To apply, click on the link at the end of the posts and all the best with your applications

Human Capital Business Partner

Job Description

To consult, advise and coach managers and employees by implementing Human Capital processes and workforce solutions.

Responsibility

• Understand the communities in which business operates and identify key programs/initiatives to support business in becoming a social enterprise.
• Drive innovation and agility through workforce development.
• Curate the workforce with non-traditional talent.
• Forecast future capabilities and enable continuous learning.
• Facilitate and participate in intentional collaboration within and across teams to support disruptive thinking and the development of holistic solutions to business problems.
• Support leaders and teams to be deliberate and intentional in collaborative thinking and partnerships in addressing business problems and developing holistic, integrative solutions.
• Facilitate an environment of innovation and reimaging the future world of work by implementing organisational development initiatives that support a culture of curiosity; learning; trust; and open, honest conversations with teams and leaders.
• Support leaders and teams to navigate through uncertainty and ambiguity.
• Implement management and leadership programs that build change leadership and resilience.
• Collaborate with specialist Human Capital teams to understand new ways of working to support future world of work thinking, understand people levers and impact on profitability and creation of shared value.
• Actively listen with the intent of providing sound and balanced Human Capital advice.
• Coach leaders to improve overall performance and build confidence in leading and managing teams on key Human Capital initiatives.
• Motivate and keep Human Capital team engaged to deliver quality advice and solutions.
• Coach leaders and employees on the interpretation and application of key Human Capital concepts, using active listening and deep understanding of business problems identified, and solutions developed.
• Coach leaders and employees to develop skills, confidence and comfort with engaging in work contexts that are ambiguous and uncertain using resilience and curiosity to manage business and human capital resources.
• Engage with business leaders to emphasise the importance and purpose of writing job profiles and maintaining their relevance and accuracy, highlighting that job profiles form the basis of a wide array of other HC processes.
• Coach business leaders to navigate courageous conversations to facilitate alignment and delivery of business strategy and address key behavioural traits to support individual and team outperformance.
• Manage team in respect of recruitment decisions, performance moderation, talent management process, disciplinary action, recognition and retention of employees.
• Build team succession plans for roles in own area and influence resource planning.
• Facilitate the generation of clear contracting and assessment of performance expectations in line with identified objectives and enable a learning and growth culture.
• Implement people resource planning in line with delivery and performance objectives, within budget and in partnership with specialised areas.
• Drive the process of scoping accurate job profiles that reflect the core elements of jobs to be performed. Engage in job content interviews with job content experts; engage with job content experts for the review and approval/finalisation of job descriptions.
• Implement talent management practices in line with HC policies and procedures.
• Provide direction, coaching, and regular feedback to leaders and employees to improve performance and implement performance improvement initiatives.
• Ensure that skills are transferred in specific functions to reduce key person dependencies.
• Implement transformation and diversity initiatives
• Review data to identify current and future human capital needs.
• Ensure relevant resolution of conflict and respond to complaints or concerns raised.
• Identify efficiencies in the provision of Human Capital solutions, partnership and enablement journeys, whilst ensuring business partnering effectiveness and contribution to the performance level in the area of accountability.
• Interact with Leaders to drive engagement, identify strategic talent priorities, and develop talent.
• Conduct surveys to assist with problem resolution and solutioning to human capital business challenges.
• Conduct research into key Human Capital concepts to deepen skills, knowledge and understanding of business challenges faced in area of responsibility.
• Facilitate sense making sessions to help leaders and employees engage, interrogate and interpret critical business and human capital initiatives/decisions.
• Develop deep understanding of the business to support business and leaders to deliver against the business strategy.
• Implement integrated, contextually relevant, holistic Human Capital solutions to business problems that create business value.
• Identify and review policies, processes and practices that hinder flexible, agile and customer centric responses to business and human capital challenges.
• Provide business and human capital insights at Exco and Manco meetings using data analytics to identify trends, problem solving and holistic solutionist thinking.
• Partner with business to determine human capital impact of business strategy.
• Identify and facilitate cross functional touch points, ensuring engagement between areas in blending new functions, jobs and roles.
• Participate in key Human Capital forums to develop thinking and solutioning that supports the creation of a workforce of the future.
• Proactively partner with business and specialist Human Capital teams to identify and prepare workforce impact and Human Capital problem resolution.
• Leverage and integrate specialist Human Capital capabilities to create flexible co-ordinated journeys for business, aligned to the Human Capital and business strategies.
• Partner with business and specialist Human Capital to design, develop and implement solutions that enable business outperformance.
• Manage the efficient delivery of Human Capital solutions within area of accountability.
• Adapt, implement and monitor a tactical and operational Human Capital plan to close identified gaps.
• Build active partnerships and networks within the Human Capital community focusing on sharing knowledge; building solutions to collective business problems; and foster learning, collaboration and collective solutioning at a functional level.
• Be the custodian of HC processes, including job profiling. Advise and implement leading industry practices so that job profiling, as the foundation of HC solutions, is implemented appropriately.
• Provide balanced and credible advice and thinking, to problem solving based on an understanding of the business; review of data; and expert understanding and application of human capital policies, practices and processes.
• Develop a business vocabulary to implement key human capital initiatives that are contextually relevant in area of responsibility.
• Implement and manage Human Capital capabilities that enhances sustained business outperformance, talent enablement and development.
• Participate in key Human Capital Forums to understand the future world of work thinking and projects envisaged in support of this.
• Facilitate sessions with business leaders and build change leadership in support of sense making, collecting insights and developing plans to assist with implementation.
• Volunteer to champion projects aligned to business challenges and own self development.
• Demonstrate an understanding of the HC value chain and the interrelationships between components, engaging with various stakeholders in work conducted to support the facilitation of an effective ecosystem of partners.
• Review real-time data to proactively identify trends and problem areas, to meaningful solve business problems and enable effective decision making.
• Empower managers and leaders to lead and transform the business by providing credible data insights on key human capital metrics i.e. wellbeing stats and impact to productivity, workplace analytics and impact to mental wellbeing and burnout.
• Analyze and interpret different data points to identify trends, build contextually relevant solutions and facilitate decision making.
• Analyze and organize data to relay an impactful human capital storyline based on business insights.
• Partner with specialist human capital teams to build predictive modeling using existing data and experiences to model future trends and proactively solve for these.
• Understand how the business landscape is shifting and partner with specialist Human Capital teams to build Digital transformation and data insight journeys; and assist leaders and employees to build confidence with digital dexterity in support of platform thinking and enablement.
• Identify, recommend and/or implement practices that enhance the employee experience related to HC activities.

Qualification

• A relevant degree in Human Resources, or related field

Experience

• Minimum of 6 years of experience in an HR or similar role within the banking or financial services.
• Proven experience in talent management, employee relations, performance management and organisational development
• Strong understanding of the South African labor laws and regulations
• Experience in implementing HR strategies and align with business objectives

Job Details

Take note that applications will not be accepted on the below date and onwards, kindly submit applications ahead of the closing date indicated below.03/02/26

All appointments will be made in line with FirstRand Group’s Employment Equity plan. The Bank supports the recruitment and advancement of individuals with disabilities. In order for us to fulfill this purpose, candidates can disclose their disability information on a voluntary basis. The Bank will keep this information confidential unless we are required by law to disclose this information to other parties.

Click here to apply

Business Judgemental Credit Manager

Job Description

To evaluate, manage and approve complex credit risk within area of responsibility by providing advice, recommendations and support to internal stakeholders through the implementation of group credit mandates, risk frameworks and methodologies.

To provide coaching and mentoring to relevant internal (Business Judgemental Credit Manager I) and external teams (Relationship Managers).

Hello Future, Business Judgemental Credit Manager,

Welcome to FNB, the home of the #changeables. We design for the shapeshifters and deliver products and services that make us incredibly proud of people that make it happen. As part of our talent team, you will be surrounded by unique talents, diverse minds, and an adaptable environment that lives up to the promise of staying curious. Now’s the time to imagine your potential in a team where experts come together and ignite effective change.

Are you someone with the following skill/abilities:

Credit Risk Assessment

• Ability to analyse complex financial statements and cash flows.
• Understanding of industry-specific risks and macroeconomic factors.

Financial Analysis

• Strong grasp of financial ratios, balance sheets, income statements, and cash flow analysis.
• Ability to assess borrower repayment capacity and financial health.

Decision-Making & Judgment

• Sound judgment in approving or declining credit applications.
• Balancing risk and reward while aligning with the bank’s risk appetite.
• Experience in structuring credit facilities to mitigate risk.

Regulatory & Compliance Knowledge

• Familiarity with local and international banking regulations (e.g., Basel III, IFRS 9).
• Ensuring credit decisions comply with internal policies and external legal requirements.

Communication & Negotiation

• Clear articulation of credit decisions to stakeholders (e.g., credit committees, relationship managers).
• Skilled in negotiating terms with internal and external stakeholders to reach mutually beneficial outcomes.

Portfolio Management

• Monitoring and managing a portfolio of credit exposures.
• Proactive management of problem accounts and restructuring when necessary.

Analytical & Critical Thinking

• Ability to synthesize qualitative and quantitative data.
• Strong problem-solving skills, especially in ambiguous or high-pressure situations.

Ethical Standards & Integrity

• High ethical standards in decision-making.
• Commitment to responsible lending practices.

You will be an ideal candidate if you:

• Minimum Qualification: Tertiary BCom Qualification, Preferably in Economics, Accounting, Financial Management or Risk Management.
• Preferred Qualification: CA (SA)/CFA, BCom Honours.
• Experience: 5 Years banking experience, with at least 3 years managing a portfolio of bankers with an individual credit mandate.
• Strong judgemental credit experience, exposure to Agriculture clients will be beneficial.
• Demonstrated ability to build and maintain stakeholder relationships across segments.

You will have access to:

Opportunities to innovate

Opportunities to network and collaborate

A challenging working environment

Click here to apply

Credit Portfolio Management Manager

Job Description

Owner of credit risk reporting for the Commercial Segment into the relevant FirstRand Credit Governance Committees and supports the Head of Credit Portfolio Management to identify and report on any potential risk appetite breaches across the portfolio.

Management level: Professionally qualified and experienced specialists / middle management

Job Family: Credit risk

Job category: Core

Are you someone who can:

Own and drive credit portfolio reporting as required into the various Credit Governance Committees for the Commercial Segment:

• Quarterly R&C Risk Committee (“RCCC”)
• Quarterly FirstRand Commercial Credit Portfolio Committee
• Quarterly portfolio updates to the FirstRand Group Credit Risk Management Committee

Support lending product houses and the BA credit portfolio team to enable effective credit portfolio reporting across the segment:

• Drive innovation & automation (i.e. use of AI agents to deliver portfolio summaries)
• Proactively identify the need for new risk views as and when required
• Proactively identify potential risk appetite breaches and ensure appropriate reporting and action is taken to remediate
• Collaborate with key stakeholders to manage effective delivery of ongoing reporting requirements
• Coordinate deep dives as and when required
• Sourcing and analysis of relevant regulatory and financial performance benchmarking information across the lending portfolios

Cultivate and manage objective working relationships with a variety of stakeholders, including lending product house end-users, Lend enablement reporting team members, Group ERM and Commercial Credit Segment senior credit executives

 

Qualification required:

• Relevant financial or quantitative degree to support ability to analyse financial, regulatory and model performance across lending portfolios: B.Com Accounting or B.Sc. Actuarial Science, Mathematics major or Risk Management

Experience required: 

• 4-5 Years of experience:
• Financial and regulatory reporting experience (or exposure to) across lending portfolios in a Bank
• Credit portfolio reporting to analyse the key performance KPIs for a lending portfolio
• Enterprise Risk Management reporting and/or experience will differentiate the candidate to enable support for Head of Credit Portfolio Management in product house credit portfolio meetings and down the line succesion planning.

Job Details

Take note that applications will not be accepted on the below date and onwards, kindly submit applications ahead of the closing date indicated below.03/02/26

All appointments will be made in line with FirstRand Group’s Employment Equity plan. The Bank supports the recruitment and advancement of individuals with disabilities. In order for us to fulfill this purpose, candidates can disclose their disability information on a voluntary basis. The Bank will keep this information confidential unless we are required by law to disclose this information to other parties.

Click here to apply

Collector II

Job Description

The purpose of the role is to manage and recover delinquent accounts by proactively engaging with customers, resolving credit-related queries, and negotiating suitable payment arrangements.

The job involves compiling and maintaining accurate credit information, preparing relevant reports, and securing necessary approvals for refinancing and repossession actions. The ultimate goal is to reduce arrears and enhance revenue recovery within defined mandates.

• Manage costs / expenses within approved budget to achieve cost efficiencies.
• Collect arrears and negotiate acceptable RAR’s.
• Deliver exceptional service that exceeds customers’ expectations through proactive, innovative and appropriate solutions.
• Research and develop new MIS / reports for risk management.
• Retrieve and manipulate data into an understandable format through extensive data mining and analysis.
• Conduct risk grading of customer base by input of data into Regulatory Credit Risk reports and models to ensure minimisation of risk to bank for future business.
• Predictive / Pricing / Profitability model building by model construction and testing through monitoring and maintenance of collections and credit model performance.
• Manage own development to increase own competencies.

Qualifications and Experience

• Diploma
• 1-3 Years’ Collections and Recoveries Experience
• Hogan Experience

Job Details

Take note that applications will not be accepted on the below date and onwards, kindly submit applications ahead of the closing date indicated below.29/01/26

All appointments will be made in line with FirstRand Group’s Employment Equity plan. The Bank supports the recruitment and advancement of individuals with disabilities. In order for us to fulfill this purpose, candidates can disclose their disability information on a voluntary basis. The Bank will keep this information confidential unless we are required by law to disclose this information to other parties.

Click here to apply

Quantity Surveyor and Projects Specialist

Job Description

To provide specialized construction financial and contractual advice and monitor property developments and building projects end-to-end, across franchises in South Africa and relevant subsidiaries, ensuring that projects are completed within agreed costs and timelines

Job Description

• Provide input into functional budget and monitor and report on variances
• Minimize expenditure and manage costs and collate, analyze, evaluate data and information to forecast expenditure and cash flow trends and make recommendations to improve budget
• Manage authorization of expenditures and implementation of financial regulations
• Calculate the cost to complete projects by visiting the site, assessing the developer’s claims and the project cost report
• Monitor the project against the projected plan and notify credit in good time of any expected delays and the potential impact thereof on the cost and timelines of the project
• Verify and substantiate variation orders on the project and the impact thereof on the approved project funding
• Build relationships that allow for the managing of expectations, the sharing of knowledge and diverse insights; and the creation of buy-in
• Engage in cross-functional relationships to obtain and to provide work support
• Resolve customer dissatisfaction/complaints by taking ownership of the problem
• Analyze customer feedback to help improve customer service
• Ensure that delivery is accurate, timeous and of an acceptable standard
• Ensure that product or service knowledge and advice is technically accurate
• Know and understand customer needs to deliver a quality service

Qualification(s) and Experience

• BSc Quantity Surveying and other relevant qualifications
• Post graduate degree related to Quantity Surveying
• 3 to 5 years’ experience in township, residential and commercial developments

Click here to apply

Product Manager II

Job Description

Provide clear direction and oversee the creative process within a specialist team to deliver high-quality products. Ensure alignment with project objectives by managing workflows, guiding team deliverables, and maintaining standards throughout the development cycle.

Hello, Future Product Manager

FNB Connect and Service Provider is looking for a dynamic and highly driven Product Manager to join the MVNO team. The successful applicant will assist in defining and then delivering on strategy aligned to the bank philosophy of “shared prosperity”.

The focus will be on leveraging product management to manage products in order to deliver class leading, customer centric solutions / value propositions through the established frameworks that ensure the achievement of our strategic objectives and targets.

Key responsibilities

• Build cross-functional internal and external relationships to enhance collaboration, innovation and delivery.
• Understand the interplay between customers, technology, competitors, regulations, and internal operations to deliver stakeholder value.
• Conduct industry and competitor analysis to identify opportunities for innovative value propositions.
• Provide input into tactical strategy and develop supporting operational strategies.
• Develop value propositions aligned to segment strategies and business objectives.
• Engage with customers to understand unique needs and advise on product integration and wealth management.
• Expand the customer base with profitable segments and manage growth of active accounts.
• Ensure accurate product knowledge and provide relevant information to customers.
• Resolve customer complaints and propose improvements to enhance experience and service.
• Communicate and secure buy-in for customer service solutions aligned with business plans and service standards.
• Design and implement efficient processes for new credit products and existing operations.
• Monitor and control business processes to meet quality, compliance, and governance standards.
• Align and map end-to-end processes to the customer journey.
• Review and streamline processes to drive efficiency and reduce redundancy.
• Identify cost drivers and implement improvements to reduce costs without impacting service and experience quality.
• Compile and present reports to track performance and progress and support informed business decisions
• Understand and interpret data to generate insights that improve value propositions, processes, and customer experience.
• Manage team performance across business units to achieve objectives.
• Lead and manage strategic projects that drive business growth and innovation
• Identify, describe, and manage risks within area of responsibility.
• Implement mitigation strategies and contribute to governance and compliance procedures.
• Ensure implementation of relevant policies, governance, and practice standards.
• Leverage technical capabilities of systems and platforms to drive creative solutions.
• Create solutions that meet customer demands and deliver service excellence.

Qualifications and Experience

• Minimum qualification: A relevant bachelor’s degree in Commerce, Engineering or related degree
• Experience: 5 – 6 years’ relevant experience in a similar role
• Proven experience within Mobile network product management, Product development, Value proposition development or CVM is preferred
• Strong stakeholder engagement experience with internal and external partners

Click here to apply

Business Judgemental Credit Manager

Job Description

To evaluate, manage and approve credit risk within area of responsibility by providing appropriate recommendations and support to internal stakeholders through the implementation of group credit mandates, risk frameworks and methodologies.

Hello Future Business Judgmental Credit Manager

Welcome to FNB, the home of the #changeables. We design for the shapeshifters and deliver products and services that make us incredibly proud of people that make it happen.

As part of our team in FNB Commercial Credit in Bloemfontein, you will be surrounded by unique talents, diverse minds, and an adaptable environment that lives up to the p

• Manage respective portfolio within the banks risk appetite and asset growth budget and target Assess annual review and/ or ad hoc requests of all counterparties within allocated portfolio and mandate structure.
• Identify and manage credit risk at origination and on an ongoing basis.
• Daily excess monitoring of counterparties in their portfolio.
• Monthly/ Quarterly/ Bi- annual or Annual covenant compliance monitoring.
• Conduct client visits with frontline sales representative as and when required.
• Present to Credit Committees depending on mandate levels (e.g. Internal Credit Committee) as and when required.
• Perform secretarial duties for Provincial Credit Committee as and when required.
• Approve or recommend counterparty exposure across multiple products (working capital facilities as well as specialised finance and term loans) for area of responsibility.
• Assess and approve credit in terms of approved mandate to minimise Credit Risk to the business and manage the credit approval process.
• Ensure average approval turnaround time against target to ensure retention of clients.
• Provide recommendation to higher mandate holders.
• Perform efficient management of credit portfolio, including expired limits, covenant monitoring, identification of early warning triggers, assisting with daily operational requirements.
• Ensure effective workflow management within agreed SLA’s.
• Participate in planned activities that are appropriate for own development.
• Develop, encourage and nurture collaborative relationships across area of specialisation.
• Develop and manage key stakeholder relationships that enable achievement of operational objectives.
• Drive customer service delivery goal achievement in line with predefined standards and in support of operational objectives.
• Ensure compliance to legislative and audit requirements and adherence to relevant processes.
• Maintain expert knowledge on relevant legislative amendments and industry best practices and provide advice to relevant stakeholders.
• Maintain up to date knowledge of local and global trends.

You will be an ideal candidate if you:

Have abstained a Bachelor of Commerce with Honours or CA or B Degree equivalent with Enterprise segment experience (Preferably 2-5 years minimum).

Are you someone who can:

• Support the Account Executive by managing and administering a portfolio of clients including the application of an approval and ongoing quality risk management of the clients’ credit facilities
• Deliver exceptional service through educating the client, offering an appropriate solution and ensuring the relationship is maintained
• Advise on and provide support to ensure the effective resolution of customer queries in order to ensure customer satisfaction and retention
• Continuously monitor actual process turnaround times and quality standards and resolve issues speedily to enhance effective client service delivery

You will have access to:

• Opportunities to network and collaborate
• A challenging working environment
• Opportunities to innovate

We can be a match if you are:

• Adaptable and curious
• Sales driven
• Thrive in a collaborative environment
• Client-centric

Click here to apply

Credit Specialist

Job Description

Analyses credit data to estimate degree of risk in extending credit or lending money

Consults with management to assist in corporate planning

Hello Future Structured Credit Specialist

Welcome to FNB, the home of the #changeables. We design for the shapeshifters and deliver products and services that make us incredibly proud of people that make it happen.

As part of our team in FNB Retail Judgemental Credit, you will be surrounded by unique talents, diverse minds, and an adaptable environment that lives up to the promise of staying curious. Now’s the time to imagine your potential in a team where experts come together and ignite effective change.

Are you someone who can:

• Support and manage a portfolio of HNW &UHNW clients 
• Attend client meetings together with the lending specialist and advisory team 
• Deep knowledge of the client and larger group structure across all pillars (lend, invest, insure and transact) 
• Understand the client’s wealth creation strategy; immediate lending need vs unlocking value, optimizing the balance sheet and spotting lending opportunities. operating and Investment entities within the group in respect of financial ratios, cash flows, trends; historic performance, sustainability, projections and future aspirations ; industries the client is operating in (upsides, risks, trends etc) ; various lending products available to solution for the client across FSR; risk vs Reward principles and overall value proposition.
• Structuring the deal and compiling the credit paper 
• Present the request to the relevant mandated individuals or committees 
• Explain the credit outcome, covenants, structure and process to the client and sale

NOTE: The roles are based is the Western Cape and KZN

You will be an ideal candidate if you can:

• Track and monitoring ongoing risk relevant to a client group, as well as deal specific reviews and 
• covenants 
• Flag and unpacking economic and industry trends/risks within the portfolio  
• Engage various stakeholders across FSR to ensure client level decisioning and solutions 
• Pro-actively manage risk vs triggers/events 
• Deliver customer experience excellence aligned to Organizational values and service standards  
• Innovate and have an efficient mindset to constantly improve the overall value add and client experience of this base with a cost reduction and management mindset

You will have access to:

• Opportunities to network and collaborate
• A challenging working environment
• Opportunities to innovate

We can be a match if you have:

• A BCom Finance / Accounting OR CA(SA) 
• A business acumen with 1-3 years plus credit experience 
• A deep understanding of financial statement analysis and credit risk assessment 
• The ability to model cash flows for debt service considering industry and company specific information; building 
• assumptions for forecasting; key ratio analysis and covenant construction 
• Dealmaking and solutionist mindset 
• Excellent communication and collaboration skills with both internal and external customers (sales, credit & risk community, clients etc.) 
• Self-motivated, work independently and within a group, attention to detail, high level of integrity Writing, speaking and presentation skill sets

Apply now if you are interested in taking the next step. We look forward to engaging with you!

Thank you for your interest in joining our talent community. Please note that this advertisement is not for an active vacancy, and as such you will not receive a decline notice or status update immediately. We are currently gathering applications to build a talent pool for future opportunities. By submitting your application, you will be considered for similar roles that may become available. We appreciate your interest and look forward to potentially working with you in the future

Click here to apply

We wish you all the best with your applications