Ensure that all activities and duties are carried out in full compliance with regulatory requirements. Enterprise-Wide Risk Management Framework and internal Absa Policies and Policy Standards. Understand and manage risks and risk events (incidents) relevant to the role.
Job Description
Accountability: SALES TO ECOSYETEM CUSOTMER TIME SPLIT 60%
- Deliver exceptional sales performance by identifying and meeting customer needs through selling & cross selling of all Absa Bank Retail products and services to ecosystem customers.
- Provide direct “hands on” sales support (quality lead generation and effective follow-up) to generate and convert quality leads into sales.
- Participate in specific product campaigns by ensuring that the products are explained to customers.
- Agree, meet and exceed targets for specific sales campaigns.
- Maintain own sales performance statistics for management information usage.
- Own and manage personal products & channel sales targets to contribute towards the direct sales objectives and targets.
- Refer to the appropriate area of delivery for specialist product help or advise (e.g. Schemes or Mortgage) when uncertain about the product delivery or application process. Respond directly to the customer.
- Complete account opening documentation together with customers and submit to Line Manager for review before submitting to operations for processing.
- When selling loans to ecosystem customers, complete the financial analysis and statement review on customer accounts. Where customers do not meet the minimum criteria, advise the customer verbally or in writing as the customer requires. Report such denials to the Line Manager on a daily basis.
- Call customers when their accounts have been opened and provide the customer with contact information for the branch at which their account is held.
Accountability: CUSTOMER SERVICE TIME SPLIT 15 %
- Own customer queries and complaints around account opening, loans and card applications and resolve in a timely manner. Escalate any unresolved queries, or queries not resolved in a short period of time to the Line Manager.
- Build relationships with internal service providers (Operations and the KYC Helpdesk) to ensure a quick turnaround time of escalated queries and complaints.
- Advise customers as soon as new loans are approved and encourage drawdowns on the new loans
- Open scheme loan accounts referred by the Scheme Loans Relationship Managers
Accountability: OPERATIONAL RIGOUR, COMPLIANCE AND CONTROLS TIME SPLIT 15 %
“Ensure that all activities and duties are carried out in full compliance with regulatory requirements, Enterprise-Wide Risk Management Framework and internal Absa Policies and Policy Standards. Understand and manage risks and risk events (incidents) relevant to the role.”
- Ensure accuracy of each new account application, loan document, Barclaycard application and all other customer documents. Lead Generators (LGs) are held personally accountable for accuracy and quality of these and supporting documents that they complete and submit.
- Achieve operational rigour excellence in all aspects of procedures and processes personally undertaken to ensure green audit.
- Follow the Retail end to end account opening ensuring new accounts are authorized and KYC compliant. Escalate any items that exceed the agreed service level timelines or where there are unresolved KYC requirements, to the Line Manager.
- Comply with general Absa operational risk & rigour requirements e.g. Health & Safety standards and security of premises, KYC and anti-money laundering regulations.
Accountability: CONTRIBUTE TO THE DEVELOPMENT OF THE TEAM/PERSONAL DEVELOPMENT TIME SPLIT 10%
- Share knowledge and experience with other Lead Generators in the team.
- Provide cover for other Lead Generators in case of excessive workload or absence.
- Deputize for the Line Manager whenever required.
- Agree annual performance objectives with the Sales Manager, including specific sales targets.
- Pursue continued improvement in personal development by participating in development programs and training.
Education
Further Education and Training Certificate (FETC): Business, Commerce and Management Studies (Required)
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Accountability: Strategy and Leadership - 60%
- Build and develop high performing team through driving high sustainable performance offering the unique solutions for the proposition in the Cluster/Region
- Develop winning strategies that will help the bank penetrate the market faster and remain competitive in Region/Cluster assigned
- Delivering excellence in sales and developing new leads from outside the Bank
- Conduct road shows endorsed by the Shariah Advisory Board to promote Islamic Banking products
- Using the existing network to maximize sales to Bank customers and maintaining a leads database
- Performing to plans as agreed, to drive profitability and increase market share
- Review of customer base to identify and exploit opportunities through design and implementation of new La Riba products and services
- Hosting customer forums to enhance awareness about Islamic products to ensure maximum benefits are achieved.
- Identifying issues and escalating appropriately.
- Training and development, coaching of staff to ensure broad awareness of Islamic banking products
Accountability: Service and Customer Relationship Management - 30%
- Arrange for Islamic Banking customer forums to obtain feedback on products and Services in the region/Cluster
- Managing and leading customer and alliance partner relationships in the Cluster/Region
- Working in close cooperation with other Business Teams, to provide a world-class La Riba offering to customer groups
- Build relationships with internal stakeholders & service providers in assigned region
- Research, create and follow up on a La Riba target list for potential new business.
Accountability: Products Development - 10%
- Identify opportunities for new product development and enhancement in line with Emerging Markets Consumer strategy.
- Guide the development of all Islamic Banking products using the appropriate Islamic Finance instrument
- Ensure balance sheet and income targets are met for the Islamic Banking proposition in the Cluster/Region in your responsibility
- Contribute ideas for alternative product strategies to manage the mix of Asset and Liabilities.
- Monitor and provide feedback on Islamic banks’ product activity, strategy and pricing
Role/Person Specification
Qualifications
- Business Degree
- Minimum 3 years in SME sales management experience in a bank with good appreciation of Absa’ business culture, objectives, products and services.
- Experience in sales and leadership
- Experience in Islamic banking
Knowledge and Skills
- Detailed knowledge of Absa Retail & business banking products strategy
- Detailed knowledge of Muslim banking culture
- Knowledge of the Islamic Banks competitor landscape & processes
- Understanding of Shariah Law, Shariah Board and Shariah Audits
- Knowledge of Islamic Financial instruments.
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The Revenue Assurance Manager plays a key role in ensuring the accuracy and integrity of revenue streams within the organization. This position involves analysing data, identifying revenue risks, and implementing controls to mitigate these risks. The Revenue Assurance Manager collaborates with various departments to monitor revenue-related processes, identify opportunities for improvement, and support the organization's revenue assurance efforts.
Key Accountabilities
- Revenue Leakage Detection: Identify potential revenue leakage points, including billing errors, pricing and system inaccuracies, and fraudulent activities. Investigate discrepancies and implement controls to prevent revenue loss.
- Data Analysis: Analyze large datasets to identify anomalies, trends, and patterns related to revenue streams. Utilize analytical tools and techniques to conduct thorough reviews of revenue data and transactions.
- Process Monitoring: Monitor revenue-related processes and systems to ensure compliance with internal policies and regulatory requirements. Identify areas of weakness and recommend process improvements to enhance efficiency and accuracy.
- Risk Assessment: Assess risks to revenue streams and develop strategies to mitigate these risks. Collaborate with cross-functional teams to implement controls and safeguards to protect revenue integrity.
- Reporting and Documentation: Prepare reports and documentation detailing revenue analysis findings, recommendations, and action plans. Communicate findings to management and stakeholders and provide regular updates on revenue assurance initiatives.
- System Enhancement: Work closely with IT teams to identify system enhancements and improvements to support revenue assurance efforts. Participate in testing and implementation of system changes to ensure accuracy and reliability of revenue data.
- Training and Education: Provide training and support to staff on revenue assurance processes, controls, and best practices. Ensure that relevant stakeholders understand their roles and responsibilities in maintaining revenue integrity.
- Collaboration: Collaborate with finance, operations, IT, and other departments to align revenue assurance efforts with organizational goals and objectives. Foster a culture of collaboration and continuous improvement across departments.
Preferred Education
- Bachelor's degree in finance, accounting, business administration, or a related field.
Preferred Qualifications
- At least 5 years’ experience in a banking environment performing revenue assurance and management reporting.
- Familiarity with core banking systems
- Handson experience with pricing and billing systems
- Excellent analytical skills to enable resolution of unstructured and complex problems.
- Thorough knowledge of features and benefits of all products and services
- Detailed knowledge of the bank’s operational environment, processes, and procedures to respond to complaints.
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