Manager: Inbound or Outbound at Capitec Bank

Purpose Statement

• To manage the Inbound or Outbound Sales Function within the BB Relationship Suite. 
• To drive a proactive sales and service culture that will grow the client base. 
• Responsible for driving activity, planning and implementing marketing, sales, and support service strategies for the portfolio. 

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.
• Experience managing successful marketing and sales campaigns.
• Significant experience in preparing and motivating Credit applications.
• Budgeting, forecasting, cost control and sales management experience is essential. 
• Previous accountability for managing a profitable cost centre. 

Ideal:

• 5+ years Banking experience.
• 3+ years in a Business Banking environment.
• 3+ years managerial experience.

Qualifications (Minimum)

• Bachelor's Degree in Business Management or Finance

Qualifications (Ideal or Preferred)

• Honours Degree in Economic and Management Sciences or Commerce

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 Suite 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.
• Sales Campaign principles and practices to manage and optimise retention and growth within the Suite. 
• 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 (client 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.
• Data analysis and interpretation.

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 clients. 
• A good knowledge of administration processes and procedures pertaining to Business Banking transactions.

Skills

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

Competencies

• Analysing
• Coping with Pressures and Setbacks
• Deciding and Initiating Action
• Leading and Supervising
• Planning and Organising
• Presenting and Communicating Information
• Relating and Networking
• Relating and Networking_Establishing Relationships
• Delivering Results and Meeting Customer Expectations

Conditions of Employment

• Clear criminal and credit record