Absa Group

Risk

• Ensure optimal positioning of the Enterprise Risk Management Framework within CRES
• Monitor functional performance against risk appetite
• Oversee and facilitate the design of processes and procedures needed to implement the ERMF in CRES
• Develop, draft, and communicate guidance documents to ensure compliance with policies and standards
• Assess compliance and risk in CRES and report to senior management
• Monitor overdue Internal Audit findings that pertain to CRES
• Design and implement regular risk reporting processes to CRES management
• Provide strong leadership and direction
• Establish and maintain effective working relationships with all key stakeholders

Senior Manager, Risk – CRES

Financial Planning and Analysis

• Data Gathering & Compilation: Source, validate, and consolidate data from multiple internal and external sources with accuracy and timeliness.
• Data Analysis & Insight Generation: Analyse financial, capital, and business data to identify trends, risks, and opportunities that support decision‑making.
• Management Information Preparation: Assist in production structured and insightful reports, dashboards, and management information packs for senior stakeholders.
• Project Support: Contribute to FRM projects by performing targeted analyses and preparing required outputs aligned to project goals.
• Stakeholder Engagement: Collaborate with stakeholders to gather inputs, confirm data accuracy, and ensure alignment on recurring and ad‑hoc deliverables.

Specialist, Financial Resource Management

Growth Marketing

• Maintain primary ownership of a portfolio of Growth Account clients
• Develop strong client relationships through regular visits
• Ensure compliance with bank policies and procedures
• Provide input into product development for better client service
• Seek to improve ways of working within the team

Relationship Executive, Growth

• Maintain primary ownership of a portfolio of Growth Account clients
• Actively develop strong client relationships
• Conduct regular client visits in accordance with the Commercial Growth Account Value Proposition
• Manage Risk Assessment and adhere to the bank's policies
• Collaborate with team to improve ways of working

Relationship Executive – Growth Business

• Provide expert, holistic financial planning and advisory services
• Manage and grow an existing client portfolio (if applicable)
• Proactively source and convert new business opportunities
• Deliver tailored investment, risk, and insurance solutions
• Maintain long-term client relationships through exceptional service
• Ensure full compliance with FAIS and regulatory requirements
• Stay informed on market trends and product developments

Experienced Financial Adviser – FAIS Fit & Proper

Application Engineer

• Maintain and support reference and master data systems
• Monitor data quality metrics and rules using tools like Informatica Data Quality (IDQ), Talend, or Ataccama.
• Support metadata repositories and catalogues
• Manage incidents related to data integrity, synchronization, and platform availability.
• Configure EDM tools to align with business rules, governance policies, and integration requirements.
• Participate in the deployment of new features, patches, and upgrades to EDM platforms.
• Provide Tier 2/3 support to data stewards, analysts, and business users.
• Maintain detailed documentation of data models, workflows, configurations, and support procedures.
• Validate data accuracy, lineage, and compliance before production deployment.
• Generate reports on data quality, issue resolution, and platform performance.

Application Support Engineer

Operations

• Plan and oversee banking transactions execution
• Manage and monitor capacity and workloads
• Ensure transactions comply with regulations
• Deliver project-related initiatives
• Build relationships with stakeholders
• Coach and develop team members

Team Leader – Banking, Service Operations

Collections

• Lead and optimize the end to end debt sale debt sales strategy across the non-performing loans (NPL) lifecycle
• Maximize recoveries through structured portfolio sales, data driven valuations and effective management with external debt buyers
• Ensure robust governance, pricing discipline and alignment to the Bank’s credit risk and capital management objectives
• Design and enhance collections and recoveries strategies through risk segmentation, SAS‑based data analytics, and strategy testing
• Optimize collections ROI through SAS‑driven delinquent account classification and treatment strategies
• Monitor and improve collections performance against STP and MTP budget targets using SAS‑enabled performance analytics
• Develop and execute the annual debt sales strategy across unsecured portfolios (Card, PL and TxD)
• Drive innovative debt sale strategies (e.g. spot sale, forward flow, activate to buy etc)
• Align debt sale timing with macroeconomic conditions and portfolio performance
• Partner with Finance to assess and recommend SAS‑supported debt sale methodologies, pricing, and write‑off strategies
• Provide analytical and SAS‑based input into decisions on what debt to sell versus retain
• Design segmentation strategies to identify optimal pools for sale
• Define eligibility criteria (eg Balance, legal status, payment behaviour/recency etc)
• Ensure portfolio packaging enhances competitiveness and buyer appetite
• Lead portfolio valuation methodologies (NPV modelling, recovery curves, benchmarking)
• Set reserve prices and pricing strategies to maximize proceeds
• Build and manage relationships with local and international debt buyers
• Ensure all sales comply with legal, regulatory, and internal governance frameworks
• Manage reputation risk, especially customer treatment post the sale
• Co-ordinate with Risk, Collections Ops, Finance, IT and Legal teams
• Track and Report on Key KPI’s: Recovery uplift vs internal collections, Sale proceeds vs book value, ROI on debt sale strategy
• Drive continuous improvement in recovery optimization.

Manager – Collections Strategy Optimisation, Debt Sale

• Reporting to Head of Strategy Risk on all matters related to Strategy and Sustainability Risks
• Appetite Reporting and Analysis
• Risk Landscape and Emerging Risks
• Stress Testing Exercises (Regulatory and Internal/Group)
• Manage Country Sustainability Risk Deliveries

Strategy Risk Officer

• Provides financial insights, performance analysis, and decision support
• Drives cost optimisation, resource efficiency, and value realisation
• Partners closely with business leaders to identify productivity opportunities
• Track benefits realisation against productivity targets and budgets

Specialist Financial Analyst – Productivity & Effectiveness

Engineer

• Drive the improvement, optimisation, and implementation of enduring and fit for purpose processes that align with best practice and global leading standards within the relevant Business Unit or transformation programme.
• Conduct regular reviews of the Business Unit’s performance against targets and perform in-depth analysis of processes, workflows, and systems to identify areas of improvement.
• Work with relevant stakeholders to develop conceptual views of business solutions and capabilities required to support the business strategy.
• Investigate, identify, and implement business improvement and efficiencies within the business that is based on market research, competitor analysis and customer needs.
• Provide input to the development of business cases; and post implementation monitoring, tracking, and reporting of financial and non-financial benefits.
• Collaborate with various stakeholders, including senior management, operational managers, and operational staff, to identify improvement opportunities, execute and provide regular updates on project progress and post-implementation results.
• Collaborate with multi-disciplinary teams (Process engineers, UI/UX designers, business analysts, CX designers), including operational and technology teams, to execute on BAU and transformational programmes.
• Explore and evaluate technological advances and innovations that could benefit operations.
• Identify opportunities for automation and digital solutions to improve efficiency and accuracy.
• Drive the development of the process engineering team to achieve high performance team culture through embedding formal development plans and providing regular coaching.
• Create and maintain a centralized repository of process and related artefacts (e.g., procedures)

Lead Process Engineer

Vice President

• Develop segment-specific credit strategy, including risk appetite setting, early warning indicators, capital and impairment forecasting, and strategic credit analytics.
• Enable robust governance to support capital optimisation and informed growth decisions.
• Define and embed associated credit risk management practices to ensure effective operational implementation, adoption, and delivery in line with agreed methodology, governance standards, and risk objectives.
• Ownership of impairment forecasting for the PWB credit portfolio, including Expected Credit Loss (ECL) projections under IFRS 9.
• Development and maintenance of forward-looking portfolio scenarios, incorporating macroeconomic assumptions and stress outcomes.
• Active monitoring of actual versus forecast impairments and capital consumption, with clear articulation of drivers and emerging trends.
• Support the definition and calibration of portfolio specific risk appetite metrics aligned to Group and Wealth risk appetite statements.
• Ongoing monitoring of portfolio performance against approved limits, thresholds, and early warning indicators.
• Escalation of breaches or emerging risks with clear root cause analysis and recommended management actions.
• Contribution to governance forums through concise, insight driven portfolio reporting.
• Support current MI capability, consolidating fragmented data into a consistent and usable information to stakeholders.
• Translate manual, disparate credit data into timely, decision-ready portfolio insights for Credit, Risk, Finance, and Business forums.
• Shift reporting from descriptive, retrospective MI to forward-looking, actionable analytics.
• Reduce reliance on manual data extraction, reconciliation, and ad-hoc reporting.
• Enable faster, higher-quality credit and portfolio decisions through clear, aligned MI outputs.
• Development of advanced portfolio analytics to support strategy, including risk-adjusted returns, concentration risk, and client-level risk profiling.
• Identification of structural risks and opportunities within the portfolio to inform product design, pricing, and growth strategies.
• Support stress testing and scenario analysis to assess portfolio resilience under adverse conditions.
• Provision of decision support for strategic initiatives, including portfolio optimization and growth prioritization.
• Deliver insight-led MI that explains portfolio behaviour, performance drivers, emerging risks, and concentrations.

Portfolio Manager – VP

• Lead strategic relationships with vendors and clients
• Ensure delivery of technical products and services
• Collaborate with internal and external teams for solution design and implementation
• Create monitoring and performance management frameworks

Application Service Delivery Lead – VP

• Optimise the profit and economic value of portfolios of Growth Business key account clients
• Maintain primary ownership of a portfolio of Growth Account clients
• Actively develop strong client relationships
• Adhere to the bank's policies and procedures and ensure compliance
• Constantly seek to improve ways of working

Relationship Executive – Growth, Agri

Client Services Representative

• Deliver dynamic customer service by answering incoming calls timeously
• Resolve customer queries
• Upsell other indirect Insurance products on offer
• Offer financial advice to the customer
• Handle retentions