Job DescriptionTo execute and manage the Credit Risk strategy with a view of maximising the return on capital employed whilst maintaining an acceptable level of risk in terms of the Company's credit ethics Identify potential financial risk that the annual business plan might bring about and ensure measures are taken to manage that risk against the financial expenditure budgetCreate, analyse and interpretbudget Variance Reports to ensure financial planning and accruals are adjusted to accommodate changes in business operations Increase operational efficiency and suggest solutions to enhance cost effectiveness control costs for business areaMonitor revenue growth for applicable income streamsDetermine targets for revenue growth Identify and implement on opportunities for revenue growthContribute to the development of larger overall area budgetDevelop the budget for the next financial year for area of responsibility taking all operational plans into considerationResearch and design a longer term financial resource requirement plan for the area of responsibilityPresent the business case to motivate for financial resourcesAnalyse and develop implementation plans against the forecasted financial budgetDevelop tactical budget for area of responsibility that minimise expenditure and manage costsControl the budget for area including the authorisation of expenditures and implementation of financial regulationsBuild relationships that allow for the managing of expectations; the sharing of knowledge and diverse insights; and the creation of buy-inEngage in cross-functional relationships to obtain and to provide work supportContribute to sustaining a competitive edge through external networking, benchmarking and representation on related forumsApply a customer-centric approach that focuses on creating a positive experience for the customer by maximizing service and/or product offerings and building relationshipsEnsure that the customer is at the centre of the business philosophy, operations and ideasDesign and deliver customer service solutions, systems and interactions aligned to Organisational values and service standardsEstablish, manage and maintain sound relationships with stakeholders based on trust that builds the brandDrive continuous improvement in customer service delivery that prevent problems from arising in the future in a proactive manner Implement service delivery and efficiency modelsEnhance the service experience by ensuring the alignment of multiple service delivery processes and channels, and putting the customer first Introduce best practice customer service solutions and efficiency modelsMonitor and evaluate all customer touch points to ensure the effectiveness of customer experienceMaintain expert knowledge on relevant legislative amendments, industry best practices and provide of advice to relevant stakeholdersMaintain up to date knowledge of local and global trendsProvide thought leadership and expertiseProvide input into, and implement, corporate governance, compliance, integrity and ethics policies in are of accountability to identify and manage risk exposureStays abreast of relevant industry risk management best practices and legislative amendments and suggests ways to leverage these to ensure continuous improvementCreates risk awareness and manages audit findings Participate in Group risk forums where required and cascades relevant information through teamEnsure integrated view and reporting of relevant business informationAnalyse information to identify trends, discrepancies and inconsistencies for decision making purposes Ensure reporting of identified inconsistencies or opportunitiesUse the insights gained through integrated business reports to measure success and realign tactical strategy implementation objectives appropriatelyUnderstand the competency and skills sets to be mastered to ensure personal and employee development and performanceIdentify development needs and select effective solutions to address own and employee development needs to facilitate improvement of self and teamEnsure that each employee prepares a personal development plan that is implemented and reviewed as requiredCreate an environment conducive to cross-functional skills transferKeep abreast of learning opportunities, changing products and trendsProvide guidance, share knowledge and expertise and guide employees to find their own solutionsShare constructive feedback that motivates others to growManage performance of team or teams in areas of responsibility against expected individual and team delivery targetsManage performance moderation, disciplinary action, recognition and retention processes in line with HR policies and proceduresBuild team succession plans for roles in own area and influence resource planningEnsure clear contracting and assessment of performance expectations in line with identified objectives and enable a learning and growth cultureImplement people resource planning in line with delivery and performance objectives within budget and in partnership with specialised areasImplement talent management practices in line with HR policies and proceduresProvide direction, coaching, and regular feedback to employees to improve performance and implement performance improvement initiativesEnsure that skills are transferred in specific functionEnsure implement employment equity plan target achievement in all recruitment and employee movement activities Identify current and future human capital needs and skills requirementsEnsure relevant resolution of conflict and respond to any complaints or concernsEstablish an enabling climate and culture to energise employees, give meaning to work, minimise work disruption and maximise employee productivityInfluence the development and enablement of a culture and climate where the organisational values are demonstrated and livedInfluence the understanding and adoption of the organisational strategic direction Job Details Application Closing Date
15/05/24 All appointments will be made in line with FirstRand Group's Employment Equity plan. The Bank supports the recruitment and advancement of individuals with disabilities. In order for us to fulfill this purpose, candidates can disclose their disability information on a voluntary basis. The Bank will keep this information confidential unless we are required by law to disclose this information to other parties.
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