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We're on the lookout for energetic, self-motivated individuals who share our passion for service in the banking industry. To be part of the journey, follow the steps below:
1. To see what life at Capitec is all about and complete a short assessment, please click here!
2. Once you have completed the above finalize your application by clicking apply below
Purpose Statement
- To manage the Business Centre in terms of driving a proactive sales and service culture that will retain and grow the Business Centre client base.
- Responsible for driving activity, planning, and implementing marketing, sales, and support services strategies for the Business Centre.
Qualifications (Minimum)
- A relevant tertiary qualification in Business Management or Finance
Qualifications (Ideal or Preferred)
- Bachelor's Degree in Business Management or Finance
Experience
Minimum:
- Banking experience of at least 5 years, of which 3 years should have been spent in the Business Banking environment.
- 3 years' managerial experience.
- Significant experience in preparing and motivating Credit applications.
- Budgeting, forecasting, cost control, and sales management experience is essential.
- Accountability for managing a profitable cost centre.
Ideal:
- 4+ years' experience in directly selling business banking financial products.
- 3+ years' experience in leading a team of 10 to 15 staff members, ideally within a business banking environment.
Knowledge
Minimum:
- Business knowledge and acumen.
- Interdependencies between industry knowledge, business and financial risks, Business Banking product knowledge, and pricing and taxation (to determine feasible operating tactics for the Centre to maximise total profit and minimise loss).
- Financial Modelling; activity-based costing, financial analysis (evaluating and identifying trends), and complex cash flow cycles (industry/sector specific).
- Principles and practices of business economics and the current business economic environment.
- Different industry sectors and sector risk profiles/trends (this includes an understanding of the impact of climatic conditions on markets).
- Managing Local Market (MLM) sales principles and practices to manage and optimise retention and growth within the Centre.
- General banking practices and procedures.
- Competitor product offerings/channels/operational and marketing tactics.
- Credit principles and practices; including an understanding of credit application and securities.
- Legal entities (companies, close corporations, sole proprietorships, etc.) in the commercial market; and the legislative - restrictions and requirements governing these from a financial services perspective.
- Financial Advisory and Intermediary Services Act (FAIS), and the Financial Intelligence Centre Act (FICA).
- Extract and apply information to CRM (Customer relationship management) strategy.
- General understanding of how Business Banking operates, as well as the business risks, industry risks, and financial requirements pertaining to the business market.
- People management principles and practices.
Ideal:
- Features, benefits, and value propositions of the respective company product/service offerings.
- Multi-level products available and pricing structures.
- Current taxation laws as they apply to customers.
- Good knowledge of administration processes and procedures pertaining to Business Banking transactions.
Skills
- Analytical Skills
- Planning, organising and coordination skills
- Communications Skills
- Interpersonal & Relationship management Skills
- Negotiation skills
- Management skills
- Commercial Thinking Skills
Conditions of Employment
- Clear criminal and credit record
- A valid driver's license and own vehicle is required
- Willingness to travel nationally and internationally when required
Capitec is committed to diversity and, where feasible, all appointments will support the achievement of our employment equity goals.
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