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Sales Consultant (Brakpan Voortrekker Street) (2433SCS001) – Brakpan
Branch Supervisor (2061SUP001) – Bafokeng
Branch Supervisor (1284SUP001) – Dishaba
Branch Supervisor (2713SUP001) – Tumela
Branch Supervisor (1314SUP001) – Northam
Branch Supervisor (2713SUP001) – Boitekong
Branch Supervisor (1285SUP001) – Klerksdorp
Branch supervisor Dichaba
Data Scientist (CRUPDST011) – Midrand Campus
RPG Team Leader (DEVPSUP006) – Midrand Campus
Arrears Analyst
Senior Tax Specialist
Sales Consultant (2786SCS005) – Kenillworth
Sales Consultant (3012SCS003) – Kriel
Sales Consultant (2042SCS003) – Port Elizabeth
Sales Consultant (6231SCS002) – Rustenburg
Sales Consultant (1298SCS004) – Cape Town
Branch Supervisor (2078SUP001) – Taung
Trade Area Manager – Carltonville (1342EXT005) – Carletonville
Senior Manager: Change Management & Organisational Development (TRAIEXT019)
Learning Partner (TRLPLCS003) – Cape Town

Sales Consultant (Brakpan Voortrekker Street) (2433SCS001) – Brakpan

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.

Branch Supervisor (2061SUP001) – Bafokeng

1.Achievement of all Sales Targets & Growth
Sell, promote and Market the Banks Products and ensure that the following is achieved:
Retention of existing clients
Acquisition of new clients
Reactivation of dormant client
Achieve Sales Target as set by Management

2.Performance of Sales Activities
Promote and sell new products as the Bank introduce same from time to time
Phone clients for sales (Tele-Sales)
Generate Sales Leads
Follow up and make appointments with prospective clients
Follow up on status of workflow and applications being processed
Keep the client informed at all times with regards to the loan application status

3.Application Administration and Costs
Capturing of Loan Applications
Check loan application documentation for accuracy, authenticity and compliance to Policy and Procedures as well as completeness
Accurately capture all client information as per loan application and supporting documentation
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
Explain Terms and Conditions of Banks Products to clients
Issue copy of Contract / Agreement to Client
Print loan agreement for client’s signature
Correct altered loan application information sent for rework and reprint for client’s signature

Respmarketing campaigns
Manage a book of customers with emphasis on cross selling and deepening customer relationships with the bank
Develop and execute market plan to achieve growth goals
Ownership for sales life cycle-from lead generation to disbursement
Engonsible for day to day sales activities inside and outside the branch
Ensure the achievement of branch sales goals as assigned in the defined market and business segments/industries
Ensure all staff achieve individual sales and service goals as assigned
Work to maximise customer relationships across business lines
Represent the bank in local community organisations with the purpose of promoting the Banks image as well as uncovering potential business opportunities
Develop existing business relationships and prospect within the community for new commercial business
Maintain consistency and integrity of data
Provides direction, guidance and quality assurance to Reps Under Supervision

5.Risk & Compliance Management
Ensure preventative measures are carried out to fully comply with current rules, regulations and internal policies relating to risks pertaining to relevant legislation
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
Responsible for implementing strategies to ensure operational integrity in the branch
Execute Branch functions / activities in adherence to Internal Audit standards (BPR)
Cash Management
People Management
Security Management
Asset Management
Compliance (NCA, Regulatory and Credit Policy)
General Operations
Risk Management
Ensure completion of Monthly Branch Self Audit Programme
Ensure Disaster Recovery capturing on monthly basis
Ensure OHS checklist completion and filing
Ensure quality assurance related to sound Manager Review practices
Ensure risk related to bad rate versus expected bad rate is managed within limits as set by the Bank
Ensure Non Deal Excellence is managed within limits as set by the Bank
Ensure Deal Excellence Error Rate is managed within limits as set by the Bank
insure compliance with FAIS journey inclusive of RE qualification parameters and guidelines as set by the Bank(Own & Team)

6.People Management and Development
responsible for training and development of branch staff, assessing team member needs and finding resources to address applicable need
Working with HR, interview, hire and terminate branch team members
Conduct performance evaluations for all branch personnel
Conduct coaching activities with team members, principle coaching duties involve coaching to achieve sales excellence and ensuring the delivery of world-class customer service.
Identify and work with High Potential branch staff in the achievement of their developmental goals
Create a feeling of energy and excitement among team players. Promote the corporate vision and values
Ensure 100% participation and support for all staff on Bank training and developmental initiatives
Ensure People Knowledge Score is managed within limits as set by the Bank(Own & Team)

7.Customer Service
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 5. Treat internal and external customers fairly at all times

Branch Supervisor (1284SUP001) – Dishaba

4.Sales Focus- Achieve branch growth, revenue and expense targets as defined by the bank
Maintain responsibility for the branches Profit & Loss and Budget
Determine the critical success factors for new customer acquisition and customer retention
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
Work closely with Trade Area Manager on customer acquisition strategies and retention efforts and developing new marketing campaigns
Manage a book of customers with emphasis on cross selling and deepening customer relationships with the bank
Develop and execute market plan to achieve growth goals
Ownership for sales life cycle-from lead generation to disbursement
Engage in and promote all sales activities i.e. Check-Ins, Huddles
Responsible for day to day sales activities inside and outside the branch
Ensure the achievement of branch sales goals as assigned in the defined market and business segments/industries
Ensure all staff achieve individual sales and service goals as assigned
Work to maximise customer relationships across business lines
Represent the bank in local community organisations with the purpose of promoting the Banks image as well as uncovering potential business opportunities
Develop existing business relationships and prospect within the community for new commercial business
Maintain consistency and integrity of data
Provides direction, guidance and quality assurance to Reps Under Supervision

5.Risk & Compliance Management
Ensure preventative measures are carried out to fully comply with current rules, regulations and internal policies relating to risks pertaining to relevant legislation
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
Responsible for implementing strategies to ensure operational integrity in the branch
Execute Branch functions / activities in adherence to Internal Audit standards (BPR)
Cash Management
People Management
Security Management
Asset Management
Compliance (NCA, Regulatory and Credit Policy)
General Operations
Risk Management
Ensure completion of Monthly Branch Self Audit Programme
Ensure Disaster Recovery capturing on monthly basis
Ensure OHS checklist completion and filing
Ensure quality assurance related to sound Manager Review practices
Ensure risk related to bad rate versus expected bad rate is managed within limits as set by the Bank
Ensure Non Deal Excellence is managed within limits as set by the Bank
Ensure Deal Excellence Error Rate is managed within limits as set by the Bank
Ensure compliance with FAIS journey inclusive of RE qualification parameters and guidelines as set by the Bank(Own & Team)

6.People Management and Development
Responsible for training and development of branch staff, assessing team member needs and finding resources to address applicable need
Working with HR, interview, hire and terminate branch team members
Conduct performance evaluations for all branch personnel
Conduct coaching activities with team members, principle coaching duties involve coaching to achieve sales excellence and ensuring the delivery of world-class customer service.
Identify and work with High Potential branch staff in the achievement of their developmental goals
Create a feeling of energy and excitement among team players. Promote the corporate vision and values
Ensure 100% participation and support for all staff on Bank training and developmental initiatives
Ensure People Knowledge Score is managed within limits as set by the Bank(Own & Team)

Branch Supervisor (2713SUP001) – Tumela

3. Application Administration and Costs
Capturing of Loan Applications
Check loan application documentation for accuracy, authenticity and compliance to Policy and Procedures as well as completeness
Accurately capture all client information as per loan application and supporting documentation
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
Explain Terms and Conditions of Banks Products to clients
issue copy of Contract / Agreement to Client
Print loan agreement for client’s signature
Correct altered loan application information sent for rework and reprint for client’s signature

5.Risk & Compliance Management
Ensure preventative measures are carried out to fully comply with current rules, regulations and internal policies relating to risks pertaining to relevant legislation
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
Responsible for implementing strategies to ensure operational integrity in the branch
Execute Branch functions / activities in adherence to Internal Audit standards (BPR)
Cash Management
People Management
Security Management
Asset Management
Compliance (NCA, Regulatory and Credit Policy)
General Operations
Risk Management
Ensure completion of Monthly Branch Self Audit Programme
Ensure Disaster Recovery capturing on monthly basis
Ensure OHS checklist completion and filing
Ensure quality assurance related to sound Manager Review practices
Ensure risk related to bad rate versus expected bad rate is managed within limits as set by the Bank
Ensure Non Deal Excellence is managed within limits as set by the Bank
Ensure Deal Excellence Error Rate is managed within limits as set by the Bank
Ensure compliance with FAIS journey inclusive of RE qualification parameters and guidelines as set by the Bank(Own & Team)

Branch Supervisor (1314SUP001) – Northam

2.Performance of Sales Activities
Promote and sell new products as the Bank introduce same from time to time
Phone clients for sales (Tele-Sales)
Generate Sales Leads
Follow up and make appointments with prospective clients
Follow up on status of workflow and applications being processed
deep the client informed at all times with regards to the loan application status

5.Risk & Compliance Management
Ensure preventative measures are carried out to fully comply with current rules, regulations and internal policies relating to risks pertaining to relevant legislation
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
Responsible for implementing strategies to ensure operational integrity in the branch
Execute Branch functions / activities in adherence to Internal Audit standards (BPR)
Cash Management
Pmmeople Management
Security Management
Asset Management
Compliance (NCA, Regulatory and Credit Policy)
General Operations
Risk Management
Ensure completion of Monthly Branch Self Audit Programme
Ensure Disaster Recovery capturing on monthly basis
Ensure OHS checklist completion and filing
Ensure quality assurance related to sound Manager Review practices
Ensure risk related to bad rate versus expected bad rate is managed within limits as set by the Bank
Ensure Non Deal Excellence is managed within limits as set by the Bank
Ensure Deal Excellence Error Rate is managed within limits as set by the Bank
Ensure compliance with FAIS journey inclusive of RE qualification parameters and guidelines as set by the Bank(Own & Team)

6.People Management and Development
Responsible for training and development of branch staff, assessing team member needs and finding resources to address applicable need
Wmorking with HR, interview, hire and terminate branch team members
Conduct performance evaluations for all branch personnel
Conduct coaching activities with team members, principle coaching duties involve coaching to achieve sales excellence and ensuring the delivery of world-class customer service.
Identify and work with High Potential branch staff in the achievement of their developmental goals
Create a feeling of energy and excitement among team players. Promote the corporate vision and values
Ensure 100% participation and support for all staff on Bank training and developmental initiatives
Ensure People Knowledge Score is managed within limits as set by the Bank(Own & Team)

Branch Supervisor (2713SUP001) – Boitekong

5.Risk & Compliance Management
Ensure preventative measures are carried out to fully comply with current rules, regulations and internal policies relating to risks pertaining to relevant legislation
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
Responsible for implementing strategies to ensure operational integrity in the branch
Execute Branch functions / activities in adherence to Internal Audit standards (BPR)
Cash Management
People Management
Security Management
Asset Management
Compliance (NCA, Regulatory and Credit Policy)
General Operations
Risk Management
Ensure completion of Monthly Branch Self Audit Programme
Ensure Disaster Recovery capturing on monthly basis
Ensure OHS checklist completion and filing
Ensure quality assurance related to sound Manager Review practices
Ensure risk related to bad rate versus expected bad rate is managed within limits as set by the Bank
Ensure Non Deal Excellence is managed within limits as set by the Bank
Ensure Deal Excellence Error Rate is managed within limits as set by the Bank
Ensure compliance with FAIS journey inclusive of RE qualification parameters and guidelines as set by the Bank(Own & Team)

Branch Supervisor (1285SUP001) – Klerksdorp

1.Achievement of all Sales Targets & Growth
Sell,promote and Market the Banks Products and ensure that the following is achieved:
Retention of existing clients
Acquisition of new clients
Reactivation of dormant client
Achieve Sales Target as set by Management

3.Application Administration and Costs
Capturing of Loan Applications
Check loan application documentation for accuracy, authenticity and compliance to Policy and Procedures as well as completeness
Accurately capture all client information as per loan application and supporting documentation
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
Explain Terms and Conditions of Banks Products to clients
Issue copy of Contract / Agreement to Client Print loan agreement for client’s signature
Correct altered loan application information
missent for rework and reprint for client’s signature

Risk Management
Ensure completion of Monthly Branch Self Audit Programme
Ensure Disaster Recovery capturing on monthly basis
Ensure OHS checklist completion and filing
Ensure quality assurance related to sound Manager Review practices
Ensure risk related to bad rate versus expected bad rate is managed within limits as set by the Bank
Ensure Non Deal Excellence is managed within limits as set by the Bank
Ensure Deal Excellence Error Rate is managed within limits as set by the Bank
Ensure compliance with FAIS journey inclusive of RE qualification parameters and guidelines as set by the Bank(Own & Team)

6.People Management and Development
Responsible for training and development of branch staff, assessing team member needs and finding resources to address applicable need
Working with HR, interview, hire and terminate branch team members
Conduct performance evaluations for all branch personnel
Conduct coaching activities with team members, principle coaching duties involve coaching to achieve sales excellence and ensuring the delivery of world-class customer service.
Identify and work with High Potential branch staff in the achievement of their developmental goals
Create a feeling of

energy and excitement among team players. Promote the corporate vision and values
Ensure 100% participation and support for all staff on Bank training and developmental initiatives
Ensure People Knowledge Score is managed within limits as set by the Bank(Own & Team)

Branch supervisor Dichaba

Minimum Education
NQF 6 Recognised FSB Qualification
RE5

Minimum Experience
2 years sales and client service experience
Full Rep in all Product Categories

Behavioural (COMP)
Delivering Results and Meeting Customer Expectations – Entry Level
Following Instructions and Procedures – Entry Level
Persuading and Influencing – Entry Level
Presenting and Communicating Information – Entry Level
Relating and Networking – Entry Level
Working with People – Entry Level

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.

Data Scientist (CRUPDST011) – Midrand Campus

1 – Stakeholder Engagement and Expectation Management
1.Engages positively within data science team and with external stakeholders
2.Understands and delivers on agreed deliverables and business owner’s objectives
3.Keeps stakeholders informed of progress
4.Seeks assistance to overcome obstacles as they may arise
5.Ensure solutions developed can be practically implemented

2 – Data wrangling and data preparation
1.Retrieve data from identified data sources (SQL, SAS, unstructured data sources)
2.Validate, clean and filter data against identified criteria
3.Package data into correct format for further analysis or delivery
4.Create data sets as required for ad hoc analysis
5.Enhance data documentation where possible
6.Document data wrangling steps clearly

3 – Analysis, reporting, data visualisation and communicating results
1.Ensures high quality presentations appropriate for diverse audiences to make informed decisions
2.Analyse data and verify results in terms of requested information by applying suitable standard and advanced univariate and multivariate statistical techniques
3.Document process followed to determine findings from data retrieval to final outcomes
4.Prepare a written report of findings for distribution to direct manager for final approval
5.Prepare presentation for feedback to Exco or identified stakeholders
6.Communicate findings to relevant stakeholders in order to adopt recommendations

4 – Statistical Model building and Machine Learning model building
1. Develop and maintain an understanding of relevant business processes
2. Review current processes for business opportunities by means of appropriate statistical models
3. Build statistical models to drive business strategies
4. Understand and interpret specifications of the model from the business by liaising with different stakeholders
5. Prepare a project plan in terms of requirements for completion of model
6. Prepare and analyse data
7. Develop a descriptive or predictive mathematical or statistical model making use of available statistical tools
8. Validate the model in terms of requirements
9.Communicate the models performance (verbal and written) to relevant stakeholders
10.Prepare a presentation of results for presentation to Exco or identified stakeholders for final approval
11. Document specifications and process of model roll out working with Strategy Manager and bureau for deployment
12.Test and validate functionality of the implementation of the model in terms of requirements
13.Assist in regression analysis by creating new score cards
14.Review current modelling methodologies in respect to international best practices

5 – Model monitoring and refinement
1.Monitor models to determine predictive power is maintained on an ongoing basis
2.Analyse data in respect of models where outcomes are not in line with expectations to identify causes for variances
3.Identify and recommend suitable solutions in writing with evidence of the identified problem
4.Implement approved solution in terms of recommendation

6 – Change Management
1.Write appropriate specifications need to implement change process or recommendation after obtaining necessary approval from relevant committee
2.Oversee the changes to be done in consultation with Business Analysts
3.Test and validate functionality of the implementation process
4.Obtain final sign of implementation
5.Maintain complete documentation of any follow up changes
6.Enable audit and validations to be performed

7 – Data ethics, governance and privacy
1.Understands legislation and comply with it, e.g. data privacy rules complied with
2.Ethics to be considered at all stages of work
3.Avoid unfair discrimination

8 – Mentoring and training
1.Assist team members with new tasks in respect of unfamiliar aspects of the job
2.Train team members in respect of technical aspects and business aspect of the job as well as for succession planning

9 – Research
1.Enhance existing models
2.Alternative models, approaches and methodologies
3.Find new data sources
4.Find new ways of utilising and absorbing diverse data sources for business problems and to maximise value from data

10 – Treating Customers Fairly and Compliance
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

11 – Management of Resources
1.Manage and develop subordinate(s): Performance management in terms of contracting, reviews and poor performers. Training and development. Employee relations
2.Manage people efficiencies through leave management, headcount budget, fixed term contracts, staff movements, secondments, staff utilization
3.Take appropriate disciplinary measures as required
4.Facilitate induction of new staff within one month of joining the organization

RPG Team Leader (DEVPSUP006) – Midrand Campus

1 – Developing Code
Understanding requirements and following code standards
Estimate time taken for that requirement
Identify best practices in development
Provide input to the Business Analyst regarding the quality and accuracy of specifications in terms of development requirements
Fix bugs with minimal return from Testers

2 – Strategy Development and Management
Assist Development Manager develop strategic direction for the Software Development functional area
Assist in formulating and managing the implementation of strategy

3 – Unit Testing
Check code standards
Check high level functionality before implementing to IT testing
Commit correct code to Environments
Code profiling
Create test packs
Perform unit testing according to ABIL programming standards
Develop code according to specifications

4 – Communication
Discuss with Testers with regard to bug fixing
Discuss with BA’s regarding specification changes
Participate in Joint Application Design (JAD) sessions to give input and provide feedback on specifications

5 – Implementation
Generate change document / implementation plan
Generate all SQL scripts for implementation
Generate all Xiriuz parameters for implementation

6 – Documentation
Generate technical documentation
Generate change review documentation

7 – Research & Design
Research system implications and solutions
Research latest technologies and methodologies

8 – Application Support
Application support for all systems

9 – Management of Software Development
Coding Standards
Manage the review of all codes written for applications to enhance performance, scalability and availability
Ensure that the environmental set up is according to set standards
Version Control:
Lead the management of Source control and code versioning

10 – People Management
Assist in attracting and recruiting resources to manage and achieve function delivery
Set, coach and manage initiatives to improve or enhance competency levels and skills within the functional area
Develop subordinates:
Training and development

11 – 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

Arrears Analyst

1 – Arrears Management and Monitoring
1. Arrears Management and Monitoring • Enhanced monitoring, detection and management of all arrear accounts within the Business Support and Recoveries Division.
• Maintain client satisfaction by responding to general queries and/or arrears timeously.
• Facilitate and prepare any letters/documents pertaining to arrears.
• Review, assess and document the arrears daily
• Assist in providing inputs into provisions and credit impairments, where necessary.
• Assess and review the arrears and age analysis for all non-performing loans.
• Complying with policies, procedures and regulations by following prescribed processes and mandates
• Notify clients of dormant /excess or arrears accounts by preparing and sending relevant correspondence.
• Improve workflow and time management efficiencies by proactive planning and implementing credit control process
• Monitoring and evaluating active loan accounts to reduce or prevent bad debt and losses, in relation to arrears.
• Monitor the receipt of covenants and ongoing special conditions and engage with the Credit Division on fulfilment thereof.
• Ensure systems are updated to reflect any changes/updates to loans that have expired or are in arrears.
• Engage with the Lending/Coverage Division on the way forward pertaining to the loan that have expired or is in arrears.
• Ensure security for all loans that are in arrears and expired are accurate and updated.
• Facilitate the movement of loans into different IFRS stages
• Ensure effective collection of all arrears.
• Identify and implement new processes and strategies to improve arrears management and monitoring within the Bank.
• Engaging with client’s to inquire their arrear status or amended repayment profile
• Monitoring and assessing outstanding debts continuously
• Negotiating of repayment dates
• Investigate and resolve discrepancies relating to arrears
• Regulatory updating of client account status’s and databases
• Alert the required personnel of any clients not co-operating
• Ensure a proactive handover to the Recovery Analyst.

2 – Offboarding
• Ensure accounts are closed timeously and release of all security held.

3 – Maintenance/ongoing risk monitoring
3. Maintenance/ongoing risk monitoring • Ensure all fees are raised and debited timeously.
• Ensure loading of all diary notes and follow-up until resolved.
• Ensure Debit orders are collected timeously.
• Actioning of daily excesses / arrears reports.
• Actioning of Dormancy lists either on a weekly or monthly basis.
• Monitor and address / regularize hardcore tendencies on Overdraft facilities.

4 – Compliance
• Ensure compliance with all relevant Bank policies.
• Ensure compliance with POPI.

5 – Reporting
• Meeting all internal and external reporting requirements and producing accurate reports in a timely manner.
• Preparing relevant reports for the Board and Board sub-committees, including reporting packs and presentations.
• Provide weekly and monthly consolidated reports to relevant Committee’s.
• Awareness and knowledge of Regulations and financial reporting requirements.
• Attend all meetings as and when required.

Senior Tax Specialist

African Bank: GTAXSPE001 – Senior Tax Specialist (GTAXSPE001) –	03-Apr-2024	10-Apr-2024
Permanent position in the Professionals sector/job category.
MINIMUM EDUCATION CA (SA)/ CTA/ Master of Commerce in Tax or relevant Postgraduate qualification MINIMUM EXPERIENCE Minimum 5+ years experience in tax accounting, tax planning, or related roles, preferably within the banking or financial services industry CRITICAL COMPETENCIES In-depth knowledge of local and international tax laws, regulations, and reporting requirements Strong analytical skills to assess tax implications of various financial transactions, identify tax-saving opportunities, and mitigate tax risks effectively Ability to develop and implement tax strategies to minimise the bank’s tax liabilities while remaining compliant with regulations Ability to analyse complex financial data and interpret tax-related information accurately Proficiency in financial reporting and analysis related to tax matters, including calculating tax provisions, deferred tax assets/liabilities, and other tax-related financial metrics Strong communication skills and ability to communicate complex tax concepts and provide guidance to internal stakeholders Strategic thinking and problem-solving skills to anticipate tax-related challenges, identify opportunities for tax optimisation, and develop innovative solutions to complex tax issues Ability to work collaboratively with cross-functional teams, to achieve tax-related goals and objectives Business acumen Relationship management Risk management Report writing skills Presentation skills ADDITIONAL COMPETENCIES Commitment to ongoing professional development and staying updated on changes in tax laws, regulations, and industry trends Ability to valuate the long-term implications of tax strategies and aligning them with the bank’s overall business objectives Ability to embrace new technologies, methodologies, and best practices BEHAVIOURAL ATTRIBUTES Strategic thinking Analytical and problem solving skills Attention to detail Adaptability Confidentiality Deciding and initiating action Resilience Customer centricity Integration/Holistic thinking Long term view Integrity Logical reasoning KEY RESULT AREAS Treating Customers Fairly and Compliance Create and maintain productive relationships with internal and external clients by providing advice and assistance Create understanding of the ‘real’ versus ‘perceived’ need through experience and expertise while complying with company policies, legislation and regulations Keep the client informed about progress through written communication, telephone communications, and/or face-to-face meetings Build a positive image by exceeding client expectations at all time Treat internal and external customers fairly at all times Management of Resources Manage and develop subordinate(s) Performance management in terms of contracting, reviews and poor performers, training and development, employee relations Manage people efficiencies through leave management, headcount budget, fixed term contracts, staff movements, secondments, staff utilisation Take appropriate disciplinary measures as required Facilitate induction of new staff within one month of joining the organisation Tax compliance and governance Develop and implement tax strategies to minimise the bank’s tax liabilities while remaining compliant with regulations Interpret and apply tax laws effectively to ensure compliance with local, national, and international tax regulations Conduct tax risk assessments to identify potential tax risks associated with the bank’s operations, investments, and transactions, separately addressing: Income tax Value added tax Dividend withholding tax Interest withholding tax Employees taxes Any other levy of tax to which the group may be exposed Establish and maintain effective internal controls and governance processes related to tax compliance. Ensure that tax-related policies, procedures, and controls are documented, communicated, and consistently followed across the bank. Reporting on them on an ongoing basis Assist in managing tax audits and inquiries from tax authorities. Prepare documentation, respond to information requests, and coordinate with external auditors or tax advisors as needed to resolve audit issues and minimize potential tax assessments Identify opportunities for process improvements and efficiency enhancements in tax compliance and governance activities Income tax Calculate and report the bank’s income tax provision for financial reporting purposes, including estimating current and deferred income tax liabilities and assets Maintain a record of the tax bases of all assets and liabilities Calculate monthly the deferred income tax due.Ensure that the required entries are recorded and review the validation thereofPerform a reconciliation between the standard rate of income tax and the effective tax rate reflected in the books of account and financial statementsMaintain adequate records of the calculations to support management review thereof, as well as audit by internal audit, external audit and audit by SARS Draft the accounting policies for and disclosure of the direct tax charges and associated items in the financial reporting according to International Financial Reporting Standards (“IFRS”) Complete and submit all income tax returns and supporting information as required to SARS Review the chart of accounts and redesign as required Engage with financial control and the relevant functions originating and processing transactions and entries Value added tax Maintain a master listing of all transaction codes as applied in the product and accounting systems, specifying the VAT classification and treatment of each code Calculate monthly the VAT due, complete and submit all VAT returns and reconciliations due Calculate the VAT apportionment rate and monitor it on an on-going basis, with regular reports to executive management Ensure that the required entries are recorded and review the validation thereof Maintain adequate records of the calculations to support management review as well as audit by internal audit, external audit and audit by SARS Draft the accounting policies for and disclosure of the indirect tax charges and associated items in the financial reporting according to International Financial Reporting Standards (“IFRS”) Engage with financial control and the relevant functions originating and processing transactions and entries to review and ensure that the underlying bookkeeping processes, accounting policies and processing systems are aligned to support the tax calculations and tax reporting Design appropriate controls to enable accurate reporting and to ensure errors and deviances are identified and resolved Advise on changes required to bookkeeping processes, accounting policies and processing systems and assist in implementing changes as required Employees taxes Engage with the Human Capital function and specifically the Payroll function to ensure that all employees’ taxes are applied and treated correctly according to the applicable legislation and regulation Review the internal controls, including those applied to the Payroll and GL systems to ensure that the disclosure of remuneration information as required under IFRS, the Companies act Ensure the Banks Act is complied with and that the underlying information required for this disclosure is available and accurate Ensure that all required returns and submission are made and that the associated reconciliations are performed and reviewed Provide support to HR and payroll on tax queries and the practical application of conceptual requirements Stakeholder management Establish and maintain healthy working relationship with the SARS representatives as assigned to respectively the African Bank group and Residual Debt Services Limited Respond to and manage all queries and requests from SARS and collate or facilitate the collation of the information required for SARS Maintain a register of all queries and requests from SARS and maintain adequate records of calculations and information to support management views with regards to the e-Filling profiles for the African Bank group and Residual Debt Services Limited Act as a primary point of contact for engagement with external auditors on taxation matters Represent African Bank on the BASA direct and indirect taxation committees or serve as alternate representation Establish strong working relationships with the tax management of counterparty banks within the industry Form part of ad-hoc industry working groups Advise on tax considerations and provide support on queries raised and initiatives launched by various business units within the Group

Sales Consultant (2786SCS005) – Kenillworth

Sales Consultant (3012SCS003) – Kriel

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.

Sales Consultant (2042SCS003) – Port Elizabeth

Sales Consultant (6231SCS002) – Rustenburg

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.

Sales Consultant (1298SCS004) – Cape Town

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.

Branch Supervisor (2078SUP001) – Taung

1 – Achievement of all Sales Targets & Growth

Sell, promote and Market the Banks Products and ensure that the following is achieved:
Retention of existing clients
Acquisition of new clients
Reactivation of dormant client
Achieve Sales Target as set by Management

2 – Performance of Sales Activities

Promote and sell new products as the Bank introduce same from time to time
Phone clients for sales (Tele-Sales)
Generate Sales Leads
Follow up and make appointments with prospective clients
Follow up on status of workflow and applications being processed
Keep the client informed at all times with regards to the loan application status

3 – Application Administration and Costs

Capturing of Loan Applications
Check loan application documentation for accuracy, authenticity and compliance to Policy and Procedures as well as completeness
Accurately capture all client information as per loan application and supporting documentation
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
Explain Terms and Conditions of Banks Products to clients
Issue copy of Contract / Agreement to Client
Print loan agreement for client’s signature
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

Maintain responsibility for the branches Profit & Loss and Budget
Determine the critical success factors for new customer acquisition and customer retention
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
Work closely with Trade Area Manager on customer acquisition strategies and retention efforts and developing new marketing campaigns
Manage a book of customers with emphasis on cross selling and deepening customer relationships with the bank
Develop and execute market plan to achieve growth goals
Ownership for sales life cycle-from lead generation to disbursement
Engage in and promote all sales activities i.e. Check-Ins, Huddles
Responsible for day to day sales activities inside and outside the branch
Ensure the achievement of branch sales goals as assigned in the defined market and business segments/industries
Ensure all staff achieve individual sales and service goals as assigned
Work to maximise customer relationships across business lines
Represent the bank in local community organisations with the purpose of promoting the Banks image as well as uncovering potential business opportunities
Develop existing business relationships and prospect within the community for new commercial business
Maintain consistency and integrity of data
Provides direction, guidance and quality assurance to Reps Under Supervision

5 – Risk & Compliance Management

Ensure preventative measures are carried out to fully comply with current rules, regulations and internal policies relating to risks pertaining to relevant legislation
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
Responsible for implementing strategies to ensure operational integrity in the branch
Execute Branch functions / activities in adherence to Internal Audit standards (BPR)

Cash Management
People Management
Security Management
Asset Management
Compliance (NCA, Regulatory and Credit Policy)
General Operations
Risk Management

Ensure completion of Monthly Branch Self Audit Programme
Ensure Disaster Recovery capturing on monthly basis
Ensure OHS checklist completion and filing
Ensure quality assurance related to sound Manager Review practices
Ensure risk related to bad rate versus expected bad rate is managed within limits as set by the Bank
Ensure Non Deal Excellence is managed within limits as set by the Bank
Ensure Deal Excellence Error Rate is managed within limits as set by the Bank
Ensure compliance with FAIS journey inclusive of RE qualification parameters and guidelines as set by the Bank(Own & Team)

6 – People Management and Development

Responsible for training and development of branch staff, assessing team member needs and finding resources to address applicable need
Working with HR, interview, hire and terminate branch team members
Conduct performance evaluations for all branch personnel
Conduct coaching activities with team members, principle coaching duties involve coaching to achieve sales excellence and ensuring the delivery of world-class customer service.
Identify and work with High Potential branch staff in the achievement of their developmental goals
Create a feeling of energy and excitement among team players. Promote the corporate vision and values
Ensure 100% participation and support for all staff on Bank training and developmental initiatives
Ensure People Knowledge Score is managed within limits as set by the Bank(Own & Team)

7 – Customer Service

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 5. Treat internal and external customers fairly at all times

Trade Area Manager – Carltonville (1342EXT005) – Carletonville

1 – Sales Targets
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
Ensure the region meets the assigned targets in all product categories
Develop region specific plans to ensure customer growth and retention as well as revenue growth

2 – Manage Productivity
Capacity Planning
Ensure branches have adequate skilled staff of the right calibre in order to deliver on customer service and sales expectations
Planning and Scheduling of Work/Activity
Manage scheduling requirements within the branches in terms of contribution and targets of all products
Plan productivity targets and deploy daily/weekly/monthly prioritised work/Activity schedules with appropriate deadline targets and input levers
Set, monitor and review workload schedule
Productivity Control
Monitor and review productivity progress against deadline targets and output levers
Quality Control
Ensure that all productivity and in branch processes result in producing high quality deals and customer satisfaction
Ensure that all productivity and in branch processes adhere to the company’s internal controls framework
Branch Profitability
Optimise branch profitability taking into account local market potential and customer needs

3 – Manage Operational Performance
Develop and implement operational improvements
Ensure non value added activity that negatively impacts on the customer is reduced and eliminated in all operational processes
Influence, Manage & embed change journeys to meet current business requirements
Implement operational improvement processes to reduce risk, minimise costs and improve operational performance
Develop a high performance team and step change
Promote and uphold company performance standards, values driven culture and work ethic
Develop and implement initiatives required to deliver step change in the following aspects of the business:
Sales performance of new and existing products
Operational risk and compliance
Branch profitability
Productivity levers
Customer service
Product diversification
Operational excellence
Right first time- Doing things right for the customer
High Productivity

4 – Manage the human resource
Recruitment & Employment
Ensure all recruitment and employment is carried out in accordance to company procedure and in compliance with current employment law
Staff Training & Development
Establish goals and objectives for self and team and implement accordingly to help support/improve job performance (experience, ability & competence)
Be aware of and promote operational best practice and performance standards
Develop and monitor performance standards
Identify individual training needs
Implement, monitor and review training and developmental plans
Monitor and manage KPI’s
Achieve the Area Targets relating to Service, Customer Growth, Sales, Staff Engagement, Learning & Development, Personal Development, Costs, Fais, Risk and Compliance
Performance Management & Staff Appraisals
Monitor, review and address employee under performance, maintaining appropriate records in accordance with company procedures
Conduct and perform annual performance appraisals
Ensure the appropriate systems and processes are in place to measure and manage staff performance and to coach and develop a high performance team
Discipline & Grievance Procedures
Monitor, review and address employee under performance, liaising with the HR representative and maintaining appropriate records in accordance with the company procedures as required
Address any employee discipline or grievance issue, maintaining appropriate records in accordance with company procedures.

5 – 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 policies, legislation and regulations.
Keep the client informed about progress through written communication, telephone communications and/or face to face meetings
Build a positive image by exceeding client expectations at all times
Treat internal and external customers fairly at all times

Senior Manager: Change Management & Organisational Development (TRAIEXT019)

MINIMUM EDUCATION
Post Graduate Degree in Human Resources/ Industrial Psychology/Business Administration or equivalent qualification.
Certifications: Prosci/ PMP

MINIMUM EXPERIENCE
Minimum 8+ years’ experience in organisational development, change management or related areas.
Minimum 5+ years in leadership roles focused on organisational development, preferably within the banking or financial services industry.

CRITICAL COMPETENCIES
In-depth understanding of all HC policies and procedures
Strong understanding of banking operations, regulatory requirements, and industry best practices
Proven track record of successfully leading organisational change initiatives and driving cultural transformation.
Strong analytical and problem-solving skills, with the ability to gather and analyse data to inform decision-making.
Project management skills to effectively plan, implement, and monitor organisational development projects and initiatives.
Ability to collaborate with cross functional teams.
Knowledge of change management principles and practices to navigate organizational transitions and transformations.
Financial and business acumen
Conceptual thinking
Proficiency in MS office software packages
Digital literacy

ADDITIONAL COMPETENCIES
Ability to serve as an advisor on organisational development and change management matters.
Ability to influence peers and stakeholders.
Report writing and presentation skills.
Planning and organising skills

BEHAVIOURAL ATTRIBUTES
Strategic thinking
Influence and persuasion.
Action-oriented
Client focus
Innovation
Decision making
Collaboration
Networking
Resilience
Adaptability

KEY RESULTS AREA

Treating Customers Fairly and Compliance
Create and maintain productive relationships with internal and external clients by providing advice and assistance.
Create understanding of the ‘real’ versus ‘perceived’ need through experience and expertise while complying with company policies, legislation and regulations.
Keep the client informed about progress through written communication, telephone communications, and/or face-to-face meetings.
Build a positive image by exceeding client expectations at all times.
Treat internal and external customers fairly at all times

Management of resources

Manage and develop subordinate(s): Performance management in terms of contracting, reviews and poor performers, Training and development, Employee relations.
Manage people efficiencies through leave management, headcount budget, fixed term contracts, staff movements, secondments, staff utilization.
Take appropriate disciplinary measures as required.
Facilitate induction of new staff within one month of joining the organization

Change management leadership
Lead change initiatives across the bank to navigate through industry disruptions, regulatory changes, and technological advancements, ensuring minimal disruption to banking operations
Create a positive environment within the bank for managing the process of innovation and continuous change management
Engage other departments in relation to the organisation’s change management framework, methodology and change delivery process
Identify risks connected to the bank’s continuous change management process and provide actionable solutions
Provide leadership and research around structured change methodology and utilize and lead all change management activities for the organisation
Develop the change strategy for the bank and ensure that related projects are supported in line with this strategy
Develop change management communication requirements and provide enabling support to the change communication process
Conduct impact analysis, assessing change readiness and identifying key stakeholders
Identify, analyse and prepare risk mitigation initiatives related to implementing change
Integrate change management activities into the project plan in an Agile manner and monitor and report on change progress
Define, implement, and communicate change toolkits, governance toolkits, governance processes and aggregate transformation roadmap for the delivery of changes that will lead to business and operational benefits
Prepare and submit reports as and when required to provide progress updates and/or inform management decisions
Develop reports/ policies/ procedures and guide the process through the alignment of the documents to the overall bank’s strategy
Develop functional reporting systems, for management, projects or performance reporting

Culture
Implement culture initiatives essential for fostering a positive work environment, enhancing employee engagement, and driving organisational success.
Ensure that the bank’s core values are clearly communicated and integrated into all aspects of the bank.
Implement the 360 assessments that align with the bank’s culture, goals and values.
Conduct and manage the People Engagement Survey to gather feedback related to the organisational culture and overall employee experience.
Analyse organisational employee engagement survey results and provide feedback and recommendations to Business.
Facilitate focus group sessions where necessary.
Analyse the outcomes of the focus group sessions and feedback to business.
Facilitate action planning sessions in line with the people engagement survey.
Support business and Business Partners with the monitoring and implementation of action plans.
Report on all interventions initiated and progress thereof.
Ensure project management of the group coaching conversation sessions across the Bank

Drive engagement
Ensure survey design and development by collaborating with stakeholders to design engagement surveys tailored to the banking sector’s unique challenges and priorities.
Plan and coordinate the administration of engagement surveys, including selecting appropriate survey tools, establishing timelines, and communicating survey logistics to employees.
Ensure confidentiality and anonymity to encourage honest feedback from employees.
Use statistical methods to quantify survey results and benchmark against industry standards or previous survey data.
Interpret survey findings in the context of organisational goals, culture, and performance metrics.
Facilitate discussions to interpret survey findings, solicit additional feedback, and prioritize areas for action.
Monitor the effectiveness of engagement initiatives over time through follow-up surveys, focus groups, or other feedback mechanisms.
Benchmark survey results against industry peers or best-in-class organizations to identify areas of competitive advantage and areas for improvement

Organisational development interventions
Collaborate with senior leadership and business unit heads to align organisational development initiatives with the bank’s strategic goals and objectives.
Understand the business priorities, challenges, and opportunities within each department and tailor OD interventions accordingly.
Conduct thorough needs assessments in collaboration with business units to identify areas for improvement, skill gaps, and opportunities for organizational development.
Design and deliver customised organisational development solutions, such as leadership development programs, team-building workshops, or change management interventions, to address the unique challenges and objectives of each business unit.
Tailor OD interventions to reflect the culture, values, and operating dynamics of the banking industry and individual departments within the bank.
Act as a trusted advisor and consultant to business unit leaders, providing expertise and guidance on organizational development best practices and strategies

Data analysis and reporting
Analyse data from employee engagement surveys to assess the overall satisfaction, morale, and engagement levels of employees within the bank.
Analyse data related to organizational change initiatives, such as employee feedback, resistance to change, and adoption rates of new processes or technologies.
Prepare regular reports summarising employee engagement survey results, including key findings, trends, and actionable insights.
Prepare reports on change management initiatives, including change readiness assessments, implementation progress, and employee feedback.
Submit monthly reports and adhoc reports as and when required to provide insights to senior management.
Generate reports comparing bank’s performance, practices, and outcomes against industry peers and best practices

Learning Partner (TRLPLCS003) – Cape Town

1 – Cost Management
Ensure effective cost management of delivery resources in allocated region
All costs kept within budget and pre-approved with relevant Head i.e. travel, accommodation, catering, materials, etc.

2 – Customer Management
Raise the customer experience bar within allocated region in support of the national development strategy and regional needs .
MAP Consultant has excellent relationships at all levels, continuously consulting within their region including direct manager, Head, RM’s, BM’s staff and raising the overall
customer experience

3 – Develop regional ability according to national strategy
Conduct quarterly proficiency audits; Draft regional development plan; Capacity development interventions and tracking; Induction Management and Reporting
Quarterly Proficiency Audits
MAP to RM allocation per region up to 250 African Bank staff
MAPs responsible for proficiency management in allocation branches
Proficiency Gap training
Training scheduled post proficiency audit to address immediate gaps in the branch
1hr sessions are conducted via Virtual Wizard aka “tele-training”
This methodology is also used to assist business with quick implementation wins of eg. new products, updates, processes, etc.
MAPs to be mindful of business requirements when scheduling these sessions
One-energy Selling Skills training
Capturing, Reporting and Related administration
MAPs to report on every intervention whether face-to-face or telephonic
All related data to be captured timeously including LMS uploads

4 – Personal accountability and growth
MAP Consultant raises the bar on professional conduct and takes responsibility for personal development initiatives; displays high levels of initiative and integrity and makes things happen; lives the change they want to see

5 – 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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All the best with your applications.

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