Requirements

Credit Evaluation:


To approve and decline credit applications based on sound justification against the Bank’s Credit policy and National Credit Act requirements as per National Credit Regulator
To evaluate credit applications in line with the Bank’s credit scoring models
To determine loan interest rates in line with the Bank’s retail Pricing Matrix, Credit Score and as... prescribed by the National Credit Act.


Facility Reviews:


To conduct facility, review assessments of existing customers
  To assist Business to ensure that reviews are conducted annually and timeously 
To timeously issue quotations and facility letters  


Post-fulfillment:


To exercise effective post-lending monitoring to ensure that facilities are maintained in accordance with conditions of sanction and covenants


Portfolio Management


To apply appropriate action on the daily referral report to minimize the Bank’s risk. This is to be done by effectively dealing with unauthorized excesses and overdrawn positions
To closely monitor and control arrear loan accounts
To timeously monitor deterioration in the lending book and action same per loan classification policies and guidelines
To recommend accounts to the Watch list and Criticized Assets Committee for closer and significant monitoring
To timeously recommend hand over of delinquent accounts to NPL section for rapid action and recovery process


Reporting:


Maintain proper records of the lending bookings
To produce reports regarding of the lending book when called to do so
To contribute to improving processes and efficiencies within the department


Policies and Procedure:


Daily task planning and prioritizing of expected deliverables for timeous execution and delivery of expected outcomes
Adherence to SLA requirements within the Retail business segment
Effective and sound decision making


Policies and Procedures:


To analyse and assess credit applications in accordance with approved policies and procedures and ensure that credit exposures are created subject to stipulated guidelines
To ensure that correct products are recommended and approved for the lending book
To monitor lending covenants and ensure that same are adhered to
To assist with maintenance and update of the Bank’s Credit Policy Guide as/when require


People management:


To manage, develop and support staff
To maintain sound relationships with superiors, subordinates plus internal and external customers.


Job Requirements:


Bachelor’s degree, Diploma in Banking, accounting, business administration, finance, or a applicable qualification/s
Minimum 5 years proven work experience as a Credit Manager with a retail lending mandate, including exposure to application scoring and other forms of automated lending decisioning practices
3 years in a Senior Management role
In-depth knowledge of retail banking products, credit risk assessment, and regulatory requirements in South Africa.
Proven track record of developing and implementing effective credit policies and managing credit portfolios
Proficiency in Microsoft Office 365 applications
Good understanding of retail lending products
Strong mathematical and analytical skills
Proficiency in oral and written communication
Excellent problem-solving skills
Effective communication skills
Good interpersonal skills
Detail orientated and output driven personality
Assertiveness, with the ability to deal with stressful situations and manage conflict more

Description


Develop and maintain test plans and cases for the bank’s mobility sector and adjacent verticals' technology solutions.
Perform functional, regression, and performance testing to ensure software quality in the bank's mobility sector and adjacent verticals.
Collaborate with development and product teams to understand requirements and provide feedback on product... functionality.
Analyze test results and document findings, providing detailed reports to stakeholders.
Assist in the development and refinement of quality assurance processes to enhance product reliability.
Participate in project planning and review meetings to ensure quality is considered at all stages of development.
Support user acceptance testing (UAT) efforts by coordinating with end-users and stakeholders in the mobility ecosystem.
Identify opportunities for process improvements and implement best practices in quality assurance.
Perform any other tasks assigned.


Requirements

Qualification


Computer Science, Information Technology, or a related field.


Professional Membership


A recognized professional certification will be an added advantage more

Description


Ensure organization's resources are allocated efficiently by monitoring and tracking expenses related to various initiatives
 Develop models and financial forecast to evaluate the financial viability of projects 
 Ensure all financial activities adhere to organizational policies and regulatory requirements
 Analyses financial data to provide insights and... recommendations
 Support process improvements by identifying bottlenecks in financial administration and operational workflows
 Ensure that financial statements are prepared in accordance with relevant provisions of IFRS monthly, quarterly and annual basis
Act as a focal point and Trusted financial adviser to Business Head and other SBU
 Responsible for driving the Business Plan for the Business, Monthly Profitability Meetings
  Assist in audits and provide necessary financial data and reports as required
 Organize meetings, maintain records, and ensure proper documentation of project activities
 Lead the Finance team  and supervise analyst to institute financial discipline processes, policies and guidelines for engagement


Requirements


Bachelor’s degree in finance, Accounting and Business Administration, or a related discipline
Professional qualifications like ACCA and ICAN is compulsory
A Master’s degree (MBA, MSc Finance, or related field) is an added advantage.
Minimum of total 10 years of progressive experience with 5 years within the financial services industry more

Description


Identify and pursue new business opportunities in the mobility sector by analyzing market trends, conducting research, and developing strategies to attract new clients
Develop and maintain strong relationships with key accounts to ensure customer satisfaction and loyalty
Act as contact person for clients, understanding their needs and providing solutions
Assist in... developing proposals and presentations for prospective mobility clients, ensuring alignment with business objectives
Analyse existing client portfolios and recommend strategies for cross-selling and upselling financial products across the ecosystem and its value chain
Develop account plans and strategies to achieve sales targets. Negotiate and implement contracts with key clients
Work with cross-functional teams to ensure smooth onboarding and servicing of key accounts
Develop and track performance metrics for key accounts to ensure business goals are met
Lead the Business origination, partnerships and Alliance to build capacity and empower team and lead cross functional collaborations


Requirements


Bachelor’s degree in business administration, Finance, Marketing or a related discipline
PMP (Project Management Professional) - Required
Certified Business Analysis Professional (CBAP)
CRM (Customer Relationship Management)


Professional Membership

A recognized professional certification will be an added advantage more

BUSINESS:


Ensure Business Profitability and Growth in conjunction with the Operational Banker through retention, attraction, and expansion of customers in portfolio.
Ensure approval of customer’s lending needs are met in conjunction with the Operational Banker through high quality applications.
Ensure that portfolio is 100% self-funded through the attraction of correctly priced... deposits.
Successfully close cross and up-selling opportunities received from Operational Banker and own sources. Distribute further leads to internal business partners.
Achieve Non-Interest Revenue targets.


20 %

RELATIONSHIP AND CLIENT FOCUS:


Client Engagement by conducting contacted amount of customer visits.
Client Satisfaction by ensuring zero valid complaints from customers.
Continuously improve turnaround times
Ensure no regrettable customer losses.


20 %

RISK FOCUS


Ensuring risk metrics stay within set parameters for the portfolio.
Support the Operational Banker in all risk related credit issues by ensuring all applicable due diligence on an application is done in accordance to the laid down credit and risk policies and guidelines of the Bank.
AML / KYC adherence
Market conduct/ customer experience adherence
Completion of all compliance training
FAIS adherence – general code of conduct


5 %

PERSONAL DEVELOPMENT OBJECTIVE


Self-development and development identified by manager  
Coaching new staff and team involvement
CSI


Policies and Procedures


Adherence to relevant policies and execution of relevant procedures


Business Planning/ Decision Making


N/A


People Management


No direct people management responsibilities


Requirements

Academic Knowledge:


 Relevant degree, FAIS RE5 competent


Foreign Languages:


N/A


Work Experience:


Minimum 10 years general banking experience and
5 years as Relationship Manager in medium/large segment. more

Requirements

Academic Knowledge:


Bachelor's degree in Finance, Business Administration, or a related field; MBA or relevant postgraduate qualification is preferred.


Work Experience:

Minimum of 10 years of experience in transaction banking or related areas.

Main Responsibilities

Strategic Leadership


Understand the target market, customer segments, and their... needs.
Analyse competitors and identify gaps in the market.
Develop and implement the strategic plan for the Global Transaction Solutions department, aligning with the bank's overall objectives.​
Identify market opportunities and trends to drive product development and competitiveness


Product Development and Management


Identify required transactional products: notice accounts, overnight loans, savings accounts features, interest on CASA balances, payment services, etc.
Oversee the design, development, and management of transaction banking products and services.​
Ensure products meet regulatory requirements and address client needs effectively


Client Relationship Management


Collaborate with Relationship Managers to provide tailored transaction banking solutions to clients.​
Engage with key clients to understand their transaction banking requirements and ensure high satisfaction levels


Risk Management and Compliance


Ensure all transaction banking activities comply with internal policies and external regulations.​
Implement risk management frameworks to mitigate operational and financial risks


Business Planning/Decision Making


Define the target market – example are our focus would be business banking and Commercial with lower end of corporate banking.
On the defined target market agree volumes, value and revenue targets
Implement the agreed strategy in the best time and cost-effective manne


Policies and Procedures


Evaluate the existing policies and procedures, enhance those that need enhancement and author and implement new policies and procedures required


People Management


Once the initial business case is approved, implement the people plan approved more