Job Description

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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 influence, lead and embed the strategy for Commercial Banking, ensuring alignment with business strategy, goals, regulatory requirements and best practices through translating the strategy into an operating model and tactical sales & servicing plans, objectives and targets.
• To lead a Commercial Banking function, providing direction, oversight and expert commercial banking guidance to grow and retain a complex portfolio of high value clients for Capitec Business.

Experience

• 8–10+ years in Commercial/Business Banking or Financial Services, with demonstrable impact on sales growth, portfolio profitability and client retention.
• Of which, 5–8+ years at senior, leading Account Executives/Portfolio Owners or equivalent.
• Proven track record in translating banking strategy into operating models, with enterprise-level results (e.g., revenue growth %, cost-to-income improvements, risk reduction).
• Direct involvement with top-tier corporate/mid-market clients (complex, multi-product solutions—lending, cash management, FX, trade).
• Experience owning a risk agenda (credit, operational, regulatory, reputational) and partnering with Risk, Compliance & Legal.
• Led initiatives with Technology, Operations, Data/Analytics, Finance and external stakeholders (industry bodies/regulators).
• Evidence of process optimization, digital enablement, operating model redesign, or sales effectiveness transformations.
• P&L oversight: Exposure to budgeting, forecasting, pricing, margin management, and portfolio-level profitability.
• Analysing external market dynamics and applying conceptual thinking and commercial know how to recognise and execute appropriate tactical response.
• Harnessing full range of functional and support capabilities to drive sales and client interactions.
• Being agile and creating and managing momentum, change and development in process, people and technology.

Qualifications (Minimum)

• Bachelor's Degree in Commerce or Finance

Qualifications (Ideal or Preferred)

• Honours Degree in Banking or Finance

Knowledge

• Strategic planning, market positioning and go-to-market design.
• Financial acumen, P&L, pricing, margin optimization, cost-to-income, NPV/ROI.
• Portfolio optimization: capacity planning, territory design, segment strategies.
  FIC Act (AML/CFT), POPIA, NCA, Companies Act, BASA codes.
• SARB Prudential standards, Basel III concepts (capital, liquidity, risk-weighted assets).
• FAIS and conduct standards (if applicable to advice/interaction models).
• Corporate credit lifecycle, credit scoring, collateral/security structures, impairments (IFRS 9 basics), early warning indicators & remediation.
• Lending (term, working capital, asset finance), cash management, payments, FX/Trade finance, merchant acquiring; pricing and margin dynamics.
• Sector dynamics (e.g., manufacturing, logistics, agriculture, healthcare), economic landscape, competitor offerings.
• CRM (e.g., MS Dynamics/Salesforce), portfolio analytics, Power BI dashboards, forecasting models, pipeline management.
• Execution models, SLA structures with HO functions, governance forums, and performance rhythms.
• Structuring Commercial Customer deals
• Application of metrics and data to enhance performance

Skills

• Commercial Thinking Skills
• Communications Skills
• Decision making skills
• Interpersonal & Relationship management Skills
• Problem solving skills
• Strategic Thinking Skills

Conditions of Employment

• Clear criminal and credit record

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