Capitec – Business Banking

To apply, click on the link at the end of the posts and all the best with your applications.

Account Analyst-PE/East London

Date: 28 Aug 2024

Location: Port Elizabeth, Eastern Cape, ZA

Company: Capitec Bank Ltd

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 support with the day to day running and maintenance of portfolios by providing a central office-bound contact point for client service queries/ requests, administration assistance and adding value to clients through the identification of cross-selling opportunities, monitoring all loan facilities in the portfolio on a daily basis against set parameters/ conditions.

Experience

Minimum:

• At least 5 years, of which 1 year should have been spent in the Business Banking environment. 
• Experience in preparing and motivating Credit applications is essential

Qualifications (Minimum)

• Diploma in Commerce or Banking

Qualifications (Ideal or Preferred)

• Bachelor’s Degree in Banking or Commerce

Knowledge

Minimum:

• The features, benefits and value propositions of respective company product/service offerings. 
• General banking practices and procedures.
• Understanding of how Business Banking operates, as well as understanding the business risks, industry risks and financial requirements pertaining to the business market 
• Credit principles and practices, including an understanding of credit application, securities and balance sheet requirements. . 
• The Financial Advisory and Intermediary Services Act (FAIS) and the Financial Intelligence Centre Act (FICA). 
• Administration processes and procedures pertaining to Business Banking transactions.
• Client relationship management and service principles.

Ideal:

• Competitor product offerings/ channels/ operational and marketing tactics would be advantageous.
• Capitec/Business Bank systems and processes

Skills

• Communications Skills
• Negotiation skills
• Problem solving skills
• Analytical Skills
• Planning, organising and coordination 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.

Dealer: Forex

Date: 27 Aug 2024

Location: Sandton, GT, ZA

Company: Capitec Bank Ltd

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 manage the currency exposures and internal and external customer relationships of Business Bank in respect of Forex.

Experience

Minimum:

• 5yrs forex trading experience in a dealing room ( in a banking, insurance, corporate environment)
• Managing client and stakeholder relationships.
• Compliance within risk and regulatory frameworks.

Qualifications (Minimum)

• A relevant tertiary qualification in Banking or Finance

Qualifications (Ideal or Preferred)

Knowledge

Minimum:

• Forex market and financial issues 
• Forex standards, practices and principles
• Dealing room operations
• Banking Code of Practise
• FICA and related anti-money laundering legislation
• Relationship and stakeholder management principles
• Client relationship practices
• Fundamental IT systems 

Ideal:

• Business bank environment, including Credit Risk Manual, Securities Manual and Bank policies and Procedures.

Skills

• Analytical Skills
• Interpersonal & Relationship management Skills
• Attention to Detail
• Decision making skills
• Computer Literacy (MS Word, MS Excel, MS Outlook)
• Numerical Reasoning skills

Conditions of Employment

• Clear criminal and credit record
• A valid driver’s license and own vehicle is required

Business Banker (Witbank)

Date: 27 Aug 2024

Location: Witbank, LP, ZA

Company: Capitec Bank Ltd

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 provide a business centre-based Business Banking sales and service 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.

Experience

Minimum:

• Banking experience of at least 3 years
• Experience of managing a portfolio of business customers with a service and financial analysis focus.
• Experience in preparing and motivating Credit applications 
• Cost control and sales management 

Ideal:

• 1+ yr spent in the Business Banking environment preparing and motivating credit application

Qualifications (Minimum)

• Diploma in Commerce or Finance

Qualifications (Ideal or Preferred)

• FAIS accredited as Key Individual and approved by FSCA

Knowledge

Minimum:

• Customer relationship management (CRM) principles and techniques
• How to interpret financial statements, balance sheets and basic financial ratios
• Standardized business banking transactional products and other core products relevant to small enterprises
• Business banking product offerings
• Understanding of collateral and balance sheets
• Multiple legal entities (companies, close corporations, sole proprietorships, etc.) in the business banking market and the legislative restrictions & requirements governing these from a financial services perspective
• Companies and Intellectual Properties Registration Act (CPIC) for correct documentation/mandate preparation purposes
• Knowledge of competitors offerings
• Regulations, Acts and Codes related to the banking environment.
• Financial Advisory and Intermediary Services Act (FAIS), the Financial Intelligence Centre Act (FICA) 

Ideal:

• Features, benefits and value propositions of the respective company product/service offerings. 
• Current taxation laws as they apply to customers. 
• A good knowledge of administration processes and procedures pertaining to Business Banking transactions

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.

Vetting Officer: Foreign Exchange Operations

Date: 22 Aug 2024

Location: Sandton, GT, ZA

Company: Capitec Bank Ltd

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 examine and check all requests for Foreign Exchange Payments for correctness and conformity to Exchange Control Regulations and rulings.

Experience

Minimum:

• 3-4 yrs Foreign Exchange experience with exposure to Exchange Control Rulings 
• Client service standards and practices
• Exchange Control rulings, foreign exchange, Foreign Exchange settlements, SWIFT standards, cut-off times,

Qualifications (Minimum)

• Grade 12 National Certificate / Vocational

Qualifications (Ideal or Preferred)

• A relevant tertiary qualification

Knowledge

Minimum:

• Knowledge of payment documentation such as, Invoices, transport documentation and customs documentation. 
• Understand accounting and reconciliation concepts (understand entries and be able to do account reconciliations.
• The SARB Import Verification System (IVS) system and understand the requirements in respect of Unique Consignment Reference (UCR) and Movement Reference number (MRN) references.
• Understanding of Balance of payments to establish appropriate BoP categories

Ideal:

• Knowledge of Capitec AML, FIC and suspicious transaction monitoring and reporting policies. 
• Relevant knowledge of International Foreign Exchange, payment and clearing systems,
• Knowledge of operational risk concepts and principles

Skills

• Analytical Skills
• Attention to Detail
• Communications Skills
• Interpersonal & Relationship management Skills
• Administration Skills

Conditions of Employment

• Clear criminal and credit record
• Willing and able to work shifts, including weekends

Lead Analyst: Credit Pricing

Date: 9 Aug 2024

Location: Sandton, Western Cape, ZA

Company: Capitec Bank Ltd

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.

Join Us in Becoming the Best Bank in the World!!

We appoint energized and motivated people for their potential and continuously look for talented, driven individuals to help us innovate and evolve. That is why we focus on finding the right people for the right jobs. We love what we do because we focus on making a positive difference for our clients and employees. Our company DNA is built around talented and committed teams dedicated to build a brand that we are proud of and earns the trust of our clients.

Who We Are

We are a bank, but we’re much more than that. We believe that banking is about enabling people to control their financial lives through banking that is simplified, accessible, affordable and delivered through a personal experience. By helping our clients manage their financial lives better, we enable them to live better.

Why Choose Us

At Capitec, we offer our best by living up to our CEO values in every situation – we always put the Client first, act with Energy and take Ownership. And to support people in being their best, our Employee Value Proposition offers every value to all team members through cohesive teams, growth opportunities as well as employee benefits and savings. We make it a priority to ensure that each member of the Capitec team feels welcome, valued, focused, and has the opportunity to grow.

Main Purpose

You will Lead a dynamic team to develop and optimize pricing models for our credit products and channels. Drive fair and appropriate client prices while maximizing the bank’s return on equity. Enhance existing models, develop new ones, and customize them for innovative credit products. This is a very unique opportunity as you will have exposure to all the Credit products. As we are still growing the bank, you will be able to significantly influence the way we price for our clients.

As a Lead Analyst: Credit Pricing your primary responsibilities will include:

· People and operational management for the Analyst team

· Modelling related responsibilities

· Strategic and tactical insights

The ideal candidate will have:

• 5 years’ experience in analytical roles that include exposure to credit pricing, provisioning and/or other related credit analytics.
• Proven experience in building credit pricing and/or cash flow forecasting models from first principles.
• Experience in a leadership role that includes managing a team of analysts.
• Post graduate degree in Mathematical Sciences such as (Statistics, Financial / Quantitative Risk Management or Actuarial Science.

Business Centre Manager (Bloemfontein)

Date: 7 Aug 2024

Location: Bloemfontein, Free State, ZA

Company: Capitec Bank Ltd

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 manage the Business Centre in terms of driving a proactive sales and service culture that will retain and grow the Business Centre client base. 
• Responsible for driving activity, planning and implementing marketing, sales, and support services strategies for the Business Centre
   

Experience

Minimum:

• Banking experience of at least 5 years, of which 3 years should have been spent in the Business Banking environment.
• 3 years managerial experience
• Significant experience in preparing and motivating Credit applications 
• Budgeting, forecasting, cost control and sales management experience is essential. 
• Accountability for managing a profitable cost 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:

• Business knowledge and acumen
• Understand interdependencies between industry knowledge, business and financial risks, Business banking product knowledge, pricing and taxation (to determine feasible operating tactics for the Centre to maximise total profit and minimise loss )
• People management principles and practices  
• Financial Modelling; activity based costing, financial analysis (evaluating and identifying trends), complex cash flow cycles (industry/ sector specific) 
• Principles and practices of business economics and the current business economic environment. 
• Different industry sectors and sector risk profiles/ trends; this includes an understanding of the impact of climatic conditions on markets 
• Managing Local Market (MLM) sales principles and practices to manage and optimise retention and growth within the Centre. 
• 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 and 
• 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). 
• Extract and apply information to CRM (Customer relationship management) 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
   

Skills

• Communications Skills
• Analytical Skills
• Interpersonal & Relationship management Skills
• Negotiation skills
• Planning, organising and coordination skills

Conditions of Employment

• Clear criminal and credit record
• Willingness to travel nationally and internationally when required
• A valid driver’s license and own vehicle is required

Click here to apply

All the best with your applications.