Business Manager (Witbank Business Centre)

Capitec Bank Ltd.; eMalahleni; On-site; ZAR 550,000 - 900,000; Full time

Job summary

Capitec Bank Ltd. is seeking a results-driven Business Manager for the Witbank Business Centre. The role focuses on proactive sales and service management to grow a portfolio of business clients and deliver tailored banking solutions.

Candidates should have strong banking experience, particularly in business banking, with skills in credit processes, CRM insights, and relationship management. Willingness to travel and lead a small team is preferred.

Qualifications

• Minimum: Banking experience of 5+ years, with at least 3 years in Business Banking.
• Experience managing a complex portfolio of Business clients with a service and financial analysis focus.
• Significant experience in preparing and motivating Credit applications.
• Cost control and sales management.

Responsibilities

• Provide proactive Business Banking sales and service management to retain and grow a portfolio of Business clients.
• Identify and implement value-adding financial product solutions from standard or customised offerings.
• Visit clients at business premises; frequent travel is required.

Skills

Analytical Skills

Attention to Detail

MS Office

Communications Skills

Interpersonal & Relationship mgmt

Commercial Thinking

Strategic Thinking

Education

Business/Finance qualification

Job description

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Business Manager (Witbank Business Centre)

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:

Purpose Statement

• To provide a proactive Business Banking sales and service management function that will retain and grow a portfolio of Business clients.
• To and identify and implement value-adding and specialised Business Banking financial product solutions from a range of standard and/or customised offerings.
• The role includes visiting clients at business premises (frequent travel).

Qualifications (Minimum)

• A relevant tertiary qualification in Business Management or Finance

Qualifications (Ideal or Preferred)

• Bachelor's Degree in Business Management or Similar

Experience

Minimum:

• Banking experience of at least 5 years – of whichat least 3 years spent in the Business Banking environment.
• Managing a complex portfolio of Business customers with a service and financial analysis focus.
• Significant experience in preparing and motivating Credit applications.
• Cost control and sales management.

Ideal:

• 1-2 years managerial leadership / managerial experience.
• 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.
• Different industry sectors and sector risk profiles / trends; this includes an understanding of the impact of climatic conditions on the agricultural market (if there are agric. clients in the portfolio).
• Local market (LM) sales principles and practices to manage and optimise retention and growth within the portfolio.
• General banking practices and procedures.
• Knowledge of 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).
• Able to extract, analyse and apply CRM insights to influence the client management approach and strategy.
• General understanding of how Business Banking operates, as well as understanding the business risks, industry risks and financial requirements pertaining to the Business market.

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.
• Financial Modelling; activity-based costing, financial analysis (evaluating and identifying trends), complex cash flow cycles (industry / sector specific).

Skills

• Analytical Skills
• Attention to Detail
• Computer Literacy (MS Word, MS Excel, MS Outlook)
• Communications Skills
• Interpersonal & Relationship management Skills
• Commercial Thinking Skills
• Strategic Thinking Skills

Conditions of Employment

• Clear criminal and credit record
• Willingness to work flexible hours (including Saturdays and Public Holidays)
• Willingness to travel nationally on a regular basis
• A valid driver's license and own vehicle is required

Capitec is committed to diversity and, where feasible, all appointments will support the achievement of our employment equity goals.

Capitec Bank is an authorised financial services provider (FSP 46669) and registered credit provider (NCRCP13). Capitec Bank Limited Reg. No: 1980/003695/06