Short Term Insurance Home Owners Contents Consultant (FAIS)

Absa Group

Available Locations: Johannesburg, Gauteng

Job Description

Job Summary


Absa Group is seeking a client‑centred Short‑Term Insurance Homeowners & Contents Consultant to advise, quote, underwrite, service, retain, and grow a portfolio of Personal Lines Homeowners (Buildings) and Household Contents policies. You will operate within FAIS “Fit & Proper” requirements, Treating Customers Fairly (TCF) principles, POPIA, and Absa’s risk and compliance frameworks. Your success will be measured through conversion, retention, cross‑sell/upsell, compliance quality scores, and exceptional customer experience.



Key Responsibilities


Sales, Advice & Underwriting



  • Provide compliant, needs‑based advice on Homeowners (buildings) and Household Contents cover, endorsements, limits, and optional benefits.

  • Accurately assess risk, gather underwriting information, and place or amend cover within delegated authority.

  • Prepare competitive quotes, convert leads, and execute targeted cross‑sell/upsell campaigns (e.g., All‑risk, Motor, Portable Possessions).


Servicing & Retention



  • Manage end‑to‑end policy servicing: amendments, renewals, premium reviews, cancellations, reinstatements, and billing queries.

  • Proactively retain clients through value articulation, risk mitigation tips, and re‑broking (where permitted).

  • Maintain high first‑call resolution and NPS/CSAT scores.


Compliance, Governance & Quality



  • Operate strictly under FAIS, FICA, TCF, POPIA, and Absa policy standards.

  • Keep all RE, Class of Business, Product Specific Training and CPD requirements current.

  • Achieve audit/QA targets on all written and verbal advice records (RoA), disclosures, and file notes.


Operations, Reporting & Continuous Improvement



  • Capture all interactions on Absa’s CRM/policy administration systems with complete, accurate data.

  • Work collaboratively with Claims, Collections, and Risk teams to resolve client issues swiftly.

  • Contribute to process optimisation, digital adoption, and product/UX feedback loops.



Required Skills and Qualifications



  • Matric/Grade 12 (essential).

  • Relevant NQF Level 4/5 qualification in Short‑Term Insurance or Financial Planning (advantageous if already FAIS‑credited).

  • RE5 (Representatives) passed (essential) or obtained within the regulatory timeframe if under supervision.

  • Class of Business (Personal Lines) & Product Specific Training completed (or willing to complete before rendering advice).

  • Up‑to‑date CPD hours in line with FAIS requirements.

  • Strong technical understanding of Personal Lines HOC (Homeowners & Contents) products, underwriting principles, excess structures, and policy wording.

  • Proficiency with policy administration & CRM platforms (e.g., TIA/Guidewire/Salesforce or similar) and MS Office 365.

  • Excellent consultative selling, objection handling, and relationship management skills.

  • High attention to detail, numerical accuracy, and documentation discipline.

  • Clear, professional verbal and written communication in English (additional South African languages an advantage).



Experience



  • 2–4 years’ experience in Short‑Term Insurance (Personal Lines) with a focus on Homeowners (Buildings) & Household Contents—across sales, underwriting, or servicing.

  • Demonstrated track record of hitting conversion, retention and quality/compliance KPIs.

  • Experience working within a bank‑tied or insurer/broker environment, with exposure to TCF, POPIA, FICA, and risk & compliance controls.



Working Hours



  • Monday to Friday, 08:00–17:00 (SAST) with rotational Saturday support (e.g., 08:00–13:00) based on business need.

  • Occasional after‑hours / peak‑period availability for escalations, renewals, or campaigns.

  • Hybrid/office-based model may apply depending on business unit policy.



Knowledge, Skills & Abilities


Knowledge



  • FAIS Fit & Proper framework, TCF outcomes, POPIA, FICA.

  • Personal Lines underwriting, policy wording interpretation, and claims lifecycle awareness.

  • Pricing mechanics: premiums, underwriting loadings, excess structures, risk mitigation.


Skills & Abilities



  • Needs analysis & advice recording (RoA) with impeccable compliance.

  • Negotiation, retention tactics, and premium re‑engineering.

  • Data accuracy, documentation, and CRM hygiene.

  • Ability to work to daily SLAs, QA standards, and sales/retention targets.

  • Resilience, problem‑solving, and a continuous improvement mindset.



Benefits



  • Competitive base salary + performance incentives/bonuses.

  • Medical aid, provident/pension fund, and risk benefits.

  • Preferential staff banking & insurance rates.

  • Education assistance (study support, CPD sponsorship).

  • Wellbeing programmes, EAP, and paid volunteer days.

  • Career mobility across Absa’s pan‑African footprint.


(Actual benefits may vary by band/level and will be confirmed during the recruitment process.)



Why Join Absa Group?



  • Work for a leading African financial services group with a strong brand, robust governance and innovation agenda.

  • Define and grow your career in a high‑performance, customer‑first environment.

  • Access cutting‑edge digital tools, data, and integrated banking/insurance ecosystems.

  • Be part of a culture that values inclusion, transformation, learning, and community impact.



How to Apply



  1. Visit the Absa Careers Portal and search for “Short Term Insurance Home Owners Contents Consultant (FAIS)” (use the Job ID if provided).

  2. Submit your CV/Resume, FAIS documentation (RE5 certificate, qualification transcripts, Class of Business/Product Training records), and CPD log (if applicable).

  3. Complete the online application & assessments.


Apply Now

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