163 Banking jobs

Job Details Retail & Business Banking Please note that the link to this advert should not to be forwarded to any other party either internal or external to the bank. These roles are specifically ring-fenced as part of a redeployment process and only affected individuals may apply. If this advert link was not sent to you directly as part of a redeployment resourcing process, your application will not be considered.” 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 Qualification FAIS Regulatory Exam (RE5) level 1 Rendering financial services under supervision for intermediary services until relevant FAIS qualification is obtained. Categories: Long Term Insurance Category A (Funeral Plan) Short Term Insurance Personal Lines (Embedded - Personal Accident) Long Term Category B1 (Embedded - Credit Life, Funeral Plan Higher Benefit) Short Term Commercial Lines (Biz - SE) Long Term Deposit: Investment options with access to funds after 12 months Short Term Deposit: This is any transactional, savings and or investment product with access to funds before 12 months Experience 1-2 years Personal and Business Banking : Relevant FAIS qualification but no FAIS experience and would need to operate under supervision. Previous experience in branch banking or contact centre environment with good understanding of bank processes, policies and products Knowledge/Technical Skills/Expertise As detailed above

Job Details Data Manager: extract, transform and load correct customer contact information and research reporting using approved relevant sources for extraction/analysis, as well as creation and maintenance of customer data extraction scripts and reports as defined by Market Research Job Purpose To extract, transform and load correct customer contact information and research reporting using approved relevant sources for extraction/analysis as defined by Market Research: Customer Data Management in order to support market research contact requirements. To ensure that the data loaded for Research Agencies to use when contacting customers is in line with defined criteria and reconciles back to the relevant sources that it was extracted from. The MIS Data Manager is responsible for supporting the PBB SA Market Research team with timely Extraction/Reporting/Analysis/Dashboard solutions using PowerPoint/Excel/Word/SQL Server/SSIS/SSRS/QlikView/Power BI, MS Excel, SAS and similar Business Intelligence tools Key Responsibilities/Accountabilities Customer Data Extraction & Governance Extracts, transforms and loads customer contact data in line with governance standards. Adheres to the customer information extraction governance standards that are defined in line with business rules that are built into the data source. Measures: No variance between the extracted and distributed customer data and data in the original source No violation of customer information access protocols Adherence to the customer data extraction governance standards Data requirements execution Extracts, transforms and loads customer data from relevant sources in order to satisfy customer data requirements as defined by Business and Market Research. Ensures that the extracted data is loaded onto the approved file sharing systems that comply with customer data protection and privacy standards. Reports any technical malfunctioning of the customer data extraction that threatens adherence to business and compliance requirements to the line manager. Measures: Timeous escalation of customer data extraction technical malfunctioning Timeous data availability, accessibility, and usability for PBB SA Market Research Loading of customer contact data onto the external research supplier file share platform Loads customer contact data from relevant sources (e.g. SAS libraries, SQL, manual files, etc.) in order to ensure a single input source for Market Research measurement. Validates and reconciles the data back to the relevant sources (e.g. SAS libraries, SQL, manual files, etc.). Adheres to validation standards as stated in the governance framework. Ensures that the data extracted, transformed and loaded is automated where possible and writes automation codes accordingly. Measures: Stakeholder feedback on quality of data Availability of customer contact data to answer business questions No variance between data sources data and data loaded onto supplier file share platforms Reporting & Automation Creation and maintenance of customer data extraction scripts and reports as required for Market Research measurement Manages the consolidation of all relevant customer information for Market Research purposes. Provides and adheres to customer data reporting requirements and standards as stipulated in the service level agreement (SLA); measurement governance framework Provide continues improvement customer data extraction, reporting and distribution. Continuous generation of both periodic and ad hoc customer data extraction requests. Analyze business customer data information requirements to identify process improvements for increasing business efficiency and effectiveness. Puts plans in place to automate all standardized reporting functions Preferred Qualification and Experience First Degree or Diploma in IT or Computer Sciences Certifications (Advantage) Qlik (QlikView/QlikSense) Power BI MS SQL SSRS/SSIS/SSAS Teradata Business Intelligence Data Analysis Agile 101 Experience 3 - 4 Years Previous experience in the movement of data from the relevant source (e.g. SAS libraries, SQL, manual files, etc.) into a data mart using appropriate tools (e.g., SQL tools). Knowledge/Technical Skills/Expertise Knowledge/Technical Skills/Expertise Data extraction, transformation and loading Data automation and coding Creation and maintenance of customer data extraction scripts and reports Movement of data from the relevant source (e.g. SAS libraries, SQL, manual files, etc.) into a data mart using appropriate tools (e.g., SQL tools). We are an Equal Opportunity Employer and do not discriminate against any employee or applicant for employment because of race, color, sex, age, national origin, religion, sexual orientation, gender identity, status as a veteran, and basis of disability or any other federal, state or local

Job Details Wealth and Investment Job Purpose Standard Bank Wealth and Investment (SBWI) is the high net worth wealth management division within Standard Bank and services individuals with the potential for investable assets in excess of USD1million. To support the Wealth Managers within SBWI to maintain client assets under management and provide financial planning support To maintain a service-based relationship which is credible, trustworthy both internally and externally To ease the administrative burden on the Wealth Manager by assisting with the preparation of proposals / reviews / investment instructions from clients To facilitate the preparation and fulfilment of all investments / withdrawals / switches / top ups / reviews as requested by client or Wealth Manager Key Responsibilities/Accountabilities Manage and build relationships between the internal stakeholders - Wealth Management, BCU and Compliance Ensures a good working relationship with all product providers - internal and external Upholds the service mantra, ‘Before the Sun Sets' Preparation of investment proposals, instructions, investment reviews, estate planning, retirement planning and cash flow analysis that covers all aspects of Wealth Management Preparation of administrative documents required for the fulfilment of investments / withdrawals / switches / top ups / additions as and when required by client or Wealth Manager (admin forms / quotes / factsheets, etc) Prepare and submit Welcome Packs to Wealth Manager and/or client on Capture all new business on portal and Elite Wealth Maintain accurate records Identify and analyse required information that is needed to complete a proposal/instruction/review/estate plan/retirement plan/cash flow Submit proposals/instructions/reviews/estate plans/retirement plans/cash flows to FPOC for approval by the committee and make any changes as requested by the committee members When required act as secretary to FPOC Prepares holistic financial plans for clients, as guided by the WM Ensures that all information related to investments / risk products are correctly loaded and captured on Elite Wealth Market and Fund analysis and research as and when requested by the Wealth Management team Adhoc projects as and when required by the Business Unit Adhere to all compliance requirements of the business Complete all Network Next training within the stipulated timeframes Assist business with annual audits Act as back up to nominated “buddy” in the team when required, i.e. sick or annual leave Preferred Qualification and Experience Matric Minimum AFM (NQF 6) Post-graduate Diploma in Financial Planning qualification would be an advantage RE5 advantageous Knowledge/Technical Skills/Expertise The job holder should have a minimum of 3 years' experience in a financial services environment Broad knowledge of the Bank's internal structures, policies and procedures, infrastructure and systems.

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 a Junior Developer to join our IT team at our Johannesburg offices. Standard Bank is a leading African banking group focused on emerging markets globally. It has been a mainstay of South Africa's financial system for 150 years, and now spans 16 countries across the African continent. Job Purpose To work as part of an agile development team, building and working on enterprise grade software system. To be involved in all areas of development from design to development to testing.Specialist Key Responsibilities/Accountabilities Define and Develop application code - Povide input into specifications for systems functions, information flows, data loads, and implementation strategy. - Work with colleagues in the team to product outline system specifications using solution designs, functional specifications or technical specifications as input. - Translate logical designs into component designs taking into account the solution design, performance requirements and existing systems. - Provide input into risk analysis and development plans in order to consider the impact of design decisions. - Code user and system interfaces including menus, screen dialogues, inputs, reports, etc. as allocated by more senior resources and submit for review. - Work with data analysis colleagues when required, to produce or update system or object data models and correlate these with corporate models. - Provide guidance and assistance to colleagues on any aspect of program component design, creation, testing and documentation. Conduct unit testing - Prepare test cases for unit testing purposes. - Conduct unit testing and fix detected errors. - Testing can be done on own work as well as on that of other colleagues in the team. - Develop technical support documentation within agreed standards. - Document all work done as per standards, methods and tools used in the bank for application development. - Ensure adherence to release methodology and technical change management procedures for all changes. - Adhere to project timelines for new developments and agreed service level timelines for repairing defects. Look for improvement opportunities actively that pertain to all aspects of development activities. - Ensure that all component designs take into account all specified requirements and constraints. - Provide level 3 support and production standby post go live. Preferred Qualification and Experience Qualification : - Degree in IT & Computer Sciences Experience : - Minimum 2 years hands-on SQL experience - 1 -2 years Broad experience in translating business and functional requirements into technical specifications and developing the programming code to create the solution Knowledge/Technical Skills/Expertise IT Development - IT Applications - Data Integrity - Write Code

Job Details Information Technology: systems development, business analysis, architecture, project management, data warehousing, infrastructure, maintenance and production Job Purpose To enable the execution of the Logical Access Management (LAM) strategy for the Standard Bank Group (SBG) through the development and implementation of a Change Management plan including communication and learning plans to ensure that a culture of access control is embedded across SBG. Develop and implement a learning plan and related content to ensure that all employees are aware of logical access management policies and processes to mitigate the risks associated with improper access. Key Responsibilities/Accountabilities Develop and maintain all LAM related training material in line with technology, policy or process changes across the various learning delivery modes to enable the delivery of effective LAM training. Arrange and facilitate learning interventions on LAM using the various learning delivery methods and differentiate the interventions to meet the requirements of the target groups to ensure a consistent understanding and approach to LAM across all employees. Develop and implement a change management strategy to support the access management culture change journey and to embed access management as a responsibility of all employees. Develop and implement team effectiveness interventions across the LAM department and facilitate team building initiatives to enable a cohesive work relationship in order to seamlessly and quickly deliver optimal solutions to meet business requirements. Develop and implement a comprehensive internal communication plan in support of the change management strategy and ensure that all messaging regarding access management is standardised and aligned to the broader LAM strategy to ensure a consistent message to employees. Analyse the organisational design strategy and draw insights on the impact of organisational and job architecture changes on access control and share the insight with the broader LAM team to ensure that the LAM strategy is appropriately aligned and that the physical and digital security of the organisation is maintained. Risk, Regulatory, Prudential & Compliance Review and direct queries received from LAM controllers across the business to the appropriate team member and monitor the resolution thereof to enable LAM controllers to effectively carry out their responsibilities. Monitor and compile reports on the progress against the planned change journey in line with the Logical Access Management Strategy to enable the achievement of the LAM objectives in as per agreed time lines and other indicators. Develop an understanding of skills and competencies required across the LAM environment, develop the competency framework and inform the development to enable to optimal functioning of the department. Compile and deliver monthly, quarterly and ad hoc compliance reports for discussion at the relevant governance forums or for submission to the regulator as required and escalate findings for awareness and resolution by the relevant stakeholder. Preferred Qualification and Experience Qualifications First Degree - Social Sciences Certification as a change practitioner e.g. Prosci, CCMP etc. Masters Degree Social Sciences Experience: Extensive experience in leading transformational change programmes that include culture, people and technology. 12 years Experience Knowledge/Technical Skills/Expertise Knowledge: Access Control Systems Knowledge and understanding of the systems and processes in place to monitor and control building access. Proficiency Level 2 PROFICIENT - Clear knowledge and application of the concept

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 gather customer insights, conduct analysis, redesign, development, deployment, monitoring, and measurement of outcomes for all iterations of the Client Journey. Key Responsibilities/Accountabilities Customer Journey As-Is system understanding Assimilates all value stream maps and provides visualisation for the entire client journey. Engages with stakeholders across the value chain, front to back, to gain an in-depth understanding of the as-is processes and pain points in order to identify potential opportunities for factors such as unit costs, labour input, process costs, economies of scale) as input into MVPs and overall client journey. Ensures best practices are analysed and understood to see how these can be incorporated and leveraged in the target state. Identifies value and non-value added activities in the journey ecosystem. Stays abreast of best practices for relevant processes and MVPs and informs the target state accordingly. Establishes baseline measurements of the as-is systemic state of Client Journeys. Defines customer pain-points, customer's emotional journey and unmet needs based on qualitative customer research and existing Standard Bank data. Obtains and interprets customer data in order to develop value propositions to be tested and developed. Reviews competitor baselining to establish best practice benchmarking in comparison to Standard Bank current state. Documents the as-is IT landscape in order to define the capability gaps as input into the development of the client journey. Defines high level opportunities for automation / intelligent automation (robotics). Solution redesign and delivery Develops proposed end-to-end target state client journey (conceptual and detailed view). Works with Solution Architect to establish technology feasibility of all proposed features to ensure alignment to broader IT Architecture. Develops MVP (Minimum Viable Product) options: i.e. assessments (based on desirability, viability and feasibility) and recommendations. Establishes quick win automations from target state features. Ensures rapid prototyping of digitised or modernised solutions together with IT and UX - this involves: oCreating scope of work for development oExecuting procurement management processes oShowcasing prototypes oTest and correct methods (Fail Fast) oFacilitates functional analysis sessions oManages the stories (in JIRA), ensuring that all requirements are loaded as stories and ensuring the stories are assigned to epics. Works very closely with the User Experience and User Interface team to ensure that processes, wireframes and content are optimally intuitive to customers prior to development. Delivery of commercial outcomes Develops business cases relating to the customer desirability, feasibility and bank viability. Demonstrates the impact of delivery on cost; revenue; customer and NPS. Review performance of deployed solution and prepares recommendations for enhancements. Risk management Considers existing policies and procedures when designing and testing different approaches during concept stage, in order not to incur additional operational, credit and market risk. Ensures that the relevant risk and compliance assessments take place at all stages of development. Ensures signoff of all new processes / changes to the existing process (before being scaled) by the different risk and compliance committees (RCC's) including sign off from the business sponsor (for e.g. OSS). Ensures that relevant risk items are raised at the Product RCC for approval by the Product quorum. Application code Provides input into specifications for systems functions, information flows, data loads, and implementation strategy. Works with colleagues in the team to produce outline system specifications using solution designs, functional specifications or technical specifications as input. Translates logical flow into granular component designs taking into account the solution design, performance requirements and existing systems. Provides input into risk analysis and development plans in order to consider the impact of design decisions. When required, works with data analysis colleagues to produce or update system or object data models and correlates these with corporate models. Facilitation and continuous improvement Reaches mature levels on the Continuum model by providing guidance and knowledge sharing to work in a continuous delivery environment: Champion team learning and adopt suitable methodologies and practices Actively looks for improvement opportunities pertaining to all aspects of development activities. Ensures that all component designs take into account all specified requirements and constraints. Customer/User acceptance criteria and solution testing Works with customer/users to develop acceptance criteria or test cases for the system. Conducts CIT, SIT and UAT testing and fixes detected errors. Testing can be done on own work as well as on that of other colleagues in the team. Develops technical support documentation within agreed standards. •Ensures adherence to relevant methodology and technical change management procedures for all changes. Solution management •Responsible for current business services and processes (end to end value chain) specific to allocated journey. •Reviews actual product performance findings across channels and provides guidance on the tactical implementation and /or any enhancements to deliver the desired results in the front line. •Responsible for the resolution of operational and functionality problems on the different products and systems. Measures of success •Achievement of financial objectives •Successful delivery and implementation of the client journey •Increased user and customer take up •Customer satisfaction ratings •Adherence to risk and compliance requirements Preferred Qualification and Experience IT and Computer Sciences / Business Commerce Degree BSc Comp Science, B.Com Informatics degree and / or business degree 5-7 Years Experience in translating business and functional requirements into technical specifications to create customer solutions. Experience in managing a product (incl. income statement) managing people; understands the banks products, processes and systems. Knowledge/Technical Skills/Expertise Building Relationships Drive Negotiation and conflict resolution Financial Management Execution and delivery Technical Expertise Build Talent Coaching and developing Leading Change Leading Teams Innovation Influencing through communication Business Acumen Managing Complexity Facilitation Application Technical Design BI Programming Business intelligence knowledge Functional Architecture Design Information Technology Management Machine Learning Process Design Programming Test Case Development User Experience Design Application of the Legislation Managing complexity Financial industry regulatory framework Market research Banking product knowledge Customer understanding Standard Bank operational system such as OS2/NDS/BDS Strategic credit management Data analysis Measurements Systems thinking

Job Details Group Shared Services: driving operational excellence, transparency and continuous improvement across our business, by leveraging scale, capabilities and innovation. Job Purpose The BI Analyst is responsible for supporting the Contact Centre sites with timely Reporting/Dashboard/Scorecard solutions using Power BI, SQL Server/SSIS/SSRS, Oracle, MS Access, MS Excel, SharePoint, SAS and similar Business Intelligence tools. To support the reporting requirements by way of data pulls, queries, and automating processes/tasks, creating reports, scorecards and dashboards to the contact centres and support teams (WFM/Projects/QA) Strong BI Development Skills (SQL Server) along with a good knowledge of Data Warehousing, ETL and Modelling concepts are required. Key Responsibilities/Accountabilities Data extraction and Data Validation/Information Gathering Interface with multiple business users across the organization to gather and understand analytics /reporting requirements Translates data in a way that meets functional area specifications. Understands the data, systems and architecture of front end applications and back end data. Pulls the data from the relevant data source/s (e.g., enterprise information warehouse (EIW)) using Cognos /SQL/SAS or any of the existing extraction tools Test planning and execution Performs data validation to ensure that data is correct and meets functional area data specifications. Ensures the timeous delivery of accurate data extraction. Validates the quality of the data, raises incidents, where necessary and works with data stewards to continuously improve on the quality of data. Reporting The primary objective will be to develop and maintain interactive dashboards, liaising with stakeholders to gather, understand, test and roll out requirements. Creation and maintenance of interactive dashboards as required for performance and financial reporting daily/weekly/Monthly to Operations and communicating BI requirements to database development team. Manages the consolidation of all relevant measurement (business, process and performance), MIS and standardised reporting for functional area Provides and adheres to reporting requirements and standards as stipulated in the service level agreement (SLA); measurement governance framework Provide continues improvement reporting and analytics Generate both periodic and ad hoc reports as needed. Analyse business information to identify process improvements for increasing business efficiency and effectiveness. Update and maintain agent database Identify and drive the translation of Adhoc reports to automatic dashboard based reports. Provides trend analytics pro-actively, and on stakeholder request. Puts plans in place to automate all standardised reporting functions Stakeholder Engagement Understand customer requirements and provide appropriate technical solutions. Build and maintain strong relationships with internal clients, and recommend innovative solutions to business problems. Work within cross-functional teams to resolve reporting requirements and recurring customer issues Provide customer support and assistance with reporting enquiries/issue troubleshooting and resolution. Supervisory and Leadership Take a customer-centric view Develop supportive relationships Communicate actively and effectively resolving any potential conflicts that may arise, and sharing and providing relevant information Management of business unit expectations so as to meet delivery deadlines Management of deliverables (especially aligned to agreed project list) Manage multiple (internal) customer needs and relationship Preferred Qualification and Experience • B Degree in Computer Science, Information Systems, Business Administration, or other related field 3+ years of experience in working with Power BI, MS Office, SharePoint, SQL Server/SSIS/SSRS, Oracle SQL and experience in data gathering, storage, extraction and manipulation. Basic knowledge and understanding of the Banking environment. Strong working knowledge of call centre technology, and strong skills in conducting systems analysis and troubleshooting. • Advanced knowledge on ACD systems Knowledge/Technical Skills/Expertise • Exceptional reporting skills; including • Power BI, • MS Excel, MS Access, MS Word and/or • SQL to access, • Combine and analyse multiple data sources preferred (strong comfort level with formatting, formulas, graphs, pivot tables, etc.. Special skills • Very strong Power BI skills • Understand BI, Data Warehouse and ETL concepts • Strong SQL Skills • SAS Skills • SSIS/SSRS • Microsoft SharePoint • Ability to communicate to stakeholders using BI visualisations • Strong work ethic • Able to adapt to change quickly in a fast-paced environment • Strong communication and verbal skills • Able to interact professionally with peers, SMEs, developers, and management • Self-starter (Effectively projects manage reporting requirements from start to finish)

Job Details Information Technology: systems development, business analysis, architecture, project management, data warehousing, infrastructure, maintenance and production Job Purpose The primary objective of Service Management is to provide the disciplines that ensure the collective effort and output of the IT organisation translates solely to sustainable high-quality IT services that help to achieve the Stanbic IBTC Bank's business objectives. The disciplines must also ensure these services are cost effective by efficient utilisation and deployment of technology resources. In StanbicIBTC, the Head IT Service Management also doubles as a BIO (Business Information Officer) to any given Business unit, acting as the single point of contact between IT and the Business Unit. This role requires being constantly in touch with the Business team to continuously understand their priorities and communicate same to IT and also coordinate the delivery of such priorities Key Responsibilities/Accountabilities Key Responsibilities Drive the formulation and delivery of IT Strategies ensuring continuous alignment with the Stanbic IBTC Nigeria's business strategies Lead Business Management function in support of the Chief Information Officer of Stanbic IBTC Nigeria Oversee reports and presentations on IT performance Oversee IT Business Control team Identify, report and resolve financial risks and issues Manage manpower resources for the Information Technology Department of Stanbic IBTC Nigeria in collaboration with Human Capital Oversee Production Assurance and Customer Care team responsible for Service Operations, Service Transition and Service Design Benchmark service levels against other banks with a view to improving our services Business Information Officer Preferred Qualification and Experience Qualification and Experience First Degree IT related course and Computer Sciences IT Infrastructure Library (ITIL)/IT Service Management (ITSM) qualification Project Management Certification Minimum of 10 years experience in IT Service management Minimum of 7 years experience in the implementation of ITIL Processes (Incident, Problem, Change, Release, Service Asset & Configuration Management, Availability, Capacity and Financial Management processes) Minimum of 7 years experience in Project delivery experience (Scope, Risk & Issue, Cost, Time, Procurement, Stakeholder management). Knowledge/Technical Skills/Expertise Technical Competencies Financial management Research and information gathering IT strategy and planning IT knowledge

Job Details Business Banking Job Purpose To support the Business Manager with the day to day running and maintenance of the portfolio. To provide a central office-bound contact point for customers. To deal with all credit related issues in Lifestyle and Entrepreneur segments. To ensure effective communication with Business Managers on all matters relating to the portfolio Key Responsibilities/Accountabilities Customer Experience Provides a consistent customer experience in line with the Small Enterprise Customer Value Proposition Provides a second face office-bound (information/ query handling) service point for Entrepreneur customers. Performs a liaison role between the Business Managers, customers, branches and back office service fulfilment and credit functions. Interacts with customers to establish financial information requirements. Educates customers regarding the parameters and routine procedures governing entrepreneur product and service offerings. Interviews Business customers, when required. Assists with completion of documents and opening of all accounts for the Entrepreneur segment. Ensures that welcome letters are sent to new customers. Attends to transferring and closing of accounts, when necessary. Effectively migrates customers to Direct Channels. Ensures that all new service requests (queries and complaints) are logged correctly, as either a “first contact resolution” or “non-first contact resolution” as appropriate. Ensures that service requests in personal work list are actioned within agreed timelines. Ensures accurate capture, updates or amendments of customer information and history notes. Accurately and efficiently collates and check securities documentation and mandates for banking facilities. Analyses business and financial information e.g. balance sheets, financial statements and management accounts, to prepare and motivate non-scored credit applications in line with credit requirements. Processes scored/un-scored credit applications. Monitors daily excesses to ensure that customer facilities are managed within the parameters set by Credit. Ensures timeous completion of all credit reviews. Ensures the preparation and completion of security documents for accounts on the relevant portfolio. Actions the daily credit violations. Assists with credit checks on new and existing accounts and credit applications, when necessary. Arranges and prepares the manager's appointments for the week ahead. Supports the manager in researching and prospecting for new and migratory business. Lending support and risk management Drive Transaction Led Acquisition Maintains customer portfolio data to identify opportunities for additional facilities. Cross-sells additional value adding products and services to existing customers to assist them in growing their businesses. Identifies and generate sales leads to stakeholders e.g. Personal Market, Vehicle and Asset Finance; Electronic Banking; Standard Bank Financial Consultants; Standard Bank Insurance Brokers, etc. Completes sales and lead generation tracking forms on a daily basis. Ensures that targets and budgets are met. Participates in tactical sales/marketing activities as required. Ensures that all leads are logged correctly in the presence of the customer and ensures cross selling opportunities are identified. Identifies and actions opportunities for cross- and up-sell. Identifies migration opportunities and sells products/services reactively. Reports Scrutinises/Actions all relevant reports according to laid-down instructions, especially the following: Report 8918 (Referral report) where applicable. Report 8665/2084 Actioning of report 2031 (Overdraft list of current/staff accounts) Actioning of report 2099 (Limit reviews) Actioning of excess and dormancy list received from credit Actions Know Your Customer (KYC) and Enhanced Due Diligence (EDD) reports Routine Actions credit referrals Actions credit violations Captures applications for Property Guarantees Captures applications for Lease Guarantees Ensures efficient and effective completion of Conditions of Approvals (COA)'s. Preferred Qualification and Experience Matric Business-related degree 3-4 years branch experience An understanding of how businesses operate, as well as understanding the business risks, industry risks and financial requirements pertaining to the small, medium business market. Knowledge/Technical Skills/Expertise Good knowledge of general banking practices and procedures. Good numerical skills and financial acumen to analyse and evaluate financial statements and balance sheets. A thorough working knowledge of standardised business banking products. Good knowledge of Personal Banking product offerings. A basic knowledge/ awareness of financial investment options, vehicle and asset finance and electronic banking options for lead generation purposes. A basic knowledge of competitor offerings. A sound working knowledge and understanding of Credit principles and practices, including an understanding of credit application, securities and balance sheet requirements, as well as a good knowledge of behavioural scoring. A strong working knowledge of the terms and conditions of multiple legal entities (companies, close corporations, sole proprietorships etc.) in the Business market and the legislative restrictions and requirements governing these from a financial services perspective. A working knowledge of the Financial Advisory and Intermediary Services Act (FAIS) and the Financial Intelligence Centre Act (FICA). A sound working knowledge of Managing Local Market (MLM) sales principles and practices to manage and optimise portfolio retention and growth. Understanding and support of the bank's multi-channel environment.

Job Details Business Banking Job Purpose To support the Business Manager with the day to day running and maintenance of the portfolio. To provide a central office-bound contact point for customers. To deal with all credit related issues in Lifestyle and Entrepreneur segments. To ensure effective communication with Business Managers on all matters relating to the portfolio Key Responsibilities/Accountabilities Customer Experience Provides a consistent customer experience in line with the Small Enterprise Customer Value Proposition Provides a second face office-bound (information/ query handling) service point for Entrepreneur customers. Performs a liaison role between the Business Managers, customers, branches and back office service fulfilment and credit functions. Interacts with customers to establish financial information requirements. Educates customers regarding the parameters and routine procedures governing entrepreneur product and service offerings. Interviews Business customers, when required. Assists with completion of documents and opening of all accounts for the Entrepreneur segment. Ensures that welcome letters are sent to new customers. Attends to transferring and closing of accounts, when necessary. Effectively migrates customers to Direct Channels. Ensures that all new service requests (queries and complaints) are logged correctly, as either a “first contact resolution” or “non-first contact resolution” as appropriate. Ensures that service requests in personal work list are actioned within agreed timelines. Ensures accurate capture, updates or amendments of customer information and history notes. Accurately and efficiently collates and check securities documentation and mandates for banking facilities. Analyses business and financial information e.g. balance sheets, financial statements and management accounts, to prepare and motivate non-scored credit applications in line with credit requirements. Processes scored/un-scored credit applications. Monitors daily excesses to ensure that customer facilities are managed within the parameters set by Credit. Ensures timeous completion of all credit reviews. Ensures the preparation and completion of security documents for accounts on the relevant portfolio. Actions the daily credit violations. Assists with credit checks on new and existing accounts and credit applications, when necessary. Arranges and prepares the manager's appointments for the week ahead. Supports the manager in researching and prospecting for new and migratory business. Lending support and risk management Drive Transaction Led Acquisition Maintains customer portfolio data to identify opportunities for additional facilities. Cross-sells additional value adding products and services to existing customers to assist them in growing their businesses. Identifies and generate sales leads to stakeholders e.g. Personal Market, Vehicle and Asset Finance; Electronic Banking; Standard Bank Financial Consultants; Standard Bank Insurance Brokers, etc. Completes sales and lead generation tracking forms on a daily basis. Ensures that targets and budgets are met. Participates in tactical sales/marketing activities as required. Ensures that all leads are logged correctly in the presence of the customer and ensures cross selling opportunities are identified. Identifies and actions opportunities for cross- and up-sell. Identifies migration opportunities and sells products/services reactively. Reports Scrutinises/Actions all relevant reports according to laid-down instructions, especially the following: Report 8918 (Referral report) where applicable. Report 8665/2084 Actioning of report 2031 (Overdraft list of current/staff accounts) Actioning of report 2099 (Limit reviews) Actioning of excess and dormancy list received from credit Actions Know Your Customer (KYC) and Enhanced Due Diligence (EDD) reports Routine Actions credit referrals Actions credit violations Captures applications for Property Guarantees Captures applications for Lease Guarantees Ensures efficient and effective completion of Conditions of Approvals (COA)'s. Preferred Qualification and Experience Matric Business-related degree 3-4 years branch experience An understanding of how businesses operate, as well as understanding the business risks, industry risks and financial requirements pertaining to the small, medium business market. Knowledge/Technical Skills/Expertise Good knowledge of general banking practices and procedures. Good numerical skills and financial acumen to analyse and evaluate financial statements and balance sheets. A thorough working knowledge of standardised business banking products. Good knowledge of Personal Banking product offerings. A basic knowledge/ awareness of financial investment options, vehicle and asset finance and electronic banking options for lead generation purposes. A basic knowledge of competitor offerings. A sound working knowledge and understanding of Credit principles and practices, including an understanding of credit application, securities and balance sheet requirements, as well as a good knowledge of behavioural scoring. A strong working knowledge of the terms and conditions of multiple legal entities (companies, close corporations, sole proprietorships etc.) in the Business market and the legislative restrictions and requirements governing these from a financial services perspective. A working knowledge of the Financial Advisory and Intermediary Services Act (FAIS) and the Financial Intelligence Centre Act (FICA). A sound working knowledge of Managing Local Market (MLM) sales principles and practices to manage and optimise portfolio retention and growth. Understanding and support of the bank's multi-channel environment.

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 fulfil our business objectives and build customer loyalty. Job Purpose As one of the oldest and most successful financial institutions in the country, we're always looking to hire dedicated, ambitious men and women to fill key future roles in our ever-growing organisation. One of those roles is as an officer frontline, the person at each branch who effortlessly fulfils a number of highly visible responsibilities (including Enquiries, Reception and a Teller role), while ensuring exceptional customer service. An Officer Frontline (which includes Enquiries, Reception and a Teller role) is responsible for providing exceptional customer service including efficient and accurate transactions. An Officer Frontline is a highly visible position in a bank branch, which is mainly spent interacting with customers. Key Responsibilities/Accountabilities As the Officer Frontline, you'll be responsible for: Ffulfilling a number of roles, such as enquiries, teller and reception area Providing the high-quality, efficient processing of customers' financial transactions; and Ensuring that all customer queries are attended to efficiently Preferred Qualification and Experience The Officer Frontline is expected to uphold the integrity and reputation of the Bank work on Saturdays and perhaps even Sundays (depending on the branch) work shifts and, in some regions, work at any of the branches wear a uniform Knowledge/Technical Skills/Expertise Our Consultant Frontlines are expected to work between Monday and Sundays work shifts and, in some regions, work at any of the branches wear uniforms

Job Details Retail & Business Banking Please note that the link to this advert should not to be forwarded to any other party either internal or external to the bank. These roles are specifically ring-fenced as part of a redeployment process and only affected individuals may apply. If this advert link was not sent to you directly as part of a redeployment resourcing process, your application will not be considered.” 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 Qualification FAIS Regulatory Exam (RE5) level 1 Rendering financial services under supervision for intermediary services until relevant FAIS qualification is obtained. Categories: Long Term Insurance Category A (Funeral Plan) Short Term Insurance Personal Lines (Embedded - Personal Accident) Long Term Category B1 (Embedded - Credit Life, Funeral Plan Higher Benefit) Short Term Commercial Lines (Biz - SE) Long Term Deposit: Investment options with access to funds after 12 months Short Term Deposit: This is any transactional, savings and or investment product with access to funds before 12 months Experience 1-2 years Personal and Business Banking : Relevant FAIS qualification but no FAIS experience and would need to operate under supervision. Previous experience in branch banking or contact centre environment with good understanding of bank processes, policies and products Knowledge/Technical Skills/Expertise Good knowledge of general banking practices and procedures. Good numerical skills and financial acumen to analyse and evaluate financial statements and balance sheets. A thorough working knowledge of standardised business banking products. Good knowledge of Personal Banking product offerings. A basic knowledge/ awareness of financial investment options, vehicle and asset finance and electronic banking options for lead generation purposes. A basic knowledge of competitor offerings. A sound working knowledge and understanding of Credit principles and practices, including an understanding of credit application, securities and balance sheet requirements, as well as a good knowledge of behavioural scoring. A strong working knowledge of the terms and conditions of multiple legal entities (companies, close corporations, sole proprietorships etc.) in the Business market and the legislative restrictions and requirements governing these from a financial services perspective. A working knowledge of the Financial Advisory and Intermediary Services Act (FAIS) and the Financial Intelligence Centre Act (FICA). A sound working knowledge of Managing Local Market (MLM) sales principles and practices to manage and optimise portfolio retention and growth.

Job Details Group Shared Services: driving operational excellence, transparency and continuous improvement across our business, by leveraging scale, capabilities and innovation. Job Purpose To design and manage the legal strategy across CRR To provide specialist legal services to CRR To analyse all new/amended/proposed legislation in order identify the impact and consequences of such legislation on CRR To ensure the new/enhanced business lending products and operational processes, complex/structured finance deals, risk mitigation interventions and CRR specific agreements are not in violation of the applicable regulations/legislation/Code of Banking Practice/Financial Sector Charter/Broad-Based Black Economic Empowerment Codes of Good Practice and are aligned to the Bank's standards. Key Responsibilities/Accountabilities General Complete end-to-end review of operational processes and identification of legal risks within CRR. Design and keep updated the end-to-end legal strategy for the CRR operations to mitigate the legal risk identified Draft role specific JDs and requirements of attorneys working within CRR Review and rearrange structure within CRR to ensure optimal use of legal resources to enhance capability and mitigate risk Review legal matters to ascertain whether there are any gaps in the lending process Keep up-to-date with current legal requirements and impacts on CRR Engage on a regular basis with key stakeholders (e.g. CRR heads, Group Legal, Credit and Business leads) Assist in advising CRR on labour related matters (in conjunction with IR where appropriate) Provide proactive legal support throughout CRR Engage with external vendors on behalf of CRR in conjunction with GVMP Train, mentor and coach attorneys within CRR Consistently improve quality of legal services being provided within CRR, including legal services provided by external vendors Legislation Undertake an in-depth analysis of new/amended/proposed legislation and regulations as requested Obtain clarification/ opinions regarding the interpretation of certain sections/provisions of legislation and/or case law from Group Legal. This includes summaries or updates received from attorneys from time to time. Advisory services Identify risks and operational processes issues in relation to CRR operations and propose potential options and solutions and escalate to relevant stakeholders Provide advice on unresolved matters in compliance with applicable legislation and regulations Quality Assurance Ensure compliance with the Code of Banking Practice/Financial Sector Charter/BEE Code/ legislation Identify credit/legal/reputational risk within the CRR environment and escalate same to the appropriate stakeholders Consult with stakeholders both internal and external (attorneys, customers, counterparties, the Banking Association, other banks, business units etc.) Develop, maintain, and monitor a robust process for the handover and managing of matters to external debt collection agencies and/or attorneys ensuring at all times that external debt collection agencies and attorneys are fully briefed with all required supporting documentation and that they are provided with detailed instructions timeously Ensure that all non-standard issues relating to matters within CRR and services provided by external attorneys are escalated to Group Legal timeously in line with the Group Legal policy and as agreed Ensure that Group Legal is provided with complete files and all details relating to matters handed over to them in a timeous manner, especially in matters where the existing attorney mandate has been cancelled due to legal and reputational risk Coaching and relationship management Openly share knowledge and skills with others, actively seeking to expose individuals to new and relevant information Facilitate good relations among key internal and external stakeholders and ensure the avoidance of credit/legal/reputational risk Consciously develop and facilitate good relations networks both with internal and external key stakeholders Ensure the effective selection of staff by matching the skills and competencies to the requirements of the job People Management Ensure skills assessments and competency-based training takes place as and when required Create an environment in which learning and development are emphasised and valued • Take personal responsibility for coaching and mentoring others • Ensure the empowerment, motivation and effectiveness of all direct and indirect reports • Promote a culture where the values of the bank are seen to be ‘alive' • Ensure the implementation of the leadership promise engagement Important Relationships • Establish and maintain a wide network with key stakeholders across Group Shared Services and its clients and suppliers • CRR Heads • Group Legal • External vendors • Heads of Credit • Business Heads • HR/IR Key Perfomance Measures • Meet all SLAs agreed to with CRR Preferred Qualification and Experience • Minimum 8 years experience as an in-house counsel in a financial institution • Minimum 5 years litigation experience in a top tier SA law firm • Experience with financial services litigation as well as in a Collections Environment • Experience in drafting and negotiating agreements for the provision of goods and services with external parties • Management experience in training, mentoring and developing attorneys • Legal post-graduate qualification, articles and admitted attorney • Member (practising or non-practising) of Law Society Knowledge/Technical Skills/Expertise • Strong negotiation skills with both internal and external parties • Orientated to set and achieve high standards of excellence in internal and external performers, as well as an on-going commitment to improvement. • Organisational alertness, including the ability to appreciate and understand how one's own role fits in with other roles and organisation structure of the company, the contents and importance of company policies and procedures and its contribution to the whole • Customer orientation - namely a drive to set and achieve standards of service which comply with the highest expectations of the Bank's clients • Innovation - especially the ability to modify or improve existing ideas in order to ensure on-going growth and improvement • Analytical thinking that allows the candidate to collect, process, analyse and integrate "the pieces of the jigsaw" into relevant, factual outcomes or conclusions • Sound judgement to evaluate and judge situations or alternative strategies, actions and outcomes against rational, logical assumptions • Participative management style, demonstrated through the ability to build common ownership and commitment to group goals and a shared (team) vision

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 Responsible for tactical and operational execution of the Human Capital strategy in support of the business unit strategy. Key Responsibilities/Accountabilities Key Responsibilities Drive the Human Capital strategy in alignment with the business strategy Provide input ino the operational and strategic planning in the business area by providing a view on the strategic priorities that have been identified for Human Capital at a group and business line level. Analyse the impact of internal (projects, systems, process, structure) changes as well as external (market dynamics, labour issues, regulatory changes, union involvement) on the people in the business area. Ensure that the business is adequately prepared to deal with the people impacts. Create and drive the implementation of transition plans. Support line managers in creating effective organisation structures for their own functional areas in line with business unit objectives and processes performed in the business. Identify gaps and overlaps in accountability and work with the line managers to improve the job designs and levels of responsibility. Extract organisation management reports from the SAP system if needed. Create organisation structure scenarios using the Org Publisher system. For complex or large scale organisation designs support can be obtained from the Head Human Capital or the Group Organisational Effectiveness team. Review appropriateness of job contents with line managers and job family owners for all new and updated job descriptions, prior to submitting for job evaluation and publication. Educate line managers on the value of proper job design. When required, complete job analysis and design or request the Group Organisation Effectiveness team to support when there are projects to address job allocations in the business area. Ensure that the rest of the Human Capital team in the business area are informed of the changes. Ensure that structural changes are checked and updated monthly on the SAP system including reporting line changes, new joiners and vacancies. Actively participate in employee relations interventions. Review the merits of new cases and participate in decision making with employee relations specialists. Participate in the preparation of union packs and ensure that the proper approvals are obtained before submission. Advise business on what items need to be informed, consulted or negotiated with unions. Drive the process and brief business owners before union engagements to ensure that they know how to engage. Ensure that the business area is appropriately resourced Taking into consideration business plans for expansion or disinvestment, support line managers to plan their workforce requirements for the year ahead. Proactively identify gaps and create improvement plans with support from resourcing and learning teams. In business areas where the functionality exists, work with workforce planning or productivity managers to ensure that Human Capital governance is adhered to. Approve requests for replacement vacancies as part of the quarterly workforce planning reviews. Assist in managing the headcount budget in partnership with finance. Support the efforts of the resourcing teams to define the business demand for recruitment for each quarter. As part of engaging with employees across the business, identify potential opportunities for employees to move to other areas and arrange interaction with resourcing teams where appropriate. Participate in interviews for graduates on request. For non-permanent resources that are contracted through payroll, review and approve the terms of the contracts prior to distribution to the candidate. Review requests for non-permanent resources and challenge line on the appropriateness of appointing non-permanent giving consideration to duration of the work, rates, skills levels and labour regulations governing non-permanent appointments. Participate in the selection and contract negotiation process for fixed term contractors on request. Manage relationships with labour brokers and other non-perm resource providers at a local level. In line with bank-wide and local diversity requirements, review the composition of the workforce in the business area and advise line on specific interventions to ensure that the bank's workforce meets diversity standards. Identify potential barriers and work closely with the diversity team to create programmes to overcome the barriers. Participate in the orientation process held in the business by meeting new starters during their first week and position the offerings from Human Capital. Business partners are responsible for arranging introductions to key business stakeholders. Conduct exit interviews for junior and middle managers who have resigned as well as a sample of other employees. Compile analysis of the results of the exit interviews and share with the Head of Human Capital if any concerns are flagged. Drive succession plans for senior management. Review the completeness of the plans and highlight gaps to the business senior management. Actively participate in the development actions of identified successors. When international assignees are identified for roles in the business area, request costings for the assignment from the International Assignment (IA) team. In consultation with the IA and tax consultant the additional assignment costing forms should be completed and explained to the hiring manager. Ensure that proper approvals are obtained before the offer is extended to the candidate. Facilitate discussions with the home business partner to agree assignment period as well as the notice period in the current role of the assignee. On the assignment start date provide the workplace orientation in consultation with the line manager. Advise line managers on employee engagement, performance management, talent management and reward Continuously engage with employees and line managers in the business unit to determine the level of engagement. Identify areas of concern and address with the business unit's leadership. Advise line managers on effective goal setting for their employees. Review a sample of performance contracts during each performance cycle with a focus on those prepared by new line managers. Provide feedback to line managers on areas for improvement. Facilitate goal setting sessions where required. Coordinate and preside over performance moderation exercises. Advise line on the appropriate performance distribution given their business unit performance. Track all employees on performance improvement plans and monitor closure/exit. Monitor the performance improvement process and ensure that governance and documentation standards are adhered to. Review overall pay levels for the business unit against market information and incorporate trends identified during recruitment. Highlight gaps or concerns to the Head Human Capital for consideration when determining the remuneration plans for the following year. Review requests for interim increases against the policy requirements. Make recommendations for approval and facilitate the process between line and Reward. Review remuneration matching by comparing the job market match to the individuals and highlighting areas that require correction to the Reward teams. Analyse pay data against market information to make recommendations to line managers where significant adjustments are required. Manage the process of distribution of the increase and bonus pools. Monitor spend and allocation of funds. Ensure that the remuneration cycle is managed as a project within the timelines defined by the Reward team. Drive the reward moderation process by advising the business unit leadership on the moderation principles and guiding the conversations in the moderation meetings. Ensure that fair and consistent standards and guidelines are applied. Explain the recognition programmes together with the opportunities to drive employee engagement and retention to line managers. Act as a champion for driving nominations. Drive the process of identifying middle management and professional level talent. Engage with the talent team to drive talent validation processes. Advise the business unit leadership on the thought processes around talent identification and development. Participate in the creation and monitoring of development plans for identified talent. Create a 1 to 2 year view of the skills development needs in the business area with support from Learning and Development. Help line managers understand the importance of development activities together with any local regulatory requirements around training. Provide input into the business area's skills development plans. Participate in the development of career maps and learning pathways for job families that are unique to the business area. Coach line managers on how to have career discussions with their teams. Monitor the business area's adherence to mandatory compliance training requirements. Drive the understanding of the importance of completing the training within the regulated timelines. Ensure that line managers are aware of Human Capital services and governance standards Ensure a thorough understanding of all Human Capital processes and policies. Guide line managers across the business on how to interpret and apply the requirements and what the business benefits are of doing so. Proactively brief line managers at the start of major events in Human Capital calendar (for example when the annual remuneration process starts). Participate in the group-wide designs of Human Capital solutions and process improvements as business representatives on request. Act as the change champion for improvements in Human Capital processes and systems by explaining the benefits to line managers. Call on support from the group teams in the change management process if needed. Engage with line managers to determine which people metrics they require for making. Aggregate and consolidate the demands and feed into the business intelligence team. Conduct detailed trend ananlysis on metrics and indicators to create a proactive view of emerging risks in the business area. Provide a summary view to the business together with potential mitigation plans. Review and understand the services provided by PeopleFirst. Encourage line managers and employees to use their services. Ensure that change requests are logged for any changes to be affected. Ensure a personal deep understanding of the capability that exists on the Human Capital systems (SAP and PeopleFluent). Encourage business users to use all the available functionality. Preferred Qualification and Experience Qualifications and Experience First Degree in Human and Social Studies, People or Human Development Minimum of 7 years' experience in Human Capital Business Partnering Experience and a deep understanding of the core Human Capital functions including Resourcing, Reward, Employee Relations, Industrial Relations, Diversity and Inclusion, Learning and Development and Organizational Effectiveness. Experience in the financial services industry would be advantageous. Knowledge/Technical Skills/Expertise Technical Competencies Business Acumen Workforce Planning Human Resource Consulting Talent Management Change Management

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 fulfil our business objectives and build customer loyalty Job Purpose To provide a basic, branch-based Business Banking sales and service function to a portfolio of Small Enterprise (SE) customers requiring uncomplicated and standardised financial product solutions. Key Responsibilities/Accountabilities Drive Transaction Led-Customer Acquisition Promotes and sells a range of appropriate Standard Bank of South Africa (SBSA) product offerings and solutions that meet the financial needs of small business customers. Acquires and opens new business accounts and cross sells at account origination according to customer needs. Cross-sells additional products and services to existing customers. Identifies and refers sales leads to Business stakeholders e.g. Vehicle and Asset Finance; Electronic Banking (Business Online); SBFC; SBIB; Card; Home Loans; etc. Actions lead lists provided from direct marketing. Ensures that all leads are logged correctly in the presence of the customer and ensures cross selling opportunities are identified. Identifies and actions opportunities for cross- and up-sell. Identifies migration opportunities and sells products/services reactively. Customer Experience Provides a simple and convenient offering to a portfolio of small enterprise customers. Proactively contacts Top 20 percent of customer in line with SE value proposition. Interacts with customers and conducts needs analyses to assist customers to better understand their financial requirements. Accurately and efficiently processes customer mandates/ documentation requirements for banking facilities. Educates customers regarding the parameters and routine procedures governing standard SE product and self-service channel offerings to ensure the correct customer behaviour and product usage. Ensures that all new service requests (queries and complaints) are logged correctly, as either a first contact resolution” or “non-first contact resolution” as appropriate. Ensures that service requests in personal work list are actioned within agreed timelines. Ensures accurate capture, updates or amendments of customer information and history notes. Economic Profit Responsible for the achievement of financial budgets through optimal growth of balances, margin management and revenue streams. Achieves financial budgets in line with Local market dynamics. Effectively manages pricing concessions and revenue collection. Portfolio Management Contacts customers in order to arrange appointments or discuss any sales opportunities. Arranges face to face appointments as per customer request. Maintains and updates customer information on the necessary systems. Lending Support and Risk Management Explains credit loan facility options and qualifying criteria to customers. Supports customers in the completion of credit application information requirements e.g. personal balance sheets, cash flow statements, financial statements and management accounts. Processes scored credit applications within the confidential limit of authority and Behavioural Risk Indicator (BRI) scores. Notifies customers regarding the approval or decline of credit loan facilities. Captures applications for all lending products. Actions credit violation reports daily as per laid down procedures. Ensures that the Know Your Customer (KYC) reports and Enhanced Due Diligence (EDD) reports are actioned timeously. Ensures that all Business Banking reports are actions as per laid down procedures. Legislative compliance Supports the implementation of the Financial Intelligence Centre Act (FICA) to ensure adherence to record keeping requirements Supports the SE Business Banking to ensure compliance to all applicable legislative requirements such as National Credit Act, Companies Act, Consumer Protection Act, etc. Ensures the adherence to all internal risk related policies and guidelines. Preferred Qualification and Experience Matric Studying towards a Relevant business related tertiary qualification e.g. B.Comm degree is a pre-requisite Must complete one of the Qualifications listed on the FSB recognised list within the allocated time. 2 to 3 years Business Assistant experience to the Business Manager is ideal. Previous experience within the Personal/Consumer banking environment as a Customer Consultant/Personal Banker and/or Enquiries Officer is preferable. Must have relevant intermediary experience in respect of the FAIS product subcategories applicable to this role. Knowledge/Technical Skills/Expertise Good numerical skills, business acumen and financial acumen to interpret financial statements, balance sheets and basic financial ratios. A thorough knowledge of standardised business banking transactional products and other core products relevant to small enterprises. Good knowledge of Personal Banking product offerings. A basic knowledge/awareness of financial investment options, home loans (business mortgage), cards, merchant services, vehicle and asset finance and electronic banking options for lead generation purposes. A good working knowledge and understanding of behavioural credit scoring principles and practices, including an understanding of collateral and balance sheets. A working knowledge of multiple legal entities (companies, close corporations, sole proprietorships etc.) in the Small Enterprises market and the legislative restrictions & requirements governing these from a financial services perspective. A basic knowledge and understanding of the Companies and Intellectual Properties Registration Act (CIPC) for correct documentation/ mandate preparation purposes. Knowledge of competitor offerings. Knowledge of the Financial Advisory and Intermediary Services Act (FAIS), the Financial Intelligence Centre Act (FICA) and the National Credit Act (NCA). A working knowledge of Managing Local Market (MLM) sales principles and practices to manage and optimise portfolio retention and growth. Understanding and support of the bank's multi-channel environment.

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 fulfil our business objectives and build customer loyalty. Job Purpose To focus on portfolio relationship management (e.g. CST, Private Banking Suites, Enterprise Direct and Branches): - To achieve agreed volumes, pricing, quality and objectives of VAF through effective servicing of CST, Private Banking Suites, Enterprise Direct and Branches, is. - To service CST, Private Banking Suites, Enterprise Direct and Branches through the use of effective sales management and the marketing of products to achieve agreed targets and driving growth for Personal and Business Banking. To execute vehicle and asset finance (VAF) sales opportunities within agreed / chosen segments and channels, in order to achieve the desired targets and build and manage effective relationships. Key Responsibilities/Accountabilities New business development Ensures that business potential is identified and developed, and gathers and submits information about competitor activity and market developments Attains new business targets in line with VAF's chosen segments and channels strategies and the agreed customer value propositions. Achieves targets in line with ROEs/agreed margins, by driving and securing quality business priced for risk. Proactively identifies and develops business potential. Gathers and submits information about competitor activity and market developments. Maximises bank profitability and ensures value add to customers through cross-selling, specifically focusing on non-funded income and acquisition opportunities. Acquires new business in line with the VAF Sales strategic objectives and tactical plan so as to achieve specific sales strategies. Prepares and manages a proactive calling programme to CST, Private Banking Suites, Enterprise Direct and Branches, with a view to increasing volumes of business written and the strengthening of relationships. Conducts ongoing and accurate territory analysis to identify business potential and ensure that this forms the basis of service and call programs. This is done on a regular and agreed basis with dealer, supplier and agent. Maximizes bank profitability and ensures value-add to CST, Private Banking Suites, Enterprise Direct, Branches and customers, through cross-selling, specifically focusing on non-funded income and acquisition opportunities. Measures, tracks and manages sales targets and budgets. Gathers and collates information about market conditions and competitor activity in order to fully understand marketing opportunities inform decision making. Develops a joint strategy with the Retail & Business Banking Network to maximise mutual retention opportunities through engagements with the OSS Retentions Team. Sales and service management Services and sells to existing and potential customers through the use of effective service and sales management and the marketing of VAF products. Grows new customer base by networking, cold calling and effective sales and service tactics. Drives VAF's insurance products, as well as maximises fees recovered on the portfolio, to the extent that profits are maximised and customers' needs are met. Where necessary, interacts with clients to obtain and analyse financial material, e.g. management accounts; debtors' lists; cash-flow budgets; in terms of agreed covenants. Assists with related queries, where possible, and facilitates when specialist advice is required. Ensures effective presentations and proposals to customers with the aim of growing the portfolio. Ensures successful retention of existing customers in the assigned portfolio by strengthening and expanding relationships. This is achieved by intimately understanding the customer's business requirements and servicing their financial needs with regards to asset financing. Tracks and manages sales targets and budgets. Mines (i.e. investigates and understands) customer's portfolio data to identify opportunities for additional facilities. Maintains ongoing knowledge of portfolio performance to ensure corrective actions can be taken early. Where necessary and in liaison with originator, prepares and motivates Business Application Committee (BAC) and SA Credit Committee (SACC) papers when applicable. Ensures effective use of the Customer1st lead generation system as a lead, query and complaint management tool. Provides customers with feedback on reclassification of Service Requests, outstanding documentation and telephonic resolution feedback according to customer relationship standards. Ensures that all leads are logged correctly in the presence of the customer and ensures cross selling opportunities are identified. Identifies and actions opportunities for cross- and up-sell. Identifies migration opportunities and sells products/services reactively Customer retention management Establishes and builds one-on-one relationships with Retail & Business Banking, based on mutual respect, in assigned portfolio by delivering the expected level of service, specifically focusing on a pro-active calling strategy and programme. • Ensures successful retention of existing customers in the assigned portfolio by strengthening and expanding relationships. This is achieved by actively monitoring the BAQ, ensuring timeous follow up on all approved applications and service delivery in line with both Retail & Business Banking and customer expectations. • Interacts with Retail & Business Banking to obtain and analyse market statistics with specific reference to agreed levels of penetration and business volumes. • Interacts and builds relationships with Consultant, VAF Sales Centre in order to provide a seamless solution to the client's asset finance requirements. To assist with related queries where possible. • Manages the “cost of sales” through evaluation of margins, cost of service and penetration into desired markets. • Facilitates builds and manages strategic alliances and partnerships within the network for business development and sales support purposes. Relationship and stakeholder management • Develops and maintains close business relationships with both internal and external customers and maintains a high standard and quality of business. • Establishes and builds one-on-one relationships with customers in the assigned portfolio by delivering the expected level of service, specifically focusing on a pro-active contact (calling) programme. • Ensures effective sales reporting to applicable stakeholders across the channels and segments. • Ensures effective presentation of proposals to credit committees at all levels, as necessary, to ensure the business and other stakeholders understand and are able to make a decision on key requirements. • Establishes a sound working relationship with Credit, to ensure prompt turnaround times, accuracy and adherence to deadlines. Risk and compliance • Complies with compliance with all relevant legislation: Financial Intelligence Centre Act (FICA) Financial Advisory and Intermediary Services Act (FAIS) Consumer Protection Act (CPA) National Credit Act (NCA) Company's Act Code of Banking Practice. • Adheres to procedures laid down in the Group Reference Guide (GRG) are adhered to and, where flexibility needs to be exercised, that the necessary dispensation is held. • Prepares accurate preparation and signing of facilities letters. • Meets the set administration standards and governance and compliance issues. • Ensures complete disclosure to clients in terms of accreditation, service fees and commission, in terms of Financial Advisory and Intermediary Services Act (FAIS) by actively engaging with the F&I staff to discuss requirements and adherence with Bank Policy. • Ensure proper record keeping in terms of Financial Advisory and Intermediary Services Act as well as the Financial Intelligence Centre Act requirements. Preferred Qualification and Experience Qualification Matric (with Accounting and/or Mathematics) A financial qualification is an advantage (diploma or degree) Drivers License Preferred: prior training in relationship sales and financial management Experience • 3 -5 years' work experience in a business related role preferably within banking or financial services / finance preferred. • 3-5 years' in a highly pressurised sales and/or relationship management environment. • Experience in a customer facing environment. Knowledge/Technical Skills/Expertise • Knowledge of banking and credit practices, principles, credit applications, securities and balance sheet requirements • Knowledge of current legislation, (e.g., Companies Act, Consumer Protection Act, Financial Advisory and Intermediary Services Act (FAIS) and the Financial Intelligence Centre Act (FICA). • Industry sector knowledge. • Knowledge of credit principles and practices, including an understanding of credit application, securities and balance sheet requirements • Knowledge of the various asset classes, industries and sectors to ensure informed decision making, effective applications and solutions provided

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 sell financial investment and insurance broking products and services to clients, either directly or through intermediaries in the Group network. Key Responsibilities/Accountabilities Prospect for new business opportunities in the market and explore business expansion opportunities with existing quality clients. Analyse and assess client's current and future needs. Apply product and service knowledge to meet market needs. This includes providing financial planning advice to clients, as well as the packaging/ structuring and tailoring of product and service offerings to close and secure profitable business in a carefully segmented market. Preferred Qualification and Experience 120 FAIS Credits (non negotiable) RE 5 Qualification (non negotiable) At least 5 years financial planning industry related experience CFP would be preferable Must not be under any supervision (non negotiable) NQF5 (working towards NQF6) Knowledge/Technical Skills/Expertise 120 FAIS Credits RE 5 At least 5 years industry related experience and knowledge CFP would be preferable Must not be under any supervision Professional Qualification Required 5

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 efficient and effective financial services to Prestige Banking customers. To provide an appointment-based in-branch point of contact for all Prestige Banking customer. Communicates and explains the benefits of the Customer Value Proposition to the customers to the customer to optimise customer service and value to the Bank embed and promote the sales and service model. To ensure that the Prestige Banking customer's banking needs are proactively identified and fulfilled efficiently and cost-effectively through Next Best Action( NBA). To maintain a high level of integrity and ethical standards. To deliver on the branch component of the Prestige Banking CVP Key Responsibilities/Accountabilities Sales Plans, initiates and drives sales tactics (proactive cross selling for expansion) through NBA. Acquire and onboard new customers. Proactively identifies migration and conversion opportunities. Ensures that targets and budgets are met. Follows the on boarding process for new accounts and accounts that have been transferred in Encourages activation of these accounts and pro actively offers clients Debt Order and salary switching. Ensures the consistent use of the Next Best Action (NBA) system and fulfilment of sale on the applicable system. Appointment based sales. Ensures that all leads are logged correctly in the presence of the customer and ensures cross selling opportunities are identified. Identifies and actions opportunities for cross- and up-sell. Ensures accurate capture, updates or amendments of customer information and history notes. Portfolio Management Manages sales, customers and update marketing indicators. Manage the portfolio through cross sell: At onboarding - face to face for NTB At Migration To the existing base Identifies opportunities for personal financial options to ensure that customer retention is maintained by the value added service resulting in growth and profitability of portfolio. Entrench customers by cross selling. Attends to all relevant interviews pertaining to the customer's portfolio, including requests for additional financial services eg. Student Loan, VAF, Home Loans and SBIS. Ensures that all NTB and migration customers are linked to an Account Executive (AE) number. Ensures migration from the Prestige Banking portfolio into Private Banking. Ensures all sales are linked to an AE numbe Retention: Activate accounts in accordance with activation rules. Offer debit order and salary switching. Customer Service Complete all compliance training within laid down timelines. Promotes the use of Banking electronic channels (My updates, Cellphone, Internet). Meet the current CEM score. Delivers Service excellence through practising the Customer Experience Guidelines and Service One pager Ensures the effective use of NBA to enhance the relationship with customer. Conducts contact management by making 2 calls to the customer per year. Performs 7-day welcome call to customers. Performs know your customer (KYC) verification on customer request. Ensure the prompt capturing of Customer1st queries. Communicate the reference number and expected Service Level Agreement (SLA) to the client. Prepares account holder records and new mandates for signature. Opens new account on New Delivery System (NDS) according to laid down procedures as stipulated in Group Reference Guide (GRG). Loads all the relevant limits, Electronic account payments, link accounts and the market segments and portfolios. Issues Automated Teller Machine (ATM) cheque and credit cards and links the ATM cards. Notifies customers once accounts have been approved or declined. Ensures the capturing of confirmation of employment details via the Customer 1st system when required. Completes all necessary documentation during the account origination and ensures accuracy before handing them over for fulfilment. Conducts all duties pertaining to the transferring of accounts to and from other branches according to laid down procedures as stipulated in the Group Reference Guide (GRG). Amending of customer's accounts according to laid down procedures as stipulated in GRG. Completes arbitrations as per laid down procedures as stipulated in GRG. Build awareness of self-service channels: Prestige Line, Email Unit, Smart App and Internet Banking. Perform onboarding for non-branch originated sales. Ensures that all new service requests (queries and complaints) are logged correctly, as either a “first contact resolution” or “non first contact resolution” as appropriate. Ensures that service requests in personal work list are actioned within agreed timelines. Credit Management Interviews customers and captures applications for secured and unsecured lending products. Obtains balance sheets from customers when required. Provides motivation on lending applications where necessary. Provides input into the referral report for actioning by the Account Analyst. Has overall accountability in terms of credit issues pertaining to the portfolio. Preferred Qualification and Experience Matric/ Grade 12 FAIS recognised qualification (NQF 5 minimum) completed RE5 Completed Knowledge/Technical Skills/Expertise 3 years relevant branch banking experience, with exposure to customer service Good knowledge of personal market products Customer relationship management Good knowledge of product criteria and bank policy regarding appropriate pricing, charges and interest rates. Knowledge of the documentation related to personal market credit routine. Knowledge and understanding of credit behavioural scoring and application systems, the granting process and risk management principles. General knowledge and understanding of financial statements, including application of policies and principles for evaluation and management of the risk associated with lending. Knowledge of the Code of Banking Practice. Basic knowledge of competitor products. Basic knowledge of products sold elsewhere within the Group. Understanding and support of the bank's multi-channel environment.

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

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 fulfil our business objectives and build customer loyalty. Job Purpose To achieve Commercial Asset Finance (CAF) sales performance objectives by implementing approved asset-based finance transactions to both new and existing customers for allocated portfolio within a province across segments and sectors. • To maintain post-sales relationships with customers whilst identifying further asset-based finance and retention opportunities in conjunction with the Relationship Managers. Key Responsibilities/Accountabilities Pre - Sales • Identifies and assesses new market opportunities for asset finance within the portfolio of existing RBB and Commercial Banking customers in conjunction with the Relationship teams (e.g., Business Managers, Relationship Managers, Account Executives). Provides SME support to the Relationship teams in the selling of asset-based finance to non-Standard Bank customers within the appropriate market segment. Actively refers sales leads to the Relationship teams. Assesses market opportunities with regards to external supplier, manufactures and alliance sales sources by remaining in touch with market forces and influences. Develops and maintains relationships with supplier, manufacturer and alliance partners with a view to gaining access to new customers that are currently not Standard Bank customers. Engages in regular dialogue with Relationship teams with respect to the bank's appetite for business with existing customers who continue to seek finance through suppliers, manufactures and alliance partners. Validates that customers who wish to finance an asset through the external market have no touch points with RBB. If a touch point exists, informs the Relationship team of the client's intention to finance certain assets prior to visiting the client's site. Sales and Sales Execution Conducts client site visits when receiving a potential lead from the Relationship teams or the Alliance marketer in the external environment. In the Joint Venture and Alliance environment, generates potentials sales from non-Standard Bank clients. This requires calling on and selling to clients that have no touch points with the bank through a cold calling or external lead process. Discusses the general outline of any required asset finance such as client's Capex Budget, the lending terms proposed (including pricing) with the relationship team for an existing RBB / Commercial Banking customer and the Business Analyst / Alliance partner within the external market and ensures that the expected returns for RBB / Commercial Banking over the asset's life are kept in mind. Generates sales through executing leads for existing RBB / Commercial Banking clients that have established credit lines within the internal environment. Offers appropriate solutions based on all available information to offer an informed asset finance solution. If required, obtains further information from the customer to ensure that the correct solution is offered - in conjunction with Catchment and Ecosystem stakeholders. Negotiates appropriate pricing margins for both the client and the bank from an ROI perspective. Focuses on value added products and services (VAPS) where cross sell is applicable to the asset that RBB / Commercial Banking is considering financing. For existing RBB / Commercial Banking customers, consults with the respective Relationship teams to determine whether RBB / Commercial Banking is interested in the potential transaction from a risk and exposure point of view even if the credit line is in place. When receiving or generating a sales lead for existing RBB / Commercial Banking customers or through an Alliance partner in the external market, ensures that the asset dealer is registered on the dealer/supplier database. For a repeat RBB / Commercial Banking customer looking to finance only an asset: prepares a product specialist report, and a motivational letter that includes product (asset) specific information such as lending terms, price and expected returns on the asset for bank and non-banked customer transactions and submits this to the Business Analyst. Submits the product specialist report and the motivation letter through to the respective Relationship teams in the internal market who will review the report and together with Credit make a portfolio decision on the risk appetite. Obtains all the necessary information in order to enable the Business Analyst to prepare the appropriate credit motivation - this includes any pre-credit work. Ensures the securities for the customer are up to date and that all documentation needed for RBB / Commercial Banking to finance an asset are acquired and presented in a manner that makes it easy for Credit to understand. In the external environment, a non RBB / Commercial Banking customer deal will be submitted to the relevant Business Analyst and together will decide on the appetite for and pricing of the deal. For a non RBB / Commercial Banking customer, a transactional decision in financing the asset may be taken without needing to consult with the Relationship team. However, once this initial transaction is banked, the customer relationship will be transferred through to a Relationship team in segment and any future deals will refer to the internal process. Customer Service Drives asset finance processing; from document collection through to obtaining signatures from relevant stakeholders. This will be in the form of signed pro-formas from the dealer that will be handed over to the client for signature and collection prior to the submission of the product specialist report. Waits for the Relationship team (internal market) or the Business Analyst (external market) to inform if the deal has been approved by Credit or not. If the deal has been declined, renegotiates the deal with the client. Any adjustment to the deal must be signed off by the Relationship team for an existing RBB / Commercial Banking customer and prior to resubmission by the Relationship team through to cCedit. Communicates approvals on facilities to the client immediately. Once facility letter has been received, obtains client and relationship manager signatures, negotiates the terms should the client and or relationship manager challenge the terms on the facility letter. Ensures accurate and timeous submission of documentation from stakeholders (e.g., customers, Dealers, etc.) to meet required turnaround times. Ensures that communication channels are kept open so that any additional documents that are required can be gathered as soon as possible as well as kept up to date with the contract preparation process. Collects prepared contracts and securities and if the documents are not in order, returns documents to sales support for correction. Presents the contract, insurance, original invoice and Natis documentation to the client for signature. If the client is not happy with the contract or the securities that have been generated, initiates renegotiations or terminates the contract if the benefit is no longer realised. Drives the dealer process to gain client's signature on the contract prior to the delivery of the asset. Ensures that all signed documentation is sent back to sales support for dealer pay-outs. Collects all documentation required to complete the pay-out process and all originals required for archiving as part of keeping client's records. After Sales service Existing customers o Maintains the CAF relationship for all new and existing customers. Provides high quality after sales care to all new and existing customers (including those with an assigned relationship manager). • Non-bank customers o Facilitates through a personal introduction, the transfer of all new CAF non-customer relationships emanating from supplier, manufacturer and JV alliance partners, to a relationship manager according to the segmentation model within 14 days of the transaction being paid out. o Supports the relationship manager in establishing a primary relationship with all new customers banked that emanate from supplier, manufacturer and JV/Alliance sources. Risk and Control • Delivers a transparent approach to risk by using open dialogue with customers on risk status and raises cautionary notices when appropriate. • Undertakes relevant training and research to develop industry / sector knowledge where appropriate. • Develops solutions which are both practical and appropriate for customers. • Completes, reviews, agrees and signs off product specialist reports and recommendations to Credit. • Accountable for the content of facility letters as well as for obtaining financial information produced by customer to enable the completion of a comprehensive pack by the Business Analyst in the external environment and the relationship manager in the internal environment. • Negotiates appropriate security requirements with customers, within mandate. • Adheres to all relevant policies and procedures and drives data integrity during all customer interactions. • Validates and confirms underlying assets to be financed. Client Service • Ensures that customers asset finance needs are correctly identified, and that an appropriate asset-based finance solution is offered. • Ensues that agreed sales and service deliverables between Standard Bank and its suppliers are met. Team Involvement and administration • Liaises with OSS and sales support to ensure consistent service quality and risk adherence. • Attends team meetings on a regular basis to maintain dialogue/sharing of information to ensure up to date knowledge of market place, business development activity/ initiatives, competitions and people issues, etc. Measures • Achievement of financial objectives • Increased market share • Increased penetration • Achievement of customer service measures (turnaround times, customer feedback) • Stakeholder feedback • Adherence to risk and compliance requirements Preferred Qualification and Experience Qualification First Degree Business Commerce FAIS Accredited & RE Experience 3 - 4 years Sales experience in Commercial Asset Finance. Experience in preparation of credit motivations. Experience in general banking. Understanding of balance sheets and interpreting financial statements. Must have completed FAIS RE 5 requirements. Knowledge/Technical Skills/Expertise 3 - 4 years Sales experience in Commercial Asset Finance. Experience in preparation of credit motivations. Experience in general banking. Understanding of balance sheets and interpreting financial statements. Must have completed FAIS RE 5 requirements.

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 assist Business and Credit with the end-to-end remedial management of enterprise wide distressed debt exposures in the Personal and Business Bank environment, both in house (referred by Account Executives and Credit Evaluation Managers) or under formal Business Rescue proceedings (as per Chapter 6 of the new Companies Act) within assigned Personal-to-Holder mandates; To pro-actively attend to the recoveries process and the protection of the bank's asset base on non-performing loans with values across the entire product spectrum; To proactively represent Business Support and Recoveries at CRC committee level; To innovate and design alternative credit risk management / rehabilitation and recovery methods aimed at optimal efficiency and effectiveness; To reduce the cost of delivery and to conform to end-to-end value propositions; To effectively engage with internal and external stakeholders in order to optimize returns for the Bank; To uphold and maintain the Bank's core values; To provide innovative solutions (involvement of outside consultants, restructuring, recommending sale of non-core assets etc) in an effort to minimise impairments and to retain business. Thresholds (subject to change depending on business needs): Lending products (overdraft, MTL, BTL, L/C's, FEC's, GBB's, Debtor Finance) R2,500,000 VAF R2,500,000 Credit Card R500,000 Home Loans R5,000,000 Property Finance and Big Ticket - All exposures Key Responsibilities/Accountabilities Credit Support In the Personal and Business Bank environment the composition of facilities, financial information and collateral is more complex, mostly consisting of Companies in a holding - subsidiary relationship or sister companies with inter-company loans (annual turnover ranges between R10 million to R500 million, or High net worth private individuals And all related SBSA exposure Undertakes a meaningful assessment of the financial position of the business and/or individual by engaging with the Account Executive / Account Manager, Credit Evaluation Manager and the customer to obtain all the necessary documentation and information. Investigates a wide range of factors regarding the distressed customer including:- identifying enterprise wide exposures, including exposures to sureties; primary reasons for distress; strength of financial statements; past performance; future profitability / sustainability; cash flow generation; industry outlook; validation and valuation of existing collateral and the possibility of improving the position; evaluation of impairment requirements; Provides a full recommendation to business, credit and the customer regarding a restructure or if not possible, recommends legal action to protect the bank's position. Engages with other major creditors, in need and attends to recommendations regarding impairments required. Keeps profile correspondence on all enterprise wide systems up-to- date in terms of all actions/developments. Compiles monthly watch list reports for presentation to Credit Review Committee at the various regional and product specific Credit Review Committee meetings. Attends monthly Credit Review Committee meetings for areas of responsibility and recommends remedial action for those relationships not handled in the Business Support space. Provides input regarding contracts entered into with customers where the scope falls outside of the bank's existing documentation, when engaging with attorneys. Provides recommendations on restructure strategies, if possible when interacting with Business Rescue Practitioners / Turnaround Specialists. Participates in Business Rescue Committee of Creditors and any court proceedings arising during the Business Rescue proceedings in order to protect the bank's interests. Credit Recoveries Complies with all statutory, regulatory and supervisory requirements. Maintains the highest ethical standards to prevent market abuse. Reports any breaches and exposures to the Unit Head and/or the division's Regulatory Compliance Officer. Compiles loss reports for any loss >R5m. Compile write off reports on all losses >R1m for CRMC. Places timeous hold codes on accounts to ensure accounts are not used by the customer once recoveries strategy implemented. Engages with attorney firms when legal action deemed necessary. Attends insolvency inquiries on behalf of the bank. Assesses and analyses business and account risks of non-performing accounts. Takes ownership of identified non-performing accounts until the risk has been reduced to the satisfaction of the Bank and to strive to do so in agreed time frames. Builds professional relationships with internal business partners as well as the Bank's external customers and service providers. Investigates, develops and applies best recoveries practices in the unit. Maintains all records required by the unit to ensure continuity and effective management of its objectives. Housekeeping and maintaining of Bank and departmental records. Attends to the compiling of all claims in liquidated estates and submits same to the liquidators. Raises provisions timeously to cater for possible losses that the bank may suffer. Consider offers of compromise within mandate or refer for approval where necessary. Ensures legal costs are kept to a minimum and within agreed annual budget. Analyses and actions (in need) Liquidation & Distribution Accounts of liquidated/sequestrated estates. Attends to and controls realization of all securities. Compiles informative brief of instructions to attorneys. Any delegated ad-hoc functions. Business Rescue To ensure the effective management of a Business Rescue matter by Standard Bank PBB, across all products into an executable plan aimed at rehabilitating a customer whilst, at the same time, minimising the risk to the Bank. To ensure the formal rehabilitation of a company in financial distress, and the negotiation of a Business Rescue plan with a Business Rescue practitioner (who has taken over full management of the company in Business Rescue). To propose the development and implementation, if approved, of a plan to rescue the client by restructuring its affairs, business, property, debt and other liabilities, and equity in a manner that maximises the likelihood of the company continuing in existence on a solvent basis or, if it is not possible for the company to so continue in existence, results in a better return for the company's creditors or shareholders than would result from the immediate liquidation of the company. To formalise a plan in terms of mandates granted to the Business Rescue Manager by the bank. Legislative ComplianceEnsure compliance to the Companies Act 71 of 2008 as well as any other applicable legislation (FAIS, Insolvency Act, Consumer Protection Act, etc). Business Credit Compliance Ensure completion of all mandatory compliance training within timeframes. Risk management Identifies and manages business risk from both a customer and Bank perspective by ensuring that appropriate control mechanisms are in place and consistently applied within the unit's processes to minimise risk exposure. Ensures compliance with rules, regulations and legislation governing the South African financial services industry. This includes ensuring adherence to the Code of Banking Practice. Identifies risks associated with specific industries and alerts internal customers to take appropriate action. Acts within delegated authority levels and refers matters to the appropriate level if outside of the personal-to-holder delegated authority and certificate of authority. Relationship management Develops and maintains healthy working relationships with all the relevant parties and key stakeholders, both internal and external to the Bank to ensure co-operative, collective management of a Business Support matter. Engages with all necessary stakeholders to either successfully rehabilitate a client within the shortest time period possible, alternatively if it is not possible for the company to so continue in existence, work with all necessary stakeholders to ensure that the re-organisation results in a better return for the bank and circumvent would result from the immediate liquidation of the company. Produces or delivers the following to be considered effective: Proposes the development and implementation, if approved, of a plan to rehabilitate the client by restructuring its affairs, business, property, debt and other liabilities, and equity in a manner that maximises the likelihood of the company continuing in existence on a solvent basis, or if it is not possible for the company to so continue in existence, results in a better return for the bank than would result from the immediate liquidation of the company. Escalates a matter when deemed necessary - in the case of arbitration or when a complaint is received. Manages a portfolio of customers in Business Rescue via interaction with Business Rescue Practitioners, other creditors, trade union representatives, customers and internal stakeholders in order to maximise the likelihood of the company continuing in existence, or if it is not possible for the company to so continue in existence, results in a better return for the bank than would result from the immediate liquidation of the company. Vote for or against a business rescue plan within authorised mandate. Preferred Qualification and Experience Matric, 3 year tertiary Degree will be an advantage. (Preferred: Business / Legal / Accounting or related credit / risk qualification) Certifications-Credit / Risk Management / SARIPA (AIPSA) Minimum 3 - 5 year experience in a Personal & Business Banking credit environment (preferably a Credit / Risk Assessment or Recoveries role). Minimum 5 years credit / risk / relationship and recoveries experience if no tertiary qualification held The successful incumbent will also bring Legal expertise to the role. Knowledge/Technical Skills/Expertise Credit assessment Knowledge of all banking products Knowledge of collateral Knowledge of risk management in respect of distressed debt customers Legal/accounting/business knowledge Knowledge of applicable legislation (Companies Act, Insolvency Act, High Court Act, Magistrate's Court Act, NCA, Consumer Protection Act, Popi,) Required to have sufficient knowledge of credit / risk procedures to critically analyse information to ensure quality recommendations for a restructure / recovery Computer literacy - knowledge of applicable systems (MS Word, Excel, Power Point) Accounting/budgeting skills Risk management ability Credit evaluation skills Recoveries evaluation skills Turnaround of business Product knowledge Collateral knowledge

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 fulfil our business objectives and build customer loyalty. Job Purpose To achieve Commercial Asset Finance (CAF) sales performance objectives by implementing approved asset-based finance transactions to both new and existing customers for allocated portfolio within a province across segments and sectors. • To maintain post-sales relationships with customers whilst identifying further asset-based finance and retention opportunities in conjunction with the Relationship Managers. Key Responsibilities/Accountabilities Pre - Sales • Identifies and assesses new market opportunities for asset finance within the portfolio of existing RBB and Commercial Banking customers in conjunction with the Relationship teams (e.g., Business Managers, Relationship Managers, Account Executives). Provides SME support to the Relationship teams in the selling of asset-based finance to non-Standard Bank customers within the appropriate market segment. Actively refers sales leads to the Relationship teams. Assesses market opportunities with regards to external supplier, manufactures and alliance sales sources by remaining in touch with market forces and influences. Develops and maintains relationships with supplier, manufacturer and alliance partners with a view to gaining access to new customers that are currently not Standard Bank customers. Engages in regular dialogue with Relationship teams with respect to the bank's appetite for business with existing customers who continue to seek finance through suppliers, manufactures and alliance partners. Validates that customers who wish to finance an asset through the external market have no touch points with RBB. If a touch point exists, informs the Relationship team of the client's intention to finance certain assets prior to visiting the client's site. Sales and Sales Execution Conducts client site visits when receiving a potential lead from the Relationship teams or the Alliance marketer in the external environment. In the Joint Venture and Alliance environment, generates potentials sales from non-Standard Bank clients. This requires calling on and selling to clients that have no touch points with the bank through a cold calling or external lead process. Discusses the general outline of any required asset finance such as client's Capex Budget, the lending terms proposed (including pricing) with the relationship team for an existing RBB / Commercial Banking customer and the Business Analyst / Alliance partner within the external market and ensures that the expected returns for RBB / Commercial Banking over the asset's life are kept in mind. Generates sales through executing leads for existing RBB / Commercial Banking clients that have established credit lines within the internal environment. Offers appropriate solutions based on all available information to offer an informed asset finance solution. If required, obtains further information from the customer to ensure that the correct solution is offered - in conjunction with Catchment and Ecosystem stakeholders. Negotiates appropriate pricing margins for both the client and the bank from an ROI perspective. Focuses on value added products and services (VAPS) where cross sell is applicable to the asset that RBB / Commercial Banking is considering financing. For existing RBB / Commercial Banking customers, consults with the respective Relationship teams to determine whether RBB / Commercial Banking is interested in the potential transaction from a risk and exposure point of view even if the credit line is in place. When receiving or generating a sales lead for existing RBB / Commercial Banking customers or through an Alliance partner in the external market, ensures that the asset dealer is registered on the dealer/supplier database. For a repeat RBB / Commercial Banking customer looking to finance only an asset: prepares a product specialist report, and a motivational letter that includes product (asset) specific information such as lending terms, price and expected returns on the asset for bank and non-banked customer transactions and submits this to the Business Analyst. Submits the product specialist report and the motivation letter through to the respective Relationship teams in the internal market who will review the report and together with Credit make a portfolio decision on the risk appetite. Obtains all the necessary information in order to enable the Business Analyst to prepare the appropriate credit motivation - this includes any pre-credit work. Ensures the securities for the customer are up to date and that all documentation needed for RBB / Commercial Banking to finance an asset are acquired and presented in a manner that makes it easy for Credit to understand. In the external environment, a non RBB / Commercial Banking customer deal will be submitted to the relevant Business Analyst and together will decide on the appetite for and pricing of the deal. For a non RBB / Commercial Banking customer, a transactional decision in financing the asset may be taken without needing to consult with the Relationship team. However, once this initial transaction is banked, the customer relationship will be transferred through to a Relationship team in segment and any future deals will refer to the internal process. Customer Service Drives asset finance processing; from document collection through to obtaining signatures from relevant stakeholders. This will be in the form of signed pro-formas from the dealer that will be handed over to the client for signature and collection prior to the submission of the product specialist report. Waits for the Relationship team (internal market) or the Business Analyst (external market) to inform if the deal has been approved by Credit or not. If the deal has been declined, renegotiates the deal with the client. Any adjustment to the deal must be signed off by the Relationship team for an existing RBB / Commercial Banking customer and prior to resubmission by the Relationship team through to cCedit. Communicates approvals on facilities to the client immediately. Once facility letter has been received, obtains client and relationship manager signatures, negotiates the terms should the client and or relationship manager challenge the terms on the facility letter. Ensures accurate and timeous submission of documentation from stakeholders (e.g., customers, Dealers, etc.) to meet required turnaround times. Ensures that communication channels are kept open so that any additional documents that are required can be gathered as soon as possible as well as kept up to date with the contract preparation process. Collects prepared contracts and securities and if the documents are not in order, returns documents to sales support for correction. Presents the contract, insurance, original invoice and Natis documentation to the client for signature. If the client is not happy with the contract or the securities that have been generated, initiates renegotiations or terminates the contract if the benefit is no longer realised. Drives the dealer process to gain client's signature on the contract prior to the delivery of the asset. Ensures that all signed documentation is sent back to sales support for dealer pay-outs. Collects all documentation required to complete the pay-out process and all originals required for archiving as part of keeping client's records. After Sales service Existing customers o Maintains the CAF relationship for all new and existing customers. Provides high quality after sales care to all new and existing customers (including those with an assigned relationship manager). • Non-bank customers o Facilitates through a personal introduction, the transfer of all new CAF non-customer relationships emanating from supplier, manufacturer and JV alliance partners, to a relationship manager according to the segmentation model within 14 days of the transaction being paid out. o Supports the relationship manager in establishing a primary relationship with all new customers banked that emanate from supplier, manufacturer and JV/Alliance sources. Risk and Control • Delivers a transparent approach to risk by using open dialogue with customers on risk status and raises cautionary notices when appropriate. • Undertakes relevant training and research to develop industry / sector knowledge where appropriate. • Develops solutions which are both practical and appropriate for customers. • Completes, reviews, agrees and signs off product specialist reports and recommendations to Credit. • Accountable for the content of facility letters as well as for obtaining financial information produced by customer to enable the completion of a comprehensive pack by the Business Analyst in the external environment and the relationship manager in the internal environment. • Negotiates appropriate security requirements with customers, within mandate. • Adheres to all relevant policies and procedures and drives data integrity during all customer interactions. • Validates and confirms underlying assets to be financed. Client Service • Ensures that customers asset finance needs are correctly identified, and that an appropriate asset-based finance solution is offered. • Ensues that agreed sales and service deliverables between Standard Bank and its suppliers are met. Team Involvement and administration • Liaises with OSS and sales support to ensure consistent service quality and risk adherence. • Attends team meetings on a regular basis to maintain dialogue/sharing of information to ensure up to date knowledge of market place, business development activity/ initiatives, competitions and people issues, etc. Measures • Achievement of financial objectives • Increased market share • Increased penetration • Achievement of customer service measures (turnaround times, customer feedback) • Stakeholder feedback • Adherence to risk and compliance requirements Preferred Qualification and Experience Qualification First Degree Business Commerce FAIS Accredited & RE Experience 3 - 4 years Sales experience in Commercial Asset Finance. Experience in preparation of credit motivations. Experience in general banking. Understanding of balance sheets and interpreting financial statements. Must have completed FAIS RE 5 requirements. Knowledge/Technical Skills/Expertise 3 - 4 years Sales experience in Commercial Asset Finance. Experience in preparation of credit motivations. Experience in general banking. Understanding of balance sheets and interpreting financial statements. Must have completed FAIS RE 5 requirements.

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 assist Business and Credit with the end-to-end remedial management of enterprise wide distressed debt exposures in the Personal and Business Bank environment, both in house (referred by Account Executives and Credit Evaluation Managers) or under formal Business Rescue proceedings (as per Chapter 6 of the new Companies Act) within assigned Personal-to-Holder mandates; To pro-actively attend to the recoveries process and the protection of the bank's asset base on non-performing loans with values across the entire product spectrum; To proactively represent Business Support and Recoveries at CRC committee level; To innovate and design alternative credit risk management / rehabilitation and recovery methods aimed at optimal efficiency and effectiveness; To reduce the cost of delivery and to conform to end-to-end value propositions; To effectively engage with internal and external stakeholders in order to optimize returns for the Bank; To uphold and maintain the Bank's core values; To provide innovative solutions (involvement of outside consultants, restructuring, recommending sale of non-core assets etc) in an effort to minimise impairments and to retain business. Thresholds (subject to change depending on business needs): Lending products (overdraft, MTL, BTL, L/C's, FEC's, GBB's, Debtor Finance) R2,500,000 VAF R2,500,000 Credit Card R500,000 Home Loans R5,000,000 Property Finance and Big Ticket - All exposures Key Responsibilities/Accountabilities Credit Support In the Personal and Business Bank environment the composition of facilities, financial information and collateral is more complex, mostly consisting of Companies in a holding - subsidiary relationship or sister companies with inter-company loans (annual turnover ranges between R10 million to R500 million, or High net worth private individuals And all related SBSA exposure Undertakes a meaningful assessment of the financial position of the business and/or individual by engaging with the Account Executive / Account Manager, Credit Evaluation Manager and the customer to obtain all the necessary documentation and information. Investigates a wide range of factors regarding the distressed customer including:- identifying enterprise wide exposures, including exposures to sureties; primary reasons for distress; strength of financial statements; past performance; future profitability / sustainability; cash flow generation; industry outlook; validation and valuation of existing collateral and the possibility of improving the position; evaluation of impairment requirements; Provides a full recommendation to business, credit and the customer regarding a restructure or if not possible, recommends legal action to protect the bank's position. Engages with other major creditors, in need and attends to recommendations regarding impairments required. Keeps profile correspondence on all enterprise wide systems up-to- date in terms of all actions/developments. Compiles monthly watch list reports for presentation to Credit Review Committee at the various regional and product specific Credit Review Committee meetings. Attends monthly Credit Review Committee meetings for areas of responsibility and recommends remedial action for those relationships not handled in the Business Support space. Provides input regarding contracts entered into with customers where the scope falls outside of the bank's existing documentation, when engaging with attorneys. Provides recommendations on restructure strategies, if possible when interacting with Business Rescue Practitioners / Turnaround Specialists. Participates in Business Rescue Committee of Creditors and any court proceedings arising during the Business Rescue proceedings in order to protect the bank's interests. Credit Recoveries Complies with all statutory, regulatory and supervisory requirements. Maintains the highest ethical standards to prevent market abuse. Reports any breaches and exposures to the Unit Head and/or the division's Regulatory Compliance Officer. Compiles loss reports for any loss >R5m. Compile write off reports on all losses >R1m for CRMC. Places timeous hold codes on accounts to ensure accounts are not used by the customer once recoveries strategy implemented. Engages with attorney firms when legal action deemed necessary. Attends insolvency inquiries on behalf of the bank. Assesses and analyses business and account risks of non-performing accounts. Takes ownership of identified non-performing accounts until the risk has been reduced to the satisfaction of the Bank and to strive to do so in agreed time frames. Builds professional relationships with internal business partners as well as the Bank's external customers and service providers. Investigates, develops and applies best recoveries practices in the unit. Maintains all records required by the unit to ensure continuity and effective management of its objectives. Housekeeping and maintaining of Bank and departmental records. Attends to the compiling of all claims in liquidated estates and submits same to the liquidators. Raises provisions timeously to cater for possible losses that the bank may suffer. Consider offers of compromise within mandate or refer for approval where necessary. Ensures legal costs are kept to a minimum and within agreed annual budget. Analyses and actions (in need) Liquidation & Distribution Accounts of liquidated/sequestrated estates. Attends to and controls realization of all securities. Compiles informative brief of instructions to attorneys. Any delegated ad-hoc functions. Business Rescue To ensure the effective management of a Business Rescue matter by Standard Bank PBB, across all products into an executable plan aimed at rehabilitating a customer whilst, at the same time, minimising the risk to the Bank. To ensure the formal rehabilitation of a company in financial distress, and the negotiation of a Business Rescue plan with a Business Rescue practitioner (who has taken over full management of the company in Business Rescue). To propose the development and implementation, if approved, of a plan to rescue the client by restructuring its affairs, business, property, debt and other liabilities, and equity in a manner that maximises the likelihood of the company continuing in existence on a solvent basis or, if it is not possible for the company to so continue in existence, results in a better return for the company's creditors or shareholders than would result from the immediate liquidation of the company. To formalise a plan in terms of mandates granted to the Business Rescue Manager by the bank. Legislative ComplianceEnsure compliance to the Companies Act 71 of 2008 as well as any other applicable legislation (FAIS, Insolvency Act, Consumer Protection Act, etc). Business Credit Compliance Ensure completion of all mandatory compliance training within timeframes. Risk management Identifies and manages business risk from both a customer and Bank perspective by ensuring that appropriate control mechanisms are in place and consistently applied within the unit's processes to minimise risk exposure. Ensures compliance with rules, regulations and legislation governing the South African financial services industry. This includes ensuring adherence to the Code of Banking Practice. Identifies risks associated with specific industries and alerts internal customers to take appropriate action. Acts within delegated authority levels and refers matters to the appropriate level if outside of the personal-to-holder delegated authority and certificate of authority. Relationship management Develops and maintains healthy working relationships with all the relevant parties and key stakeholders, both internal and external to the Bank to ensure co-operative, collective management of a Business Support matter. Engages with all necessary stakeholders to either successfully rehabilitate a client within the shortest time period possible, alternatively if it is not possible for the company to so continue in existence, work with all necessary stakeholders to ensure that the re-organisation results in a better return for the bank and circumvent would result from the immediate liquidation of the company. Produces or delivers the following to be considered effective: Proposes the development and implementation, if approved, of a plan to rehabilitate the client by restructuring its affairs, business, property, debt and other liabilities, and equity in a manner that maximises the likelihood of the company continuing in existence on a solvent basis, or if it is not possible for the company to so continue in existence, results in a better return for the bank than would result from the immediate liquidation of the company. Escalates a matter when deemed necessary - in the case of arbitration or when a complaint is received. Manages a portfolio of customers in Business Rescue via interaction with Business Rescue Practitioners, other creditors, trade union representatives, customers and internal stakeholders in order to maximise the likelihood of the company continuing in existence, or if it is not possible for the company to so continue in existence, results in a better return for the bank than would result from the immediate liquidation of the company. Vote for or against a business rescue plan within authorised mandate. Preferred Qualification and Experience Matric, 3 year tertiary Degree will be an advantage. (Preferred: Business / Legal / Accounting or related credit / risk qualification) Certifications-Credit / Risk Management / SARIPA (AIPSA) Minimum 3 - 5 year experience in a Personal & Business Banking credit environment (preferably a Credit / Risk Assessment or Recoveries role). Minimum 5 years credit / risk / relationship and recoveries experience if no tertiary qualification held The successful incumbent will also bring Legal expertise to the role. Knowledge/Technical Skills/Expertise Credit assessment Knowledge of all banking products Knowledge of collateral Knowledge of risk management in respect of distressed debt customers Legal/accounting/business knowledge Knowledge of applicable legislation (Companies Act, Insolvency Act, High Court Act, Magistrate's Court Act, NCA, Consumer Protection Act, Popi,) Required to have sufficient knowledge of credit / risk procedures to critically analyse information to ensure quality recommendations for a restructure / recovery Computer literacy - knowledge of applicable systems (MS Word, Excel, Power Point) Accounting/budgeting skills Risk management ability Credit evaluation skills Recoveries evaluation skills Turnaround of business Product knowledge Collateral knowledge

Job Details Standard Bank is a firm believer in technical innovation, to help us guarantee exceptional client service and leading edge financial solutions. Our digital footprint 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 an experienced Senior Developer, Payments (Java) to join our dedicated team at our JHB offices. Standard Bank is a leading African banking group focused on emerging markets globally. It has been a mainstay of South Africa's financial system for 154 years, and now spans 18 countries across the African continent Job Purpose To manage and oversee the Bank's operational and tactical development 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. Key Responsibilities/Accountabilities 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 Managing their work using available resources and methodologies ensuring full team Estimating the size and complexity of the work within the team and managing this Determining the technical design in their area of concern, within the architectural Driving team commitments to the work in every iteration or Program Is responsible for value and builds to continuously improve the quality of Continuously finding ways to improve own and the teams 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 Conduct Testing across various IT platforms Prepares test cases for unit testing purposes. Review test cases as produced by other developers for unit testing purposes as required. Conducts unit testing and fix detected errors. Testing can be done on own work as well as on that of other colleagues in the team. Develops technical support documentation within agreed standards. Documents all work done as per standards, methods and tools used in the bank for application development. Review work done by developers to assure all work has been done as per standards, methods and tools used in the bank for application development Construct, interpret and execute end to end system and program tests to verify correct operation of completed systems. Ensure adherence to release methodology and technical change management procedures for all changes. Adhere to own or manage team's project timelines for new developments and agreed service level timelines for repairing defects. Drives Continuous improvement 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 Qualification: BSc Comp Science, B.Com Informatics degree or advanced degree Bachelor's degree in a field requiring strong analytical and quantitative skills such as Computer Science, Engineering, Mathematics, Information Systems or similar Experience: 5-7 Years Experience in Application Support - Broad experience in translating business and functional requirements into technical specifications and developing the programming code to create the solutions. System thinking to ensure that design of the physical solution is done with a cloud native perspective, yet consider the integration into the existing environment Product API and Interface API development and design Preferred Cloud Platform Skills: Any Open Shift, Azure, AWS Preferred Development Languages: Java, Java Springboot, GoLang. Candidates with language development will also be considered depending on the level of experience and the complexity of the systems maintained. Willing to explore with new technology, prototypes and pilots. Develop and promote best practices for implementation across the Payments Portfolio Drive strategic technology initiatives embedded with the other feature teams Knowledge/Technical Skills/Expertise Technical Skills Require Java Go * (nice to have) Python *(nice to have) Java Script (VUE, Angular etc) Cloud (Azure and AWS) Chef Gitlab 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.

Job Details Information Technology: systems development, business analysis, architecture, project management, data warehousing, infrastructure, maintenance and production Job Purpose The Release Train Engineer facilitate Agile Release Train processes and execution, respectively. They escalate impediments, manage risk, help assure value delivery, and help drive continuous improvement. Many also participate in the Lean-Agile transformation, coaching leaders, teams, and Scrum Masters in the new processes and mindsets. They help adapt SAFe to the organization, standardizing and documenting practices. Key Responsibilities/Accountabilities Prioritise and plan program Increment as part of the Agile Release Train (ART) Facilitate nWOW adaption, standardizing and documenting practices. Guide the team, including facilitating programme level processes and execution and growing the nWOW methodology at the program level (yet still allowing the team to self organise). Plan and obtain resources and tools. Organize, run and facilitate the Program Increment (PI) Planning Organize, run and facilitate Release Management forum Secure Shared Services commitments and accountability for release plans. Provide release plans that offer realistic means of achieving commitments. Establish program level cadence and drive program level ceremonies (e.g. PI Planning, Product Management Council, Scrum of Scrums, System Demo Inspect and Adapt Workshop) Manages and optimises the flow of value through the programme using various tools, such as the programme and value stream Kanban's Establishes and communicates the annual calendars for iterations and programme increment cadence. Understand and operate within the ART Budget Release Train Capacity Management (does the train have the necessary skills to execute PI Objectives. Execute Agile Release Train based on agreed PI Objectives Drive multiple release planning sessions Facilitate the resolution of impediments within span of influence. Once an impediment is outside of a Scrum Master's span of influence the RTE steps in to remove or escalate the impediment to someone that can remove the impediment. Work with other program leaders to drive the definition and refinement of the program backlog and execution alignment. At the program level, meet with all Delivery Engineers and Scrum Masters to track dependencies and risks. Maintain metrics that provide visibility to stakeholders on program-level plans, progress and quality. Support Product Owners with various requirements gathering and scrum activities as needed Escalate impediments and manages risk Help to assure value delivery Aggregate team objectives into programme objectives and publishes them for visibility and transparency Assist with execution and feature/capability completion tracking (KPIs/metrics) Facilitate periodic synchronization meetings (Scrum of Scrums and PO Sync) Assist with economic decision-making by facilitating feature and capability estimation by teams and roll-up to the value stream level and portfolio level Drive relentless improvement Assess the continuum maturity level (SBSA Continuum Maturity Model) of the programme/value stream and help improve. Foster collaboration amongst and across ART Encourage cross-value stream coordination and collaboration Facilitate intergroup communication and dependency resolution, specifically helping to keep information moving so that the teams can focus on delivery. Facilitate alignment dependencies between the program team and third parties, release managers, or between the team and other Scrum Teams. Encourages the collaboration across Program and Team layer of SAF'e Coaching and Mentoring of the ART Develop, coach and mentor teams and scrum masters in lean/agile practices and mind-sets Actively contribute to the banks nWOW Community through participation in the internal Agile Community of Practice and Scrum Master Forums Chairs the scrum of scrums (SoS). As a leader and the scrum master of scrum masters, the RTE is perfectly positioned to ensure that teams interact and share cross-team issues and risks by facilitating the SoS. Preferred Qualification and Experience Qualifications Bachelors Degree in IT Senior post graduate qualification (Certified Scale Agile Program Consultant (SPC) or SAF'e Agile, Scrum Master/ Experience of Kanban/ Software Development Lifecycle) Experience 7 - 10 years experience in Information Technology 5 - 7 years experience in Business Support 3+ years of experience as a Scrum Master, Product Owner, or Agile Coach Knowledge/Technical Skills/Expertise Technical Competencies 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. Business Analysis - Knowledge and ability to analyse business requirements to be met by IT solutions. Organisation Change Management - Defining and managing the process of deploying and integrating IT capabilities into the business in a way that is sensitive to, and fully compatible with, business operations. Stakeholder Management - Defining and managing the process of deploying and integrating IT capabilities into the business in a way that is sensitive to, and fully compatible with, business operations. Research and Information Gathering - Ability to review and study relevant information from various sources to develop new information; Ability to identify primary and secondary authorities to validate the research. Trouble Shooting Ability - Knowledge and understanding of IT diagnostic tools including the replication of errors in test environments. IT Knowledge - Possesses a deep and broad knowledge base in fundamental IT technical skill sets. Stays informed on emerging trends. Quality Assurance - The process of ensuring that the agreed quality standards within an organization are adhered to and that best practice is promulgated throughout the organization. Rollout Management - Refers to the knowledge and experience required to ensure the protection of the live environment and its services by using formal procedures and checks. Behavioural Competencies Developing Relationships Exploring Possibilities Developing Practical Approaches Articulating Information Resolving Conflict

Job Details Standard Bank is a firm believer in technical innovation, to help us guarantee exceptional client service and leading edge financial solutions. Our digital footprint 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 an experienced Senior Full Stack Engineer to join our dedicated team at our JHB offices. Standard Bank is a leading African banking group focused on emerging markets globally. It has been a mainstay of South Africa's financial system for 154 years, and now spans 18 countries across the African continent Job Purpose To manage and oversee the Bank's operational and tactical development 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. Key Responsibilities/Accountabilities 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 Managing their work using available resources and methodologies ensuring full team Estimating the size and complexity of the work within the team and managing this Determining the technical design in their area of concern, within the architectural Driving team commitments to the work in every iteration or Program Is responsible for value and builds to continuously improve the quality of Continuously finding ways to improve own and the teams 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 Conduct Testing across various IT platforms Prepares test cases for unit testing purposes. Review test cases as produced by other developers for unit testing purposes as required. Conducts unit testing and fix detected errors. Testing can be done on own work as well as on that of other colleagues in the team. Develops technical support documentation within agreed standards. Documents all work done as per standards, methods and tools used in the bank for application development. Review work done by developers to assure all work has been done as per standards, methods and tools used in the bank for application development Construct, interpret and execute end to end system and program tests to verify correct operation of completed systems. Ensure adherence to release methodology and technical change management procedures for all changes. Adhere to own or manage team's project timelines for new developments and agreed service level timelines for repairing defects. Drives Continuous improvement 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 Qualification: BSc Comp Science, B.Com Informatics degree or advanced degree Bachelor's degree in a field requiring strong analytical and quantitative skills such as Computer Science, Engineering, Mathematics, Information Systems or similar Experience: 5-7 Years Experience in Application Support - Broad experience in translating business and functional requirements into technical specifications and developing the programming code to create the solutions. System thinking to ensure that design of the physical solution is done with a cloud native perspective, yet consider the integration into the existing environment Product API and Interface API development and design Preferred Cloud Platform Skills: Any Open Shift, Azure, AWS Preferred Development Languages: Java, Java Springboot, GoLang. Candidates with language development will also be considered depending on the level of experience and the complexity of the systems maintained. Willing to explore with new technology, prototypes and pilots. Develop and promote best practices for implementation across the Payments Portfolio Drive strategic technology initiatives embedded with the other feature teams Knowledge/Technical Skills/Expertise Technical Skills Require Java Go * (nice to have) Python *(nice to have) Java Script (VUE, Angular etc) Cloud (Azure and AWS) Chef Gitlab 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.

Job Details Retail & Business Banking Job Purpose To investigate queries that have been escalated from TPS, Service Management or customer directly, and resolve them in accordance with specified query management processes and systems. Note these queries mainly relate to national or top CIB and Business Banking Customers. Key Responsibilities/Accountabilities • Ensure an accurate and up to date understanding of Production and Customer processes at a site / regional level Ensure a detailed understanding of the Service Catalogue and Customer SLA in order to understand what action to take when queries get escalated Identify issues in the customer environment (through query investigation) which might require an intervention from one of the CSIs Create understanding of the back end processing with Customers and on how the process gets fulfilled in Production Ensure all queries are logged on Customer 1st, with all required supporting information Ensure queries get escalated in accordance with specified procedures Prepare reports as requested for Service Management Ensure that Service Management has the necessary information at hand to inform effective performance / service discussions with the Customer Build and maintain collaborative and cohesive relationships with Production peers Proactively propose effective and efficient ways of improving the service to customers through Production Undertake root cause analysis where requested to solve problems Key performance measure Query fulfilment according to specified process and turn-around times Enablement of the Service Management function (contributing to more effective Service Management) Knowledge levels relating to both the Production and Customer environment Healthy stakeholder and customer relationships Continuous improvement to improve performance and cost Preferred Qualification and Experience • 1 - 2 years' experience in Banking/Operations/ Channel environment 1- 2 years' experience in a call centre / customer support desk environment Matric/Diploma/Degree an advantage 1 - 2 years' experience in a cash processing environment Knowledge/Technical Skills/Expertise • Exposure to an Operations / Manufacturing/ Retail Banking environment beneficial Cash processing knowledge advantageous Broad knowledge of Standard Bank's products, services, channels, measurement, data and organisational structure. Query resolution processes and systems beneficial Technical competencies Customer engagement skills Problem Solving skills Analysis skills Planning skills Reporting skills Communication skills (verbal and written) • Query logging / system skills

Job Details Standard Bank is a firm believer in technical innovation, to help us guarantee exceptional client service and leading edge financial solutions. Our digital footprint 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 an experienced Senior Developer, IOS to join our dedicated team at our JHB offices. Standard Bank is a leading African banking group focused on emerging markets globally. It has been a mainstay of South Africa's financial system for 154 years, and now spans 18 countries across the African continent Job Purpose To manage and oversee the Bank's operational and tactical development 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. Key Responsibilities/Accountabilities 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 Managing their work using available resources and methodologies ensuring full team Estimating the size and complexity of the work within the team and managing this Determining the technical design in their area of concern, within the architectural Driving team commitments to the work in every iteration or Program Is responsible for value and builds to continuously improve the quality of Continuously finding ways to improve own and the teams 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 Conduct Testing across various IT platforms Prepares test cases for unit testing purposes. Review test cases as produced by other developers for unit testing purposes as required. Conducts unit testing and fix detected errors. Testing can be done on own work as well as on that of other colleagues in the team. Develops technical support documentation within agreed standards. Documents all work done as per standards, methods and tools used in the bank for application development. Review work done by developers to assure all work has been done as per standards, methods and tools used in the bank for application development Construct, interpret and execute end to end system and program tests to verify correct operation of completed systems. Ensure adherence to release methodology and technical change management procedures for all changes. Adhere to own or manage team's project timelines for new developments and agreed service level timelines for repairing defects. Drives Continuous improvement 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 Qualification: BSc Comp Science, B.Com Informatics degree or advanced degree Bachelor's degree in a field requiring strong analytical and quantitative skills such as Computer Science, Engineering, Mathematics, Information Systems or similar Experience: 5-7 Years Experience in Application Support - Broad experience in translating business and functional requirements into technical specifications and developing the programming code to create the solutions. System thinking to ensure that design of the physical solution is done with a cloud native perspective, yet consider the integration into the existing environment Product API and Interface API development and design Preferred Cloud Platform Skills: Any Open Shift, Azure, AWS Preferred Development Languages: Java, Java Springboot, GoLang. Candidates with language development will also be considered depending on the level of experience and the complexity of the systems maintained. Willing to explore with new technology, prototypes and pilots. Develop and promote best practices for implementation across the Payments Portfolio Drive strategic technology initiatives embedded with the other feature teams Knowledge/Technical Skills/Expertise Technical Skills Require IOS Objective C Swift Cloud (Azure and AWS) Chef Gitlab 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.

Job Details Retail & Business Banking Job Purpose To acquire new to bank franchisee businesses opportunities by actively promoting the franchise offering and identifying additional cross-sell opportunities in order to drive acquisition, book and client growth for PBB SA within an allocated province. To ensures a smooth transition of the franchisee to the relevant Relationship Manager's portfolio for the day-to day management once the client is onboarded. To manage key relationships with franchisees at provincial level. Key Responsibilities/Accountabilities Description or examples: Engages with provincial sales teams (i.e. Relationship Managers and/or Account Executives) with regards to any potential leads, expanding current client book and tracks pipeline and new to bank risk groups. Works with the sales teams regarding the successful execution of new to bank franchisee clients within the allocated geography. Imparts knowledge and advice where required to upskill sales teams on franchising opportunities. Reports on progress of the provincial franchising portfolio, including data integrity (e.g. franchising indicators, etc.). Provides guidance and advice on all franchising offerings in the province Engages with identified Franchisees as potential new to bank clients. Pursues these opportunities and brings these clients on board, where possible banks these clients holistically (with the support from relevant stakeholders). Engages via proactive calling programme with provincial representatives of franchisors e.g. business development or operations managers of targeted franchise brands. Represents the bank at tradeshows, panels, etc. where required. Makes recommendations for marketing initiatives where required (e.g. sponsorship of industry forums, client engagements and appreciation events, etc.). Preferred Qualification and Experience Degree Business Commerce 5-7 years - Experience Description: Deal making or sales experience within business or commercial banking. Experience in credit fundamentals and preparing credit papers. Understanding of the bank's products, processes and systems Knowledge/Technical Skills/Expertise Business Administration Skills Competency Description: The ability to coordinate multiple administrative activities to enable the efficient operations of a department. Product Knowledge Knowledge and understanding of the features, benefits and pricing of the products and services on offer to Business Banking customers. Customer Understanding The ability to analyse customer needs by engaging with them, analysing their business objectives and their financial position.

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 fulfil our business objectives and build customer loyalty. Job Purpose To focus on portfolio relationship management (e.g. CST, Private Banking Suites, Enterprise Direct and Branches): - To achieve agreed volumes, pricing, quality and objectives of VAF through effective servicing of CST, Private Banking Suites, Enterprise Direct and Branches, is. - To service CST, Private Banking Suites, Enterprise Direct and Branches through the use of effective sales management and the marketing of products to achieve agreed targets and driving growth for Personal and Business Banking. To execute vehicle and asset finance (VAF) sales opportunities within agreed / chosen segments and channels, in order to achieve the desired targets and build and manage effective relationships. Key Responsibilities/Accountabilities New business development Ensures that business potential is identified and developed, and gathers and submits information about competitor activity and market developments Attains new business targets in line with VAF's chosen segments and channels strategies and the agreed customer value propositions. Achieves targets in line with ROEs/agreed margins, by driving and securing quality business priced for risk. Proactively identifies and develops business potential. Gathers and submits information about competitor activity and market developments. Maximises bank profitability and ensures value add to customers through cross-selling, specifically focusing on non-funded income and acquisition opportunities. Acquires new business in line with the VAF Sales strategic objectives and tactical plan so as to achieve specific sales strategies. Prepares and manages a proactive calling programme to CST, Private Banking Suites, Enterprise Direct and Branches, with a view to increasing volumes of business written and the strengthening of relationships. Conducts ongoing and accurate territory analysis to identify business potential and ensure that this forms the basis of service and call programs. This is done on a regular and agreed basis with dealer, supplier and agent. Maximizes bank profitability and ensures value-add to CST, Private Banking Suites, Enterprise Direct, Branches and customers, through cross-selling, specifically focusing on non-funded income and acquisition opportunities. Measures, tracks and manages sales targets and budgets. Gathers and collates information about market conditions and competitor activity in order to fully understand marketing opportunities inform decision making. Develops a joint strategy with the Retail & Business Banking Network to maximise mutual retention opportunities through engagements with the OSS Retentions Team. Sales and service management Services and sells to existing and potential customers through the use of effective service and sales management and the marketing of VAF products. Grows new customer base by networking, cold calling and effective sales and service tactics. Drives VAF's insurance products, as well as maximises fees recovered on the portfolio, to the extent that profits are maximised and customers' needs are met. Where necessary, interacts with clients to obtain and analyse financial material, e.g. management accounts; debtors' lists; cash-flow budgets; in terms of agreed covenants. Assists with related queries, where possible, and facilitates when specialist advice is required. Ensures effective presentations and proposals to customers with the aim of growing the portfolio. Ensures successful retention of existing customers in the assigned portfolio by strengthening and expanding relationships. This is achieved by intimately understanding the customer's business requirements and servicing their financial needs with regards to asset financing. Tracks and manages sales targets and budgets. Mines (i.e. investigates and understands) customer's portfolio data to identify opportunities for additional facilities. Maintains ongoing knowledge of portfolio performance to ensure corrective actions can be taken early. Where necessary and in liaison with originator, prepares and motivates Business Application Committee (BAC) and SA Credit Committee (SACC) papers when applicable. Ensures effective use of the Customer1st lead generation system as a lead, query and complaint management tool. Provides customers with feedback on reclassification of Service Requests, outstanding documentation and telephonic resolution feedback according to customer relationship standards. Ensures that all leads are logged correctly in the presence of the customer and ensures cross selling opportunities are identified. Identifies and actions opportunities for cross- and up-sell. Identifies migration opportunities and sells products/services reactively Customer retention management Establishes and builds one-on-one relationships with Retail & Business Banking, based on mutual respect, in assigned portfolio by delivering the expected level of service, specifically focusing on a pro-active calling strategy and programme. • Ensures successful retention of existing customers in the assigned portfolio by strengthening and expanding relationships. This is achieved by actively monitoring the BAQ, ensuring timeous follow up on all approved applications and service delivery in line with both Retail & Business Banking and customer expectations. • Interacts with Retail & Business Banking to obtain and analyse market statistics with specific reference to agreed levels of penetration and business volumes. • Interacts and builds relationships with Consultant, VAF Sales Centre in order to provide a seamless solution to the client's asset finance requirements. To assist with related queries where possible. • Manages the “cost of sales” through evaluation of margins, cost of service and penetration into desired markets. • Facilitates builds and manages strategic alliances and partnerships within the network for business development and sales support purposes. Relationship and stakeholder management • Develops and maintains close business relationships with both internal and external customers and maintains a high standard and quality of business. • Establishes and builds one-on-one relationships with customers in the assigned portfolio by delivering the expected level of service, specifically focusing on a pro-active contact (calling) programme. • Ensures effective sales reporting to applicable stakeholders across the channels and segments. • Ensures effective presentation of proposals to credit committees at all levels, as necessary, to ensure the business and other stakeholders understand and are able to make a decision on key requirements. • Establishes a sound working relationship with Credit, to ensure prompt turnaround times, accuracy and adherence to deadlines. Risk and compliance • Complies with compliance with all relevant legislation: Financial Intelligence Centre Act (FICA) Financial Advisory and Intermediary Services Act (FAIS) Consumer Protection Act (CPA) National Credit Act (NCA) Company's Act Code of Banking Practice. • Adheres to procedures laid down in the Group Reference Guide (GRG) are adhered to and, where flexibility needs to be exercised, that the necessary dispensation is held. • Prepares accurate preparation and signing of facilities letters. • Meets the set administration standards and governance and compliance issues. • Ensures complete disclosure to clients in terms of accreditation, service fees and commission, in terms of Financial Advisory and Intermediary Services Act (FAIS) by actively engaging with the F&I staff to discuss requirements and adherence with Bank Policy. • Ensure proper record keeping in terms of Financial Advisory and Intermediary Services Act as well as the Financial Intelligence Centre Act requirements. Preferred Qualification and Experience Qualification Matric (with Accounting and/or Mathematics) A financial qualification is an advantage (diploma or degree) Drivers License Preferred: prior training in relationship sales and financial management Experience • 3 -5 years' work experience in a business related role preferably within banking or financial services / finance preferred. • 3-5 years' in a highly pressurised sales and/or relationship management environment. • Experience in a customer facing environment. Knowledge/Technical Skills/Expertise • Knowledge of banking and credit practices, principles, credit applications, securities and balance sheet requirements • Knowledge of current legislation, (e.g., Companies Act, Consumer Protection Act, Financial Advisory and Intermediary Services Act (FAIS) and the Financial Intelligence Centre Act (FICA). • Industry sector knowledge. • Knowledge of credit principles and practices, including an understanding of credit application, securities and balance sheet requirements • Knowledge of the various asset classes, industries and sectors to ensure informed decision making, effective applications and solutions provided

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 fulfil our business objectives and build customer loyalty. Job Purpose To achieve Commercial Asset Finance (CAF) sales performance objectives by implementing approved asset-based finance transactions to both new and existing customers for allocated portfolio within a province across segments and sectors. • To maintain post-sales relationships with customers whilst identifying further asset-based finance and retention opportunities in conjunction with the Relationship Managers. Key Responsibilities/Accountabilities Pre - Sales • Identifies and assesses new market opportunities for asset finance within the portfolio of existing RBB and Commercial Banking customers in conjunction with the Relationship teams (e.g., Business Managers, Relationship Managers, Account Executives). Provides SME support to the Relationship teams in the selling of asset-based finance to non-Standard Bank customers within the appropriate market segment. Actively refers sales leads to the Relationship teams. Assesses market opportunities with regards to external supplier, manufactures and alliance sales sources by remaining in touch with market forces and influences. Develops and maintains relationships with supplier, manufacturer and alliance partners with a view to gaining access to new customers that are currently not Standard Bank customers. Engages in regular dialogue with Relationship teams with respect to the bank's appetite for business with existing customers who continue to seek finance through suppliers, manufactures and alliance partners. Validates that customers who wish to finance an asset through the external market have no touch points with RBB. If a touch point exists, informs the Relationship team of the client's intention to finance certain assets prior to visiting the client's site. Sales and Sales Execution Conducts client site visits when receiving a potential lead from the Relationship teams or the Alliance marketer in the external environment. In the Joint Venture and Alliance environment, generates potentials sales from non-Standard Bank clients. This requires calling on and selling to clients that have no touch points with the bank through a cold calling or external lead process. Discusses the general outline of any required asset finance such as client's Capex Budget, the lending terms proposed (including pricing) with the relationship team for an existing RBB / Commercial Banking customer and the Business Analyst / Alliance partner within the external market and ensures that the expected returns for RBB / Commercial Banking over the asset's life are kept in mind. Generates sales through executing leads for existing RBB / Commercial Banking clients that have established credit lines within the internal environment. Offers appropriate solutions based on all available information to offer an informed asset finance solution. If required, obtains further information from the customer to ensure that the correct solution is offered - in conjunction with Catchment and Ecosystem stakeholders. Negotiates appropriate pricing margins for both the client and the bank from an ROI perspective. Focuses on value added products and services (VAPS) where cross sell is applicable to the asset that RBB / Commercial Banking is considering financing. For existing RBB / Commercial Banking customers, consults with the respective Relationship teams to determine whether RBB / Commercial Banking is interested in the potential transaction from a risk and exposure point of view even if the credit line is in place. When receiving or generating a sales lead for existing RBB / Commercial Banking customers or through an Alliance partner in the external market, ensures that the asset dealer is registered on the dealer/supplier database. For a repeat RBB / Commercial Banking customer looking to finance only an asset: prepares a product specialist report, and a motivational letter that includes product (asset) specific information such as lending terms, price and expected returns on the asset for bank and non-banked customer transactions and submits this to the Business Analyst. Submits the product specialist report and the motivation letter through to the respective Relationship teams in the internal market who will review the report and together with Credit make a portfolio decision on the risk appetite. Obtains all the necessary information in order to enable the Business Analyst to prepare the appropriate credit motivation - this includes any pre-credit work. Ensures the securities for the customer are up to date and that all documentation needed for RBB / Commercial Banking to finance an asset are acquired and presented in a manner that makes it easy for Credit to understand. In the external environment, a non RBB / Commercial Banking customer deal will be submitted to the relevant Business Analyst and together will decide on the appetite for and pricing of the deal. For a non RBB / Commercial Banking customer, a transactional decision in financing the asset may be taken without needing to consult with the Relationship team. However, once this initial transaction is banked, the customer relationship will be transferred through to a Relationship team in segment and any future deals will refer to the internal process. Customer Service Drives asset finance processing; from document collection through to obtaining signatures from relevant stakeholders. This will be in the form of signed pro-formas from the dealer that will be handed over to the client for signature and collection prior to the submission of the product specialist report. Waits for the Relationship team (internal market) or the Business Analyst (external market) to inform if the deal has been approved by Credit or not. If the deal has been declined, renegotiates the deal with the client. Any adjustment to the deal must be signed off by the Relationship team for an existing RBB / Commercial Banking customer and prior to resubmission by the Relationship team through to cCedit. Communicates approvals on facilities to the client immediately. Once facility letter has been received, obtains client and relationship manager signatures, negotiates the terms should the client and or relationship manager challenge the terms on the facility letter. Ensures accurate and timeous submission of documentation from stakeholders (e.g., customers, Dealers, etc.) to meet required turnaround times. Ensures that communication channels are kept open so that any additional documents that are required can be gathered as soon as possible as well as kept up to date with the contract preparation process. Collects prepared contracts and securities and if the documents are not in order, returns documents to sales support for correction. Presents the contract, insurance, original invoice and Natis documentation to the client for signature. If the client is not happy with the contract or the securities that have been generated, initiates renegotiations or terminates the contract if the benefit is no longer realised. Drives the dealer process to gain client's signature on the contract prior to the delivery of the asset. Ensures that all signed documentation is sent back to sales support for dealer pay-outs. Collects all documentation required to complete the pay-out process and all originals required for archiving as part of keeping client's records. After Sales service Existing customers o Maintains the CAF relationship for all new and existing customers. Provides high quality after sales care to all new and existing customers (including those with an assigned relationship manager). • Non-bank customers o Facilitates through a personal introduction, the transfer of all new CAF non-customer relationships emanating from supplier, manufacturer and JV alliance partners, to a relationship manager according to the segmentation model within 14 days of the transaction being paid out. o Supports the relationship manager in establishing a primary relationship with all new customers banked that emanate from supplier, manufacturer and JV/Alliance sources. Risk and Control • Delivers a transparent approach to risk by using open dialogue with customers on risk status and raises cautionary notices when appropriate. • Undertakes relevant training and research to develop industry / sector knowledge where appropriate. • Develops solutions which are both practical and appropriate for customers. • Completes, reviews, agrees and signs off product specialist reports and recommendations to Credit. • Accountable for the content of facility letters as well as for obtaining financial information produced by customer to enable the completion of a comprehensive pack by the Business Analyst in the external environment and the relationship manager in the internal environment. • Negotiates appropriate security requirements with customers, within mandate. • Adheres to all relevant policies and procedures and drives data integrity during all customer interactions. • Validates and confirms underlying assets to be financed. Client Service • Ensures that customers asset finance needs are correctly identified, and that an appropriate asset-based finance solution is offered. • Ensues that agreed sales and service deliverables between Standard Bank and its suppliers are met. Team Involvement and administration • Liaises with OSS and sales support to ensure consistent service quality and risk adherence. • Attends team meetings on a regular basis to maintain dialogue/sharing of information to ensure up to date knowledge of market place, business development activity/ initiatives, competitions and people issues, etc. Measures • Achievement of financial objectives • Increased market share • Increased penetration • Achievement of customer service measures (turnaround times, customer feedback) • Stakeholder feedback • Adherence to risk and compliance requirements Preferred Qualification and Experience Qualification First Degree Business Commerce FAIS Accredited & RE Experience 3 - 4 years Sales experience in Commercial Asset Finance. Experience in preparation of credit motivations. Experience in general banking. Understanding of balance sheets and interpreting financial statements. Must have completed FAIS RE 5 requirements. Knowledge/Technical Skills/Expertise 3 - 4 years Sales experience in Commercial Asset Finance. Experience in preparation of credit motivations. Experience in general banking. Understanding of balance sheets and interpreting financial statements. Must have completed FAIS RE 5 requirements.

Job Details Investment Banking provides clients with a range of advisory and financing solutions. Specialising in high-growth emerging markets, our expert advisers work on mergers and acquisitions, capital restructurings and empowerment deals, as well as arranging finance for acquisitions, client projects and property transactions. Job Purpose To grow the profitability of the Vehicle Asset Finance (VAF) portfolio for Corporate and Investment Banking;drive the wallet and market share growth of VAF and cross sell value adding solutions; and act as central point of contact between customer and internal stakeholders during the VAF sales process. Key Responsibilities/Accountabilities Sales (In consultation with the front sales team) : Mining i.e. investigating and understanding customer portfolio data to identify opportunities for additional facilities. Agree VAF sales targets for the Relationship managers in Commercial, Business Bankers and Private Bankers as per agreed business segment. Analyse competitor trends, pricing, etc. to optimise opportunities for new business and to follow up business which might be lost to another bank. Nurture relationships with dealerships to optimise sales opportunities as well as customers. Responsible for the management of the VAF pipeline and ensuring growth in the business segment. Provide the business unit team with deal execution schedules and manage drawdown processes. Client Experience and Efficiency: Attend to customer enquiries relative to asset finance Performing a liaison role between the customer, and all other internal support divisions of the Bank. Educating clients regarding the parameters and routine procedures governing the business Unit operations. Performs a proactive liaison role, at appropriate levels, between relevant stakeholders (e.g., Credit, Operational Shared Services, product specialists and other relevant business partners), to ensure customer service expectations are fully met. Responsible for ensuring that provisions are raised only in appropriate circumstances for customers in the portfolio. Compliance (doing the right Business the right way): Compliance with general Banking and Credit Policies and Procedures. Remain up to date with and adhere to company policy changes. Continually keep abreast of competitor and other changes within the banking environment. Keep abreast of trends in the asset finance field. Preferred Qualification and Experience Bachelor of Business Administration or related filed from a recognised university. Atleast 2 years experience in portfolio relationship management experience as a Business Manager and/or Relationship Manager managing a portfolio. Understanding of the Banks risk culture, Operational risk processes and governance forums. Change management, focusing on new ways of work, challenging existing thinking and finding more effective ways of operating whilst bringing focus on our clients. Knowledge/Technical Skills/Expertise The ability to analyse customer needs by engaging with them, analysing their business objectives and their financial position. Knowledge and understanding of the process and thinking required to formulate objectives and priorities, and implement plans consistent with the long-term interests of the organisation in a global environment. The ability to identify and capitalise on opportunities and manage risks. Knowledge and understanding of costing, budgeting and finance concepts and the understanding and application of related processes and procedures. An in-depth, experiential understanding of more advanced analyses and the way in which financial ratios, trends, business and value drivers interact. The ability to analyse business financial performance as well as competitor and external factors as it would apply to the Commercial Banking segment in the organisation. Knowledge and understanding of the features, benefits and pricing of the products and services on offer to Commercial Banking customers.

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 develop and maintain campaign models in line with business requirements, fit for purpose and ensure that they perform at optimal levels. Key Responsibilities/Accountabilities Development and improvement of campaign models Develops new models (e.g., propensity, churn, micro segmentation, contact-ability, response, etc.) for campaign analytics that deliver value and/or improve on prior model. Builds models that are fit for purpose and operate within performance metrics. Explores and leverages new model development techniques and tools to challenge current status quo (e.g., Random Forests, CHAID, CART, etc.). Optimises future model performance (take up rate, environmental climate, business strategy, model drifts, etc.) against business strategy and actual model performance. Explores and leverages new data sources that allow deeper customer understanding and increase model lift and performance. Investigates and experiments with multiple datasets and business problems to find new solutions to business problems. Coaches and upskills the Senior Analysts on campaign model development principles. Model Quality Builds in sufficient error handling processes when putting models into production. Ensures the model automation process is well measured to identify bottle necks and possible issues. Builds code for model production in order to minimise runtime (e.g., models that execute in real time, where system allows for it). Stores and maintains model outputs for measurements and reporting. Stores all monthly runs with adequate history to measure model performance over time. Sufficiently tests and runs models in parallel prior to final deployment. Minimises any manual interventions and hand-offs in the production process. Deliver in a fashion that allows for structured and well governed environment with minimal failures. Ensures results from all model runs (inputs and outputs) are stored in structured chronological datasets. Runs all models at month end or respective frequency until they can be put into production. Preferred Qualification and Experience Mathematical Sciences Honours Degree Honours degree (with majors in Statistics / Applied Mathematics / Econometrics / Actuarial Sciences / Artificial Intelligence) M.Sc. in Statistics / Applied Mathematics / Econometrics / Actuarial Sciences / Artificial Intelligence 5-7 Years Experience in advanced analytics, combined with sufficient knowledge of products and customer behaviour in a financial services environment. Significant exposure to propensity, attrition, CRM and leads management, next-best action and segmentation models, as well as behavioural analysis. Knowledge/Technical Skills/Expertise Analysing Solutions Articulating Information Pursuing Goals Developing Practical Approaches Tackling Business Challenges Leading People Empowering Individuals Scientific Reasoning (ScR) Statistical Inference and Artificial Intelligence (SI&AI) Competency Label: Business Administration Skills Team work and Stakeholder influence and management Customer and Client Focused Innovation Inspiring Performance for Execution Driving Delivery of Results Seeking Deeper Understanding

Job Details Retail & Business Banking Job Purpose To manage day to day activities of the Acquisition team in order to deliver against defined operational plans to achieve sales and revenue targets. Builds and develops resources and environments to enable the team to achieve its desired vision. Responsible for the facilitation of the team's outcome by removing obstacles. To maximise the opportunities to move market share by segment, where applicable, and to focus on customer attraction and retention in line with the Direct CST objectives. Key Responsibilities/Accountabilities Customer service Monitors and analyses Customer Experience Measurements (CEM) results to identify strengths and weaknesses. Ensures that queries and problems are within laid-down time frames. Ensures that all letters to customers, applications for facilities, security documents, etc are completed accurately and timeously. Ensures where applicable that customers are encouraged to make use of self-service channels. Ensures that customers are provided with an efficient and effective service. Resolves customer complaints referred by subordinates to the satisfaction of both the customer and the Bank. Ensures that there is a sufficient number of staff in place to meet the fluctuating demands of customers by effectively interpreting. Implements and sustains on-boarding process. Acts as an Electronic Content Management (ECM) Champion by: Accessing the ECM box on a daily basis to ensure that the ECM inbox does not have any documents from the previous day Ensuring that the relevant staff member indexes ECM documents within the required timeframes by following the necessary escalation process Compliance and risk management Ensures that all routine controls relative to the service area are applied effectively to ensure risks are minimised. Ensures compliance with agreed levels of authority and levels of access to systems and info, all applicable laws and regulations and Group policies and procedures. Monitors and controls risks and recommends revision of controls where appropriate. Maintains a culture within the sales team that emphasises and demonstrates the importance of internal controls to all staff. Ensures that all preventative measures are utilised to avoid fraudulent transactions. Administrates and co-ordinates relevant fraud investigations and losses Ensures staff awareness regarding fraud. Provides detailed information to Risk Assurance when a special investigation arises. Provide detailed information pertaining to losses to the FRLM (Fraud Risk and Loss Management, now known as Financial Crime Control) or IPC (Integrated Processing Centre). Reports losses for the relevant customer service area and according to laid-down procedures. Collates information pertaining to claims by customers and losses incurred and forwards to relevant departments Maintains information on Security and access control system (SACS) for the relevant branch as per laid down procedure. (If applicable) Ensures the scrutiny and actioning of the following reports according to laid-down procedures as per the relevant group reference guide: Multi-channel utilisation and servicing to sell Manages cost of sales” through the utilisation of multi-channel delivery strategies. Identifies cross-selling and migration opportunities and sells products/services pro-actively. Completes sales and leads generation tracking forms on a daily basis. Ensures that targets and budgets are met. Participates in tactical sales/marketing activities as required. Identifies and actions opportunities for cross- and up-sell. Identifies migration opportunities and sells products/services reactively. 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 System Access Administration Assigns users to the organisation structure. Adds/removes user access. Re-sets passwords. Logs Team Track requests for all hardware and telephony related problems. Loads users to the Multi-Function Device (MFD) system People management 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. Ensure that all the Risk and Compliance training is completed within the laid down timeliness. 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 of 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 Measurements Performance gaps identified, and remedial action plans implemented. Proactive management of sales opportunities to new and existing customers across the different channels implemented. Increases profitability due to opportunity management and meeting of revenue targets within the team. Optimises distribution channels Retention of satisfied, well-informed customers as measured by Customer Evaluation (NPS) Improve activation rate and reduce dormancy Up sell and cross sell targets adhered to Leads followed up quickly and converted into actual sales Number of reworks (Credit Applications) /Declined applications / slow approval rate / TAT on all product applications. Bad Debt ratios and measures Watch List management and proper reporting/monitoring 100% KYC'ed clients within Direct CST. Consumer education. Revenue optimization Efficiency within Direct CST Staff engagement feedback results 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 Preferred Qualification and Experience Fais recognised qualification Business related qualification or equivalent 5-7 years branch banking experience with leadership experience Knowledge/Technical Skills/Expertise Financial Accounting Financial Acumen Financial Management Planning Managerial Budgeting Customer and Client Focused Innovation Driving Delivery of Results

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 grow Ecosystem revenues by the agreed metrics. To develop initiatives to foster collaboration among various teams and drive a cross selling culture across the suite's area of influence to maximise Commercial Banking growth, retention and profitability targets for the Bank with specific focus in the Agriculture Sector. Key Responsibilities/Accountabilities Client strategic plan development and execution Leads the execution of Commercial Banking strategy plans with regards to ecosystems (in partnership with segment and Agric sector heads) and drives the operationalisation and implementation of ecosystems. Researches and analyses the local market to understand key Agriculture business drivers, influencers and competitor activity in order to use as input into ecosystem operational plans. Identifies strengths and weaknesses in the Commercial Banking segment to ensure that suitable tactics are implemented to address concerns and maximise strengths through ecosystems. Manages opportunities by ensuring that adequate joint ventures”, synergies and relationships are built with CIB, Wealth, Segment heads in PBB to create efficiencies in Commercial Banking. Works with the MI team to develop, implement and manage measurement systems to ensure an efficient and accurate MIS structure that enables insights for developing ecosystem strategies and plans. Tracks the achievement of Agric sector financial targets through ecosystems and reports on indicators such as, revenue, ROEs and shares a monthly report with the segment heads. Gives direction to the Commercial Banking teams regarding financial budgets and forecasts in line with strategic objectives, business and operational risk, socio-political and economic market forces. Drives ecosystems sales targets by tracking, measuring and managing performance. Develops and implements sales and marketing best practices in support of the customer value proposition and customer expectations. Co-ordinates sales calls for identified ecosystem opportunities in the CIB / Commercial Banking and Retail Banking and Wealth space to generate sales leads for the wider network. Provides adequate support for the successful acquisition of generated sales leads to deepen the ecosystem score for CIB and Commercial Banking clients and the Wealth Group. Manages the operational risk for ecosystems within the regulatory and compliance framework of the Bank. Development of a strategic growth and execution plan Develops an ecosystem operational plan in alignment with CVPs in various segments (i.e. Commercial Banking, Retail Banking, CIB and Wealth) for execution through the Commercial Banking segment. Defines, articulates, tracks and reports on success measures for the Commercial Banking ecosystem strategy and presents at relevant management forums. Drives and manages the relevant ecosystems forums and provides input into portfolio reports on excess management, revenue and net profit growth relevant to ecosystems on a monthly basis. Works with the MI team to develop measures specific to tracking ecosystems activities and penetration and conducts research in order to provide inputs and insights into ecosystem strategy and execution plans. Customer experience Acts as the custodian for optimal ecosystem service delivery within the Suite and facilitates the administration and analysis of the client service surveys, as well as the implementation of focused action plans needed to address the gaps identified in ecosystems across various segments. Supports the Commercial Banking team to resolve escalated customer complaints as it relates to ecosystems. Monitors and manages (in collaboration with key business partners) SLAs (service level agreements), standards and turnaround times for ecosystems in line with customer value proposition and retention requirements. Performs a proactive champion role within the Suite, with relevant stakeholders, to ensure that the customer experience levels are maintained (e.g. facilitating resolution of ecosystem queries and /challenges). Liaises with relevant stakeholders to analyse, identify and address performance challenges and service gaps. Risk management and compliance Collaborates with internal stakeholders to ensure that the Suite is compliant to all applicable regulatory requirements Facilitates a working partnership between Credit, the business units and Branches to stimulate business growth without compromising risk and the quality of lending. Conducts regular discussions with Credit to ensure process efficiency and quick turnaround for ecosystems clients. Measures Increased ecosystems sales Ecosystem MI measures developed Feedback from ecosystem forums Successful implementation of the ecosystems strategy by line manager and relevant stakeholders Preferred Qualification and Experience Degree in Commerce or Finance & Accounting 5-7 Years general banking and relationship management experience. Experience within the Commercial Banking, Value Chain or Transaction Banking within the broader commercial Agriculture business. Knowledge/Technical Skills/Expertise Developing Practical Approaches Developing Relationships Making Decisions Leading People Empowering Individuals Team Working Embracing Change Resolving Conflict

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 an experienced Mainframe CICS, Technical Specialist to join our Infrastructure & Operations IT team at our Johannesburg offices. Standard Bank is a leading African banking group focused on emerging markets globally. It has been a mainstay of South Africa's financial system for more than 150 years, and now spans 17 countries across the African continent. Job Purpose To be the technical Subject Matter Expert (SME) in your technical domain by providing solutions and advice to business across multiple complex problem sets, working with vendors to improve IT technical domain solutions as well as providing support to junior staff. Key Responsibilities/Accountabilities Perform deploy and operate work that pertains to CICS system programming and administration. The installation, maintenance and performance management of the CICS system software and related vendor products Support application teams Support other infrastructure teams i.e. (z/OS, DB2, MQ, ADABAS) Provide guidance as required to the architecture and design teams. Perform deployment work for projects on demand and in accordance with project schedules. With respect to CICS Applications - Deploy fixes/PTF's, refreshes, and upgrades in accordance with related deployment and release schedules. Define CICS resources to the CICS environment Ensure systems perform optimally by monitoring performance and make recommendations to the capacity management team. Perform DR exercises as directed by the BCM regime. Resolve incidents and problems and escalate 3rd level support requirements to 3rd party support contractor(s) and coordinate support provision. Service restore shall satisfy service level agreements. Maintain run books for CICS operations utilising deployment- and maintenance guides directives originating from Products & Services. Interact with Products & Services/Architecture to optimise and maintain CICS infrastructure and operations service levels at a level that fully endorse GTI's service level agreements with its customers. Support Operational Controls processes (Audits, Risk and DR& BCM governance, business processes improvements, performance management, and finance and business management), supply requested information and implement corrective actions as applicable. Perform standby and call out duties as required Preferred Qualification and Experience Qualification : - Degree in IT & Computer Sciences Experience : - 7-10 years CICS system and application programming skills and experience - 7-10 years good understanding of VSAM, DB2, MQ Series and z/OS - Good understanding of the latest available Mainframe IT Infrastructure. Knowledge/Technical Skills/Expertise Capacity Management - Application Knowledge for Support - Database Administration - Debugging - Change Management - Technology Orientation - Infrastructure/Platforms - IT Systems

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 an experienced Solution Architect to join our Infrastructure & Ops IT team at our Johannesburg offices. Standard Bank is a leading African banking group focused on emerging markets globally. It has been a mainstay of South Africa's financial system for more than 150 years, and now spans 17 countries across the African continent. Job Purpose To develop and maintain the solution architecture and in some instances design for specific business functional/technical areas as well as to be actively involved for the full duration of the programme to ensure implementation on the evolving solution of an application. To participate in the definition of the higher-level functional and Non-functional Requirements, analyse technical trade-offs, determine the major components and subsystems, and define the interfaces and collaborations between them. To ensure the strategic alignment of IT architecture (functional, application, data and integration architecture) with the agreed business outcomes. Key Responsibilities/Accountabilities Render daily support aligned with a model of Continuous Delivery, promoting a Dev Ops culture - Develop and Contribute to Reference Architectures - Develop and Contribute Domain/Segment Architectures - Develop Solution Architectures/Designs - Contribute and define architectural guardrails for cloud - Deliver Architectural Assessments of technology solutions and or Proof of Concepts - Ensure Architecture Collaboration and Review - Provide Solution and Specialist Consulting - Monitor Requests for Information and Proposals (RFI/ RFP) - Adhere to Agile methodologies and follows Agile principles through work outputs and behaviours Preferred Qualification and Experience Qualifications : - Bachelor's Degree - Information Technology, Engineering, Commerce - Relevant Architecture Certification Experience : - 5 - 7 Years experience in multiple IT disciplines e.g. Dev Hardware, analysis, design, service management, architecture - 5-7 Years experience across all application areas of IT Knowledge/Technical Skills/Expertise Benefits Management - Emerging technology monitoring - IT Application - IT Architecture - Development - Solution Assessment

Job Details Fiduciary Services Job Purpose To support the Manager: STL Risk to plan, design, implement and monitor an overall first line of defense” business risk management process for Standard Trust Limited, through risk assessments which involves analyzing risks as well as identifying, describing and minimizing the various Regulatory, Legal and Operational Risks impacting on Standard Trust Limited and conducting reviews of processes, policies and compliance to set acceptable standards. The primary purpose of the role is to ensure that STL complies with the FAIS, FICAA, TCF, COI, PoPI, RDR, Administration of Estates Act, Firearms Act, Trust Property Act, Wills Act, Pensions Fund Act and other related acts and regulatory requirements and to identify and minimize the Regulatory, Legal, Operational and Fiduciary Risks. Key Responsibilities/Accountabilities 1. Regulatory 1.1 Financial Intelligence Centre Amendment Act (FICAA) 1.1.1 Anti- Money Laundering (AML) & Enhanced Due Diligence (EDD) Monitor to ensure that the Standard Trust Limited (STL) process has been documented on STL SharePoint Engage Corporate Functions (e.g. Operational Risk, GFCC, Compliance etc.) to ensure that the processes are adequate to ensure a speedy resolution of matters raised Assist STL with the implementation of CDD minimum compliance standards Conduct routine checks of client files with regards to CDD documents and mandates Build relationships with key stakeholders at various Offices for all CDD referrals, to ensure a speedy resolution Assist STL to achieve and maintain 100% CDD compliance level Ensure accurate daily submission of Cash Threshold Reporting (CTR) reports Ensure accurate daily submission of International Funds Transfer Reporting (IFTR) reports Attend to any GFCC escalations on behalf of business Support business in raising the level of AML awareness with all staff in the business through direct contact awareness, circulars and facilitate training activities Communicate AML awareness to the business and provide guidance with regards to the screening of client transactions Review all large financial transactions (source of funds) and follow up on any outstanding queries Conduct inspections of new and existing client files to ensure that the required documentation has been completed based on the clients' risk rating. Scrutinize risk ratings to ensure correctness Ensure CDD documents are held on file Should there be suspicion of transaction, ensure that the STR reporting process is followed through. Be the Liaison and accountable party with Group Internal Audit and other regulatory/quality assurance teams in ensuring that Business has a satisfactory outcome Be the Liaison with other assurance providers including Financial Services Monitoring (FSM) Liaise with BCO and Operational Risk in respect of compliance and risk issues affecting Financial Planning 1.1.2 Cash Threshold Reporting (CTR) Act as the Money Laundering Reporting Officer for STL Report all CTR accurately to the FIC timeously Monitor all CTR daily (business days) Engage stakeholders to ascertain ways to automate CTR reporting 1.1.3 International Funds Transfer Reporting (IFTR) Act as the IFTR Reporting Officer for STL Report all IFTR accurately to the FIC timeously Monitor all IFTR daily (business days) Engage stakeholders to ascertain ways to automate IFTR reporting 1.1.4 Enhanced Due Diligence (EDD) Monitor to ensure that the STL process has been documented on STL SharePoint/GRG Assist with the implementation of EDD controls within the business Engage Corporate Functions (e.g. Operational Risk, Group GFCC, Compliance etc.) to ensure that the processes are adequate Drive the annual EDD review process and ensure business meets the required deadline Conduct routine review of client files to ensure that the required documentation has been completed based on the clients' risk rating Control and maintain a central risk classification list for all STL clients Control and maintain a central list of all clients for Standard Trust classified as Prominent Influential Persons (PIP) Monitor the STL teams to ensure that the Periodic views are conducted timeously i.e. High Risk - annually; Medium Risk - every two years and for Low Risk client every three years. Ensure that the related parties are included Collate and submit the EDD check lists for all high-risk clients on behalf of business to the central EDD team Liaise with the relevant stakeholders to ensure a speedy resolution of matters raised 1.1.5 Client Risk Classification Monitor to ensure that the STL process has been documented on STL SharePoint Build relationships with key stakeholders to ensure that business has the latest risk classification standards (GOSS, PBB etc.) Conduct regular reviews of the process to ensure that business is aware and applies the latest process when doing client risk classifications Review the risk classification list with STL team to ensure that the risk classification applied to the client is still appropriate Drive the awareness of PIP classification with the teams 2. Risk and Compliance Support Proactively identifies Operational risk and Compliance issues within the relevant segments i.e. Trust, Wills, Estates, Beneficiary Care and other divisions when required, Puts action plans in place to remediate Risk and Compliance audit findings Attend all relevant risk committees 3. Governance 3.1 Risk and Governance Committee (RGC) Ensure there is quorum for the committee meetings Update the mandate/TOR for the committee's Collate the reports received Draft the minutes and action items & collate responses received Circulate committee reporting pack for consideration at the monthly committee meetings 4. Operational Risk Liaise with Finance and Operational Risk teams to ensure that ARM 5 and SAP are in sync and appropriate record keeping is done Monitor to ensure that the Standard Trust process is documented on ST SharePoint Monitor and control all Operational Losses and Goodwill payments across the business Monitor and ensure that the correct levels and limits assigned to individuals for approval / authorization and sign-off, are adhered to at all times Ensure that effective record keeping is maintained Work together with the Business Unit Heads, to ensure corrective measures are implemented to avoid any re-occurrences Review the KRI report with Head of Risk or BCU Manager for STL and flag any concerns with Head of STL, BCU Manager and Business Unit Head 5. Training and Policies Ensure that all STL staff completes the required regulatory training, compliance and product training. Support and provide guidance to STL staff Monitor to ensure that all Standard Trust staff members complete the required regulatory training, compliance training, gifts and gratification policy, FAIS and FICAA training within the stipulated timelines. Ensure all staff complete the required declarations (for example Gift and Gratification Policy; PA Trading Policy, Outside Business Interest Policy and Insider Trading Awareness Policy) within the required timelines On a weekly/bi-monthly basis review the training statistics and liaise with the relevant stakeholders to resolve any discrepancies Liaise with Head of Operations for Occupational Health and Safety (OHS) for Standard Trust Ensure that OHS has been implemented across all Standard Trust Business Units (i.e. Within BCU STL's mandate) according to the laid down process Undertake regional visits in line with the plan or as may be required from time to time. Visit branches quarterly to conduct quality checks, validation and training. Ensure reports with “findings” are documented and recommendations are included 6 . Monitoring Plan and ensure execution on the business monitoring obligation in a consistent and aligned manner at the level of highest quality. Monitor to ensure that all up to date policies are documented for Standard Trust on STL SharePoint Monitors (on an on-going basis) in conjunction with collaborative assurance monitoring plan, the adherence to the STL processes and procedures/standards in order to identify further areas of improvement and detect non-adherence and exposures. Partner and advise the Business Units on the resolution of audit/monitoring issues. Establish a line of communication to the Business Units Heads, in order to escalate non-compliance or monitor compliance with documented standards/requirements/procedures. Utilizes established mechanisms for reporting and resolving non-adherence with laid down procedures/requirements. Preferred Qualification and Experience NQF 5, Academy of Financial Markets or similar. Bachelor degree, National diploma in Commerce or CAIB recommended. Minimum 3 years' experience Knowledge/Technical Skills/Expertise Thorough understanding of the FAIS, FICAA, Administration of Estates Act, Firearms Act, Trust Property Act, Wills Act, Pensions Fund Act as well as other related Acts. In depth knowledge of the 6 step Financial Planning process. Proper understanding of the Internal Compliance requirements within SBSA.

Job Details Fiduciary Services Job Purpose Reporting to Manager: STL Risk and will be responsible for assisting in the build out and continued maturity of the overall first line of defence” business risk management process for Standard Trust Limited, through risk assessments which involves analyzing risks as well as identifying, describing and minimizing the various Fiduciary, Regulatory, Legal and Operational Risks impacting on Standard Trust Limited and conducting reviews of processes, policies and compliance to set acceptable standards. The primary purpose of the role is to ensure that STL complies with the FAIS, FICAA, TCF, COI, PoPI, RDR, Administration of Estates Act, Firearms Act, Trust Property Act, Wills Act, Pensions Fund Act and other related acts and regulatory requirements and to identify and minimize the Regulatory, Legal, Operational and Fiduciary Risks. Key Responsibilities/Accountabilities 1. Regulatory 1.1 Financial Intelligence Centre Amendment Act (FICAA) 1.1.1 Anti- Money Laundering (AML) & Enhanced Due Diligence (EDD) • Monitor to ensure that the Standard Trust Limited (STL) process has been documented on STL SharePoint Engage Corporate Functions (e.g. Operational Risk, GFCC, Compliance etc.) to ensure that the processes are adequate to ensure a speedy resolution of matters raised Assist STL with the implementation of CDD minimum compliance standards Conduct routine checks of client files with regards to CDD documents and mandates Build relationships with key stakeholders at various Offices for all CDD referrals, to ensure a speedy resolution Assist STL to achieve and maintain 100% CDD compliance level Ensure accurate daily submission of Cash Threshold Reporting (CTR) reports Ensure accurate daily submission of International Funds Transfer Reporting (IFTR) reports • Attend to any GFCC escalations on behalf of business Support business in raising the level of AML awareness with all staff in the business through direct contact awareness, circulars and facilitate training activities Communicate AML awareness to the business and provide guidance with regards to the screening of client transactions Review all large financial transactions (source of funds) and follow up on any outstanding queries Conduct inspections of new and existing client files to ensure that the required documentation has been completed based on the clients' risk rating. Scrutinize risk ratings to ensure correctness Ensure CDD documents are held on file Should there be suspicion of transaction, ensure that the STR reporting process is followed through. Be the Liaison and accountable party with Group Internal Audit and other regulatory/quality assurance teams in ensuring that Business has a satisfactory outcome Be the Liaison with other assurance providers including Financial Services Monitoring (FSM) Liaise with BCO and Operational Risk in respect of compliance and risk issues affecting Financial Planning 1.1.2 Cash Threshold Reporting (CTR) Act as the Money Laundering Reporting Officer for STL Report all CTR accurately to the FIC timeously Monitor all CTR daily (business days) Engage stakeholders to ascertain ways to automate CTR reporting 1.1.3 International Funds Transfer Reporting (IFTR) Act as the IFTR Reporting Officer for STL Report all IFTR accurately to the FIC timeously Monitor all IFTR daily (business days) Engage stakeholders to ascertain ways to automate IFTR reporting 1.1.4 Enhanced Due Diligence (EDD) Monitor to ensure that the STL process has been documented on STL SharePoint/GRG Assist with the implementation of EDD controls within the business Engage Corporate Functions (e.g. Operational Risk, Group GFCC, Compliance etc.) to ensure that the processes are adequate Drive the annual EDD review process and ensure business meets the required deadline Conduct routine review of client files to ensure that the required documentation has been completed based on the clients' risk rating Control and maintain a central risk classification list for all STL clients • Control and maintain a central list of all clients for Standard Trust classified as Prominent Influential Persons (PIP) • Monitor the STL teams to ensure that the Periodic views are conducted timeously i.e. High Risk - annually; Medium Risk - every two years and for Low Risk client every three years. • Ensure that the related parties are included • Collate and submit the EDD check lists for all high-risk clients on behalf of business to the central EDD team • Liaise with the relevant stakeholders to ensure a speedy resolution of matters raised 1.1.5 Client Risk Classification • Monitor to ensure that the STL process has been documented on STL SharePoint • Build relationships with key stakeholders to ensure that business has the latest risk classification standards (GOSS, PBB etc.) • Conduct regular reviews of the process to ensure that business is aware and applies the latest process when doing client risk classifications • Review the risk classification list with STL team to ensure that the risk classification applied to the client is still appropriate • Drive the awareness of PIP classification with the teams 2. Risk and Compliance Support • Proactively identifies Operational risk and Compliance issues within the relevant segments i.e. Trust, Wills, Estates, Beneficiary Care and other divisions when required, • Puts action plans in place to remediate Risk and Compliance audit findings • Attend all relevant risk committees 3. Governance 3.1 Risk and Governance Committee (RGC) • Ensure there is quorum for the committee meetings • Update the mandate/TOR for the committee's • Collate the reports received • Draft the minutes and action items & collate responses received • Circulate committee reporting pack for consideration at the monthly committee meetings 4. Operational Risk • Liaise with Finance and Operational Risk teams to ensure that ARM 5 and SAP are in sync and appropriate record keeping is done • Monitor to ensure that the Standard Trust process is documented on ST SharePoint • Monitor and control all Operational Losses and Goodwill payments across the business • Monitor and ensure that the correct levels and limits assigned to individuals for approval / authorization and sign-off, are adhered to at all times • Ensure that effective record keeping is maintained • Work together with the Business Unit Heads, to ensure corrective measures are implemented to avoid any re-occurrences • Review the KRI report with Head of Risk or BCU Manager for STL and flag any concerns with Head of STL, BCU Manager and Business Unit Head 5. Training and Policies • Ensure that all STL staff completes the required regulatory training, compliance and product training. • Support and provide guidance to STL staff • Monitor to ensure that all Standard Trust staff members complete the required regulatory training, compliance training, gifts and gratification policy, FAIS and FICAA training within the stipulated timelines. Ensure all staff complete the required declarations (for example Gift and Gratification Policy; PA Trading Policy, Outside Business Interest Policy and Insider Trading Awareness Policy) within the required timelines • On a weekly/bi-monthly basis review the training statistics and liaise with the relevant stakeholders to resolve any discrepancies • Liaise with Head of Operations for Occupational Health and Safety (OHS) for Standard Trust • Ensure that OHS has been implemented across all Standard Trust Business Units (i.e. Within BCU STL's mandate) according to the laid down process • Undertake regional visits in line with the plan or as may be required from time to time. • Visit branches quarterly to conduct quality checks, validation and training. Ensure reports with “findings” are documented and recommendations are included 6. Monitoring • Plan and ensure execution on the business monitoring obligation in a consistent and aligned manner at the level of highest quality. • Monitor to ensure that all up to date policies are documented for Standard Trust on STL SharePoint • Monitors (on an on-going basis) in conjunction with collaborative assurance monitoring plan, the adherence to the STL processes and procedures/standards in order to identify further areas of improvement and detect non-adherence and exposures. • Partner and advise the Business Units on the resolution of audit/monitoring issues. • Establish a line of communication to the Business Units Heads, in order to escalate non-compliance or monitor compliance with documented standards/requirements/procedures. • Utilizes established mechanisms for reporting and resolving non-adherence with laid down procedures/requirements. Key Performance Measures 60% Risk Review Activities • Accountable for ensuring that business achieves a Satisfactory (Good) Internal Audit and Compliance rating • Responsible for ensuring that all Standard Trust Regulatory, Operational and Risk processes are documented by the applicable Business Unit on STL's SharePoint/GRG and reviewed annually • Responsible for ensuring that business is not operating in isolation of existing PBB policies and procedures • Implement strong governance and control cultures to mitigate the risks associated with the STL business offering • Ensure that STL business is compliant on all aspects of FICAA, AML, CDD, EDD, TCF, COI, PoPI, RDR, Complaints management, Administration of Estates Act, Firearms Act, Trust Property Act, Wills Act, Pensions Fund Act and other regulatory factors • Maintain a 100 % CDD compliance rating for STL • Ensure that no accounts are Frozen for STL business. If there are, there's valid reasons therefore • Ensure that client risk classifications are aligned to the STL EDD risk classification • Ensure that business units are engaged regarding rejected EDD checklists and monitor to finality • Raise ongoing awareness of AML within the business and ensure that correct reporting of suspicious transactions is implemented • Conduct Regional Office visits quarterly to ensure that business is adhering and implementing end to end processes • BCU to have a set focused plan of action when doing Regional office visits • Ensure that validation of all critical client information is being undertaken by STL Coverage • Communicate and create awareness of staff embargoed periods • Ensure that all payments are executed within stipulated mandates and in line with STL process • Ensure that correct levels of sign off for Gift Gratifications are in place for the business • Ensure that quarterly checks are undertaken of the Gift and Entertainment register • Ensure that there are no Operational Losses incurred due to non-compliance with processes and procedures • Ensure that all Mandates are completed and signed off according to documented STL processes • Monitor and ensure that all regulatory documents have been electronically scanned • Accountable for ensuring that the correct Asset Custodianship process is in place at all STL Offices • BCU to have a set focused plan of action when doing Regional office visits • Provide documented feedback in a report to the Head: STL Risk, BCU Manager and Business Unit Heads of findings and recommendations • Ensure Complaints Management is documented and implemented in business. Engage the business unit heads to ensure management of complaints and timeous action and resolution. 25% Proactive Engagement with Stakeholders • Pro-actively engage with relevant stakeholders within the Standard Trust business and at Head Office to ensure speedy resolution of any matters escalated on behalf of the Standard Trust business • Represent business and provide input at forums that may have an impact on the Standard Trust business • Share best practices with the business through research and consultation with individuals within the group • Work closely with Head of Risk, BCU Manager and Compliance for Standard Trust to identify risks and implement standards to eliminate and minimize risk to the business 10% Training Communication Awareness • Ensure that the correct level of training is undertaken by the correct staff for their roles • Check the training list on a weekly/bi monthly basis to ensure that the relevant training is completed by each employee in STL within the stipulated timeframe • Raise awareness of all non-compliance with STL Head of Risk and BCU Manager • Together with STL Compliance teams (GFCC, Compliance etc.) ensure that face-to face training and awareness sessions are conducted quarterly 5% Keep abreast of all regulatory changes • Personal up-skilling on all regulatory policies, acts and procedures within the role • Keep business informed and highlight any changes on legislative updates that may have a direct impact on STL • Implement changes required for STL Preferred Qualification and Experience • NQF 5, Academy of Financial Markets or similar. • Bachelor degree, National diploma in Commerce or CAIB recommended. Min 3 years experience Knowledge/Technical Skills/Expertise • Thorough understanding of the FAIS, FICAA, Administration of Estates Act, Firearms Act, Trust Property Act, Wills Act, Pensions Fund Act as well as other related Acts. • In depth knowledge of the 6 step Financial Planning process. • Proper understanding of the Internal Compliance requirements within SBSA.

Job Details Fiduciary Services Job Purpose To assist in the day-to-day administration of various sections of trusts and agencies in terms of laid down procedures and to maintain effective communication between the Relationship Manager/Officers and the Trust Processing Clerks. This will include the handling of/filtering of telephonic queries from beneficiaries and co- trustees in order to ensure that the relationship officers do not have to deal with all incoming queries. Key Responsibilities/Accountabilities Trusts Attend to all ad-hoc payments, journals & investments at request of relationship manager/officers in terms of procedural guidelines communicated from time to time ensuring proper AIMS codes are allocated. Printing and actioning of reminder payments-while adhering strictly to published procedures for capturing and processing payments both reminder and ad hoc, thereby ensuring that all payments are effected on time. Attend to the setting up of new Trusts (open the relevant files; register the matter with SARS; check the validity of the information on the guide sheet and diaries). Loading of data on AIMS/CK. Collate information for the monthly, quarterly and half yearly reviews on request from the relationship manager /officers. Collate information for the provisional tax, income tax and CGT schedules on request from the Relationship Manager/Officers. • Sorting and compiling vouchers etc on request in respect of all income tax return forms (IT12's & provisional tax) within company's and SARS's deadlines. Completing information on IT12TR's as requested by the relationship officer, including financial data iro will trusts. Collate relevant files in preparation of a termination process on request from the Relationship Manager/Officers. Assist Relationship Manager/Officers with administration statement process. Act as liason between Relationship Manager/Officers and Trust Processing. Pruning of Trust files on an annual basis. Filing on daily (or at least weekly basis), temporary filing and annotation filing annually. Photocopying/scanning/faxing. Adhering to the directions provided in the Trust Procedure Manual and the use of the standard letters contained therein. Be aware of Group Compliance requirements as specifically contained in G.R.G.chapter 7. Have a basic understanding of G.R.G. chapter 5 pertaining to trust & managed agency administration. Monthly scrutiny of MD fees to be processed by processing and advising of exceptions. Risk Management of Trusts, Agencies, Curatorships and Income Tax matters by verifying correctness of entries and transactions, which can only be verified by first hand knowledge of the matter (experience). Liasing with outside companies such as service providers arranging payment methods and services as requested by relationship officer. Preparation of receipts and aquitances Maintaining report packs and books and printing monthly statements and dispatching to clients (also via e-mail) Journalising transactions from source statements such as bank statements. Sending monthly confirmation of payment letters to clients as requested. Writing up registered mail for trust dept. Looking up and extracting files from Metrofile and strongroom (where applicable) Printing and initiating actioning of CRM reminders at the beginning of each month. Liaise with clients and processing re errors and rejected payments Changing all addresses with service providers to our office. Liaising with in-house and outside Independent Financial Advisors regarding the clients' investments, under guidance from Relationship Manager/Officer. Meeting deadlines. Effective and accurate execution of instructions. Condition and state of filing • Client satisfaction as measured by complaints/letters of commendation (internal & external). • Management observations and reviews. • To improve quality relationships as a core function of the job as it pertains to internal and external stakeholders • To reduce operating costs efficiently as is possible given the situational dynamics and the prevailing process • To enhance the customer experience in all dealings with current and prospective Bank customer • To increase productivity and process flow by executing duties immediately upon being able to do so, efficiently and effectively • To improve economic profit by contributing to the effective trust administration process enabling STL to recover their fees • To achieve ultimate conformance with the rules and regulations contained in the GRG and regulatory framework Client relationship • Build and maintain relationships with Processing Clerks, Relationship Officers, Trust Managers and other parties in STL • Develop and maintain a communication plan • Ensure all reporting is uploaded timeously and accurately. • Adherence to service levels • Assist with customer complaints and track the resolution of customer complaints People Management People Management • Basic understanding of diversity and the value of diversity. • As an employee, a basic understanding of diversity and the value of diversity. The ability to work with and share knowledge with people of diverse cultures, raves, genders, ages and disabilities. • Builds relationships with external parties and with other members of the internal team within a clear context and defined interactions Risk Management Risk Management • A basic overall understanding of the concept of risk and the different kinds of risk. • A basic overall understanding of the concept of Fraud and the different kinds of Fraud: (1) Paper Based Fraud (Impersonation, ID theft, Falsification, Cheque Fraud, Counterfeits), (2) Electronic Fraud (e.g. Phishing, Smishing, Vishing, Account Takeover, Business Online, , Key logging), (3) Card Fraud (Skimming, Shoulder Surfing, Cloning, Theft, Lost Card, ATM, Empty Deposit), (4) Transactional (Profile Hijacking, Kite Flying, Money Laundering. Financial Management • Basic overall insight and understanding of accounting items, concepts, terms and financial ratios and/or the ability to use a financial calculator. Project Management • Exposure to Project Management and process mapping techniques. Change Management • Scanning the business environment, recognising the need for change and crafting/ implementing appropriate models to enable, support and manage the change process; facilitating the implementation and acceptance of changes within the workplace. Internal relationships* Business area: All departments within STL Nature of relationship: Provide and receive a service Sphere of influence: Impact the whole business line (PBB, IB or EF) Business area: SBSA Nature of relationship: Provide and receive a service Sphere of influence: Impact the whole Group Business area: SBFC Nature of relationship: Provide and receive a service Sphere of influence: Impact the whole Group Business area: Liberty Nature of relationship: Provide and receive a service Sphere of influence: Impact the whole Group External relationships* Role type of external contact: Beneficiaries / co-trustees / guardians Nature of relationship: Manage the relationship Role type of external contact: Master of the High Court Nature of relationship: Manage the relationship Role type of external contact: SARS Nature of relationship: Manage the relationship Role type of external contact: Attorneys / Conveyancers Nature of relationship: Manage the relationship Role type of external contact: Financial Advisors Nature of relationship: Manage the relationship Role type of external contact: Service Providers Nature of relationship: Manage the relationship Accountability for problem solving* Degree of guidance received to solve problems: Clearly Defined - Policies, principles, readily available direction Description or examples: The environment is highly regulated Degree of original thought required to solve problems: Adaptive - Requires analysis, interpretation and significant judgment Accountability for planning of activities* Performance or supervision of varied activities Description or examples: Manage performance and activities of team Work environment* Working Conditions 1: Regular overtime may be required Physical Requirements 1: Open plan office Preferred Qualification and Experience Matric Previous experience in the fiduciary service environment will be an advantage Knowledge/Technical Skills/Expertise Related to role

Introduction Job Summary: The emphasis of this position will be on the acquisition of new customers for the Bank to grow the asset and liabilities book, the provision of superior service levels, and development of new opportunities within an existing portfolio of clients through the marketing of the Bank's products and services in a competitive Business Banking environment Specification Key Responsibilities: Maintaining and growing an existing Business Banking client portfolio. Marketing bank's products and services to existing as well as prospective clients. Effective management of credit risk. Meeting agreed upon sales targets. Providing superior client services and enhancing the bank's relationship banking concept. Abilities Requirements: Extensive and sound experience in all aspects of sales and banking with particular emphasis on relationship management. A sound financial and credit analysis background. Excellent analytical and negotiation skills and be able to converse with a wide audience. Must have a high degree of self-confidence and a pleasant personality. Customer service driven. Must be a self-starter. Good problem solving skills. Requirements Education and Experience Requirements: An applicable Degree in banking/credit management and/or applicable tertiary qualification will be a pre-requisite. Minimum of 5 years general banking experience of which at least three years in a relationship management position. Extensive experience in all aspects of banking with particular emphasis on relationship management. Computer literate (MS Word, MS Excel and MS PowerPoint). Sound knowledge of financial statements and analysis thereof. Completed basic credit courses, and/or one year credit experience. Namibian citizenship. •Valid Driver's licence.

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 fulfil our business objectives and build customer loyalty Job Purpose To support the Business Manager with the day to day running and maintenance of the portfolio. To provide a central office-bound contact point for customers. To deal with all credit related issues in Lifestyle and Entrepreneur segments. To ensure effective communication with Business Managers on all matters relating to the portfolio. Key Responsibilities/Accountabilities Customer Experience Provides a consistent customer experience in line with the Small Enterprise Customer Value Proposition Provides a second face office-bound (information/ query handling) service point for Entrepreneur customers. Performs a liaison role between the Business Managers, customers, branches and back office service fulfilment and credit functions. Interacts with customers to establish financial information requirements. Educates customers regarding the parameters and routine procedures governing entrepreneur product and service offerings. Interviews Business customers, when required. Assists with completion of documents and opening of all accounts for the Entrepreneur segment. Ensures that welcome letters are sent to new customers. Attends to transferring and closing of accounts, when necessary. Effectively migrates customers to Direct Channels. Ensures that all new service requests (queries and complaints) are logged correctly, as either a “first contact resolution” or “non-first contact resolution” as appropriate. Ensures that service requests in personal work list are actioned within agreed timelines. Ensures accurate capture, updates or amendments of customer information and history notes. Compliance Complete all compliance training within laid down timelines Lending support and risk management Accurately and efficiently collates and check securities documentation and mandates for banking facilities. Analyses business and financial information e.g. balance sheets, financial statements and management accounts, to prepare and motivate non-scored credit applications in line with credit requirements. Processes scored/un-scored credit applications. Monitors daily excesses to ensure that customer facilities are managed within the parameters set by Credit. Ensures timeous completion of all credit reviews. Ensures the preparation and completion of security documents for accounts on the relevant portfolio • Actions the daily credit violations. Assists with credit checks on new and existing accounts and credit applications, when necessary. Arranges and prepares the manager's appointments for the week ahead. Supports the manager in researching and prospecting for new and migratory business. Drive Transaction Led Acquisition Maintains customer portfolio data to identify opportunities for additional facilities. Cross-sells additional value adding products and services to existing customers to assist them in growing their businesses. Identifies and generate sales leads to stakeholders e.g. Personal Market, Vehicle and Asset Finance; Electronic Banking; Standard Bank Financial Consultants; Standard Bank Insurance Brokers, etc. Completes sales and lead generation tracking forms on a daily basis. Ensures that targets and budgets are met. • Participates in tactical sales/marketing activities as required. • Ensures that all leads are logged correctly in the presence of the customer and ensures cross selling opportunities are identified. • Identifies and actions opportunities for cross- and up-sell. • Identifies migration opportunities and sells products/services reactively. Reports • Scrutinises/Actions all relevant reports according to laid-down instructions, especially the following: o Report 8918 (Referral report) where applicable. o Report 8665/2084 o Actioning of report 2031 (Overdraft list of current/staff accounts) o Actioning of report 2099 (Limit reviews) o Actioning of excess and dormancy list received from credit o Actions Know Your Customer (KYC) and Enhanced Due Diligence (EDD) reports Routine • Actions credit referrals • Actions credit violations • Captures applications for Property Guarantees • Captures applications for Lease Guarantees Preferred Qualification and Experience • Business Related Degree - listed on the FSCA's qualification list • Driver's Licence • RE5 examination completed. • Roles has been classified as a FAIS Representative role • 3-4 years branch experience • An understanding of how businesses operate, as well as understanding the business risks, industry risks and financial requirements pertaining to the small, medium business market. Knowledge/Technical Skills/Expertise • Has the need to focus on one task and complete it thoroughly. • Goal directed and persistent. • Enjoys researching, sourcing and gathering information and ideas. • Enjoys working with clients, analysing their needs, negotiating and selling/servicing. • Ability to source, analyse and act on one's knowledge of the customer. • Ability to create and maintain quality customer interactions. • Ability to elicit and appropriately act upon customer feedback. • Ability to analyse a single source of customer information to assess potential customer needs. • Ability to effectively communicate with customers via various channels and display knowledge of the entire bank value chain and how hand-offs work between business areas. • Ability to generate deep customer insights through communication skills. • Ability to operate within a service-focused environment. • Ability to link offering and financial solutions knowledge to meet customer needs. • Ability to identify and action opportunities for cross- and up-sell. • Ability to display a customer service orientation (pro-active display of service, gives customer “more than what they want”). • Ability to engage with customers in a mutually beneficial manner.

Job Details Retail & Business Banking Please note that the link to this advert should not to be forwarded to any other party either internal or external to the bank. These roles are specifically ring-fenced as part of a redeployment process and only affected individuals may apply. If this advert link was not sent to you directly as part of a redeployment resourcing process, your application will not be considered.” 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 Qualification FAIS Regulatory Exam (RE5) level 1 Rendering financial services under supervision for intermediary services until relevant FAIS qualification is obtained. Categories: Long Term Insurance Category A (Funeral Plan) Short Term Insurance Personal Lines (Embedded - Personal Accident) Long Term Category B1 (Embedded - Credit Life, Funeral Plan Higher Benefit) Short Term Commercial Lines (Biz - SE) Long Term Deposit: Investment options with access to funds after 12 months Short Term Deposit: This is any transactional, savings and or investment product with access to funds before 12 months Experience 1-2 years Personal and Business Banking : Relevant FAIS qualification but no FAIS experience and would need to operate under supervision. Previous experience in branch banking or contact centre environment with good understanding of bank processes, policies and products Knowledge/Technical Skills/Expertise As detailed above

Job Details Information Technology: systems development, business analysis, architecture, project management, data warehousing, infrastructure, maintenance and production Job Purpose The incumbent is responsible for all Information Technology support. It is the incumbent's responsibility to ensure availability of the systems, applications and networks. The incumbent must ensure the smooth transition of applications from User Acceptance Testing environment to Production environment and must ensure the security of the platforms as well as customer data. Key Responsibilities/Accountabilities Technical support on systems, applications and networks Testing of systems, applications and networks in User Acceptance Testing Environment Troubleshooting of systems malfunction Design, document and test Disaster Recovery Plan Provide timely support to business and customer care Solution design and documentation Prevent audit findings and action findings to completion where necessary Fraud Management: Complete access reviews and audit of the environment Risk and Compliance of all platforms according to standards and policies Monthly and Adhoc Reporting on uptime and performance of platforms Understand Business processes, rules and regulations. Ensures and enforces security measures on all platforms Management of customer data Preferred Qualification and Experience Minimum degree in (BSc Computer Science, Information Systems, Systems Engineering) or any computer-related degree. Practical academic experience Working experience is an added advantage Knowledge/Technical Skills/Expertise Database management (preferred: Oracle and MS SQL) Programming languages Understand Unix/Linux/Microsoft environment Project Management

Job Details Comunicar, implementar e monitorar os objetivos comerciais do Standard Bank. S.A. para o segmento de mercado de Banca de Grandes Empresas. Job Purpose Comunicar, implementar e monitorar os objetivos comerciais do Standard Bank. S.A. para o segmento de mercado de Banca de Grandes Empresas. Desenvolver estratégias e fixar metas tendo em vista as oportunidades de negócio decorrentes das necessidades do mercado; Supervisionar a rentabilidade das carteiras, assegurando que o potencial de negócios de cada Cliente está devidamente explorado; Promover uma cultura de prestação de serviços de excelência ao Cliente, em linha com os padrões do Grupo Standard Bank; Monitorizar a coerência do acompanhamento comercial de cada Gestor e analista de clientes da Banca de Grandes empresas com os padrões de serviço pré estabelecidos; Avaliar o nível de reclamações de Clientes; Efetuar as mudanças que se tornem necessárias tendo em vista a melhoria da performance da Direcção de Banca de Grandes Empresas e o nível de satisfação dos seus Clientes. Key Responsibilities/Accountabilities Gestão do Desenvolvimento do Negócio Sugerir a criação, alteração, desenvolvimento ou lançamento de novos produtos e soluções bancárias ajustadas às necessidades dos Clientes, tendo em conta não apenas a rentabilização dos negócios, mas também os riscos associados para o Banco; Controlar e gerir adequadamente os perfis de risco de cada Cliente, sector e carteira; e Monitorizar o desempenho comercial dos elementos da equipa, tendo em conta os indicadores de performance e os níveis de serviço estabelecidos. Gestão de Equipas: Delinear e gerir o comportamento e accão dos Gestores e Analistas de Clientes, de acordo com a dinâmica e com o ambiente de uma verdadeira equipa; Auxiliar os membros da equipa na identificação dos pontos fortes e áreas a desenvolver, de acordo com as suas habilidades e atributos. Rever os planos de desenvolvimento pessoal no sentido de assegurar que as suas necessidades de formação, bem como de desenvolvimento e capacitação, sejam assegurados; Formar os elementos da equipa nas diversas vertentes de relacionamento comercial, pro-actividade, qualidade do serviço e atendimento ao cliente e análise de operações de risco e de crédito; Avaliar o desempenho dos Gestores e Analistas de Clientes face aos objetivos delineados pela Direcção de Banca de Grandes Empresas, ao plano de desenvolvimento de desempenho de cada um e tendo igualmente em vista as expectativas do Standard Bank. S.A. aquando da sua contratação. Preferred Qualification and Experience Qualificações Mínimas : Licenciatura em Gestão de Empresas, Gestão Bancária ou Economia; Qualificações Preferenciais: Pós-graduação, mestrado em Gestão Bancária, financeira, ciências económicas ou MBA; Outras qualificações : Formação em Liderança e Gestão de Equipas Pelo menos cinco (5) anos de experiência na actividade comercial bancária, preferencialmente na Banca de Grandes Empresas e com exposição a estruturação de operações de crédito/produtos, serviço ao cliente, será considerado uma vantagem; Experiência de gestão e influências em grandes organizações; Habilidades de coordenação, dinamização e supervisão de equipas; Liderança e Gestão de Equipas; Adequada apresentação pessoal e boa comunicação verbal a vários níveis; Conhecimento profundo do mercado local, clientes e concorrência; Experiência na elaboração e execução de estratégia de vendas; Forte capacidade analítica; e conhecimentos de informática na óptica do utilizador (MS Word, MS Excel e MS PowerPoint); e Focado na orientação de resultados. Knowledge/Technical Skills/Expertise Conhecimento do Sector (Excelente conhecimento das empresas das empresas, sectores mercados); Planeamento Estratégico e Reporting (Conhecimento e compreensão do processo e pensamento necessários para formular objetivos e prioridades e implementar planos consistentes com os interesses de longo prazo da organização em um ambiente global. A capacidade de identificar e capitalizar oportunidades e gerir riscos); Planeamento Operacional (Capacidade de traduzir a visão da organização e os objetivos de longo prazo em entregáveis de médio e curto prazo); Análise de Risco (Analisar os indicadores essenciais de risco, tais como; activos, ameaças, vulnerabilidades, salvaguardas, consequências e a probabilidade das ameaças se materializarem); Gestão de Risco ( Facilitar a criação e adopção de uma estratégia de mitigação de riscos apropriada e atribuir responsabilidades para a resposta ao risco); Inovação com foco no cliente (produtos, serviços e processos existentes para melhor atender as necessidades específicas dos clientes. compreender as necessidades do cliente para adaptar produtos, sistemas, processos e procedimentos que garantam a sua satisfação); Dirigir o alcance de resultados (Tomarr decisões e implementa medidas para atingir um objetivo desafiador);