Business Manager (Witbank Business Centre)
Date: 16 Oct 2026
Location: Witbank, LP, ZA
Company: Capitec Bank Ltd
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Purpose Statement
- To provide a proactive Business Banking sales and service management function that will retain and grow a portfolio of Business clients.
- To and identify and implement value-adding and specialised Business Banking financial product solutions from a range of standard and/or customised offerings.
- The role includes visiting clients at business premises (frequent travel).
Qualifications (Minimum)
- A relevant tertiary qualification in Business Management or Finance
Qualifications (Ideal or Preferred)
- Bachelor's Degree in Business Management or Similar
Experience
Minimum:
- Banking experience of at least 5 years – of which at least 3 years spent in the Business Banking environment.
- 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 / managerial experience.
- Managing a small Business Centre.
Knowledge
Minimum:
- 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; this includes an understanding of the impact of climatic conditions on the agricultural market (if there are 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 an 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.
- 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
- Analytical Skills
- Problem solving skills
- Decision making skills
- Attention to Detail
- Computer Literacy (MS Word, MS Excel, MS Outlook)
- Communications Skills
- Interpersonal & Relationship management Skills
- Influencing Skills
- Negotiation skills
- Commercial Thinking Skills
- Strategic Thinking Skills
Conditions of Employment
- Clear criminal and credit record
- Willingness to work flexible hours (including Saturdays and Public Holidays)
- Willingness to travel nationally on a regular basis
- A valid driver's license and own vehicle is required
Capitec is committed to diversity and, where feasible, all appointments will support the achievement of our employment equity goals.