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Sanlam Life and Savings (SLS) is focused on serving our retail and corporate clients in South Africa and further developing our strategic advantages in the South African market. Sanlam Life and Savings consists of three clusters - Sanlam Corporate, Sanlam Retail Mass and Sanlam Retail Affluent. The Sanlam Life and Savings Office provides strategic direction, coordination and support to the three clusters, as well as performing governance oversight that includes assurance provided by second line of defense functions in SLS, to enable us to meet our business objectives. Sanlam Life and Savings (SLS) offers retail and corporate life insurance and investment products in South Africa. The cluster provides clients with a comprehensive range of appropriate and competitive financial solutions, designed to facilitate long-term wealth creation and protection. SLS believes in creating and cultivating a positive, energised working environment that gives you every opportunity to achieve success. Sanlam FinTech (SFT) aims to fast-track financial access using digitally led solutions and leveraging digital innovation to drive sustainable growth and inclusivity. The cluster's mandate is the dual objective of spearheading the development of a future-ready business model while fortifying the resilience of the traditional one. It further aims to converge a single ecosystem that incorporates financial guidance, rewards, non-intermediated product offerings and seamless payment capabilities to deliver the integrated digital experience that today's client expects. SLS: Risk Management forms part of the SLS: Actuarial department. It provides risk and balance sheet management services to both SLS and SFT. The focus areas of the SLS: Risk Management team are to deliver efficient risk reporting and risk management solutions across SLS and SFT, provide projections, stresses, sensitivities, and other risk management information to optimise and strengthen the strategies, balance sheets and income streams, understand and optimise the drivers of profit streams within the clusters, perform dedicated balance sheet management by actively identifying opportunities, assessing viability, and driving implementation, and embed the ORSA in the strategic & risk management of SLS and SFT.