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Officer Risk Mitigation
Empowering Africa’s tomorrow, together…one story at a time.
With over 100 years of rich history and strongly positioned as a local bank with regional and international expertise, a career with our family offers the opportunity to be part of this exciting growth journey, to reset our future and shape our destiny as a proudly African group.
Job SummaryResponsible for mitigating the banks losses by following a portfolio approach by interacting, on a face to face basis with clients in default or financial distress, which will assist the client to normalize or rehabilitate their accounts, alternatively mitigate Absa risk by ways of recovery in a compliant way
Job Description
Key Responsibilities
Rehabilitation & Recovery
- Manage high-risk and impaired accounts proactively.
- Negotiate and implement rehabilitation solutions such as: Debt consolidation. Additional security/surety arrangements. Forbearance and repayment arrangements.
- Conduct financial assessments and evaluate customer affordability.
- Locate and engage customers in default through face-to-face interactions.
- Recover arrears and financed assets while minimizing losses to the bank.
- Inspect and value movable and immovable assets.
- Support legal recovery processes, including: Repossessions. Write-off recommendations. Sale in Execution matters. Court attendance as a witness where required.
- Conduct onsite assessments of businesses, agricultural operations, and other enterprises to determine sustainability and security value.
- Manage portfolio performance through effective planning, prioritization, reporting, and cost control.
Stakeholder Management
- Collaborate closely with: Collections teams. Legal departments. Debt Review units. Business stakeholders. Attorneys. Sheriffs. Debt Counsellors. Insolvency Practitioners. Executors and tracing agents.
- Ensure adherence to legislation, compliance requirements, SLAs, and internal policies.
- Build and maintain strong external networks to support asset recovery and risk management.
- Escalate and report potential reputational risks to relevant stakeholders.
Minimum Requirements
- NQF Level 6 qualification
- 3 to 5 years Collections experience
- Field Collections experience advantageous
- Valid driver’s license with no endorsements
- Willingness to travel within the operational area.
- Position based in Durban.
EducationHigher Diplomas: Business, Commerce and Management Studies (Required)
Absa Bank Limited is an equal opportunity, affirmative action employer. In compliance with the Employment Equity Act 55 of 1998, preference will be given to suitable candidates from designated groups whose appointments will contribute towards achievement of equitable demographic representation of our workforce profile and add to the diversity of the Bank.
Click here to apply
Branch Manager -Kariobangi
Empowering Africa’s tomorrow, together…one story at a time.
With over 100 years of rich history and strongly positioned as a local bank with regional and international expertise, a career with our family offers the opportunity to be part of this exciting growth journey, to reset our future and shape our destiny as a proudly African group.
My Career Development Portal: Wherever you are in your career, we are here for you. Design your future. Discover leading-edge guidance, tools and support to unlock your potential. You are Absa. You are possibility.
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 a high level of bank standards and management controls to achieve operational & control 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 (Duties & Responsibilities) and approximate time split.
Business Growth: Time Split 60%
- Implement business strategic initiatives and create ownership of the branch performance targets. Agree on 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, and Lead generation team to maximize 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 in and leading sales activations
- Establish firm relationships with the 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 the 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 the 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 batches on the core banking system.
- The branch must maintain the look and feel as per 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 a 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 satisfactory audit rating through continuous assessment and prompt closure of all audit exceptions sighted.
- Ensure that relevant approvals for all transactions are sorted at all times as guided in the laid down policies.
Internal Controls, Governance, Processes & Procedures; Time Split 15%
- Ensure proper controls, processes & procedures are adhered to at all times as per the laid down Absa bank policies through the BOL.
- At all times, through the BOL, ensure the 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 a 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 satisfactory audit rating through continuous assessment and prompt closure of all audit exceptions sighted.
- Ensure that relevant approvals for all transactions are sorted 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 adhered to at the branch at all times.
Customer Experience: Time split 15%
- The branch must maintain the look and feel as per Absa bank standards.
- Ensure excellent customer experience is maintained at all times.
- Ensure set TAT is achieved at all times.
- Appraise and promptly act on customer issues /complaints escalating as necessary to ensure timely resolution.
- Ensure set TAT in response to customer queries by phone, email, or by letters is strictly adhered to.
- Ensure customer data is up to date.
- Ensure branch NPS scores 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.
Capacity Building & People Management; Time split 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 common goals.
- Ensure the assigned e-learning and internal training activities for self and direct reports are 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
A university degree in a relevant discipline, post graduate qualifications will be an added advantage.
Preferred Experience
- At least 5 years of Banking / Financial Services experience out of which at least 3 years in branch management with a 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 targets 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 the local area
- Detailed working knowledge of operational and credit risk policies and procedures for both Retail and Business Banking segments.
Ideal Job Competencies
Technical Competencies
- Technology Skills – Knowledge of computerized banking applications and spreadsheets
- Conceptual and analytical skills – Ability to quickly grasp and understand systems and keen to details.
- Risk management – Ability to anticipate and mitigate risk by implementing appropriate risk management policies for the bank.
- Compliance and Regulatory Framework – Top incision understanding of the regulatory issues, reporting, and operational requirements as provided by CBK, KBA, KRA, etc.
- Basic Credit Skills – Good knowledge of personal and business credit underwriting and portfolio management.
- Audit standards & Legislation – Good knowledge of International Accounting, and Audit Standards, and Legislation
- Knowledge of Banking and Business Operations – Knowledge of all the Banks’ operations and processes and excellent knowledge of bank policies and procedures to consistently achieve the required compliance standard.
Behavioral Competencies
- Results and achievements oriented- Strives to achieve results, enjoys measuring others, being measured, and being judged on performance standards and those of others he/she leads to optimize employee productivity. Ability to effectively plan and monitor the branch performance using defined systems and processes.
- Leadership and Management Skills – Ability to identify, nurture and grow talent for self and others. Capability to mentor and manage changes. Self-empowerment to enable the development of open communication. Teamwork and trust are needed to support performance and a customer service-oriented culture.
- Communication & Interpersonal Skills – Well-developed oral and report-writing skills, ability to work with, coach, and mentor staff.
- Negotiation & Selling Skills – Must be a good negotiator, particularly in changing behavior and work practices but always win/win. Negotiate with customers on product offerings to grow customer numbers/value and product uptake.
- Human Resource Management Skills – Leadership skills, team building, and ability to train, develop, lead, and build motivated teams.
- Personal Ethics – Must be honest, fair, just but firm with self, and of high integrity.
- Relationship Management – Managing colleague and client relationships so as to ensure excellent customer experience leading to value add to the customer and increase in the Banks share of wallet.
- Conscious of banks’ reputation – Protect and enhance the banks’ reputation.
Work Cycle and Impact:
- In charge of branch strategic initiatives
- Branch leave management.
- Review and testing of offsite bank keys.
- Management of E-Learning for self and other branch staff.
- Ensure that Snap checks are undertaken strictly as per the laid down bank procedures (Monthly, quarterly, annually)
- Routine testing of control application and effectiveness
Absa Bank Kenya is an equal opportunity, affirmative action employer. Preference will be given to suitable candidates from designated groups whose appointments will contribute towards the achievement of equitable demographic representation of our workforce profile and add to the diversity of the Bank.
Application deadline: September 1, 2025.
EducationBachelor`s Degrees and Advanced Diplomas: Accounting, National Diplomas and Advanced Certificates: Accounting (Required)
Click here to apply
Chief Customer Service Advisor
Empowering Africa’s tomorrow, together…one story at a time.
With over 100 years of rich history and strongly positioned as a local bank with regional and international expertise, a career with our family offers the opportunity to be part of this exciting growth journey, to reset our future and shape our destiny as a proudly African group.
My Career Development Portal: Wherever you are in your career, we are here for you. Design your future. Discover leading-edge guidance, tools and support to unlock your potential. You are Absa. You are possibility.
Job SummaryDispense and receive cash and related instruments and provide customer service to walk-in branch Retail Customers.
Job Description
CASH AND RELATED TRANSACTIONS
60%
Outputs:
- Dispense and receive physical cash, cheques, Bills Negotiated/on collection, drafts and other financial instruments over the counter to walk-in customers.
- Authorize and confirm foreign or local currency cheques (including credit/debit cards), either by issuing or cashing such cheques within set limits.
- Carry out random checks at 2 hourly intervals to ensure that customer service advisors have captured all transactions on the bank’s system and that they are properly authorised before processing.
- Monitor and maintain a record of all customer service advisors errors such as shorts and overs in tills
- Carry out formal disciplinary action on errors noted as a result of cashiers negligence
- Responsible for managing the vault and all cash supplies on the tills (beginning and end of day and intra-day) as well as cash sorting and repatriation.
- Monitor cash levels held by the customers’ service advisors and in the vault throughout the day to ensure that both elements are within limits.
- Order branch cash from the cash provider or central bank in accordance with limits set by the country head office.
- As co-Custodian provide a second check in the daily reconciliation of branch total cash.
- Escalate all cash issues including resourcing directly to the Branch Operations Manager or Operations Officer in accordance with current procedures.
- Ensure cash is packaged correctly by front-line cashiers.
- Recommend re-order levels of cash to the Branch Ops Manager or Officer on a weekly basis.
- Carry out start and end of day checks for cashiers and till areas
CUSTOMER SERVICE 20%
Outputs:
- Provide advice to customers on the cash process to ensure the smooth flow of transactions.
- When directly receiving customer enquiries, attempt to resolve the enquiry at the first instance by using the bank’s systems. Only escalate to the Branch Manager or Branch Operations, or ask the customer to speak to an Inquiries Advisor when all other efforts have been exhausted to resolve the customer’s request.
- Explain the banks procedures, security requirements (such as the requirement to provide sufficient ID when transacting) as well as services to customers.
- customers Inform customers of the value of using the Customer Feedback system, including explaining to customers how the bank uses their feedback to improve service.
- Identify customers that may require bulk counting facility
- Manage leave days for the customer service advisors
- Provide monthly counter returns to Branch Ops Manager or Officer
- Hold daily morning huddles so that quality service is guaranteed to customers
- Identify training needs for the cashiers to improve their skills levels
- Participate in all customer service initiatives as directed by line manager from time to time
- Hold coaching sessions for the cashiers and maintain a record for tracking performance
- Provide input into cashiers’ performance reviews for the Branch Operations Manager or Officer
SALES LEADS 5%
Outputs:
- Identify sales leads through reviewing income levels on customer statements, questioning customers when they mention specific needs, and referring any new leads to Customer Advisors
- When specific sales campaigns are running in the branch, explain the campaign details in brief to cashiers, customers, and direct them to the Customer Advisors for further information.
- Support Personal bankers to call and complete leads referred to your branch on Optimus
RIGOUR 10%
Outputs:
- Ensure customer service advisors reconcile their till cash at the beginning and end of each day, as well as when cash is restocked or repatriated during the day.
- Ensure customer service advisors close tills according to the bank’s procedures, including physically securing the till according to requirement set out (e.g. physically chaining the till).
- Throughout each day advise the Branch Ops when teller cash limits are reached to enable them to restock or repatriate cash.
- Conduct snap checks as assigned by the Branch Coordinator from time to time.
- Ensure that all transaction records are kept meticulously and in accordance with bank procedures. Make such documents available for review/control purposes when required.
- All customer service advisors to sign for their till keys in the keys register
- On a weekly basis review the ORC report to close off exceptions
- Responsible for submission of excess cash report to Cash Services Manager
- Provide monthly statistical data on cash transactions to Branch Ops Manager to assist in arriving at appropriate cash holding limits (both foreign & local currency)
- Manage customer service advisors Overtime and submit return on a monthly basis
- Hold strongroom keys (second set) as co-custodian, ensure that no compromises are made
- Ensure that stationery (labels, security tags etc) and equipment (PC’s, UV lights, note counters, currency verifiers etc) are available all the time
RISK AND CONTROL
Ensure that all activities and duties are carried out in full compliance with regulatory requirements, Absa Operational Risk Framework and internal Absa Policies and Standards.
Contribution to own development and of team 5%
Outputs:
- Share knowledge and experience with other customer service advisors in the team.
- Provider cover for other Personal bankers in case of excessive workload or absence.
- Deputise for Branch Operations manager when required.
- Participate in team building events held by the branch.
- Nominate colleagues who have performed in the team or retail.
- Ensure all assigned training are done on time
- Manage leave and ensure all types of leave are updated on work day.
- Pursue continued improvement in personal development by participating in development programmes and training.
PERFORM ANY OTHER DUTIES AS ASSIGNED
EducationFurther Education and Training Certificate (FETC): Business, Commerce and Management Studies (Required)
Click here to apply
La-Riba Relationship Manager – Nairobi Region
Empowering Africa’s tomorrow, together…one story at a time.
With over 100 years of rich history and strongly positioned as a local bank with regional and international expertise, a career with our family offers the opportunity to be part of this exciting growth journey, to reset our future and shape our destiny as a proudly African group.
My Career Development Portal: Wherever you are in your career, we are here for you. Design your future. Discover leading-edge guidance, tools and support to unlock your potential. You are Absa. You are possibility.
Job Summary• To Manager and sustain relationship of La Riba Business Banking customers, building long-term relationships founded on efficient and reliable support for their business. This is achieved particularly through quick risk decisions and managing consistency and quality of operational service.
• The primary objective is to maximize sustainable risk-adjusted / EP portfolio contribution.
• The jobholder will additionally be responsible for business development both with new customers and with his/her existing portfolio.
Job Description
Key accountabilities/Deliverables/Outcomes
Accountability: Sales and Service: – 70%
- Conduct annual review of customers’ borrowing facilities (and interim review if customer circumstances [risk profile] dictate).
- Consult customer owners/managers on financial/credit issues and general business practice/ideas.
- Determine the key messages, e.g., agreed service standards, negotiated pricing, relationship team contact points (including introductions to new personnel) and new product changes. Calculating the most appropriate means of communicating them to customers.
- Deal with, and find resolutions for, customer complaints.
- Determine the appropriate La Riba products that are most effective in meeting customers’ needs and be able to sell these, at short notice, both reactively and proactively.
- Plan and co-ordinate any marketing approaches for new business and actively develop existing relationships. Co-ordinate approaches to the portfolio by businesses across the Group.
- Monitor and ensure adherence to risk service standards.
Accountability: Business Management: – 30%
- Research, create and follow up on a La Riba target list for potential new business.
- Identify priority La Riba customers using the Customer Prioritization Guidelines to assess their present and potential contribution.
- Gather all the required information that is needed to prepare and assess credit applications. Role holder will be expected to input certain key information such as judgmental information (They will work closely with La Riba team,SME Credit & Product specialists)
- Monitor and control the quality of the portfolio using “Condition of Sanction” triggers where possible and in accordance with RM guidelines and Bank policy.
- Manage “Early Warning List” customers to reduce risk, following H.O. and Regional guidance provided.
- Adhere to procedures and guidelines within the BB RMCD.
Role/person specification
Preferred Qualification
- Business degree.
Preferred Experience
- 5 years’ experience in sales and 3 years in relationship management
Knowledge and Skills
Knowledge of the bank’s products, services and policies required to undertake the role:
- The jobholder will be required to have detailed knowledge of the core set of Business Banking products.
- For Complex La Riba products and concepts, good knowledge will be required sufficient to: –
- Recognize the changing needs of the customer.
- Identify La Riba products/service that best satisfies customer need.
- Introduce the product/service.
- Co-ordinate the introduction of the relevant Group product specialist.
- Deal with customers directly as required.
- A good knowledge of the La Riba products & services available in the Personal Sector is also required to satisfy the individual financial needs of business owners/key individuals.
- The jobholder will require a broad understanding of policies and strategies across the Group as they relate to the demands of the customer base.
Mandatory
Must have good knowledge on: –
- Business Banking,
- Islamic Banking knowledge
- Shariah compliance products
- Customer relationship Management
- Team management
Absa Bank Kenya is an equal opportunity, affirmative action employer. Preference will be given to suitable candidates from designated groups whose appointments will contribute towards the achievement of equitable demographic representation of our workforce profile and add to the diversity of the Bank.
Application deadline: September 1, 2026.
EducationNational Diplomas and Advanced Certificates: Business, Commerce and Management Studies (Required)
Click here to apply
We wish you all the best with your applications
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