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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 achieve agreed monthly sales targets in a functional area of Business Banking, Rental Finance, or Payment Services by value and number of applications through an established supplier / business partner network.
- To grow the supplier portfolio through successful identification and implementation of value adding and specialised Business Banking / Rental Finance / Payment Service product solutions and maintain service delivery standards to all internal and external suppliers and business partners.
- To contribute to the overall profitability of Business Bank, Rental Finance, or Payment Services by promoting and selling products to new and existing clients.
Qualifications
Minimum:
- A relevant tertiary qualification in Business Management / Business Administration or Financial Risk Management (FRM) or Similar
Ideal (Preferred):
- A relevant tertiary qualification in Business Administration
Experience
Minimum:
- 5+ years of general Business Banking, Rental Finance or Payment Services experience
- In the Business Banking, Rental or Payment Services market
- Managing a complex portfolio of Business customers with a service and financial analysis focus
- Relationship building and supplier management
- Preparing and motivating credit applications
- Cost control and sales management
- Client focus – service delivery
- Remote / distance relationship management
- Turnaround times and working within those limits
Ideal:
- 1-2 years managerial / leadership experience
- 1-2 years managing a small business centre
Knowledge
Minimum:
- Principles and practices of business economics and the current business economic environment
- Customer relationship management (CRM) principles and techniques
- Able to extract, analyse, and apply CRM insights to influence the client management approach and strategy
- Different industry sectors and sector risk profiles / trends (e.g., impact of climatic conditions on agricultural market)
- Understanding of the current local market and industry principles and practices to optimise retention and growth within the portfolio
- General banking practices and procedures
- Competitor product offerings / channels / operational and marketing tactics
- Credit principles and practices, including an understanding of credit application, 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).
- General understanding of how Business Banking, Rental Finance or Payment Services operate, as well as understanding the business risks, industry risks and financial requirements pertaining to the business market
- Understanding of Rental Finance, Payment Services, and related products
- Discounting process
- Understanding of the office automation, IT, telephony rental and payment services environments
- General office and administration practices and standards
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.
- A good knowledge of administration processes and procedures pertaining to transactions in functional area
- Financial Modelling; activity based costing, financial analysis (evaluating and identifying trends), complex cash flow cycles (industry/sector specific)
- BB/MRF/Payment Services policies and procedures
- Analytical skills
- Attention to Detail skills
- Commercial Thinking skills
- Communication skills
- Computer Literacy (MS Word, MS Excel, MS Outlook)
- Decision making skills
- Influencing skills
- Interpersonal & Relationship Management skills
- Negotiation skills
- Problem Solving skills
- Strategic Thinking skills
Conditions of Employment
- Clear criminal and credit record
- A valid driver's license and own vehicle is required
- Willingness to travel nationally 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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