Standard Bank Group is a leading Africa-focused financial services group, and an innovative player on the global stage, that offers a variety of career-enhancing opportunities – plus the chance to work alongside some of the sector’s most talented, motivated professionals. Our clients range from individuals, to businesses of all sizes, high net worth families and large multinational corporates and institutions. We’re passionate about creating growth in Africa. Bringing true, meaningful value to our clients and the communities we serve and creating a real sense of purpose for you.

To provide insights and analytics on assets, transactional and liability product performance as input into broader decision making in order to drive delivery of a margin above budget year-on-year. To monitor assets and liabilities product changes and performance and ensure that system changes are tested and implemented within deadlines with the support of Product Managers and IT.

• Analyse available data, and in certain instances sources data from external sources and recommend proposed solutions for product enhancements (e.g. competitor pricing information, regulatory trends and changes in customer transaction patterns, credit portfolio management trends, risk appetite performance trends, etc.).
• Analyse market dynamics, pricing trends, market opportunities, operating and sales margins to develop reports, procedures and tools for pricing and price discounting for fees an interest, and make recommendations to Product Managers on pricing enhancements to improve digital uptake in the network (e.g. the customer pays less if cash is withdrawn at the ATM instead of inside the Branch).
• Conduct detailed performance and profitability analysis (financial performance) using financial reports in order to prepare product performance reports with appropriate recommendations on which products to focus on or revamp.
• Curb income leakages by reviewing the transaction volume reports, liabilities and loan balances reports and analysing it to identify revenue leakages and produces a dashboard.
• Continuously monitor and test processes and data to detect errors in order to improve reporting efficiencies. Develop and understand core customer insights through customer analytics and Market Insights (MI) and data science.
• Ensure correct implementation of pricing for all customer propositions, including Franchising and Public Sector entities, as well as key Mid-Corporate customers by testing post-implementation and doing pricing assurance continuously.. 

• First Degree Statistics, Actuarial Science, Business Commerce or related from a recognised Institution
• Atleast 2-3 years experience and exposure to Branch and Private Banking.
• Experience in data management and knowledge of all PBB transactional, liabilities, lending products and mobile network billing (i.e. Card, Channel, UPL and Insurance, etc.). 
• Knowledge of databases, SQL programming and understand the technicalities related to these systems.
• Good understanding of FTP and behaviour tenor of products.

Behavioural Competencies:

• Adopting Practical Approaches
• Checking Things
• Examining Information
• Interpreting Data
• Taking Action
• Team Working

Technical Competencies:

• Data Analysis
• Analysing and Interpreting Information
• Risk Identification
• Product and Services Knowledge