At a Glance
- Tasks: Manage business banking sales and service for a diverse portfolio of clients.
- Company: Join a leading bank committed to innovation and client success.
- Benefits: Competitive salary, flexible hours, and opportunities for professional growth.
- Other info: Diverse workplace with a commitment to equity and inclusion.
- Why this job: Make a real impact by providing tailored financial solutions to businesses.
- Qualifications: 5 years banking experience with a focus on business banking required.
The predicted salary is between 50000 - 60000 € per year.
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 product solutions from a range of standard and/or customised offerings.
Experience
- 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
- A relevant tertiary qualification in Business Management or Finance.
Ideal or Preferred
- Bachelor's degree in Business Management or Finance.
Knowledge
- 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; understanding of the impact of climatic conditions on the agricultural market (if 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 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.
- Communication 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.
Business Manager employer: Capitec
Capitec is an exceptional employer that fosters a dynamic and inclusive work culture, prioritising employee growth and development. With a strong focus on business banking, employees benefit from comprehensive training, mentorship opportunities, and a supportive environment that encourages innovation and collaboration. Located in a vibrant community, Capitec offers competitive remuneration and flexible working hours, making it an ideal place for professionals seeking meaningful and rewarding careers.
StudySmarter Expert Advice🤫
We think this is how you could land Business Manager
✨Network Like a Pro
Get out there and connect with people in the business banking world! Attend industry events, join relevant online forums, and don’t be shy about reaching out on LinkedIn. We all know that sometimes it’s not just what you know, but who you know that can land you that dream job.
✨Show Off Your Skills
When you get the chance to chat with potential employers, make sure to highlight your experience in managing complex portfolios and your knack for financial analysis. We want to see you shine, so prepare some examples of how you've added value in previous roles!
✨Research the Company
Before any interview, do your homework on the company and its products. Understand their market position and how they stack up against competitors. This will not only impress them but also help you tailor your answers to show you’re the perfect fit for their team.
✨Apply Through Our Website
Don’t forget to apply through our website! It’s the best way to ensure your application gets seen by the right people. Plus, we love seeing candidates who take the initiative to engage directly with us. Let’s make this happen together!
We think you need these skills to ace Business Manager
Some tips for your application 🫡
Tailor Your CV:Make sure your CV is tailored to the Business Manager role. Highlight your banking experience, especially in business banking, and showcase any leadership roles you've had. We want to see how your skills match what we're looking for!
Craft a Compelling Cover Letter:Your cover letter is your chance to shine! Use it to explain why you're the perfect fit for our team. Mention specific experiences that relate to managing a complex portfolio and your understanding of customer relationship management.
Showcase Your Analytical Skills:Since this role involves financial analysis and credit applications, be sure to highlight your analytical skills in your application. We love seeing examples of how you've used these skills to solve problems or improve processes in your previous roles.
Apply Through Our Website:Don't forget to apply through our website! It’s the best way for us to receive your application and ensures you’re considered for the role. Plus, it shows you’re keen on joining our team at StudySmarter!
How to prepare for a job interview at Capitec
✨Know Your Banking Stuff
Make sure you brush up on your banking knowledge, especially around business banking principles and practices. Be ready to discuss how you've managed complex portfolios and prepared credit applications in the past.
✨Showcase Your Leadership Skills
If you've got managerial experience, flaunt it! Prepare examples of how you've led teams or managed a small business centre. Highlight your ability to motivate others and drive results.
✨Understand the Market
Familiarise yourself with the current economic environment and how it impacts business banking. Be prepared to discuss industry trends and how they affect your potential clients, especially if you're dealing with agricultural clients.
✨Be Ready to Analyse
Demonstrate your analytical skills by preparing to discuss financial modelling and cash flow cycles. Show how you've used data to influence client management strategies and improve service delivery.
