Senior Specialist: SME Finance (Small Medium Enterprises)

SME Finance supports decision-making within the SME portfolio through the provision of relevant, high quality financial information and insight at a segment and portfolio level. The SME Finance team is focused on delivering a clear, commercially grounded view of performance, rooted in historical trends and forward looking ambitions for small and medium enterprises across sectors and geographies.

The strategic value of robust financial analysis in the SME context is critical. By providing transparency on portfolio health, risk adjusted returns, growth drivers, and structural challenges, SME Finance enables the SME ExCo and senior Business Banking leadership to identify areas of strength, pressure points, and scalable growth opportunities. This analysis goes beyond core financial metrics, incorporating market dynamics, client behaviour, competitive positioning, and product economics to deliver a holistic view of the SME business.

• End to end financial planning for SME Banking, including the preparation and review of forecasts and short and medium term budgets.
• Preparation of management and Exco level financial reporting, including insightful commentary.
• Commercial and strategic analysis of portfolio performance, revenues, costs, margins, credit dynamics, pricing, and returns.
• Competitor and market analysis, including trends in SME lending, transactional banking, and fintech models.
• Ad hoc financial analysis and research to support strategic initiatives and portfolio optimisation decisions.
• Manage and execute deliverables to Exco and senior management in collaboration with teammates.
• Compile review packs for submission to Exco and relevant committees.
• Execute ad-hoc queries based on external and internal requirements.
• Compile competitor analysis for interim and year-end reporting.
• Attend meetings to assist executives in achieving team goals.

• B Com degree with Honours.
• CA SA / CIMA (5-8 years post qualifying) or Non-CA SA / CIMA (7-10 years’ experience in Financial Services).
• Experience working closely with data, MI, and analytics teams.
• Exposure to MI tools, data modelling, dashboards, or basic coding (e.g. SQL, Python) is an advantage.
• Previous exposure to financial management reporting in a financial services organisation.