Capitec – Business Banking

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

Business Manager (Menlyn)

Location: Menlyn, GT, ZA

Company: Capitec Bank Ltd

Apply by: 03 January 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

To be Developed

Experience

To be Developed

Qualifications (Minimum)

• Grade 12 National Certificate / Vocational

Qualifications (Ideal or Preferred)

Knowledge

To be Developed

Skills

• Communications Skills

Conditions of Employment

Capitec is committed to diversity, applications to this position will strictly be considered in support of our employment equity goals.

Analyst: Business Bank Credit (Commercial Credit)

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 support the Credit Manager in the management of the credit portfolio in the assessment and verification of credit applications and assessing credit risks prior to the migration of risk groups to other areas of the Bank.

Experience

• 3+yrs previous general banking experience, of which 1-2 years should have been spent in the Business Banking environment.  
• Financial statement analysis and pre-checking of credit applications

Qualifications (Minimum)

• Grade 12 National Certificate / Vocational

Qualifications (Ideal or Preferred)

• National Diploma in Accounting – Financial Accounting or Banking

Knowledge

• General understanding of how Business Banking operates, as well as understanding the business risks, industry risks and financial requirements pertaining to this market.  
• Good knowledge of general banking practices and procedures, especially within a Business Banking environment. 
• Good knowledge and understanding of Credit products, features and benefits. 
• Knowledge of Credit principles and practices, including an understanding of credit applications, collateral and financial statement requirements. 
• Knowledge of multiple legal entities (companies, close corporations, sole proprietorships etc.) in the Business  market and the legislative restrictions and requirements governing these from a financial services perspective.

Skills

• Numerical Reasoning skills
• Attention to Detail
• Problem solving skills
• Analytical Skills
• Computer Literacy (MS Word, MS Excel, MS Outlook)

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.

New Business Banker: Merchant Services (KwaZulu-Natal)

Location: Durban, KwaZulu-Natal, 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 contribute to the overall profitability of Business Bank by promoting and selling Business Bank and merchant products to new business clients. 

Experience

Min:

• At least 2 – 3 years proven cold calling sales experience; generating own selling opportunities
• Building and developing a client base across a geographic area.
• Proven experience in identifying sales or business opportunities and/or customer needs and providing solutions for these.  

Ideal:

• Cold-calling/external sales experience in a merchant acquiring environment

Qualifications (Minimum)

• Grade 12 National Certificate / Vocational

Qualifications (Ideal or Preferred)

• Bachelor’s Degree in Commerce or Marketing

Knowledge

Min:

• Knowledge and understanding of:
• Commercial, economic, SME landscape (esp. in the relevant geographic area)
• Sales and sales optimisation techniques & principles
• Commercial/business know how (how businesses work.)
• Client relationship management principles
• Engagement/conflict management practices
• Performance  culture

  
Ideal:
Knowledge and understanding of:

• Business banking landscape, products and knowledge
• Payment solutions environment (merchant services)
• Stock control
• POS Solutions
• Capitec Bank Acquiring product knowledge

Skills

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

Conditions of Employment

• Clear criminal and credit record
• A valid driver’s license and own vehicle is required as an inherent operational requirement of the job

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

For further information regarding this job posting, please contact the Capitec Talent Acquisition Specialist:

Thabisile Ngcobo

Specialist: Franchise

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 build and drive franchising within Business bank through establishing and maintaining valuable partnerships with franchisors.
• To design innovative solutions for franchising and support internal and external customers with effective and efficient processes.

Experience

Minimum:

• At least 7 years’s experience dealing directly with Franchisors and Franchise role players as well as service providers (to bring a network which adds value)
• Experience to include:
  • Credit risk and portfolio assessment, mitigation and management
  • Identifying gaps and opportunities in the market
  • Assessing and understanding Franchisor needs
  • Putting franchise deals together 
  • Managing a portfolio of business customers with a service and financial analysis focus
  • Supporting and providing specialist advice to others
  • Applying business principles to calculate value
• Track record of relationship management and building trusting professional relationships

Qualifications (Minimum)

• Grade 12 National Certificate / Vocational
• A relevant degree in Business Management or Commerce

Qualifications (Ideal or Preferred)

• Honours Degree in Business Management or Commerce

Knowledge

Minimum:

• Knowledge and understanding of the franchising sector
• Relationship and trust building methods and means
• General business acumen
• Strong practical knowledge of all the competitor products or solutions available in the market
• Track record of relationship management
• Working knowledge of risk assessment, mitigation and management.
• Principles and workings of a credit environment
• Customer service principles and practices
• Information (internal and Franchisor/ee) sensitivity and confidentiality
• Presenting proposals to senior stakeholders, both internal and external and fielding questions
• Ability to assess and understand franchisor’s and franchisee’s needs.
• Deal making; structures, principles, relevant regulatory and legislative controls
• Negotiation techniques
• Mathematical/numerical agility (to respond appropriately to deal structuring and Forum sessions.)
• Financial and credit risk technical knowledge
• Technical knowledge of financial modelling
• Understanding of business client business and financing needs
• Sales principles, methodologies, tools and processes
• Market segmentation propositions and customer profiles
• Account management principles

Ideal:

• Ability to match franchising needs with Capitec’s capabilities.
• Capitec specific franchising product and service knowledge

Skills

• Communications Skills
• Analytical Skills
• Problem solving skills
• Commercial Thinking Skills
• Strategic Thinking Skills
• Decision making skills
• Attention to Detail

Conditions of Employment

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

Capitec is committed to diversity, applications to this position will strictly be considered in support of our employment equity goals.

Business Centre Manager (Bloemfontein)

Location: Bloemfontein, 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 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

Capitec is committed to diversity, applications to this position will strictly be considered in support of our employment equity goals.

Provincial Manager: Business Banking

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 ensure the Business Banking strategy is translated into tactical sales plans, objectives and targets for a geographical region. 
• To manage and lead a Business Banking team within a geographical region in order to ensure optimisation and that monthly, quarterly and annual targets are achieved. 

Experience

Minimum: 

• 5 – 8 years’ experience in a business or retail banking environment managing a operational function with a large provincial spread 
• Managing a national or regional team of at ± 40 employees for at least 3 years within a business or retail environment 
• Analysing external market dynamics and applying conceptual thinking and commercial know how to recognise and execute appropriate tactical response. 
• Managing a budget on a regional level 
• 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.  

Ideal: 

• Experience in business banking environment 
   

Qualifications (Minimum)

• Grade 12 National Certificate / Vocational

Qualifications (Ideal or Preferred)

• Bachelor’s Degree in Commerce or Business Management

Knowledge

Min: 

Knowledge and understanding of: 

• Sales principles, methodologies, tools and processes 
• Regional competitor tactics, distribution channels and product offering 
• Market segmentation propositions and customer profiles 
• Translating strategy into business plans and objectives   
• Application of metrics and data to enhance performance 
• Account management principles 
• Business development principles and methodologies in a sales context 
• How to network and build stakeholder relationships in business in area of responsibility 
• Leadership principles and people management  
• How to manage a workforce to drive sales in the field 
• Managing a budget, including targets and incentive design 

Ideal: 

Knowledge and understanding of: 

• Capitec/Business Bank systems and processes 
   

Skills

• Communications Skills
• Interpersonal & Relationship management Skills
• Planning, organising and coordination skills
• Problem solving skills
• Strategic Thinking Skills

Conditions of Employment

• Clear criminal and credit record

Capitec is committed to diversity, applications to this position will strictly be considered in support of our employment equity goals.

Business Analyst III

Location: Sandton, GT, ZA

Company: Capitec Bank Ltd

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 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. 

About the role:

The role of the Business Analyst (BA) in this team focuses on performing business analysis with an emphasis on data. This includes optimizing business efficiencies through automation, digital, information, and communications technologies by systematically analysing and defining business requirements and functional specifications. The incumbent will develop and design solutions, ensuring effective implementation and continuous improvement for both business and existing application solutions.

The BA will be responsible for defining business requirements, business rules, and business activities for systems within the credit space of our business banking. They will work closely with a process engineer and a system support analyst, reporting directly to the product manager.

The position offers significant opportunities for growth and the chance to make a substantial impact on the bank’s collections and recoveries processes.

Our ideal candidate has:

• A relevant tertiary qualification in Business Analysis, IT, Information Systems OR related
• Knowledge understanding and utilization of Salesforce. (Certified in Salesforce preferred)
• At least 5 – 7 years’ proven experience within Business Analysis, information systems, business intelligence or data warehousing environments
• Able to perform data analysis and determine the impact on broader organisational frameworks and objectives
• Experience in Business Analysis using various techniques to describe business needs e.g. conceptual model, ERD, Test Cases, Data Flows, UML models, Data Dictionary, Business processes flows, etc.
• Conceptual Data modelling 
• Understanding of the concepts of data visualisation

Skills:

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

If you are interested in being part of this dynamic team, on a mission to build the best bank in the world through unlocking the potential of its people, please apply. We would love to hear from you!

Additional Information

• Clear criminal and credit record

Click here to apply

We wish you all the best with your applications