Job Vacancies at Capitec Bank

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)

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Purpose Statement

Enable the achievement of the departmental objectives, which are:

• Deliver value through Profit Optimisation of the Bank’s Credit portfolios through a focus on monitoring of pricing, profitability, segmentation and client level meta-data
• Ensure clear and unambiguous reporting on whether the Bank is operating within is Risk Appetite tolerances and propose strategic change if necessary
• Enable alignment of systems, assumptions, processes and definitions across the credit value chain as related to the total credit life cycle to contribute to the creation of integrated systems and processes.
• By applying and combining particularly SQL coding skills and expert understanding of knowledge of efficient and effective data structures in the building and / or specifications development of reporting models and solutions to optimise credit profit across the credit value chain.
• Promote alignment regarding meta data definitions and best practice data structuring between all departments involved in the calculation and reporting of profitability on the credit portfolios.

Experience
Min:

• At least 2-3 years’ experience in SQL data processing and model building
• An understanding of costing and pricing accounting concepts

Ideal:

• At least 3 - 5 years’ experience in data analysis
• At least 4 years’ experience in processing systems, processes and procedures in the financial services / retail banking industry
• Experience in Credit Risk

Qualifications (Minimum)

• Grade 12 National Certificate / Vocational
• A relevant tertiary qualification in Data Analysis

Qualifications (Ideal or Preferred)

Knowledge

Knowledge of the following areas are required to perform the job:
Min:

• Data Analytics
• Understanding of budgeting and accounting principles (cost, volume, profit)
• Financial systems & procedures

Ideal:

• Strong knowledge of Capitec’s Credit Policy
• General understanding of the Banks Act Capital Regulations, National Credit Act and the implication for Capitec business and the Credit Bureau
• Credit industry knowledge
• Business analysis experience on a banking system
• Analytical experience on credit portfolio
• Book management – Soft and hard collections and pay date management
• Payment systems (Authenticated Collections, Debit Order and Non-authenticated Early Debit Order)

Skills

• Communications Skills
• Networking
• Computer Literacy (MS Word, MS Excel, MS Outlook)
• Commercial Thinking Skills
• Negotiation skills
• Influencing Skills
• Reporting Skills
• Interpersonal & Relationship management Skills
• Facilitation Skills
• Presentation Skills
• Project Management Skills (Methodolgy Specific)
• Analytical Skills
• Problem solving skills
• Strategic Thinking Skills
• Planning, organising and coordination skills
• Attention to Detail

Conditions of Employment

• Clear criminal and credit record

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Purpose Statement

• To provide an excellent service to Capitec Bank clients by ensuring Cash devices are functional. This is achieved by logging calls with Vendors (email and telephonically) or schedule legitimate access Cash device cubicle as requested, coordinating 3rd party callouts, following up and ensure that all 3rd parties arrive at the agreed times, continuous management of Vendor SLA`s (MTTR), providing feedback to branches and compiling stats for reporting purposes. 

Experience

Previous experience in any of the following environments will be advantageous:

• Contact centre (inbound customer service)
• Logistics
• Supply chain management
• Banking
• Cash-in-transit

Qualifications (Minimum)

• Grade 12 National Certificate / Vocational

Qualifications (Ideal or Preferred)

• A relevant tertiary qualification in Business Management

Knowledge

• Supplier management
• Cash-in-transit industry knowledge

Skills

• Interpersonal & Relationship management Skills
• Computer Literacy (MS Word, MS Excel, MS Outlook)
• Attention to Detail
• Problem solving skills

Conditions of Employment

• Clear criminal and credit record