43 jobs found in simmonds

Job Details Group Shared Services: driving operational excellence, transparency and continuous improvement across our business, by leveraging scale, capabilities and innovation. Job Purpose On boarding of new potential Vendors which include the managing of Vendor compliance packs and requirements Off boarding of Vendors based on performance or Business requirements Vendor performance management. Quarterly site visits and Vendor performance engagement sessions Support Market research and identification of Industry trends for Vendor alignment. Support the implementation of vendor strategy alignment across regions and products. Create the consolidated vendor reports and MIS matrix dashboards Coordinate activities for Holistic vendor view (e.g. terminations, etc.) Assist line management with weekly, monthly and yearly Audits of Contracts, fee structures and Vendor compliance. Quality control of external Vendor collections (i.e. coordinate that calls are received from vendors for QA) General housekeeping with of administration in terms of insuring that Vendor packs and compliance are in order Drive communication between vendors and key stakeholders where necessary. Key Responsibilities/Accountabilities Vendor Compliance • Ensure that business adheres to all group vendor management standards, rules and guidelines in regards to Vendor Compliance Track and monitor all contracts are in place and are still valid Prepare and capture all contract information liaising with vendor management, the vendor, business units, procurement Collate compliance verification and certification documents from vendors ensuring that business adheres to all group compliance standards, rules and guidelines File and store all contracts and documents as per group regulations Track progress on contract expired and terminations and report on vendor compliance to timelines and quality People • Lean Engagement Manage Learning and Development Transformation 2- 5 years banking experience Business writing & presentation skills Good command of business English Computer Literate Good written and verbal communication Pays attention to detail Methodical Able to handle pressure and conflict Results orientated Able to retain optimism despite setbacks Self-motivated Analytical Preferred Qualification and Experience • Matric/Diploma/Law Degree ( Commercial Lawyer - 1st - Preference/Advantage ) A Risk management/Audit qualification would be an advantage • 2- 5 years banking experience Knowledge/Technical Skills/Expertise • Business writing & presentation skills • Good command of business English • Computer Literate • Good written and verbal communication • Pays attention to detail • Methodical • Able to handle pressure and conflict • Results orientated • Able to retain optimism despite setbacks • Self-motivated • Analytical

Job Details Group Shared Services: driving operational excellence, transparency and continuous improvement across our business, by leveraging scale, capabilities and innovation. Job Purpose In minimizing the risk of loss to the Bank, to manage the home loans outsource collections portfolio and facilitate for cost effective resolution of matters. Where the client has demonstrated an inability to cure their arrears or commit to repayment of the instalments raised and or meet future commitments arranged by the bank, to proceed with the necessary collections activities in order to minimize losses and maximise recoveries Key Responsibilities/Accountabilities Reduce the number of Non- Performing Loans Ensure accounts assigned to vendors are executed within turn around collections period Submit detailed commentary on each account to team leaders on a monthly basis Create a synergistic relationship with vendors in order to improve outsource collections Monitor vendor collections progress and requests via timeous and effective management of the various collections states Conduct weekly and monthly meeting with vendors regarding portfolio performance/action plans for /challenges etc, ensuring that the department targets are met. Analyse any obstacles in detail to determine the course Attend to meeting with clients and other stakeholders Build and maintain a sound and effective working relationships with team members and support departments, including credit partners Engage with business partners in order to establish and determine suitable resolution Recommend solutions to improve processes Customer service Request detailed customer statements if required Attend to customer queries through calls received internally and via email Amend debit order details if necessary Route accounts to correct areas if deemed necessary Attend to queries raised by vendors Comply with all regulatory requirements Attend to all compliance trainings Manage the Money Vetting of invoices sent by vendors against the SLA Refer invoices for payment Exercise caution to mitigate operational losses Reduce personal telephone expenditure Quality Assurance Conduct daily quality assurance checks on vendors Listen to calls weekly Provide quality assurance feedback to vendors Provide vendors with action plan on improvements Analyse the outsource management queues Ensure that the settlements queue is maintained by sending out communication to customers that we intend to cancel their bond Query management Ensures that queries are dealt with within turnaround times Escalate any out of SLA queries Preferred Qualification and Experience • Matric/Diploma/Degree Business Support Transactional Services :3-4 Years Exp 5 -7 Yrs Home Loans Collections exp Knowledge/Technical Skills/Expertise • Customer Understanding Business Acumen Promote Good Governance, Risk and Control Written Communication Product Knowledge • Email Monitoring • Influencing Others

Job Details Group Shared Services: driving operational excellence, transparency and continuous improvement across our business, by leveraging scale, capabilities and innovation. Job Purpose To achieve operational excellence and superior client experience through executing the end-to-end debt review activities and delivering in accordance with the organisational and industry strategies; rules and regulations. This includes Debt Review Originations, Certificate of Balance, Proposals, Legal, Restructures, Payment Management, Terminations, Reinstatements, Administration, Service Fulfilment, and Specialised Debt Review Teams Key Responsibilities/Accountabilities Originations To index all documents received on Metrofile , create a profile for all customers on DRX and ensure that the workflow is triggered to all functional areas within Debt Review via DRX within 24 hours of receipt Legal Admin To assume responsibility for matters which have been Set Down for Hearing and assess in line with the Credit strategy per product, allowing instruction on merit when needed. Identifying matters with attorneys on the debt review legal panel and ensuring that it is referred to a legal officer holding the attorney portfolio. To interact and follow up with the debt counsellors when required, in respect of complete court applications and determine their progress, ultimately obtaining court orders in terms of which the Bank must restructure the customers' debt review accounts. COB To access the host and collection systems across all Standard bank products and generate a certificate of balance, accurately updating the regulated specified fields with the customers financial information within the regulated 5 day turnaround time at 100% quality. This includes flagging the customer under debt review via Customer 1st and ensuring all related systems are correctly aligned and where applicable the correct hold codes are applied. Proposals To evaluate the risk of the proposed repayments of accounts across all products (DCRS and Non-DCRS), taking into account affordability and the bank's risk appetite and negotiate the best proposal where clients' needs and business needs are met. We always ensure that the debt counsellors are kept informed of the bank`s decision on whether the proposal is acceptable or declined. All requests must be actioned within specified turnaround time. Restructures To execute the restructuring process across all the SBSA products currently under Debt Review as per an accepted proposals or a court order. To ensure that all restructuring functions are completed accurately and timeously and in accordance to all SBSA product specific work instructions. This includes functions that are executed in other areas eg: inclusions , exclusions , termination leads , reconciliation calculations but are not limited to this. Payment Management To monitor and review payments in accordance with the payment management strategy and handle payment related queries received from Debt Counsellors, Payment Distribution Agents, Product Business Units and Customers. To verify schedules from Payment Distribution Agents to ensure customers payments reflect accurately on the SBSA product systems. To ensure that the payment allocation is accurate to mitigate the risk of terminating an account from debt review and prevent the bank from being exposed to reputational and regulatory risks associated with incorrect terminations. To conduct annual reviews of the accounts in debt review to increase the paying portfolio. Terminations/ Exits / Reinstatements To terminate accounts in accordance with the terminations criteria as per Industry and in line with the terminations criteria per product where customer has not complied with the agreement to make payments in accordance with an accepted proposal - s86 (10) or a court order - s88(3). , across all SBSA products in Debt Review. To complete the full vetting process prior to terminating. To ensure that all required notifications sent to the customer; Debt Counsellor and the National Credit Regulator (NCR) are received from Direct Marketing and Direct Channel before terminating an account. To exit a customer from debt review on receipt of a regulated document as notification from a debt counsellor to withdraw the customer form the process. To reinstate accounts, post terminations e.g. if customer can provide proof of payment in instances where the funds were paid into an incorrect account number etc. Legal To assume responsibility for matters which have been Set Down for Hearing and instructing attorneys on the debt review legal panel to oppose matters in line with the Credit strategy per product. To interact and follow up with the attorneys on a daily basis to determine their progress and ultimately obtaining court orders in terms of which the Bank must restructure the debt review customers' accounts. Service Fulfilment To receive and action queries and complaints from: External Customers - National Credit Regulator; Banking Association of South Africa; Credit Ombudsman; Banking Ombudsman; Hello Peter; Debt Counsellors; Payment Distribution Agencies (PDA); Customer Internal - Complaints Resolution Centre (CRC); Credit Rehabilitation and Recoveries; Standard Bank Executives To provide customer service excellence (service fulfilment and Inbound calls centre), accurate and timeous information, resolve both internal and external stakeholder queries and complaints to delight/please and exceed our customer expectation and minimize reputational and regulatory and financial risk to the bank. To escalate queries to the team leader where decisions outside of the levels of authority is required e.g. as it relates to operational losses and other financial losses to the bank. Stakeholder Engagement To assume responsibility of building and maintaining professional relationships with identified Debt Counsellors & arranging and co-ordinating regular engagements with identified debt counsellors which will entail educating and ensuring process adherence in line with the Bank's processes and policies. Further to identify gaps in our debt review processes, address such gaps with the relevant manager and suggest possible solutions to close such gaps. To assist with projects that will take place in Debt Review. Communications To regularly communicate any internal and external process changes or industry developments with both internal and external stakeholders. Administrative To provide administrative support and ensure compliance at all times with the provisions of the National Credit Act and execute in accordance with the Bank's policies and procedures, across all products. To perform the following administrative functions in line with policy: Debit order cancellations Debit order amendments Restructure debit order cancellations Refund within profile Refund bank guaranteed cheque Refund EFT Debt Review hold codes - DRARM Contract Agreements (obtaining documents) Reckless Credit (obtaining documents) Paid up letters Settlement figures Discounted settlement figures Write-off and abandonment to Product Outstanding balances Consent letter Service Court matter Account closures Statement requests *All Debt Review Consultants can and will be rotated within the functional areas according to the needs of the business as well as the skills of the consultant. Key performance measure • Key performance measures are aligned to the Key Result Areas (KRA's) from business scorecard as well as the business architecture measurement framework, as follows: - Efficiency and effectiveness metrics (Volumes handled; turnaround time; acceptance rate; payment allocations made) - Quality of the work - Customer satisfaction - Processing efficiency - All required Compliance training needs to be completed 100% Preferred Qualification and Experience • Matric/Diploma/Degree /Debt Review Certifications will be an advantage • Training Courses: Debt Review Role Based Accreditation / Advanced Debt Review Programme / Paralegal • A good knowledge of banking and business operations across all products and all the bank's systems. • Credit and Legal Knowledge • Good knowledge of Code of Banking Practice, NCA, CPA, and other governing legislature. • 1-2 years banking/business exposure in credit evaluations/Legal/ administrative/customer service role and/or debt review role Knowledge/Technical Skills/Expertise Knowledge • A good knowledge of banking and business operations across all products and all the bank's systems. • Credit and Legal Knowledge • Good knowledge of Code of Banking Practice, NCA, CPA, and other governing legislature. Technical competencies • Computer literate (MS Office, MS Excel, MS Word) and knowledge of product and collections and debt review systems, • Computer literacy, Services skills, accounting/budgeting skills, risk management ability, legal; credit evaluation skills,

Job Details Group Shared Services: driving operational excellence, transparency and continuous improvement across our business, by leveraging scale, capabilities and innovation. Job Purpose Follow up with trustees/liquidators Attend to queries/complaints within set timelines Attend to zerorising, refunds, invoices within TAT. Monitor and manage Vendors to maximise collections and proceed with litigation Ensure insolvent holds & lock up status are loaded on each account. To action accounts within set milestones and within TAT. To obtain 100% score on Productivity, QA To complete Compliance training before deadline Key Responsibilities/Accountabilities Operational Effectiveness Termination of Joint Ownership// Sale In Execution (SIE) Evictions Sale of Asset Follow up on progress VAF (Refer to Process Document for complete process to be followed) Locate the Asset Instruct a Tracing Agent to trace Sale of Asset UNSECURED PRODUCTS (Refer to Process Document for complete process to be followed) S81 report indicating there is unencumbered assets with efficient value to cover s89; or Minutes of the second meeting with confirmation from the trustees that there is no risk of contribution. If there is a risk of contribution and no solvent parties submit to Management to approve charge off ; Card Abandoned account (D5) once zerorizing is approved, send to Finance Department to close account. Should there be no Danger of Contribution - draft our claim documents Attach necessary documents and have claim documents commissioned; Advise Trustee / Liquidator that our claim is ready for collection or send to the Trustee / Liquidator our claim with their preferred method (registered mail / courier); Ensure that the claim is received and acknowledged by Trustee / Liquidator On receipt of L&D ensure its correct if not raise queries with trustee On receipt of final dividend or refund, ensure legal process completed and zerorise account within set timelines Attend to all tasks as when required All communication to be saved on relevant systems - notes of all telephone calls, discussions and written communication; All correspondence received with attachments to be saved on relevant system; Strict adherence to turnaround times with regards to written communication and return of calls; Attend to emails within 48 hours (excluding complaints). Attend to all Hello Peter/CRC queries/complaints & CRR/Executive queries/complaints by COB (sunset clause applies) Ensure account is in correct state and under correct user on relevant systems All relevant systems to be updated as and when information is obtained IE: Trustee details, 1st & 2nd meeting dates and all applicable CDS Follow up with trustees/liquidators • Attend to queries/complaints within set timelines • Attend to zerorising, refunds, invoices within TAT. • Monitor and manage Vendors to maximise collections and proceed with litigation • Ensure insolvent holds & lock up status are loaded on each account. • To action accounts within set milestones and within TAT. • To obtain 100% score on Productivity, QA • To complete Compliance training before deadline • CLAIM DOCUMENTS • To be attended to when claim requirements are met • VENDORS (ATTORNEYS) AND/ OR TRUSTEES - Monitor progress; • Escalate any concerns to TL/Manager or the direct report of the relevant person. • Capture relevant information, load insolvent holds and lock status on relevant systems • If Judgement is not obtained against surety or solvent party, proceed with litigation • Establish if there is Collateral and proceed accordingly. • Update relevant spread sheets • Obtain 98% for Productivity & 100% for QA Financial • Age: HL- No aged matters greater than 12 months within our control. • Detailed explanation required monthly on age matters over 12 months; VAF - No aged matters greater than 6 months BL - attend to 300day/540day monthly report PL /Card - no matters greater than 6 months. Fulfilment/PWO matters to be worked within SLA/milestones and written off as per the Write Off Policy. Refunds/Savings to be done within 72 hours of receipt of documents. Risk and Compliance • Comply with statutory, regulatory and supervisory requirements, to protect the reputation of the Group and to avoid legal action / sanction in respect of regulatory compliance matters • Adhere to Credit Policies and Procedures • Ensure that the workstation is cleared of all files and other material to ensure that no one has easy access to confidential Bank information • Hind sighting: 8/10 months ROT 10/10 months STE 100% = 12/12 months No risk to the bank • AIS Ensure all accounts are actioned per tasks on K2 Preferred Qualification and Experience • Matric/Diploma/Degree • Optional : SARIPA Certificate • Personal and Business Banking • 1 - 2 Yrs Home loans, VAF, PBL, Card Exp • Good knowledge of Banking practices, products, systems, policies and procedures • Good knowledge of insolvency and legal process • Administration • 1 - 2 Yrs Legal • Minimum 1 year exp in Insolvency Knowledge/Technical Skills/Expertise • Excel • Word • Outlook • Os2 • CACS • NT 2000 • CPS • Customer 1ST • E4

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, redesign, development, deployment, monitoring, and measurement of outcomes for all iterations of the Client Journey. Key Responsibilities/Accountabilities Customer Journey As-Is system understanding: Assimilates all value stream maps and provides visualisation for the entire client journey. Engages with stakeholders across the value chain, front to back, to gain an in-depth understanding of the as-is processes and pain points in order to identify potential opportunities for factors such as unit costs, labour input, process costs, economies of scale) as input into MVPs and overall client journey. Ensures best practices are analysed and understood to see how these can be incorporated and leveraged in the target state. Identifies value and non-value added activities in the journey ecosystem. Stays abreast of best practices for relevant processes and MVPs and informs the target state accordingly. Establishes baseline measurements of the as-is systemic state of Client Journeys. Defines customer pain-points, customer's emotional journey and unmet needs based on qualitative customer research and existing Standard Bank data. Obtains and interprets customer data in order to develop value propositions to be tested and developed. Reviews competitor baselining to establish best practice benchmarking in comparison to Standard Bank current state. Documents the as-is IT landscape in order to define the capability gaps as input into the development of the client journey. Defines high level opportunities for automation / intelligent automation (robotics). Solution redesign and delivery: Develops proposed end-to-end target state client journey (conceptual and detailed view). Works with Solution Architect to establish technology feasibility of all proposed features to ensure alignment to broader IT Architecture. Develops MVP (Minimum Viable Product) options: i.e. assessments (based on desirability, viability and feasibility) and recommendations. Establishes quick win automations from target state features. Ensures rapid prototyping of digitised or modernised solutions together with IT and UX - this involves: Creating scope of work for development Executing procurement management processes Showcasing prototypes Test and correct methods (Fail Fast) Facilitates functional analysis sessions Manages the stories (in JIRA), ensuring that all requirements are loaded as stories and ensuring the stories are assigned to epics. Works very closely with the User Experience and User Interface team to ensure that processes, wireframes and content are optimally intuitive to customers prior to development. Delivery of commercial outcomes: Develops business cases relating to the customer desirability, feasibility and bank viability. Demonstrates the impact of delivery on cost; revenue; customer and NPS. Review performance of deployed solution and prepares recommendations for enhancements. Risk management: Considers existing policies and procedures when designing and testing different approaches during concept stage, in order not to incur additional operational, credit and market risk. Ensures that the relevant risk and compliance assessments take place at all stages of development. Ensures signoff of all new processes / changes to the existing process (before being scaled) by the different risk and compliance committees (RCC's) including sign off from the business sponsor (for e.g. OSS). Ensures that relevant risk items are raised at the Product RCC for approval by the Product quorum & Risk Management. Application code: Provides input into specifications for systems functions, information flows, data loads, and implementation strategy. Works with colleagues in the team to produce outline system specifications using solution designs, functional specifications or technical specifications as input. Translates logical flow into granular component designs taking into account the solution design, performance requirements and existing systems. Provides input into risk analysis and development plans in order to consider the impact of design decisions. When required, works with data analysis colleagues to produce or update system or object data models and correlates these with corporate models. Facilitation and continuous improvement: Reaches mature levels on the Continuum model by providing guidance and knowledge sharing to work in a continuous delivery environment: Champion team learning and adopt suitable methodologies and practices Actively looks for improvement opportunities pertaining to all aspects of development activities. Ensures that all component designs take into account all specified requirements and constraints. Customer/User acceptance criteria and solution testing: Works with customer/users to develop acceptance criteria or test cases for the system. Conducts CIT, SIT and UAT testing and fixes detected errors. Testing can be done on own work as well as on that of other colleagues in the team. Develops technical support documentation within agreed standards. Ensures adherence to relevant methodology and technical change management procedures for all changes. Solution management: Responsible for current business services and processes (end to end value chain) specific to allocated journey. Reviews actual product performance findings across channels and provides guidance on the tactical implementation and /or any enhancements to deliver the desired results in the front line. Responsible for the resolution of operational and functionality problems on the different products and systems. Measures of success: Achievement of financial objectives Successful delivery and implementation of the client journey Increased user and customer take up Customer satisfaction ratings Adherence to risk and compliance requirements Preferred Qualification and Experience Qualification: Business related qualification essential BSc Comp Science, B.Com Informatics degree and / or business degree - preferred Experience: 5 - 10 years experience in translating business and functional requirements into technical specifications to create customer solutions. Experience in managing a product (incl. income statement) managing people; understands the banks products, processes and systems. Knowledge/Technical Skills/Expertise 5 - 10 years experience in translating business and functional requirements into technical specifications to create customer solutions. Experience in managing a product (incl. income statement) managing people; understands the banks products, processes and systems.

Job Details Operations: a range of essential and complex services to ensure processes across the bank work as effectively and efficiently as possible Job Purpose To assist head of department in achieving the division's goals by ensuring that a cost effective and high quality service is provided to our customers, by effectively controlling and monitoring tasks, procedures, processes and exceptions within the settlements section. Ensure that a top quality and true customer centric service is provided to both internal and external clients. To identify areas of risk and ensure that proper controls are in place to eliminate/ minimize risks and losses. Ensure ongoing training of staff with regards to Market Rules and Regulations, Directives and internal deadlines, hence ensuring adherence to the day to day processing of trades. To develop staff's performance and assist in career planning. Display teamwork and live by the Standard Bank Values. Key Responsibilities/Accountabilities Manage, control and monitor all aspects relating to Settlements in accordance with Market Directives, Rules and Regulations outlined in the South African Securities Market and clients' Safe Custody and Service Level Agreements. Oversee and manage all day to day operational matters. Ensure adherence to client service level requirements. Setting and maintaining of meaningful and accurate procedure manuals, job descriptions and Key Results Area ( KRA) for staff under your control. Ensure adherence to all regulatory requirements governing the day to day operations of your area of concern. Implement regular client calls to agree on and implement changes in service delivery. Develop Staff Performance Development Plans (PDP) and plan to realise same. Review and put Plans of Action in place for client evaluations, errors, penalties and client complaints. Analyse all trends relating to Operations and take corrective action. Provide accurate and timely input to Referral for Proposal (RFP), Service Level Agreements (SLA), and Referral for Information (RFI). Identify areas of risk and ensure that proper controls are in place to eliminate / minimize risks and losses. Drive the agreed initiatives as set out in the Investor Services Operations Objectives and ensure that set goals are met.Monthly Budget review. Attend client meetings and provide input. Attend market forums, as and when required, to contribute to operational discussions. Review, contribute, communicate and apply changes to market directives, rules and regulations. Ensure a consistent client services delivery Outputs and measures * Oversee and manage all day to day operational matters by conduction regular spot checks throughout the day to ensure settlements move forward. Ensure the provision of a high quality and cost effective service to both internal and external clients by accurately analyzing the clients' needs and market demands in order to define business requirements. Align service delivery and comply with client Service Level Agreements (SLA). Constant review of clients' needs and requirements. Engage with clients on a constant basis by conducting regular courtesy calls and operational client visits. Ensure and monitor turn-around times on client queries and adequate resolution and follow through of these by sub-ordinates. Ensure that subordinates' workload is effectively planned, organized, and controlled in order to meet deadlines. Continuous improve service offerings through innovation and a future orientation towards automation. Ensure that a competitive edge within the market is maintained through building, maintaining and retaining client partnerships. Demonstrate determination to achieve the right' business results, first time. Become accountable for all settlements trades being reported and settled on a daily basis within specified internal and market deadlines. Read all client related matters and provide feedback or input where required. Provide feedback, input and follow ups on action plans, call reports, client profiles and courtesy calls feedback. Represent Settlements at client meetings, market forums and internal forums. Review agent evaluations and share action plans with clients to improve scores. Lobby the market with client needs. Contribute to strategic discussions in respect of Investor Services Operations and Settlements. Ensure that we maintain a satisfactory rating for internal and external audits and that all operational risks and controls are managed. Ensure a control environment exist where there are zero operational errors and losses. These must be maintained through recording and tracking of errors and penalties logs with effective plan of actions. Test and review the Risk and Control Self-Assessment (RCSA) and Risk Management Framework (RMF). Strive to identify automated solutions to alleviate risks arising from manual intervention. Implement Daily Connect Sessions. Test controls for adequacy and effectiveness. Review and close out all audit findings and identify trends. Test solutions for significant findings and ensure implementation. To comply to International Organization for Standardization ( ISO ) with standardized and consistent document management, benefiting both clients and the Bank. Monitor control reports to ensure exceptions are dealt with in a timely manner Identify and report client behaviour resulting in fines. Test the adequacy and effectiveness of control reports. Be familiar and provide input upon review of the Disaster Recovery- and Business Continuity Plan. Identify areas of risks and ensure that proper controls are in place to eliminate risks and losses. Ensure staff compliance to all procedures to avoid penalties and losses to the Bank. Adhere to Strate Rules and Directives to eliminate any losses or penalties. Strive for automated solutions to alleviate risks arising from manual intervention. Understand and manage risk associated with the various settlement processes and its impact on the Bank. Constantly review procedure manuals and update where necessary, whilst ensuring adequate communication of changes made to all staff, thus reducing operational risk. Encourage staff to be flexible at all times but always considering the risks involved. Ensure that all Service Levels Agreements are kept in line with current service offerings and client requirements. Liaise with the Sales team to ensure updates wherever necessary. Monitor compliance with implemented controls and procedures in line with Service Level Agreements. Ensure that Settlements teams are informed of all new and reviewed Service Levels Agreements to avoid penalties or losses to the Bank.. Accurately track and discuss Management Information Statistics ( MIS ) in terms of Non Straight Through Processing stats, penalties, enquiries from all stakeholders, volumes, staff attendance, Ensure leave planners are in place for your specific area and reconciled with PeopleServe. Effectively control telephone cost, overtime, taxi cost and all hardware cost. Ensure that staff members are adequately trained in terms of duties to be performed.Ensure that Codac items are completed at the specified timelines and escalations are avoided. Quarterly review Codac checklist in order to ensure adequacy and relevance. Quarterly review of all internal reports and checklist in order to ensure adequacy and relevance. Perform semi-annual control reviews. Perform quarterly review of appropriateness of Key Results Indicators. Perform a bi-annually review of the Operations Business Continuity Plan documents in order to ensure adequacy and relevance.Ensure the adherence to procedures Outputs and measures Ensure the monitoring and auctioning of exceptions queues and that the appropriate action is taken. Ensure all reports from Helpdesk are actioned as per laid down procedures. Perform regular follow ups on all exceptions to ensure that all trades are in a correct status as at end of day. Ensure that follow-ups and follow-throughs, on all outstanding issues, client queries, and internal queries are dealt with and responded to within the agreed timelines. Ensure that updated authorized signatory lists are in place and that the correct verification and procedures are adhered to. Ensure the adherence to market Directives, Rules and Regulations and in the process eliminating possible penalties being levied against the Bank. Manage and control all areas of risks as identified. Display a sense of urgency and thorough planning, prioritization in order to meet all deadlines. Ensure all manual controls are followed and adhered to in order to eliminate and minimize risk exposure. Ensure the provision of a high quality and cost effective service to both internal and external clients by accurately analyzing the clients' needs and market demands in order to define business requirements. Building and retaining effective relationships with clients through participating in regular courtesy calls. Continuously improve service offerings through innovation, and a future orientation towards automation.Ensure costs are effectively managed and controlled Outputs and measures Monitor and track trends in overtime and absenteeism. Analyse and understand these trends and implement corrective action. Ensure that monthly taxi slip requisition process is adhered to. Monitor monthly telephone bill management and expense recovery. Monitor Internet usage and associated costs. Monitor Stationery cost control and take appropriate action. Ensure costs to the Bank are kept in line with the budget by constantly monitoring and controlling all expenses.Manage and control aspects relating to Strate /Johannesburg Stock Exchange. Outputs and measures Ensure the aadherence to Strate Rules and Directives to eliminate any losses or penalties Manage exceptions identified by the internal- and Strate Helpdesks Managing and escalating of settlement delays Manage and escalate of any delay in Swift message flows between Standard Bank and Strate and the Johannesburg Stock Exchange ( JSE ) Liaise with the Compliance department and head of department when uncertain of any regulatory requirements Ensure the developing and training of staff Outputs and measures Ensure that succession planning is done within your immediate area and create development plans for the targeted individuals. Ensure that staff members attend and complete all required compliance training Ensure that monthly/quarterly discussions are held with all staff members both in a group or individual basis with development areas being the agenda point. Plan/discuss and arrange applicable training per staff member. Liaise with training department in an effort to arrange the required training. Reward and recognise staff members that go beyond the call of duty. Ensure that all staff attend and complete CIB Compliance training Preferred Qualification and Experience Qualifications Type of qualification: First Degree Field of study: Business Commerce Type of qualification: Management Development Certificate Field of study: Generic Management Experience Job Function: Business Support Job Family: Investor Services Years: 5-7 Years Experience Description: Experience in Custody Operational business Thorough knowledge of the South African Securities Market and related entities viz., Johannesburg Stock Exchange (JSE), Central Securities Depositaries (Strate), Transfer Secretaries and Issuers. Working knowledge of related functions, such as, Swift and Standard Bank's Custody system and the Centralized Messaging Front End. Good understanding of Investor Services products and services. Knowledge of South Africa's Exchange Control Rulings with specific emphasis on those relative to Securities activities. Knowledge of the Johannesburg Stock Exchange rules, Directives and Market Rules and Regulations. Have a good understanding of all settlement related functions. Have a good understanding of Securities Services Tax (STT) Have a good understanding of the various departments within Investor Services and knowledge of their interactions. Fair understanding of IS Online or Standard Bank online applications relevant to custody operationsJob Function: Business Support Job Family: Investor Services Years: 3-4 Years Experience Description: Managerial experience Sufficient technical, business and process knowledge relative to the securities industry in order to ensure effective management of areas within Domestic Custody. Demonstrate the ability to communicate with clients, peers, subordinates and superiors in writing, using a professional and businesslike manner across all levels of Investor Services. Ability to read, analyses, and interpret common technical journals, agreements, surveys and other legal documents. Ability to respond to common inquiries or complaints from customers, regulatory agencies, or members of the business community Ability to manage teams Knowledge/Technical Skills/Expertise Competency Label: Processing (Settlement process) Competency Description: Knowledge of confirmation and settlement processes, as well as exchange / matching (OTC) processes / tools, rules, systems, cut-off times and implications. Proficiency Level: ADVANCED - Mastered the concept, able to act independently, provides guidance and training to others Competency Label: Processing (Settlement system) Competency Description: Knowledge of settlements methods or systems (e.g. SAMOS, CLS etc.) as well as specific knowledge of payment cut-off times and implication of late payments made. Proficiency Level: SEASONED - Applies concepts without requiring supervision, able to provide technical guidance when required Competency Label: Processing (Manual Deal or Trade Processing) Competency Description: Working knowledge of situations and processing steps where manual processing of entries is required, understanding and ability to comply with specific authorisation required for manual processing and the ability to process manual entries where required. Proficiency Level: SEASONED - Applies concepts without requiring supervision, able to provide technical guidance when required Competency Label: High Involvement Facilitation Competency Description: The ability to facilitate a session by dealing with ambiguity. The ability to elicit specific behaviour, change and influence attitudes, viewpoints and values by adapting style. Encourages debate and difference in opinion, integrates thoughts, objectives and problems. Proficiency Level: BASIC - Applies elementary concepts to develop activities under supervision Competency Label: Processing (Deal or trade Life cycle) Competency Description: Knowledge of operational aspects of products and deals including timing and execution of operational process flows throughout the lifecycle. Proficiency Level: ADVANCED - Mastered the concept, able to act independently, provides guidance and training to others Competency Label: Process Governance Competency Description: The ability to create mechanisms to ensure that designed processes are implemented correctly and that process changes are made thoughtfully and taking into consideration the impacts on people, other processes and technology. Proficiency Level: BASIC - Applies elementary concepts to develop activities under supervision Competency Label: Heart of Customer Experience Competency Description: Within the Standard Bank Customer Experience Framework, the ability to treat the customer with respect and dignity, at a personal level, in a positive and friendly manner... Proficiency Level: PROFICIENT - Clear knowledge and application of the concept Competency Label: Active Listening Competency Description: The ability to question, probe and determine all the information required in order to resolve enquiries from customers. Proficiency Level: PROFICIENT - Clear knowledge and application of the concept Competency Label: Coaching and Mentoring Competency Description: The knowledge and skills required to direct, instruct, and train an employee/s with the aim to fulfil a goal, in order to develop specific skill/s in an enthusiastic, motivating manner. Proficiency Level: PROFICIENT - Clear knowledge and application of the concept Competency Label: Learning and Development Implementation Competency Description: The ability to translate learning strategies into practical implementation actions and the monitoring of progress against these plans. Proficiency Level: PROFICIENT - Clear knowledge and application of the concept Competency Label: Performance Management Competency Description: The ability to apply processes and principles related to performance contracting, rating, rewarding and improving employee performance. Proficiency Level: PROFICIENT - Clear knowledge and application of the concept Competency Label: Employee Advocacy Competency Description: The ability to maintain the balance between employer and employee needs while maintaining a focus on a fair and empowering work environment. Proficiency Level: BASIC - Applies elementary concepts to develop activities under supervision Competency Label: Applications: Microsoft Office Suite Competency Description: Ability to use Microsoft Office: Word, Excel, PowerPoint and Outlook.. Proficiency Level: BASIC - Applies elementary concepts to develop activities under supervision Competency Label: Industry Knowledge Competency Description: Expertise on the specific client industry that is covered by the role.. Proficiency Level: BASIC - Applies elementary concepts to develop activities under supervision

Job Details Standard Bank is the largest bank in Africa and our highly visible brand, award-winning service, and strong global presence helps us maintain our market-leading position. We place huge value on the talent of our people to drive our continued success, and to support our plans for growth. We now need a talented and resourceful individual to help us fulfill our business objectives and build customer loyalty. Job Purpose To ensure the correct profiling of data sets for verification and execution are produced for systematic remediation across the PBB SA landscape. To ensure the development of code and run scripts in an analytics environment (e.g., SAS) for production data to determine appropriate data sets for remediation due to incidents and/or migration / business initiatives. Key Responsibilities/Accountabilities Design and build data extract solutions Engages with relevant stakeholders and runs the appropriate joint application design sessions (JAD) in order to determine the most appropriate extracts and remediation tactics. Allocates work to the rest of the team and ensures the quality of code developed. Designs optimal scripts to ensure summary data sets are produced in order to alleviate duplication in profiling activities. Identifies the most appropriate data sources and guides the developers accordingly. Ensures that analytics solutions to generate data sets for bulk data updates are developed (e.g., BP replication errors, enrichment of data, uploading mined data source of funds, etc.). Ensures that the status of systematic remediation updates executed is reflected on the DQM dashboards. Verify data sets for remediation update Gathers business and IT requirements in order to determine the technical approach to produce data sets. Provides support and guidance through quality assurance of data sets produced by the developers. Resolves escalated data issues raised by the Verification and Execution Consultants. Ensures that data anomalies identified in the verification process are logged for monitoring and future remediation. Monitoring and reporting Ensures that the Kanban boards are up to date and visible for a stakeholders. Ensures that requirements tools are updated and all necessary governance artefacts are recorded timeously. Requirements management Ensures adherence to governance requirements and raises change requests (via Remedy) to execute the required updates in production. Ensures that assigned requirements (as logged on JIRA) are reviewed and loaded with relevant actions / subtasks in order to fulfil the requirements. Ensures that approval is obtained from the Data Stewards and recorded in the requirements system (JIRA) prior to execution of the systematic remediation. Proactively drives stakeholder awareness on development and/or updates. Preferred Qualification and Experience IT and Computer Sciences Degree 5-7 Years SAS development experience with extensive development lifecycle experience. Experience in running JAD (requirements gathering) sessions. Understands data base development and integration tools in an integrated environment. A good understanding of the bank's data from customer to products and transactional information. Knowledge/Technical Skills/Expertise Interpreting Data Making Decisions Articulating Information Providing Insights Directing People Team Working Interacting with People Checking Details

Job Details Operations: a range of essential and complex services to ensure processes across the bank work as effectively and efficiently as possible Job Purpose The purpose of the job is providing management oversight to the securities lending settlements team and the securities lending corporate actions team, to ensure that client service level agreements in line with the service and product offering is met. The incumbent will ensure that all processing is performed within the rules and directives as legislated, regulated and applicable within the markets that the product is offered. The incumbent will also be responsible for implementation of all people management practises and policies that is defined by the group as it relates to the securities lending department. The incumbent will also be responsible for the implementation of the Banks risk management practises within the department. Key Responsibilities/Accountabilities Client and Stakeholder Engagement Continuously improve and maintain service offering through regular interaction with both the domestic and international client base Ensure Monthly conference calls or client visits to manage and build client relationship and obtain feedback on service levels Provide monthly reporting of client calls and meetings to Management to ensure transparency Ensure Reporting of Operational Performance of Department to IS Ops Head in the required format on a monthly basis Reporting to key stakeholders via key metrics is critical. Develop strong relationships with business and enabling functions Attendance of Market Forums Attend all market forums relevant to the area of responsibility and as requested by his/her line manager. This will include ASISA (Association for Savings and Investments South Africa) and SASLA (South African Securities Lending Association) forums. Attend all industry working groups scheduled in the market related to Issuer Services and Securities Lending Active participation in industry forums and workgroups by continuously assessing market conditions in an effort to improve processes, create efficiencies and alignment to global best practise Drive change for respective product(s) Identify Internal System changes and report to BIS (Business Integrated Solutions) Prioritize System Changes in line with the business unit priorities Identify, analyse and communicate Client Impact of change initiatives in the market and internally. Drive changes in the market through active lobbying efforts in order to represent business and client interests Drive change internally by sponsoring and participating in key internal and external change initiatives Lead problem solving and change management for system challenges for the department to ensure resolution limiting operational and client impactRegular review, measurement and improvement of objectives set for the area of controlActive review of departmental goals, objectives and supporting initiatives by introducing and maintaining effective tracking mechanisms and reporting Arrange feedback sessions on a set frequency and ensure attendance by all key stakeholders Provide feedback to key stakeholders and interested parties on a regular basis to represent progress of objectives being achieved and key initiatives in progress Put corrective measures in place where targets are not met for departmental Goals and ObjectivesMonthly Review of Income Statement Obtain and Review Income Statement on a monthly basis Ensure that Controllable costs are kept to a minimum and in line with budgets Identify huge variances up or down and provide feedback Ensure that fines and losses are kept to a minimum Review of market documents and provide comment in line with client, business and market interests to improve product offerings where possible Accountable for input and sign off for all Internal and External Business Requirement Specification documentation Ensure Active communication on Client Market development changes Ensure that documents have been prepared and reviewed in preparation of Client Due Diligence visits Analyse market trends and behaviours relating to the product Understand client changing needs through regular engagement with clients and key stakeholders Recommend changes and efficiencies to Operations Management and Product team Risk Management of all operational and market related processes Implementation of risk management practises Identify areas of risk and ensure that proper controls are in place to eliminate / minimize risks and losses Monthly Review and reporting of all key risk indicators Quarterly Review of RCSA (Risk Control Self-Assessment) document and update as required Ensure that areas of risk identified have appropriate mitigations in place and that these are properly documented in Procedure Manuals and Job Descriptions Building steadfast relationships at all levels Ensure regular Interaction with key stakeholders at Strate - Share Transactions Totally Electronic Ensure regular Interaction with key stakeholders at JSE - Johannesburg Stock Exchange Ensure regular Interaction with key stakeholders Internally through frequent engagement sessionsReview of all client documentation with accurate and comprehensive input (RFP/RFI/SLA)Review and Sign off input to client documents and correspondence (RFP/RFI/Due Diligence Feedback) Review and Sign Off All Service Level Agreements with clients and discuss with staffEnsure Staff Training and DevelopmentImplementation of Banks people management practises Ensure that all staff Personal Development Plans are updated and that all training initiatives are implements Ensure that Succession Planning is defined and in place and that the appropriate individuals are identified and upskilled Talent management Succession planning Preferred Qualification and Experience Qualifications Minimum qualification 1 Matric Minimum qualification 2 Degree or Studying towards a degreeMinimum qualification 3 Strate Compliance Examinations Preferred qualification 1 BCOM Degree Experience Years: More than 10 years Experience Description: Thorough knowledge of the Securities Market and related entities viz., JSE, Central Securities Depositary, Transfer Secretaries and regulations. Detail understanding of Investor Services products and services. Knowledge of SA Exchange Control Rulings with specific emphasis on those relative to Securities Activities. Detail knowledge of JSE and Strate Rules and Directives. Have a detail understanding of all settlement related functions. Have a good understanding of Issuing Services Product. Have a good understanding of Financial Statements Knowledge/Technical Skills/Expertise Competency Label: Processing - Settlement process Competency Description: Knowledge of confirmation and settlement processes, as well as exchange / matching (OTC) processes / tools, rules, systems, cut-off times and implications. Proficiency Level: ADVANCED - Mastered the concept, able to act independently, provides guidance and training to othersCompetency Label: Processing - Settlement Systems Competency Description: Knowledge of settlements methods or systems (e.g. SAMOS, CLS etc.) as well as specific knowledge of payment cut-off times and implication of late payments made. Proficiency Level: PROFICIENT - Clear knowledge and application of the conceptCompetency Label: Client Engagement - Business Case Competency Description: The ability to plan and communicate a business case to support the intent to engage with a financial transaction with a qualified client or to align a new or existing product range. Proficiency Level: PROFICIENT - Clear knowledge and application of the conceptCompetency Label: Processing - Exceptions Handling Competency Description: The ability to process complex transactions or client requests where standard operating procedures do not cover the type of activity. Proficiency Level: PROFICIENT - Clear knowledge and application of the conceptCompetency Label: Client Engagement - Industry Knowledge Competency Description: Expertise on the specific client industry that is covered by the role. Proficiency Level: SEASONED - Applies concepts without requiring supervision, able to provide technical guidance when requiredCompetency Label: Processing - Trade Lifecycles Competency Description: Knowledge of operational aspects of products and deals including timing and execution of operational process flows throughout the lifecycle. Proficiency Level: PROFICIENT - Clear knowledge and application of the concept

Job Details Cash & Everyday Banking Job Purpose Accountable for building new solutions within the allocated target client journey and effectively managing the end-to-end flow of all run the bank changes, in line with growth, entrenchment and digitisation priorities. Driving and executing the strategy in achieving: (1) New revenue growth opportunities in the Affluent target market; (2) Improving cross-sell and entrenching customers to drive growth; (3) Digitizing the servicing of clients (i.e. removing friction experienced by clients and staff given manual, paper based and or outdated processes); & (4) Improving the staff capability that services customers to enable service excellence. To lead a multi-disciplinary, multi-skilled, integrated team to deliver the target state client journey (i.e. assessment of the current state, re-imagine the journey, build solutions, scaling of solutions and maintenance thereof). Responsible to lead a multi-disciplinary and multi-skilled team to build the selected features / solutions within the client journey across multiple platforms and systems. Key Responsibilities/Accountabilities Develop and continuously review feature / solution build Lifecycle management and maintenance Lead teams to deliver features within the client journey Deliver solutions across the back, middle and front office and IT systems for the client journey Communicate stakeholder needs and align with stakeholders Financial outcomes Risk management Scaling of feature / solution People management Preferred Qualification and Experience Qualifications: Business Commerce Degree / Equivalent (i.e. Financial Management Sciences, Accounting, Informatics or BSC etc.). Honours Degree Preferred. Experience: 7 - 10 years' experience in managing product and solution delivery, delivering business value, managing teams and managing IT projects with multidisciplinary teams. Experience in effectively managing relationships across the value chain to deliver a programme of work. Experience in effectively managing front to back delivery teams i.e. business, specialised functions (SMEs) and IT delivery. Strong business and product background. Strong technical / IT understanding preferred. Knowledge/Technical Skills/Expertise Experience in managing product and solution delivery, delivering business value, managing teams and managing IT projects with multidisciplinary teams. Experience in effectively managing relationships across the value chain to deliver a programme of work. Experience in effectively managing front to back delivery teams i.e. business, specialised functions and IT delivery. Strong business and product background. Strong technical / IT understanding

Job Details Operations: a range of essential and complex services to ensure processes across the bank work as effectively and efficiently as possible Job Purpose The successful candidate will be fully accountable for all inputs of client's monthly, quarterly annual financial reporting deliverables. This would also extend to relationship management with key external stakeholders including client's auditors. Key Responsibilities/Accountabilities Determine and execute the strategic plans of the business Manage a team of managers to successfully deliver on the contractual obligations of our clients Maintain and foster client relationships and regular engagement Implement robust automated solutions to routine/ mundane operations tasks Keeping abreast with Market changes with regards to Pension Fund reporting requirements Apply logic & ability to resolve queries. Have a full understanding of Fund Accounting & take initiative in improving processes. Attend & meet with Clients. Ability to run with client meetings, requests & enhancements. Manage & motivate a team in an extremely pressurised environment. Prioritises work for optimal output and assists in overcoming technical/operating problems. Audits work against market and professional business standards. Assumes personal accountability for team performance, whilst encouraging individual staff responsibility and contribution. Responds proactively to fluctuations in the quality and quantity of team outputs. Uses project management methodology to manage tasks Manage key stakeholder expectations: Sales, Product and relationship management teams Preferred Qualification and Experience A relevant honour's degree in commerce, accounting or finance, with a strong understanding of financial markets and financial instruments. CA qualification would be added advantage A minimum of 5 years accounting experience within an investment operations environment Annual reporting, IFRS reporting experience, including valuations on various financial instruments Minimum 5 years Management experience Knowledge/Technical Skills/Expertise Excellent written, verbal communication and organization skills. Ability to build strong interpersonal relationships with staff and clients. A responsible, accountable and enthusiastic team player. Independent and proactive role model for staff and colleagues. Attention to detail.

Job Details Operations: a range of essential and complex services to ensure processes across the bank work as effectively and efficiently as possible Job Purpose Develop the strategy for the Fund Services business in South Africa and Africa regions Lead a large and diverse Operations team across locations in South Africa and potentially across geography to deliver the required service to clients in South Africa and across Africa regions Participate in the Investor Services and TPS Operations management forums as applicable Participate and represent Fund Services Operations in the Investor Services South Africa management team Participate in senior and key client engagement e.g. GEPF, MIBFA & Liberty. Key Responsibilities/Accountabilities Develop an optimal and sustainable Fund Services Operations Develop a 3 to 5-year strategy for the Fund Service Operations, covering South Africa and Africa regions Influence Line Managers, to integrate the Fund Services Operations into IS Operations and broader CIB Operations Leverage the leadership and capability of the IS Operations and the broader CIB operations team to drive optimisation and digitisation of the Fund Services Operations Influence and drive the transformation of the FSO operating model through the use of technology, consolidation of functions across teams and simplification of processes across teams and functions Develop a fit for purposes, flexible and cost-efficient Fund Services operations to support the Fund Services business in South Africa and Africa regions in the medium to long term. Develop and position the fund Services Operation to support expanded Fund Services capability in South Africa and Africa Deliver a cost-efficient operation Influence and encourage Line Managers to drive the cost discipline within the Fund Services Operations team to ensure that costs are managed within budget and within Cost to Income ratio targets of the Fund Services business. Structure and lead the team to ensure optimal use of resources and technology Drive and influence the decision making on the following: Decision making on investment spend and costs and where and what to allocate budget on People decisions: decisions on capacity, hiring, firing, training/development Influence and inspire superior delivery to clients Inspire and influence a client centric culture in the FSO team Encourage and influence the FSO management team to deliver exceptional service to our clients Establish and build relationships with senior Operations stakeholders at key clients e.g. GEPF, MIBFA, Old Mutual, Sanlam. Manage Operational and Regulatory Risks Lead and influence Line Managers to deliver the Fund Services Operations within the internal operational risk parameters. Drive a culture of doing business the right by encouraging and enabling the FSO management to team to deliver operations in line with the control objectives as articulated in the annual ISAE 3402 audit Encourage and enable the FSO Management team to execute operational delivery in the right way and to ensure that operational delivery is in line with internal policy requirements and external regulations were applicable Lead Strategic Initiatives and Investments Lead and manage strategic, large scale change initiatives such as upgrading/replacement of operating systems, changing of business operating models etc. Develop a strategy and plan to support the insourcing of Fund Services operations from Africa Regions. Lead and drive operational delivery Influence and enable the FSO Management team to develop, implement and monitor operational plans to ensure operational delivery on the following functions in South Africa and Africa regions: CIS Trustee administration - trade capture, cash and asset reconciliations, and client services. Core Investment administration - fund accounting, trade capture, cash and asset reconciliations, corporate actions, and client services Liberty administration - Replication function, data and valuations and client servicesLead a Diverse Fund Services Operations team across locationsProvide clear mandates with corresponding decision making and accountability for team members. Partner with Head of Investor Services Ops and HC partner in delivering the end to end HC value chain. Participate and provide input into the development of the Fund Services Operations team's learning and development program and sponsor the execution. Drive and own Talent Identification and Management by identifying talent for development and use reward and recognition framework to address threat to Talent Retention Focus on consciously recognising performance through the reward and recognition framework, ensure open conversation around performance and link reward to clear business outcomes Deliver against the learning and development plan to ensure a skilled, competent, high performing and engaged team Oversee the moderation and relative distribution of performance appraisals in line with overall business performance for the area. With support from Human Capital, interview and hire direct reports. Support managers with their recruitment decisions on request. Lead by example, the values & behaviours we want our teams to internalise and drive the Diversity and Transformation agenda. Increase team contribution towards furthering our external share of mind. Use our Social & Ethical compass, augmented by commercial pragmatism, in decision-making. Sponsor a Compliance culture in everything we do Brand Ambassador and Culture Driver Represent Standard Bank at thought leadership forums and industry events and influence practice, policy and regulations discussed at these forums. Promote the Standard Bank Investor Services brand within the Bank and in the Industry through active participation within Bank and industry forums Preferred Qualification and Experience Qualifications Minimum qualification 1 Type of qualification: First Degree Field of study: Finance and AccountingMinimum qualification 2 Type of qualification: Honours Degree Field of study: Finance and Accounting Preferred other qualifications, certifications or professional memberships Master's degree Experience Experience required 1 Job Function: Business Support Job Family: Investor Services Years: More than 10 years Experience Description: Experience running an end to end Operation within investor Services/ Asset Management including financial management, client, technology and operational management.Experience required 2 Job Function: Business Support Job Family: Operations, Client Service Years: More than 10 years Experience Description: Experience running an operations or client service team in the investment industryTotal number of years' of experience: More than 10 years plus management experiences in the financial services industry. Financial market, asset management, Investor Services. A combination of Operations, Product and client management experience. Knowledge/Technical Skills/Expertise Competency Label: Financial Accounting Competency Description: The individual needs to have a good understanding of accounting and valuation methodologies and principles as it applies to Investments and various type of funds i.e. pension, unit trust, life Proficiency Level: SEASONED - Applies concepts without requiring supervision, able to provide technical guidance when requiredCompetency Label: Fund administration/ operations Competency Description: This business is predicated on maintaining and interrogating investment records and to create these records or manage a team to do so it requires a good understanding of fund administration and operations Proficiency Level: SEASONED - Applies concepts without requiring supervision, able to provide technical guidance when requiredCompetency Label: Client Services Competency Description: The individual must have good client services knowledge/understanding to manage a demanding and high touch client base Proficiency Level: SEASONED - Applies concepts without requiring supervision, able to provide technical guidance when required

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 acquire new quality merchants that require merchant solutions and to maximise business development opportunities with existing merchants to ensure sustainable and profitable relationships. As a consultant of Group Card and Emerging payments ensure the acquisition and the influencing of sales of all Group Card and Emerging Payments products and solutions. Key Responsibilities/Accountabilities Sales planning and delivery Manages the end to end sales cycle in order to acquire new merchants and to generate significant revenue from multiple merchants across the responsible market. Builds and maintains a successful sales pipeline by generating leads both directly and indirectly via channel partners working in conjunction with the channel management team and other key stakeholders internally and externally. Negotiates profitable rates with merchants within prescribed parameters. Works with internal key stakeholders / partners such as business banking consultants and merchant solutions service consultants to cross / up-sell products such as BluMobi, MasterPass SnapScan and other new developed products to achieve business targets. Through the establishment and maintenance of relationships with internal stakeholders, proactively enable and influence acquisition of Card and Emerging payments products and solution. Adopt a Universal banking approach to ensure you leverage cross-product opportunities. Develops good merchant relationships from acquisition to post-sales follow up to maintain customer satisfaction. Act as the Group Card and Emerging Payments point of contact in province and aid stakeholders in Card Sales and Service related matters. Provides regular constructive feedback about the product uptake to the Product and Development teams. Establishes and maintains relationships with customers in Business Banking as guided by segment and the Customer Value Propositions. Reports back on customer needs to acquiring and card product teams for strategic and product decisions. Attends Business Banking branch meetings to present on new product updates, advises on competitor activity and trends in the acquiring industry. Measure: Acquire new quality sales against sales and turnover targets as specified. Achieve Card issuing targets as specified. Amount of leads followed up and acquired. Full on boarding of new sales until merchant number issued and actively trading, as agreed with merchants. Diners Acceptance, SnapScan, Merchant Capital, Instant Money (Bulk issuing) sales against turnover targets as specified. Achieve: o Annual sales and turnover o Achieve Sales targets o Profitably met merchant discounts o Quality of merchants acquired o Cost containment, e.g. contribute to favourable cost to income ratio Communication and relationship management Works closely with all key internal stakeholders to maximise business development opportunities including Marketing, Channel and Product teams. Contributes to targeted marketing campaigns by presenting merchant solutions offerings to customers at sector specific events. Attends to client service requests when required and ensures resolution within agreed timelines. Measure: • Number of acquired merchants banked by Standard Bank but not acquired by Standard Bank Merchant Solutions o Number of quality sales o Number of profitable merchants Innovation Provides accurate and timely market information on the relevant market sector to merchants to help drive the future marketing and product strategies through improved merchant solution sales. Provides meaningful expertise and insights to stakeholders on Group Card and Emerging payments products and solutions Measure: Number and quality of market and product related information shared with specific client segments. Preferred Qualification and Experience Qualification Matric Experience 3- 4 years Sales experience in retail, e-commerce, payments industry, sales experience in CNP(Card Not Present), card processing or card related payments would be a distinct advantage 1 years experience in FMCG (Fast Moving Consumer Goods) industry will be an added advantage Knowledge/Technical Skills/Expertise 3- 4 years Sales experience in retail, e-commerce, payments industry, sales experience in CNP(Card Not Present), card processing or card related payments would be a distinct advantage • 1 years experience in FMCG (Fast Moving Consumer Goods) industry will be an added advantage

Job Details Operations: a range of essential and complex services to ensure processes across the bank work as effectively and efficiently as possible Job Purpose Evaluate the CIB data sets for quality and accuracy by ensuring that there's minimal Business impact level for data quality issues. Continuously review the counterparty information in the Client Information File (CIF), regulatory, credit and other core systems across CIB is maintained by ensuring that Data Governance and Quality is established and monitored through people, process and technology. Play a strategic role in the data governance strategy for data quality management, consistency, usability, security, currency, and data availability to the organization and customers. Key Responsibilities/Accountabilities Ability to understand business process flow and translate that into data quality measurement requirements Determine data quality improvement recommendations as well as process improvement recommendations for the source systems Collaborate directly with the Business Data Owners and Data Governance Specialist to establish the business rules that will provide the foundation of the organization's data quality improvement plan Conduct root cause analysis for issues discovered during data quality assessment Develop and Implement data quality improvement reporting and dashboards Articulate the need for and benefits of data quality to both IT and Business Provide expert judgements in the bank to address reporting issues at a root cause level. Escalate critical control issues identified to Data Governance team for the management of data on timely basis Promote teamwork within CIB Data Management and other areas in the Bank. Manage analysis of regulatory reporting data quality issues and consult teams towards sustainable resolution. Ability to effectively participate in multiple and concurrent projects Develop and maintain robust and effective review procedures to support universal bank's data quality. Assist the department head on critical projects and tasks. Documents all logic and data quality issues; works to resolve them; reports progress on problem resolution to management Devises improvements to current procedures and looks for new ways to increase efficiency and accuracy Performs workflow analysis and recommends quality improvements to up/down stream processes where data quality issues exist. Maintains expert level of business functional knowledge for Universal bank data domain Promotes a high levels of data quality awareness across our organization Reviews specs and business process to ensure accuracy and conformance to the established data standards and policies Preferred Qualification and Experience Minimum qualifications BSC Computer Science / BCOM Informatics or Formal Degree with equivalent experience Data management qualifications would be an advantage Experience in Data Profiling ,Data Mining and drawing valuable conclusions from the data results Knowledge Basic knowledge in Data Governance Methodology Basic understanding of company law & banking practices Basic understanding of regulatory requirements e.g. FICA, FATCA etc. Knowledge of applicable data privacy practices and laws .e.g. POPI Act. Previous work experience - minimum scope for error, awareness of risks Exposure to a wide variety of banking systems Exposure to the client creation processes in CIB Understanding of the risks associated with substandard data and the drawing up of the relevant risk map. Experience Minimum of 5 years' experience as a Data Quality Analyst or Information Management or, Business Analytics, or Applications Analyst/Programmer/BI. Good communication skills, both verbal and written Demonstrated aptitude towards problem identification, resolution and comprehension and interpretation of technical and business procedures. Requires sound knowledge of quality assurance methods and procedures as well as familiarity with full project life cycle development processes. 5 years' experience working at an enterprise level with customer and reference data. 5+ years' experience in the Banking Industry Analytical/lateral thinker Quality orientated - high levels of accuracy & attention to detail Good general knowledge and research skills Ability to work in a team Data profiling and reporting Experience designing and implementing data quality and data governance solutions including platforms and supporting data processes Knowledge/Technical Skills/Expertise 5+ years' experience with SQL, Query Analyzer/PL SQL. 3+ years' experience with Qlikview Design & Developer 3+ years' experience with SAS SAP experience advantage Experience in utilizing data quality tools such as: Global ID, Trillium, Infosphere Familiarity with Data profiling tools like Informatica, IBM Infosphere, AbInitio advantage Experience working with big data technologies

Job Details Operations: a range of essential and complex services to ensure processes across the bank work as effectively and efficiently as possible Job Purpose Co-ordinate the daily activities of the Operational Reference Data Analyst areas to ensure that work performed ultimately meets KRAs and customer requirements. Manage administrative tasks as and when required. Run with ad hoc projects as allocated by Management Key Responsibilities/Accountabilities Leading Performance Conduct all necessary discussions to drive a leading performance culture (one on one discussions, connects and performance reviews)Agile/ NWOW Promote culture and understanding of basic Agile methodology and the New ways of working concepts. Involvement in project related to Reference Data from business and/or key stakeholders Effective change management and communication to key stakeholders and periodic progress update reporting Take part in priority review sessions and drive awareness of implemented changes and ensure proper change management. Proactively assess to determine controls and process impact from internal and external system implementations Ensure appropriate planning and allocation of user acceptance testing (UAT) resources as and when required for Reference data testing.Personnel Create synergy and collaboration between the team members and other Data Management supporting team Create an enabling environment to empower the team and drive high performance. Conduct regular staff performance discussions to track and monitor Key performance indicators Actively drive staff growth and upskilling initiatives aligned to personal development plans. Constantly strive to reduce key person dependencies amongst staff and line manager also promote future skills training. Drive a culture of accountability and active work force management Provide assistance with escalations and complexity from the team and stakeholders. Handle all Human Capital related issuesReporting Report on overall monthly activity of Operational Reference Monthly Reporting KRI'S Incidents reports Stakeholder Internal Surveys and remediation progress Report on work force management planning and indicate the effectiveness thereofRisk Management Ensure a Risk Map and RCSA are maintained across all documented processes. Drive adherence to internal procedures and processes inclusive of control measures Ensure adherence to Compliance and Risk Management laydown roles Be aware of the Data Privacy legislation and the Data Protection Act, and the importance of adherence and the implication on breaches Be aware of the Protection of Personal Information (POPI) Act and its relevance in dealing with client related data Oversee and manage system access control of the teamEscalations and Complaint Management Keep the Senior Management informed of any developments that may result in interest claims or losses or may adversely affect the department's image. Complete the corrective action plan (RCA) as soon as possible for any items that may be identified during an internal quality audit within the department and e-mail to the Internal Auditor. Take responsibility to ensure corrective actions are in place to reduce reoccurrencesCost Management Contain costs and keep losses to a minimum. Peruse monthly expenses and query any discrepancies with the finance Team and share with the ORD teamCompliance, Governance and ISO Standards Review and approve working instructions and procedure manuals for the team Keep track and deal Non-conformances raised by Internal Audit and ISO. Ensure that all compliance training is completed for current and new Recruits Ensure all staff understands how to access the QMS system and have read Additional policies, Policies and the Quality Policy.General (Limits of Authority) Use of telephone with international/national dialling (Policies and guidelines of Standard Bank apply). Use of e-mail for all correspondence (Policies and guidelines of Standard Bank apply). Use of Internet (Policies and guidelines of Standard Bank apply). Act within policies and guidelines of Standard Bank. Preferred Qualification and Experience At least 5 years previous banking experience. 3-5 years previous managerial experience. Must be able to communicate at all levels. Computer literate and a good working knowledge of MS Office suite, Internet & MS Outlook Minimum level of education and /or knowledge Bachelor's degree: Information Studies Active Operations Management Lean Six Sigma Work Force Management and planning Fundamentals of Foreign Exchange and Financial Markets New ways of working /Agile Data Governance Fundamentals Knowledge/Technical Skills/Expertise Suitable knowledge/understanding of the CIB ops systems such as: CIF OSD FEDS CALYPSO Retail Forex System Murex Etc

Job Details Operations: a range of essential and complex services to ensure processes across the bank work as effectively and efficiently as possible Job Purpose Evaluate the CIB data sets for quality and accuracy by ensuring that there's minimal Business impact level for data quality issues. Continuously review the counterparty information in the Client Information File (CIF), regulatory, credit and other core systems across CIB is maintained by ensuring that Data Governance and Quality is established and monitored through people, process and technology. Play a strategic role in the data governance strategy for data quality management, consistency, usability, security, currency, and data availability to the organization and customers. Key Responsibilities/Accountabilities Ability to understand business process flow and translate that into data quality measurement requirements Determine data quality improvement recommendations as well as process improvement recommendations for the source systems Collaborate directly with the Business Data Owners and Data Governance Specialist to establish the business rules that will provide the foundation of the organization's data quality improvement plan Conduct root cause analysis for issues discovered during data quality assessment Develop and Implement data quality improvement reporting and dashboards Articulate the need for and benefits of data quality to both IT and Business Provide expert judgements in the bank to address reporting issues at a root cause level. Escalate critical control issues identified to Data Governance team for the management of data on timely basis Promote teamwork within CIB Data Management and other areas in the Bank. Manage analysis of regulatory reporting data quality issues and consult teams towards sustainable resolution. Ability to effectively participate in multiple and concurrent projects Develop and maintain robust and effective review procedures to support universal bank's data quality. Assist the department head on critical projects and tasks. Documents all logic and data quality issues; works to resolve them; reports progress on problem resolution to management Devises improvements to current procedures and looks for new ways to increase efficiency and accuracy Performs workflow analysis and recommends quality improvements to up/down stream processes where data quality issues exist. Maintains expert level of business functional knowledge for Universal bank data domain Promotes a high levels of data quality awareness across our organization Reviews specs and business process to ensure accuracy and conformance to the established data standards and policies Preferred Qualification and Experience Minimum qualifications BSC Computer Science / BCOM Informatics or Formal Degree with equivalent experience Data management qualifications would be an advantage Experience in Data Profiling ,Data Mining and drawing valuable conclusions from the data results Knowledge Basic knowledge in Data Governance Methodology Basic understanding of company law & banking practices Basic understanding of regulatory requirements e.g. FICA, FATCA etc. Knowledge of applicable data privacy practices and laws .e.g. POPI Act. Previous work experience - minimum scope for error, awareness of risks Exposure to a wide variety of banking systems Exposure to the client creation processes in CIB Understanding of the risks associated with substandard data and the drawing up of the relevant risk map. Experience Minimum of 5 years' experience as a Data Quality Analyst or Information Management or, Business Analytics, or Applications Analyst/Programmer/BI. Good communication skills, both verbal and written Demonstrated aptitude towards problem identification, resolution and comprehension and interpretation of technical and business procedures. Requires sound knowledge of quality assurance methods and procedures as well as familiarity with full project life cycle development processes. 5 years' experience working at an enterprise level with customer and reference data. 5+ years' experience in the Banking Industry Analytical/lateral thinker Quality orientated - high levels of accuracy & attention to detail Good general knowledge and research skills Ability to work in a team Data profiling and reporting Experience designing and implementing data quality and data governance solutions including platforms and supporting data processes Knowledge/Technical Skills/Expertise 5+ years' experience with SQL, Query Analyzer/PL SQL. 3+ years' experience with Qlikview Design & Developer 3+ years' experience with SAS SAP experience advantage Experience in utilizing data quality tools such as: Global ID, Trillium, Infosphere Familiarity with Data profiling tools like Informatica, IBM Infosphere, AbInitio advantage Experience working with big data technologies

Job Details Information Technology: systems development, business analysis, architecture, project management, data warehousing, infrastructure, maintenance and production Job Purpose Head the Security Engineering function and drive it to make the bank more secure by assisting projects and IT delivery teams make the right decisions when planning and implementing security measures to monitor and protect sensitive data and systems from infiltration or misuse. Key Responsibilities/Accountabilities Provide Security Engineering Expertise: Act as subject matter expert wrt security engineering activities, by advising projects, business areas and other engineers on how to implement cyber security controls correctly; Assist projects with practical guidance in unpacking and implementing system security requirements, by working with projects in designing and configuring cyber security technologies appropriately; Designing, engineering, planning, implementing, and supporting security solutions by working with projects and business areas from initial design through build and test to providing 2nd line support in production; Assist with the Prototype and Pilot of proposed security solutions by working with projects or running prototypes and pilots to demonstrate the viability of a cyber security control technology; Develop detailed security designs that are practical and align to architectural requirements by working with architects and software engineers to realise how cyber security technologies should be implemented; Actively participates in the day-to-day technical tasks, either project related or incident related, by attending meetings, reviewing deliverables and performing post incident analysis; Provide configuration assistance and troubleshoot implementation issues with security solutions by reviewing tests, implementations and incidents and recommending better ways of working; Manage the Security Engineering function and people: Plan and allocate engineering activities, balancing risk to business and demand from projects by forecasting what effort is required on which projects and assigning engineers appropriately; Set and execute function strategy within the constraints of budget though providing budget input, strategy input and ongoing management oversight; Coach and develop engineers as part of their careers in the engineering function through helping each engineer maintain a career and development plan; Manage team recruitment as and when required through identifying capacity requirements and requesting additional personnel as needed; Manage the workload, quality and performance of the engineering function through balanced work assignment, regular review of work done and intervention where quality needs to be improved; Provide technical capability: Providing solutions to security and technical challenges facing the bank presently and future though understanding the evolving risk landscape and developing appropriate control measures; Provide technical input to organisation risk management policies and standards through providing content and review to how business and risk rules can be implemented; Finding security vulnerabilities by generating various attack scenarios for target systems under development, mapping attack paths and understanding how the bank could be compromised; Develop countermeasures for identified security vulnerabilities through identifying candidate controls and selecting the most beneficial controls for implementation; Develop technical solutions and new security tools to help mitigate security vulnerabilities and automate repeatable tasks, through building technical control capabilities and maturing their operational effectiveness. Preferred Qualification and Experience Qualification: First Degree - IT and Computer Sciences CISSP, SABSA F1/F2/A1/A3 Experience: 07 to 10 years IT Experience Detailed technical knowledge of database, operating system, and network security controls and how they should be tested Detailed technical knowledge of representing risk data to technical and business management Hands on experience in building and leading teams of technical specialists Experience Description: Hands on experience in software development including integration development Knowledge/Technical Skills/Expertise Leading Courageously: Believing in on self, own judgement, skills and experience, and using this self-confidence to challenge others for the benefit of Standard Bank. Proficiency Level Description: '4 Has confidence to challenge senior management to act in line with the Bank's values; Speaks up when others are not behaving in line with the original values. Challenges others (even at higher level) when decisions and behaviours are not in line with the espoused values or Standard Bank's best interest. Confronts racist, sexist, ageist or other inappropriate behaviour by others. Driving Delivery of Results: Proactively identifies business opportunities or barriers to business performance and addresses them. Takes accountability for improving the business. Demonstrates a sense of urgency around the achievement of stretching business goals. Proficiency Level Description: '4 Works towards a strategic business opportunity; Identifies and implements a business opportunity that will have a long term impact on the business (which may include the organisation's reputation or brand image). Makes decisions, sets priorities, or chooses goals on the basis of inputs and outputs: makes explicit considerations of potential profit, return on investment, or cost benefit analysis. Based on the cost benefit analysis, makes decisions of entrepreneurial risk nature. Inspiring Performance for Execution: Enables and empowers the team to implement/execute a strategic vision or change for the better. Leads with passion and energy. Proficiency Level Description: '4 Guides and drives execution; Enables the team to execute against the vision by providing clarity about roles, expectations and accountability. Continually communicates and reinforces the plan and recognises and rewards the team's contributions or progress towards the goal. Influencing Others: Effectively and strategically influences across the organisation, based on previously established credibility and respect, as well as understanding the organisational dynamics, politics and interpersonal context. Proficiency Level Description: '3 Tailors the strategic communications to the audience; Considers the thoughts, concerns, interests and personality of the audience when defining the influencing strategy. Adapts settings, words, presentation, use of third parties or experts when attempting to influence decision makers or stakeholders. Engages the audience at an emotional level based on genuine personal conviction Purposeful Collaboration: Understands and leverages the dependencies across the organisation and the impact of own actions on the rest of the organisation to create organisation alignment for decision-making and delivery of quality outcomes. Proficiency Level Description: '3 Ensures cross-functional alignment to take action; Uses a clear, disciplined process to fearlessly work from purpose and principles to decisions. Takes decisions as a group considering the input gathered to ensure cross-functional alignment. Commits to the group decision, and owns and implements the decision

Job Details Operations: a range of essential and complex services to ensure processes across the bank work as effectively and efficiently as possible Job Purpose Active management to plan, supervise and control the activities of a given Trade team by ensuring that all controls for effective handling and/or processing of trade transactions in accordance with international standard banking practice, rules and regulations with a view of avoiding reputational and financial risk for the Standard Bank Group. Key Responsibilities/Accountabilities Effective operational control within the teamEnsure that due diligence checks are conducted and special instructions are complied by performing mini-audits Ensure that commission is monitored, timeously recovered and reported by staff to ensure no revenue leakage Scrutinise, action and annotate tall reports correctly and timeously Verify and approve all transactions in line with limits of authority which are above staff limits. Arrange staff release limits (permanent and temporary) and function access in accordance with levels of competency Follow Refund process and ensure that all supporting documentation included and necessary approvals have been obtained and all forms have been completed correctly Identify and mitigate all risks to ensure that losses, incidents, refunds are kept at an absolute minimum Consolidate and analyse the productivity report and use the data to address productivity issues in daily Connects Adhere to ISO quality policies Refer and Log all Service Breakdowns and identify the root cause Action daily forex settlement suspense account and ensure proper reconciliation thereof and also monitor staff to ensure that no entries are outstanding on a daily and monthly basis Continuous monitoring of workflow inboxes for self and staff and assigning of work to staff in other areas where applicable. Monitor all SWIFT rejections by scrutinizing the relevant reports Correct, timeous and accurate submission of management reportsActive management and leadership of peopleIdentify the skills gap within the team and ensure that the competency matrix is updated on the agreed frequency Monitor and track staff performance and ensure team delivers against set goals Adhere to Group policies, values and ethics and ensure that these are understood by staff Reward and recognise staff through on the spot rewards, customer service stories and beyond excellence awards Handling conflict effectively within the team. Assist manager with recruitment of new candidates Oversee on-boarding and exit staff Hold return to work interviews for unplanned leave and address any trends Assist and support management in driving changes in areasThe control environment is monitored and measured to achieve operational excellenceAid staff with the business investigation and reporting of production issues and follow the escalation matrix where required inclusive of system issues Ensure that staff have all relevant equipment (laptops, desktops, printers, stationery etc.) to fulfil their job and request access to all relevant system applications Be involved in the business continuity plan and assist in identifying critical staff and processes in the event of a disaster or exercise Provide roll call of staff and update management on all production issues Ensure that all checklists (both manual and system) are completed at the required frequency Update management on known issues within the team Report all risk incidents to Operational Risk and Control and ensure completion of root cause analysis on all incidents Adopt new processes in line with industry changes Follow laid down processes to avoid repeat findingsAdhere to Regulatory Rules and directivesIdentify Combatting Terrorist Financing (CTF), Financial Intelligence Centre Act (FICA) and Anti Money Laundering (AML), Sanctioned affected transactions that would require additional approval to determine internal compliance regulations. Refer all suspicious transaction as per Suspicious Transaction Reporting (STR) Application and adherence to the regulatory rules and directives including but not limited to SARB Excon, SARS, Sanctions and Compliance and ICC publications Maintain high levels of serviceEffective communication and timeous responses to stakeholders Monitor staff adherence to Service Level Agreements Encourage ways to continuously improve service within the team Investigate and report service breakdowns which are identified and implement remedial and preventative actions Identify and refer opportunities/leads Provide internal and external stakeholder education on operational requirementsContain controllable costs within the teamMonitor and control expenses such as stationery, telephone and entertainment costs Effective planning and workflow management to ensure no excessive taxi, overtime and training costs Reconciling and monitoring courier costs Preferred Qualification and Experience Qualifications Minimum qualification 1 MatricMinimum qualification 2 Tertiary qualification Other minimum qualifications, certifications or professional memberships, Certified Documentary Credit Specialist (CDCS) and/or Certificate in International Trade Finance (CITF) and /or Certificate for Specialists in Demand Guarantees (CSDG)ExperienceJob Function: Corporate Banking Job Family: Foreign Exchange Years: 7-10 years Experience Description: Required to demonstrate practical knowledge and understanding of the complex issues associated with Trade products, parties, processes and rules that underpin Trade transactions. As well as the ability to manage Trade transactions and identify irregularities, by applying knowledge of processes, ICC rules and Trade terms.Job Function: Risk Management Job Family: Risk Mitigation Years: 7-10 years Experience Description: Experience with Risk Control Self Assessments, Key Risk Indicators, identifying incidents, performing root cause analysis, risk controlsJob Function: Global Markets Job Family: Foreign Exchange Years: 7-10 years Experience Description: Experience with spot transactions, forward exchange contracts, options, swaps, foreign currency accounts, Nostro and Vostro accounts, exchange rates, balance of payments, exchange control, reconciliation, SWIFT concepts, trade finance, have knowledge and experience of all trade products, Customer Relationship Management (CRM), Sanctions/compliance,Job Function: Business Support Job Family: Transactional Products and Services Years: 7-10 years Experience Description: People management including ,conflict management, coaching and mentoring staff, driving reward and recognition in the team and ensuring appropriate disciplinary action taken where required. Knowledge/Technical Skills/Expertise Competency Label: Written Communication Competency Description: Ability to express ideas by means of clear and effective writing, in order to support professional communication internally within the Bank and externally. Proficiency Level: PROFICIENT - Clear knowledge and application of the conceptCompetency Label: Business Administration Skills Competency Description: The ability to coordinate multiple administrative activities in to enable the efficient operations of a department. Proficiency Level: PROFICIENT - Clear knowledge and application of the conceptCompetency Label: Effective Business Communication 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: PROFICIENT - Clear knowledge and application of the conceptCompetency Label: Presentation Skills Competency Description: The ability to communicate and deliver information verbally in a clear, concise and comprehensive manner to other people, using appropriate props and tools. Proficiency Level: PROFICIENT - Clear knowledge and application of the conceptCompetency Label: Product Knowledge Competency Description: Knowledge and understanding of the features, benefits and pricing of the Trade products and services on offer to business banking and corporate banking customers. Proficiency Level: PROFICIENT - Clear knowledge and application of the conceptCompetency Label: Continuous Process Improvement Competency Description: The ability to review existing processes with the view to find better ways to execute tasks on a continuous basis. Proficiency Level: PROFICIENT - Clear knowledge and application of the conceptCompetency Label: Banking Process and Procedures Competency Description: Sound knowledge of the Bank's laid down policies and procedures as it relates to the processing of customer transactions. Proficiency Level: PROFICIENT - Clear knowledge and application of the conceptCompetency Label: Client Servicing Competency Description: The ability to respond to client requirements, queries and complaints and log order entries into relevant company system. Proficiency Level: PROFICIENT - Clear knowledge and application of the conceptCompetency Label: Query Resolution Competency Description: The ability to handles queries effectively and formulate appropriate responses. Proficiency Level: PROFICIENT - Clear knowledge and application of the conceptCompetency Label: Occupational Health and Safety Competency Description: The knowledge and understanding of regulatory requirements that govern the safety and health of employees who work in company buildings. Proficiency Level: BASIC - Applies elementary concepts to develop activities under supervisionCompetency Label: Coaching and Mentoring Competency Description: The knowledge and skills required to direct, instruct, and train an employee/s with the aim to fulfil a goal, in order to develop specific skill/s in an enthusiastic, motivating manner. Proficiency Level: PROFICIENT - Clear knowledge and application of the conceptCompetency Label: Performance Management Competency Description: The ability to apply processes and principles related to performance contracting, rating, rewarding and improving employee performance. Proficiency Level: PROFICIENT - Clear knowledge and application of the conceptCompetency Label: Recruitment Competency Description: Ability to apply processes and practices related to attracting, identifying and selecting candidates into positions that are vacant. Proficiency Level: PROFICIENT - Clear knowledge and application of the conceptCompetency Label: Employee Relations, Health and Wellness Competency Description: Able to systematically identify, analyse and resolve existing and anticipated employer-employee related problems in order to reach optimum solutions in a timely manner. Proficiency Level: PROFICIENT - Clear knowledge and application of the conceptCompetency Label: Training provision Competency Description: The ability to plan, implement, manage, record and report on soft skill and technical learning interventions. Proficiency Level: PROFICIENT - Clear knowledge and application of the conceptCompetency Label: Stakeholder Management Competency Description: The ability to identify and engage with all the key stakeholders in the project life cycle. Proficiency Level: PROFICIENT - Clear knowledge and application of the conceptCompetency Label: ISO9001 Competency Description: Knowledge and understanding of the formal international frameworks for measuring and monitoring quality. Proficiency Level: PROFICIENT - Clear knowledge and application of the conceptCompetency Label: Root Cause Analysis Competency Description: Knowledge and application of techniques that can be applied to determine the cause of process or control failures. Proficiency Level: PROFICIENT - Clear knowledge and application of the conceptCompetency Label: Operational Planning Competency Description: The ability to translate the organisation's vision and long term goals into medium and short term deliverables. Proficiency Level: PROFICIENT - Clear knowledge and application of the concept

Job Details Group Shared Services: driving operational excellence, transparency and continuous improvement across our business, by leveraging scale, capabilities and innovation. Job Purpose To assist the Manager, to control and improve provision adequacy, collections, system developments, legal costs and collection strategies through the introduction of best practice and maintaining appropriate and uniform collections policies and practices across all portfolios. To give assistance to our business partners on deteriorating risk accounts on inter alia all specialized accounts to prevent such accounts from becoming non-performing loans. To ensure that staff are competent and trained and that the correct culture and leadership qualities are introduced and maintained. Create effective partnerships with chosen vendors. Ensure the effective operations of Vendor output Drive communication between vendors and line manager. Ensure that the targets are achieved by your vendors Responsible for coaching, performance management, upskilling and staff development of the Agents To act as the first point of escalation for customer default issues and complaints To be accountable for the execution of the tactical and operational plans aligned to business unit strategy To effectively manage the working environment (i.e. efficiencies, Effectiveness, availability of resources, tools and infrastructure etc.) Key Responsibilities/Accountabilities • Monitoring adherence to internal controls and regulatory requirements and enhancing procedures, in need. Accountable for collection rates to be maintained at an agreed percentage of gross monthly average assets under management. Ongoing communication with staff regarding the need to ensure continual compliance. Compliance with statutory, regulatory and supervisory requirements, to protect the reputation of the Group and to avoid legal action / sanction in respect of regulatory compliance matters. Maintaining high ethical standards to prevent market abuse. Increasing awareness amongst staff of legislation applicable to the business . Reporting any breaches and exposure to the business unit head and or the division's Regulatory Compliance Officer. To monitor, manage and control within budget or alternatively agree guidelines: Provision adequacy; Collections; Outsourcing and Operational expenditures. Introduce and maintain new collection strategies and campaigns. Manage employee diversity. Ensure that staff, at all times, are skilled and training is constantly receiving attention. Maintain succession planning. Maintain Performance Management Control and maintain management information. Reporting to Manager on results and changes if required to do so. People Management and responsible for people management practices such as resourcing, equality, training, development and performance management. Liaise with business partners on developments within all portfolios product and their needs. Control and maintain credit policies and procedures. Maintain and control Business Continuity Plan. • Any ad-hoc function delegated by Senior Management/Executive. Key performance measure • Excellent and Consistent Customer Experience • Efficiency and Effectiveness • Engaged and committed people • Regulatory & Compliance Internal and external relationships • Building and maintaining a sound and effective working relationship with team members and other departments. • Relationships based on Performance of 3rd parties (i.e. Edc's, attorneys etc.) • Internal Relationships [Credit, Finance and Vendor compliance] • External Relationships [Attorneys and outsourced collections agencies] Preferred Qualification and Experience • Matric • Paralegal Diploma or equivalent • 2 years experience in a team leader role • 3 years experience in a Collections Unit. • Legal experience • 3 years general banking experience to provide a broad based understanding of the various business units. Knowledge/Technical Skills/Expertise • Strong leadership skills • Good Networking skills • People management skills • Good knowledge of HR policies/procedures and labour relations • Excellent presentation skills • Good knowledge of Vehicle Asset Finance • Good knowledge of the process workflow Early Stage, Late Stage and Legal Department. • Good knowledge of NT2000, CDDS , CACS & MIS). • Excellent knowledge of the debt collections processes. • Excellent knowledge of the legal process including sequestrations/liquidations and deceased estates processes. • Excellent knowledge of collaterals / securities and the realisation thereof. • Good knowledge of other Retail Credit products. • Good knowledge of credit and lending principles. • Good understanding of the Code of Banking Practice and branch accounting systems and procedures. • Good knowledge of the branch distribution network processes. • Good knowledge, understanding and interpretation of business financials. • Ability to analyse accounts and formulate effective strategies for collections. Technical competencies • Risk management ability • Good negotiation skills • Computer literacy( MS office, Excel, CDDS, SAP)•

Job Details Group Shared Services: driving operational excellence, transparency and continuous improvement across our business, by leveraging scale, capabilities and innovation. Job Purpose To optimally, effectively and efficiently manage each matter in the legal portfolio through the Legal process whilst maintaining the integrity and reputation of the Bank. To ensure that all risks in the collection process are properly considered and reported upon. To review, investigate, report and escalate high risk defences and allegations. To contribute to and support the strategic goals and vision of Credit Rehabilitation and Recoveries. To restructure facilities (wherever possible) in consultation with operations, the debtor and the attorneys. To profile all delinquent home loan accounts in order to determine the best processes to apply to effectively solve the delinquent status of the account. Key Responsibilities/Accountabilities Analyse delinquent accounts to execute legal action Identify accounts forming part of the various securitisation structures. Understand the details of the underlying agreements in respect of all the various securitisation structures. In depth knowledge of the Home Loans origination documents for purposes of interpretation and quality assurance. Keep and maintain detailed and accurate records. Keep and maintain a full set of papers within the annexure file, including attachments and other source documentation for all matters, as provided for electronically. Maintain an effective diary system. Conduct product search to establish the full exposure of the client(s) within SBSA. Attend to a thorough account analysis of the entire account history and relevant documents, detailing and escalating any potential risk to the Bank. Working in teams, sharing of skills and multi-skilling. Perform an inspection function, review the legal action taken and scrutinise documentation - ensuring there are no reasonable grounds for a future judgment to be rescinded. Source outstanding source documentation relevant for the litigation process. Escalate any “apparent” risks in the litigation/collection process that may impact on the integrity and reputation of the Bank. Assist in the preparation of, signing and commissioning, of all affidavits required by attorneys and council within defined timelines and court rules. Attend court and testify on behalf of the Bank. Whilst analysing the account, make enquiries to establish the payment trends and behavioural elements in respect of the delinquent status of the account. Ensure the analysis includes crucial information such as: - Peruse and interpret full statement of account in order to confirm that the account reflects a true arrear status and meets the criteria to proceed with legal action; - Details of sureties (where applicable); - Customer details (age and loan term); - Multiple properties/assets relevant to the account; - Previous litigation and collection initiatives in respect of the account; - Accuracy of data integrity relied upon; and - The financial exposure in respect of the home loan account. Create a synergistic relationship with attorneys in order to improve legal collections Provide guidance and support to the attorneys in respect of the various securitisation structures. Co-ordinate meetings with the attorneys as prescribed within the Vendor Management Framework. Proactively and regularly review and follow up on the past and future legal steps and processes. Ensure all external vendors adhere to the terms of the service level agreements, controls and policies. Adherence to proper housekeeping processes. Monitor attorney progress and requests via timeous and effective management of the various legal states Provide clear instructions to attorneys (within mandate) and timeously communicate instructions to the attorneys as provided by management Attend to meet with the client in exceptional circumstances whilst ensuring that the Bank's rights. Taking timeous and appropriate action and decisions to promote a successful outcome to the litigation process. Negotiate, consider, evaluate and approve settlements within mandate and refer others outside of mandate to management with written recommendations. • Conduct monthly meeting with attorneys regarding portfolio performance/action plans for aged matters/challenges, ensuring that the department targets are met. • Attend to meeting with clients and other stakeholders Build and maintain a sound and effective working relationships with team members and support departments, including credit partners • Engage with business partners on a regular basis in order to establish determine suitable resolution when faced with obstacles. • Recommend solutions to improve collection processes • Collate information and refer relevant opinions and/or reviews to product/credit any deficiencies in processes, documentation and systems which have led or may lead to unsatisfactory legal outcomes. • Provide basic legal guidance and subject matter expertise, to stakeholders. • Provide legal guidance and process to the internal stakeholders especially during the pre-litigation phase. • Compile and assist in the compilation of daily, weekly and monthly matrix reports for the portfolio. • Provide training in respect of the securitisation structure and processes as required from time to time. Reduce the number of Non- Performing Loans • Ensure quality execution in terms of account allocation to the attorneys, within a pre-determined period from the inception of the legal process, until finalisation thereof. • Identify the relevant securitisation structure and the prepare Certificate of Balance (COB) at prerequisite milestones and as may be required from time to time. • Monitoring of daily scheduled sales and the referral of sale cancellation to management • Capture all relevant hold codes on the CDS segment on CACS to ensure that the stage of legal action is easily identified • Negotiate an amicable arrangement with customers to avoid legal action • Prioritise high balance accounts with an action plan against each • Submit detailed commentary on an account level basis in respect of high risk factors which may have been identified (which factors will be defined as required from time to time) Comply with all regulatory requirements • Attend to all compliance trainings • Verify the details relevant to the securitisation structure in respect of litigious requirements as well as statutory requirements. • Compliance with statutory, regulatory and supervisory requirements and protect the reputation and integrity of the Bank and to avoid legal action or sanction in respect to non-compliance to regulatory matters. • Maintaining high ethical standards to prevent market abuse. • Reporting any breaches and exposures to the departmental manager and/or the area's Regulatory compliance officer. • Taking note of all relevant legislation, case law and policy changes applicable to the business. Manage the Money • Vetting of invoices sent by attorneys against the SLA • Refer invoices for payment • Exercise caution to mitigate operational losses • Personal telephone expenditure limited to R50.00 per month. • Contribute towards the effectiveness and cost efficiency of the department and ensure that strategic and departmental objectives are achieved. • Control and review all billed professional fees and invoices received. Ad Hoc • Attend to any delegated ad-hoc functions within in reason. • Work quality and accuracy, including the maintaining of systems and other records. • Monthly follow up and review of all accounts. • Timeous preparation and consultations in respect of all litigation milestones. • Timeous preparation for consultations. • Effective management of legal costs. • Housekeeping - efficient and effective. • Timeous and accurate reporting. • Reduction in the portfolio age. Preferred Qualification and Experience • Law Degree ( Not Negotiable ) • Home Loans Collections • 3-4 Years Exp Legal Environment/ Law Firm • 3-4 Years Exp Financial Institution / Collection Department Knowledge/Technical Skills/Expertise • Customer Understanding • Business Acumen • Promote Good Governance, Risk and Control • Written Communication • Product Knowledge • Email Monitoring • Influencing Others • Customer and Client Focused Innovation • Holding People Accountable • Purposeful Collaboration

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

Job Details Group Shared Services: driving operational excellence, transparency and continuous improvement across our business, by leveraging scale, capabilities and innovation. Job Purpose The Specialist is responsible for all aspects of the dialler traffic management, monitoring, reporting and analytics. The role encompasses the associated systems administration required to ensure that the resources have access to the relevant telephony systems. To ensure consistent and value add support is offered to all stakeholders. Utilize the dialler and its capabilities to improve efficiency performance with the operational areas. To utilize the dialler and its capabilities to improve staff efficiency and provide opportunities around headcount and staff savings. To analyse and interpret data in order to offer stakeholders suggestions to improve performance in their areas Key Responsibilities/Accountabilities Dialler campaign management Campaign set up Filter set up List set up Strategy set up Settings maintenance Exclusion management Product alignment Real time management List and queue management Agent set up and maintenance Sign on management Sla adherence Daily action plans Efficiency improvements Governance documents Stakeholder engagement Staff sign on creations Daily reporting Exception reporting Customer service Dialler mi analysis Solutions offerings and performance explanations on dialler influenced efficiencies Real time campaign management and monitoring Flawless and accurate mi reporting Initiatives and champion / challenger projects within the dialler Traffic management Stakeholder calibration Sample call listening Consulting / Analysis • Regular analysis of call volume, trend and headcount growth. Provide feedback to the relevant resource manager for discussion with the appropriate call centre stakeholders Meeting with operational stakeholders on a regular basis to discuss factors that could affect the call volumes. System Administration • Assisting in creating relevant access to telephony systems for use by consultants Creating of relevant Dialler and Ewfm profiles for inclusion of the consultants in the resource scheduling process Learning and Growth Up-skill and Cross-skill to ensure team functions at most optimal level. Consistently scan the environment to ensure best practices for Dialler, investigated and implemented where appropriate. Risk management • Nurturing the relationships to promote the image of and engender trust within function. • Identify, escalate timeously and recommend action in terms of risk (people, processes and technology) in accordance with relevant policies and procedures. • Ensure that actions are compliant with the policies, processes and procedures of the Call Centres • Identify any gaps in current processes • Approach risk from a holistic perspective including all systems, process and procedures Key performance measure  Campaign settings always 100% in agreement with requirements  All SLA met or where not explanation is given  All telephony infrastructure is always available and working optimally  All agents and campaign associated with the dialler and inbound are always created and managed within time  Stake Holder satisfaction  Daily guidance is given to areas to set up their areas to achieve best possible results based on the above mentioned efficiencies  All documentation is always updated and readily available and is transparent and easy to understand  Visibility on floors and required sessions  Guidance and advise offered pertaining to all aspects of dialler performance  Implementation of test scenarios and champion challenger pilots through dialler settings platform to improve performance  Ensuring campaign management is done real time and proactively and all issues are picked up immediately and not post the event  Full understanding of available of dialler settings and alternatives can be offered and any time  Utilizing multiple settings and understanding how they interact and work together Preferred Qualification and Experience • Matric/Diploma/Degree would be an advantage. • 1 to 3 years minimum experience in a dialler environment where focus was placed on: • All aspects of Campaign Management (Calling, SMS and Idialler, ISMS, Blaster) • Analytics • Stakeholder Management • Experience of Quality Assurance and Service Monitoring is preferable Knowledge/Technical Skills/Expertise Knowledge • Comprehensive knowledge of SBSA's laid down policies and procedures relating to the Credit Rehabilitation and Recoveries. • Knowledge of service standards applicable legislation. • Attendance of applicable SBSA training courses. • Knowledge and understanding of the Credit Rehabilitation and Recoveries Customer Value Proposition. • Computer literacy - working knowledge of how to access information via Intranet, Excel, Power Point, etc. Technical competencies • Computer literacy • Aspect (UIP and ALM) technology understanding • SAS & SQL

Job Details Group Shared Services: driving operational excellence, transparency and continuous improvement across our business, by leveraging scale, capabilities and innovation. Job Purpose To provide advice and guidance to defaulting Business clients in order to realign their product portfolio to minimise the financial loss to Standard Bank Group and attempt to assist the Client as far as possible. Key Responsibilities/Accountabilities Risk, Regulatory, Prudential & Compliance Understands and verifies the various types of collateral of the business, as a medium of negotiation, before the collateral is realized. Understand the payment cycles of the Business debtors to ensure effective alignment to the payment cycles of the account. Understand the different Business entities within South Africa as well as all the applicable statutory requirements to ensure compliance to all legal standards and the Banks policy are maintained. Financial Management Understand the Banks scoring system to ensure that the Client's account is in the correct Business segment (The account is currently sitting in Lifestyle however should be sitting in Agriculture) and understand how to correct this. Client Review the clients entire product portfolio and compile a comprehensive payment plan based on the clients solvency and liquidity. Set up and conduct telephonic or face to face discussions with clients to negotiate the most effective timeline for overdue payments to be made for the use of the Banks products such as Home Loans, Business Corporate Accounts and Vehicle Asset Finance. Confirm and update new customer demographics and contact details across all the relevant systems. Evaluate the financial Solvency and Liquidity of the Business Clients through the analysis of their Business's financial statements. Understand the credit life cycle of various business entities (Infancy stage to maturity of a business cycle) in order to apply the appropriate credit risk management policies and procedures to solve for client's needs. Handle queries and complaints to avoid escalation to the Team Leader. Effectively apply tracing tools , to locate, and collect on clients payments. Trace for alternative numbers when no contact can be made based on the defined processes. Educate customers regarding the consequences of non-payment and the benefits associated with maintaining good payment patterns. Liaise with respective stakeholders during various stand up sessions and forums where you will share insights related to process and strategy effectiveness and providing input to further improve collections performance and customer experience. Data Provide data-driven insights to Leadership based on interactions with customers, in order to improve the Business process and customer experience. Preferred Qualification and Experience • Degree : Business Commerce ( NOT NEGOTIABLE ) A Diploma in a Business field and or a certification in Credit Management. Shared Services Business Enablement & Support EXP 3-4 years Experience within the Business Lending and collections space, where an understanding of how the different areas such as Diner, Vehicle Asset Finance and other product areas add value. Develop the ability to engage with clients around these products. Knowledge/Technical Skills/Expertise • Written Communication Promote Good Governance, Risk & Control Email Monitoring Business Acumen (Audit) Customer Understanding (Business Banking) • Product Knowledge (Business Banking)

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 expert knowledge in a core set of financial products and solutions and to present the value proposition and benefits of our solutions to our partners, prospects and customers, and internally to our teams. To design, develop, implement and maintain the financial reporting processes and systems through the review of systemic output, financial accounting controls and processes for meaningful and sustainable financial reporting. Key Responsibilities/Accountabilities Financial Management: Identify and systematically account for and input, the financial accounting of corporate actions by adhering to accounting standards, regulatory requirements, practices, policies and requirements as stipulated from Group IFRS accounting policy team, run and change boards and the Regulatory team Provide finance technical / functional support, control final output while ensuring customer satisfaction with minimal to no supervision, through automated financial processes, systematic exception reporting and control efforts. Monitor new developments and best practice to eliminate gaps between requirements and what can be systematically delivered, and partner with the business to mitigate risks and implications of such developments. Develop and deliver high quality, complete and accurate standard financial outcome used for and within both management and statutory output. Responsible for operational control on all actual information used by all reporting teams, Treasury and capital management and BUs with minimal to no supervision. Design, develop and deliver proposed process solution to Group Finance on highly technical subject and processes. Monitor and maintain Group processes and financial systems relating to financial accounting as prescribed by IFRS. Facilitate and assist in delivery of specific reporting requirements as and where required, including routine and ad-hoc requirements. Uphold the system architecture and functions that monitor and report on actual exceptions. Risk, Regulatory, Prudential & Compliance: Design, develop and deploy systematic control mechanisms to enable the early detection and resolution of errors and accuracy of Group financial accounting and reporting. Drive financial accounting & reporting system related processes for Group Finance and BUs and recommend and implement corrective measures that are fit for purpose. Technology and Architecture: Act as the custodian of all actual financial information processes for all Legal groups within the bank through as systematic financial control resource for reporting teams, capital management teams, services of excellence and BU segments. Own, present and articulate advanced process automation product features and benefits, product future direction and overall solutions. Design, validate, and present software solutions to include advanced product concepts, future direction, and 3rd party complimentary products. Develop and manage workflows through high quality technical, professional client relationships. Enhance Group Finance for effectiveness by driving group financial solutions, processes and practices, that deliver accurate and complete financial information within an appropriate financial control framework Evaluate and select the best fit for purpose and sustainable technology for use by the groups financial reporting and corporate services teams Mitigate risk by participating in the strategic end-to-end development of world-class financial processes and practices Identify opportunities to deliver more efficient financial reporting systems Participate in initiatives, projects and programmes that address key financial reporting challenges from a financial reporting perspective for the Group Finance team as a result of changes in accounting and other regulatory standards Develop accounting and functionality requirements from a group financial reporting system perspective in collaboration with the Financial Technology (FinTech) in the development of technical business requirements through initiatives that include New Ways of Work (NWoW) Build and maintain world-class financial reporting systems and be an ambassador for driving further change and enhancements in financial reporting processes and systems. Manage change and provide guidance/ input into the systems functioning and assist with implementation of a group-wide sustainable financial reporting solutions with an emphasis on those that have a direct impact on overall group financial reporting process. Identify/ implement / lead (as appropriate) new initiatives and change to or improvement of current or required finance architecture systems used by Group Finance financial solutions. Preferred Qualification and Experience Post Graduate Degree, CA (SA) or equivalent Other Preferred Qualifications, certifications or professional memberships: Advanced system process and software knowledge desirable Demonstrated proficiency in one multi-user operating system. Thorough knowledge of system and application design Knowledge/Technical Skills/Expertise 5-7 years experience Financial modelling and process automation experience Relevant computer applications or database/tools. 8-10 years experience Group Financial Reporting & Control Technical Competencies: Financial Systems Administration. Liquidity Management. Understanding GAAP. Financial Accounting. Financial Acumen. Financial Analysis. Financial & Accounting Control. Financial Consolidation.

Job Details Information Technology: systems development, business analysis, architecture, project management, data warehousing, infrastructure, maintenance and production Job Purpose To manage and oversee the Bank's operational and tactical development initiatives which include the execution and, implementation of application delivery programmes and projects against the Bank's standards, policies and procedures and governance guidelines and Service Level Agreements. To provide technical solutions to the needs of stakeholders by interpreting business requirements, defining technical tasks, engineers' quality software, performing end to end testing, as well as supporting and troubleshooting technical questions, software and database issues. Key Responsibilities/Accountabilities Adhere to Agile methodologies and follows 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) ensuring alignment and value to the customer. Manage work effectively as an individual and team member including the reprioritisation of backlogs and reacts flexibly to changing demands through. Manage work using available resources and methodologies ensuring full team engagement. Estimate the size and complexity of the work within the team and managing this appropriately. Determine the technical design in their area of concern, within the architectural guidelines. Drive team commitments to the work in every iteration or Program Increment. Be responsible for value and builds to continuously improve the quality of deliverables. Find ways to improve own and the team's delivery and value to the customer on a continuous basis. Scope, Plan, Design and Review end to end solutions Advise the development staff on the evaluation and impact analysis of major design options. Engage with Information Technology support teams and business stakeholders to scope plan and design end to end solutions. Define and Develop application complex code Produce outline system specifications using solution designs, functional specifications or technical specifications as input, including input into scope, constraints (such as performance or resources), hardware, network and software environments and depending on the complexity of the project or change, might need to get the different resources from the different BU's. Produce specifications for systems functions, information flows, data loads, implementation strategy, phasing of development, requirements not met and alternatives considered. Translate logical designs into component designs taking into account the solution design, performance requirements and existing systems. Perform risk analysis and produce development plans in order to consider the impact of design decisions. Build, code and review user and system interfaces including menus, screen dialogues,inputs, reports, validation and error correction, processing rules, access, security, audit controls, recovery routines and contingency procedures. Work with data analysis colleagues to produce or update system or object data models and correlate these with corporate models. Work with database design or database administration teams to translate object and data models into appropriate database schemas within design constraints. Assist less experienced colleagues with complex coding problems. Conduct quality assurance and approve developed code linked to supplied specifications for production deployment. Provide guidance and assistance to colleagues on any aspect of program component design, creation, testing and documentation. Conduct Testing across various IT platforms Prepare test cases for unit testing purposes and review test cases as produced by other developers for unit testing purposes as required. 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. Review work done by developers to assure all work has been done as per standards, methods and tools used in the bank for application development. Construct, interpret and execute end to end system and program tests to verify correct operation of completed systems. Ensure adherence to release methodology and technical change management procedures for all changes. Adhere to own or manage team's project timelines for new developments and agreed service level timelines for repairing defects. Drive Continuous improvement Coach the 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 level 3 support and production standby post go live. Preferred Qualification and Experience Qualifications Minimum qualification BSc Comp Science, B.Com Informatics degree or advanced degree Bachelor's degree in a field requiring strong analytical and quantitative skills such as Computer Science, Engineering, Mathematics, Information Systems or similar Preferred qualification BSc Comp Science, B.Com Informatics degree or advanced degree Bachelor's degree in a field requiring strong analytical and quantitative skills such as Computer Science, Engineering, Mathematics, Information Systems or similar Experience Experience required: 5-7 years in Information Technology 5-7 years in Application Support IT Knowledge IT Development IT Applications Automated Unit Testing Data Integrity Write code Knowledge/Technical Skills/Expertise .NET Development - C# - Object Oriented Development Knowledge of Microservices, Cloud and Container Architecture - Service Fabric/Kubernetes Deployment of applications in Azure (via VSTS CI&CD with scripting and automation) Experience with Visual Studio IDE, Web Services Design/Deployment, REST Services, SOAP Services, Web API, Google Web Toolkit, IBM API Gateway, Azure API Manager - Json/Http, XML/Http Experience in working with MS SQL ORMs - Dapper Swift, Objective C, Ionic MSIS, MSRS, MSAS - Reporting Swift, Objective C, Ionic Runtime tools : Webpack, Angular CLI, Node, Git, Maven Service Bus/Messaging Architecture Windows Services Experience in working with SQL and NoSQL databases, PL/SQL AGILE and SCRUM Methodologies Code Architecture and Patterns Domain specific Factory/Repo Pattern etc Experience in implementing and monitoring Microsoft Azure Solutions Cloud computing technologies Emerging computer trends Websites : Create, configure, monitor, deploy into App Services Authentication Concepts : Active Directory Domain Services, Federated Services, OAuth Native/Hybrid Mobile Application Development

Job Details Operations: a range of essential and complex services to ensure processes across the bank work as effectively and efficiently as possible Job Purpose To plan, coordinate, monitor and deliver day to day operations of a team within a unit, to ensure availability of complete, accurate and accessible legal and collateral data and documentation required for the duration of the credit life cycle for standard and non-standard transactions, to mitigate operational and reputational risk in support of upstream and downstream functions utilising the banking book facilities in Corporate Investment Banking (CIB). Key Responsibilities/Accountabilities Receive and sign for document parcels and ensure adequate tracking mechanism are in place for all documentation and recording of documents received. Ensure optimal allocation of work across the team to meet quality standards and service level agreements for capturing standard and non-standard transactions (including Real Estate) . Provide guidance to data capturers on complex transactions to maintain data quality standards across all collateral being held. "Check, validate and establish completeness of legal and collateral documentation captured onto the CMS, against a checklist or standard operating procedure (SOP), to ensure the accuracy of details captured and to reflect an up to date view of collateral being held throughout the duration of the client relationship or deal, contributing towards effective and accurate risk and capital management for the banking book. Evaluate and verify input data to ensure data quality standards are maintained in the CMS and that basic, accurate and valid records are available throughout the credit lifecycle to mitigate the risk of the asset. Approve and / or support less experienced team members with stakeholder requests for documentation, to ensure the timely sourcing of outstanding documentation and / or information needed to maintain a complete and eligible data set to meet the requirements of the collateral valuation guidelines document. Action prompts by the CMS to source collateral valuations from Credit Risk (via emails, models and data extracts) and update the CMS with the valuation information received according to the standard procedures and processes for the collateral type. Maintain collateral independently of the credit function, reverting / escalating to them when required for clarification or instruction. Monitor the CMS records to ensure a current, complete and correct view of collateral and legal documentation is available throughout the duration of the client relationship and / or transaction. Manage the safe custody of all physical documents and originals as required from receipt until handover to Vault Custodians. Protect the documents, maintain confidentiality and ensure no unauthorised access to documents. Consolidate reports and present findings in an understandable manner, as and when required, to contribute towards the preparation and delivery of timely and accurate MIS reports to reflect the status of work and meet department requirements, policies and quality standards. Organise and supervise the work of the assigned team to ensure that all work within the assigned area is carried out in an efficient manner, which is consistent with operating procedures, service level agreements and policy. Build and maintain sound working relationships with internal stakeholders, including internal and external audit, Investment Banking (IB), Transactional Products and Services (TPS), Credit Risk, Legal, Treasury and Capital Management (TCM), to facilitate effective collaboration in achieving banking book objectives. . Resolve more complex operational problems referred from the team to ensure operational accuracy, compliance, efficiency and the provision of a high-quality service to internal and external stakeholders is maintained, while escalating any non conformances to more experienced team members for timely resolution. Manage and monitor daily activities of the team to ensure performance metrics are met and service level agreements are maintained. Continuously improve service offerings through innovation, and a future orientation towards automation. Identify and recommend opportunities to prevent / fix recurring problems. Implement and monitor approved corrective measures to continually improve service levels.Contribute towards the development of work instructions, prescribed tools and templates for use by the GBBC team to streamline operations and improve overall efficiency and quality. Understand and effectively implement all applicable policies, processes, procedures and work instructions, prescribed tools, templates and systems so that work is carried out in a controlled and consistent manner and all relevant procedural / legislative requirements are fulfilled while delivering a quality, cost-effective service, and while mitigating operational and reputational risk. Upskill team members on the same to build understanding of the value chain and GBBC's role in enabling efficiency in downstream processes.Provide on-the-job training and constructive feedback to assigned team to support their overall development, build GBBC capability and improve efficiency. Supervise performance of team members to optimise productivity, performance and employee engagement. Contribute towards the development of staff performance development plans (PDP), motivate staff to optimise their engagement and assist in career planning to ensure all team members are adequately trained to maximise performance. Uphold the desired culture and shared purpose within the team, taking responsibility for own behaviour to drive performance. Preferred Qualification and Experience Type of qualification: Diploma Field of study: Business Commerce or Risk Management Additional academic qualification in business administration or risk management is preferred Job Function: CIB Operations Job Family: CIB Operations Fulfilment Experience Description: Previous banking experience in legal, risk, credit or collateral with a demonstrated track record utilising analytical thinking and applying attention to detail to deliver results. Previous data capturing experience in a banking environment required. Job Function: CIB Operations Job Family: CIB Operations Fulfilment Experience Description: Seasoned knowledge, understanding and experience with all standard and non-standard documents and the SOPs that govern the capturing of information onto the Capital Management System.Experience Description: Planning and organising work experience required, with experience supervising others. Knowledge/Technical Skills/Expertise .

Job Details Operations: a range of essential and complex services to ensure processes across the bank work as effectively and efficiently as possible Job Purpose To plan, coordinate, monitor and deliver day to day operations of a team within a unit, to ensure availability of complete, accurate and accessible legal and collateral data and documentation required for the duration of the credit life cycle for standard and non-standard transactions, to mitigate operational and reputational risk in support of upstream and downstream functions utilising the banking book facilities in Corporate Investment Banking (CIB). Key Responsibilities/Accountabilities Receive and sign for document parcels and ensure adequate tracking mechanism are in place for all documentation and recording of documents received. Ensure optimal allocation of work across the team to meet quality standards and service level agreements for capturing standard and non-standard transactions (including Real Estate) . Provide guidance to data capturers on complex transactions to maintain data quality standards across all collateral being held. "Check, validate and establish completeness of legal and collateral documentation captured onto the CMS, against a checklist or standard operating procedure (SOP), to ensure the accuracy of details captured and to reflect an up to date view of collateral being held throughout the duration of the client relationship or deal, contributing towards effective and accurate risk and capital management for the banking book. Evaluate and verify input data to ensure data quality standards are maintained in the CMS and that basic, accurate and valid records are available throughout the credit lifecycle to mitigate the risk of the asset. Approve and / or support less experienced team members with stakeholder requests for documentation, to ensure the timely sourcing of outstanding documentation and / or information needed to maintain a complete and eligible data set to meet the requirements of the collateral valuation guidelines document. Action prompts by the CMS to source collateral valuations from Credit Risk (via emails, models and data extracts) and update the CMS with the valuation information received according to the standard procedures and processes for the collateral type. Maintain collateral independently of the credit function, reverting / escalating to them when required for clarification or instruction. Monitor the CMS records to ensure a current, complete and correct view of collateral and legal documentation is available throughout the duration of the client relationship and / or transaction. Manage the safe custody of all physical documents and originals as required from receipt until handover to Vault Custodians. Protect the documents, maintain confidentiality and ensure no unauthorised access to documents. Consolidate reports and present findings in an understandable manner, as and when required, to contribute towards the preparation and delivery of timely and accurate MIS reports to reflect the status of work and meet department requirements, policies and quality standards. Organise and supervise the work of the assigned team to ensure that all work within the assigned area is carried out in an efficient manner, which is consistent with operating procedures, service level agreements and policy. Build and maintain sound working relationships with internal stakeholders, including internal and external audit, Investment Banking (IB), Transactional Products and Services (TPS), Credit Risk, Legal, Treasury and Capital Management (TCM), to facilitate effective collaboration in achieving banking book objectives. . Resolve more complex operational problems referred from the team to ensure operational accuracy, compliance, efficiency and the provision of a high-quality service to internal and external stakeholders is maintained, while escalating any non conformances to more experienced team members for timely resolution. Manage and monitor daily activities of the team to ensure performance metrics are met and service level agreements are maintained. Continuously improve service offerings through innovation, and a future orientation towards automation. Identify and recommend opportunities to prevent / fix recurring problems. Implement and monitor approved corrective measures to continually improve service levels.Contribute towards the development of work instructions, prescribed tools and templates for use by the GBBC team to streamline operations and improve overall efficiency and quality. Understand and effectively implement all applicable policies, processes, procedures and work instructions, prescribed tools, templates and systems so that work is carried out in a controlled and consistent manner and all relevant procedural / legislative requirements are fulfilled while delivering a quality, cost-effective service, and while mitigating operational and reputational risk. Upskill team members on the same to build understanding of the value chain and GBBC's role in enabling efficiency in downstream processes.Provide on-the-job training and constructive feedback to assigned team to support their overall development, build GBBC capability and improve efficiency. Supervise performance of team members to optimise productivity, performance and employee engagement. Contribute towards the development of staff performance development plans (PDP), motivate staff to optimise their engagement and assist in career planning to ensure all team members are adequately trained to maximise performance. Uphold the desired culture and shared purpose within the team, taking responsibility for own behaviour to drive performance. Preferred Qualification and Experience Type of qualification: Diploma Field of study: Business Commerce or Risk Management Additional academic qualification in business administration or risk management is preferred Job Function: CIB Operations Job Family: CIB Operations Fulfilment Experience Description: Previous banking experience in legal, risk, credit or collateral with a demonstrated track record utilising analytical thinking and applying attention to detail to deliver results. Previous data capturing experience in a banking environment required. Job Function: CIB Operations Job Family: CIB Operations Fulfilment Experience Description: Seasoned knowledge, understanding and experience with all standard and non-standard documents and the SOPs that govern the capturing of information onto the Capital Management System.Experience Description: Planning and organising work experience required, with experience supervising others. Knowledge/Technical Skills/Expertise .

Job Details Operations: a range of essential and complex services to ensure processes across the bank work as effectively and efficiently as possible Job Purpose The overall purpose of the job is as follows: Assist the organisation in identifying and quantifying opportunities and problems through the intelligent analysis of its processes, organisational design and strategy. Direct, execute and deliver the design and implementation of practical solutions using structured processes and project management disciplines. Prepare process designs to support proposals and projects for the relevant Business Units. Understand, analyse and propose business architectures aligned to the organisational strategies, which includes enterprise entities, value streams, business use cases and workflow models To assess and propose capacity management framework based on organisation design and architecture Develop and get consensus on a process roadmap, which includes tactical, short, medium and long term process execution imperatives enabling the 15% improvement in process performance YOY. Responsible for process performance management of the process under management. Ensure execution, monitoring, tracking and reporting on end-to-end process performance. On-going management of the business processes within the organisation to achieve a YOY improvement in process performance. Monitor, track and report process performance (using dashboards) Implementation of enterprise continuous improvement projects to deliver the agreed financial benefit within the timeframes stipulated. Promote process-thinking and action. This means creating an awareness of the importance of business process and process thinking within the organisation and building the process team through the development of appropriate knowledge, ability and attitudes of the process team members. Key Responsibilities/Accountabilities A Process Engineer is accountable for: Identifying scope and prioritising process initiatives Utilise a structured approach and methodology to analyse the various business environments in order to identify problems and / or opportunities. Scope and quantify the body of work required to achieve the desired outcome. Gain consensus and agreement on proposed body of workSolution Design and Development Design and develop practical, sustainable business solutions with business while achieving the necessary stakeholder support / approval. Analyse and document Investment appraisals Document Business CasesSolution Implementation and Support Plan and implement the proposed solutions using structured process and project management disciplines within the agreed project parameters (Time, cost and quality). Provide the required project support during implementation while ensuring the necessary transition / handover of responsibility and accountability back to the business.Transition to a Process Organisation Coordinate and assist the organisation in its migration towards a process centric organisation. Become a subject matter expert (SME) within one or more of the portfolios within the organisation and manage and coordinate the various process initiatives within that environment.Process Design Unit Establishment Contributes to the development and consistent use of IP either through reviews and feedback on the applicability of existing IP on project completion, or through the development of IP through Virtual Teams. Establishes long-term business relationships with clients by demonstrating a sound understanding of process as a discipline, their business environment, and consistently providing delivery (trusted advisor). Creates alliances within and across organisations. Design and participate in the governance activities associated with organisational process compliance. Preferred Qualification and Experience Minimum level of education and /or knowledge Engineering, BSc or BCom Informatics, Operational risk and Financial graduates. Minimum Six Sigma Green Belt certified Industry recognised Project Management qualification Additional preferred education/ knowledge Appropriate courses will be provided, i.e.Six Sigma Project Management SBSA Group training (where required) Experience : Have at least 5 years previous experience in:Process Analysis and Process Engineering in a business process improvement / systems development environment. Process Methodologies (e.g. Six Sigma, Lean Engineering, Theory of Constraints, Design for X, CMMI etc.) Process Mapping Process Simulation Enterprise Business Architecture Project Management Corporate and Investment banking front-office/ middle office, back-office operations. Knowledge/Technical Skills/Expertise Ability to work with no or minimal supervision. Leadership and coaching abilities. Drive and perseverance. Able to communicate at various levels. Must have a questioning mind and be able to process a lot of information and deal with ambiguity. Logical thinker with an inquisitive mind who has a clear, focused and methodical approach to work. Have both a business and technical interest. Have strong analytical skills. Have good written and oral communication skills. Able to work effectively with team members. Integrity, insight, empathy, objectivity. Expert conflict management and problem solving skills. Networking skills. Consulting skills. Show initiative and be results orientated. Versatile, able to wear many hats” under different situations. Positive motivated person and motivator. Must have vision to plan ahead. Must be willing to work overtime as and when required. Team player - approachable, ability to share and consult others Planning - Look ahead and develop programs and work schedules. Anticipate problem areas. Set tough yet realistic targets. Leadership - Receive loyalty and co-operation, manage and motivate others to full effectiveness. Socially confident even when communicating disagreeable information across all levels and stand by principles and put forward ideas despite opposition Ability to function effectively in a matrix structure Demonstrates the ability to plan, prioritise, co-ordinate and manage multiple initiatives Ability to think in terms of business outcomes and results The ability to advise on complex matters to non-specialists

Job Details Group Shared Services: driving operational excellence, transparency and continuous improvement across our business, by leveraging scale, capabilities and innovation. Job Purpose Operate in a team of Business Requirements Analysts within the Business Performance Solutions area. Gather a thorough understanding of business processes and the underlying systems and data structures. This knowledge will allow the incumbent to support the management of the business by carrying out data analysis, trending, forecasting and reporting, and in doing so provide meaningful management information to be used in the day to day decision making process. Continuously improve the quality, accuracy, integrity and value of the data by giving input into the optimising of data structures and possible integration of data from a variety of diverse systems that exist within the business. Ensure all information is produced in an accurate, timely and professional manner. Assist the business in achieving operational targets by providing relevant data, information, metrics and measurements for process and people. Key Responsibilities/Accountabilities • To understand the business process, the systems that support the process, and the underlying data structures. To understand the links between the various diverse systems, and to translate these links into technical queries to facilitate an end-to-end view of data across all systems. Be able to translate a business request for data, information, metric, measurement or analysis into a technical data requirement, and to draw meaningful conclusion from the result. Have the necessary communication skills required to interact with customers at a line management level. To assist the process owners in optimising processes by analysing information to identify areas for improvement, proposing alternative solutions to address the problems, and delivering information to measure the outcome. Work closely with Process and Project managers to provide the information and analysis necessary to support and justify projects. Assist Process and Project managers by providing the necessary information and analysis required to measure the success of projects. Ensure optimum use of available technology to maximise team performance and productivity. Ensure that all reporting material is precise and produced in a timely and effective manner, ensuring that the format is appropriate to the customer. Work closely with the central EIW team to ensure that data is clean, accurate and up to date. Produce reports on a daily, weekly and monthly basis as required by the business. Automate the reporting function as far as possible to reduce time spent working on repetitive tasks. Give insight at a technical level to support any system changes or implementations. Assess the effect these changes or implementations might have on the existing data environment. Attend training courses to ensure that knowledge of best practice and available technologies is current. Maintain information systems to allow management decisions to be taken as a result of the analysis of statistical data. To undertake any other duties that may be required to meet the demands of the service that is related to the post's scope of responsibility. Preferred Qualification and Experience • Sound practical experience in Microsoft SQL Query imperative. A good understanding of database structure and design. Practical experience in Business analyst principles and methodology. Bachelors Degree or equivalent qualification with 4 years experience in the systems / data / database / MIS / IT arena. Exposure to data query tools such as Impromptu, Business Objects, SAS, Powerplay or Crystal Reports an advantage. Demonstrate the ability to translate a business requirement for information into Management Information which provides the business with true insight into the efficiency / effectiveness of the process. Business / Financial / Banking background or exposure would be beneficial. Knowledge/Technical Skills/Expertise • Business Knowledge Risk Management Project Management People Management Financial Management • Change Management

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

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

Job Details Cash & Everyday Banking 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 Understands the overall portfolio health of the areas of responsibility with a particular squad and supports the Solution Owner / Senior SME in managing any financial, operational, credit and other risks within the portfolio. 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 Qualifications BSc Comp Science, B.Com Informatics degree and / or business degree 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 Execution and delivery Innovation Influencing through communication Business Acumen User Experience Design Application of the Legislation Financial industry regulatory framework Market research Banking product knowledge Customer understanding Data analysis Measurements

Job Details Cash & Everyday Banking Job Purpose Accountable for managing the-end-to end flow of all run the bank changes and build of new solutions within an allocated client journey, in line with our growth, entrenchment and digitisation priorities Responsible to lead a multi-disciplinary and multi-skilled team to build the selected features / solutions within the client journey across multiple platforms and systems. Key Responsibilities/Accountabilities Develop and continuously review feature / solution build Accountable for the effective build and delivery within agreed timelines of the selected features and solutions in the client journey. Understands the IT landscape for the selected journey in order to ensure feasibility of features. Facilitates the relationship between feature teams and business leadership / owners, bringing the voice and priorities of the customer to the fore. Analyses and interprets the customer and employee data in terms of the feedback received in during the pre- and pilot phase the feature build. Continuously ensures that the solution built is aligned to the client journey target state. Remains accountable for the client experience as it pertains to the features. Lifecycle management and maintenance Accountable for all run (including portfolio health), production,stability,lifecycle management and maintenance initiatives across multiple platforms, systems, features (e.g. risk exposures, system outages, operational matters that impact client experience, feature changes, etc.), as it pertains to the particular squad and responsibilities. Accountable for the continued financial delivery of the solution (including post implementation). Drives platform stability and security of the platforms within the journey - alignment with any other run the bank initiatives that may impact the client journeyand makes the relevant trade-off decisions. Continually modernises platforms and solutions in line with what matters to customers. Lead teams to deliver features within the client journey Effectively lead teams to deliver the solution within the relevant agreed timelines. Timeously manages risks and issues that hamper the build and delivery of the solution. Prioritises build activities based on business and technical dependencies. Effectively manages the flow of the solution build across multiple platforms and systems and entrenches the client journey way of working. Ensures the sequencing of the solution build is understood and is a realistic view of the build and delivery of the solution. Effectively manages outputs from key stakeholders involved in the solution e.g. UX flow, technical design, UI design, story identification and writing, change management plan, marketing plan, operational metrics, etc. Provides accurate and relevant information for input into the business cases. Deliver solutions across of back, middle and front office and IT systems for the client journey Accountable to sequence and prioritise build of the solution in order to deliver against the target state journey aligned to strategic, customer and financial outcomes. Works with all relevant internal and external stakeholders to build the appropriate digitised solution in line with what matters to customers as identified by the client focus groups and interviews. Ensures the solution prototyping of the UX flow as well as the UI is executed in order for the build to take place. Together with IT (e.g., developers) ensures that business objectives are clearly articulated and prioritised for IT build. Prioritises the backlog in agreement with the Head, Solution Engineering and ensures that they are actively managed to scope and quality. Coordinates and executes the build and delivery of the solution. Communicate stakeholder needs and align with stakeholders Ensures alignment between all stakeholders through effective communication. Engages with other Solution Owners within other client journeys to ensure alignment. Manages the various relationships across all stakeholders that are involved and required to deliver the feature / solution e.g., Compliance, Security Fraud, Audit, etc Managers the relationships with all internal stakeholders that are part of the solution. Socialises all relevant stakeholders about the solution in order to address any questions and concerns (e.g., risk and compliance). Represents the Bank on industry regulated projects as it pertains to the squad deliverables / areas of responsibility. Identifies, documents and shares lessons learned with relevant stakeholders to improve knowledge and experience of the solution. This is done through retrospectives. Collaborates with other client journey teams in order to ensure knowledge sharing and building of holistic ecosystem solutions. Provides input into Learning and Development (L&D) as required to support the launch of the feature / solution across all channels within SBSA. Financial outcome Overall financial accountability as it pertains to the responsibilities of the squad including target / budget setting, understanding of performance to budgets, unlocking value to deliver on budget commitments. Ensures delivery of business and customer value through the feature / solution. Assists the Viability Analyst to build the feature / solution business cases Demonstrates the impact of the delivery of the feature / solution on cost; revenue; customer and NPS. Accountable for ensuring the business case is met once the feature / solution is scaled. Accountable to continuously track improvements of the feature / solution. Risk management Takes into account existing policies and procedures when building and testing different features / solutions whilst not incurring additional operational, credit and market risk. Ensures that the relevant risk and compliance assessments take place at all stages of the solution development. All new processes / changes to the existing process (before being scaled) must be signed off by the different risk and compliance committees (RCC's) including sign off from the business sponsor (for e.g. OSS). In particular, ensures that relevant risk items are raised at the Product RCC for approval by the Product quorum. Accountable for managing the business risk and ensures that the build is aligned to risk and compliance requirements. Scaling of feature / solution Works with the change teams to promote the solution with relevant stakeholders (e.g., RBB and the frontline / digital channels). Guides the change and Marketing teams to articulate the solution and marketing initiatives required to promote the solution correctly. Analyses and interprets feedback received from customer and staff regarding the solution and ensures necessary actions are taken to address issues (e.g., ensuring requirements are built to address these issues in the next iteration). Ensures the adoption of the solution with the necessary adoption measures that will be tracked. 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. 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. Successful delivery of outputs would be measured as follows: Successful delivery of the feature / solution Build, scale and adoption of features / solutions in the client journey Reduced risk and operational losses. Lagging indicators (e.g., ROE, acquisition, etc.) Improved NPS and or any customer survey feedback. Stakeholder feedback (e.g., internal and external). Relevant employee feedback Substantially reduced economic cost delivery of the feature / solution Preferred Qualification and Experience Qualifications BSc Comp Science, B.Com Informatics degree and / or business degree Experience 7-10 years experience Experience in managing product and solution delivery, delivering business value, managing teams and managing IT projects with multidisciplinary teams. Experience in effectively managing relationships across the value chain to deliver a programme of work. Experience in effectively managing front to back delivery teams i.e. business, specialised functions (SME's) and IT delivery. Strong business and product background. Strong technical / IT understanding Knowledge/Technical Skills/Expertise Experience in managing product and solution delivery, delivering business value, managing teams and managing IT projects with multidisciplinary teams. Experience in effectively managing relationships across the value chain to deliver a programme of work. Experience in effectively managing front to back delivery teams i.e. business, specialised functions (SME's) and IT delivery. Strong business and product background. Strong technical / IT understanding

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

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

Job Details Operations: a range of essential and complex services to ensure processes across the bank work as effectively and efficiently as possible Job Purpose To oversee the operational delivery from our GC provider as well internal operational teams to ensure that the service delivery to the client relationship is of exceptional quality and will work continual improvement of the client experience. Key Responsibilities/Accountabilities Drive the continual improvement of client experience to world class levels provide a specialist knowledge of account opening, billing, tax and settlement processes and requirements, across all the various countries included in the product offering and ensure internal and external stakeholders are educated and upskilled oversee and coordinate the end to end on and off-boarding of clients with regards to KYC, credit limits, account opening, billing, front end set up and reporting, tax set up, etc. provide proactive operational support to clients and internal stakeholders in respect of account opening, billing, tax services, front end system and reporting, KYC, etc. be an internal and external point of contact for all GC operational escalations. engage proactively with the business with regards to client requests and provide the appropriate solution and delivery to escalations and projects actively work to eliminate client complaints by assessing operational trends and escalations provide efficient and effective service by ensuring that all operational escalations are resolved timely. overseeing the timely production of invoices from the Global Custodian and to clients monitor and manage, in collaboration with internal business partners, the SLD with the Global Custodian and between SBSA operational areas, and report deficiencies to Business/Product team own the administration and management of the GC front end for SBSA in terms of new users, new accounts to be linked or delinked on respective profiles; system issues experienced internally and by clients. ensure the internal and external stakeholders receive the relevant GC front end training arrange monthly operational meetings/courtesy calls with internal and external stakeholders, collate minutes and actions and ensure action items are resolved. ensure adequate operational efficiencies and control frameworks are implemented where possible deliver consistently as promised to clients. adhere to the banks procedures and policies whilst ensuring ongoing service excellence. ensure all correspondence is handled efficiently and professionally. establish a strong internal network with key stakeholders in the bank. Preferred Qualification and Experience Minimum qualification B Com degree Legal and compliance experience an advantage Experience: Job Function: Corporate Banking Job Family: Relationship Management - Enterprise Years: 5-7 Years Experience Description: Cash and custody Job Function: Marketing and Communications Job Family: External Communications Knowledge/Technical Skills/Expertise Data Management Effective Business Communication Business Administration Skills High Involvement Facilitation Analysing and interpreting Information Product Knowledge Account opening and maintenance Financial Acumen Risk/ Reward Thinking Quality Management Policy Development Operational Planning Strategic Planning and Reporting

Job Details Group Shared Services: driving operational excellence, transparency and continuous improvement across our business, by leveraging scale, capabilities and innovation. Job Purpose To provide an effective assessment on nature and relevance of the allegations received To review secured and unsecured credit facilities against the appropriate lending policies, guidelines, procedures and regulations and assess the banks liability in lending allegations against it. This position therefore requires an intermediary understanding of credit evaluation and origination for all secured and unsecured credit facilities - in the market segment Monthly tracking, monitoring forecasting and acting on lending trends. To recommend improvements to the Lending Assessment, Unit Manager and relevant business areas in receiving and processing lending claims and on safeguarding the bank against lending claims. Regular communication with Lending assessment, unit manager and relevant stakeholders and business forums upon guidance and direction from the Lending Unit Manager. On behalf of and guidance from the Lending Assessment, unit manager- To liaise with the relevant stakeholders and business forums to optimise, the settling or defending, of lending allegations against the bank. To review, investigate report and escalate amongst other high risk defences and allegations. Ensure the integrity of credit data captured Highlight any inaccuracies which compromise the Credit decision Effectively manage and reduce the number of irregularities To liaise with the relevant stakeholders and business forums to optimise, the settling or defending, of lending allegations against the bank. Key Responsibilities/Accountabilities Assessment of Lending Claims Drive the analysis of Lending claims on behalf of the bank. Assist the Lending Assessment Unit Team leader in liaising with key stakeholders to design and implement SLAs to assure the timely and accurate response to reckless lending allegations. Assess each allegation against the appropriate lending policies, guidelines, procedures, regulations and access all operating systems under the Bank directory. Recommend appropriate action and response. Daily Management of Work Provide comprehensive feedback to the Lending assessment Team leader to enable dynamic planning and scheduling of resources to achieve output in line with SLAs. Create and maintain an electronic legal file for all matters. Where applicable a hard record Ensure thorough scrutiny of documentation in order to ensure that there are no reasonable grounds for a future rescission of judgment and/or an adverse judgment against the Bank. Operational Efficiency and Effectiveness Increase operational efficiency and effectiveness through data driven prioritisation management and accelerated execution of improvement initiatives. Keep and maintain a full set of papers within the electronic/paper file, including attachments and other source documentation for all matters To comply with operating processes to ensure that their quality and business targets are met. Ensure proper record keeping in terms of FAIS, FICA, NCA and other relevant requirements. Any delegated and/or ad-hoc functions Credit Scorecard Review and Recommendation Communicate any defects, and ideas for improvement, on scorecards, identified during course of assessments, to the Lending Assessment, unit manager in contributing to credit scorecard development to protect against reckless lending. Collate and refer back to product/credit any deficiencies in processes, documentation and systems which have led to unsatisfactory legal outcomes. Monthly Tracking Against SLAs Implement measures to indicate and manage performance against SLAs, Efficiency and Effectiveness. Adherence of SLA with stakeholders on allegations received: o NCR Allegations- o Court Matters- o Debt Councillors- o CRC- o Tribunal- o OBS o Track performance at appropriate daily, weekly and monthly intervals against agreed targets and recommend appropriate corrective and remedial action. Report and comment on daily weekly and monthly performance at the appropriate forums Action items in work queue within SLA at the right quality standard Recommending Process and Enhancements Across Credit Granting Strategies Play a supportive role to the Lending Assessment, Business Unit Team Leader in origination strategy changes driven by the Credit Portfolio teams. Communicate potential risk appetite breaches and issues with lending strategy implementations to the Lending Assessment, Unit Team Leader in timeous manner. Monitoring and Compliance Reporting any regulatory breaches and risk incidents to the Business Unit Team Leader Review and adherence to regulatory compliance Referral to Fraud and AML (Suspected operational breaches and suspicious activity) Preferred Qualification and Experience Qualifications • Matric • Diploma - Business Commerce • Bachelor of Commerce Degree • Paralegal Studies Experience • Personal and Business Banking • 5 - 7 Yrs Relevant experience within Credit Originations for this segment • 5 - 7 Yrs Relevant experience within collections or originations • Risk Management • 1 --2 Yrs Relevant experience in a Credit lending/Risk environment Knowledge/Technical Skills/Expertise • Data Management • Written Communication • Evaluation of Internal Controls • Promote Good Governance, Risk and Control • Compliance • Information Security Management

Job Details Operations: a range of essential and complex services to ensure processes across the bank work as effectively and efficiently as possible Job Purpose To support the Investment Administration Head of Operations in delivering an accurate and timely fund accounting, compliance reporting and performance reporting service to our clients. Accountable for all aspects of a client's Investment Administration Services product offering Key Responsibilities/Accountabilities Ensure completion of month-end process Outputs and measures Review the results of month end process Collation of reports from asset managers Conduct investigations & resolution of month end reconciliation issues. Guides their staff members in terms of work distribution and completion thereof Outputs and measures Prioritises work for optimal output and assists in overcoming technical/operating problems Audits work against market and professional business standards Manages team performance Encourages individual staff responsibility and contribution Manages the quality and quantity of team outputs Responsible for managing the client relationship Attend & meet with Clients Ability to run with client meetings, requests & enhancements Drive the resolution of queries Ability to apply logic & resolve queries Have a full understanding of Fund Accounting & take initiative in improving processes. Ensures Adherence to Investment Administration procedures Staff understand procedures and are monitored against these Oversees and completes investment administration duties Complete Trade reporting & daily reconciliations Conduct monthly client Billing & Revenue / Profitability Reporting Keeping abreast with Market changes with regards to Pension Fund reporting requirements Outputs and measures Knows, anticipates and understands market fluctuations Manage client audits as it relates to investment portfolios Outputs and measures Guide the audit process ensuring all documentation and paper-work is readily available. Ensuring a satisfactory audit review in each instance Preferred Qualification and Experience Qualifications Minimum qualification: Degree or Diploma in Commerce, Finance or Accounting Experience Experience required: Job Function: Finance Job Family: Accounting Years: 5-7 Years Experience Description: Accounting Experience within an investment operations environment Experience required 2 Job Function: Choose an item. Job Family: Click here to enter text. Years: 1-2 Years Experience Description: Experience required 3: Job Function: Finance Job Family: Finance Years: 3-4 Years Experience Description: A good understanding of financial markets and financial instrumentsExperience preferred 1 Job Function: Business Support Job Family: Management Years: 1-2 Years Experience Description: People Management experience Experience preferred 2 Job Function: Information Technology Job Family: Click here to enter text. Years: Choose an item. Experience Description: Knowledge and Experience working on Hiportolio system Knowledge/Technical Skills/Expertise Technical competency 1 Competency Label: Financial Accounting Competency Description: Knowledge of financial accounting principles, classifying, measuring and recording transactions using the financial systems of the Bank. Proficiency Level: SEASONED - Applies concepts without requiring supervision, able to provide technical guidance when required Technical competency 2 Competency Label: Understanding GAAP/ IFRS Competency Description: Generally accepted practice guidelines for financial accounting. Proficiency Level: SEASONED - Applies concepts without requiring supervision, able to provide technical guidance when required Technical competency 3 Competency Label: Evaluation of Internal Controls Competency Description: Copy from Technical Competency Library Proficiency Level: Choose an item. Technical competency 4 Competency Label: Financial Accounting (Fund Accounting) Competency Description: Knowledge of financial accounting principles, classifying, measuring and recording transactions using the financial systems of the Bank. Proficiency Level: Choose an item. Technical competency 5 Competency Label: Interpreting Financial Statements Competency Description: Copy from Technical Competency Library Proficiency Level: Choose an item. Technical competency 6 Competency Label: Planning, Forecasting and Budgeting Competency Description: Copy from Technical Competency Library Proficiency Level: Choose an item.

Job Details Group Shared Services: driving operational excellence, transparency and continuous improvement across our business, by leveraging scale, capabilities and innovation. Job Purpose To execute the business unit strategy and objectives through the operating model by managing the operational environment, staff, stakeholders and performance within Credit Recoveries and Rehabilitation. To appropriately facilitate, cascade and drive business goals to all required levels To effectively manage all operational and strategic issues (i.e. ergonomics, availability of resources, tools and infrastructure etc.) To effectively manage budgets and costs; Key Responsibilities/Accountabilities Excellent, consistent Customer Experience Regularly monitor customer experience to meet required performance targets Consistently enhances the customer service experience through: On-going coaching Motivating and inspiring staff through thought leadership Consistent communication of business requirements through regular team interaction Change management: Initiate, lead and embed change Ensuring all team members are business advocates (promotes image and brand of Standard Bank) Management of Operational Efficiency Assumes full responsibility and accountability of the total portfolio of potential and existing non-performing loans under the control of the Deceased Estates & Insolvencies Department. Accountable for collection rates to be maintained at an agreed percentage of gross monthly average assets under management. Ongoing communication with Team Leaders and staff regarding the need to ensure continual compliance. Monitors, manages and controls within budget or alternatively agreed guidelines: Provision adequacy; Collections; Outsourcing and Operational expenditures Introduces and maintains new collection strategies and campaigns. Manages and executes operational and performance targets according to Credit Recoveries and Rehabilitation strategy Initiates and drives operational plans to ensure continuous improvement and efficacy Engages team on business strategy updates or changes in a timeous manner Complete attendance tracking, payroll and reporting administration Implements, owns and drives holistic Credit Recoveries and Rehabilitation improvement initiatives as directed by the business Maintains good working relationships within the business (i.e. Complaints and Resolution, HR, L&D etc.) Manages and maintains the budget Interacts with other functions/ business units to ensure optimal support for Credit Recoveries and Rehabilitation operations Analyses structured performance reports and provides recommendations accordingly and where applicable implements recommendations Encourages continuous improvement and an innovation culture Management of Risk and Compliance Use and/or develop and implement risk measurements, risk management systems, processes and policies within the business Proactively identify operational deficiencies, adverse trends and manage risk within the area • Appropriately report all operational risk (i.e. boundary events, potential fraud) to Senior Manager/Risk and Compliance/Loss Control/ relevant stakeholders • Understands and dynamically applies appropriate Business Continuity Management (BCM) plans when called for Management of Quality Standards • Ensures all Credit Recoveries and Rehabilitation processes and procedures are compliant with communicated quality standards • Quality Monitoring of recovery calls • Track and monitor business/regulatory compliance • Track and monitor queue management activities • Identifies, distributes, mentors and coaches on best practices to Team Leaders People Management Creates, develop and manage a high performing team in line with Standard Bank's values by: • Understanding the business unit strategy and annual operating plan in order to provide and communicate accurate, relevant and timeous information to team members • Advocate for CRR Team: Leads and manages team • Provides support, feedback, and guidance at the point of need to resolve difficult situations • Recognises individual and team achievements • Proactively manage misconduct, below standard performance and poor customer experience through the relevant HR principles and guidelines • Regularly monitor staff sentiment and staff morale and address accordingly • Proactively shares knowledge and experiences • Focuses on team development and constructive performance feedback using coaching approach • Builds an environment and culture that enables the contact centre to meet its goals • Interacts with and provides leadership to contact centre teams • Recruitment, on-boarding, upskilling and retention of teams • Measures attrition levels within the contact centre and creates a retention management and recruitment strategy and plan in liaison with HR • Implement talent development and succession planning • Treat all individuals equally, fairly, with dignity and respect. • Ensure compliance with all HR & IR processes and procedures (disciplinary procedures, EPM, staff files etc.) • Ability to identify, manage and appropriately escalate employee wellness related matters • Sets team & individual targets and measures and manages performance • Identifies and supports training needs Key performance measures • Client Focus • Employee Engagement • Risk and Conduct • Social Economic & Environment • Financial Outcome Preferred Qualification and Experience • Matric • LLB, or Legal degree • Relevant compliance training courses completed and attended • Internal to SBSA : 2 years exposure of leadership aligned to Personal Development Plan • External to SBSA: 3 year's experience in managing a team • 5 years experience in collection/recoveries to provide a broad based understanding of the various business units; • 5 years experience in a legal environment, with exposure to deceased estates, insolvencies and / or banking; Knowledge/Technical Skills/Expertise • Good understanding of the National Credit Act; • Good knowledge and understanding of the winding up of deceased estates; • Good knowledge and understanding of the insolvency and liquidation process; • Knowledge of secured and unsecured products (i.e. Access Loans, Revolving Credit Plan, RCP, Non-performing loans etc.) • Knowledge of Standard Bank's collections policies and procedures • Knowledge of Legislative Regulations (i.e. FAIS, NCA, NCR etc.) • Knowledge of legal implications of default • Knowledge of Code of Banking Practice • Knowledge of risk, fraud management and credit principles • Knowledge of QA Principles and methodology • Knowledge of product lifecycle in collections • Knowledge of the bank's systems, policies and procedures • Knowledge of Human Resources (HR) and Industrial Relations (IR) processes • Basic knowledge and understanding of accounting terminology • Advanced literacy/ communication skills: Speaking, Listening and Writing • Display forum and meeting management: Ability to effectively use the meeting to build knowledge, facilitate business discussions etc. • Seasoned computer skills: Ability to use required hadware, software and systems i.e. MS Office • Proficient ability to manage customer interactions across multiple channels (e.g. computer, facsimile, printer/copier, database software, e-mail and SMS) • Seasoned compliance knowledge: Knowledge of, and adherence to, legal, national and international standards, as necessary • Seasoned operational or production planning and scheduling using metrics, schedules and rosters for the team taking into account operational constraints to provide uninterrupted customer service delivery • Proficient understanding audit philosophy and methodology • Seasoned ability to develop/contribute to cost budget and integrate into a larger cost budget • Proficient ability to understand, assess and manage risk

Job Details Group Shared Services: driving operational excellence, transparency and continuous improvement across our business, by leveraging scale, capabilities and innovation. Job Purpose To execute the business unit strategy and objectives through the operating model by managing the operational environment, staff, stakeholders and performance within Credit Recoveries and Rehabilitation. To appropriately facilitate, cascade and drive business goals to all required levels To effectively manage all operational and strategic issues (i.e. ergonomics, availability of resources, tools and infrastructure etc.) To effectively manage budgets and costs Key Responsibilities/Accountabilities Excellent, consistent Customer Experience Regularly monitor customer experience to meet required performance targets Consistently enhances the customer service experience through: On-going coaching Motivating and inspiring staff through thought leadership Consistent communication of business requirements through regular team interaction Change management: Initiate, lead and embed change Ensuring all team members are business advocates (promotes image and brand of Standard Bank) Management of Operational Efficiency Manages and executes operational and performance targets according to Credit Recoveries and Rehabilitation strategy Initiates and drives operational plans to ensure continuous improvement and efficacy Engages team on business strategy updates or changes in a timeous manner Complete attendance tracking, payroll and reporting administration Implements, owns and drives holistic Credit Recoveries and Rehabilitation improvement initiatives as directed by the business Maintains good working relationships within the business (i.e. Complaints and Resolution, HR, L&D etc.) Manages and maintains the budget Interacts with other functions/ business units to ensure optimal support for Credit Recoveries and Rehabilitation operations Analyses structured performance reports and provides recommendations accordingly and where applicable implements recommendations Encourages continuous improvement and an innovation culture Management of Risk and Compliance Use and/or develop and implement risk measurements, risk management systems, processes and policies within the business Proactively identify operational deficiencies, adverse trends and manage risk within the area Appropriately report all operational risk (i.e. boundary events, potential fraud) to Senior Manager/Risk and Compliance/Loss Control/ relevant stakeholders Understands and dynamically applies appropriate Business Continuity Management (BCM) plans when called for Management of Quality standards Ensures all Credit Recoveries and Rehabilitation processes and procedures are compliant with communicated quality standards Quality Monitoring of recovery calls Track and monitor business/regulatory compliance Track and monitor queue management activities Identifies, distributes, mentors and coaches on best practices to Team Leaders People Management Creates, develop and manage a high performing team in line with Standard Bank's values by: Understanding the business unit strategy and annual operating plan in order to provide and communicate accurate, relevant and timeous information to team members Advocate for CRR Team: Leads and manages team • Provides support, feedback, and guidance at the point of need to resolve difficult situations • Recognises individual and team achievements • Proactively manage misconduct, below standard performance and poor customer experience through the relevant HR principles and guidelines • Regularly monitor staff sentiment and staff morale and address accordingly • Proactively shares knowledge and experiences • Focuses on team development and constructive performance feedback using coaching approach • Builds an environment and culture that enables the contact centre to meet its goals • Interacts with and provides leadership to contact centre teams • Recruitment, on-boarding, upskilling and retention of teams • Measures attrition levels within the contact centre and creates a retention management and recruitment strategy and plan in liaison with HR • Implement talent development and succession planning • Treat all individuals equally, fairly, with dignity and respect. • Ensure compliance with all HR & IR processes and procedures (disciplinary procedures, EPM, staff files etc.) • Ability to identify, manage and appropriately escalate employee wellness related matters • Sets team & individual targets and measures and manages performance • Identifies and supports training needs Key performance measures • Client Focus • Employee Engagement • Risk and Conduct • Social Economic & Environment • Financial Outcome Preferred Qualification and Experience Qualifications • Matric • 3 year Diploma/Degree • Relevant compliance training courses completed and attended Experience • Minimum − Internal to SBSA : 2 years exposure of leadership aligned to Personal Development Plan − External to SBSA: 3 year's experience in managing a team • 5 - 8 years' experience in Customer Credit / Collections Knowledge/Technical Skills/Expertise Knowledge • Good understanding of Debt Review processes • Knowledge of secured and unsecured products (i.e. Access Loans, Revolving Credit Plan, RCP, Non-performing loans etc.) • Knowledge of Standard Bank's collections policies and procedures • Knowledge of Legislative Regulations (i.e. FAIS, NCA, NCR etc.) • Knowledge of legal implications of default • Knowledge of Code of Banking Practice • Knowledge of risk, fraud management and credit principles • Knowledge of QA Principles and methodology • Knowledge of product lifecycle in collections • Knowledge of the bank's systems, policies and procedures • Knowledge of Human Resources (HR) and Industrial Relations (IR) processes • Basic knowledge and understanding of accounting terminology Technical competencies • Advanced literacy/ communication skills: Speaking, Listening and Writing • Display forum and meeting management: Ability to effectively use the meeting to build knowledge, facilitate business discussions etc. • Seasoned computer skills: Ability to use required hadware, software and systems i.e. MS Office • Proficient ability to manage customer interactions across multiple channels (e.g. computer, facsimile, printer/copier, database software, e-mail and SMS) • Seasoned compliance knowledge: Knowledge of, and adherence to, legal, national and international standards, as necessary • Seasoned operational or production planning and scheduling using metrics, schedules and rosters for the team taking into account operational constraints to provide uninterrupted customer service delivery • Proficient understanding audit philosophy and methodology • Seasoned ability to develop/contribute to cost budget and integrate into a larger cost budget • Proficient ability to understand, assess and manage risk

Job Details Operations: a range of essential and complex services to ensure processes across the bank work as effectively and efficiently as possible Job Purpose The primary purpose of the role is to provide analytical, administrative and project support to the Head of CIB Operations SA and his management team to facilitate the execution of the CIB Operations SA Strategy. The incumbent will be required to lead or participate in strategic CIB Operations Projects and to coordinate and participate in selected CIB and CIB Ops SA forums. The core responsibilities envisaged in this role include: Key Responsibilities/Accountabilities Overall Strategy and Financial Objectives Work with the CIB Ops SA and CIB Mancos and teams to formulate and articulate business strategy, tactics and financial plan. Analysis of financials, MIS, stakeholder engagement and reporting and highlighting key matters/issues /requirements arising to the Head of CIB Operations SA. Work with business and finance and produce the performance level analysis needed to conduct monthly performance reviews with each region. Leadership Attend and represent the CIB Ops SA Manco team at various forums Accountable for promoting a performance driven culture within the area Act as change agent in the positioning and implementation of new and ongoing strategic initiatives and objectives Efficient stakeholder communication and management Enhancing Performance Coordinating and consolidating CIB Ops SA Management submissions for the various MANCO, EXCO and GOVCO reports Drafting of presentations and other documentation as required by the Head CIB Ops SA Participate and lead strategic projects Participate in and coordinate CIB Ops SA Management forums. This includes the administrative functions of the agenda as well as tracking of action items Analyze performance reports across the business to identify trends, opportunities, concerns and report these in a consolidated format as required Governance Ensure necessary governance is in place to monitor design, execution and successful implementation of business project initiatives where additional funding is required. Central owner and driver of the CIB Ops SA Business Programme Process. Preferred Qualification and Experience Qualifications Post Bachelor's graduate degree - specialisation in Finance and/or Business Management Experience Minimum 5 - 10 Years Process knowledge Banking knowledge Knowledge of financial and budgeting processes Good understanding of Management reporting Good understanding of Operations environment specifically Trade and Payments Experience in various reporting functions would be advantageous Knowledge/Technical Skills/Expertise Good understanding of the financial drivers of the CIB Ops SA Business and CIB Business Good understanding of CIB Business and CIB Ops SA business processes and support functions and strategy Good understanding of the broader CIB Operations and CIB Business strategy Familiarity with other CIB Operations product areas and support functions

Job Details Operations: a range of essential and complex services to ensure processes across the bank work as effectively and efficiently as possible Job Purpose The Product Owner (PO) is a member of the Agile Team responsible for defining Stories and prioritizing the Team backlog to streamline the execution of program priorities, while maintaining conceptual and technical integrity of the features or components for the team. The PO has a significant role in quality control, and is the only team member empowered to accept stories as done. The Product Owner is responsible for understanding the needs of the business leaders and the strategic direction of the organisation as well as leading a program of research and development to deliver a solution which meets these needs. Key Responsibilities/Accountabilities Voice of the Customer Know the Business strategy and have the ability to clearly formulate business priorities to the Feature team. Facilitate the relationship with the end-customer and business. leadership/owners, bringing the Voice and priorities of the customer to the fore. Drive out issues and have sufficient autonomy to make decisions. Be a business expert with deep product and operational knowledge. Support overall Strategy and ensure delivery on specific strategic projects Active participation in the Design Solution thinking. Manage priorities across multiple systems. Contribute to vision, roadmap and content presentations. Active daily participant in iterations and sprints (planning through to showcases) and team retrospective. Provide content during analysis for user stories. Sign-off on user stories, UAT testing. Assist in development of story acceptance criteria, fulfilling QA role. Assist in decision-making (though not required to have technical expertise). Demonstrate new functionality in release demo and be accountable for showcase reports. Attend product management meetings. Ensure the solution solves the business problem / meets the customer needs. Assimilate information from a variety of sources, and develop a coherent strategy and product roadmap. Work with the program management team and other team members to ensure that all facets of the project are delivered according to schedule. The Product Owner is responsible for collating information from various stakeholders (both internal and external) and developing an overall solution vision. The Product Owner must be able to communicate that vision to stakeholders and the team. The Product Owner is responsible for developing and updating the product roadmap. This may require the Product Owner to interface with other Product Owners to ensure that there is a roadmap alignment. Using the Agile methodology and the project management framework, the Product Owner will be responsible, with the team, for developing a structured development plan which sees the program through from inception to delivery. The Product Owner is responsible for the strategic management of the overall program, ensuring the schedules are met and risks managed. The Product Owner will be responsible for leading a multidisciplinary team to achieve the project aims. The resources will be under the direction of the Product Owner for the duration of the project. Backlog Management The Product Owner is responsible for decomposing the vision into a number of Stories, which make up the Product Backlog. Working with the team and the business, they are responsible for creating a Release and Iteration Plan based on the Backlog. Arrange meetings with Business Stakeholder to identify priorities. Provide content for Feature team backlog. Builds, prunes and maintains team backlog. Decide on user story/feature prioritisation by prioritising the feature team backlog. The PO is involved in Program Backlog refinement and preparation for PI Planning and also plays a significant role in the planning event itself. Maintain a 12 week iteration backlog in terms of PI Planning. Updates the team backlog and typically reviews and contributes to the program level vision, roadmap and content presentations. During PI Planning define and provide clarifications necessary to assist the team with story estimates and sequencing. Draft the team's specific objectives for PI Planning. Decide whether a feature gets de-scoped during the sprint process. Collaborate with Product Manager, the Scrum Master and team, collaborate on a regular basis to groom the feature backlog. Reviews and reprioritises the team backlog before iteration planning sessions. Determines dependencies on other teams. Ensures flow of work (at least two iterations' worth of stories in backlog) Maintain visual display in the Oasis Room. Productivity and service Outputs and measures Attend all SAFE ceremonies. Attend daily Stand Ups to measure team delivery, identify blockages and deal issues related and prepare for Releases. Deal issues and Stakeholder expectation. Ensure the Feature teams are sufficiently staffed and trained. Ensure the team maintains and improves velocity. Ensure the architectural runway is completed at one iteration ahead through enablers. Ensure the delivery of a working software to Business. Support the system enablement rollout across Group (includes travel). Continuous Improvement Outputs and measures Identify ways to improve processes so they are lean and efficient whilst meeting business delivery requirements in line with backlog. Identify ways to continuously improve on quality standards. Attend the retrospective meetings together with teams to review and improve teams performance. Attend Inspect and Adapt Workshop with the aim to improve delivery. Cost and Control Outputs and measuresMaintain costs within the approved budgets. Responsible to provide input into the Budget planning process. Ensure continuous focus on the appropriate cost management within the various business support units. Preferred Qualification and Experience Minimum qualifications: Appropriate Bachelor /Commerce Degree Masters Degree in Business Administration Preferred other qualifications, certifications or professional memberships Appropriate Process Qualification ie Lean, Six Sigma, SAFE Certification, PMPO, Safe for Team Certification and Agile Experience Experience required 1 Job Function: Business Support Job Family: Business Management Years: 5-7 Years Experience Description: Business Knowledge: Extensive Trade and Payment Product and Operational knowledge and experience in multiple geographies. Extensive experience in market practices within the industry In depth knowledge of SWIFT and its application to payments/trade in the financial markets Understanding of Foreign Exchange, Cash Management and Trade ProductsExperience required 2 Job Function: Business Support Job Family: Business Management Years: 5-7 Years Experience Description: Strategic Management Skill: Ability to develop and drive shared understanding of long term vision/goals. Knowledge and understanding of processes and thinking required to formulate objectives and goals for the team. The ability to manage risks and capitalise on opportunitiesExperience required 3 Job Function: Business Support Job Family: Business Management Years: 5-7 Years Experience Description: Project Management: Management of epics/stories by providing input and guidance to the team using the Agile methodologies Ensure timeous backlog delivery and rollout of stories to the team Ensure timeous delivery of all planned epics/stories for each iteration Knowledge and understanding of business process management and appropriate scientific methodologies in terms of design of business processes Application of business process methodologies to improve Client experience, productivity and quality within the environmentExperience required 4 Job Function; Business Support Job Family: Business Management Years: 5-7 years Experience Description: Leadership and People Management Skill: Conflict Management Coaching and Mentoring staff Decision making and negotiation skills Ability to lead and influence people Ability to communicate effectively at all levels Drive team performance and recognition Ability to drive high performance in teams Knowledge/Technical Skills/Expertise Technical competency 1 Competency Label: Effective Business Communication 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 othersTechnical competency 2 Competency Label: Risk Management Competency Description: Demonstrates knowledge and understanding of risk management methodologies, tools, governance structures and regulatory requirements for good management of risk Proficiency Level: ADVANCED - Mastered the concept, able to act independently, provides guidance and training to othersTechnical competency 3 Competency Label: Process Governance Competency Description: The ability to create mechanisms to ensure that designed processes are implemented correctly and that process changes are made thoughtfully and taking into consideration the impacts on people, other processes and technology. Proficiency Level: ADVANCED - Mastered the concept, able to act independently, provides guidance and training to othersTechnical competency 4 Competency Label: Project Management Competency Description: Ability to plan, initiate, execute, control and close projects related to a relevant function Proficiency Level: ADVANCED - Mastered the concept, able to act independently, provides guidance and training to othersTechnical competency 5 Competency Label: Operational Planning Competency Description The ability to translate the organisation's vision and long term goals into medium and short term deliverables. Proficiency Level: ADVANCED - Mastered the concept, able to act independently, provides guidance and training to othersTechnical competency 6 Competency Label: System/Product Knowledge Competency Description; Appropriate system/product knowledge in Payments/Trade field Proficiency Level: ADVANCED - Mastered the concept, able to act independently, provides guidance and training to others

Job Details Group Shared Services: driving operational excellence, transparency and continuous improvement across our business, by leveraging scale, capabilities and innovation. Job Purpose The Specialist is responsible for all aspects of the dialler traffic management, monitoring, reporting and analytics. The role encompasses the associated systems administration required to ensure that the resources have access to the relevant telephony systems. To ensure consistent and value add support is offered to all stakeholders. Utilize the dialler and its capabilities to improve efficiency performance with the operational areas. To utilize the dialler and its capabilities to improve staff efficiency and provide opportunities around headcount and staff savings. To analyse and interpret data in order to offer stakeholders suggestions to improve performance in their areas Key Responsibilities/Accountabilities Dialler campaign management Campaign set up Filter set up List set up Strategy set up Settings maintenance Exclusion management Product alignment Real time management List and queue management Agent set up and maintenance Sign on management Sla adherence Daily action plans Efficiency improvements Governance documents Stakeholder engagement Staff sign on creations Daily reporting Exception reporting Customer service Dialler mi analysis Solutions offerings and performance explanations on dialler influenced efficiencies Real time campaign management and monitoring Flawless and accurate mi reporting Initiatives and champion / challenger projects within the dialler Traffic management Stakeholder calibration Sample call listening Consulting / Analysis • Regular analysis of call volume, trend and headcount growth. Provide feedback to the relevant resource manager for discussion with the appropriate call centre stakeholders Meeting with operational stakeholders on a regular basis to discuss factors that could affect the call volumes. System Administration • Assisting in creating relevant access to telephony systems for use by consultants Creating of relevant Dialler and Ewfm profiles for inclusion of the consultants in the resource scheduling process Learning and Growth Up-skill and Cross-skill to ensure team functions at most optimal level. Consistently scan the environment to ensure best practices for Dialler, investigated and implemented where appropriate. Risk management • Nurturing the relationships to promote the image of and engender trust within function. • Identify, escalate timeously and recommend action in terms of risk (people, processes and technology) in accordance with relevant policies and procedures. • Ensure that actions are compliant with the policies, processes and procedures of the Call Centres • Identify any gaps in current processes • Approach risk from a holistic perspective including all systems, process and procedures Key performance measure  Campaign settings always 100% in agreement with requirements  All SLA met or where not explanation is given  All telephony infrastructure is always available and working optimally  All agents and campaign associated with the dialler and inbound are always created and managed within time  Stake Holder satisfaction  Daily guidance is given to areas to set up their areas to achieve best possible results based on the above mentioned efficiencies  All documentation is always updated and readily available and is transparent and easy to understand  Visibility on floors and required sessions  Guidance and advise offered pertaining to all aspects of dialler performance  Implementation of test scenarios and champion challenger pilots through dialler settings platform to improve performance  Ensuring campaign management is done real time and proactively and all issues are picked up immediately and not post the event  Full understanding of available of dialler settings and alternatives can be offered and any time  Utilizing multiple settings and understanding how they interact and work together Preferred Qualification and Experience • Matric/Diploma/Degree would be an advantage. • 1 to 3 years minimum experience in a dialler environment where focus was placed on: • All aspects of Campaign Management (Calling, SMS and Idialler, ISMS, Blaster) • Analytics • Stakeholder Management • Experience of Quality Assurance and Service Monitoring is preferable Knowledge/Technical Skills/Expertise Knowledge • Comprehensive knowledge of SBSA's laid down policies and procedures relating to the Credit Rehabilitation and Recoveries. • Knowledge of service standards applicable legislation. • Attendance of applicable SBSA training courses. • Knowledge and understanding of the Credit Rehabilitation and Recoveries Customer Value Proposition. • Computer literacy - working knowledge of how to access information via Intranet, Excel, Power Point, etc. Technical competencies • Computer literacy • Aspect (UIP and ALM) technology understanding

Job Details Group Shared Services: driving operational excellence, transparency and continuous improvement across our business, by leveraging scale, capabilities and innovation. Job Purpose To assist the Manager, to control and improve provision adequacy, collections, system developments, legal costs and collection strategies through the introduction of best practice and maintaining appropriate and uniform collections policies and practices across all portfolios. To give assistance to our business partners on deteriorating risk accounts on inter alia all specialized accounts to prevent such accounts from becoming non-performing loans. To ensure that staff are competent and trained and that the correct culture and leadership qualities are introduced and maintained. Create effective partnerships with chosen vendors. Ensure the effective operations of Vendor output Drive communication between vendors and line manager. Ensure that the targets are achieved by your vendors Responsible for coaching, performance management, upskilling and staff development of the Agents To act as the first point of escalation for customer default issues and complaints To be accountable for the execution of the tactical and operational plans aligned to business unit strategy To effectively manage the working environment (i.e. efficiencies, Effectiveness, availability of resources, tools and infrastructure etc.) Key Responsibilities/Accountabilities • Monitoring adherence to internal controls and regulatory requirements and enhancing procedures, in need. Accountable for collection rates to be maintained at an agreed percentage of gross monthly average assets under management. Ongoing communication with staff regarding the need to ensure continual compliance. Compliance with statutory, regulatory and supervisory requirements, to protect the reputation of the Group and to avoid legal action / sanction in respect of regulatory compliance matters. Maintaining high ethical standards to prevent market abuse. Increasing awareness amongst staff of legislation applicable to the business . Reporting any breaches and exposure to the business unit head and or the division's Regulatory Compliance Officer. To monitor, manage and control within budget or alternatively agree guidelines: Provision adequacy; Collections; Outsourcing and Operational expenditures. Introduce and maintain new collection strategies and campaigns. Manage employee diversity. Ensure that staff, at all times, are skilled and training is constantly receiving attention. Maintain succession planning. Maintain Performance Management Control and maintain management information. Reporting to Manager on results and changes if required to do so. People Management and responsible for people management practices such as resourcing, equality, training, development and performance management. Liaise with business partners on developments within all portfolios product and their needs. Control and maintain credit policies and procedures. Maintain and control Business Continuity Plan. • Any ad-hoc function delegated by Senior Management/Executive. Key performance measure • Excellent and Consistent Customer Experience • Efficiency and Effectiveness • Engaged and committed people • Regulatory & Compliance Internal and external relationships • Building and maintaining a sound and effective working relationship with team members and other departments. • Relationships based on Performance of 3rd parties (i.e. liquidators, attorneys, auctioneers, etc.) • Internal Relationships [Credit, Finance and Vendor compliance] • External Relationships [Attorneys and outsourced collections agencies] Preferred Qualification and Experience • Matric • Paralegal Diploma or equivalent or Degree • 2 years experience in a team leader role • 3 years experience in a Collections Unit. • Legal experience • 3 years general banking experience to provide a broad based understanding of the various business units. Knowledge/Technical Skills/Expertise • Strong leadership skills • Good Networking skills • People management skills • Good knowledge of HR policies/procedures and labour relations • Excellent presentation skills • Good knowledge of Business lending Products. • Good knowledge of the process workflow Early Stage, Late Stage and Legal Department. • Good knowledge of CDDS , CACS & MIS). • Excellent knowledge of the debt collections processes. • Excellent knowledge of the legal process including sequestrations/liquidations and deceased estates processes. • Excellent knowledge of collaterals / securities and the realisation thereof. • Good knowledge of other Retail Credit products. • Good knowledge of credit and lending principles. • Good understanding of the Code of Banking Practice and branch accounting systems and procedures. • Good knowledge of the branch distribution network processes. • Good knowledge, understanding and interpretation of business financials. • Ability to analyse accounts and formulate effective strategies for collections. Technical Skills • Risk Management ability • Good Negotiation skills • Computer literacy( MS office, Excel, CDDS, SAP)