19 jobs found in rosebank

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 Finance: budgeting and forecasting, creating interim and annual financial statements, facilitating internal mergers and acquisitions, as well as dealing with analysts and investors. Job Purpose To consolidate Management Information (MI), financial reporting and insights across PBB that is relevant, insightful and timeous. To consolidate the necessary material needed for PBB AR and PBB SA for external result presentations and analyst meetings. To manage and coordinate the consolidation, analysis and reporting of the PBB shape, budgets, revised estimates and rolling forecasts. To develop the PBB Finance toolbox and guide countries on implementation and customisation, where required. Key Responsibilities/Accountabilities PBB Finance toolbox Provides input on the development of the Enterprise Finance toolbox. In conjunction with the PBB Finance teams, develops and maintains the PBB Finance toolbox (in alignment with the Enterprise Finance toolbox) for implementation by PBB countries (e.g., models, minimum standards and measures, etc.) and monitors implementation thereof. Reviews and approves toolbox customisation requests. Provides guidance to countries on the implementation of the toolbox. Acts as subject matter expert for all PBB Finance reporting matters. In conjunction with the PBB AR finance team, develops a comprehensive glossary of definitions in collaboration with relevant stakeholders (i.e. Country PBB Finance) and makes available for in-country consumption. Determines the distribution and storage methods for the toolbox in order to provide countries with easy access. Assigns appropriate access rights. Monitors and tracks adherence to the toolbox minimum standards and reports on any deviations with appropriate commentary. Provides input into training programmes in collaboration with Learning and Development. Keeps the team updated on all Enterprise Finance related matters that could have an impact on reporting, governance, etc. Consolidated PBB financial reporting Develops reporting and alternate tools in conjunction with the Enterprise Finance teams to efficiently provide consolidated and forecasted reporting (including but not limited to universal reporting dashboards, the cube and other finance tool development). Provides input into metrics development that provides meaningful insights into the PBB performance. Timeously delivers consolidated MI, financial reporting and insights that is relevant in assisting PBB Finance, PBB CE and PBB Govco to inform appropriate business decisions. Responsible for PBB report consolidation and month end close processes (including the required support from PBB Head of Risk). In conjunction with the PBB SA and PBB AR Finance teams, co-ordinates and supports the fulfilment of customer level information into the Enterprise Finance reporting tools (e.g., The Cube). Assesses and understands the impact of new accounting standards, new reporting formats, etc. on PBB Finance and implements accordingly. Prepares or coordinates the consolidation of relevant sensitivity / scenario analysis in terms of PBB and risks to the broader outlook. Supports PBB Risk with the relevant reporting and insights to manage the PBB Risk function (extending to Credit and Ops Risk for both actuals and forecasting and scenario analysis as well as opex). Actively identifies relevant reporting analytics that highlight country performance and competitor comparatives to assess the health of the franchise in context of the environments. External financial reporting Consolidates PBB Finance SA and PBB Finance AR information for internal and external stakeholders. Reviews and analyses PBB's numbers to confirm the integrity and resilience of reported results at a product and country level. Creates visibility of key financial and non-financial leading metrics to assist stakeholders in understanding the business and financial implications in the future. Consolidates competitor analysis and market share information for PBB across the relevant countries. Responsible for prudential reporting for PBB. Budget management Ensures timeous and accurate preparation of Annual Budget, Revised Estimates and Monthly Rolling Forecast packs for PBB. Reviews margin reporting and reconciliations for budgeting and forecasting periods for PBB. Discusses Budgets and Revised Estimates with Enterprise Finance and agrees on timelines and reporting format. Liaises with Enterprise Finance, Group Tax, FBS and all relevant PBB business units finance stakeholders to establish reporting requirements, resolve issues, set internal deadlines, communicate issues raised, and perform quality control of information submitted. Provides input into internal and external budget presentations. Internal stakeholder management and support Co-ordinates and consolidates finance related matters for PBB as input into Enterprise Finance. Provides input to the PBB CE and Head, Finance, PBB in measuring outcomes for key business initiatives. Reviews consolidated commentaries on variances to Enterprise Finance. Manages the PBB Finance consolidation and reporting team and is the relevant finance opex team member. Where relevant, engages with the Corporate Functions and BU counterparts as it pertains to overarching costing and variances at a PBB level. Provides oversight of opex costs for the PBB Heads (e.g., PBB CEO, PBB Finance, Risk, HC, etc). Finance change initiatives Provides input into Enterprise Finance change initiatives to drive alignment to PBB requirements and efficiency needs. Provides input into the implementation of PBB Finance modernisation and automation initiatives across PBB Finance. People management Manages a team to ensure effective delivery of finance objectives. Fosters collaboration between direct team members and the broader finance community. Develops a high performing team by embedding the bank's performance process, regular performance feedback and coaching. Addresses poor performance. Motivates team members and ensures that they receive appropriate recognition for work well done. Determines development needs of the team and ensures that development opportunities (training, rotation, on-the-job learning) are budgeted for and executed. Maintains a succession plan for the team by reviewing the skills of the team at least twice a year and has career conversations with identified individuals. Interviews and recruits new members of the team, including determining the appropriate salary with input from the Human Capital Business Partner. Creates workforce plans for the area to ensure that current and future business requirements can be met. Such plans should be revisited at least twice a year. Uses workforce plans to obtain headcount approvals on an annual basis and as input into the financial budgeting cycles. Creates quarterly leave plans to ensure adequate coverage. Approves leave requests and leave sell requests. When required, initiates disciplinary processes for team members. Resolves grievances raised by team members, escalating only if unresolved. Preferred Qualification and Experience Post Graduate Degree Finance and Accounting C.A (SA) or equivalent qualification; Member of SAICA or equivalent body Experience 5 - 7 years post articles experience in financial services. Previous experience in heading up a finance team and delivering key MIS to business. Management Accounting reporting experience. Broad understanding of a business environment. Knowledge of financial analysis techniques. Able to construct, read and interpret financial statements. Computer literacy in well-known applications. Experience of industry key ratio comparatives. Knowledge/Technical Skills/Expertise Strategic Planning and Reporting Understanding IFR9 International Financial Reporting Planning, Forecasting and Budgeting Project Accounting Financial and Accounting Control Interpreting Financial Statements

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 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 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 Finance: budgeting and forecasting, creating interim and annual financial statements, facilitating internal mergers and acquisitions, as well as dealing with analysts and investors. Job Purpose To provide the UL Portfolio with support and advice for financial management, financial accounting and management reporting for operational and impairment activities. Ownership and involvement in the calculation and the analysis of provisions on a monthly basis. This includes IFRS9 impairment calculation, understanding and driver investigation and commentary. This will entail liaising directly with the UL credit, product finance, MI and capital modelling team members. In addition support will be provided to the Senior Finance Manager - Credit Risk: Intuitive lending and customer management to the extent that detailed regional analysis and consolidated reporting are required. Furthermore this role supports the budgeting process at product level to ensure that appropriate forecasts with realistic outcomes have been projected. This will include the distribution of these forecasts to regional levels. Understand and complete capital credit risk reporting on a quarterly basis and engage with the relevant stakeholder on capital credit requirements. Ensure that this is aligned and congruent with the credit risk financial reporting. Working within a team to complete projects within agreed timelines, processes and procedures. Engage as an objective independent partner with both business and credit to ensure appropriate provisioning is in place for the portfolio risk and exposure Key Responsibilities/Accountabilities Preparation and review of monthly impairment provisions and book. Variance analysis and regular review of compliance with financial reporting framework. Resolution of queries on provisions and book balances. Unpack and ensure granular understanding of drivers of significant increase in credit risk, off balance sheet provisioning and forward looking projections. Engagement with the credit and capital modelling teams to understand driver updates and sources of the change in risk leading to these driver amendments as well as engagement with credit portfolio manager to ensure evidence in the data aligns with strategies deployed through origination and collection strategies. Calculate and evaluate modification adjustments required by the standard and identify optimising strategies that can be communicated with credit team to mitigate the impacts. Preparation and capture of monthly journals onto SAP (relating to provisions, unwinding of interest, modification entries and interest in suspense). Manage internal control environment including reconciliation of data between MI, Modelling, SAP and Bank Analyzer. Adept storytelling” to unpack monthly and annual movements in relation to actions taken rather than generic terms for purposes of monthly commentary and annual financial external reporting Prepare the commentary and present to credit, product and product finance. Engage with the Treasury and Capital Management team to unpack, understand and align capital reporting with credit finance expectations and reporting trends. Play a strong supporting and business partnering role to both the relevant Credit and Product Finance counterparts to ensure appropriate challenge, understanding guidance and proactive engagement is in place. Prepare and present Budget, Revised Estimate and Rolling Forecasts. Consideration of variations of drivers to predict bullish and bearish outlooks. Actively engage with credit to identify key potential challenges and concerns and proactively assess available actions to address these items. In all reporting described above, support should be provided to the regional reporting structure to unpack and understand regional performance by product and segment. This includes assessment of business quality and behaviour (NPL, EA, stage 1/2/3, significant increase in credit risk trends etc.) that may trigger varying performance. This will require a broader product credit overview and familiarity with finance (e.g. PMT) and Capital tool sets (e.g. Qlikview). Meeting Central and Group Finance deadlines and requirements with regards to the Budget and Revised estimates, Rolling forecasts and Management Reporting, including query resolution, on an individual and consolidated cost centre basis. This is applicable to provision shifts, significant increase in credit risk, forward looking, additional provisions and book balances. Engagement with external and internal auditors on IFRS9 impairment models/enhancements implemented during the year. Active understanding and involvement on existing credit impairment models as well as new models under development and identification of potential optimisations that support minimising model volatility while balance income statement return. Understanding of behavioural scorecards will also be essential under the new IFRS9 standard. Involvement, understanding and supporting the implementation of the new IFRS9 framework to facilitate optimal implementation and business understanding of implications. This will cover modelling, technical accounting issues, bank analyser developments (interest in suspense) and disclosures. Responsibility to ensure the finance and risk reporting is aligned to RDARR principles and appropriate attestations and controls are implemented and data steward awareness is in place. Preparation and presentation of Product, Exco and UL Portfolio review pack submissions. Preparation and presentation of Adhoc financial reporting requirements as and when required by Central Finance, Product Finance as well as the Business Credit teams. Coaching, mentoring and personal development where required of the junior members in the UL Risk Finance team. Focus to be placed on innovation, efficiencies and effectiveness in all processes that are implemented and identify opportunities to improve existing deliverables whether that be through enhanced utilisation of systems (e.g. Bank analyser), new ways of delivery (e.g. automate through MI) Preferred Qualification and Experience CA (SA) qualification or equivalent finance qualification Experience SAP and Banking experience Extensive knowledge of and high competence in Excel, Word, PowerPoint and SAP Knowledge/Technical Skills/Expertise Exceptional understanding of Accounting and Finance A sound knowledge of the UL environment and products The ability to build and maintain professional relationships with our internal and external customers. SAP Knowledge Experience of consolidation and reporting in a Finance environment Experience in forecasts and budgeting is required General financial administration Report writing

Job Details Finance: budgeting and forecasting, creating interim and annual financial statements, facilitating internal mergers and acquisitions, as well as dealing with analysts and investors. Job Purpose To drive, deliver and monitor the results of the Balance Sheet Substantiation process and ensure that inefficiencies identified in the process are reported and resolved promptly. To ensure that Balance Sheet and Profit & Loss At Risk items are identified, communicated and plans put in place for resolution. To provide CIB financial process mapping which includes identification and documentation of Key Financial Controls and the monitoring thereof. To contribute and participate as a key member of the CIB Internal Financial Control forums and is a CIB IFC representative in the SBSA Internal Financial Control forum. To drive the timely and effective resolution of Adhoc Financial control related queries and concerns. To drive and support procurement risk analysis and reporting and also enforcing compliance with Procurement policies and processes to ensure that CIB is pro-active in avoiding potential risks related to non-compliance. To execute the CIB controls Quality assurance to evaluate the effectiveness of the design of the controls as well as the operational effectiveness of control. Key Responsibilities/Accountabilities Drive Balance Sheet Substantiation for CIB SA: Understand the CIB Strategy and how it impacts risk mitigation. Drive CIB's Balance Sheet Substantiation process through the AssureNet tool and design relevant control mechanisms that ensure appropriate risk mitigation Liaise with key stakeholders in Product Control, Operations and other functions to ensure timely, accurate and complete identification and reporting of Balance Sheet and P&L exceptions Drive CIB projects/work streams to facilitate resolution of emerging issues that impact on balance sheet substantiation and CIB control environment Facilitate Balance Sheet Substantiation training (including Assurenet) for stakeholders whose processes are impacted or impact balance sheet substantiation process. Understanding and influencing the CIB financial control environment: Understanding and influencing the CIB financial control environment by; Implementing initiatives such as CIB process mapping including the documentation, monitoring and reporting of key financial controls and regular updates of process maps, Promoting collaboration and communication with and between stakeholders, responding to their requirements to drive change towards an improved CIB control environment Evaluating the design and operating effectiveness of controls through quality assurance reviews to ensure that controls in place provide comfort on the validity, completeness and accuracy of financial information for internal and external stakeholders. Identification, validation and monitoring and reporting of key financial risks and ensuring that there are sufficient key financial controls to mitigate identified risks. Maximizing technology through evaluation, assessment and consideration of currently manual processes and controls for streamlining and automation to achieve operational efficiencies Participate as member of internal financial control forums and committees: The incumbent represents CIB IFC at SBSA internal financial control (IFC) and participate as a member of the CIB IFC forums. Will also assist stakeholders proactively identify emerging issues that could have a significant impact on the balance sheet and recommend corrective action. This will ensure that surprises are minimised The incumbent is expected to be comfortable with working in complex projects (e.g. understand the control environment across the value chain and be able to assess the key financial risks and controls for each significant process across the value chain) Escalate significant emerging issues to CIB IFC, SBSA IFC and other Governance forums Provide assurance to CIB Stratco that appropriate internal financial controls are in place to enable accurate reporting to the relevant regulators: Ensure that adequate information is provided to ensure a full understanding of the CIBSA balance sheet and income statement and to ensure adequate control of all balances Production of consolidated governance results for CIBSA and SBSA CFO reporting - risk, controls failures and mitigating actions in the business. Business Owner for SAP G/L to ensure an adequate general ledger structure and ensure that we have a CIB SA statutory view that will enhance our capability to control the annual financial statements and have a statutory ledger that is close to an operational ledger. Monitor CIB's internal control framework and the results of activities of CIB internal financial control governance committee; consider reports from both external and internal audit, and monitor responses from management and where required consider the independent assessment. This will ensure that there is alignment of status of the CIB control environment with all assurance providers and risk managers. Drive, support procurement risk analysis including enforcement of compliance with the procurement policy: Performing procurement risk analysis and monthly reporting on compliance with procurement policy. Providing advisory services to business units on procurement compliance topics; Leading the CIB procurement risk analysis and reporting; Providing guidance to senior management, staff, and employees on procurement policy compliance and risk management Manage the oversight activities related to vendor risk management to ensure business owners consider, understand, and monitor their respective vendor's organizational strategic fit, risk management controls, financial conditions, adherence to contractual requirements, delivery of agreed upon performance levels, compliance with regulatory requirements, and alignment of CIB spend priorities with vendor priorities; Identifying and communicating to the business unit's leadership the associated risks of vendor provided processes and services in support of critical operations; Understanding and support a strong control culture within CIB: Tracking, monitoring and reporting outstanding internal and external audit issues by; Logging and reporting all outstanding internal and external audit issues clearly outlining those issues that are overdue, are about to fall into overdue status, ensuring that issues that are long outstanding are escalated to the Governance forums. Proactively engaging issue owners and respective business heads regarding issues that have become overdue. CIB emerging issues tracking, monitoring, reporting and drive resolution with issue owners Suspense account monitoring ensuring that all suspense accounts are cleared in accordance with the requirements of the BSS Policy IFC meetings coordination, scheduling, minute taking & drive action points Execute the CIB Controls Quality Assurance: Execute the CIB Controls Quality Assurance comprising of; Reviews of the effectiveness of the design of controls that have been implemented and relied on for balance sheet substantiation purposes Recommend and drive initiatives to be rolled out to enhance controls that are not designed or implemented appropriately. Manage/coordinate results of Quality Assurance reviews and report to IFC forums. Lead CIB IFC adhoc Projects: Drive execution of initiatives to address emerging control issues as raised by CIB Product Control, identified through the control attestation on Procon, BSS on Assurenet and from other Forums. Journal entries analysis and reporting Coordinate the completion of the CIB BSS IFC Maturity analysis Other financial control change projects Manage the CIB Finance Business Continuity Programme: Responsible for CIB Finance Business Continuity management ensuring that: the Business Continuity Plan (BCP) for CIB Finance is up-to-date CIB Finance BCM Policy compliance levels maintained at 90% or above CIB Finance Business Impact Analysis (BIA) is kept up to date CIB Finance BCM Dashboard is prepared and submitted regularly Facilitate CIB Finance BCM testing/ simulations in accordance with Group Financial Control timelines Ensure that the ClearView BCM tool is kept up to date for CIB Finance and drive implementation of new BCM initiatives Represent CIB in the monthly Business Resilience Meetings. Coordinate/manage CIB IFC Governance meetings: Arrange IFC meetings and prepare IFC packs for CIB IFC governance forum meetings, Distribution of packs prior to meetings and ensure that all meeting have quorums Documentation and distribution of minutes of the meetings and follow up on matters arising from prior meetings. Regular review and enhancement of packs to ensure that value is provided to stakeholders Drive a risk management culture within CIB Finance : Drive the mapping of product process flows, updating of process flows on a regular basis, identification of key financial and other controls and ensure these are logged on attestation tool Identification of process and control gaps and recommending action to be taken for resolution or closing of gaps Be the Administrator of the Procon or other attestation tool ensuring that all users have access and monitoring compliance with attestation requirements thereof Develop a CIB Finance Control Risk framework and ensure that this is updated regularly and is validated with Business Drive the BU risk grading stream including ensuring that all controls have KRIs linked to them and that these are reviewed and updated on a regular basis. Review and refine the risk reporting process including expanding procon to ensure that maximum value is obtained from the tool. Preferred Qualification and Experience BCOM Accounting Science Honours or Similar. CA (SA), or ACCA equivalent. 5-7 years experience: Financial Project Management. International Financial Reporting Standards. Experience within the Finance division of a corporate banking environment or environment with similar technical challenges. Product Experience Knowledge/Technical Skills/Expertise Financial and Accounting Control. Financial Accounting. Financial Management. Reconciling Financial Records. Preparing Financial Statements. Financial Consolidation. Leadership Competencies : Driving Delivery of Results. Seeking Deeper Understanding. Purposeful Collaboration. Influencing Others. Growing Capability.

Job Details Transactional Products & Services; This team is constantly working to extend our service capability and product range, consolidating our operations in established markets while expanding and extending in emerging markets. We divide our core capabilities into three product groups - Investor Services, Transactional Banking and International Trade Services. Job Purpose To provide strategic vision and IT leadership for Quantum Leap and be accountable for directing, planning, organising, delivering and controlling all IT functions. In addition, the role is responsible for the delivery of a broad range of IT services and sponsors process/system improvements and partner engagements aimed at the efficient and effective provision of IT services for the digital transactional bank. Key Responsibilities/Accountabilities Quantum Leap digital strategist and visionary Play a lead role in developing Quantum Leap's business strategy aligned with Standard Bank's overall strategic goals, which includes the strategic plans necessary to meet the information technology needs that ensure IT capabilities are responsive to the needs of Quantum Leap's growth and operational objectives Stay abreast of innovations and disruptive threats by identifying and assessing new and emerging technologies (e.g. Cloud, AI, Blockchain, Quantum Computing) as well as emerging businesses and market opportunities enabled by these technologies, and be able to separate hype from reality Provide the Quantum Leap Executive team with awareness and advice on how new technologies can enable new products and business strategies to deliver end-consumer value Ensure that the technologies adopted and implemented meet the core needs of Quantum Leap and align to how aggressively Quantum Leap wishes to be seen in terms of cutting-edge technology, products and services Stay abreast of the financial services industry, customers' evolving needs and expectations, and how new and emerging technologies align with Quantum Leap's business priorities Reshape how Quantum Leap's IT and digital capabilities are organised based on latest practices and frameworks incorporating new operating and delivery models that balance risk and agility to drive IT, technology and digital at the right speed Manage the Quantum Leap technology budget to facilitate the implementation, support and management of technology and third party providers by using data beyond the line-of-business to holistically grow the whole enterprise Bridging the gap between the past and the future Provide input on which established systems can be modernised, adapted and/or leveraged, as well as which systems are impediments that need to be replaced and/or scrapped Harness existing IT assets and capabilities in conjunction with new and emerging technologies and ecosystems to meet the company's current and future needs Efficiently manage core legacy assets whilst partnering with, innovating and/or developing cutting-edge technologies at start-up speed Develop a technology-fluent business culture by creating awareness among the Quantum Leap Executive team on technology delivery principles such as Agile and how to use it holistically across the business Develop and implement the strategy that facilitates the core IT architecture integration across the legacy IT systems landscape with mutually reinforcing interactions of new technological frameworks that balance business needs, technical realities, consumer behaviour and Quantum Leap priorities Ecosystem orchestrator Establish relationships, communicate and collaborate across organisational boundaries, both internal (existing and new roles such as Chief Innovation Officer) and external (vendors, Fintechs etc.) Play a lead role in the identification, selection, validation and subsequent working engagement with 3rd parties, which includes all Fintech relationships, vendor skills outsource relationships, in county technology providers, in country resourcing providers and large tech providers Promote use of 3rd party capability, Fintech integration and the use of micro-services architecture to create a scalable platform and facilitate external input and vendor influence on architecture evolution where required Identify funding opportunities and build relevant industry relationships Negotiate and approve contracts/agreements with external parties within authorised mandate Create the necessary sandbox environment for the co-creation of solutions with external partners Provide insight to the Quantum Leap Executive team on how the convergence of industries such as retail, financial services, health care etc. result in new connections with partners in other industries Delivery excellence Ensure quality (fit for purpose) and accuracy of work outcomes Manage timely completion of deliveries within agreed sprint planning Implement an effective post implementation support model delivering to central and in-country requirements Assume accountability for the delivery of all technology components for the digital bank including dependencies on country delivery Ensure the continuous delivery integration approach allowing for frequent feature delivery Facilitate and drive continual service improvement by consistently aligning the IT service offering to business demands and manage business needs effectively Measure IT service delivery to enable adequate spend/budget allocation to business process innovation and general IT maintenance respectively People and culture Create a core Quantum Leap Digital IT team who provide the core technology direction and oversight Create an innovative and start-up based culture allowing for the onboarding and development of industry leading talent Partner with business to co-create business change programs and drive changes to meet strategic and tactical business objectives thereby creating further IT demand Embed a risk aware culture by fostering an IT strategy that ensures data privacy rules and data security are at its core Preferred Qualification and Experience Qualifications: Post Graduate Degree in Business or IT Masters Degree in Computer Science or Information Systems and / or MBA preferred. Experience: A minimum of 10 years' technology experience. Demonstrated experience in launching and managing start-up ventures with exposure to financial technology (i.e. Fintech). Ability to assemble and lead high performing technology teams which span across business, technology and 3rd party suppliers. Industry knowledge and relevance in the fields of cloud adoption and financial technology. Demonstrated ability to launch ventures which deliver positive return on equity for shareholders. Exposure to transactional banking products could be advantageous. Knowledge/Technical Skills/Expertise The ability to develop a long term vision for the utilisation of IT based systems by the bank to modernise the work methods and improve efficiency and response times for different functions. The identification of new and emerging hardware, software and communication technologies, products, methods and techniques and the assessment of their relevance and potential value to the organization. The promotion of emerging technology awareness among staff and business management. Knowledge and understanding of the external and internal environment - global marketplace experience, developments and trends that could have an impact on the IT function. The management of, or provision of advice on, the procurement of IT products and services. The overall financial management, control and stewardship of the IT assets and resources used in the provision of IT services, ensuring that all governance, legal and regulatory requirements are complied with. The coordination of relationships with and between key stakeholders, during the design, management and implementation of business change.

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 manage the end-to-end fulfilment of customer interactions for the UCount Rewards App in line with the Loyalty and Rewards strategy. To develop new or enhanced rewards value proposition opportunities/features for the UCount Rewards App. To source and manage vouchers, coupons and any other incentives for the App from established Retailers and other third parties. Key Responsibilities/Accountabilities Defines a seamless cost-efficient digital fulfilment process for UCount Rewards members (end-to-end) through the UCount Rewards App. Ensures operational fulfilment of all initiatives through the App for relevant products by engaging with the BUs or retailers and ensuring that their requirements are delivered through the App. Defines, drafts and provides input towards effective customer processes for activities on the App (e.g. Challenges and Offers” (name of campaign), redemptions, Card Management, updating marketing consent and updating Tier rules). Negotiates with retailers on vouchers and pricing, coupons and any other incentives, as well as managing the value and volume of these incentives with the necessary service providers i.e. manages vouchers and coupons and could negotiate with non-rewards retailers (e.g. new initiative called choose your own rewards” will roll out with Edgars and Steers which are not a rewards retailer, but will be part of “choose your own” and these retailers may provide coupons and vouchers towards App incentive campaigns). Ensures overall reconciliation of payments and redemption points and vouchers for App are in line with receipt of monthly reporting from vendor/s. Oversees exception processing and ensures that relevant reports are actioned within prescribed guidelines. Negotiates service level agreements with vendors are negotiated, specified and the necessary governance applied by the Head, Governance (Loyalty and Rewards). Gathers and interprets empirical customer data in order to ensure optimal take up. Develops mechanisms to obtain and provide feedback (sensing). Ensures that all member App interactions are created and tracked on the system i.e. Customer Relationship Management (CRM). Co-creates performance targets for App usage (e.g., financial, customer experience, etc.) with relevant stakeholders and presents to line manager for approval. Stays up to date with the latest developments in the digital space in respect of electronic banking related technologies and the application of business objectives to ensure plans are in place to drive the revenue component. Ensures content for brochures, product manuals, terms and conditions are correct and approved by business. Provides input and recommendations towards training material to Learning and Development. Signs and approves monthly supplier invoices and ensures charges are within budget before submission to Coupa for payment. Drives the propensity modelling and rules around challenges & offers” which will determine the offers members qualify for, together with the third-party vendor. Ensures the effective fulfilment of Challenges and Offers” and required processes in order to achieve financial objectives. Monitors and ensures that the incentives required to support the Challenges and Offers” are available by interacting with the Partner Management team, as well as Retailers i.e. this includes negotiating deals for vouchers, coupons and any other incentives. Liaises with stakeholders (e.g., Eighty20, WiGroup, Rewards Retailers, etc.) in order to ensure successful conclusion of Challenges and Offers” take up process and SLA adjustments where required. Ensures that Challenges and Offers” briefs and scripts (e.g., monitoring, customer feedback, adoption, facilitation of continual change, etc.) are effective and in line with regulatory requirements. Monitors and provides feedback on Challenges and Offers” performance (pre- and post-campaigns), optimises and provides input based on activation, online digital drop offs, card activation, etc. Compares campaign performance against customer engagement and competitor activity in order to optimise the current campaign initiatives and utilise learnings for future campaign roll outs. Monitors improved business performance reporting (leading and lagging) of coupon and voucher take-ups, negotiates additional coupons and vouchers with retailers, whilst working with relevant stakeholders. Ensures that Challenges and Offers” performance insights and analytics is delivered from existing external analytics vendor i.e. Eighty20. Delivers end-to-end business performance insights and measurement i.e. determine uptake of card management and redemption uptake on the App. Ensures that all processes and systems related to the App are in place to adhere to risk, compliance and fraud requirements and eliminate operational risk losses. Monitors and prepares appropriate recommendations to mitigate risk, as part of the NABPS process. Ensures that all governance digital processes and business rules are signed off by the appropriate governance committees. Keeps abreast with all regulatory changes i.e. TCF, POPI etc. in order to determine potential impact on Digital Fulfilment (e.g., impact on processes). Engages and networks with key stakeholders across the Standard Bank Group to identify and understand potential opportunities for value creation and value maximisation of existing SBSA customers. Actively manages and controls Service Level Agreements (SLAs) with stakeholders and vendors as they relate to the UCount Rewards App. Monitors contractual requirements such as service requests, change notes, addendums, etc to ensure compliance with Group Procurement Policies and Procedures. Identifies and establishes good partnerships with vendors, internal and external stakeholders ensuring mutually beneficial relationships. Preferred Qualification and Experience Business Commerce Degree 5-7 years experience within a product environment, digitalisation of products, an understanding of the bank's products, processes and services. Exposure to eCommerce practices, principles and digital platforms. Experience in loyalty and rewards and product development. Knowledge/Technical Skills/Expertise Developing Expertise Interacting with People Making Decisions Embracing Change Resolving Conflict Producing Outputs Taking Action Team Working Convincing People Developing Strategies Establishing Rapport Interpreting Data Financial Acumen Business Acumen People Strategy Development Risk and Compliance management Product Knowledge Verbal Communication Value Identification Interpreting Financial Statements Planning, Budgeting and Forecasting

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 Manage and lead a team of five Credit Evaluation managers Assessment and analysis of all credit applications and related source documents to minimise risk to the Bank (South Africa). Accurate sanction of deals which are implementable from an end to end processing point of view Supporting the business partners in accordance with the Group's core values, policies and procedures, through the sharing of knowledge, coaching and by assisting in improving the quality of risk Work-up and recommend credit applications above delegated credit mandate. Ensure agreed risk parameters are adhered to including but not limited to the PBB Global Credit Policy, Wealth & Investment Risk Appetite, Credit Monitoring and Watch List Policy, Distressed Restructure Policy, Commercial Property Finance Policy, PEP Policy, Collateral Valuation guidelines Provide input into pricing to ensure the principle of risk and return is ingrained in our lending decisions. Minimum ROE to be adhered to unless the required sign off is provided by Regional Head of the business Build relationships with Business to ensure good risk practices and build a quality lending book. Key Responsibilities/Accountabilities Credit Evaluation Granting of credit on an intuitive basis up to a personal Delegated Authority Motivate applications to a higher DA Level and/or GOVCO and CRMC that are above personal DA Levels Participation in the Wealth & Investment Business Acceptance Forum Committee Participate in the local Wealth & Investment Credit Forum Obtains and assesses client and financial information, including cash flows and cash flow forecasts, with a view to understanding the current debt levels and repayment requirements as relates to different products, segments and banks. Makes prudent credit decisions on lending applications and authority sought requests within the parameters of the relevant individual product policies and/or multiple product policy, relevant regulatory requirements such as the National Credit Act and sound financial principles. Determines the best possible lending solution for the client and the Bank. Proactively highlights opportunities for asset growth in line with ecosystem philosophy & sound credit risk principles Adheres to Before sunset service” in order to deliver excellent client experience. Considers the requirement for collateral, guarantees, pre-conditions, post-conditions and covenants, dependant on the segment. Ensures correctness of information on which decision is being made. Obtains additional inputs from specialists where required. Performs annual reviews as required by policy timeously Performs and/or validates credit risk ratings on clients / businesses Engages Business to understand client requests, their business, financials and potential collateral available. Ensures that decisions are timeously made, minimising reworks as far as possible. Proactively follows up on matters which have been reworked or awaiting information from clients. Prepares motivations and recommendations for applications falling outside the delegated authority and presents this to appropriate authority levels. Adheres to business rules while still applying sustainable intuitive solutions. Within bounds of risk consciousness motivates for exceptions to business rules and policies where appropriate. Correctly applies legislative requirements such as the National Credit Act Displays a good understanding of legal principles in setting conditions and agreeing to amendments to agreements and conditions, ensuring the Bank is protected and risks are mitigated. Understands industry, regulatory and business risks (such as BEE, high risk industries etc) which will impact the financial health of a client and their ability to repay. Considers and provides input on appropriate risk / reward in respect of facilities and risk groups Client Engagement Attends client visits to understand clients and their businesses. Client engagements may be in person or telephonic. Supports business to understand clients and whether lending opportunities fall within risk appetite Performs regular suite and/or CST visits Participates in round table discussions as required Visits watchlist clients as required in support of Business, Support and recoveries teams. Visits high value clients in area they support. Supports and participates in ecosystem meetings and discussions. Measures Client visit targets Stakeholder feedback from Business Training and mentoring Assists with training new staff as and when required and cross skilling of existing staff. Provides credit guidance and advice to business through the sharing of knowledge, coaching and assistance in improving the understanding and quality of credit risk Attends and learns from additional training to enhance credit skills and acquire skill across different segments and products, as required Stakeholder management Builds and maintains relationships within the broader credit team and business stakeholders. Acts as a partner to business in unlocking ecosystem & other client opportunities to support the achievement of asset growth within the bounds of responsible credit risk management and set risk appetite. Ensures that service is provided to the satisfaction of all stakeholders in terms of service level agreement. Attends business and team connect sessions Measures: Feedback from stakeholders and team Preferred Qualification and Experience A relevant degree or tertiary business qualification is a requirement such as BCOM. Credit Risk Management 5-7 Years Experience in intuitive credit assessment and decisioning in relevant segment and products (i.e. across business, entrepreneur, lifestyle and personal). Thorough knowledge and understanding of financial statements. Knowledge and understanding of repayment structures, collateral and collection processes within the banking environment. Understanding of legalities associated with lending and collateral Knowledge/Technical Skills/Expertise Computer Literacy The ability to navigate Credit systems. Risk Principles Knowledge of credit and strategy business rules and processes to identify exclusions where applicable. Understanding of the National Credit Act. Legal Principles - Collateral Knowledge in respect of collateral - how it is affected and released, as well as the value assigned to different collateral types from a credit perspective. Understanding of Deeds office processes. Credit Granting Loan assessment and approval Financial statement analysis Debt Consolidation Asset Based Lending - Knowledge and understanding of the risks and processes associated with lending using movable assets as security for loans. Commercial Property Financing - Knowledge and understanding of the risks and processes associated with lending using commercial property as security for loans. Knowledge/Technical Skills/Expertise Strong leadership skills Problem analysis Problem solving Decision making Attention to detail Self Starter Team Player Respectful Conflict resolution Interpersonal and people management Able to work under pressure and remain focussed Good interpersonal and intrapersonal with ability to encourage commitment and professionalism. Values aligned with that of the organisation Understanding of credit procedures and policies Computer literate

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 gather customer insights, conduct analysis and monitoring of outcomes, as input into the Client Journey. Key Responsibilities/Accountabilities Customer Journey As-Is system understanding: Conducts as-is assessments i.e. value stream mapping, as input into the Client Journey. Determines where to source appropriate data in response to specific customer problems in order to conduct as-is assessments and relevant data interpretations. 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 articulate the relevant process factors (e.g., unit costs, labour input, process costs, etc.) as input into MVP's and overall client journeys for further decision making. Provides input into baseline measurements of the as-is systemic state of client journeys. Researches competitor behaviour and prepares relevant findings. Defines high level opportunities for automation / intelligent automation (robotics). Solution redesign and delivery: Provides input into the end-to-end target state client journey (conceptual and detailed view) informed by the customer's emotional journey; illumination of customer's pain points; and new capabilities from where the customer's need begins - based on appropriate data extractions and research. Works with all relevant internal and external stakeholders to develop the appropriate digitised solution in line with what matters to customers as identified through comprehensive research. Provides input into MVP (minimum viable product) options: i.e. assessments (based on desirability, viability and feasibility) and recommendations. Establishes quick win automations from target state features. Provides input into rapid prototyping of digitised or modernised solutions together with IT and UX - this involves: Showcasing prototypes Test and correct methods (Fail Fast) 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: Identifies opportunities to create value for customer and bank. Demonstrates the potential impact of delivery on cost; revenue; customer and NPS. Provides measures for a deployed solution. Makes suggestions for improvement on deployed solutions. Risk management: Considers existing policies and procedures when providing input into design and testing of different approaches during concept stage, in order not to incur additional operational, credit and market risk. 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. Solution management: Tracks actual solution performance across channels and prepares appropriate findings. Performs resolution of operational and functionality problems on the different products and systems Measures of success: Achievement of financial objectives as gauged by line manager Quality of data gathered as input into client journey design and development 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 Qualification: Business related qualification essential First Degree, IT and Computer Sciences preferred First Degree, Business Commerce preferred BSc Comp Science, B.Com Informatics degree and / or a business degree preferred Experience: 3 - 4 years experience in data gathering and analysis. Exposure to translating business and functional requirements into technical specifications. Experience in managing product lifecycles development and analysis in a financial services environment Knowledge/Technical Skills/Expertise Experience in data gathering and analysis. Exposure to translating business and functional requirements into technical specifications. Experience in managing product lifecycles development and analysis in a financial services environment Tecnichal Expertise: Execution and delivery delivery of high quality work in an efficient manner by breaking objectives into tasks, scheduling, guiding and maintaining discipline. The ability to review data to measure and review productivity and quality against other teams. Innovation Ability to create an awareness of creativity and innovation. The ability to challenge traditions and encourage out-of-the-box thinking. Think creatively and resources fully by brainstorming, exploring lines of thought, connecting different concepts and thoughts of create and generate a range of innovative solutions. Combine ideas and approaches in unique ways, creatively implement new ideas and solutions, and allow others to make mistakes. Continuously re-engineer and improve processes, methods, practices and systems. Influencing through communication Translate more abstract ideas and concepts, using more advanced media in a convincing way, applied to a range of audiences with the ability to influence thinking and sell ideas. Presenting material, facilitate discussion, influencing, resolving concerns and objectives using better than average vocabulary and sentence construction. Business Acumen Seek opportunities and have experiential appreciation of industry, competitors, by buying behaviour, economy, political environment and market-share. Remains alert to shifts and can relate these back to how the organisation can compete. The ability to intuitively sense and anticipate shifts and trade-offs, their likely impact and the opportunities for value creation.. The ability to utilise current capabilities and create new organisational capabilities in different ways in order to create and sustain value and occupy a position in the industry User Experience Design Possess in knowledge and understanding of the external and internal environment: global marketplace experience, developments and trends that could have an impact on the IT function. basic understanding of IT Applications used in environment. Shows a moderate level of business insight so as to support and apply the user experience design within an Enterprise effectively. Application of the Legislation understanding of relevant laws impacting on the Business Unit and engaging industry bodies proactively through respective organisation in order to build a good reputation. Keep abreast of legislation and adapting Business Unit to legislation. Financial industry regulatory framework General overall understanding of seven acts, an operational understanding of at least three and a specialist experimental understanding and ability of at least one. Market research Develop research methodology, develop templates, manage data gathering process, and translate results into market research report. Banking product knowledge understanding of most products or services in MORE THAN ONE product type (Example: Personal Current/Savings, Home Loans, VAF, Card Self-Service Banking (Internet/mobile), Personal Lending, business lending, investments insurance, online, etc), within AT LEAST ONE market (Example: Personal, Private, Business, Corporate, Inclusive banking, Micro-lending, etc). The ability to converse about intricate process details of products or service delivery, the typical problems experienced, and recommend or suggest modification to the product process. Customer understanding Goes beyond understanding of the obvious and factual information: develops a conceptual understanding of the meaning of all information at hand. The ability to generate a range of solutions or courses of action and can articulate the benefits, cost and risk associated with each possible solution. The ability to test proposed Solutions against the reality of likely effects, adapt solutions and describes the customer journey in conversation. Data analysis Working knowledge of data analysis techniques. The ability to interpret key performance measures for the business as well as challenges. The ability to formulate/select the appropriate mathematical approach to address challenges. The ability to conduct research on historical data in order to identify potential trends. Test hypothesis and use relative frequencies to estimate probability and make prediction. Measurements Experiential knowledge and understanding of service measurement and product performance measurement. The ability to define and articulate the process of developing measurable indicator that can be systematically tracked and assess progress made in achieving predetermined goals.

Job Details Legal: guidance across all areas and geographies to ensure: every transaction is appropriately negotiated, documented and implemented, losses arising from litigation are minimised, and legal issues carrying negative reputational consequences are avoided. Job Purpose To assist the Head: Legal Advisory Services (LAS) with the implementation and execution of appropriate processes to manage all aspects of legal risk that fall within the LAS ambit, in Group Investigations and Fraud Risk (GIFR), Channel, Regulatory Instruction Management team (RIM) and other Business Units. Key Responsibilities/Accountabilities To Provide Legal Advice and Mitigate Legal Risks Provide accurate, appropriate and case specific, expert and specialist legal advice to business units (including but not limited to research, vetting and/or drafting) in accordance with the business unit's mandate as well as the requirements of line management within Group Legal. Liaise as an intermediary between business units and external parties including external legal counsel. Partner with business to proactively address legal, financial and reputational risk at an early stage. Integrate legal risk capabilities to enable the Universal Bank Keep internal stakeholders up to date on progress of matters. Be accountable and keep to deadlines, by timeous and effective actioning of court orders (within a reasonable period), subpoenas (within 24 hours or within the time period stipulated in the subpoena, whichever is the earlier), investigation reports (within 48 hours) and other legal process or ad hoc queries (within a reasonable period or within the time lines stipulated in the legal process) despite capacity constraints and bearing in mind that certain tasks are often urgent and require quick turnaround. Attend court to testify as a formal witness in respect of summonses and subpoenas. Standardised Frameworks and Technology Enable an efficient legal operating model which aligns ways of working to deliver customised services in line with stakeholders' needs. Leverage technology to enable effective knowledge sharing and access to legal documentation. Assess, interrogate and review all sources of information so as to impart consistent communications to stakeholders which will streamline the information sharing process and add credibility. Keep internal stakeholders up to date on progress of matters. Be accountable and keep to deadlines. Time management and self-regulation when working inside and outside the office. Develop a streamlined framework and process in order to provide a seamless, consistent and standardized deliverable aligned to needs. Stakeholders and Customers Provide excellent and consistent stakeholder and customer experience. Add value to both internal and external stakeholders and retain good relations to guard against reputational and legal risk. Provide a seamless customer experience whilst still managing risk and ensuring that internal stakeholders treat customers fairly. Effectively manage and mitigate risk without exposing the bank and its customers to unnecessary risk, thereby increasing customer retention. Develop an in depth understanding of the affected stakeholder and partner with the right internal stakeholders across departments where necessary to reach a decision on the best solution for the bank. Assess, interrogate and review all sources of information so as to impart consistent communications to stakeholders which will streamline the information sharing process and add credibility. Keep internal stakeholders up to date on progress of matters. People and Culture Deliver excellent results with a professional, engaging, enthusiastic and committed attitude. Be a culture of support with the purpose of collegial success to set fellow colleagues up for success. Connect the internal bank legal community to ensure consistency and standards aligned to stakeholder needs. Share learnings and outcomes of external/internal training sessions with colleagues. Profitability Increase profitability through revenue growth as a result of effectively managing and mitigating reputational, legal and financial risk. Reduce losses through timeous and appropriate actioning of court orders, subpoenas, investigation reports and other legal processes. Effectively control and monitor spending and costs. Report operational risk issues which affect bank internal stakeholders and trends in the legal industry that may negatively impact on the bank. Negotiate legal fees with external stakeholders and ensuring the correct level of external legal resources are instructed. Ensure the timeous submission of invoices to business for payment and follow up when payment has not been made. Action court orders, subpoenas, investigation reports and other legal processes appropriately and timeously. Preferred Qualification and Experience Legal Honours Degree Admitted Attorney 3-4 Years - A comprehensive understanding of the legal environment and the application thereof in the business processes of the banking industry. An understanding of the regulatory environment within the Banking industry. Comprehensive knowledge of legislation and SBSA's risk and compliance universe. Knowledge of the full spectrum of bank products and services. Good understanding and application of Operational Risk, Credit Risk and Legal risk and /or Risk Management and Basel 2 3-4 Years - Comprehensive knowledge of SBSA's laid down policies and procedures relating to GFCC, RIM, Branch Network and other Business Units. A thorough working knowledge of Group Reference Guide and branch banking processes and procedures. A good understanding of the concept of process blue prints and their execution. 3-4 Years - A comprehensive understanding of cost management principles and practices. Understanding and application of people management processes. 3-4 Years - An understanding of branch network and interface between frontline service, responsive sales and support functions. Good understanding of banking procedures and systems and Personal and Business Banking operations. Good knowledge of transaction processes relevant to products and services offered to customers. 3-4 Years- Computer literacy, advanced working knowledge of how to access information via Internet, Intranet, SharePoint and Excel. Knowledge/Technical Skills/Expertise ..

Job Details Transactional Products & Services; This team is constantly working to extend our service capability and product range, consolidating our operations in established markets while expanding and extending in emerging markets. We divide our core capabilities into three product groups - Investor Services, Transactional Banking and International Trade Services. Job Purpose Manage the process of editing sales proposals and presentations to required quality and within deadline for TPS Sales teams. Support team with writing of proposals and executive summaries. Responsibilities include reviewing proposals for errors in grammar, punctuation, spelling and check documents for readability and style. This is a highly networked role that requires an ability to work under pressure and to challenging deadlines. Key Responsibilities/Accountabilities Responsible for editing proposals.Edit/proofread proposals for content, grammar, style, formatting and readability Edit proposals within customer defined timeframes Edit proposal input from a variety of stakeholders, typically involving contributions from Sales, Marketing, Product teams, Pricing, and Legal Rewrite proposal input to make it easier for readers to understand Support team with writing of proposals and executive summaries Edit existing and updated content from the content library Ability to coach sales teams and subject matter experts in persuasive writing and proposal best practice Contribute to department projects such as maintaining the content database, creating/updating proposal team tools and resources (templates, Salesforce information), etc. Identify gaps and work effectively across the organization to gather information Preferred Qualification and Experience Qualifications Minimum qualification 1: First Degree Field of study: Language Minimum qualification 2: First Degree Field of study: Communication Other minimum qualifications, certifications or professional memberships Bachelor's degree in journalism Experience Experience required 1: Transactional Products & Services Job Family: Editor Years: 8-10 years Experience Description: Proven ability in editing proposals within a complex business environment. Excellent English language writing, editing and communication skills. Detail orientated, able to prioritize, multitask and the ability to work well under pressure. Good understanding of the business. Good working knowledge of MS Office applications, especially MS Word and MS PowerPoint.Total number of years' experience: 8 years Knowledge/Technical Skills/Expertise Competency Label: Writing skills Competency Description: Good knowledge of grammar and punctuation rules and be able to express ideas clearly and logically. Proficiency Level: ADVANCED - Mastered the concept, able to act independently, provides guidance and training to othersCompetency Label: Language skills Competency Description: The ability to ensure that all written content has correct grammar, punctuation, and syntax. Proficiency Level: ADVANCED - Mastered the concept, able to act independently, provides guidance and training to othersCompetency Label: Communications skills Competency Description: The ability to communicate information and ideas in a clear and concise manner appropriate for the audience in order to explain, persuade, convince and influence others to achieve the desired outcomes. Proficiency Level: ADVANCED - Mastered the concept, able to act independently, provides guidance and training to others

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 manage and oversee the design, development and deployment of automated scoring (decisioning) solutions for Credit, incorporating risk predicting scorecards and Product rules) which support the Bank's Scored Lending operations across Africa Regions (AR). The automated decisioning and credit work flow solutions span across the credit life cycle, i.e. origination, evaluation, account management and collections. Key Responsibilities/Accountabilities Developing an automated scoring and decisioning capability framework : Develops the automated scoring and decisioning capability framework (in alignment with the overall AR Credit strategy) to enable all changes (run and change the bank) for automated scoring and decisioning across AR. Defines the processes, data and governance for the run the bank', ‘change the bank' and credit coding functions - scoring and decisioning flexibility needs to be built in, in order to align to the changing specific country requirements across AR (currently 15 countries). Consults with AR business units and Credit Heads to establish unique in-country requirements and determine the degree of alignment to the credit scoring and decisioning capability. Prepares business cases (to entrench scoring and decisioning capability) for approval and sign off by the AR business units and Heads of Credit (in-country). Continuously reviews the relevance of the scoring and decisioning capability framework and makes amendments as required. Embedding the scoring and decision capability framework (change the bank): Provides input to support centre / country for the development of the Business requirements (User stories) for scoring capability and new system developments unique to country (changing manual to automated). Ensures the relevant stakeholders approve the requirements before implementation to commence. Provides input into project charter (e.g., sponsor, stakeholders, budget arrangements, time lines, etc.) as guidance to in-country and centre teams including the feature analyst (in-country and centre). Reviews and approves the system specifications in preparation for IT architecture approval and solution design. Ensures that IT approve the architecture and end-to-end solution design and technical system specifications (TSS). Oversees and monitors the programme of work to ensure the delivery of the agreed solution. Provides regular feedback to stakeholders on the progress of programme delivery and manages expectations. Conducts training on the embedded scoring and decisioning framework solution developed per country. Ensures that workable solutions are built to enable the credit life-cycle (frontline / back office areas) to make automated credit scoring decisions in line with in-country and Scorecard Development team requirements / criteria. Participates in UAT of the scoring process (in-country and/or centre) and tests that the overall solutions adhere to the requirements (e.g., data, systems, process, etc.) Driving changes to the automated scoring and decisioning capability: Evaluates instructions received from CRMC to change the rules engine (e.g., affordability, credit policy and scorecard policy). Oversee the programme for the effective implementation of the required changes (this includes centre IT, in-country IT, business in-country and business in centre) - acts as interface between stakeholders to ensure a common understanding and drives the successful implementation.) Solution design and Implementation: Ensures that the coding requirements are understood by the coders by conducting ad-hoc testing to ensure that coding is done in line with scoring and decisioning solution requirements (new and/or changes). Review development status reports; implementation status reports and incidents status reports relative to coding and deals any exceptions / escalations appropriately. People management: Manages a team to ensure effective delivery of objectives for the area. Develops a high performing team by embedding the bank's performance process, regular performance feedback and coaching. Addresses poor performance. Motivates team members and ensures that they receive recognition for work well done. Maintains a succession plan for the team by reviewing the skills of the team at least twice a year and has career conversations with them. Determines development needs of the team and ensures that development opportunities (training, rotation, on-the-job learning) are budgeted for and executed. Interviews and recruits new members of the team, including determining the appropriate salary with input from the Human Capital Business Partner. Creates workforce plans for the area to ensure that current and future business requirements can be met. Such plans should be revisited at least twice a year. Uses workforce plans to obtain headcount approvals on an annual basis and as input into the financial budgeting cycles. Creates quarterly leave plans to ensure adequate coverage. Approves leave requests and leave sell requests. Monitors overtime on a monthly basis. Analyses reasons for overtime and creates actions to address the issues. When required, initiates disciplinary processes for team members. Resolves grievances raised by team members, escalates only if required. Agile Product Manager/Product Owner: Oversee and manage the end to end delivery of initiatives and Lending Solutions. Work closely with various teams and stake holder to provide direction. Oversee and manage the feature team to ensure delivery of solutions Stakeholder Management: Manage, develop and sustain effective working relations with stakeholders. Develop an appropriate strategy for the effective management of relationships with stakeholders. Ensure stakeholder engage to provide stakeholder feedback and guidance. Effectively manage stakeholders' expectations. Contribute to the strategic development of the Lending Solutions. Vendor Management: Facilitate and maintain vendor relationships between businesses and suppliers, negotiating contracts, creating vendor standards, and finding the best available vendors. Establish standards and guidelines for vendors, monitoring vendors to ensure these policies are being followed. Vendor managers negotiate new and existing vendor contracts. Regulator engagement with vendors to discuss new requirement or changes. Data Management: Oversee the design, develop and implementation of the data required from the datastore to the Scored Lending solutions. Ensure all scored data is stored in the Data Reservoir for portfolio reporting and scorecard monitoring. Liaise with various stakeholders to ensure the correct data sets are defined for development and implementation. Ensure best practise data management techniques are used when defining and storing data for stakeholder consumption. Governance: Oversee the governance process for the scored lending solution and ensure all element of governance is adhered. Ensure proper testing methods have been applied and all stakeholder have tested and provided their approval. All solutions have been documented and communicated to the stakeholders Preferred Qualification and Experience Post Graduate Degree-Field of study: Banking Post Graduate Diploma-Field of study: Information Technology 5-7 years Previous experience in a Retail Credit and Risk Management environment. Experience in developing credit life cycle and scoring solutions (e.g., origination, evaluation, account management and collections) and customer management tools. In-depth knowledge of mapping and managing business processes and data. 3-4 years Previous experience with overseeing the design, development and implementation of, data, workflow and scored lending solution. The incumbent must have the ability to translate business requirements into customer solutions. The individual must have a sound knowledge of IT principles to ensure that the solution meets the banks standards. Number of Direct Reports: 4 to 10 people. Travel to Africa Regions may be required. Knowledge/Technical Skills/Expertise Data Management Product Knowledge and Related Systems (Business Banking) Banking Process and Procedures. Process Analysis, Redesign and Continuous Process Improvement Financial Accounting and Financial Statement Analysis Written Communication / Documenting Change Management (IT) Stakeholder Management Technology Orientation Quality Assurance / Testing / Functional Analysis and UAT IT Risk Management Awareness of the Software Development Life Cycle (SDLC) / Design Software IT Applications IT Business Analysis IT Support

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 Software Engineer to join our 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 design, code, test, debug and correct programs in development environments within the Continuous delivery pipe lines as well as provide support and maintenance of computer systems and programmes. In addition, produce program specifications in accordance with the Cyclomatic complexity conducive to a technical area, and implement applicable enhancements as well as work effectively within a strict framework of Software quality assurance standards. Key Responsibilities/Accountabilities Adhere to Agile methodologies and follow Agile principles through work outputs and behaviours Strive 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. Collaborate with colleagues from different disciplines in a cross-functional team to deliver against iteration targets. Work in partnership with Business representatives (e.g. Product Owner, Product Manager) to ensure alignment and value to the customer. Manage work effectively as an individual and team member including the reprioritisation of backlogs and react flexibly to changing demands through - Managing their work using available resources and methodologies ensuring full team engagement. - Estimating the size and complexity of the work within the team and managing this appropriately. - Determining the technical design in their area of concern, within the architectural guidelines. - Driving team commitments to the work in every iteration or Program Increment. - Being responsible for value and builds to continuously improve the quality of deliverables. - Finding ways to continuously improve own and the team's delivery and value to the customer. Define and Develop application code Develop tier coding, business layer coding, interface development, service development and ensure creation of stored procedures, etc. as applicable for the work package / project. Drive CTS and customer specific coding standards, guidelines and best practices. Understand the database concepts and write efficient queries. Raise clarifications / issues / concerns regarding work output to the lead. Seek review from peer / technical lead periodically. Participate in setup activities for required environment setup. Deploy code build in testing environment. Conduct peer review during design, coding and testing. Complete documentation as per the scope. Prepare guidelines and checklist for development and testing activities. Provide feedback to design team. Share feedback with developers to check if code is as per requirements. Incorporate changes as per feedback. Provide necessary and timely status updates to the Supervisor / Technical Lead. Highlight any potential risks to the leads. Update traceability matrix for the work package developed. Mentor the Developers to help them solve technical difficulties in the course of coding. Follow the SCM policies set for project. Raise clarifications / issues / concerns regarding work output to the lead on time. Provide necessary and timely status updates to the Supervisor / Technical Lead. Highlight any potential risks to the lead proactively. Provide support on process audit activities. Adhere to process and tools (usage of cognizant 20, awareness of Quality Management System). Conduct Testing on various IT platforms 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. 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 project timelines for new developments and agreed service level timelines for repairing defects. Drive Continuous improvement Coach more junior developers on technical aspects of application development, controls, and documentation standards as well as on engaging effectively. Perform quality assurance on the work completed by junior developers. Quality assurance can cover code developed as well as supporting documents and test plans. Look actively for opportunities to shorten development times, improve skills of the team and improve cost efficiency of application development activities. Ensure that all component designs take into account all specified requirements and constraints. Provide support and production standby post go live. Preferred Qualification and Experience Qualifications and Experience: Bachelor's degree in a field requiring strong analytical and quantitative skills such as Computer Science Minimum of 4 years technical work experience in a team environment as a Java Developer Knowledge/Technical Skills/Expertise Competencies Required: Excellent problem-solving and analytical abilities Proven Java programming experience, preferably working on low latency, high throughput distributed systems. Strong grasp of core Java API's (data structures, concurrency, NIO etc.) Excellent communication skills Have an understanding of and experience with multithreading Experience with design patterns Must have excellent interpersonal skills, be flexible, enthusiastic The ability to work independently as well as a contributor within a team. An interest in the financial markets

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 form part of a team of specialists to create advanced customer, account, transactional and geographic insights and quantitative analytics. To create and continuously improve the Visual Analytics infrastructure. To contribute and execute on the projects defined to model and predict key parameters, trends and behaviour to support PBB SA in their strategic and tactical initiatives. Key Responsibilities/Accountabilities Quantitative analytics Provides pro-active and reactive insightful and impactful strategic and tactical quantitative analytics input for PBB SA, (e.g. tiering, high-growth, customer profiling, strategic segmentations, segment and sector-related analytics). Follows a clearly defined methodology for business problem solving with data driven insights and analytics. Develops statistical and mathematical models to understand the key trends and behaviours for PBB SA customers across channel, product, segment and industry. Delivers high-quality customer insights for analytical CRM (Customer Relationship Management) by means of propensity modelling and/or event triggers analytics; drives the implementation in the channel network and direct marketing campaigns. Performs correlation analysis and builds geospatial models connected to the economic environment so that one can understand when economies are growing or shrinking in certain geographies, assisting PBB SA in more targeted provincial and micro-market strategies. Conducts on-going maintenance and updating of the segmentation model and running of updates. Proactively proposes key opportunities and threats to relevant stakeholders based on key findings. Adheres to Agile methodology, where applicable. Development and utilisation of a visualisation capability Maintains the visualisation capability (i.e. via the built data mart) for PBB SA, and utilises this capability for quick business reasoning via interactive visualisation. This includes the continues development of the data mart in terms of: -Development of new features in the datamart. -Quality assurance and testing. -All financial information recon back to PMT financials. Applies the Visual Analytics capability by means of regular business interactions and workshops for problem and opportunity detection and resolution. This includes the utilisation of visual analytics approaches (e.g. problem detection with hypotheses formulation and testing, with possible initiation of strategic and tactical projects). Translation capability of Quantitative Analytics Translates gathered insights and analytical outputs into usable and understandable business speak - this includes adherence to guides on models and methodology used for translation, parameters applied and comparisons of insights derived against business criteria received (understandable / relevant / implementable, has business impact). Cleary documents all translated insights and analytical outputs in a manner which can be distributed to business, in a manner which is understandable from a technical and non-technical perspective. Stakeholder engagement Follows a formal stakeholder management framework, which includes the identification of stakeholders and their responsibilities. Actively engages with stakeholders to fulfil and deliver the Insights and analytics required by business. Ensures the coordination and reporting to and from all relevant stakeholders. People management Manages a team to ensure effective delivery of objectives for the area. Develops a high performing team by embedding the bank's performance process, regular performance feedback and coaching. Addresses poor performance. Motivates team members and ensures that they receive recognition for work well done. Maintains a succession plan for the team by reviewing the skills of the team at least twice a year and has career conversations with them. Determines development needs of the team and ensures that development opportunities (training, rotation, on-the-job learning) are budgeted for and executed. Interviews and recruits new members of the team, including determining the appropriate salary with input from the Human Capital Business Partner. Creates workforce plans for the area to ensure that current and future business requirements can be met. Such plans should be revisited at least twice a year. Uses workforce plans to obtain headcount approvals on an annual basis and as input into the financial budgeting cycles. Creates quarterly leave plans to ensure adequate coverage. Approves leave requests and leave sell requests. Monitors overtime on a monthly basis. Analyses reasons for overtime and creates actions to address the issues. When required, initiates disciplinary processes for team members. Resolves grievances raised by team members, escalates only if required. Transformation targets in line with RBB Preferred Qualification and Experience Mathematical Sciences Honours Degree IT and Computer Sciences Honours Degree Information Studies Honours Degree Engineering and/or Actuarial qualification Relevant Masters qualification is an advantage 5-7 Years Previous experience in knowledge discovery / data mining and customer intelligence role within a financial institution. In depth exposure to complex statistical and mathematical models associated with customer behaviours and trends (e.g., machine learning techniques). People management and project management experience. Experience in translating analytical outputs into business deliverables. Ability to deal with various stakeholders across a matrix environment. Knowledge/Technical Skills/Expertise N/A

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 new or enhanced rewards value proposition opportunities for defined segments. To execute and implement the approved loyalty and rewards propositions for defined segments. To drive the defined benefits of the loyalty and rewards programmes and to ensure that the programme assists with the required uplift targets of defined segments Key Responsibilities/Accountabilities Product management Recommends new rewards product propositions that will enable the delivery of competitive rewards and loyalty programmes and propositions to drive enhanced revenue from the existing customer base. Co-ordinates the business case development with the relevant stakeholders, including individual product profit inputs, financials and potential customer numbers. Defines key measurements of rewards product performance, success criteria, supporting tracking requirements and data required to enable analysis of the impact of the rewards and loyalty propositions within the defined segments. Identifies potential rewards product enhancements, provides these together with the business case for approval to the senior manager and leads the implementation of those approved enhancements. Annual review of rewards product proposition performance and update of Programme CVP as required. Prepares monthly reports on rewards performance and provides feedback to the senior manager where applicable on action plans and deliverables. Acts as an enabler to colleagues by providing them with relevant rewards MIS and information to optimise the sharing of rewards programme knowledge and identifies cross-sell and other leveraging opportunities. Proactively collects, maintains and analyses relevant industry, business and customer information to inform planning and setting of reward targets for stakeholders and vendors. Briefs Change Management and Learning and Development on all required updates for new or existing rewards product and training manuals to ensure an accurate and detailed product record is maintained. Completes Campaigns Briefs and provides to the L&R ECM team to ensure that BU Campaigns are timeously implemented. Monthly update of Campaign Initiatives tracking spreadsheet, with results. Proposition implementation Identifies Research requirements, completes marketing charter, briefs Group Marketing and analyses results to enable proposition development and/ enhancements. Compiles the Business Requirements Documents (BRD's) and obtains feedback from all stakeholders, to enable sign off. Provides input into the Functional System Specifications (FSS's) Participates in functional testing, to enable product sign off. Implements and executes the loyalty and rewards product proposition for the defined segments. Co-ordinates rewards product development in conjunction with Loyalty and Rewards Business Integration team to ensure final delivery of propositions. Defines and documents all detailed service requirements, attributes, features, pricing and process associated with new rewards product development based on the agreed product strategies. Investigates technical and financial flows as they relate to the Customer Value Proposition (CVP). Ensures documentation of product processes and annual reviews thereof to ensure programme efficiency. Ensures a close working relationship with all cross-functional product development teams, working with the Loyalty and Rewards Customer Value Proposition (CVP) fo PBB and Africa Regions, segment team, finance, operations, partner management, member management, governance, etc. Prepares the new product proposal product requirements/ Business Rules Forum documentation and the Operational Risk Assessments template for the New & Amended Business Products Processes& Services (NABPPS), to ensure that the new propositions can be presented by the Senior Manager, Product and approved by the NABPPS committee. Development and annual review of pricing strategy and submission of pricing paper to the relevant committees for approval. Stakeholder management Engages and networks with key stakeholders across the Standard Bank Group to identify and understand potential opportunities for value creation and value maximisation of existing SBSA customers. Actively manages and controls Service Level Agreements (SLAs) with stakeholders and vendors as they relate to the rewards value propositions. Identifies and establishes good partnership with vendors, internal and external stakeholders ensuring mutually beneficial relationships. Financial Sets and agrees to loyalty and rewards financial and sales targets (where applicable) for the rewards programme/s budget. Monitors Loyalty & Rewards sales targets monthly, takes corrective action by engaging with L&R Sales Manager and Channel where required. Provides feedback and suggestions for improvements on the sales process to the L&R Sales Manager Engages with Finance and actuarial company to develop the business case for new rewards value propositions providing inputs to forecast trends and expenses for these. Liaise with relevant BU finance teams to obtain profit inputs for uplift calculations. Formulation of budgets and submission for approval. Monthly monitoring of actuals to budget. •Monthly tracking of BU uplift, presentation of the Uplift results to BU's and agreement of actions to improve uplift. Business risk and compliance •Identifies risk and compliance management issues through consultation with stakeholders and approval received on all relevant deliverables. •Co-ordinates the negotiation and approval of rewards contracts in conjunction with Procurement, Legal, and Rewards. •Ensures relevant terms and conditions are drafted and approved as they relate to the rewards propositions. These terms and conditions are to be reviewed and updated at least annually. •Successful completion of all mandated compliance training. •Abide by TCF principles and ensure evidence is saved onto the L&R Sharepoint. People Management •Provide guidance and support on the new ways of work (NWoW) culture and the creation of empowered teams. •Integrate enabling functions as part of the business. •Provide guidance and assistance on the sourcing of critical competencies and skills required by the front line. •Manages a team to ensure effective delivery of objectives for the area. •Fosters collaboration between direct team members and the broader finance community. •Develops a high performing team by embedding the bank's performance process, regular performance feedback and coaching. Addresses poor performance. •Motivates team members and ensures that they receive recognition for work well done. •Determines development needs of the team and ensures that development opportunities (training, rotation, on-the-job learning) are budgeted for and executed. •Maintains a succession plan for the team by reviewing the skills of the team at least twice a year and has career conversations with them. •Interviews and recruits new members of the team, including determining the appropriate salary with input from the Human Capital Business Partner. •Creates workforce plans for the area to ensure that current and future business requirements can be met. Such plans should be revisited at least twice a year. •Uses workforce plans to obtain headcount approvals on an annual basis and as input into the financial budgeting cycles. •Creates quarterly leave plans to ensure adequate coverage. Approves leave requests and leave sell requests. •When required, initiates disciplinary processes for team members. Resolves grievances raised by team members, escalating only if unresolved. Measurements •Successful implementation of new product propositions for the defined segments and rewards CVP, as per the agreed roadmap. •Positive financial performance of the loyalty and rewards value propositions in line with the agreed business case/s. •Achievement of benefit realisation once the product proposition has been implemented. •Annual targets achieved as agreed with the business. •Achieve green risk and compliance audits. •Generation and ownership of accurate management reports. •Positive customer satisfaction feedback. Preferred Qualification and Experience Business Commerce Degree Marketing Degree 5-7 Years Experience in product management development 3-4 Years Experience in loyalty and rewards and exposure to product development Knowledge/Technical Skills/Expertise Developing Expertise Interacting with People Making Decisions Embracing Change Resolving Conflict Producing Outputs Taking Action Team Working Convincing People Financial Acumen Business Acumen People Strategy Development Risk and Compliance management Product Knowledge Verbal Communication Value Identification Interpreting Financial Statements Planning, Budgeting and Forecasting Customer and Client Focused Innovation Driving Delivery of Results Holding People Accountable Growing Capability Purposeful Collaboration

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 manage the implementation of the customer and partner management strategy that will govern the relationships between Standard Bank, its external programme rewards partners and customers. Accountable for the acquisition of new partners for the programme, as well as the management of the performance of partners within the programme. To ensure relevant and accurate engagement with all members and non-members in order to increase participation levels and loyalty sentiments, whilst ensuring profitable customer behaviour. Key Responsibilities/Accountabilities Partner management Develops and manages the implementation of the strategies for the rewards partners. Manages the execution of all business requirements relating to partner management and innovations relating to partner campaign management, partner earn rules and partner relationship tools. Manages the internal engagement plans to co-ordinate all related inter-departmental cross-functionalities within the rewards programme and the bank in order to provide a partner management solution across all functional units in Personal and Business Banking (South Africa). Ensures that processes and procedures are in place to support the delivery of the partner management. Ensures all partner contracts are renewed so that partners are retained within the programme. Manages the implementation of all projects/initiatives/scope of work for partner management; co-ordinates activities and takes relevant decisions within Partner Management, in conjunction with other business units in order to ensure the successful project and process delivery outcome(s). Ensures acquisition of new partners (for the programme and for all relevant banking business segments). Implements an acquisition strategy for identifying partners that need to be acquired for the rewards programme. Ensures all analytic, financial and strategic needs analysis for prospective partners is undertaken. Responsible for all engagements with Procurement, Vendor Management, Commercial Management, Legal, Advanced Analytics and any external vendors in procuring and acquiring new partners for the programme and all relevant banking business segments. Negotiates and concludes financially viable and profitable partnerships for the programme/s. Adheres to risk, regulatory and compliance requirements for the acquisition and procurement of partners. Partner performance and optimisation management Manages the return on investments (ROI) for all partners. Ensures local and international industry research is undertaken to identify and implement best practices to increase partner performance within the programme and enhance partner's ROI. Ensures the development of an effective set of measures for the success and tracking mechanisms for the partner management business unit. Develops an appropriate framework for the partner management team to pro-actively address deviations detected in performance against mutually agreed commitments with the partner and business. Creates and develops the overall partner analytics framework and feedback mechanisms, managing the implementation of concise, accurate/effective partner reporting and business information for partners and partner management. Manages operational changes necessary to enhance financial performance for all partners and business segments. Customer engagement plan Develops plans to meet the individual business unit requirements as required across Retail Banking; Business Banking; Wealth and Investment. Drives campaigns to assist with acquisition, activation, usage, cross-sell, tenure and dormancy objectives. Leads the development of customer personalisation methodologies, incorporating available internal and external inputs that specifically drive customer actions that result in cost-savings or profit-generating behaviours. Defines customer engagement business rules and communication priorities in line with Direct Marketing governance requirements, whilst leveraging existing communication functionality as much as possible. Originates reporting functionality enhancements by applying lessons learnt to existing processes, recommending improvements and overseeing upgrades. Shares MI (management information) and strategic insights with key stakeholders in order to enhance and inform decision making processes. Drives innovation by keeping up to date with industry best practices, technological advancements and communication channel improvements to ensure that the bank constantly advances communication relevance across all customer touch points. Defines data enhancement analytics and market segmentation requirements to support business unit personalization objectives. Customer engagement processes Ensures that the necessary processes are in place to support the delivery of the customer engagement strategy. Designs and introduces policies and procedures that improve efficiencies of the customer engagement lifecycle management and system. Oversees the efficient operation of both the loyalty and rewards campaign management tool and engine and websites. Monitors the effectiveness of communications through measurable changes in customer behaviour and data insights. Marketing Provides input into and oversees the formulation, development and deployment of a fully integrated marketing strategy for Loyalty and Rewards, in conjunction with Group Marketing. Responsible for the relationship with the Group Marketing executive and allocated marketing manager to ensure that all outputs meet the minimum business requirements and that efficient campaign and initiative alignment and leveraging is always achieved. Responsible for the management of the Agency relationships, briefings and output for all Loyalty and Rewards Direct Marketing, Banners and Social media. Responsible for management and feedback and tracking of Direct Marketing Campaigns deployed. Public Relations and internal communications Provides input into and oversees the formulation, development and deployment of the Public Relations and Internal Communications strategies for loyalty and rewards in conjunction with loyalty and rewards and marketing stakeholders. Responsible for the relationship with the Retail and Business Banking Marketing heads and allocated resources to ensure that all outputs meet the minimum business requirements and that efficient Public Relations and internal communication initiative alignment and leveraging is always achieved. Ensures that outputs provided align to, and effectively address, minimum business requirements. UCount Rewards: Travel Mall / Online Mall and web portal Travel Mall Ensures the procurement of the weekly and monthly travel deals. Manages the Banner briefings to agencies and the output thereof. Ensures that specials for the business units are managed and coordinated. Facilitates offers for the Wealth and Investment and Credit cards. Manages the Signature Travel Desk and the procurement of deals for this segment. Manages, monitors and updates Service Request and Contracts. Manages and monitors redemption of invoices. Reviews the monthly sales and web tracking and generation of monthly reporting. Online Mall Manages the Banner briefings to agencies and the output thereof. Ensures that specials for the business units are managed and coordinated. Manages, monitors and updates Service Requests and Change notes as required. Manages and monitors redemption of invoices for Savings and Investment Products and Mall Merchandise Reviews and manages the monthly Charity Reconciliations. Reviews and manages the monthly mall commissions and prepares the debtors schedules for dispatch to the vendor. Reviews the UCount Rewards Online Mall sales and web tracking and the preparation of monthly reporting. Web portal Designs, develops and implements / updates the UCount Rewards website. Manages content updates, banners and design on the current Retail Rewards and Business Rewards website. Designs and implements Polls and Surveys for deployment on the UCount Rewards web portal. Ensures that updates/enhancements are made in line with business requirements. Financial management Accountable for formulating and managing the delivery of the short- and long-term financial budget requirements and the financial performance for the customer and partner management function and its contribution to the overall business. Tracks and monitors expenditure within the parameters of the budget and revised estimates. Drives strategies to ensure achievement of member fee income. Ensures cost optimization is strategically aligned with the growth aspirations of the business unit. Accountable for the Profit and Loss (P&L) with regards to uplift of campaigns and impact of customer engagement. Carries out test and learn” campaigns and initiatives so that various customer responses can be monitored and their financial impacts applied to determine budget optimisation. Legal, risk and compliance Provides input into the programme's terms and conditions in conjunction with Legal and Compliance and provides sign-off once all minimum business requirements have been met. Provides inputs and serves on relevant forums when new legislation discussions take place that would impact the customer and partner engagement operating model. Manages SLA's, purchase orders and contracts to ensure vendor compliance. Adheres to the bank's regulatory and procedural requirements in managing and mitigating risks relating to customer and partner management. Assists in internal risk assessments for customer and partner management. Keeps abreast of pending legislations and the direct and indirect impacts to the overall business and to customer and partner management. Constantly reviews all risk indicators relating to customer and partner management to mitigate any financial and reputational loss. Identifies, monitors and mitigates any business continuity risk factors for customer and partner management. Stakeholder engagement and management Engages and networks within the bank, which includes Business Banking, Corporate and Investment Banking, Compliance, Procurement and Group Legal to deliver on key business objectives set for partner management. Manages the delivery of all projects relating to customer and partner management. Responsible for the active engagement, management and control of contracts and service level agreements (SLA) with internal stakeholders and external vendors in order to identify and remedy any inefficiencies and cost inefficiencies. Negotiates the contract with the vendors providing the travel portal, e-commerce and any related business solutions to customer and partner management. Manages the engagement with Enablement and Product teams and ensures business and proposition alignment with product and programme development needs. People Provide guidance and support on the new ways of work (NWoW) culture and the creation of empowered teams. Integrates enabling functions as part of the business. Provides guidance and assistance on the sourcing of critical competencies and skills required by the front line. Manages a team to ensure effective delivery of objectives for the area. Fosters collaboration between direct team members and the broader finance community. Develops a high performing team by embedding the bank's performance process, regular performance feedback and coaching. Addresses poor performance. Motivates team members and ensures that they receive recognition for work well done. Determines development needs of the team and ensures that development opportunities (training, rotation, on-the-job learning) are budgeted for and executed. Maintains a succession plan for the team by reviewing the skills of the team at least twice a year and has career conversations with them. Interviews and recruits new members of the team, including determining the appropriate salary with input from the Human Capital Business Partner. Creates workforce plans for the area to ensure that current and future business requirements can be met. Such plans should be revisited at least twice a year. Uses workforce plans to obtain headcount approvals on an annual basis and as input into the financial budgeting cycles. Creates quarterly leave plans to ensure adequate coverage. Approves leave requests and leave sell requests. When required, initiates disciplinary processes for team members. Resolves grievances raised by team members, escalating only if unresolved. Measures Well-defined and executed customer and partner management strategy. Achievement of all business, bank and financial goals / targets. Increased member activity within the programme as per annual member. Achievement of partner ROI for all partner management related campaigns and projects. Adherence to all legislation requirements i.e. TCF, POPI etc. Increased traffic / key metrics on the UCount Rewards Web portal and the UCount Rewards Online Mall and Travel Mall Improved levels of customer sentiment and engagement Stakeholder feedback Effective people management (e.g. performance appraisal discussions conducted; performance contracts in place; job descriptions in place and kept up to date). Preferred Qualification and Experience Business Commerce Degree Marketing Honours Degree 7-10 years Experience in customer and partner management, general business or relationship management. Experience in a loyalty and rewards environment with a demonstrated record of delivering revenue and business growth. A proven track record in partner acquisition, as well as in business and contract negotiation. Knowledge/Technical Skills/Expertise Adopting Practical Approaches Developing Expertise Interacting with People Making Decisions Embracing Change Resolving Conflict Producing Outputs Directing People Convincing People Financial Acumen Business Acumen People Strategy Development Risk and Compliance management Product Knowledge Verbal Communication Value Identification Interpreting Financial Statements Planning, Budgeting and Forecasting Customer and Client Focused Innovation Leading Courageously Driving Delivery of Results Inspiring Performance for Execution Growing Capability Seeking Deeper Understanding Purposeful Collaboration Influencing Others

Introduction The above position has become available for our Rosebank Garden Centre. The purpose of this role will be to maximize the sales of the Company's range of horticultural products by door, ensuring that the products are effectively displayed and customers are assisted in a helpful and friendly manner, offering expert horticultural advice as and when required. Assume overall responsibility of product quality in the outdoor area appointed to: Specification Ensures that customers are attended to promptly and professionally, are assisted in a helpful and friendly manner, and that they have access to any advice or information they may require at all times. Upsell and cross-sell to customers and inform them about promotions and seasonal stock in order to maximise sales. Regularly submits promotional ideas and continuously give input to management with regards to product promotions and customer feedback. Partake in promotions that require horticultural expertise, lectures to staff and clients as/if required. Identify problems such as diseases, weeds and insect pests in the outdoor area as well upon customer request. Ensure that all plants are correctly priced, labelled with botanical names and descriptions. Ensure that products on display are neatly and attractively arranged and not shop-soiled. Ensure that all plants for sale are regularly fed, watered, pruned and staked when necessary and are maintained in the highest quality. Advise nursery supervisor of application of fertilizers / insecticides / herbicides in the outdoor area as and when required. Requirements Horticulture or related diploma or degree or minimum two years relevant retail nursery sales experience Knowledge of customer service principles and practices