Capitec Bank Business Manager Vacancy

Business Manager – Paarl, Western Cape

Company: Capitec Bank Ltd

Location: Paarl, Western Cape, South Africa

Reference Date: 11 March 2026

Apply by: (no deadline specified)

Purpose: Provide proactive business banking sales and service management to retain and grow a portfolio of business clients by offering value‑adding, specialised financial products and solutions.

Key Responsibilities:

• Manage a complex portfolio of business customers with a focus on service and financial analysis.
• Prepare and motivate credit applications.
• Control costs and drive sales within the business banking unit.
• Identify and implement suitable banking products for clients.
• Maintain strong client relationships and apply CRM insights.
• Analyse market trends, including agricultural impacts, and adjust strategies accordingly.
• Ensure compliance with banking regulations, credit principles, and legal entity requirements.
• Prepare financial models, perform cash‑flow analysis, and evaluate pricing structures.

Experience Required:

• Minimum 5 years in banking, with at least 3 years in Business Banking.
• Proven experience managing a portfolio of business customers with a service and financial analysis focus.
• Significant experience preparing and motivating credit applications.
• Experience in cost control and sales management.

Ideal Experience:

• 1–2 years of managerial or leadership experience.
• 1–2 years managing a small business centre.

Qualifications:

• Minimum: Relevant tertiary qualification in Business Management or Finance.
• Ideal: Bachelor’s Degree in Business Management or Finance.

Knowledge Required:

• Principles of business economics and the current economic environment.
• Customer relationship management (CRM) principles.
• Understanding of different industry sectors, sector risk profiles, and the impact of climatic conditions on agriculture.
• Local market sales principles to optimise retention and growth.
• General banking practices and procedures.
• Competitor products, channels, and operational tactics.
• Credit principles, including application processes and security.
• Legal entities (companies, close corporations, sole proprietors) and relevant legislation.
• Financial Advisory and Intermediary Services Act (FAIS) and Financial Intelligence Centre Act (FICA).