Job Description To analyse credit data to estimate the degree of risk in extending credit or lending money to ensure year on year total consumer revenue growth.
Deliver against operational and cost targets. Prioritise resource allocation to minimise and reduce wastage. Monitor costs for the financial year according to the operational plan. Allocate and approve expenditure. Review cost reports and resolve or explain variances to the budget. Identify, control and escalate potential risks that may lead to increased costs. Manage costs or expenses within approved budget to achieve cost efficiencies. Deliver customer experience excellence aligned to organisational values and service standards. Build professional long-term relationships with customers based on trust that builds the brand. Collect and interrogate information and feedback to ensure full understanding of customer needs to deliver a quality service. Deliver service that exceeds customer expectations through proactive, innovative and appropriate solution selection and application. Provide customers with relevant information to keep them informed of products and service options. Ensure full understanding of customer needs to deliver a quality service. Ensure customer service solutions are aligned to the business operational plan, organisational values, and service standards. Communicate how customer service solutions will be implemented and secure buy-in. Ensure product knowledge and advice is technically accurate and provide customers with relevant information to keep them informed of products and service options. Ensure resolution of customer queries and complaints timeously and ownership of issues. Analyse customer feedback to help improve customer service. Propose ideas to improve customer service. Build relationships that allow for the managing of expectations, sharing of knowledge and diverse insights, and creation of buy-in. Engage in cross-functional relationships to obtain and provide work support. Implement, monitor, and control business processes according to quality standards, policy, and compliance and governance requirements in area of accountability. Ensure the development, alignment, mapping, and implementation of end-to-end processes aligned to the customer journey map. Research, enable, and consult on improvements and opportunities to harness technology and platform enablement. Review existing processes and suggest innovative ideas to improve and streamline processes to drive efficiencies and minimise redundancy. Monitor customer feedback reports and align processes to maximise efficiencies. Improve business decisions by providing accurate and reliable business intelligence (information) together with analysing trends and data. Provide regular reports on delivery of services against agreed service level agreements and in terms of overall customer targets. Accumulate information to review work progress that provides input to reporting, decision making, and identification of improvement opportunities. Ensure compliance with relevant statutory, legislative, policy, and governance requirements in area of accountability. Ensure implementation of relevant policies, governance, and practice standards across the business. Maintain knowledge on relevant legislative amendments, industry best practices, and internal compliance procedures and requirements. Ensure compliance is adopted in terms of systems and procedures as laid out by the organisation and review in response to audit findings and changes. Develop an understanding of risks and risk management approaches, implement, and provide input into the development of governance and compliance procedures and processes within area of specialisation, and identify risks. Educate others and make suggestions for improvements. Network and participate in specialist risk forums where required. Provide input into the development of the business area tactical strategy in achievement of the overall business strategy. Develop and implement an area operational plan in achievement of business objectives. Assess own performance against competencies and skills required for delivery. Identify development needs and select effective solutions to address own development needs. Prepare a personal development plan with management to implement and review as required. Monitor own progress against development plan and measure impact of results. Promote teamwork and inclusivity amongst team members and demonstrate behaviours that respect diversity. Partner and collaborate with team members to achieve team success. Share information and knowledge that benefits the team. Qualifications and Experience Minimum Qualification: BCom Degree or relevant. Experience: 3 Years experience. Job Details Application Closing Date: 07/09/24
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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About Us Serving retail and commercial customers, FNB is so much more than a bank, offering life and short-term insurance, innovative savings and investment products, and a digital universe of solutions that help customers navigate challenges and opportunities of everyday life. It has a market-leading app and a globally recognised rewards system in eBucks. FNB has won multiple awards, including the Strongest Banking Brand in the World in the Brand Finance Banking 500 2023 report. FNB represents multiple opportunities for you to build an exciting and rewarding career, especially if you want to change people's lives in an authentic, profound, and sustainable way.
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