PRIMARY PURPOSE The purpose of the role is to support the Personal and Business Banking divisions. This role will be crucial in managing the full P&L for Merchant Services and Card Transactions for both business and personal banking segments. This individual will also drive cost efficiency including scheme costs, review contracts, and identify cost-saving opportunities. The ideal candidate will have significant experience in business partnering, understanding scheme costs and processes, working closely with frontline and product teams, and have a track record of optimizing financial performance in these areas. TECHNICAL COMPETENCY REQUIREMENT + Financial Acumen + P&L Management & Cost Optimization + Leadership & Team Management + Strategic Thinking & Problem Solving + Analytical Mindset + Relationship Building & Stakeholder Management, Internal Controls, Scheme + Cost optimisation, System integration and automation, Business case development REQUIRED MINIMUM EDUCATION AND TRAINING An accounting qualification CA (SA), OR CIMA. REQUIRED MINIMUM WORK EXPERIENCE 5-7 years prior experience in Finance and Business roles KEY PERFORMANCE AREA (KPA) FINANCIAL • Take full ownership of the Merchant Services P&L and Card P&L for both Business Banking and Personal Banking, ensuring accurate reporting, analysis, and financial performance. • Drive the financial performance of card and merchant services, ensuring profitability while maintaining a focus on cost control and efficiency. • Lead efforts to drive cost efficiency across all scheme-related activities, focusing on reducing scheme costs and penalties. • Oversee and manage all expenses within the Personal and Business Banking divisions, ensuring accurate financial reporting and controls. • Identify opportunities to optimize costs, streamline processes, and implement cost-saving initiatives without compromising service delivery CUSTOMER CENTRICITY • Levels and quality of service delivery as experience by internal & external stakeholders • Interprets business/customer requirements to provide timeous solutions. • Responsiveness: Speed of responses, reaction time, going the extra mile, turnaround time • Degree of customer satisfaction from customers. • Participate in building solid business cases for Opportunities Identification (Cross-sell, upsell, acquisitions, new products, etc). Campaigns Formulation & Tracking. • Provision of quality insightful Client, Product, Channel, Banker Analytics. 1. Rate x volume type analysis. 2. Unpack the make up of rate to clearly articulate what works or does not work and clarity of action. 3. Volume - Distil the impact of volume analysis to clearly reflect on corrective action and who needs to action what. OPERATIONAL EXCELLENCE • Understand the operations of the various systems within the division and how these feed into the reporting system. • Understand the finance operations of the division and ensure that all general ledger recons are per the Quality Recon Governance Framework. • Understand billing on the relevant products and how this translates to acquiring and transactional revenue. • Lead the Operational Risk committee for PBB Finance PEOPLE LEADERSHIP • Embrace diversity in race, gender, religion. Diversity in skills, experience, and work across capability to problem solve. Employee Net Promoter Score (eNPS) • Lead, mentor, and develop a team of 2 finance professionals, ensuring high performance and fostering professional growth. DATA MANAGEMENT • Identify repetitive processes and reimagine the process. Eliminate manual work arounds. Eliminate/reduce the number of journals processed on a regular basis. STAKEHOLDER MANAGEMENT • Work alongside key business decision makers. REPORTING • Timeous reporting to supported Business and external parties. LEARNING AND GROWTH • Keeping abreast of own development and ensure exposure is gained based on development areas. • Provide training and development to staff. • Take ownership for driving own career development WORK CONDITION: OFFICE BOUND