Job Description
Apply by 09 July 2025
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
Are you a sales-driven, commercially astute leader who thrives on building relationships and growing a business portfolio? At Capitec, we’re looking for a Business Manager who can bring our story to life, connect with clients, and drive meaningful growth in the Tembisa market.
Who We Are
At Capitec, we believe banking should be simple, accessible, and focused on enabling people to live better. We’re passionate about delivering value, building trust, and making a positive impact in the communities we serve.
Role Purpose
To provide a proactive business banking sales and service management function that will retain and grow a portfolio of business clients by identifying and implementing value adding and specialised business banking financial products solutions from a range of standard and/or customized offerings.
What We're Looking For
We are seeking someone who is:
- Sales-driven with a proven ability to grow a client base
- Strong in business acumen and commercial thinking
- Knowledgeable about the Tembisa market and local business landscape
- Highly engaging, able to connect, influence and communicate effectively
- Passionate about delivering great client experiences
- Equipped with strong relationship management and interpersonal skills
Experience
Minimum:
- Banking experience of at least 5 years, of which 3 years should have been spent in the Business Banking environment.
- Experience of 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 experience
- 1-2 years managing a small 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
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.
- A 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
- Interpersonal & Relationship management Skills
- Analytical Skills
- Negotiation skills
- Problem solving skills
- Computer Literacy (MS Word, MS Excel, MS Outlook)
- Commercial Thinking Skills
- Strategic Thinking Skills
- Communications Skills
- Influencing Skills
- Attention to Detail
- Decision making skills
Conditions of Employment
- Clear criminal and credit record
- Willingness to work flexible hours (including Saturdays and Public Holidays)
Capitec is committed to diversity and, where feasible, all appointments will support the achievement of our employment equity goals.
