Role Purpose
- To strategically lead and manage a portfolio of high-value Public Sector clients, with a particular focus on NPO and related ecosystem segments, by driving sustainable growth, profitability, retention, digital adoption, transact primacy, compliant advisory engagement, and effective client acquisition.
- The role is accountable for building strong, trust-based stakeholder relationships, proactively identifying portfolio risks and opportunities, enabling relevant ecosystem solutions, and ensuring measurable performance against financial, client, digital, risk, and operational indicators.
Core Responsibilities
- Manage portfolio profitability by improving cost-to-income performance, deepening client relationships, and growing client value across relevant product and transactional solutions.
- Enhance business performance through disciplined portfolio management, proactive client engagement, and targeted growth initiatives.
- Drive customer service delivery in line with predefined standards and operational objectives.
- Grow and retain the client base by managing existing clients, identifying new leads, increasing active account usage, and supporting new-to-bank acquisition.
- Develop and manage key stakeholder relationships that enable achievement of operational and strategic objectives.
- Drive customer migration and digital adoption by recommending appropriate solutions, improving usage, and supporting efficient client journeys.
- Set tactical goals and optimise the use of people, finances, data, and technologies to realise portfolio and strategic objectives.
- Define and execute sales strategy and delivery plans in support of strategic business objectives.
- Assess and evaluate credit applications in accordance with the Bank’s Credit Policy and within set time frames.
- Ensure compliance with legislative, conduct, advisory, risk, audit, and internal process requirements.
- Compile portfolio reports that track progress, highlight leading indicators, and guide informed management decisions.
- Continuously assess own performance, seek timely feedback, and request training where appropriate.
- Manage people, where applicable, by executing line manager responsibilities and creating an environment that encourages employee growth and performance excellence.
Leading Indicators and Strategic Levers:
- Early risk detection: monitor changes in account activity, transactional flows, service concerns, dormant behaviour, declining values, and competitor displacement signals.
- Client engagement cadence: maintain deliberate engagement plans aligned to client value, risk, growth potential, onboarding stage, and strategic importance.
- Activity-based performance indicators: track meaningful client interactions, pipeline quality, onboarding progress, adoption conversations, merchant services enablement, and retention interventions.
- Data-led portfolio management: use dashboards, portfolio reviews, and management information to direct effort toward the highest-value opportunities and risks.
- Strategic alignment: connect portfolio actions to broader segment objectives, including growth, transact primacy, digital migration, ecosystem play, retention, and improved profitability.
Ideal Candidate Requirements
- Relevant NQF 7 qualification and National Senior Certificate / Matric Certificate.
- RE5 accreditation is mandatory for this role, given the advisory nature of client engagement and the compliance expectations within the banking environment.
- Ability to interpret financial statements and assess the commercial, operational, and risk implications for clients.
- Strong relationship management, advisory, sales, digital enablement, and portfolio management capability.
- Not an unrehabilitated insolvent.
End Date: July 9, 2026
