Job Purpose To direct; add value and enable business decisions through effective consolidated financial analysis; reporting and controls across a range of business functions or companies; in line with Nedbank business strategy. Job Responsibilities Provide meaningful recommendations, explanations and highlights of concerns or anomalies by analysing and interrogating financial information. Ensure accurate and timeous budgets are submitted and reviewed by ensuring that they align with key economic indicators and group strategic initiatives. Ensure accurate financial results by reviewing reconciliations and following up on unreconciled items. Compile Financial statements by complying with IFRS and relevant regulatory frameworks. Comply with relevant legislation by reviewing and submitting statutory returns timeously. Consolidate financial reports and make value added recommendations by using information from various sources. Understand and meet stakeholders requirements through ongoing engagement. Assist in the achievement of group collaboration initiatives by identifying opportunities to create beneficial partnerships and synergies. Ensure relevant, best practice analysis and reporting by providing ongoing guidance and coaching to the team. Meet deadlines and targets through prioritising effectively, planning and communicating. Maintain high standards of analysis and reporting within defined timeframes by planning, organising and monitoring workflow. Contribute to intellectual capital development by providing continuous motivation, mentoring, coaching and on the job skills training. Achieve business objectives within a specific timeframes by scheduling and coordinating activities and identifying appropriate resources to perform these activities. Manage defined risks in the finance function and risk categories at targeted levels by adhering to internal and external guidelines/policies/ procedures/business rules/ compliance and governance requirements. Support the achievement of the business strategy, objectives and values by reviewing Nedbank and Business Unit Plan and ensuring delivered systems, process, services and solutions are aligned. Identify training courses and career progression for self through input and feedback from management. Ensure all personal development plan activities are completed within specified timeframe. Share knowledge and industry trends with team and stakeholders during formal and informal interaction. Obtain buy-in for developing new and/or enhanced processes (e.g. operational processes) that will improve the functioning of stakeholders' businesses by highlighting benefits in support of the implementation of recommendations. Contribute to a culture conducive to the achievement of transformation goals by participating in Nedbank Culture building initiatives (e.g. staff surveys etc). Participate and support corporate responsibility initiatives for the achievement of business strategy (e.g.Green Strategy). Seek opportunities to improve business processes and systems by identifying and recommending effective ways to operate and adding value to Nedbank. Job Responsibilities Continue Rewards: Financial Strategy and Forecasting : Lead the development and execution of financial strategies for the rewards program, including budgeting, forecasting, and scenario analysis to ensure alignment with business goals and profitability targets. Rewards Liability Management : Oversee the accurate accounting and reporting of rewards liabilities, including breakage assumptions, provisions, and financial entries. Performance Analysis and Reporting : Analyse the financial performance of the rewards program, providing insights and recommendations on cost efficiency, redemption trends, and revenue optimization to senior leadership. Value-Added Services( VAS): Financial Oversight of VAS: Manage the financial planning, performance analysis, and reporting for all Value-Added Services (VAS), ensuring revenue growth and profitability from services like electricity, airtime, and other offerings. Partnership Management: Collaborate with internal teams to structure financially viable VAS partnerships, including negotiating terms, revenue-sharing models, and analysing financial impact on the overall business. Cost Optimization and Pricing Strategy: Develop and implement pricing strategies for VAS products, ensuring competitive pricing that drives customer engagement while optimizing margins and maintaining financial sustainability. Non Interest Revenue (NIR) Reporting: Business Intelligence: Work very closely with business intelligence team to produce volume and unit level NIR insights. Business rules: Devising business rules and application on datasets (through business intelligence) to produce aforementioned unit level insight. Reconciliations: Reconciliation of data insights to the general ledger to validate integrity. Thought leadership: Business partnering to drive revenue generation, address revenue leakage and provide analytical insights. Minimum Experience Level 5 years in financial management preferably in the financial services industry and 2 years managing others Strong understanding of non-interest revenue and its importance in a banking context. Ability to provide insights into NIR to support strategic decisions such as pricing and identifying revenue leakage. Experience working with data specialists or business intelligence teams. Ability to specify rules for data analysis and reconcile data insights with financial ledgers to ensure accuracy and integrity. Ability to collaborate effectively with cross-functional teams, including those with technical expertise in data. Strong communication skills to convey complex financial data to non-financial stakeholders. Comfortable working with data, even if not directly handling SQL or other technical tools. Ability to work with data partners to achieve common goals and bring a finance perspective to data analysis. Experience in product management or product development is a plus, with the ability to rate their experience level. Essential Qualifications - NQF Level Professional Qualifications/Honours Degree Preferred Qualification Chartered Accountant Technical / Professional Knowledge Banking procedures Business Acumen Cluster specific operations Data analysis Governance, Risk and Controls Industry trends Relevant regulatory knowledge Relevant software and systems knowledge Remuneration policies and principles Research methodology