service Standard and relevant legislation
2. Ensure compliance with TCF principles
3. Ensure accountability for your own behaviours while helping team members to enhance their ability to engage with the Banks customers
4. Ensure you satisfy all the Banks customer’s financial needs and help them succeed financially
5. Ensure accountability for application quality and turnaround times, query resolutions and solution creation for the Banks Customers
5 - Training & Development
1. Responsible for ensuring you receive on-going sales/service development training for deficiencies as highlighted in your developmental/coaching plans
2. 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
3. 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
1. 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.
2. Perform other admin related duties as may be required by Management and Leadership structures of African Bank. |
| You applied for this position on . |
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09-May-2025 |
16-May-2025 |
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| Permanent position in the Middle Management sector/job category. |
MINIMUM EDUCATION
3 years relevant degree / diploma (e.g. Internal Audit, Credit, Banking, Risk Management, IT or Business Intelligence)
PREFERRED MINIMUM EDUCATION
Honours degree in Internal Audit or relevant honours degree (e.g. Credit, Banking, Risk Management, IT or Business Intelligence);
CIA / CISA, and
Data Science, Data Analytics, or Information Systems will be an added advantage.
MINIMUM EXPERIENCE
3 years Internal Audit or relevant experience (e.g. Credit, Banking, Risk Management, IT or Business Intelligence)
PREFERRED MINIMUM EXPERIENCE
5 years Internal Audit or relevant experience (e.g. Credit, Banking, Risk Management, IT or Business Intelligence)
CRITICAL COMPETENCIES
Audit & Risk Capabilities
Ability to execute audits from planning to reporting with minimal supervision.
Strong root cause analysis and risk assessment skills.
Expertise in regulatory compliance (Banking, Insurance, and Payment Systems).
Understanding of IT controls frameworks and their impact on financial and operational audits.
Leadership & Decision-Making
Strong judgment and decision-making skills, leveraging data-driven insights.
Ability to work under pressure, meet tight deadlines, and adapt to evolving risks.
Data & Digital Audit Capabilities
Advanced data analytics and data science skills: SQL, Python, R, Power BI, Excel (advanced functions), AWS or Azure.
Ability to build, automate, and interpret dashboards and predictive models for risk identification.
Familiarity with AI/ML techniques, anomaly detection, and process automation (e.g. RPA).
Use of data analytics in audit planning, fieldwork, and reporting.
ADDITIONAL COMPETENCIES Knowledge of
IFRS
SA Auditing Standards
Listening skills
Communication skills (written and verbal)
Customer focus
Adaptability
BEHAVIOURIAL ATTRIBUTES
Innovative mindset with a proactive approach to risk and control monitoring.
Independence, integrity, and professionalism in audit execution.
Strong team collaboration while maintaining assertiveness and objectivity.
SPECIAL REQUIREMENTS
Willingness to continuously upskill in digital audit tools, AI, and emerging technologies.
Ability to adapt to hybrid work models and leverage digital collaboration tools
KEY RESULTS AREA
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 programmes and relevant audit tests to be executed for manager approval
Internal Audit execution and review
Oversee and execute the following for identified audits:
Test all identified controls and identify weaknesses
Gather and maintain supporting documentation for each audit and control objective addressed
Prepare and maintain audit files (electronic or / and hard copy)
Reporting
Perform peer reviews on audit files
Perform follow-ups on audits previously conducted
Conclude & report findings
Compile audit reports and review findings prepared by team members (where applicable)
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.)
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
Build an internal brand of the internal audit team through always remaining relevant to the client’s business and strive to add value to the organisation
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
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09-May-2025 |
16-May-2025 |
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| Permanent position in the Professionals sector/job category. |
MINIMUM EDUCATION
Bachelor’s Degree relevant to the portfolio.
Relevant professional certification (e.g. PASA Certificate in Foundational Payments or Advanced Certificate in Electronic Payments, CIA, CISA, CA etc.)
MINIMUM EXPERIENCE
6-8 years relevant experience (including the banking / Finance industry), with specialization in the Payments; Account maintenance and Card Operations audit portfolio.
At least 2 years’ experience in banking and financial services environment specifically relating to
Group Operations, covering Payments operations; and Account maintenance
Interfacing with alliance partners (e.g. fintechs, payment processors, digital banks)
Card payments, acquiring, digital wallets, payment processing life cycle
Understanding risk in digital payments, EFTs, real-time payments, and fraud mitigation
Supervisory experience on audit projects.
Experience with audit of digital transformation initiatives, robotic process automation (RPA), and data analytics, will be an added advantage
CRITICAL COMPETENCIES
Audit & Risk Capabilities
Ability to execute audits from planning to reporting with minimal supervision.
Strong root cause analysis and risk assessment skills.
Deep understanding of banking operations and payment systems (e.g., EFT, SWIFT, Real-Time Payments).
Expertise in regulatory compliance (Banking, Insurance, and Payment Systems).
Knowledge of account lifecycle management, operational risk, and alliance partner service level oversight.
Excellent written and verbal communication
Thorough knowledge of bank policies, procedures and practices, particularly within Retail Banking and related products, with sufficient knowledge of laws and regulations governing banks including but not limited to:
S.A. Banks Act,
PASA
Ethics Code of Internal & External Auditors,
IFRS,
SA Auditing Standards,
Systems audit knowledge,
Proficiency in risk analysis and report preparation.
Results orientated and deadline driven
Leadership & Decision-Making
Ability to lead small audit teams and coordinate complex audit projects.
Strong judgment and decision-making skills, leveraging data-driven insights.
Ability to work under pressure, meet tight deadlines, and adapt to evolving risks.
Strong relationship-building and stakeholder management
Data & Digital Audit Capabilities
Advanced data analytics and data science skills: SQL, Python, R, Power BI, Excel (advanced functions), AWS or Azure.
Ability to build, automate, and interpret dashboards and predictive models for risk identification.
Familiarity with AI/ML techniques, anomaly detection, and process automation (e.g. RPA).
Use of data analytics in audit planning, fieldwork, and reporting.
Familiarity with digital transformation risks, RPA, AI, APIs, cloud-based services, and third-party risk.
ADDITIONAL COMPETENCIES
Ability to evaluate end-to-end digital processes and identify risks in automated environments.
Understanding of regulatory compliance within digital banking ecosystems.
Proven ability to adapt audit strategies for evolving digital platforms and external partnerships.
Experience engaging with technology, product, compliance, and operations teams.
Enthusiastic, self-motivated, effective under pressure and willing to take personal responsibility/accountability.
BEHAVIOURAL ATTRIBUTES
Integrity and independence.
Analytical and innovative thinking.
Assertiveness with diplomacy.
Self-driven, agile, and resilient in a fast-paced environment.
Team-oriented with the ability to collaborate across functions.
KEY RESULT AREAS
Internal Audit planning
Identify audit needs and areas for review and provide input to Internal Audit Manager regarding the annual plan
Integrate technology-focused risk assessments into audit planning.
Review digital workflows and RPA-enabled processes.
Incorporate risks associated with payments infrastructure and alliance partners.
Document processes to obtain an understanding of activities
Evaluate and score documented inherent risks
Evaluate and score documented management controls
Prepare audit programmes and relevant audit tests to be executed for manager approval
Internal Audit execution and review
Lead audits over payment systems, digital onboarding, transaction monitoring, and account servicing, 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 specialised 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 specialised skills / expertise is required.
Assess API integrations with fintech partners and outsourced service providers.
Evaluate internal controls within digital channels (e.g., mobile, online banking).
Apply data analytics to identify anomalies, trends, and control gaps
Audit Reporting and Insights
Deliver clear, risk-focused audit reports with digital control recommendations, and identify opportunities for improvement in the design and effectiveness of key controls
Provide insights on emerging digital risks and industry benchmarks.
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 and actuals) and competitors’ performance.
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.
Compliance and Customer-Centric Auditing
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..
Innovation and Audit Transformation
Champion adoption of analytics, RPA, and audit automation tools.
Contribute to the development of digital audit methodology within the team.
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 |
| You applied for this position on . |
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13-May-2025 |
21-May-2025 |
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| Permanent position in the Professionals sector/job category. |
THIS ROLE IS OPEN FOR JHB - MIDRAND; KZN - DURBAN and WESTERN CAPE - CAPE TOWN
1 - New business and deal origination
? Develop a strategy and detailed execution plan to attract new business within the assigned catchment area
? Actively source new franchise opportunities by networking with relevant role players, industry stakeholders, attending franchise events, and leveraging existing relationships with franchise owners and partners
? Ensure a continuous supply of quality leads and active participation in the region’s marketing initiatives. Provide business leads for all other business areas on a regular basis
? Structure deal/s and drive the application with an assigned Relationship Executive for the area Make recommendations to the applicable business area Obtain Division/ Credit approval, where applicable Interface with clients, preferably at the clients’ site
? Communicate the decision/ approval timeously to the client Handle objections to the clients’ satisfaction Introduce and hand over qualified clients to the Relationship Executive or relevant business unit
? Achieve contracted growth target, by compiling action plans to achieve set objectives and targets and monitor performance against plans
? Keep abreast of business trends in the assigned catchment area and on all competitors’ offerings and activities in the market. Understand relevant product features and benefits to address business needs
? Drive maximum product utilisation through profitable cross selling, refer leads obtained to relevant business areas. Follow up leads referred to other business areas
? Manage profitable pricing on new transactions and maintain acceptable credit risk within new business
? Maintain an acceptable risk profile of all new business acquired on all new applications, adhere to the Bank’s credit risk policies, processes and systems
2 - Financial structuring
? Collaborate with franchisees to structure financing solutions tailored to their needs, including loans, lines of credit, and other financial products
? Assist in determining the appropriate loan amount, interest rate, repayment terms, and collateral requirements based on the franchisee's business plan, financial projections, and creditworthiness
? Establish lines of credit with appropriate limits and terms tailored to the franchisee's cash flow requirements and borrowing capacity
? Assist in structuring lease financing agreements with favourable terms, including lease durations, payment schedules, and purchase options, to meet the franchisee's operational needs and financial constraints
? Using financial modelling techniques, forecast cash flows, assess the financial impact of different financing options, and evaluate the feasibility of franchisee’s investment plans
3 - Oversight and completion of administrative processes
? Draft contracts, franchise disclosure documents, and any other necessary legal agreements to ensure compliance with regulatory requirements and protect the interests of the bank
? Complete deal application/s and refer to applicable segment for approval of contract terms and conditions of the deal
? Conduct comprehensive due diligence by analysing financial statements, evaluating market potential, assessing regulatory compliance, and identifying operational risks associated with each franchising opportunity
? Ensure compliance with applicable laws, regulations, and internal policies throughout the deal-making process
? Maintain databases of potential deals, client contacts, and other relevant information to facilitate deal tracking and reporting
4 - Stakeholder engagement and management
? Serve as a point of contact for clients, stakeholders, and internal teams involved in deal negotiations
? Effective collaboration with internal teams such as legal, compliance, risk management, and finance throughout the deal structuring process
? Anticipate the needs and expectations and build a sound relationship with clients (client focused and obsessed)
? Engage with industry peers to share insights, exchange ideas, and identify potential collaboration opportunities within the franchise sector
? Preparing and presenting business cases, providing regular progress reports, and addressing any concerns or questions raised by senior leadership
5 - Training and development
? To manage career and personal development
? Partner with management in determining own future and career development
? Keep abreast of all relevant training interventions |
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08-May-2025 |
13-May-2025 |
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| Permanent position in the Skilled Technical / Specialist sector/job category. |
Training
All Sales Consultants will be expected to undergo the following training:
Sales training prior to going live on the phones
Product training. This will happen prior to a campaign being launched. Any Sales
Consultant working on a campaign will be expected to undergo the product training and
write a test for which they have to achieve 85% prior to commencement of dialing on that
campaign.
Refresher and other training will be arranged with Sales Consultants from time to time,
all Sales Consultants will be expected to attend these pre arranged training sessions
Quality of calls
Good quality calls will result in good quality sales and this in turn will result in future
business opportunities and a profitable and sustainable business.
It is critical that the Sales Consultant at the end of the call uses the correct Call Result.
The knowledge of definitions of Call Results and proper understanding of these is the
responsibility of the consultant.
It is critical that sound attempts to properly utilize all leads are made by the Sales
Consultant. A Sales Consultant must not waste leads, either through inaccurate usage of
call results or the lack of focus when a decision maker contact (i.e. telephonic contact with
the person on the database) is made.
All calls must comply with the agreed upon Code of Banking Practice and the FAIS Act.
Sales Consultants are required to ensure that all calls are of great quality. Call quality
will be evaluated by Quality Assurance, Supervisors and Sales Managers
Sales Process
Sales Consultants have to follow the sales process. Small deviations from the script in
the presentation may be tolerated, but under no circumstances must the introduction or
the closing be altered or omitted.
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 |
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08-May-2025 |
14-May-2025 |
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| Permanent position in the Professionals sector/job category. |
1 - Change Management and Business Rollout
Create change plans, flight plans for releases, timeous comms and readiness assessments.
Checks that all changes receive the relevant signatures as Business signoff.
Keep track of the status of the changes.
Responsible for the overall change management process (planning, approval, scheduling, implementation and closure)
Coordinate and conduct meetings, i.e., Change Hub, Change champions, Direct Channel Weekly Change update and Change Committee.
Performs risk assessment and impact analysis of changes logged
Plans and schedules changes
Ensures that all the activities designed to implement the change are as per the standards. The policies and procedures should be well defined, recognized, and reviewed.
Prepare change summary sheet that summarizes all Requests For Changes. This sheet helps the Personal Banking team to understand and evaluate the proposed change.
Contribute/Participate in change improvement plans
Reviews and close the change post-implementation and sign off.
Conducting post-implementation reviews to validate the results of the change request
2 - Providing support and compiling reports
Provide relevant status of changes to users
Attend to ad hoc enquiries from users
Arrange pre- and post-deployment meetings
Attend meetings
Reporting
Compile monthly reports for management purposes
Create and maintain productive relationships with internal stakeholders.
3 - Customer Service and Stakeholder Relationship Management
Create and maintain productive relationships with internal and external clients by providing advice and assistance.
Create an 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, telephone, 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.
4 - Ad Hoc Projects
Undertake ad hoc activities beyond the defined role, inclusive of integrated Channel Enablement
5 - IT Stories (feedback)
Be able to articulate the story/requirements from business – Jira and ABTFS.
Interaction with OMNI Solution engineering department to brief them on the story requirements.
Track status of the story
Keep stakeholders updated |
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08-May-2025 |
16-May-2025 |
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| Permanent position in the Professionals sector/job category. |
MINIMUM EDUCATION
Tertiary qualification, preferably a Degree in Business Informatics, Computer Science or IT related degree, and a Business Analysis qualification via FTI or other equivalent related institution.
MINIMUM EXPERIENCE
5 - 10 years working experience as a Business and/or Systems Analyst and must have participated in more than one software development project with multiple systems involved, preferably in the financial services industry
TECHNICAL COMPETENCIES
Strong problem-solving and analytical skills
Application knowledge of System Development Life Cycles
Experience in Waterfall methodology, exposure to Agile beneficial (including use of an Agile tool like JIRA or TFS, etc.)
Attention to detail / Information gathering
BPMN & related tools (e.g. ARIS, VISIO)
Excellent Communication Skills (written & verbal)
Experience in working with Technical Requirements, strong Technical Understanding and Technical Writing Skills
Information Engineering / Strong knowledge of how data gets applied during application design and testing and related Databases & Warehouses (SQL, DB2, APS, etc.). Sound competence in using query languages like SQL
Banking Industry knowledge & awareness of associated compliance and regulatory bodies
Exposure to Java systems
Knowledge of AB Lending related systems beneficial:
Origination – Capri (Blaze), Ebankit (OMNI workflow platform), Bolt (OMNI Queues platform) Exactus (AS400), Webservices & API’s and other digital platforms (e.g. Mobile App and Web applications)
MS product suites (Office, Teams and related Apps including storage applications like SharePoint, OneDrive, etc.)
Presentation skills
Project Management Skills to oversee / supervise and drive implementations
Quality assurance skills
Sound knowledge of business best practices where applicable
CRITICAL COMPETENCIES
Assertiveness
Professionalism
Strong self-management skills
Initiative / Pro-active
Organised
Innovative
Deadline & results orientated
Excellence orientated (focus on quality and accuracy)
Positive attitude and willingness to learn and share information (mentoring willingness)
Resilience
Leadership skills
SPECIAL REQUIREMENTS
Occasional overtime / weekend work required
KEY RESULT AREAS
Identify and analyse Business needs / opportunities
Elicit Requirements through JAD sessions; one on one interviews and workshops
Conduct GAP analysis where necessary
Assist/guide business in compiling the business requirements documentation
Review final business requirements documentation and sign off on acceptance
Compile business cases (if applicable) and make necessary recommendations. Focus should be on best possible design or solution for business need (this applies to the BRD where no business cases are applicable).
Create functional specifications – document the system solution for the developers to build such solutions.
Create Test Cases and plans – document the key scenarios for Testers to complete testing plan
Review functional specifications in order to ensure alignment with business strategy
Conduct systems, processes, policies and procedures analysis and identify failure root causes and make necessary recommendations
Conduct risk analysis and make necessary recommendations
Maintenance of the quality of all functional specifications
Arrange quality training and review sessions for Business / Test Analysts
Participate in Joint Application Design (JAD) sessions to give input and provide feedback on specifications other than your own
Review specifications and provide advice on completeness and accuracy and correct where necessary
Sign - off and check that all relevant parties have signed the specifications before handover
Coordinate spec handovers to Development managers / Test Analysts
Arrange specification handover meetings between Business Analysts, Development Managers, Developers and Test Analysts to ensure common understanding of business needs
Monitor and resolve queries raised by Developers and Test Analysts
Coordinate unresolved queries with Business if not present during handover
Monitor / ensure that specification documentation is updated with any additional requirements
Stakeholder Management Review Testing Requirements
Execute training / orientation to business where required
Collaborate with all stakeholders in designing the proposed solution
Basic Project Management - Manage expectations from stakeholders and communicate necessary information to all stakeholders timeously throughout the lifecycle of the project or change.
Monitor and resolve queries raised by developers and test analysts
Ensure common understanding of business needs between all stakeholders
Quality Assurance
Validate requirements (both system and non-system)
Validate testing requirements and guide test analysts where necessary
Identify QA steps and manage QA process
Conduct thorough BA functionality testing and sign - off testing from a UAT perspective
Guide business users in UAT testing where necessary
Regression test systems regularly against business rules (where required)
Ad hoc duties
Provide advice to Trainers on the impact of system and procedural changes and review training documentation where necessary
Investigate and resolve system bugs
Facilitate change orders
Assist internal clients like branches, other departments and audit with queries and investigations from a system and procedural nature
Assist in compiling and maintaining business rules, policy and repository documents
Coach Test Analysts and other BA’s in preparing comprehensive test cases
Provide systems training to the business from time to time
Provide in-house business related training
Systems Development life cycle and general change management process
Business Case Writing / BRD orientation
Sign - off change requests and review implementation plans and test results before a deploy |
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