About this role
Apply by : 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 Skills 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. Capitec is committed to diversity and, where feasible, all appointments will support the achievement of our employment equity goals.