Standard Bank

600 job(s) at Standard Bank

Standard Bank Johannesburg, Gauteng, South Africa
Apr 07, 2020
Full Time
Job Details Standard Bank is a firm believer in technical innovation, to help us guarantee exceptional client service and leading edge financial solutions. Our growing global success reflects our commitment to the latest solutions, the best people, and a uniquely flexible and vibrant working culture. To help us drive our success into the future, we are looking for Data Engineer with the ability to execute on our IT Journey. Job Purpose The purpose of this role is to construct data acquisition, warehousing and reporting solutions. The role is expected to provide technical solutions in response to the needs of stakeholders by interpreting business requirements; defining solution; defining build and test tasks; constructing solutions; performing testing; participating in the deployment of solutions and ensure the systems meet immediate business requirements by providing third tier support and constructing enhancements to systems in Production. The role is should construct and document solutions according to applicable architecture, solution designs, standards, policies and governance requirements; utilise DevOps practices and tools as member of an agile team with T-roles; clearly define tasks with delivery effort estimates; contribute effectively to lean management practices and iteration ceremonies; provide third Tier support when required and deliver enhancements to Production systems in the Data Management Feature Team portfolio. Key Responsibilities/Accountabilities Define tasks and specify required technology components Define tasks and define the technology components that best deliver to user stories, in the context of epics, by conducting the following activities: Define a task sequence that delivers value to business promptly by applying lean management, Minimum Viable Product (MVP) and iterative delivery concepts Ensure tasks are clearly scoped, with defined acceptance criteria, to ensure clarity of what is required to complete work Define and performing appropriate unit and integration tests to ensure no errors are produced during and after deployments Define tasks with effective sizing of the effort required to deliver to contribute to predictable delivery and velocity management Provide lean documentation to reflect the solution design and capture data management artefacts Incorporate standard requirements - such as data quality control and future proofing - into task definition and delivery Ensure applicable standards are addressed in the solution design Apply best data integration, warehousing and reporting practices while utilising MS SQL 2016 technology Construct end to end data service solutions Identify data requirements and construct/extend data warehouse solutions (including ETL) to meet business requirements by conducting the following activities: Construct mechanisms to acquire data from a range of sources with controls that deliver to required data quality standards (e.g. BCBS239). Apply appropriate continuous integration practices to prevent defects Build solutions that are aligned with the technology strategy and future proofed through appropriate coding practices Apply DevOps testing practices as defined for the feature team Test the solution in terms of the master test plan to ensure no defects are identified post deployment Meet all governance requirements Document the solution sufficiently Engage with the other team members to achieve delivery objectives Deliver solutions that are robust and future-proofed to reduce waste and manage technology deficit Perform work aligned with the team process; meeting governance requirements; and utilising the Continuous Integration toolset Team based delivery is the focus of feature team, as opposed to individual performance. This requires the DE to participate in team practices and deliver to team standards: Participate in team ceremonies Perform work which is traditionally performed by non-engineering roles which requires knowledge of other traditional roles (such as business analysis and testing) Contribute to team performance by identifying and implementing team improvements Provide third tier support and enhancement services Provide third tier support to the systems in the portfolio to restore availability, within service level agreement performance standards: Maintain in-depth knowledge of the technology design of the system Understand accurately and completely the impact of an incident on system functionality and business Achieve quick response times to incidents through effective cause diagnosis Prevent recurrence of incidents by identifying and effectively responding to root causes through effective cause diagnosis Prevent recurrence of incidents by introducing system improvements following from effective root cause analysis Clear and specific communication to users and other role players regarding the impact and resolution of an incident Ensure that all incident, problem and change management requirements are met Deliver enhancements to the system as required by business or in response to opportunities to address technology deficit or enhance solution performance Preferred Qualification and Experience Qualifications Degree: Information Technology Preferred qualification: Honours Degree-Information Technology Certifications in MS-SQL (including SSRS, SSAS, SSIS) Experience 5 - 7 years experience in Engineering (Building databases, warehouses and reporting solutions) 5 - 7 years experience in Engineering (Building data integration solutions) 1 - 2 years experience in Operating within an agile team 1 - 2 years experience Workiing with Risk Management data in Financial Services Industry Knowledge/Technical Skills/Expertise Key Skills Linux Shell scripting, Kernal, Cron, Performance monitoring SSH Firewall / Ports Thus, ADMIN and Scripting Technical Competencies Development - The design, creation, testing and documenting of new and amended programs from supplied specifications in accordance with agreed standards. Debugging - The ability to analyse the behaviour of code to diagnose a problem and find the underlying cause. This includes but is not limited to using a debugger. Refactoring - The ability to revise existing code without impacting its functional behaviour. Use of Build Automation - The ability to use script builders as well as other related automation like continuous integration, automated deployments, and static code analysis tools.
Standard Bank Johannesburg, Gauteng, South Africa
Apr 07, 2020
Full Time
Job Details Standard Bank is a firm believer in technical innovation, to help us guarantee exceptional client service and leading edge financial solutions. Our growing global success reflects our commitment to the latest solutions, the best people, and a uniquely flexible and vibrant working culture. To help us drive our success into the future, we are looking for Data Engineer with the ability to execute on our IT Journey. Job Purpose The purpose of this role is to construct data acquisition, warehousing and reporting solutions. The role is expected to provide technical solutions in response to the needs of stakeholders by interpreting business requirements; defining solution; defining build and test tasks; constructing solutions; performing testing; participating in the deployment of solutions and ensure the systems meet immediate business requirements by providing third tier support and constructing enhancements to systems in Production. The role is should construct and document solutions according to applicable architecture, solution designs, standards, policies and governance requirements; utilise DevOps practices and tools as member of an agile team with T-roles; clearly define tasks with delivery effort estimates; contribute effectively to lean management practices and iteration ceremonies; provide third Tier support when required and deliver enhancements to Production systems in the Data Management Feature Team portfolio. Key Responsibilities/Accountabilities Define tasks and specify required technology components Define tasks and define the technology components that best deliver to user stories, in the context of epics, by conducting the following activities: Define a task sequence that delivers value to business promptly by applying lean management, Minimum Viable Product (MVP) and iterative delivery concepts Ensure tasks are clearly scoped, with defined acceptance criteria, to ensure clarity of what is required to complete work Define and performing appropriate unit and integration tests to ensure no errors are produced during and after deployments Define tasks with effective sizing of the effort required to deliver to contribute to predictable delivery and velocity management Provide lean documentation to reflect the solution design and capture data management artefacts Incorporate standard requirements - such as data quality control and future proofing - into task definition and delivery Ensure applicable standards are addressed in the solution design Apply best data integration, warehousing and reporting practices while utilising MS SQL 2016 technology Construct end to end data service solutions Identify data requirements and construct/extend data warehouse solutions (including ETL) to meet business requirements by conducting the following activities: Construct mechanisms to acquire data from a range of sources with controls that deliver to required data quality standards (e.g. BCBS239). Apply appropriate continuous integration practices to prevent defects Build solutions that are aligned with the technology strategy and future proofed through appropriate coding practices Apply DevOps testing practices as defined for the feature team Test the solution in terms of the master test plan to ensure no defects are identified post deployment Meet all governance requirements Document the solution sufficiently Engage with the other team members to achieve delivery objectives Deliver solutions that are robust and future-proofed to reduce waste and manage technology deficit Perform work aligned with the team process; meeting governance requirements; and utilising the Continuous Integration toolset Team based delivery is the focus of feature team, as opposed to individual performance. This requires the DE to participate in team practices and deliver to team standards: Participate in team ceremonies Perform work which is traditionally performed by non-engineering roles which requires knowledge of other traditional roles (such as business analysis and testing) Contribute to team performance by identifying and implementing team improvements Provide third tier support and enhancement services Provide third tier support to the systems in the portfolio to restore availability, within service level agreement performance standards: Maintain in-depth knowledge of the technology design of the system Understand accurately and completely the impact of an incident on system functionality and business Achieve quick response times to incidents through effective cause diagnosis Prevent recurrence of incidents by identifying and effectively responding to root causes through effective cause diagnosis Prevent recurrence of incidents by introducing system improvements following from effective root cause analysis Clear and specific communication to users and other role players regarding the impact and resolution of an incident Ensure that all incident, problem and change management requirements are met Deliver enhancements to the system as required by business or in response to opportunities to address technology deficit or enhance solution performance Preferred Qualification and Experience Qualifications Degree: Information Technology Preferred qualification: Honours Degree-Information Technology Certifications in MS-SQL (including SSRS, SSAS, SSIS) Experience 5 - 7 years experience in Engineering (Building databases, warehouses and reporting solutions) 5 - 7 years experience in Engineering (Building data integration solutions) 1 - 2 years experience in Operating within an agile team 1 - 2 years experience Workiing with Risk Management data in Financial Services Industry Knowledge/Technical Skills/Expertise Key Skills SQL DBA and/or Oracle DBA Background Windows, Security, AD, Hardware Phyton Power Shel Technical Competencies Development - The design, creation, testing and documenting of new and amended programs from supplied specifications in accordance with agreed standards. Debugging - The ability to analyse the behaviour of code to diagnose a problem and find the underlying cause. This includes but is not limited to using a debugger. Refactoring - The ability to revise existing code without impacting its functional behaviour. Use of Build Automation - The ability to use script builders as well as other related automation like continuous integration, automated deployments, and static code analysis tools.
Standard Bank Simmonds, Gauteng, South Africa
Apr 07, 2020
Full Time
Job Details Operations: a range of essential and complex services to ensure processes across the bank work as effectively and efficiently as possible Job Purpose This is a Middle Manager level role in which the appointed individual will be tasked with the delivery of a pre-emptive control framework for Investor Services (IS) Operations. The role will deliver true value-add” in the control environment by establishing and maintaining the necessary control processes and escalation paths within IS Operations to adequately control the processes and functions supported within those business lines. To contain Operational Risk losses by: Managing the administrative tasks as and when required. Retaining the certification of the department to the ISO 9001 quality management system. Ensuring that risk related MIS is provided to customers when required. Implementing the operating model of Operations Control. Ensuring that reporting is completed on time. Ensuring that any exceptions are escalated to the appropriate levels of management. Key Responsibilities/Accountabilities Cost and Efficiency: Create a commercial spirit and approach to ensure that cost control, operational efficiency and scalability underpin all our support servicesContain all controllable costs within budget.Control: Operate well controlled, proactive processes that comply with internal and external requirementsEstablish the First Line of Defence” for the controls applied to the Operational processes within CIB Operations. Establish and maintain the Mission Critical Processes (MCP), Sub-processes and underlying controls needed to effectively manage control across the underlying IS Operations. Ensure that key controls and all important qualitative / quantitative assessments of the control profile for IS Operations are properly represented in the MI & Dashboard reporting prepared for Global CIB Operations Control as well as other governance forums. Pro-active monitoring of control breaches to identify systemic control issues / themes. Pre-emptive monitoring of the process lifecycle to identify potential control weaknesses. Effective monitoring of the use of ControlFirst for IS Operations. Hold the management and leadership responsible for the performance of the control execution process within IS Operations. Execute and maintain a robust and scalable Business Operating Model to support the management oversight of all control processes within IS OperationsThis will include:Detection of control failures (including operational incidents and process failures relating to control) with suitable Root Cause Analysis (RCA) and failure remediation. Implementation of solutions to close control gaps or accept the residual risks post control deployment. Monitor all action plans and ensure that they are closed out timeously.Maintenance of robust reporting mechanisms for risk and performance indicators, exceptions, trends, operational incidents, executive status reporting and escalation of issues in a timely manner. Own the timely closure of findings raised by Internal and External Audit or to ensure a suitably worded motivation requesting extension is submitted prior to the audit findings becoming overdue.Service and Capability: Provide premier quality services supporting both our internal and external clientsWork in partnership with other business partner functions embedded in the wider risk framework (Operational Risk, Compliance, GIFR and Internal Audit) to ensure that controls are adequately identified and measured appropriately via the KCI process.Change: Implement efficient and timely change to support key Business and IT objectives Be committed to championing best practice, and positively supporting business and cultural changes IS Operations.People: Become the Employer of choice for the Employee of choiceContribute in creating a high-performance culture to ensure delivery of a world-class control execution service which is competitively benchmarked within the industry. Assist in building a Operations Control team for IS Operations and ensuring the optimal structuring of the team needed to deliver control capability. Assist in building managerial bench strength to support business growth as well as suitable succession planning to facilitate staff development and minimise impact of leavers. Ensure that the team is productive and achieving its goals. Provide input into monthly PDP discussions held with all staff. Preferred Qualification and Experience Qualifications Minimum qualifications B. Commerce with a major in Accounting or Risk preferred. Certifications STRATE ExamsKnowledge Will be expected to have detailed product knowledge in a number of different risk profiling functions supported by a deep understanding of the procedures that support the risk process lifecycle. Business Continuity ISO 9001 Knowledge of Investor Services products STRATE rules MS Excel PowerBi Experience Should have proven experience in developing an effective and scalable Risk Control function, and should ideally have a minimum of 2 to 5 years experience of having been part of a Control or Risk function. Should be able to demonstrate experience of having managed small sized teams and of having held leadership position. Have suitable knowledge/understanding of SBSA Operational Risk framework. Three years financial services experience relating to Investor Services Operations. Knowledge/Technical Skills/Expertise Promote Good Governance, Risk and Control The ability to assess governance and control frameworks against the appropriate risk appetite and enhance the risk management culture in line with the organisational objectives. Evaluation of Internal Controls The ability to analyse process controls for effectiveness from a design and implementation perspective. Remedial Action Development The ability to develop control improvements required to mitigate the risks or control failures identified during control reviews. Business Acumen Understand the banking industry and the impact that the economic and regulatory environment have on the organisation. Apply this knowledge in your assessment of risks and recommendation of appropriate control and quality frameworks. Continuous Process Improvement The ability to review existing processes with the view to find better ways to execute tasks on a continuous basis. Risk Reporting The ability to prepare quantitative and qualitative analysis on the risk landscape in the business including interpretation and analysis for use by business users. Risk Awareness General awareness of risk management practices in a financial services organisation. Risk Management Demonstrates knowledge and understanding of risk management methodologies, tools, governance structures and regulatory requirements for good management of risk. Risk Identification The examination of the essential elements of risk such as; assets, threats, vulnerabilities, safeguards, consequences and the likelihood of the threats materialising. Business Process Improvement The identification of new and alternative approaches to performing business activities. The analysis of business processes, including recognition of the potential for automation of the processes, assessment of the costs and potential benefits of the new approaches considered and, where appropriate, management of change and assistance with implementation. Project Management Ability to plan, initiate, execute, control and close projects related to a relevant function. Stakeholder Management The ability to identify and engage with all the key stakeholders. Root Cause Analysis Knowledge and application of techniques that can be applied to determine the cause of process or control failures.
Standard Bank Johannesburg, Gauteng, South Africa
Apr 07, 2020
Full Time
Job Details Information Technology: systems development, business analysis, architecture, project management, data warehousing, infrastructure, maintenance and production Job Purpose To manage and oversee the Bank's operational & tactical initiatives which include the execution and, implementation of application delivery programmes and projects against the Bank's standards, policies and procedures and governance guidelines and Service Level Agreements. The Senior Developer provides technical solutions to the needs of stakeholders by interpreting business requirements, defining technical tasks, engineers' quality software, performing end to end testing, as well as supporting and troubleshooting technical questions, software and database issues. Assist in driving Business Unit Strategy across multiple platforms. Building of Operation Frameworks / processes to take the Business Unit to the next level of excellence. Building out of Big Data Platform and consolidating Group Data for provisioning via required channels. Operational / Analytical data provisioning and insights into data landscape. Understanding and optimizing Data Flow Patterns to rationalize data inputs. Shaping of unstructured data acquisitioning and Realtime Data Integration Patterns. Positions will be hands-on with role being involved in execution. Engagement and shaping Data Initiatives to ensure Strategic Alignment to Group Architecture. The role would require continuous upskilling on new Technologies / Patterns / Frameworks and market trends. The successful candidate will need to maintain and enhance BI platforms which includes managing upgrades (attending change approval board meetings) understanding and implementing fixes, communicating with the team if there are limitations or obstacles preventing the platform from running optimally. The successful individual should also dedicate a percentage of their time to research and development. Key Responsibilities/Accountabilities Key Responsibilities Adheres to Agile methodologies and follows Agile principles through work outputs and behaviours. Strives to reach mature levels on the Continuum model by building own and team competence to work in a continuous delivery environment: Champion team learning and adopt suitable methodologies and practices Collaborates with colleagues from different disciplines in a cross-functional team to deliver against iteration targets Works in partnership with Business representatives (e.g. Product Owner, Product Manager) ensuring alignment and value to the customer. Is able manage their work effectively as an individual and team member including the reprioritisation of backlogs and reacts flexibly to changing demands through: Managing their work using available resources and methodologies ensuring full team engagement Estimating the size and complexity of the work within the team and managing this appropriately Determining the technical design in their area of concern, within the architectural guidelines Driving team commitments to the work in every iteration or Program Increment Is responsible for value and builds to continuously improve the quality of deliverables Continuously finding ways to improve own and the team's delivery and value to the customer Scope, Plan, Design and Review end to end solutions Advises the development staff on the evaluation and impact analysis of major design options Engages with Information Technology support teams and business stakeholders to scope plan and design end to end solutions. Define and Develop application complex code Produce outline system specifications using solution designs, functional specifications or technical specifications as input, including input into scope, constraints (such as performance or resources), hardware, network and software environments and depending on the complexity of the project or change, might need to get the different resources from the different Bus Produces specifications for systems functions, information flows, data loads, implementation strategy, phasing of development, requirements not met and alternatives considered. Translate logical designs into component designs taking into account the solution design, performance requirements and existing systems. Perform risk analysis and produce development plans in order to consider the impact of design decisions. Build, code and review user and system interfaces including menus, screen dialogues, inputs, reports, validation and error correction, processing rules, access, security, audit controls, recovery routines and contingency procedures. Works with data analysis colleagues to produce or update system or object data models and correlate these with corporate models. Works with database design or database administration teams to translate object and data models into appropriate database schemas within design constraints. Assists less experienced colleagues with complex coding problems. Conduct quality assurance and approve developed code linked to supplied specifications for production deployment. Provide guidance and assistance to colleagues on any aspect of program component design, creation, testing and documentation Drives Continuous improvemen t Coaches the more junior developers on technical aspects of application development, controls, and documentation standards as well as on engaging effectively. Performs quality assurance on the work completed by junior developers. Quality assurance can cover code developed as well as supporting documents and test plans. Actively looks for opportunities to shorten development times, improve skills of the team and improve cost efficiency of application development activities. Ensures that all component designs take into account all specified requirements and constraints. Provides level 3 support and production standby post go live. Preferred Qualification and Experience Qualifications BSc Comp Science, B.Com Informatics degree or advanced degree Experience 5-7 Years experience in Information Technology Integration Technologies: SCP, SSH, Connect Direct, MQFTE Hadoop Certified or Experience - Programmer / Administrator Analytics using Python, R Framework Based Thinking / Design / Implementation Operational / Production Based Thinking Dev-ops Experience Agile Experience - SAFE Model Platforms - Unix, Windows, Linux, Hadoop (HortonWorks) Database Platforms - SQL Server, Oracle, Hive, HBASE, ORC, TeraData, SQL, PLSQL, SAS - Formal Certification will be advantage. ETL Toolsets - SSIS, Abinitio, DataStage - Formal Certification will be advantage Languages - JAVA, C#, Python, Unix Scripting, R - Formal Certification will be advantage, PowerShell BI Toolset: QlikView, Qlik Sense, NPrinting, SSRS, SSAS, Business Objects, Cognos, Power BI (Cloud and On-Prem) - (non-negotiable). Automation Tools: Control M, TWS (Tivoli Web Scheduler) Knowledge of cloud platforms (AWS and Azure) Be available for afterhours support, note that this is not frequent, but we need the successful candidate to be able to be committed in owning the platform. Knowledge/Technical Skills/Expertise Technical Competencies IT Knowledge - Evaluates various technologies for relevance and cost-effectiveness for implementation in the organisation. Constantly keeps pace with new technology and identifies relevant applications in different areas of the institution. Conducts risk/benefit assessments when considering the adoption of new technologies. Understands products to internal level. IT Development - The design, creation, testing and documenting of new and amended programs from supplied specifications Works on solving incoherencies in the detailed technical specifications and asks for, or proposes, changes. Allocates pieces of work to teams of developers, taking into account individual abilities and in accordance with agreed standards. IT Applications - Ability to assess system strength and weaknesses, and competitive advantages. Designs new business process and functionalities. Works with users at all levels to define system requirements and specifies appropriate system environments to meet operational needs and system performance objectives. Able to define disaster recovery policies and procedures. Implements and monitors policies and standards for IT application section and recommends areas for improvement. Automated Unit Testing - Reviews the effectiveness of the test solution against best practice criteria. Proposes changes to the test configuration to support the system functionality against business or client specifications. Provides specialist input to technical team on automated test methodology and tools related to various system applications. Data Integrity - Periodic assessment of the effectiveness of the key controls over data integrity for the key data dependency. Issues a practice guide to steer data integrity towards an integrated data management strategy. Coaches and guides others towards compliance with the data management policies and regulatory requirements. Write code - Works on solving incoherencies in the detailed technical specifications and asks for, or proposes, changes. Allocates pieces of work to teams of developers, taking into account individual abilities and requirements. Ensures that deliverables are met and business objectives are achieved within time, quality and budget. Behavioural Competencies Resolving Conflict Upholding Standards Pursuing Goals Understanding People Articulating Information Making Decisions Team Working Embracing Change
Standard Bank Caledon, Western Cape, South Africa
Apr 07, 2020
Full Time
Job Details Retail & Business Banking Job Purpose To take demand (in branch) from personal customers for any banking matters ranging from product questions to customer account activities (e.g., opening accounts, statements, debit order information, etc.), whilst forming an accurate assessment and understanding of that demand in order to act on it in a one-and-done manner that consistently delivers what matters to the customer within product and legislative (e.g., FAIS) parameters. To drive customer service excellence in order to add value and contribute to the overall profitability of the branch. To use data to identify system conditions that may hinder capability of response and what matters to the customer, whilst maximising value demand. Key Responsibilities/Accountabilities Determine personal customer demand: Engages with customers in order to understand what matters to the customer and deliver against those demands. Validates the customer's regulatory status (e.g., KYC, POPI, etc.). Identifies authenticity of the customer (where required) in order to prevent disclosure of information to unauthorised persons. Takes ownership of every demand and provides the customer with an immediate response (depending on the nature of the demand) or facilitates the completion of the customer demand. Drives one-and-done as far as possible - updates relevant systems with history notes as applicable. Understands the risks associated with the customer demand and adheres to all risk and compliance requirements when executing on demand. Deals with customer enquiries, ranging from product questions to customer account activities. Deliver on personal customer demand - general customer banking demands: Links / de-links accounts to Cards according to laid down procedures. Orders replacement credit / debit cards from Card Division upon customer request. Attends to limit increases or decreases of Master Card limits, as per customer demand. Processes fixed savings account transactions. Processes stop payments, stop orders and standing instructions for customers, issues provisional statements, balance and other simple enquiries (FuneralPlan / Standing Order and Stop Payment). Amends EAP beneficiaries. Processes value and non-value transactions. Processes transactional limits on ATM / credit cards. Ensures that all new service requests (queries and complaints) are logged correctly. Ensures that service requests in personal work list are actioned within agreed timelines. Educates customers on self-service / IVR functionality (e.g., PIN over IVR). Issues cheque books, cards and Personal Identification Number (PIN) codes. Attends to requests and provides Collect statements to customers. Issues deposit books to customers. Issues unpaid cheques for collection when customers call to collect. Deliver on customer demand - account opening (personal customers only): Discloses to customers that he/she is acting under supervision along with other relevant FAIS disclosures, and ensures business processes are followed to ensure the customer receives this in writing. Manages the risks associated with new accounts, mandates and specimen signatures (physical branch only) by adhering to risk and compliance requirements (e.g., use of online fingerprint verification, scanning at source, eSign, etc.). Opens new accounts (including on-boarding), transfers, amends and closes accounts according to laid down procedures (e.g., confirmation of employment, completes AML mandatory fields, etc.). Ensures that customers are fully informed of their rights and obligations to the bank in accordance with the Code of Banking Practice. Gathers and completes accurate data for the opening of loan accounts (e.g., secured and unsecured) and granting of facilities. Refers matters outside scoring criteria, with the appropriate information, to the Credit Evaluation Manager for further investigation. Understands a customer's conduct on an account by reading bank statements, verifying the income and expenditure and reading and interpreting of scorecards. Drive demand generation opportunities: In conversing with customers, identify demand generation opportunities: Completes lead generation tracking forms as and when required (e.g., Wealth). Ensures that all leads are logged correctly in the presence of the customer and identifies demand generation opportunities. Participates in specific campaigns and marketing activities as required. Proactively promotes the use of multiple channels to customers including mobile banking, internet banking and other non-physical branch channels. Obtains necessary customer documentation as required by Know Your Customer (KYC) policies and regulations. Uploads documentation on ECM and instructs customers to submit original documentation at domicile branch. Accurately captures, updates or amends customer information and history notes. Determines any additional customer demand that could be met whilst interacting with customer. Information collation, analysis and reporting: Continuously assesses what matters to the customer against the ability of processes and systems to meet the customers demand, in order to make recommendations to the Team Lead to act on the system and as further input into the Enablement and Product areas. Collates information on value, variation and failure in the system whilst executing work processes, in order to contribute to development of management information for the department. Analyses data and information in order to develop and apply self-correcting action within scope, to enable constant fulfilment of customer demand. Facilitates group meetings when required to contribute to collective learning and growth for individuals and teams. Updates capability charts and MIS in order to maintain an accurate database to assist leaders who are required to act on the system. Work in self-managed teams: Adheres to the purpose and team principles (i.e. holding each other accountable). Adheres to and adopts new methods within the work. Successful delivery of outputs would be measured as follows: Delivers against what matters to the customer (within laid-down policies and procedures). Value vs failure demand (improvement in ratio of value demand versus failure demand). Improvement of capability of response. Customer demand perfectly delivered without any ‘comebacks' (e.g., one-and-done; reduced abandonment rates). Customer satisfaction rating. Minimised customer hand offs. Highlighting, acting and adhering to areas of improvement. Work force schedule adherence. Adherence to FAIS supervision contract requirements (e.g., prepares relevant evidence, etc.) as gauged by the Supervisor. Increased growth in profitability. Achievement of specified technical competencies required for level 1. Preferred Qualification and Experience Fais Accredited Qualification Post-matric qualification (Diploma/Degree) - NQF 5 and Above 1-2 years Personal and Business Banking Knowledge/Technical Skills/Expertise As detailed above
Standard Bank Clanwilliam, Western Cape, South Africa
Apr 07, 2020
Full Time
Job Details Retail & Business Banking Job Purpose To take demand (in branch) from personal customers for any banking matters ranging from product questions to customer account activities (e.g., opening accounts, statements, debit order information, etc.), whilst forming an accurate assessment and understanding of that demand in order to act on it in a one-and-done manner that consistently delivers what matters to the customer within product and legislative (e.g., FAIS) parameters. To drive customer service excellence in order to add value and contribute to the overall profitability of the branch. To use data to identify system conditions that may hinder capability of response and what matters to the customer, whilst maximising value demand. Key Responsibilities/Accountabilities Determine personal customer demand: Engages with customers in order to understand what matters to the customer and deliver against those demands. Validates the customer's regulatory status (e.g., KYC, POPI, etc.). Identifies authenticity of the customer (where required) in order to prevent disclosure of information to unauthorised persons. Takes ownership of every demand and provides the customer with an immediate response (depending on the nature of the demand) or facilitates the completion of the customer demand. Drives one-and-done as far as possible - updates relevant systems with history notes as applicable. Understands the risks associated with the customer demand and adheres to all risk and compliance requirements when executing on demand. Deals with customer enquiries, ranging from product questions to customer account activities. Deliver on personal customer demand - general customer banking demands: Links / de-links accounts to Cards according to laid down procedures. Orders replacement credit / debit cards from Card Division upon customer request. Attends to limit increases or decreases of Master Card limits, as per customer demand. Processes fixed savings account transactions. Processes stop payments, stop orders and standing instructions for customers, issues provisional statements, balance and other simple enquiries (FuneralPlan / Standing Order and Stop Payment). Amends EAP beneficiaries. Processes value and non-value transactions. Processes transactional limits on ATM / credit cards. Ensures that all new service requests (queries and complaints) are logged correctly. Ensures that service requests in personal work list are actioned within agreed timelines. Educates customers on self-service / IVR functionality (e.g., PIN over IVR). Issues cheque books, cards and Personal Identification Number (PIN) codes. Attends to requests and provides Collect statements to customers. Issues deposit books to customers. Issues unpaid cheques for collection when customers call to collect. Deliver on customer demand - account opening (personal customers only): Discloses to customers that he/she is acting under supervision along with other relevant FAIS disclosures, and ensures business processes are followed to ensure the customer receives this in writing. Manages the risks associated with new accounts, mandates and specimen signatures (physical branch only) by adhering to risk and compliance requirements (e.g., use of online fingerprint verification, scanning at source, eSign, etc.). Opens new accounts (including on-boarding), transfers, amends and closes accounts according to laid down procedures (e.g., confirmation of employment, completes AML mandatory fields, etc.). Ensures that customers are fully informed of their rights and obligations to the bank in accordance with the Code of Banking Practice. Gathers and completes accurate data for the opening of loan accounts (e.g., secured and unsecured) and granting of facilities. Refers matters outside scoring criteria, with the appropriate information, to the Credit Evaluation Manager for further investigation. Understands a customer's conduct on an account by reading bank statements, verifying the income and expenditure and reading and interpreting of scorecards. Drive demand generation opportunities: In conversing with customers, identify demand generation opportunities: Completes lead generation tracking forms as and when required (e.g., Wealth). Ensures that all leads are logged correctly in the presence of the customer and identifies demand generation opportunities. Participates in specific campaigns and marketing activities as required. Proactively promotes the use of multiple channels to customers including mobile banking, internet banking and other non-physical branch channels. Obtains necessary customer documentation as required by Know Your Customer (KYC) policies and regulations. Uploads documentation on ECM and instructs customers to submit original documentation at domicile branch. Accurately captures, updates or amends customer information and history notes. Determines any additional customer demand that could be met whilst interacting with customer. Information collation, analysis and reporting: Continuously assesses what matters to the customer against the ability of processes and systems to meet the customers demand, in order to make recommendations to the Team Lead to act on the system and as further input into the Enablement and Product areas. Collates information on value, variation and failure in the system whilst executing work processes, in order to contribute to development of management information for the department. Analyses data and information in order to develop and apply self-correcting action within scope, to enable constant fulfilment of customer demand. Facilitates group meetings when required to contribute to collective learning and growth for individuals and teams. Updates capability charts and MIS in order to maintain an accurate database to assist leaders who are required to act on the system. Work in self-managed teams: Adheres to the purpose and team principles (i.e. holding each other accountable). Adheres to and adopts new methods within the work. Successful delivery of outputs would be measured as follows: Delivers against what matters to the customer (within laid-down policies and procedures). Value vs failure demand (improvement in ratio of value demand versus failure demand). Improvement of capability of response. Customer demand perfectly delivered without any ‘comebacks' (e.g., one-and-done; reduced abandonment rates). Customer satisfaction rating. Minimised customer hand offs. Highlighting, acting and adhering to areas of improvement. Work force schedule adherence. Adherence to FAIS supervision contract requirements (e.g., prepares relevant evidence, etc.) as gauged by the Supervisor. Increased growth in profitability. Achievement of specified technical competencies required for level 1. Preferred Qualification and Experience Fais Accredited Qualification Post-matric qualification (Diploma/Degree) - NQF 5 and Above 1-2 years Personal and Business Banking Knowledge/Technical Skills/Expertise As detailed above
Standard Bank Tugela Ferry, Kwazulu Natal, South Africa
Apr 07, 2020
Full Time
Job Details Retail & Business Banking Job Purpose POR Leader that looks after Cash and Universal Bankers and / front of house. Builds and develops resources and environments to enable the team to achieve its desired vision. Responsible for the facilitation of a team's outcomes. Facilitate the process of removing obstacles. Accountable for a team in a POR and / a POR. The team consists of : Universal Bankers level 1 and /, 2 and / 3; and / or Consultant, Cash and / Team Leader, Cash; and / Team Leader, Universal Banker and/ Client Liaison Officer Key Responsibilities/Accountabilities Determine customer requirements: Ensures that the team(s) attend to customers, understand what matters to the customer and delivers against those demands (i.e. determine the what, why, when, where and how). Ensures that the team(s) take ownership of every demand and provides the customer with an immediate response (depending on the nature of the demand) or facilitates the completion of the customer demand. Ensures that the teams understand the risks associated with the handling of the different demands (e.g., follows effective controls to minimise risk) this includes authentication of the customer to prevent disclosure of information to unauthorised persons (e.g., knows how to identify the customer). Takes customer demand to understand what matters to customers. Meet customer expectations: Continuously coaches team(s) on system conditions that could hinder business and / or individual performance. Enable a learning environment where the team(s) skills are matched to customer demands. Ensure that customers complaints are resolved effectively within the prescribed timelines. Ensures that the team(s) are appropriately reflected on the Bank's systems to enable the correct flow of work. Assists with customer escalations, complaints and queries. Create the ability to act on failure demand and resolve for repeat instances. Act on the data to improve Capability of Response, delivery of what matters and eradicate failure demand through team engagement. Continuously assess what matters to the customer against the ability of processes and systems to meet the customers demand. Grow and create value: In conversing with customers, identify value demand opportunities: Ensures that all leads are logged correctly while connecting with the customer and identifies demand generation opportunities. Participates in specific campaigns and marketing activities as required. Proactively promotes the use of multiple channels to customers Accurately captures, updates or amends customer data Understand financial measures which includes OI, Assets, Liabilities, NIR, NII, Impairments and costs Providing directional support to the team to achieve customer led measures Data, analytics and reporting: Understands and solves for the changes and trends in data as it relates to. Eg. COR, failure, value demands, abandoned calls, handle time, volume of demand and time taken to respond. Assess and act on the capacity of the team to serve customer demand and solve in collaboration with the team. Facilitate the discussion on data with teams and facilitate the improvement of processes and methods based on data. Reviewing and analysing data daily to understand the performance of the team and determining what to act on. Actions and scrutinises relevant reports as per laid-down instructions. Ensures that revenue is recovered correctly for all types of transactions/services provided. Attends to customer demands (irrespective of communication channels) within the agreed timelines. Obtains documentation and assist with fraud and internal investigations, including special investigations. Reports losses for own team(s) according to laid down procedures and provides input to the investigation of losses. Ensures that finding sheets from Risk Assurance and Internal Audit has been responded and irregularities attended to according to laid down procedures. Ensure that the communication is shared and understood by team(s). Risk and compliance: Facilitate the process for team (s) to understand the risks associated with handling of high risk related demands. Facilitate the process of compliance to the FAIS act and build fit and proper teams that can handle demand. Ensures that a Risk Mitigation undertakes regular surprise checks and facilitate the process of corrective action. Ensures staff awareness in terms of fraud and fraud activities. People focus : Facilitation of team(s) outcomes, which includes driving performance, achieving aspirations and addressing skills gaps. Develops a high performing team by embedding the bank's performance process, regular performance feedback and coaching. Help the team understand their contribution to the overall performance through various tactics (including coaching). Help the team to adopt and apply the methods designed to assist in serving customer demand. Motivates team members and ensures that they receive recognition for work well done. Maintains a people plan for the team(s) which includes succession planning for critical roles, talent engagement and personal development plans. Facilitation of the decision-making process. Enable team (s) to pull on resources to make decisions. Provide team (s) with the rights tools and knowledge to take customer demand. Determines development needs of the team and ensures that development opportunities (training, rotation, on-the-job learning) are budgeted for and executed. Follow the agreed selection process for new members of the team(s), aligned to the local Workforce Management Plan. Accountable for the onboarding, induction and orientation of new team members. Collaboratively ensuring that there is a sufficient number staff in place to meet the fluctuating demands of customers by effectively interpreting and actioning on available data like call volumes, handle time, time spent on improvement work. Monitors staff costs and create action plans to address wastage and leakage (where relevant). When required, initiates and or follow people processes which includes resolving of grievances, disciplinary matters and any disputes. Understands the reasons for individual banker variation in capability and uses the correct approach to solve for this which may relate to system conditions, knowledge, behaviour etc Typically 10 and more direct reports. Successful delivery of outputs would be measured as follows: Customer satisfaction rating. Minimised customer hand offs. Customer demand perfectly delivered without any ‘comebacks'. Endeavour to do only value work. Meet what matters to the customer (within laid-down policies and procedures). Improvement on capability of response. Highlighting and acting on areas of improvement. Effective people management (e.g., perform to grow, skills development, reward and recognition). Preferred Qualification and Experience Minimum Qualifications: First Degree:Field of study: Business Commerce Relevant qualification with RE5 5-7 Years Previous experience in the front line. Knowledge of retail and commercial products required for understanding the context of stated customer demands. Knowledge of the procedures and the interdependencies of the various functions performed in Branch (Voice and Physical). Knowledge/Technical Skills/Expertise Customer Understanding Product Knowledge Application and Submission Verification Processing Customer Acceptance and Review Banking Process and Procedures Heart of Customer Experience Client Retention Customer and Client Focused Innovation Driving Delivery of Results Leading Courageously Inspiring Performance for Execution Growing Capability
Standard Bank Rosebank, Gauteng, South Africa
Apr 07, 2020
Full Time
Job Details Investments Job Purpose To ensure efficient and effective operational support to the Offshore Services business unit by ensuring effective coordination between the Group Enabling functions and the business. To enable effective reporting on overall Offshore Services performance and operations. To co-ordinate all ad-hoc projects that are implemented within Offshore Services. To take responsibility for high risk routine compliance, physical security of bank assets, relationships with vendors and business partners, as well as cost management Key Responsibilities/Accountabilities Operational Support to Offshore Services Ensures the effective co-ordination of the on boarding and exit process for all staff within Offshore Services Ensures that all marketing material and content is relevant and up to date for Offshore Services Understands and ensures the correct allocation of finance journal entries (Income and Expenses) at cost centre level for Offshore Services Manages the efficient deployment of commission payments and invoice collation in a timely manner Ensures that Offshore Share-point and lead systems (Value add and Lead management) are effectively utilised and managed Ensures that the co-ordination of the monthly staff meetings is effectively managed, i.e. meeting agenda, minutes, etc. Risk and Compliance Application of TCF principles in administrative functions and reporting of TCF adherence within Offshore Services Enhance data protection and cyber security measures (education, training and monitoring) To participate in a seamless audit process Complete all compliance training within the required timeframes Utilise Risk Assurance, Internal Audit and Financial Services Monitoring reports to assist in identifying and addressing non-adherence to procedures within Offshore Services Assist to ensure that agreed actions to address findings raised by Risk Assurance, Internal Audit and Services Monitoring are implemented within the committed timeframes Provide support in addressing risk trends identified in the monitoring reports Assist in ensuring that risk and compliance trends and deviations are corrected by the relevant team Assist with and participate in projects initiated by Wealth International and South Africa Compliance to determine impact of new and/or amendments to regulatory and legislative requirements (POPI, GDPR, etc.) Complete the annual review of the Business Continuity Management (BCM) on the relevant system Ensure that all compliance related training statistics are reported on to all stakeholders within required timeframes Reporting Management for Offshore Services Ensures that all necessary reports are accurate and made available to relevant stakeholders within required timeframes Ensures that ad-hoc reports are produced on behalf of Offshore services as and when required Ensures the accurate calculation and allocation of commission pay away to internal and external sales introducers for Offshore Services Project Management Ensure that all projects implemented within the Offshore environment are within budget and deadlines Pro-actively identifies continuous improvement initiatives and ensures that these improvement initiatives are effectively implemented Lead Reporting Management for Offshore Services Ensures that all necessary reports for tracking leads are accurate and made available to relevant stakeholders within required timeframes Ensures that ad-hoc leads reports are produced on behalf of Offshore services as and when required People management Responsible for the recruitment, development and retention of relevant skills in order to meet the business needs Ensures the effective selection of staff by matching the skills and competencies to the requirements of the job Ensures skills assessments and competency-based training takes place as and when required Builds organisational capabilities through evaluating likely future requirements and ensuring that individuals are provided with the best possible development opportunities in line with these Creates an environment in which learning and development are emphasised and valued Takes personal responsibility for coaching and mentoring others Effectively delegates authority and responsibility, in line with business objectives, to ensure the empowerment, motivation and effectiveness of all direct and indirect reports Ensures the implementation of the leadership promise and employee engagement programme Encourages team members to express their views, resolves issues raised by the team, escalates issues if required, and provides feedback to teams on an on-going basis Develops and maintains an open communication channel with direct reports and supports staff to foster greater co-operation and teamwork Monitors and manages the performance and development of staff within the area. This includes regular one-on-one feedback sessions, conducting mid-year and final performance appraisals, as well as the moderation and relative distribution of all appraisals for the team Ensures staff are appropriately and consistently rewarded and recognised for their achievements and outputs Ensures that disciplinary action and grievances are addressed and aligned to the Standard Bank policies and procedures Relationship and Stakeholder Management Ensure quality internal and external stakeholder relationships is established and maintained at all times to achieve and sustain the Offshore Services business objectives Change Management Pro-actively identifies opportunities for process enhancements within Offshore Services and, in conjunction with the Head, Operations and Compliance (Offshore Services), establish automated solutions as far as possible Co-ordinates an effective change management process within Offshore Services for any new and/or enhanced processes and procedures Effective change management and adoption of projects and initiatives, where not directly co-ordinated Preferred Qualification and Experience Matric Degree in Commerce / Business Administration 5 - 7 years financial services experience in administrative / operations enviroment 3- 4 years Management and Business Information Analyst experience would be preferable Knowledge/Technical Skills/Expertise Good Knowledge in operations and business principles Good understanding of Sales distribution A good understanding of internal and external stakeholders' requirements from an operations perspective. Knowledge of the Offshore sales processes Knowledge and understanding of risk management principles and practices.
SME
Standard Bank Simmonds, Gauteng, South Africa
Apr 07, 2020
Full Time
Job Details Operations: a range of essential and complex services to ensure processes across the bank work as effectively and efficiently as possible Job Purpose SME Consultants provide input in gathering business requirements for required changes. Quality assure all documentation as presented by the business analyst and review proposed solutions. In this process they make recommendations and influence business and process owners on the most pragmatic or sensible options to choose for process, policy or system changes Key Responsibilities/Accountabilities General: Obtain documentation and engage with colleagues in the business to understand the business unit, its processes and its applications. Provide input into the detailed Business Requirements document and concerns obtained from stakeholders during the requirements gathering process and ensure a shared understanding and agreement to the solution requirements and priorities of requirements. Validate documented requirements to ensure they match stakeholders understanding Review current state processes and identify problem areas Proactively identify areas of improvement or opportunities in existing business processes and applications. Evaluate proposed requirements and solutions against business objectives in the area and highlight concerns to the business owner of the planned change. Track requirements throughout the lifecycle of development and implementation and support ongoing efforts to check that the requirements are in line with business objectives. Participate in the change management activities once the defined solutions are at implementation stage. Provide thought leadership in their field of expertise and be the go-to person Work with business owners to develop business solutions: Subsequent to analysing and developing the requirements, evaluate and develop solution options for the business to select from. Research best practice options within and outside the Bank to take into consideration when debating and selecting desired business solutions. Provide input into gap analysis against existing processes to understand the impacts of proposed changes. Ensure that business owners are clear on the change impacts. Provide recommendations for business owners on the solution alternatives. Participate and Quality assure the design of the business or system solution: Participate in the development of system specifications for projects that have a systems impact. Provide input into functional and non-functional specifications as per the defined standards in the business Define temporary requirements, if any, for transitioning the solution to a working state such as creating parallel operations, operational training and phased roll-outs. Ensure that the functional requirements are detailed enough to enable a technical design. Support the delivery and implementation of changes: Provide support and input into system testing activities including participating in the development of the testing approach, development of test cases as well as the creation of testing scenarios. Coordinate or facilitate, or on occasion undertake user acceptance testing of system changes as well as process changes. Provide detailed feedback on whether the developed solution meets the defined business requirements. Assist in the process of resolving post implementation issues during the support period as defined for the project. Collaborate with technology and solutions partners to ensure that all functional requirements are addressed during development and implementation. Ensure that all relevant stakeholders i.e. production support, business users etc. have been engaged during the sdlc process. Participate in quality reviews and implement corrective measures to ensure that the solution still meets business requirements. Assist in the identification of risks and issues throughout the project life cycle and ensure that where it has an impact on the requirements definition or solution development, adequate mitigation measures are put in place. Review changes to the project scope and deliverables together with the SME Lead and business owners. Provide advice on the impact to project timelines and solution scope. Provide regular reports and updates to SME Lead and business owners on the progress of the activities assigned to the SME throughout the project/change. Follow working instructions, policies and procedures as documented in the ISO 9001 folder on the ISO SharePoint site. Limits of authority: Free to act within the approved quality framework and agreed policies of CIB Operations Division, as they are published by the Division's executives. Directly responsible to the Business Manager in respect of line functions and to the Project Manager in respect of the project tasks and functions. Preferred Qualification and Experience . Knowledge/Technical Skills/Expertise .
Standard Bank Rosebank, Gauteng, South Africa
Apr 07, 2020
Full Time
Job Details Transactional Products & Services; This team is constantly working to extend our service capability and product range, consolidating our operations in established markets while expanding and extending in emerging markets. We divide our core capabilities into three product groups - Investor Services, Transactional Banking and International Trade Services. Job Purpose To lead the end-to-end Payments and Receivables (P&R) value chain for multiple markets, delivering customised P&R solutions that assist clients to optimally manage their cash flow, while contributing towards both the P&R and TPS profitability. Key Responsibilities/Accountabilities Strategy Product Strategy Own, develop and drive the Payments and Receivables strategic roadmap within multiple markets across sectors, geography or country to achieve the portfolio goals and objectives aligned to the universal TPS strategy. Client Client-centric Product Solutions Make trade-offs (i.e. Investments, People) to establish and customise product solutions by staying abreast of future product and industry trends, understand Fintech disruptions, technological and digital advancements that meet the needs of targeted clients across sectors, geography or country. Product Product Innovation Lead future product innovations considering new digital technologies, market trends, Fintech disruptions, artificial intelligence and behavioural economics to shape new products and enhance existing products to remain relevant and competitive. Value Chain Own all initiatives and activities enabling the delivery of the desired product outcomes in the value chain across multiple markets, which includes being the chairperson of the Payments and Receivables (P&R) Governance committee and holding accountability for the incorrect product delivery outcomes. Product Life-cycle Management Own the management of the product life-cycle including making critical decisions on financial and product trade-offs that enables the development and deployment of relevant and appropriate products for multiple markets aligned TPS business financial goals, product profitability and clients needs. Product Profitability Define and own the overall pricing strategy for multiple markets to drive commercial competitiveness and product profitability in line with profit and loss goals, as well as make strategic decisions on loss leader product offerings that will create the flow through of income and profits. Toolbox Define the Payments and Receivables framework, principles, standards, processes and procedure utilising market trends, digital disruption, and best practice to build and maintain the P&R toolbox of vanilla and bespoke products and solutions to ensure consistent application and appropriate scalability across country and geography within Payments and Receivables. Financial Management Budget Requirements Budget for new product development and innovations, including percentage improvements for product profitability that will contribute towards the Payments and Receivables profit and loss statement. Ensure that financial reports are prepared timeously and accurately and meet CIB's requirements, policies and quality standards. Total Cost of Ownership Calculate the direct and indirect costs to develop, implement and maintain products in multiple markets to effectively in multiple set the exit price and verify the return on investment. Governance and Risk Product Governance Represent CIB at all governance, compliance and risk committee (CIB Ops, BRCC etc) meetings both internally and externally to stay abreast of any new regulations, or changes to current regulations to ensure Payments and Receivables product compliance. Preferred Qualification and Experience Minimum Qualifications Type of qualification: Bachelors Degree Field of study: Banking, Finance, Business, Commerce Other minimum qualifications, certifications or professional memberships Preferred Qualifications Type of qualification: Bachelors Degree Field of study: Banking, Finance, Business, Commerce Experience 1 Experience Description: Previous experience at financial services institutions specifically within Payments (cross boarder and domestic) and Receivables Experience 2 Experience Description: Experience with managing and executing the end-to-end product life-cycle Experience 3 Experience Description: Experience and product knowledge of Corporate and Investment Banking(CIB) segment Experience 4 Experience Description: Experience in client engagements across sectors, geography or country Knowledge/Technical Skills/Expertise .
Standard Bank Johannesburg, Gauteng, South Africa
Apr 06, 2020
Full Time
Job Details Standard Bank is the largest bank in Africa and our highly visible brand, award-winning service, and strong global presence helps us maintain our market-leading position. We place huge value on the talent of our people to drive our continued success, and to support our plans for growth. We now need a talented and resourceful individual to help us fulfill our business objectives and build customer loyalty. Job Purpose To deliver on the end-to-end migration initiatives for Business Banking by managing a central channel migration capability and oversee the planning, execution and monitoring of Segment migration initiatives. To drive business adoption of Segment migration governance in conjunction with stakeholders and monitors business adoption on an ongoing basis by reporting the authorised and unauthorised migrations to PBBSA EXCO monthly. To formulate action plans to ensure Client Coverage migration initiatives are successfully implemented across Client Coverage. To drive execution of the Migration Governance implementation as defined by the Business Banking. Key Responsibilities/Accountabilities Apply governance and oversight to Segment migrations Execute data element changes for all Segment migration activities Stakeholder management (Across PBBSA and CIB) Process measures specific to central capability processes Implementation of measurement mechanisms for tracking of migration successes Serves as a single point of contact for the project management of migration initiatives across the Business Banking. Represents Business Banking in key project decisions relating to migration initiatives. Ensures that the deployment of Segment & transaction migration initiatives comply with the Migration Principles. Monitors migration projects from beginning to end to ensure that the scope, goals and deliverables are met within the required timelines. Ensures a consistent understanding of migration governance across PBBSA Business units (Client Coverage, Credit, Product and Enablement). Drives the awareness of migration initiatives within Client Coverage. Provides post implementation Segment and transaction migration support across the PBBSA environment. Monitors migration projects from beginning to end to ensure that the scope, goals and deliverables are met within the required timelines. Manages key stakeholder relationships across Business Banking, Client Coverage and Operations as it relates to the migration initiatives. MIS management Manages the analysis, interpretation and communication of segment and transaction migration initiatives/projects Tracks segment migration initiatives, milestones and delivery. Directs the utilisation of reports to change behaviour and meet transaction migration initiatives/projects expectations. Learning and Development Ensures that L&D incorporates and embeds migration initiatives in the training curriculum to ensure that employees are competent in delivering on migration objectives. Preferred Qualification and Experience 3-year business degree (NQF 7) (e.g. Major in Economics; Business economics, Finance). Computer literacy Drivers Licence Code 08/B FAIS compliant Business and financial acumen Project management experience Preferred minimum preferred number of years' work experience: 5 years within the banking environment 2 years' Experience in a Business Banking roles (Channel/Segment) 2 years' Experience in Project Management Knowledge/Technical Skills/Expertise Strong interpersonal and communication skills Financial acumen Business acumen Planning and coordination skills Risk management skills Presentation skills Facilitation and negotiation skills Project management skills Change management skills Analytical skill Translation of business requirements
Standard Bank Simmonds, Gauteng, South Africa
Apr 06, 2020
Full Time
Job Details Standard Bank is the largest bank in Africa and our highly visible brand, award-winning service, and strong global presence helps us maintain our market-leading position. We place huge value on the talent of our people to drive our continued success, and to support our plans for growth. We now need a talented and resourceful individual to help us fulfill our business objectives and build customer loyalty. Job Purpose To ensure that proactive data analysis is performed on various design, development and implementation change initiatives in order to prevent major data defects being implemented into production through the verification performed by various Data Analysts and provides assurance that there is no or minimal impact on customer service for go-live of initiatives. To ensure that data and information principles, standards and policies are adhered to whenever design, development and implementation of process and system changes occur in order to minimise data errors. To ensure that Data Analysts are integrated in all change activities across projects, programmes, feature teams and functional data labs. Key Responsibilities/Accountabilities Identification of data, reports and records Ensures the identification of data elements, reports and records impacted whenever changes are made within projects, programmes, feature teams and functional labs in order to prevent the creation of duplicates. Validates and assesses the scope of work and identifies analysis overlaps across the various projects, programmes, feature teams and functional labs in order to minimise the duplication of work across labs and feature teams. Aligns appropriate Data Analyst skills with appropriate projects, programmes, feature teams and functional labs. Analysis of terms and definitions Ensures analysis of fields are conducted across all the streams according to agreed timelines. Acts as subject matter expert (SME) on escalated conflicts in data standard designs. Provides overall support and progress status updates on fields being analysed. Enforces data, reports and records management standards, principles and policies across PBB SA change initiatives as defined by Information Management. Enforces re-use of defined fields, reports and records across all streams within PBB SA. Building the data assets Obtains and/or defines terms and definitions from Data Stewards, Business Analysts to include undefined or new fields as PBB SA data assets. Obtains and/or defines technical data descriptions, business rules, data flow and storage requirements for all undefined or new fields across the various streams. Adheres to Metadata and Modelling standards as defined by the business Information Architect. Data quality and verification Ensures that all data fields stored, edited, created, read, used or deleted (SECRUD) are identified, verified and accurate across the various projects and streams. Ensures that no major data defects are implemented into production through the verification performed by various data analysts and provides assurance that there is no impact on customer service when go-live of initiatives happen. Ensures that critical data defects are escalated and resolved before implementation with minimal impact on customer service. Ensures that data defects are not re-introduced into the system. Reporting requirements prior to go-live Identifies any report requirements used for monitoring and tracking of system performance and transaction volumes which are successful or incomplete during design and test phase. Ensures the re-use of existing reports. Ensures all the reporting terms and definitions for the use, ownership and lifespan of the reports are documented. Validates the use and requirements of new reports. Ensures that all action reports are moved to action and workflow lists. Preferred Qualification and Experience Information Studies Degree Generic Management Degree DAMA (Data Management Association) 7-10 years Significant business analysis and project management experience to ensure information management knowledge is fit for this function. Ability to handle complex stakeholder engagements. Experience in developing and driving of data definitions for process and systems changes within a financial services environment. Exposure to all business processes and products in PBB SA. Knowledge/Technical Skills/Expertise Developing Strategies Establishing Rapport Articulating Information Convincing People Interacting with People Exploring Possibilities Embracing Change Making Decisions
Standard Bank Rosebank, Gauteng, South Africa
Apr 06, 2020
Full Time
Job Details Risk Management: understanding all risks - from the economic to the political - that could affect our global business, and offering guidance to all parts of the bank Job Purpose To develop and quality assure the Credit scoring solution for all Personal and Business products across the credit lifecycle in the Africa Credit Scoring Solution Team. This includes scoring solution design and the development of an end-to-end quality assurance of all strategies across the credit lifecycle. Key Responsibilities/Accountabilities Design and develop automated scored lending solutions: Designs, develops, quality assures and implements complex credit scoring solutions. Leads designs of new end to end data processes for Credit Scoring Solutions. Sets criteria and parameters in order to monitor trends and variances of implemented designs and where necessary recommends corrective action. Performs quality assurance (QA) for all functional/technical specification documents and provide consultancy. Ensures data requirements to execute on lending criteria are correctly defined and mapped within the various strategies including scorecards, policy rules, affordability calculations etc. Manages and prepares test data and perform interactive testing in the customer decision engine. Analyses and interprets outcomes of the decision automation and resolves all errors. Formulates, tests scenarios and test cases for country and conducts the required simulations in preparation for go live. Performs testing walkthrough with country stakeholders to enable User acceptance testing (UAT). Provides test case scenarios and support during countries (14 countries) user acceptance testing (UAT). Supports country stakeholders through the testing process and resolve any defects which may arise. Identifies defects and ensures that they are prioritised for correction. Oversees the sign-off processes and prepares communication to all centre and country stakeholders for implementation of the automated credit strategies. Monitors post implementation reviews to ensure the accuracy of the credit decisioning. Data management: Defines data lending requirements for scored lending solutions from stakeholders. Defines all calculations and aggregation of data within the broader data universe layout. Performs QA on team's work to ensure credit decision accuracy. Ensures data accuracy and aggregation from the various source systems. Ensures storage of input and output data for analysis (e.g. data reservoir, monitoring, tracking, reporting and query resolution). Ensures successful end to end flow of scored lending outcomes. Formulates data monitoring and dashboards to alert and track data received, data accuracy, shift in data and data is uploaded on time. Manages the effective use of Metadata to ensure effective data mapping for decisioning of credit limits. Support and knowledge sharing: Raises and reports all incidents and ensures resolution is done timeously (e.g. input data to the customer decision engine has been compromised and must be corrected to ensure accurate credit decisions). Supports and co-ordinates various teams to ensure that incidents are resolved. Oversees and monitors services, applications and environments to ensure stability and implement corrective measures. Monitors timeous and effective incident and query resolution management. Oversees the implementation of fixes in respect of data and strategy changes to ensure accuracy. Transfers knowledge and skills across the team (e.g., IT feature teams, feature analysts, and build teams). Governance: Ensures centre and country strategy acceptance documentation is approved by relevant Executive and regulatory forums. Provides input to the approval documental for final testing and approval of strategy changes. Ensures version control of all solutions and documentations for alignment with systems and applications (includes software upgrades). Prescribes the right levels of quality for implementation of designs. Monitoring and workflow : Monitors the version controls carried out by the team across multiple countries. Monitors the decision outcomes month to month to ensure stability of decision outcomes for multiple countries. Monitors that scoring takes place within SLA and agreed timelines. Analyses proposals for improvement of scoring decisions, outcomes and provide suggestions to stakeholders/countries. Ensures data used in scoring is available on capture screens, account management operations and collections. Checks and signs off testing of strategies, scorecards and integration of solution before implementation on behalf of team. Ensures correct design of the automated scoring solution, end to end management of process and data flow. Provides input to verify and confirm that newly designed training material will be effective for the end-user. Stakeholder Management: Effectively manages stakeholder expectations for all countries and provides solution guidance to the broader team. Conducts end-to-end demos to various stakeholders within specific countries to ensure country acceptance and adjust as required. Obtains feedback, confirming that the solution supports productivity levels and targets to maintain service level agreements with internal and external stakeholders. Where designs/configuration need to be amended, provides relevant recommendations and/or actions accordingly. Agile and Technical support: Prepares guidance to the Customer Lending Journey for planning of country priorities. Leads work in each business or programme increments (BI/PI). Attends daily stand-ups to provide status updates on all “in progress and future” tasks allocated to each sprint. Participates and contributes to “inspect and adapt” sessions i.e. retrospective sessions. Monitors the Customer Decision Engine (CDE) application server setup (Development, Systems Integration Testing, User Acceptance Testing, Pre-production, Production and Disaster Recovery) environments to ensure effective scored lending outcomes. Monitors the CDE configuration by the team. Manages Access control of team within span of control and within approved levels and limits. Preferred Qualification and Experience Minimum Qualification: First Degree Field of study: Information Technology/ Business Commerce B. Degree/Diploma in IT (Computer Science, Information systems or Informatics 5-7 years Required experience of process development, integration and simulation of solutions. Experience in credit decisioning, product and credit portfolio management will be advantageous. Knowledge/Technical Skills/Expertise Data Management / Data Integrity / Data Analysis Written Communication / Documenting Product Related Systems (Business Banking Use of Process Design Tools and Systems Change Management (IT) Stakeholder Management (IT) Technology Orientation Quality Assurance / Testing / Functional Analysis and UAT Trouble Shooting Awareness of the Software Development Life Cycle (SDLC) / Design Software
Standard Bank Johannesburg, Gauteng, South Africa
Apr 06, 2020
Full Time
Job Details Wealth and Investment Job Purpose To fulfil and execute client demand for an assigned portfolio of high net worth accounts providing optimal service and support, while coordinating all Standard Bank products, services and resources, thereby enabling the achievement of defined revenue targets and client satisfaction, within applicable risk and governance parameters. Key Responsibilities/Accountabilities Liaise directly with relationship manager regarding any client requests, accordingly, compile and process required client account documentation (opening/closing/maintenance and investment policy statements, funds transfer requests, account balances, credit requests) and obtain relevant clearances, while ensuring accuracy and in line with compliance requirements. Maintain appropriate paper and electronic filing systems for client documentation. Organize and maintain Records Management database and storage schedule, in line with the security processes. Act as the first point of contact for incoming correspondence and interaction with clients to ensure their queries and communications are dealt with professionally and are forwarded to the relevant internal parties. Liaise with other business areas such as operations and client services to ensure the timely processing of all transactions to provide the highest levels of service to customers. Prepare client correspondence, including client actionable items. Develop an in depth understanding of the client's needs, addressing client's queries and requests (such as asset transfers, fund transfers, credit requests) timeously, following issues through to resolution. Ensure all cases of recurring problems are identified and rectified promptly. Demonstrate interest in developing a familiarity with investment products, capital allocation recommendations. Assist in the development of account plans in a consistent and timely manner in order to identify potential business opportunities and regularly update the concerned Relationship Manager about account development. Additionally, seek out relevant cross selling opportunities to maximise revenue. Participate in marketing initiatives such as campaigns, as needed. Monitor and consolidate client feedback and provide recommendations to relevant internal stakeholders and the team leader. Identify opportunities for continuous improvement and sustainability of processes and practices to enhance service excellence. Perform various other related duties as required to facilitate the productivity of the department. Foster a creative, collaborative and client-focused relationship with all internal stakeholders to deliver solutions that effective, pragmatic, and risk appropriate. Ensure compliance with applicable regulations and legislation and adherence to risk guidelines, procedural controls, standards, policies and procedures. Find alternatives and connect new paths to find optimal outcomes in risk managed matters. Preferred Qualification and Experience Diploma or an equivalent higher certificate in Finance, Business Administration or related field. Completion of FAIS regulatory exams 3 - 4 years' experience in Wealth Management: The role requires banking experience in a Wealth Management business and a good understanding of operational and administrative processes as well as risk and compliance standards. Experience of working in a similar mid-office environment or operations would be preferred. 3 - 4 years' experience in Personal and Business Banking: Experience in a client facing environment fulfilling client demand (credit/banking/operations), with a focus on maintaining high standards of service and problem resolution and an understanding of products and services available to clients Knowledge/Technical Skills/Expertise Customer Understanding - The ability to analyse customer needs by engaging with them, analysing their personal financial objectives as well as their current financial position. Product Knowledge - Knowledge and understanding of the features, benefits and pricing of the products and services on offer to personal banking customers across multiple customer segments Banking Process and Procedures - Sound knowledge of the Bank's laid down policies and procedures as it relates to the processing of customer transactions Client Knowledge - Knowledge of the bank's clients, their names, requirements, history of relationship and key relationship issues Client Servicing - The ability to respond to client requirements, queries and complaints and log order entries into relevant company system Customer Reception and Channelling - Experiential understanding of the total branch/function operations in terms of product, people, channels, customer requirements, types of complaints, critical issues to be managed to ensure customer satisfaction
Standard Bank City, Maseru, Lesotho
Apr 06, 2020
Full Time
Job Details Retail & Business Banking Job Purpose To drive and manage the profitable delivery of a proactive, value adding sales, solution and service platform through Card Acquiring in order to grow and retain high-value business. To leverage and optimise resource capacity and market potential within the PBB. To manage operational risk for Card Acquiring within the regulatory and compliance framework of the Bank. To maximise PBB growth, retention and profitability targets for the Acquiring business Key Responsibilities/Accountabilities Drives and supports the Business Unit team to achieve all sales targets. Supports the business Unit to translate the sales growth objectives into clear sales tactics and regularly analyses management information (MI) to inform and strengthen the sales tactics. Measures, tracks and manages sales targets and performance for the team on a daily, weekly and monthly basis. Facilitates partnerships with the Local Market stakeholders and other business stakeholders (e.g. PBB and CIB) to leverage leads, cross-sells and business growth opportunities. Ensures effective on-boarding of customers to ensure active and profitable customer relationships. Supports initiatives that support growth in PBB book and transformation of the customer base. Drives effective pipeline opportunity management. Supports all sales campaigns through the daily tracking of sales performance as well as implementing remedial actions. Ensures effective use of sales force system as a lead, query and complaint management tool. Monitors and manages (in collaboration with internal business partners) the delivery of service in line with service level agreements, standards and turnaround times within PBB. Performs a proactive liaison role between relevant stakeholders in CCC, Product, and Operations Shared Services (OSS) to ensure customer service expectations are fully met. Interacts frequently and closely with Account Executives to analyse and establish portfolio needs and service gaps. Ensures migration of customers to appropriate value propositions. Manages and resolves complaints escalated by customers. Ensures regular engagements with customers as per the Customer Relationship Management (CRM) strategy. Monitors the governance within the Acquiring Business to ensure adherence to record-keeping requirements, as outlined by Financial Advisory and Intermediary Services (FAIS) and the Financial Intelligence Centre Act (FICA) Develops and maintains an open communication channel with the team and supports staff to foster greater co-operation and teamwork. Preferred Qualification and Experience Degree in Business or related field Driver's License Experience with working with reports Experience using excel Knowledge/Technical Skills/Expertise Knowledge and understanding of the features, benefits and value propositions of Acquiring Banking segments and Standard Bank Group Company product and service offerings. Knowledge and understanding of the principles and practices of business economics and the current business economic environment. Knowledge and understanding of generic sales principles and practices to manage and optimise retention and growth within the PBB. Knowledge of general banking practices and procedures. Knowledge of multi-level products available to business banking customers and pricing structures
Standard Bank Maseru Mall, Maseru, Lesotho
Apr 06, 2020
Full Time
Job Details Retail & Business Banking Job Purpose To obtain new business for VAF and nurture relationships with clients and suppliers. Key Responsibilities/Accountabilities Achieve sales targets Ensure that assets financed by the Bank are adequately protected by means of insurance cover Prudent application of new business margins to maximise returns Follow a structured calling programme Conduct interviews with customers applying for finance in an effective and professional manner Be aware of opportunities for new business and to follow up on business Nurture relationships with dealerships to optimise sales opportunities & customers Conduct interviews with customers applying for finance in respect of insurance cover/renewal of insurance Develop meaningful relationships with key sales staff within Personal Markets Report on Market trends development Analyse and interpret financial statements Preparation of applications for Credit and general assessment Prepare basic data form Continually keep abreast of development of new products, changes to Credit Agreements Acts Keep up to date with policy changes Preferred Qualification and Experience 3 Years Banking Experience Bcom degree in Accounting, Economics or related field, Post graduate will be an added advantage. Valid driver's license Knowledge/Technical Skills/Expertise Advanced selling skills Interpersonal skills Team-work Negotiation skills Communication skills and Presentation abilities
Standard Bank Central Services, Maseru, Lesotho
Apr 06, 2020
Full Time
Job Details Human Capital: attracting and retaining key talent, providing learning and development initiatives, governance of performance management and reward schemes, centres of excellence to drive and embed Standard Bank values and culture. Job Purpose Support the HCBPs, line management and staff through delivery of a professional Human Capital (HC) service to a portfolio of business entities i.e. EFs, PBB and CIB, by means of a dynamic business partnership. This includes minimising human capital risk through ensuring appropriate systems, communication and controls are in place, complied with and followed. Key Responsibilities/Accountabilities Support and facilitate change initiatives within the different business areas Participate in a multi-disciplinary approach to change management (e.g. co-ordinating all the resources required to successfully implement new initiatives) encourage and facilitate communication Maintain a relationship with the HC Shared Services, L&D and other stakeholders (within the country and in Centre) and through this ensure effective management of personal files information, ensure that files are upto date with necessary records; also that internal controls are adhered to, and that risk is adequately managed. Manage and implement recruitment and selection processes in line with the bank strategy for assigned areas in such a way that efficiencies are achieved and BUs and branches are optimally resourced. Monitor wastage and recruitment trends at your area of responsibility and where necessary implement corrective measures, in conjunction with the HCBP and line managers. Facilitate continual upskilling of line management with regard to selection and recruitment techniques. Provide support to line management in dealing with staff exits so that the costs associated with these is minimised. Set targets and development objectives, in conjunction with HCBPs and line management. Facilitate succession planning, which influences decisions around key posts/roles and HIPO staff, to ensure logical and managed career progression, designed to meet future resourcing requirements Guide and coach line staff in the principles of performance management (EPM). Co-ordinate the different stages of EPM to ensure that effectiveness and efficiency are achieved and monitor progress/adherence to calendar or processes. Assertively facilitate the management of poor performance. This may include an independent analysis of information, which would highlight the need for HC intervention. Participate in management of talent Keep abreast of labour legislation and SBG ER frameworks in order to ensure compliance, minimise ER risk, anticipate changes and manage the impact on the area. Educate line management on labour relations matters (such as the Labour Code and its amendments) through the delivery of workshops/presentations or other related exposure e.g. consultation with HCBPs and other specialists In liaison and under guidance of HCBPs provide a coordination role on employees support services, through the appointed service provider i.e. ICAS Attend to requests for support, guidance and advise from line management and staff on respective wellness needs. Manage and facilitate practical implementation of staffing options (Temps or Fixed Terms Contractors (FTC's) to optimise the area's resourcing requirements, while containing employment costs, operational and employee relations (ER) risk. Provide education to line on reward issues related to the day-to-day management of staff, as well as other more specific initiatives that are critical i.e. talent remuneration. Manage remuneration costs (both individually and at BU or branch level) in relation to the contribution to business objectives. Be up-to-date with the latest information through published salary surveys, Group Reward frameworks and other related sources. Ensure an efficient payroll service to employees and line management through submissions and query management with HC Shared Services Preferred Qualification and Experience Human resources degree or equivalent. Basic understanding of banking business to support a business partnership (business acumen). Knowledge of human resources policies and procedures. Knowledge of labour legislation and practice. Awareness of socio-political/economic issues and the implications of these for the labour market Knowledge/Technical Skills/Expertise Awareness of socio-political/economic issues and the implications of these for the labour market. Talent management framework Workforce and succession planning principles and practices. Recruitment and selection principles, practices and systems. Working knowledge of reward policy, practices and systems. Good knowledge of HC data systems and record keeping. Change management principles and practices. Performance management knowledge
Standard Bank Nelspruit, Mpumalanga, South Africa
Apr 05, 2020
Full Time
Job Details Retail & Business Banking Job Purpose To take overall responsibility for the successful management of the home loans portfolio and the overall delivery of home loans sales in the province. Is the face' and local subject matter expert of home loans in the province. To provide overall home loans support and guidance to the relevant regions and provincial network on Standard bank owned channels. To proactively manage the organisations' presence in the provincial home loans market. Key Responsibilities/Accountabilities Sales Acquisitions Monitors and ensures the channel mix as agreed in the budgets is achieved between internal and external channels for the province. Ensures business presented by mortgage originators and other external channels is converted at the best possible conversion rates and market share. Leads the development and implementation of the home loans sales and management plans across all channels throughout the provincial structures. Proactively monitors home loans sales results across all sales channels within the province and implements any necessary remedial actions in light of the channel mix required. Proactively sources home loans business in the market through liaising with top estate agency groups, developers and third party originators. Develops and implements plans to ensure that the appropriate focus is on aggressively driving the cross-sell of the full range of Standard Bank products into the provincial home loans customer base to capture franchise value with a particular focus on new main bank relationships. Leads the development, implementation and driving of Provincial Home Loan action plans to ensure the delivery of home loans sales in the province. Liaises with Head Office Home Services on key external channel trends and impact on sales. Ensures effective use of the Customer1st Monitors and ensures the channel mix as agreed in the budgets is achieved between internal and external channels for the province. Ensures business presented by mortgage originators and other external channels is converted at the best possible conversion rates and market share. Leads the development and implementation of the home loans sales and management plans across all channels throughout the provincial structures. ensure that the appropriate focus is on aggressively driving the cross-sell of the full range of Standard Bank products into the provincial home loans customer base to capture franchise value with a particular focus on new main bank relationships. Leads the development, implementation and driving of Provincial Home Loan action plans to ensure the delivery of home loans sales in the province. Liaises with Head Office Home Services lead generation system as a lead, query and complaint management tool. Manages work list queues to ensure items are actioned within agreed timelines, and/or re-assign staff to different queues to ensure work completed within agreed timelines. Ensures staff are appropriately reflected on the organisation structure for distribution of work items to the correct staff/teams. Monitors and manages the performance of team members, as it relates to Leads, Queries and Complaints management. Coaches staff on the required behaviours to support the Customer1st system. Provides customers with feedback on reclassification of service requests, outstanding documentation and telephonic resolution feedback according to customer relationship standards. Stakeholder Management Manages the external mortgage originator local relationship and ensures the external channel business is converted at the highest possible rates. Proactively engages with and provide direct support to the Regional teams and Branch Managers within the relevant province to review performance relative to sales targets and where necessary assist with developing tactics that will facilitate the achievement of branch targets. Ensures that branches have the necessary resources and skills that will enable them to achieve their home loans sales objectives. Ensures that branches are kept informed in respect of any updates, enhancement or changes in respect of the home loans. Proactively manages high risk, senior-level relationships with all estate agency groups, 3rd party originators and developers in the province to ensure healthy ongoing business relationship, value extraction and successful conflict resolution. Takes responsibility for the day to day management of the home loans team within the acquisition channel (sales managers and sales consultants as appropriate) in the province including the allocation of sales targets. Home loans Support within Branch Channels Continuously monitors and identifies the areas for improvement in the branch home loan channel and implement appropriate training interventions (e.g. HL knowledge of branch consultants with regards to product and process). Establishes and manages relationships with the IPC team in Head Office in striving to improve turnaround times of registrations. Provides support and guidance to the Regions within the province on Home loan campaigns. Provides input into learning and development regarding ongoing changes for product and process changes within home loans. Customer Experience Management Completes all compliance training within laid down timelines. Responsible for developing and leading appropriate action plans to ensure excellent service delivery in the home loans space within the province. Proactively manages the service delivery from the acquisition channel home loans team, ensuring that a constant level of excellence is achieved. Proactively manage the provincial relationship with key home loans stakeholders including OSS environments and credit to ensure excellent customer experience. Provides negotiation and arbitration when required if issues are escalated to this level. Feeds back to the Head Office Home Services team on customer experience issues or arbitrations Provides final adjudication within the province on home loans channel conflict issues and manage these issues so as to minimise customer impact and dissatisfaction. Ensure service level agreements are complied with between internal and external channels. Provides a high level of service to external partners. Efficiency and effectiveness Takes full operational responsibility for the management of the home loans component of the acquisition channel within province. This includes ensuring the implementation of adequate controls and measurement to mitigate risk. Effectively controls and manages home loans marketing and sponsorship funds in line with marketing plan. Maintains control sheets pertaining to the progress of all developments, percentage exposure, conditions and marketing costs to be updated on an ongoing basis. Provides input into sales targets for the provincial channels (branches, mobiles and mortgage originators) in consultation with Head Office Home Services and the Provincial Head. Develops, implement and monitor a marketing plan for the channel in support of overall sales and market share objectives. Legislative compliance Assumes oversight over the sales function(s) and ensures that all staff members that are non-representatives perform their duties in line with the requirements. Ensures that all staff understands their roles as non reps and the risk implications of giving advice as non-representatives. Ensures that non representatives undertake the necessary non representatives training as required by in terms of the compliance training framework. Risk Mnagement and People Managent Preferred Qualification and Experience Degree Business Commerce Valid Drivers Licence 5-7 Years Experience in clearly understanding the strategy, vision and culture of Retail Banking and home loans and provides relevant and valuable input into realising these. Knowledge/Technical Skills/Expertise Product Knowledge Interpreting Financial Statements Planning, Forecasting and Budgeting Strategicc Planning and Reporting Delivery of Results Customer and Client Focused Innovation Driving Delivery of Results
Standard Bank Polokwane, Limpopo, South Africa
Apr 05, 2020
Full Time
Job Details Standard Bank is the largest bank in Africa and our highly visible brand, award-winning service, and strong global presence helps us maintain our market-leading position. We place huge value on the talent of our people to drive our continued success, and to support our plans for growth. We now need a talented and resourceful individual to help us fulfill our business objectives and build customer loyalty. Job Purpose To provide appropriate support, advice and guidance pertaining to infrastructure optimisation for the allocated regions within a province for the fulfilment of their daily operational needs as well as manage infrastructure requirements and co- ordinate projects. Key Responsibilities/Accountabilities Infrastructure and layout for regions within a province Gathers, drives and implements the regional infrastructure and layout requirements per region to promote operational effectiveness. Adheres to check list for all opening and closures of Point of Representation (POR's) revamps and relocations. Arranges access to POR's for all centrally run projects to ensure safety and security of branch staff and systems. Owns the regional plan passing / approval process (i.e. sign off the new floor plans taking into account that all positions and operational requirements have been catered for). Implements ad hoc projects received from head office (e.g. roll out of new note counters, request of information from branches, etc.) Provides support in the event of robberies and bomb scares and ensure the POR is operational after the event (e.g. visit the relevant sites after an incident to asses, together with the business partners, in order to determine what is required to return the POR to its original operating state). Applies for new cost centre/IBT numbers and dash numbers when new POR's are opened. Manages regional infrastructure CAPEX order instructions to procurement, as per budget allocation and specifications provided by procurement. Contributes to the overall provincial CAPEX budget management process. Completes user briefs (for premises requirements) for Group Real Estate Services (GRES) placement team and submits to the line manager for approval and sign-off. Completes all regional business cases according to laid down requirements and ensure sign off by the regional manager, where applicable, prior to submission to line manager (e.g. in the event of new sites, relocation, etc.) Gathers data and information for cash service costs for daily/special clearances and submits information to the POR's. Establishes root cause of excessive cash service costs and puts measures in place to reduce cost for these items. Provides input regarding cash holdings and limits aligned to the branch cash forecasting tool. Advises stakeholders regarding new sites/merges and closures (e.g. Mounties, Change Services, Cash Services, Risk, Security, GRES, Hub Merges, IT, Operations shared Serviced (OSS), Cash Shared Services (CSS), Group Shared Services (GOSS) Integrated Processing Services (IPS), provincial team. Attends regional CONNECT sessions, stakeholder sessions and distribution placement meetings. Informs POR's of pending visits by vendors as advised by head office (e.g. servicing fire equipment). Ensures that POR's apply the reverse logistics process for relocation of equipment during branch closures and relocations, etc. Conducts branch visits to ensure housekeeping and operational issues are maintained and addressed where applicable. Addresses action items and reports on progress until resolution. Conducts branch infrastructure audits to confirm branch adherence to standards. Reports any breaches to the POR, regional and line manager. Provides relevant support, where necessary, for all new IT project releases, IT changes and system enhancements within the relevant region, where agreed by the project team. - ensure not duplication with Provincial IT Manager/officer Identifies infrastructure risks and raises it with the appropriate stakeholder for resolution. Resolves vendor errors (e.g. Telkom and custodian error etc.) and escalates where necessary. Manages relationships with regional vendors and hold them accountable for the existing SLAs. Preferred Qualification and Experience Qualification Business Commerce Degree Tertiary qualification such as technical training in Operation and Management practices or a similar qualification will be an advantage Experience required 5-7 years previous experience in a service and operational role. Working knowledge of the operational requirements of branches from a branch and customer perspective. 1-2 years Previous project management experience within the financial services industry (from project scoping to implementation). Knowledge/Technical Skills/Expertise Exploring Possibilities Providing Insights Articulating Information Convincing People Challenging Ideas Interacting with People Resolving Conflict Thinking Positively Embracing Change Compliance Understanding People Completing Tasks Taking Action Seizing Opportunities Making Decisions Communication Skills Data Management Customer Understanding Product Knowledge Planning, Forecasting and Budgeting Financial Acumen Customer and Client Focused Innovation Driving Delivery of Results Purposeful Collaboration Influencing Others
Standard Bank Secunda, Mpumalanga, South Africa
Apr 05, 2020
Full Time
Job Details Retail & Business Banking Job Purpose To grow and retain a portfolio of high value Business Segment relationships by performing a proactive, mobile, value adding financial partnership role. To ensure that close personal attention is given to provide a full array of customised financial solutions tailored to meet the growth needs and potential of the customers within the portfolio. To provide effective relationship management aimed at optimising customer profitability and value to the Bank. To ensure customer satisfaction across allocated portfolio of customers. Key Responsibilities/Accountabilities Relationship and portfolio management Ensures deep understanding of Customer's business through regular interaction with client at their place of business. Employs the use of client value chain analysis to understand customer needs and deploy banking solutions to meet those needs. Utilises the Banks Customer Relationship Management (CRM) tool to ensure accurate and updated customer information and effectively manage the relationship. Develops and implements a client-calling schedule to visit all clients in the portfolio. Identifies opportunities to migrate clients in line with customer value proposition Customer Experience Complete all compliance training within laid down timelines. Ensures that customer service expectations are met/ exceeded. Provides a central advisory role to the client. Ensures effective query management and client feedback. Monitors and manages (in collaboration with internal business partners) the delivery of service in line with service level agreements,standards and turnaround times within the Centre. Ensures the implementation of Business Banking Value proposition. Performs a proactive liaison role, at appropriate levels, between relevant stakeholders e.g. Credit, Operational Shared Services (OSS) and other relevant business partners, to ensure customer service expectations are fully met. Transaction Led Customer Acquisition Formulates, drives, measures and manages the implementation of a sales performance strategy for the portfolio to grow new business and share of wallet across the portfolios managed. Leverages sales growth tactics and targets in collaboration with business partners in the area e.g., Local markets, Prestige and Private Banking, Vehicle and Asset Finance; Electronic Banking; SBFC; SBIB and any other Business Partners. Responsible for driving personal/business interplay in partnership with Private and other Personal Market segments. Responsible for achieving sales budgets as set by Business Centre. Develops and implements sales best practices in support of the Business Banking value proposition and customer expectations. Manages opportunity and pipeline management. Drives implementation of value-chain analysis to ensure better understanding of sales opportunities within client base. Provides guidance pertaining to the promotion, selling and structuring of a wide and diverse range of financial solutions customised to best meet the financial needs of high value Business Banking Clients. Ensures support for provincial and national sales campaigns. Ensures the implementation of the Black Small and Medium Enterprises (BSME) value proposition. Ensures the acquisition and retention of Tutuwa Small and Medium Enterprise beneficiaries. Ensures effective use of Customer1stlead generation system as a lead, queries and complaints management tool. Drives the usage of the Customer1st system within the Province. Drives the required behaviours to support the Customer1st system within the Province. Economic Growth Achievement of financial budgets through optimal growth of balances, margin management and revenue streams. Manages profit margins on portfolio through appropriate pricing within policy guidelines. Recommends pricing concessions where appropriate. Ensures recovery of all revenue. Credit management Plans and implements annual credit reviews for allocated portfolio. Structures the customised credit loan facility options and parameters. Explains credit procedures, qualifying criteria and expected turnaround times to clients in order to ensure that their expectations are being managed. Motivates and processes credit applications. Notifies customers regarding the approval/ decline, including reasons thereof, of credit loan facilities. Explores alternative solutions in the event of declines from Credit. Monitors daily referrals to ensure that client facilities are managed within the set risk parameters. Exercises discretion regarding account conduct based on a close knowledge and understanding of client activities. Proactively manages client's credit exposure and collateral held to contain risk. Ensures the submission of high quality credit applications to enable business and credit stakeholders to appropriately assess the risk to the Bank. Keeps abreast of external factors influencing the client's exposure to risk. Risk and Compliance Ensures compliance with general banking and credit policies and procedures. Supports the implementation of the Financial Intelligence Centre Act (FICA) to ensure adherence to record keeping requirements Ensures compliance to all applicable legislative requirements such as the National Credit Act, Consumer Protect Act etc. Ensures adherence to all regulatory and compliance risk requirements People management Manage the Account Analyst to ensure that work standards and quality work output targets are set, achieved and maintained. Manage the performance contribution of support staff. Identifying strengths and development areas and ensuring that support staff receives the requisite learning and skills development interventions. Plays an active role in the recruitment process, development and retention of relevant skills in order to meet the business needs. Ensures the effective selection of staff by matching the skills and competencies to the requirements of the job. Ensures skills assessments and competency-based training takes place as and when required. Drive 100% compliance training for all staff. Ensures that appropriate skills transfer initiatives are implemented. Creates an environment in which learning and development are emphasised and valued. Takes personal responsibility for coaching and mentoring others. Promotes a culture where the values of the Bank are seen to be ‘alive' Ensures the implementation of the leadership promise and employee engagement programme. Encourages team members to express their views, resolves issues raised by the team, escalates issues if required, and provides feedback to teams on an ongoing basis. Develops and maintains an open communication channel with direct reports and supports staff to foster greater co-operation and teamwork. Monitors and manages the performance and development of staff within the area. This includes regular one-on-one feedback sessions, conducting mid-year and final performance appraisals, as well as the moderation and relative distribution of all appraisals for the team. Ensures staff are appropriately and consistently rewarded and recognised for their achievements and outputs. Ensures that disciplinary action and grievances are addressed and aligned to the Standard Bank policies and procedures. Preferred Qualification and Experience Business-related degree or equivalent as per the Qualifications listed on the FSB recognised list 3-4 years experience as a Business Manager, Account Manager, or any other related roles Regulatory Examination Certificate ( RE5 ) FAIS Representative role Driver's licence Knowledge/Technical Skills/Expertise Strong negotiation and conflict management skills to create a cooperative and collaborative working environment where conflict is defused and managed. Computer literate Business acumen Credit assessment skills Negotiation skills