Payments Specialist Commercial Issuing

Empowering Africa’s tomorrow, together…one story at a time. With over 100 years of rich history and strongly positioned as a local bank with regional and international expertise, a career with our family offers the opportunity to be part of this exciting growth journey, to reset our future and shape our destiny as a proudly African group. Job Summary The Payment Specialist is responsible for driving Commercial Issuing (CI) business growth through new sales origination, portfolio expansion, and solution‑based customer engagement. The role focuses on increasing turnover, utilisation, market penetration, and Net Interest Revenue (NIR), while protecting and growing the existing portfolio in line with Absa Commercial Issuing strategy. Job Description 1. Financial Deliverables Drive new Commercial Issuing turnover, overall generation, and Net Interest Revenue (NIR) in line with scorecard targets. Build and manage a monthly CI sales pipeline and convert a minimum of 30% of pipeline into active business. Drive cross‑sell opportunities to improve product mix and profitability across new and existing clients. Grow backbook performance through increased utilisation and expansion of existing facilities. Generate and submit qualifying B2B leads to support incremental revenue and ecosystem growth. Proactively manage down‑trading clients by engaging customers, diagnosing root causes, and proposing additional CI solutions. Conduct bi‑monthly visits to Top 10 customers and target engagements with declining turnover clients. Generating and submitting T&E leads to support incremental revenue to payment specialist and KAM respectively. 2. Non‑Financial Deliverables Ensure CI products are embedded in segment strategies, banker community campaigns, and tactical sales initiatives. Execute at least one CI‑focused sales campaign per quarter aligned to sector priorities. Increase CI product visibility by promoting new Commercial Value Propositions (CVPs) and articulating NIR contribution. Manage and resolve complaints, queries, and feedback from segment teams timeously. Strengthen stakeholder relationships with Relationship Executives, Segment Leads, Sector Heads (CIB), CRA, and Operations. Leverage industry relationships (e.g. TMCs and industry forums) to unlock new CI sales opportunities. Attend CST, sales forums, and segment meetings across accountable sales areas. 3. Portfolio & Client Management Conduct Quarterly Business Reviews (QBRs) to assess product entrenchment and identify cross‑sell opportunities. Assess Virtual Pay opportunities within Travel & Entertainment industries for Top 30 clients and B2B card settlement solutions within the Top 50 customer portfolio. Identify accounts with unutilised limits and implement utilisation strategies. 4. Governance, Discipline & Client Experience Schedule and attend client meetings jointly with Relationship Executives, validate meeting minutes provided by CLOs, and ensure timely distribution. Act as an escalation point for unresolved operational issues, prevent sales force complaints, and ensure missing payments are supported with correct proof and allocation. Education and Experience Required Bachelor's Degree 5 - 6 years Payments experience Education Bachelors Degree and Professional Qualifications: Business, Commerce and Management Studies (Required) Absa Bank Limited is an equal opportunity, affirmative action employer. In compliance with the Employment Equity Act 55 of 1998, preference will be given to suitable candidates from designated groups whose appointments will contribute towards achievement of equitable demographic representation of our workforce profile and add to the diversity of the Bank. Absa Bank Limited reserves the right not to make an appointment to the post as advertised