Job Description Welcome to FNB – where we design for the shapeshifters and deliver products and services that make us incredibly proud of people that make it happen. As part of our team in FNB Projects & Operations, you will be surrounded by unique talents, diverse minds, and an adaptable environment that lives up to the promise of staying curious. Now’s the time to imagine your potential in a team where experts come together and ignite effective change.

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.

• 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.

• 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.

• Opportunities to network and collaborate.
• A challenging working environment.
• Opportunities to innovate and shape portfolio solutions for Public Sector and NPO clients.

• Adaptable and curious.
• Commercially astute and able to interpret financial statements.
• Comfortable working with data, performance metrics, and portfolio dashboards.
• Client-centered, proactive, and disciplined in managing both growth and risk.
• Able to thrive in a collaborative environment.

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Important Closing Date Note Take note that applications will not be accepted on the below date and onwards, kindly submit applications ahead of the closing date indicated below. 09/07/26

All appointments will be made in line with FirstRand Group’s Employment Equity plan. The Bank supports the recruitment and advancement of individuals with disabilities. In order for us to fulfill this purpose, candidates can disclose their disability information on a voluntary basis. The Bank will keep this information confidential unless we are required by law to disclose this information to other parties.