Latest Recruitment at Absa Bank Limited

Job Summary

• Responsible for recruiting and maintaining a portfolio of wealth clients, by selling a high-quality, relationship-oriented, financial planning service, supported by a dedicated Account Executive. Clients are recruited from the existing Bank customer base and externally with the aim of developing significant sales, and high levels of client satisfaction through a mutually beneficial relationship.
• The client relationship is managed on a highly proactive and ongoing basis over an extended period. Whilst part of a team, the jobholder operates on a mobile basis, meeting clients at times and locations convenient to the client

Job Description

Key accountabilities/Deliverables/Outcomes

Relationship Management and Cross-Selling: Time split 85%

• Be the first point of contact for customers in the portfolio
• Drive any required communication to customers in the portfolio
• Proactively target and recruit clients, through referrals from existing customer portfolios
• Proactively engage customers in existing portfolios to onboard close family members as part of the family banking strategy
• Ensure new customers meet CLM Involved measures upon handover from the Premier Acquisition team. Involved tracking will commence from Day 31 to Day 90 and will ensure continued account funding, digital usage and product holding
• Complete a detailed Customer Discussion Document for new customers upon hand-over from the Premier Acquisition team
• Ensure the customer portfolio meets CLM Engaged measures – account funding, digital usage, and product holding
• Drive increased assets balance sheet per customer, liabilities balance sheet per customer and revenue per customer through continued customer engagements
• Monitor and ensure funding of Zero Balance Accounts, Low Funded Accounts, Inactive Accounts, and Overdrawn Accounts in your portfolio as part of ensuring funding growth.
• Ensure ongoing reviews of the Customer Discussion Document for each customer in the portfolio and drive satisfaction through proactive identification of identified clients’ ongoing financial needs and cross-sale of required solutions.
• Actively drive cross-sale targets for the portfolio across product lines – Assets, Liabilities, FX, etc.
• Proactive engagement of required business specialists to support the fulfillment of customer needs
• Manage the client portfolio, making proactive contact on a regular basis and meeting clients at their convenience, and maintain an updated calendar/diary to track customer meetings
• Ensure customers in the portfolio are contacted/engaged as per the laid down Premier Customer Engagement procedures

Business Management: Time split 15%

• Ensure the targeted level of business results (i.e. income, balance sheet, costs, client satisfaction, and client recruitment) for the jobholder’s own portfolio are maintained
• Review portfolio on a regular basis recommending clients
• Adhere to standards, legal and regulatory, in accordance with the Absa Premier guidelines and Head Office instructions

Risk and Controls

• Ensure that all activities and duties are carried out in full compliance with regulatory requirements, Enterprise-Wide Risk Management Framework and internal Absa Policies and Policy Standards. Understand and manage risks and risk events (incidents) relevant to the role.

Role/person specification

Qualifications

• Bachelor’s degree from a recognized university

Experience

• Circa 2 years’ experience in High Net Worth Individuals relationship management, private banking, luxury sales, or related fields experience
• Record of achievement in a sales and service environment
• Experience in handling customer complaints
• Previous experience in handling operational risk issues

Knowledge and Skills

• In-depth knowledge of the full range of Absa Africa retail product set and services and an overview of corporate and small business services
• In-depth understanding of technical support systems e.g. Flex, BOC, IBOC
• Detailed understanding of the retail network business processes and operating procedures.
• Thorough knowledge of operating instructions and audit requirements.
• Good understanding of Absa Africa's risk policy
• Awareness of Absa Africa's retail strategy, operating structures, and interfaces
• Knowledge of Absa Africa people's policy and procedures
• Understanding of the local competitor market.
• Team leader experience

Education

Bachelor's Degree: Business, Commerce and Management Studies (Required)

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Job Summary

To drive and deliver exceptional Retail and Business Banking performance, through powerful branch leadership, team development, excellent customer experience and achievement of Operational & Controls rigor excellence in branches.

• Provide powerful leadership in the branch to deliver exceptional branch business growth and profitability.
• Drive implementation of business and service strategies, deliver Retail and Business Banking performance and growth targets in the branch.
• Maintain high level of bank standards and management controls to achieve operational & Controls rigor excellence, through strict adherence to operations and compliance policies and guidelines
• Establish a high-performance culture amongst the branch team.

Job Description

Key accountabilities/Deliverables/Outcomes

Accountability:  Business Growth – 60%

• Implement business strategic initiatives, create ownership of the branch performance targets. Agree branch execution plans/strategies and ensure they are aligned to the Banks overall strategy- Growth, Transformation and Returns.
• Diligently monitor branch business performance and make adjustments to the execution strategies accordingly.
• Manage branch portfolio risks in line with the bank’s portfolio appetite.
• In conjunction with the Regional manager and products development, conduct product review and product development through constant feedback from the market.
• Collaborate and coordinate the development and implementation of sales initiatives with other business functions such as CIB, Asset Finance, Bancassurance, Lead generation team to maximize on cross selling opportunities
• Conduct market intelligence to identify new market opportunities, customer trends, existing geographical strength, emerging government directives and changes in policy by regulators.
• Manage borrowing and non-borrowing accounts in the branch to enhance customer loyalty and retention.
• Harness existing staff potential and create new competencies in order to achieve competitive advantage.
• Lead the branch team to achieve its customer retention objectives, Transaction migrations from the counter to alternate channels, balance sheet growth goals and acquisitions. Support will include Achieving branch sales targets as well as participating and leading  sales activations
• Establish firm relationships with Top 200 clients and business influencers in the local area.
• Provide regular feedback to staff (individual/corporate) on performance (Sales, NPS etc.).
• Provide clear direction and guidance to branch staff on business objectives, translating and prioritizing them into business performance measures at branch level.
• Ensure proper controls, processes & procedures are adhered to at all times as per the laid down Absa bank policies.
• At all times, ensure branch is opened and closed as per the approved regulatory timelines. Operations staff are ready and equipped to serve customers. This includes opening and closing branch batch on the core banking system.
• Branch must maintain the look and feel as per the Absa bank standards.
• Ensure that Absa Bank’s policies are adhered to at all times when handling different products and solutions. Ensure adherence to all KYC & AML processes with regards to New to Bank business and acceptable TAT/Accuracy is observed at all times.
• Ensure all relevant system reports are printed, appropriately reviewed, signed off on timely basis and filed as per Absa Records Management policy.
• Ensure you and your team remain alert to the risk of financial crime and assist in the Banks efforts in combating it by adhering to the key principles in relation to: positively identifying your customers, knowing your customer, reporting suspicions, obtaining correct supporting documents in regard to LCT/OTT/FX Trades, safeguarding records and not disclosing suspicions to customers.
• In conjunction with the Branch Operation Lead - BOL, you are responsible for strict cost management in the branch by reviewing all service provider quotations before the work can proceed. In addition, BOL must conduct  regular reviews of the following cost elements:
  • Branch expenditure.
  • Equipment maintenance.
  • Overtime approvals.
  • Stationery consumption, telephones, electricity, water, travel etc.
  • Staff costs
  • Sundry losses
• Ensure compliance with operational, Security, controls and process risks requirements to avoid losses and prevent fraud arising from operational lapses and to protect Bank and customer assets.
• Ensure that the branch achieves a minimum of Satisfactory audit rating through continuous assessment and prompt closure of all audit exceptions sighted
• Ensure that relevant approvals for all transactions are sort at all times as guided in the laid down policies.

Accountability:  Internal Controls, Governance, Processes & Procedures - 15%

• Ensure proper controls, processes & procedures are adhered to at all time as per the laid down Absa bank policies through the BOL.
• At all times, through the BOL, ensure branch is compliant with all regulatory requirements i.e. opened and closed within the approved regulatory timelines, all approved licenses are in place and up to date etc.
• Ensure that Absa Bank’s policies are adhered to at all times when handling different products and solutions. Ensure adherence to all KYC & AML processes with regards to New to Bank business and acceptable TAT/Accuracy is observed at all times.
• Ensure all relevant system reports are printed, appropriately reviewed, signed off on timely basis and filed as per Absa Records Management policy.
• Ensure you and your team remain alert to the risk of financial crime and assist in the Banks efforts in combating it by adhering to the key principles in relation to: positively identifying your customers, knowing your customer, reporting suspicions, obtaining correct supporting documents in regard to LCT/OTT/FX Trades, safeguarding records and not disclosing suspicions to customers.
• Responsible for strict cost management in the branch by reviewing all service provider quotations before the work can proceed. In addition, BOL must conduct  regular reviews of the following cost elements:
  • Branch expenditure.
  • Equipment maintenance.
  • Overtime approvals.
  • Stationery consumption, telephones, electricity, water, travel etc.
  • Staff costs
  • Sundry losses
• Ensure compliance with operational, Security, controls and process risks requirements to avoid losses and prevent fraud arising from operational lapses and to protect Bank and customer assets.
• Ensure that the branch achieves a minimum of Satisfactory audit rating through continuous assessment and prompt closure of all audit exceptions sighted
• Ensure that relevant approvals for all transactions are sort at all times as guided in the laid down policies.
• Ensure all fees and commissions due to the bank are collected.
• Drive quality sales through actioning of unfunded accounts, uncollected credit cards and delinquency.
• Ensure Data privacy policies are always adhered to at the branch.

Accountability: Customer Experience - Time split 15%

• Branch must maintain the look and feel as per the Absa bank standards.
• Ensure excellent customer experience is always maintained.
• Ensure set TAT is always achieved.
• Appraise and promptly act on customer issues /complaints escalating as necessary to ensure timely resolution.
• Ensure set TAT on response to customer queries on phone, email or by letters is strictly adhered to.
• Ensure customer data is up to date.
• Ensure NPS score are maintained as per the set standards
• Co-ordinate branch initiatives aimed at gathering feedback from customers on service standards and advise leadership for improvements
• Provide leadership around customer experience at the branch
• Monitor the counter service to ensure customers are served within acceptable waiting time

Accountability: Capacity Building & People Management 10%

• Build and develop a high performing and motivated staff team in the branch by creating a conducive work environment, teamwork, regular duty rotations and effective succession opportunities to ensure maximum productivity.
• Help in resource planning, setting performance objectives and measures of success for direct reports and providing regular feedback on performance.
• Provide leadership by constantly offering training and guidance on the colleague’s expectations. Adequate coaching and mentoring of branch staff.
• Effectively manage, mobilize and coordinate branch resources (Staff, equipment, safe environment etc.) to achieve the common goals.
• Ensure the assigned e-learning and internal training activities for self and direct reports is undertaken within set timelines.
• Determine and manage Training Needs Analysis and Succession plans for direct reports and ensure they do the same for all their staff
• Manage performance/disciplinary issues/grievances for branch staff
• Management of leave/sickness

Role/person specification

Qualification

• University degree in a relevant discipline, post graduate qualifications will be an added advantage.

Experience

• At least 5 years Banking / Financial Services experience out of which at least 3 years in branch management with good track record of performance
• Prior experience in the banking industry; including experience in supervisory or managerial positions.

Knowledge and Skills

• Strong leadership, managerial, and interpersonal skills necessary to effectively lead and motivate teams, collaborate with stakeholders, and drive change within the branch.
• Strong leadership and Managerial Skills.
• Demonstrate effective communication skills, problem-solving abilities, and the capacity to motivate and develop staff.
• A solid understanding of financial products and services offered by the bank
• knowledgeable about lending procedures, investment options, regulatory compliance, risk management, and customer relationship management.
• A solid track record of achieving sales targets, & the ability to drive sales and deliver excellent sales target set by the bank.
• A good understanding of banking regulations, compliance requirements, and risk management practices to ensure that the branch operates within legal and ethical boundaries.
• Up to date knowledge of competitor and market activity in local area
• Detailed working knowledge of operational and credit risk policies and procedures for both Retail and Business Banking segments

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Job Summary

To lead the Credit Origination function for Business Banking, driving balance sheet and revenue growth through high-quality credit underwriting, portfolio optimization, and proactive risk management. This role ensures that all credit decisions align with the bank’s risk appetite while enabling sustainable business growth and supporting the Business Banking strategy, proactive portfolio oversight, ensuring compliance with internal credit policies and regulatory requirements.

Job Description

Key accountabilities/Deliverables/Outcomes

Accountability:  Credit Origination and Underwriting (Revenue & Market Share Growth – 40%)

• Oversee the assessment and structuring of credit facilities in line with customer needs and risk appetite. Lead the origination of new credit facilities to achieve business banking balance sheet and NII targets.
• Ensure quality credit assessment and structuring of deals to support
• Drive the achievement of key financial metrics
• Ensure timely and quality credit decisions that support revenue generation while maintaining credit standards.
• Contribute to sector risk credit appetite formulation by developing a strong understanding of key sector growth drivers and performance lead and lag indicators. Support embedment and understanding of sector risk acceptance criteria in deal origination and structuring by coverage teams.
• Demonstrate strong financial modelling capability to originate, evaluate, structure and present bankable transactions ensuring commercial viability risk transparency and alignment with credit standards and investment standards
• Covert complex model outputs into clear decision-ready insights for senior management and committees
• Work in partnership with Investment Banking team in deal structuring

Accountability:  Portfolio Risk Management (Sustainability Index – 35%)

• Ensure strong portfolio health by maintaining PAR within acceptable levels.
• Drive early warning, restructuring, and Exit Watch List (EWL) processes.
• Ensure rigorous oversight of covenant compliance, excess management, and deteriorating accounts.
• Uphold a robust control environment through timely reviews and credit risk reporting.
• Ensure RORWA thresholds set by the bank are met/tracked.

Accountability: Relationship Deepening and Customer Experience (15%)

• Collaborate with Relationship Managers to unlock additional value from existing portfolios.
• Improve Credit Client NPS through faster and more responsive credit processes by ensuring timely turnaround on credit reviews including New Business Committees, Internal Reviews and minimal RTSes
• Support customer engagement through joint visits and relationship deepening strategies.
• Support robust tracking of deal pipeline ensuring that deals originated are accurately tracked in the workflow tracking tools deployed the bank. In addition, track pipeline conversion and engage various stakeholders to unlock any challenges.

Accountability: Cost and Productivity Optimization (5%)

• Support delivery of the Business Banking efficiency ratio and headline earnings.
• Optimize resource allocation and productivity within the Credit Origination team.
• Contribute to the restructuring and recovery of struggling accounts in line with strategy.
• Contribute to capacity building within relationship and credit analysts teams by working alongside Credit and Learning & Development teams to facilitate trainings required to bridge credit/product learning gaps.

Accountability:  Credit Enablement, Stakeholder Engagement & Staff Management (5%)

• Partner with front-office and product teams to streamline credit processes and improve deal turnaround times.
• Lead initiatives to improve end-to-end credit workflow management and efficient TAT measurement.
• Foster collaboration across sales, product, risk, and operations to enable effective credit delivery.
• Support the Credit origination team and the team leaders in delivering effective performance.
• Drive proactive application of Absa values both personally and throughout the team.
• Coach and support colleagues within the Team

Role/person specification

Qualification

• Bachelor’s degree in finance, Accounting, Economics, or related field. Master’s degree or professional certifications (e.g. CPA, CFA, ACCA, FRM), Credit Certification (e.g., Omega, Moody’s, CFA Credit stream) preferred.

Experience

• Minimum 10 years in credit origination or credit risk; at least 5 years in a leadership role within Commercial or Business Banking.
• In-depth understanding of credit underwriting, financial analysis, risk mitigation, and portfolio management. Proficient in credit systems and tools.
• Experienced user of Commercial Credit Risk System (CCRS) or a similar system to analyse, monitor and report on credit applications.
• Good interpersonal skills that have been proven in a Business or Credit environment at a management level

Knowledge and Skills

• Deep understanding of credit policy, risk appetite, and structuring complex deals.
• Proven ability to lead and inspire high-performing teams.
• Strong commitment to client experience and internal collaboration.
• Ability to balance growth with prudent credit decisions.
• Results-oriented with strong process discipline and performance management.
• Knowledge of lending fundamentals, credit procedures and processes as laid out in the Absa Africa Wholesale Credit Risk Standards.
• Products and services frequently used by customers 
• Knowledge of Commercial Credit Risk System and other relevant bank systems.
• Awareness of legislation affecting the Bank and customers having the highest regard for confidentiality.
• A fair understanding of current issues including macro and micro economic environment.

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Job Summary

To plan, execute and manage audit assignments in accordance with the country and Group Audit plan and relevant policies, procedures and quality standards. The Audit Manager is responsible for the quality of the audit work performed and the efficiency and effectiveness of the audit team.

Job Description

Audit Planning

• Participate in the 6+6 audit planning cycle; provide input by taking into account the risk and control profile, business strategy and material risks affecting the business.

Assurance

• Plan the delivery of assigned audits to a high quality and in line with Key Performance Indicators as per the methodology. This will include adequate resourcing scheduling, meeting key deliverables in terms of audit timelines and review of audit work to confirm that the minimum requirements as per methodology are met.
• Manage the execution of Design Effectiveness Testing (DEA) and Operational Effectiveness Testing (OET) of the audit team in line with methodology requirements and as per the requirements of the QA scorecard.
• Ensure audits and issues assurance within Key Performance timelines and resource budget

Leadership and Management

• Mentor and coach less experienced team members by providing guidance around the methodology and audit process, and manage the teams that assigned to the audit effectively by delegating audit work to empower each individual team member
• Develop a high performing team by embedding formal performance development and informal coaching. Encourage frequent knowledge sharing between team members

Teamwork

• Support IA management team to identify, attract, develop and retain talent on an ongoing basis.
• Engage proactively with Internal Audit colleagues during assignments and request technical assistance where required and based on knowledge of business areas, provide guidance to other auditors and peers by sharing best practice so that their work meets and sometimes exceeds quality standards.

Relationship Management

• Present effectively at stakeholder meetings and forums (e.g.: Risk and Governance Forums etc.) by sharing knowledge and information, including methodology, standards, changes and new developments, with business stakeholders on an ongoing basis, and develop and maintain relationships with accountable stakeholder management on each audit.
• Build effective relationships with CoE counterparts and fully engage them during audit reporting

Reporting

• Use business knowledge to assess evolving risks, write high quality reports with observations which are insightful, address the root cause, have agreed actions that fully mitigate the risk, support the Issues Assurance process and require no further audit work to support them

Knowledge Management

• Continuous upskilling on both technical and other core competencies.
• Keeping up to date with industry trends, regulatory changes and professional standards
• Develop an in-depth knowledge of the methodology, by attending training sessions and using knowledge gained during audits, use this proactively in executing audit activities.
• Based on knowledge of business areas, provide guidance to other auditors and peers by sharing best practice so that their work meets and sometimes exceeds quality standards

Preferred Qualification

• B Degree (Computer Science, Information Technology, Cyber Security, Informatics, Statistics or similar technology-related field); and/or
• Honours (Computer Science, Information Technology, Cyber Security, Informatics, Statistics or similar technology-related field)
• CISA or CISM, CISSP or international equivalent certification.
• CIA (Levels 1,2 or 3) and CPA (T) or ACCA will be an advantage

Preferred Experience

• Audit roles – experience in risk-based auditing or risk/control activities.
• Relevant professional qualifications (e.g. CISA)
• Relevant Financial services experience gained through auditing or line management
• Practical understanding of relevant regulatory environment
• Proven track record of high performance in previous roles
• Experience in auditing at senior level for at least 5 years.

Knowledge and Skills

• Minimum of 5 years’ experience in performing technology and cyber related work Internal/External audit or commensurate experience in a major financial institution
• 5 years’ experience in Technology and Cyber Risk Based Auditing or Risk/Control activities
• 3 Years experience in managing a team
• Experience in drafting test strategies and testing IT general controls, application controls, cyber and information security risks and controls. 
• Ability to articulate complex issues clearly 
• Displays good knowledge of Technology and Cyber in the Financial Industry including related Banking processes
• Awareness of regulatory and compliance environment Level
• Manage time, resources and budget effectively Level
• Industry and product knowledge