64 Standard Bank Cib Risk Management Graduate Programme 2025 jobs in South Africa

Job category: Credit Analysis and Risk Management

Contract: Permanent

Remuneration: Market Related

EE position: Yes

The JSE recognises that its success and strength depend on the quality of its employees. We are committed to fostering a culture of continuous learning and high standards of performance. Our employee wellness programme is designed to encourage work-life balance for employees. We naturally seek to empower staff and encourage diversity and opportunities for all.

To develop, implement and maintain a robust credit, liquidity, counterparty credit and market risk management infrastructure and performing critical quantitative functions to create market integrity and enable the JSE to operate the cash and derivative markets.

• Provide strategic thinking and contributions to crafting of departmental business plan based on professional knowledge and experience, to ensure delivery of focus areas for the year in support of departmental strategy.
• Apply cost effectiveness principles in planning and delivery to contribute to achievement of divisional financial targets.
• Provide input into the formalisation for the divisional budget.
• Develop a robust risk management plan by identifying weaknesses in the current framework, research possible solutions, quantify impact of the solution and finally make a recommendation to present to governance committees and JSE EXCO to mitigate risks.
• Measure performance by identifying and managing exposures to mitigate and minimise impact to the JSE and market participants.
• Develop methodologies to measure/monitor risks and to mitigate risks on a per risk basis.
• Propose solutions by analysing risks using industry best practices, past experience and mathematical skills to develop a risk framework.
• Assess and efficiently implement regulatory standards and requirements regarding settlement assurance.
• Ensure systems, products or projects delivered contributes to improve client/JSE service by providing input on budgets, resources required and process based on the understanding of costs, business objectives and relationship with external suppliers and stakeholders.

• Build strategic JSE / Industry/ Global network of thought leaders and relationships utilising social media, attending and presenting at conferences and training interventions.
• Manage stakeholder relationships by understanding new products, investigating risks and advising on best solutions to consistently meet client’s needs.
• Build and maintain networks across the JSE and the financial market industry by seeking and providing guidance on financial instruments to gain information of new risks and engaging clients on exposures, products and trends.
• Provide risk monitoring tools such as dashboards, logs and escalate if necessary.

• Manage own delivery by establishing a delivery plan and setting timelines, identify obstacles to delivery and take appropriate action where required.
• Deliver work consistently by identifying, monitoring, measuring managing and mitigating Market, Credit, Counter Party credit, Operational and Liquidity risk by measuring and analysing processes and exposures, come up with potential future scenarios and quantify the impact those scenarios can have on the JSE, its clearing members and clients.
• Identify risks for stakeholders and the JSE by applying First - Principles and using thresholds and limits and historical information.
• Develop, assess and entrench Risk Management Frameworks and regularly conduct independent evaluations thereof and propose same to the board when appropriate.
• Design risk reports, conduct evaluations using exposure reports to assess levels of risk and identify new risks and escalate when appropriate.
• Propose levels of risk appetite.
• Analyse results of daily risk quantification by comparing performance of model market performance against regime, quantify risk mitigation to assess whether the new mitigations need to be implemented and if so, at what stage.
• Determine appropriate collateral types including risks and levels of discounting thereof.
• Assess exposures and collateral placed against the exposure, reassess the exposure and calculate required collateral and report findings to the appropriate division.
• Establish and monitor key risk indicators, as well as propose and implement corrective action plans to mitigate risks.
• Participate in ad hoc projects by developing models and quantification procedures ensuring outputs meet business expectations.
• Conduct research to keep abreast of best industry practices and regulatory changes to ensure effectiveness of the company's risk frameworks.
• Establish bank capital calculations with regard to contributions to any mutualised default fund.
• Propose methodologies for and establish regulatory and economic capital quantification for the JSE to ensure the solvency of the JSE.
• Liaise with regulators to respond to regulatory queries, comment on draft regulations and reporting to regulators.
• Supply clients with information to help them analyse and understand capital requirements by applying methodologies and make information as intuitive and explanatory as possible.
• Assist with queries when clients enquire on valuation models and initial margin calculations.
• Develop models for new products to help understanding.
• Assess accuracy of valuation models on a regular basis by using methodologies and established processes and procedures.
• Develop various new risk methodologies, propose to relevant governance committees, document risk methodologies and implement risk methodologies after approval.
• Assess new products by analysing the risk to JSE, conducting quantification on products, conducting and implementing risk mitigation methodologies, ensuring compliance with JSE.
• Provide input into the new products committee by making recommendations on whether to support new product to ensure compliance with JSE.
• Make proactive recommendations to Board and Risk committee and to EXCO on capital and risk related policies, including risk appetite of the JSE to help establish complete and comprehensive risk frameworks, appetites and policies.
• Design and specify new systems and processes for implementation for internal and external clients.

• Degree in Risk.
• Post-graduate (Honours / Masters / PhD in quantitative field and/or FRM, CFA or similar industry qualification).
• 5 years risk management experience in a trading, investments quantitative or market risk environment.

• Basic software applications (e.g., Outlook, Word, Excel, Access, Internet, Email).
• Divisional service offerings.
• Business continuity standard.
• Business principles.
• Data analysis.
• Decision-making process.
• Industry trends.
• International Standards for Professional Practice.

Results Delivery

• Provide strategic thinking and contributions to crafting of departmental business plan based on professional knowledge and experience, to ensure delivery of focus areas for the year in support of departmental strategy. Apply cost effectiveness principles in planning and delivery to contribute to achievement of divisional financial targets.
• Provide relevant input into the formalisation for the divisional budget. Implement a robust risk management plan by identifying weaknesses in the current framework, researching possible solutions, quantifying impact of the solution and finally presenting to governance committees and JSE EXCO to mitigate risks.
• Measure performance by identifying and managing exposures to mitigate and minimise impact to the JSE and market participants.

• Measure, monitor and report on credit, liquidity, counterparty credit and market risks and to mitigate risks on a per risk basis.
• Develop performance measures of risk mitigation.
• Propose solutions by analysing risks using industry best practices, past experience and mathematical skills to develop a risk framework.
• Assess and efficiently implement regulatory standards and requirements regarding settlement assurance.
• Ensure systems, products or projects delivered contribute to improve client/JSE service by providing input on budgets, resources required and process based on the understanding of costs, business objectives and relationship with external suppliers and stakeholders.

• Build strategic JSE / Industry/ Global network of thought leaders and relationships utilising social media, attending conferences and training interventions.
• Manage stakeholder relationships by understanding new products, investigating risks and advising on best solutions to consistently meet client’s needs.
• Build and maintain networks across the JSE by gaining information on existing and new products and assessing the risks thereof.
• Provide risk monitoring tools such as dashboards, logs and escalate when necessary.

• Manage own delivery against set delivery plan and set timelines, identify obstacles to delivery and take appropriate action where required.
• Deliver work consistently by identifying, monitoring, measuring, managing, and reporting on Market, Credit, Counter Party credit, and Liquidity risk by measuring and analysing exposures, coming up with potential future scenarios and quantifying the impact those scenarios can have on the JSE, its clearing members and clients.
• Identify risks for stakeholders and the JSE by applying First - Principles and using thresholds and limits and historical information.
• Apply and entrench Risk Management Frameworks and regularly conduct independent evaluations against performance thereof and report back to the board by reporting exposures and the business’ performance against same.
• Compile and conduct risk evaluations using exposure reports to measure risks and identify new risks and escalate where appropriate.
• Analyse results of daily risk quantification by comparing performance of model market performance against regime, quantify risk mitigation to assess whether the new mitigations need to be implemented and if so, at what stage.
• Assess exposures and collateral placed against the exposure, reassess the exposure and calculate required collateral and report findings to the appropriate division.
• Establish and monitor key risk indicators, as well as implement corrective action plans to mitigate risks.
• Prepare exposure and various other reports on a regular basis for team, risk committees and board if relevant to the clearing members.
• Participate in ad hoc projects by developing models and quantification procedures ensuring outputs meet business expectations.
• Conduct research to keep abreast of best industry practices and regulatory changes to ensure effectiveness of the company's risk frameworks.
• Conduct bank capital calculations and regulatory and economic capital quantification for the JSE to ensure the JSE stays solvent.
• Liaise with regulators to respond to regulatory queries, comment on draft regulations and reporting to regulators.
• Supply clients with information to help them understand capital requirements by applying methodologies and make information as intuitive and explanatory as possible.
• Assist with queries when clients enquire on a valuation model and develop models for new products to help understanding.
• Assess accuracy of valuation models on a regular basis by using methodologies and established processes and procedures.
• Develop various new risk methodologies, document risk methodologies and implement risk methodologies after approval.
• Assess new products by analysing the risk to JSE, conducting quantification on products, conducting and implementing risk mitigation methodologies, ensuring compliance with JSE.
• Provide input into the new products committee by making recommendations on whether to support new product to ensure compliance with JSE standards.

• Improve personal capability and professional growth relating to field of expertise, in line with JSE objectives by discussing development needs and proposed solutions with management.
• Keep abreast of changes in legislation or standards by conducting research and utilising networks.
• Upskill team and other professionals by sharing knowledge and research results.
• Epitomise living the JSE values, displaying professional conduct and adherence to required technical standards.

• Analyse, research, develop and implement improvement/innovative ideas and value adding solutions contributing to divisional and JSE results.

• Degree in Risk (Essential) Post-graduate (Honours/ Masters)
• Degree in Financial Quantitative field (Preferred)
• 5 years risk management experience in a trading, investments quantitative or market risk environment

Description

Bluespec is looking for a Group Financial Manager with experience specifically in the Risk space as they will be taking care of the Risk Management Portfolio.

This is a high paced environment with many exciting challenges, come and join the biggest Automotive Company in Gauteng

Job Purpose

In this role, you will be building relationships with key stakeholders, work closely with operations to secure alignment on account planning activities.
The Finance Manager is responsible for all aspects of financial management, ensuring compliance with internal policies and procedures. This role builds the capacity of the Company’s finance team. S/he oversees the day to day work of the finance department and is responsible for the effective use and deployment of staff and financial resources.

All financial reporting, policies and procedures, while driving reporting excellence

Risk Management portfolio

Forensics

Internal Auditing

Provision of support to functional leaders with respect to financial reporting
Development and continued integration of financial systems
Project budgeting, forecasting and cash flow forecasting
Business analysis including monitoring
Team leadership and training of local staff

Key Responsibilities include: Management of the Finance & Administration Department:

a. Lead and manages the finance team ensuring all areas are functioning effectively (including taxation, cost management, accounting, payroll and reporting).
b. Oversee administrative functions
c. Oversee all vendor contracts including sourcing, negotiation and ensuring appropriate agreements, execution and service levels
d. Ensure that all activities are done according to budget and forecasts.

e. Plan, organise and control the high level activities related to the department.

f. Develop and maintain progression and succession plans for the department as per company and HR guidelines; this includes the development, implementation and maintenance of a department skills matrix among other requirements

Cost.

a. Monitor operating budget performance and actively participates in the monthly review process.

b. Accountable for the preparation of the budget and on delivery (costs and time)

c. Negotiate and manage third party service providers in order to reduce costs

Planning

a. Plan work according to business requirements and guides all activities accordingly

b. Manage the annual site planning and administrative process

People & Team Management

a. Develop and encourage a team approach with shared objectives

b. Review and communicate individual and team performances in daily, weekly, monthly team meetings.

c. Create and maintain strong relationship with all internal and external stakeholders

d. Active involvement in employee development by mentoring, training and coaching employees of the departments to enhance overall team skills development

e. Develop and monitor the progress of employee development and progress plans.

f. Ensure all key people program requirements are met including timely performance management reporting, core training and development programs, etc.

g. Ensure the Finance and Administration Team is executing in their roles and responsibilities to an expected industry standard Policy.

Procedure and Process Development

a. In consultation with corporate management, review relevant policy and procedures.

b. Communicate with corporate staff to ensure effective alignment and collaboration on key initiatives

Innovation and Improvement

a. Actively participate in the continual review of company procedures and make recommendations as required

b. In collaboration with the Business Performance Manager, identify and address business process opportunities in all areas to further improve effective and efficient operation

c. Identifies, investigates and implements improvements to all commercial operations in order that security management capability that will satisfy External audit controls compliance

EXPERIENCE AND QUALIFICATIONS REQUIRED:

BCom Accounting degree – non-negotiable

Minimum 10 - 12 years' relevant experience post articles

Motor industry experience would be beneficial, however manufacturing and construction industry would be considered

Insurance background would be advantageous

Experience mentoring, coaching and building and leading teams with people at all level

Demonstrated experience designing and developing financial, cost and performance management reports

Experience developing and improving business processes

Strong communication skills in English

Business Segment: Corporate & Investment Banking

The role will encompass the requirement to drive thought leadership, execution and implementation of the operational risk management processes and framework as a key enabler to achieving business objectives in NFR in SA and trusted risk management business partner that equips business with the tools to mitigate financial, reputational and regulatory impact of operational risk incidents.

This will require the anticipation of external drivers coupled with impacts of current and planned systems, processes, products and strategic changes on the risk profile of the business and to guide decision making on controls to manage and mitigate these risks.

Qualifications Required:

• Commercial or Legal Degree.
• Post-graduate qualification in Risk Management.

Minimum Experience Required:

• 5-7 years in Risk - Operational Risk Management.
• 3-4 years in Risk - Regulatory Compliance.
• 5-7 years in-depth business and commercial acumen into the banking functions and services.

• Articulating Information
• Challenging Ideas
• Directing People
• Examining Information
• Exploring Possibilities
• Generating Ideas
• Making Decisions
• Providing Insights
• Resolving Conflict
• Upholding Standards
• Economic Capital Management

Results Delivery

• Provide strategic thinking and contributions to crafting of departmental business plan based on professional knowledge and experience, to ensure delivery of focus areas for the year in support of departmental strategy.
• Apply cost effectiveness principles in planning and delivery to contribute to achievement of divisional financial targets.
• Provide relevant input into the formalisation for the divisional budget.
• Implement a robust risk management plan by identifying weaknesses in the current framework, research possible solutions, quantify impact of the solution and finally present to governance committees and JSE EXCO to mitigate risks.
• Measure performance by identifying and managing exposures to mitigate and minimise impact to the JSE and market participants.
• Measure, monitor and report on credit, liquidity, counterparty credit and market risks and to mitigate risks on a per risk basis.
• Develop performance measures of risk mitigation.
• Propose solutions by analysing risks using industry best practices, past experience and mathematical skills to develop a risk framework.
• Assess and efficiently implement regulatory standards and requirements regarding settlement assurance.
• Ensure systems, products or projects delivered contributes to improve client/JSE service by providing input on budgets, resources required and process based on the understanding of costs, business objectives and relationship with external suppliers and stakeholders.

Stakeholder Relationship Management

• Build strategic JSE / Industry/ Global network of thought leaders and relationships utilising social media, attending conferences and training interventions.
• Manage stakeholder relationships by understanding new products, investigating risks and advising on best solutions to consistently meet client’s needs.
• Build and maintain networks across the JSE by gaining information on existing and new products and assessing the risks thereof.
• Provide risk monitoring tools such as dashboards, logs and escalate when necessary.

Process Performance Management

• Manage own delivery against set delivery plan and set timelines, identify obstacles to delivery and take appropriate action where required.
• Deliver work consistently by identifying, monitoring, measuring managing, and reporting on Market, Credit, Counter Party credit, and Liquidity risk by measuring and analysing exposures, come up with potential future scenarios and quantify the impact those scenarios can have on the JSE, its clearing members and clients.
• Identify risks for stakeholders and the JSE by applying First - Principles and using thresholds and limits and historical information.
• Apply and entrench Risk Management Frameworks and regularly conduct independent evaluations against performance thereof and report back to the board by reporting exposures and the business’ performance against same.
• Compile and conduct risk evaluations using exposure reports to measure risks and identify new risks and escalate where appropriate.
• Analyse results of daily risk quantification by comparing performance of model market performance against regime, quantify risk mitigation to assess whether the new mitigations need to be implemented and if so, at what stage.
• Assess exposures and collateral placed against the exposure, reassess the exposure and calculate required collateral and report findings to the appropriate division.
• Establish and monitor key risk indicators, as well as implement corrective action plans to mitigate risks.
• Prepare exposure and various other reports on a regular basis for team, risk committees and board if relevant to the clearing members.
• Participate in ad hoc projects by developing models and quantification procedures ensuring outputs meet business expectations.
• Conduct research to keep abreast of best industry practices and regulatory changes to ensure effectiveness of the company's risk frameworks.
• Conduct bank capital calculations and regulatory and economic capital quantification for the JSE to ensure the JSE stays solvent.
• Liaise with regulators to respond to regulatory queries, comment on draft regulations and reporting to regulators.
• Supply clients with information to help them understand capital requirements by applying methodologies and make information as intuitive and explanatory as possible.
• Assist with queries when clients enquire on a valuation model and develop models for new products to help understanding.
• Assess accuracy of valuation models on a regular basis by using methodologies and established processes and procedures.
• Develop various new risk methodologies, document risk methodologies and implement risk methodologies after approval.
• Assess new products by analysing the risk to JSE, conducting quantification on products, conducting and implementing risk mitigation methodologies, ensuring compliance with JSE.
• Provide input into the new products committee by making recommendations on whether to support new product to ensure compliance with JSE standards.

Self-Management

• Improve personal capability and professional growth relating to field of expertise, in line with JSE objectives by discussing development needs and proposed solutions with management.
• Keep abreast of changes in legislation or standards by conducting research and utilising networks.
• Upskill team and other professionals by sharing knowledge and research results.
• Epitomise living the JSE values, displaying professional conduct and adherence to required technical standards.

Transformation and Innovation Contribution

• Analyse, research, develop and implement improvement/innovative ideas and value adding solutions contributing to divisional and JSE results.

• Degree in Risk (Essential) Post-graduate (Honours/ Masters)
• Degree in Financial Quantitative field (Preferred)
• 5 years risk management experience in a trading, investments quantitate or market risk environment

Reference: JHB000960-VM-1

Leading organisation within the investments and financial services industry requires a Risk Consultant for the KZN branch. This position is based in Kloof / Gillitts.

1. Minimum 5 years’ experience as a Broker Consultant / Life Insurance Agent.
2. Preference will be given to candidates with a CFP.
3. RE5 is essential.
4. Have completed relevant class of business and product-specific training.
5. FAIS compliant (continuous professional development).
6. Completed supervision for long-term insurance categories.
7. Ability to function at a strategic level whilst fulfilling operational responsibilities.
8. Meet the FAIS honesty, integrity and good standing requirements.
9. Meet the FAIS minimum experience requirements in respect of long-term insurance products.
10. Must not have been declared insolvent or provisionally insolvent.
11. Appropriate tertiary qualification (bachelor’s degree in commerce, finance, investments preferable).
12. Have a qualification recognised by the FSCA for FAIS purposes.
13. Fully computer literate, xPlan experience advantageous.
14. Excellent communication skills, verbal and written.
15. Excellent negotiation and persuasion skills.
16. Client-oriented, with strong interpersonal skills and able to take the initiative (self-starter).
17. Provide and implement advice in respect of insurance needs and solutions to clients in conjunction with the company Partner.
18. Analyse and identify Life and Short-Term Insurance (STI) opportunities within the client bases of their panel of financial planning partners.
19. Prepare comprehensive advice documents (proposals, comparisons, and quotations) for presentation to clients.
20. Provide specialist advice in respect of Life Insurance (Death, Disability and Critical Cover) needs, including Estate Planning and Business Assurance.
21. Implement the agreed solution for clients and manage underwriting and other onboarding requirements.
22. Review clients' cover according to internal business procedures or if client circumstances change.
23. Acquire short-term insurance leads from the company’s financial planning partners.
24. On receipt of the client’s consent, refer clients to the STI tele-advisor and book an appointment for the client.
25. Maintain and develop client relationships.
26. Support and contribute to company initiatives to communicate, educate, and engage clients.
27. Monitor and report on the success and implementation of client and partner-focused initiatives.
28. Adhere to the culture and principles of TCF – treating customers fairly.
29. Comply with Group and Industry regulatory requirements.

Monthly plus Basic Salary + Commission

• 3-4 years Operational Risk Management. Practical knowledge and experience of applicable Short Term Insurance legislation which would include an understanding of the SAM regulatory environment, the Insurance Act and other applicable legislation to the insurance business.
• 5-7 years Practical knowledge of risk, control frameworks, assurance & applications in the financial services industry. Fully conversant in risk appetite, risk responses & process improvement concepts. Understand of both regulatory and financial reporting risk principles.
  
  

• Interpersonal skills.
• Ability to interact with diverse stakeholders, for example, Executive management, Regulators, Line management and operational personnel at all levels.
• Analytical and strategic thinking abilities.
• Attention to detail
• Good communication Skills - written, verbal and presentation skills.
• Disciplined and have high level of integrity, professionalism and trustworthiness.
• Customer service focused
• Team player
  
  

• Risk and governance experience.
• An understanding of the risk environment in which the different business units operate.
• Understand the legal implications and pitfalls of insurance legislation and policy wordings.
• Financial planning / budgeting.

Business Segment: Insurance & Asset Management

Location: ZA, GP, Roodepoort, Ellis Street 4

To provide pro-active management and operational support enabling the implementation of the risk management strategy across the Short Term Insurance business unit of the Insurance and Asset Management (IAM) cluster.

Minimum Qualifications

Type of Qualification: First Degree

Field of Study: Actuarial Science/ Risk Management/ Finance related/ BCom

1. 3-4 years Operational Risk Management. Practical knowledge and experience of applicable Short Term Insurance legislation which would include an understanding of the SAM regulatory environment, the Insurance Act and other applicable legislation to the insurance business.
2. 5-7 years Practical knowledge of risk, control frameworks, assurance & applications in the financial services industry. Fully conversant in risk appetite, risk responses & process improvement concepts. Understand of both regulatory and financial reporting risk principles.

• Interpersonal skills.
• Ability to interact with diverse stakeholders, for example, Executive management, Regulators, Line management and operational personnel at all levels.
• Analytical and strategic thinking abilities.
• Good communication Skills - written, verbal and presentation skills.
• Disciplined and have high level of integrity, professionalism and trustworthiness.
• Team player.
• Risk and governance experience.
• An understanding of the risk environment in which the different business units operate.
• Understand the legal implications and pitfalls of insurance legislation and policy wordings.