Lets find opportunities together. Lets get it done. As a subsidiary of The Bidvest Group Limited, were an entrepreneurial bank that seeks out the opportunities and market gaps which traditional banking often ignores. By being flexible and nimble, were able to service our customers better than anyone else. How? We understand that no two individuals are ali...
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Primary Purpose
- To build, manage relationships with regional customers and ensure all operational, contractual obligations, compliance and Service Levels Agreements are always met.
Minimum Requirements
Qualifications
- Matric with Fleet Administrative experience
- Fleet Management Diploma (Ideal)
- Marketing or Sales Diploma or degree (Ideal)
- Previous client relationship management
Experience
- 3 – 5 years’ experience within the Fleet industry, preferably within Leasing Environment and knowledge of the Road Traffic Act
Duties and Responsibilities include but not limited to:
FINANCE
Revenue Protection
- Scrutinize CIS monthly to ensure all units on lease correctly billed to customers
Revenue Generation
- Identify new and additional initiatives within the scope of the contract
Debtors Management
- Improved Debtors Age collection rate, no invoices older than 60 days
- Ensure GRVs are issued for all outstanding invoices (revenue assurance)
CUSTOMER CENTRICITY
Customer Service Excellence
- Relationship management and building
- Accurate and timeous reporting in line with contract requirements
- Ensure customer requirements are attended to and action timeously.
- Logging of activity on relevant CRM tool
- Compulsory monthly business reviews.
- Service Level Agreement
- Work closely with all internal stakeholders to ensure the Bank is achieving the minimum 95% target.
Query Resolution
- Maintain constant communication for quicker resolution times
- Manage escalated queries and resolve timeously
- Acknowledge customer communication within 8hrs of receipt
Know Your Customer
- Customer information must be always updated
Customer Queries
- Timeously resolve all customer queries
Customer Complaints
- All complaints logged and resolved within 48 hours with feedback to customers
OPERATIONAL EXCELLENCE
Replacement Plan
Actively manage the Vehicle Replacement Program:
- Timeous quoting
- Customer consultation to ensure the asset specification is correct for the application of the vehicle.
- Ensuring that all quotes are processed timeously to procurement for asset ordering.
- Ensuring the accurate and timeous approval of quotes
- RFQs must be loaded on MS Teams Tool
- Manage order status.
- Provision of quotes within 5 working days within the SLA
- End of Contract management
Contract Management and Reporting
- Timeous Report submission
- Manage client fleet utilization and restructure
- Facilitate adhoc requests
- No STR extension past 12 months
- Managed utilization in line with contracted parameters
- Support MMU in managing outstanding POs
- Manage ETA and delivery of new vehicles with internal stakeholders
- Preparation of monthly customer reports for discussion
- Compliance
- Obtain BRN/Proxy documentation on a quarterly basis
- Ensure all license discs are obtained and delivered to customers before expiry
- Odometer Readings
- Preparation and presentation of monthly odo file in time for running of variable billing
LEARNING AND GROWTH
PDP and Training
- Have a formal PDP and proactively manage
- Achievement of objectives/milestones set out in the development plan
- Contribute to overall team outputs
- Identify any training needs
- No outstanding compulsory training
Employee Net Promoter
- Level of satisfaction by employees
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Primary Purpose
- To develop and implement account plans and strategies to maximize client satisfaction, retention, and revenue growth. To foster and manage relationships with clients on a national level, contributing to the success of the fleet management business. To deliver proactive service management and drive growth of existing client base and increase profitability.
Minimum Requirement
- Diploma in Finance, Accounting, Business management, Commerce, Fleet and Leasing management, Sales and Marketing
- Minimum 5 years experience within the Fleet industry, preferably with Fleet Sales Experience
- Previous Account Management/client relationship management or Sales/Business Development experience.
Competencies
- Value Management
- Account Management
- Sound negotiation skills
- Financial Acumen - Interpret financial statements.
- Expanding and identifying opportunities
- Commercial acumen and client focus
- Excellent presentation, communication and problem solving.
- Networking ability and relationship building
- Sound understanding of fleet and leasing business.
- Good understanding of credit, risk and project management
- Fostering Client Relationships
- Data Analysis and interpretation
Duties and Responsibilities
FINANCIAL MANGEMENT
- Motivate and process quality credit applications timeously.
- Achieve individual targets, identifying activities to achieve Payout NIR, NII Targets.
- Improve Debtors collection rate.
- Meet set monthly payouts.
- Track control and influence activities to increase sales efficiencies, actively retaining and growing existing customer base.
CUSTOMER CENTRICITY
- Customer management and service delivery, staying abreast of challenges that clients are facing in their industries and devise strategies to create value through financial and non-financial solutions.
- Collaborate with clients to understand their business goals and objectives, providing strategic recommendations and solutions to help them achieve success.
- Serve as the primary point of contact for national representation in clients, fostering positive and productive relationships.
- Provide ongoing and relevant advice to client on optimization of fleet, considering regional information where relevant.
- Engage Clients understanding queries and complaints displaying a willingness to ensure client expectations are met.
- Ensure successful retention of existing customers in the assigned portfolios by strengthening and expanding relationships.
- Lead client interactions on a national level to present performance results and provide information on specific issues, including regional stakeholders as and when required.
SALES MANAGEMENT
- Retain and grow the existing client base, identifying opportunities and activities for additional business through cross-selling and upselling of services and products.
- Conduct ongoing and accurate territory and portfolio analysis to identify business potential and ensure that this forms part of the basis of service and call objectives.
- Prepare and motivate pre credit forum and credit committee papers.
- Proactively identify opportunities to renew and extend contracts before they expire, leveraging insights from ongoing client interactions and feedback.
- Broaden business value and develop ways to enhance value proposition and competitive advantage of the offerings available to the client. Adding value to client’s eco system through financial and non-financial solutions
- Actively work with the client to identify strategic opportunities and operational cost efficiencies, understanding their needs and maintaining a client solution orientation.
- Stay informed about industry trends, market dynamics, and competitor activities related to fleet management services.
- Identify opportunities for additional business and increased facilities.
- Conduct market research and competitive analysis to identify new opportunities, threats, and areas for differentiation
OPERATIONAL EXCELLENCE
- Manage SLAs through reporting and reviews including identifying exceptions and corrective actions.
- Manage the Vehicle Replacement Program to ensure a modern, efficient, and cost-effective fleet is maintained within the portfolio.
- Facilitate fuel cards ordering, licensing, traffic fines management, insurance related queries.
- Project management of roll out and onboarding of clients
- Assess client fleet utilization, and present restructure proposal in line with contracted parameters, maximizing opportunities within parameters of the contract.
- Proactively co-ordinate clients and internal stakeholders to facilitate the placement of orders.
- Co-ordinate and follow-up on all activities required during new vehicle handover, renewal and end ofcontract, termination processes ensuring quality and service levels are met.
- Escalate complex or high-priority issues to appropriate management levels for timely resolution
GOVERNANCE, RISK & COMPLIANCE
- Review contract conditions approved by the credit committee and ensure the tracking of requirements as the contract is implemented and managed
- Monitor and manage (in collaboration with internal business partners) the delivery of service in line with service level agreements, standards.
- Identify proactive actions to be put in place to minimize incurring penalties.
- Ensure adherence to legislation and regulatory requirements e.g. Fica, KYC management
- Ensure accurate preparation and signing of all legal agreements and documents.
- Adhere to internal risk and compliance procedures and processes for client onboarding, management and credit sanctions.
- Complete all compliance training within laid down timelines.
INTERPERSONAL SKILLS
- Professional conduct
- Demonstrate highly developed interpersonal relations.
- Maintain a positive attitude towards customers.
- Tenacity
- Integrity
- Outspoken & Friendly
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PRIMARY PURPOSE
- Performs a full management function of bankers and support in respect of general business banking products in accordance with internal banking processes and general compliance regulations, to ensure continuous business growth and client retention.
TECHNICAL COMPETENCY REQUIREMENT
Minimum Requirement:
- Financial Acumen: Ability to evaluate the impact of a business decision on the business' financial statements, and financial wellbeing in the long term.
- Business Development: Understanding and utilising economic, financial, industry, and organisational data; accurately diagnosing customers’ business strengths, weaknesses, and key issues that can inform sales strategies and plans. Ability to execute Sales strategy.
- Client Engagement & Relationship Management: The ability and willingness to work as part of a team. Developing solutions in collaborative processes supporting sales and service teams across clients to create value for the Bank.
- Trend Management: The ability to analyse data and extrapolate trends with regard to large sets of data, ensuring that the right conclusions can be drawn and the right decisions made. Client Engagement & Relationship Management.
- People & Team Management: The competence to manage the day-to-day team operations, assist with resource allocation and provide input into goal setting to drive the delivery and achievement of daily targets as per defined quality standards. Provide coaching and on the job training on products, systems, and processes to enhance team capability and skills.
- Devise Sales Approaches and Solutions: The ability to develop sales solutions or taking courses of action that appropriately consider available facts, constraints, competitive circumstances, and probable consequences; clearly connecting solutions to business needs.
- Service Level Management: Understanding the importance of adhering to service level agreements and the impact of non-adherence thereto on customer relationships, customer service and the Bank's reputation. Ability to communicate effectively at all levels.
REQUIRED MINIMUM EDUCATION AND TRAINING
- BCom Degree
- Banking qualification and FAIS RE1 and RE5
REQUIRED MINIMUM WORK EXPERIENCE
- 5 - 8 years Banking experience - risk, credit
- 3 - 5 years Management experience
KEY PERFORMANCE AREA (KPA)
FINANCIAL MANAGEMENT
- Achieve long-term, medium-term and short-term budget goals and target
- Set and manage targets for the team
- Ensure ongoing margin and fee management
- Minimise expenditure and manage cost effectively
- Contribute to the development of budget
- Establish sales objectives by creating a sales plan and team targets in support of regional objectives
- Provides input into deal structuring and credit proposals for business clients credit facilities, including overdraft; asset-based finance and trade finance
- Oversight of ongoing credit management and remedial credit management of bank clients in the region
- Determine targets for revenue growth
- Identify new business opportunities to ensure opportunities are aligned to the strategy of the bank
- Propose and/ or implement innovative ideas to enhance business results
- Identify and implement on opportunities for revenue growth
CUSTOMER CENTRICITY
- Manage relationships internally and externally
- Manage client compliments and complaints
- Client visits with bankers
- Develop and ensure implementation of practices which builds service delivery excellence
- Monitor and coach behaviours that ensure a service culture
- Maintains and expands customer base
- Identifying new customer opportunities
- Drive a culture that enhances and broadens customer value proposition, service, delivery and client engagement in line with the business banking product overall strategies
- In collaboration with Regional Head and Marketing, define a regional marketing strategy to increase the brand of the organisations in the regions
- Identify customer needs in order to increase the share wallet by providing input and product offerings design
- Monitor actual achievements and failures of the customer experience standards in the region on an on-going basis by reviewing the pertinent customer metrics (retention rates, complaints, survey results)
- Contribute to sustaining a competitive edge through external networking, benchmarking, and representation on related forums.
- Drive and implement adoption of Bank Service Standards
OPERTIONAL EXCELLENCE
- Translate strategies into actionable goals and execute relevant projects / initiatives aligned to strategic objectives with specific performance measures and control systems to track progress
- Plan for handling work outputs, pull together interdependent activities and specify priorities, standards and procedures to ensure tactical excellence
- Provides input into product development by identifying new product opportunities; and/or product/ packaging, and service changes
- Establish an effective and efficient sales and service platform with relevant functions to achieve business performance which are in line with the Bank’s standards and compliance policies
- Support regional head to identify and take responsibility for the assigned principal risks relevant to the area
- Communicate the strategy, plans and ideas to the business banking team
PEOPLE LEADERSHIP
- Communicating job expectations, planning, monitoring, appraising and reviewing job contributions
- Manage team in respect of recruitment decisions, performance moderation, talent
- management process, disciplinary action, recognition and retention of employees
- Build team succession plans for roles in own area and influence resource planning
- Ensure timeous, clear contracting and assessment of performance expectations in line with identified objectives and enable a learning and growth culture
- Implement talent management practices in line with HR policies and procedures
- Provide direction, coaching, and regular feedback to employees to improve performance and implement performance improvement initiatives
- Ensure that skills are transferred in specific function
- Ensure effective conflict resolution and respond to any complaints or concerns timeously
- Coach to improve performance and develop skills of team members
- Motivate and keep team engaged and coach to discuss career progression
REPORTING
- Accurately complete required daily, weekly and monthly reporting
- Input on regional Manco reporting
- Activity measurement
- Trigger report measurement
- Exception reporting
- Expired FICA and facility reporting
- Collateral reporting
LEARNING AND GROWTH
- Updates job knowledge by participating in educational opportunities; reading professional publications; maintaining personal networks
- Promote awareness and ensure adherence to all policies and procedures
- Drive the requisite organizational culture in the business in line with the Bank’s Values and Culture
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PRIMARY PURPOSE
- To assess work requirement and quotations, acting as control and making informed decisions in authorising work orders for scheduled maintenance, breakdown and accident repairs. To ensure cost saving initiatives are practiced and implemented by scrutinising quotations submitted by suppliers or regional teams minimising disruption to service delivery and customer contract requirements.
TECHNICAL COMPETENCY REQUIREMENT
- Business Stakeholder Management
- Client orientation - objectivity & accuracy
- Query Resolution
- Teamwork and rapport building
- Deadline orientated and results driven
- Operational Excellence
- Attention to detail
- Financial acumen
- Resilient – manage pressure, adaptive to a changing environment
- Computer literacy skills
- Communication skills – Email and call etiquette
- Technical Knowledge on commercial vehicles
REQUIRED MINIMUM EDUCATION AND TRAINING
- Matric or equivalent technical qualification
- Qualified Motor Technician
REQUIRED MINIMUM WORK EXPERIENCE
- 3 years experience as qualified motor technician, preferably within the Fleet industry.
- Experience maintaining and working with commercial vehicles.
KEY PERFORMANCE AREA (KPA)
Customer Centricity
- Serve as point of contact for suppliers seeking authorisation of work orders, delivering exceptional customer service and timely decisions, to ensure the smooth operation of the fleet.
- Address supplier or regional operations concerns, questions, and complaints in a timely and professional manner, increasing customer satisfaction.
- Participate in resolving incidents, co-ordinating actions and monitoring the end to end resolution to ensure contractual conditions are met. All incidents to be managed according to SLA timelines.
Operational Excellence
- Support the technical call centre in assessing and validating breakdown or accident requirements, and allocation of work to suppliers.
- Stay abreast of the different OEM warranty policies and analyse if work required will be covered by warrantee or goodwill claims.
- Verify quotes to ensure validity (if work is required), accuracy and fair cost meeting quality standards.
- Decline or authorise such quotations within the set limits of authority.
- Ensure that all decisions made are in conjunction with the deal parameters and reduce maintenance/repair costs at all times.
- Actively drive cost saving initiatives across the portfolio of suppliers.
- Review supplier quotations and negotiate lower labour rates and parts pricing.
- Set quality expectations for timeframes, workmanship and output delivered by suppliers, ensuring the best possible outcome for the customer.
- Engage with the operations team in the region to monitor quality of work being done and assess suitability of service providers.
- Ensure all supplier quotations and correspondence are accurately recorded in the requisite system, adhering to the relevant electronic or manual processes and filing standards.
- Keep complete and accurate records adhering to the relevant electronic or manual processes and filing standards.
Governance, Risk & Compliance
- Validate and process authorisations and invoices within the mandated limits, in accordance with internal policies and procedures.
- Identify and report any violations or discrepancies to the appropriate supervisors or compliance officers.
- Check the validity of warrantee and goodwill claims.
- Review invoices for correctness (body repairs and mechanical repairs have been completed as per inspection by regional team), and process timeously.
- Follow up on outstanding re-bills to ensure purchase orders are received timeously.
Stakeholder Management
- Follow-up and collaborate with other functions and suppliers to improve customer satisfaction.
- Assist with all interdepartmental challenges to facilitate a well maintained fleet to contract requirements and customer satisfaction.
- Facilitate communication between the Fleet Management function, suppliers and other stakeholders.
- Build strong relationships with internal and regional departments, trying to forge & maintain quality inter-personal relationships.
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PRIMARY PURPOSE
- The purpose of the Credit Risk Analyst role is to assess, measure, and monitor the credit risk exposure of the Bank to ensure sound lending and investment decisions. The analyst evaluates financial data, creditworthiness, and market conditions to identify potential risks, recommends appropriate credit limits or risk mitigation strategies, and supports the development of policies that safeguard the company’s portfolio quality. This role helps maintain regulatory compliance and contributes to sustainable profitability by ensuring that credit decisions align with the organization’s risk appetite.
TECHNICAL COMPETENCY REQUIREMENT
- Accuracy in preparing, validating, and submitting regulatory returns within deadlines.
- Skilled in preparing daily, monthly, and quarterly risk reports for senior management and governance committees.
- Ability to translate data into actionable insights for decision-making.
- Ability to engage effectively with business units, credit teams, and regulatory stakeholders regarding submitted returns.
- Knowledge of Banks Act and Regulations.
- Knowledge of internal risk frameworks, credit policies, and industry regulation.
- Ability to diagnose root causes of risk issues and recommend practical mitigation strategies.
- Strong communication skills for presenting risk findings and remediation recommendations.
- Proficiency in Excel (advanced functions, pivot tables, financial modelling) and risk reporting tools
- High level of integrity & consistent with good judgement
- Ability to identify, quantify, and assess credit risks across portfolios.
- Strong understanding of BA200, Statistical Form 39, and other NCR (National Credit Regulator) reporting requirements.
- Ability to work under pressure and meeting deadlines.
REQUIRED MINIMUM
Bachelor’s degree in finance, Risk Management, Accounting, Economics, or a related field.
REQUIRED MINIMUM WORK EXPERIENCE
- 2–4 years’ experience in credit risk, regulatory reporting, credit analytics, or a similar financial services environment.
- Experience preparing regulatory submissions such as BA200
- Experience working with risk reporting or financial data systems (e.g., LEX or similar platforms).
KEY PERFORMANCE AREA (KPA)
FINANCIAL MANAGEMENT
- Support sound credit decision-making by providing accurate risk analysis that protects portfolio quality and mitigates potential financial losses.
- Monitor covenant compliance within LEX customer groups to ensure early detection of financial stress.
- Highlight financial risks and propose remediation strategies that align with the organization’s risk appetite.
- Ensure financial data relevant to lending, activations, and exposures is accurate, complete, and compliant with internal policies and regulatory requirements.
CUSTOMER CENTRICITY
- Engage with business units, senior credit teams, and regulatory stakeholders regarding submitted returns and risk insights.
- Provide clear communication and explanation of risk reports, regulatory submissions, and data-related findings.
- Respond to stakeholder queries promptly and ensure alignment on risk issues and remediation plans.
- Collaborate across departments to rectify data anomalies, ensure compliance, and support decision-making.
OPERTIONAL EXCELLENCE
- Manage status of projects deliverables & reporting deliverables according to set date schedule
- Identify emerging credit risks and perform detailed analysis to assess potential impact.
- Prepare, validate, and distribute daily, monthly, and quarterly risk reports with high accuracy and timeliness. (Collateral, Credit risk, Excess/FC cashflow limit , limit exposure. FC MTM, Lex bank limit, Bidvest Group Lex limit, Sector limit, incident, credit committee, Billex, NCA, Moody’s rating reviews, reports etc.)
- Complete BA200 and Statistical Form 39 regulatory submissions in accordance with NCR requirements.
- Manage activation and pay-away processes for Commercial and Residential Mortgages, Moveable Asset Finance, and Personal Loans, ensuring accurate record keeping.
- Oversee LEX customer groups to ensure correct grouping, covenant compliance, and data integrity.
- Maintain strong internal controls and ensure the integrity and consistency of all captured credit and risk data.
- Support internal and external audit requirements and contribute to process improvement initiatives and system enhancements.
- Monitoring of credit limits including regulatory lending limits and correctness of limits loaded on systems.
- Reviewing deal files and sending to finance on time for supplier payment
- Activation of deals on FleetActiv
- Ensuring accuracy in NCR and completeness of data used for all Reports
- Timeous submission of Credit Risk returns and deadlines.
LEARNING AND GROWTH
- Take ownership for driving own career development, as well as that of junior staff.
- Achievement of objectives/milestones set out in the development plan.
- Broaden skills to ensure greater marketability and value within the bank
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PRIMARY PURPOSE
- Responsible for the company secretarial function and responsibilities may include other administrative requirements of the organisation. Responsible for ensuring that all statutory requirements and particularly those specified by the Company's Act are complied with.
- The Executive Head - Legal and Company Secretariat is a key leadership position within the bank's legal department. This role is responsible for providing strategic guidance, legal advice, and overseeing the company secretarial function. The Executive Head plays a crucial role in ensuring legal compliance, managing legal risks, and safeguarding the bank's interests.
JOB DESCRIPTION
Legal Counsel:
- Provide efficient effective legal support services, advice and guidance to the Board, the bank's senior management team as well as
- any other business units
- Analyse and understand complex legal and regulatory risks that could affect the bank's operations and activities.
- Draft and review of contracts, agreements, and other legal documents to protect the bank's interests.
- Stay updated with new laws, regulations, and industry developments, and advise the bank on potential impacts.
- Development of legal strategy and policies.
- Management and coordination of the IP Portfolio.
- Manage legal disputes, litigation, and regulatory investigations in coordination with external legal counsel.
- Ensure adherence to corporate governance principles and legal compliance across the organisation.
Company Secretarial Function:
- Oversee the company secretarial function, ensuring compliance with statutory requirements and corporate governance standards.
- Prepare and manage board and committee meetings, including agenda setting, minutes, and resolutions.
- Maintain accurate records, registers, and filings as required by law and regulatory authorities.
- Advise the board of directors and senior management on corporate governance matters and best practices.
- Coordinate the appointment, induction, and training of board members and ensure effective communication between the board and
- management.
Regulatory Compliance:
- Monitor and interpret banking and financial regulations to ensure compliance.
- Develop and implement policies, procedures, and internal controls to mitigate legal and regulatory risks.
- Collaborate with internal stakeholders to ensure proper implementation and adherence to compliance standards.
- Liaise with regulatory authorities and respond to inquiries, examinations, and audits.
Team Leadership and Development:
- Lead and manage a team, providing guidance, mentorship, and professional development opportunities.
- Foster a culture of excellence, teamwork, and continuous improvement.
- Recruit and retain talented professionals to support the bank's operations.
QUALIFICATIONS
- Post graduate Diploma and Professional in Management Sciences/ Generic Management
- Registration / NQF level 8
EXPERIENCE: 12 YEARS
PROFESSIONAL BODY
- LSSA - Law Society of South Africa
PROFESSIONAL QUALIFICATION
COMPETENCIES
Behavioural Competency
- Consistently achieve results, even under difficult circumstances, taking on new opportunities and tough challenges with a sense of urgency, high energy, and enthusiasm and holds self and others accountable to meet commitments
- Favours data and imperial evidence over opinion and/or intuition, making connections between data and business results. Making data-led decisions, commercialising data.
- Step up to address difficult issues, saying what needs to be said. Consistently act in accordance with moral, ethical, professional standards and is authentic in one's interaction with others.
- Meeting and exceeding customer needs while cultivating relationships that secure commitment and trust, ensuring that the customer perspective is a driving force behind business decisions and activities.
Leadership Competency
- Provide excellent leadership and/or management to help others explore and perform at their best. Motivate, develop and inspire self and others to be creative and achieve high performance whilst still having have fun.
- Recognising and responding positively to the need for change, identifying opportunities for change and moving quickly and efficiently in response to nonstop change
Technical Competency
- Providing guidance and expert advice to management or other groups on technical, systems-, or process-related topics.
- Provides information people need to know to do their jobs.
- Provides individuals information so they can make accurate decisions. Is timely with information.
- Clearly conveys and receives information and ideas through a variety of media to individuals or groups in a manner that engages the listener, helps them understand and retain the message, and invites response and feedback. Keeps others informed as appropriate. Demonstrates good written, oral, and
- listening skills. Relating to or using analysis or logical reasoning.
- Systematically exploring and reviewing information in order to discover meaningful patterns that assist to complete a task or make a decision.
Discipline
- Support Services. Risk and Compliance. Support Services.
Area of Experience
- Company Secretarial Leadership Essential. Legal Leadership Essential. Executive Experience Essential.
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PRIMARY PURPOSE
- The Junior Credit Manager supports the Credit Department in effectively managing the company’s overall credit risk exposure across all lending products — including Corporate, Commercial, Business Banking, Forex, and Trade Finance. The role involves assessing customer creditworthiness, monitoring accounts receivable, and assisting in the development and implementation of credit policies and procedures. In addition, the Junior Credit Manager is responsible for managing their assigned credit portfolio, overseeing daily excesses, securities, and credit limits. The objective of this role is to safeguard the company’s financial health by maintaining an optimal balance between prudent credit risk management and sound commercial opportunities.
TECHNICAL COMPETENCY REQUIREMENT
- • Strong analytical and numerical ability.
- • Attention to detail and accuracy in financial data handling.
- • Good communication and negotiation skills.
- • Proficient in Microsoft Excel and accounting
- • Ability to work under pressure and manage multiple priorities.
- • Team-oriented with a proactive attitude to problem-solving.
REQUIRED MINIMUM EDUCATION AND TRAINING
• Bachelor’s degree in finance, Accounting, Business, or a related field.
REQUIRED MINIMUM WORK EXPERIENCE
• 2–3 years’ experience in credit control or financial analysis.
• Familiarity with credit risk assessment tools and processes.
• Working knowledge of accounting principles and financial statements.
KEY PERFORMANCE AREA (KPA)
FINANCIAL MANAGEMENT
- Assist in evaluating the creditworthiness of new and existing customers through financial analysis, credit scoring, and trade references.
- Prepare and recommend credit limits in line with company policy.
- Support the review and approval process for credit applications within approved mandate.
CUSTOMER CENTRICITY
- Partner with sales teams and relevant stakeholders to support business objectives and client service delivery.
- Build and maintain strong working relationships with internal and external stakeholders
- Collaborate with Sales teams to understand client needs and provide sound credit solutions aligned with the bank’s risk appetite.
- Liaise with Legal, Compliance to ensure accurate documentation and adherence to internal policies and regulatory requirements.
- Support the Senior Credit Manager in preparing and presenting portfolio performance updates, highlighting key risks, exposures, and recommendations.
- Provide timely and accurate information to management and relevant committees to support informed credit decisions.
- Foster a customer-centric approach while upholding the Bank’s credit standards and risk management principles.
OPERTIONAL EXCELLENCE
- Manage the day-to-day administration of the assigned credit portfolio, ensuring facilities are operated within approved limits, terms, and conditions.
- Work closely with Sales teams to proactively manage client risk exposures.
- Monitor daily account excesses, collateral positions, and security documentation to ensure full compliance with credit approvals and internal policies.
- Assist in the preparation, review, and maintenance of credit files, ensuring accuracy, completeness, and adherence to audit and regulatory standards.
- Support the timely renewal and review of credit facilities by gathering relevant financial information, updating risk ratings, and assisting in credit proposal preparation.
- Track and escalate potential credit or operational risks to the Senior Credit Manager or Risk team for early intervention.
- Generate and review periodic portfolio and exception reports
- Assist in process improvement initiatives to enhance credit monitoring efficiency and reduce operational risk.
- Ensure compliance with internal credit policies, procedures, and relevant regulatory requirements at all times.
- Monitor customer accounts to ensure timely payment and compliance with agreed credit terms.
- Follow up on overdue accounts, liaising with customers and sales teams to resolve payment issues.
- Assist in preparing monthly aged debt reports and collection forecasts.
COMPLIANCE AND MONITORING
- Maintain awareness of regulatory and market developments that impact credit risk.
- Support the implementation of credit control policies and procedures.
- Ensure compliance with internal controls and relevant regulatory requirements.
- Contribute to system improvements and process automation initiatives.
REPORTING
- Prepare regular reports on portfolio performance, credit exposure, and risk trends.
- Analyze and report on portfolio quality indicators, including delinquency rates, impairments, and concentrations.
- Provide management with insights and recommendations for risk mitigation and business growth.
LEARNING AND GROWTH
- Work with Learning & Development to implement appropriate education, learning and communication for employees.
- Take ownership for driving own career development.
- Achievement of objectives/milestones set out in the development plan.
- Preparation and signing off of the development plan
- Development of knowledge base and intellectually property.
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PRIMARY PURPOSE
- The Facilities Manager is responsible for the effective management, maintenance, and security of the organization’s physical infrastructure and workplace environment, across multiple sites. This role oversees facilities operations, physical security, and occupational health & safety (OHS) to ensure a safe, secure, and compliant workplace. The incumbent also manages a multidisciplinary team to deliver high-quality facilities and support services, contributing to business continuity, employee well-being, and operational efficiency.
TECHNICAL COMPETENCY REQUIREMENT
• Knowledge of access control systems, surveillance technologies (CCTV), and alarm systems
• Proficiency in identifying potential security and safety risks within facilities, across multiple sites
• Strong understanding of health and safety regulations, compliance frameworks, codes, risk management and industry standards.
• Ability to conduct regular OHS inspections, hazard assessments, and safety audits.
• Understanding of emergency response procedures, including fire safety, evacuation plans, and first aid.
• Contractor and vendor management.
• Budgeting, procurement, and cost control.
• Project and people management.
• Ability to coordinate emergency drills and manage incident responses effectively.
• Experience in overseeing building maintenance, equipment safety checks, and facility security features.
• Knowledge of systems for reporting and managing facility issues (e.g., access control systems, emergency lighting, security alarms).
REQUIRED MINIMUM EDUCATION AND TRAINING
• Degree or National Diploma in Facilities Management or equivalent.
• SHEQ qualification or relevant training
REQUIRED MINIMUM WORK EXPERIENCE
• 5 – 7 years of progressive experience in facilities management, including responsibility for physical security and OHS
• At least 3 years in a leadership or supervisory role
• Proven experience managing large-scale facilities operations, vendor contracts, and compliance programs.
• Strong background in implementing OHS and security management systems.
KEY PERFORMANCE AREA (KPA)
Facilities Management
- Building Systems & Infrastructure: Manage and have knowledge of HVAC, electrical, plumbing, fire safety, and energy management systems, ensuring optimal operations and compliance with energy-saving practices.
- Maintenance & Operations: Expertise in the operation, maintenance, and repair of facilities, overseeing preventative maintenance programs, and ensuring seamless facility functioning across locations.
- Manage Environmental Sustainability Reporting: Oversee the collection, analysis, and reporting of key sustainability metrics (energy consumption, water usage, waste diversion, carbon footprint, etc.). Ensure accurate and timely reporting to internal stakeholders and regulatory bodies, and develop strategies for continuous improvement based on the data.
- Oversee Data Center Infrastructure: Manage the critical infrastructure of data centers, including HVAC (heating, ventilation, and air conditioning), UPS (uninterruptible power supplies), and generators, ensuring their continuous operation, service reliability, and routine maintenance to support business continuity.
- Asset Management: The Facilities Manager is responsible for managing the organization’s physical assets, ensuring they are properly maintained, compliant, and efficient throughout their lifecycle. This includes tagging assets, tracking assets, overseeing maintenance, managing budgets, and ensuring proper disposal or replacement.
Physical Security
- Security Systems: Competency in designing and managing physical security systems, such as surveillance cameras (CCTV), access control, alarm systems, and intrusion detection systems.
- Risk Management: Ability to assess security risks, develop mitigation strategies, and implement security measures to protect people, assets, and sensitive information.
- Emergency Response & Crisis Management: Collaborating with Risk Management on emergency protocols, disaster recovery plans, and business continuity strategies in case of physical security threats (e.g., break-ins, terrorism, civil unrest).
Occupational Health and Safety
- Regulatory Compliance: Understanding of OHS laws and regulations (e.g., OSHA standards, environmental health regulations) to ensure compliance and employee safety.
- Health & Safety Programs: Development and management of programs for accident prevention, reporting of accidents and incidents as well as near misses, workplace ergonomics, health monitoring, and the promotion of a safety culture.
- Hazard Identification & Risk Assessment: Expertise in identifying workplace hazards (chemical, physical, biological) and implementing effective risk control measures.
- Training & Awareness: Knowledge in designing and delivering training on workplace safety, emergency procedures, and first aid to employees.
Integrated Risk Management
- Cross-Disciplinary Collaboration: Ability to coordinate between facilities management, security, and OHS teams to create integrated safety solutions for Bidvest Bank.
- Crisis Communication: Skills in developing communication strategies to inform employees and stakeholders about safety threats, emergencies, or facility issues.
- Incident Investigation & Reporting: Expertise in conducting thorough investigations into security breaches, accidents, or health-related incidents, ensuring proper documentation and regulatory reporting.
People Management
- The ability to manage staff to deliver on facilities management requirements across multiple sites.
- Budget & Resource Management: Skills in overseeing budget allocations for facilities maintenance, security upgrades, and safety programs, ensuring cost-effective use of resources.
- Vendor & Contractor Oversight: Management of third-party vendors and contractors providing security, safety equipment, or facility services, ensuring quality, compliance, and performance.
Cost Management
- Facility Operating Costs: Total cost of operating each facility, including maintenance, utilities, staffing, and vendor contracts. Monitored against budgeted costs.
- Ensure Compliance with operational budgets and financial policies.
- Manage Client Contract renewals, address changes affecting management fees and resources charges
- Submit monthly business report reviews, track contract variations in costs
Provide management responsibility to Facilities team
- Drive a continuous learning culture which focuses on innovation and value adding solutions in line with best practice.
- Implement Personal Development Plans and oversee performance of team, provide consistent feedback, manage the talent across the team.
- Coordinate and manage employee training programmes, covering legal and mandatory training and the budgets for training.
- Training and Certification Track the percentage of team who have completed required or recommended training programs or certifications within a given period.
- Employee Engagement in Learning Initiatives -Encourage all employees to attend trainings, webinars as well as knowledge Sharing and Mentorships to foster growth within the team.
- Leadership and Succession Planning: Measure the development of leadership skills as well as other required skills and readiness of employees to take on higher responsibilities or move into senior roles.
Data Management
- Effective data management, ensure that all aspects of facility operations, from maintenance to safety, energy use, and compliance, are systematically tracked.
- Provide accurate and timely data, reduce operational costs, improve sustainability, enhance the safety and comfort of building occupants, and streamline processes.
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PRIMARY PURPOSE
- The purpose of this role is to manage the preparation and submission of regulatory returns to financial authorities (e.g. South African Reserve Bank.) in accordance with statutory and prudential requirements. The Regulatory Accountant ensures accurate interpretation of evolving regulations, supports the implementation of new reporting standards, and collaborates with finance and risk teams to maintain full compliance and data integrity.
- In addition, the role is responsible for ensuring that all regulatory reporting is accurate, timely, and aligned with internal control frameworks and external compliance standards.
TECHNICAL COMPETENCY REQUIREMENT
- Regulatory Reporting: In-depth knowledge of regulatory returns and reporting requirements (e.g., central bank, prudential authority, or financial regulatory submissions).
- Strong understanding of accounting principles, IFRS, and statutory reporting standards.
- Prudential Standards Compliance: Familiarity with capital adequacy, liquidity, and solvency frameworks (e.g., Basel III/IV, Solvency II, Bank Act).
- Ability to interpret and apply evolving financial regulations and reporting standards.
- Ability to ensure accuracy and consistency of financial data
- Experience supporting internal and external audits related to regulatory reporting.
- Advanced proficiency in Microsoft Excel and familiarity with data analytics tools (e.g., Power BI, SQL) for reporting and validation.
- Good knowledge of regulatory key risk
- Ability to interact with internal and external stakeholders at all levels
- High level of integrity & consistent with good judgement
- Communication skills (Verbal and written)
REQUIRED MINIMUM EDUCATION AND TRAINING
- B Com Degree preferably with accounting as a major; or B Com Risk Management
REQUIRED MINIMUM WORK EXPERIENCE
- 3–5 years of experience in financial or regulatory reporting, preferably within the banking, insurance, or financial services sector.
- Prior exposure to working with finance, risk, and compliance teams to ensure accurate and compliant reporting
- Knowledge, understanding and interpretation of regulatory ratios
- SQL experience is advantageous
KEY PERFORMANCE AREA (KPA)
FINANCIAL MANAGEMENT
- Ensure timely and accurate preparation and submission of all regulatory and statutory returns in compliance with prudential and accounting standards.
- Monitor key financial and regulatory metrics to ensure alignment with organizational targets and risk appetite.
- Support the preparation of financial statements and reconciliations related to regulatory reporting.
- Contribute to maintaining data integrity and accuracy across financial and regulatory systems.
- Identify and implement process improvements that enhance reporting accuracy, efficiency, and compliance.
- Identify manual processes and collaborate with relevant stakeholders to automate
- Implement effective control and mitigation measures to minimize financial risk and prevent regulatory penalties
CUSTOMER CENTRICITY
- Build and maintain effective relationships with internal stakeholders (e.g., Finance, Risk, Compliance, and Audit teams) to ensure high-quality service delivery.
- Respond promptly and accurately to regulatory and internal stakeholder queries.
- Provide insights and guidance to management and business units on regulatory reporting implications.
- Promote a culture of accountability, transparency, and continuous improvement in regulatory compliance and reporting
- Interact with the regulatory authorities on ad hoc requests and responses to queries.
OPERTIONAL EXCELLENCE
- Interpret and apply evolving regulatory requirements, ensuring compliance with relevant laws and prudential frameworks.
- Maintain and enhance internal control processes governing regulatory reporting.
- Provide analysis and responses to all issues relating to SARB queries on an on-going basis
- Collaborate with Finance, Risk, Data and Compliance teams to ensure consistency between financial data and regulatory submissions.
- Attend to all regulatory audit and regulatory reviews by providing required documentation, reconciliations, and explanations within agreed turnaround time.
- Participate in system enhancements, data validation initiatives, and automation projects to streamline reporting processes.
- Manage the status and timely delivery of all project and regulatory reporting deliverables in line with agreed schedules.
- Ensure awareness and communication of system related challenges and speedy resolution.
- Ensure compilations of monthly regulatory metrics for management reporting purposes
- Ensure Timeous submission of SARB returns
- Ensuring the timeous completion of the following SARB returns for review:
- Balance Sheet
- Off Balance Sheet Activities
- Income Statement
- Restriction on Investment, Loans and Advances
- Credit Risk (Standardized Approaches)
- Minimum Reserve Balance and Liquid Assets
- Daily Return
- Investment Risk
- Consolidate BA returns
- Statistical reporting to SARB economic department (BA 900, BA 920 and BA 940)
CULTURE AND ENGAGEMENT
- Contribution to making the department a great place to work.
- Promote teamwork (level of teamwork, accountability, delivery, quality & speed of information shared contribution to efficiency and effectiveness of area)
- Make effort to forge and maintain quality inter-personal relationships.
- Take accountability for the achievement to operational objectives within area of control and influence.
- Support and drive the business’s core values.
- Promote the sharing of knowledge.
LEARNING AND GROWTH
- Manage own personal growth according to personal development goals
- Achievement of objectives/milestones set out in the development plan
- Broaden skills to ensure greater marketability and value within the bank
WORK CONDITIONS: OFFICE BOUND
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PRIMARY PURPOSE
- The position involves the analysis and investigation of alerts pertaining to possible customer and payment screening matches, transaction monitoring rules and reporting requirements. The Analyst is also required to file applicable reports and recommendations regarding the management of positive matches to the Manager.
- Ensuring compliance with all AML/CFT/PF regulatory requirements including FICA i.e. KYC and the company’s internal processes; policies, procedures and regulations.
TECHNICAL COMPETENCY REQUIREMENT
- Comprehensive knowledge of AML, CFT regulations and principles
- Expert knowledge of key AML Principles
- Strong Analytical abilities
- Ability to exercise oversight, knowledge and understanding of AML policies, procedures, and control arrangements in complex AML operations.
- Knowledge of financial industry products and services.
- Ability to understand and efficiently analyse information from multiple sources and derive insights that identifies key AML risk exposures.
- Ability to work independently and meet deadlines
- In depth knowledge and experience of sanction screening, reporting and customer due diligence.
- Microsoft Office (Advanced Excel skills)
REQUIRED MINIMUM EDUCATION AND TRAINING
- Degree and/or NQF Equivalent in Legal or Audit or Compliance or Risk Management or Commerce
- Money Laundering Control and/or CAMS Certificate preferred
REQUIRED MINIMUM WORK EXPERIENCE
- Minimum 5 years of experience in similar role
- Minimum 3 years' experience in a financial services industry
KEY PERFORMANCE AREA (KPA)
FINANCIAL MANAGEMENT
- Ensure adequate controls are in place to mitigate risk of regulatory fines through timeous submission of reports
- Ensure AML activities are conducted in a cost-efficient manner
- Ensure proper analysis of client profiles in line with AML legislation
CUSTOMER CENTRICITY
- Drive customer centricity within the bank for your respective areas
- Ensure all queries are attended to within agreed turnaround time.
- Analyse and assess business/customer requirements to provide timeous and fit-for-purpose solutions.
- Build and maintain customer relationship.
- Ensure the analysis of customer profiles is handled fairly.
- Stay abreast of customer requirements and trends to ensure enhanced customer value proposition
OPERTIONAL EXCELLENCE
- Regular review of quality of Bidvest bank internal AML monitoring systems.
- Ensure the effective analysis and investigation of alerts and reports pertaining to possible unusual and suspicious transactions or conduct including quality assurance.
- Determine remedial steps required to remediate reporting errors and ensure resubmission.
- Ensure quality outcomes on the customer risk assessment process.
- Conduct investigations and reporting of customers/transactions being the subject of FICA requests and subpoenas.
- Monitoring the conduct and transactions of specified high-risk scenarios and reporting of same when required.
- Continuously test AML system rules and enhancement thereof and communicate test results and program gaps to the Business Units, AML IT teams and the system vendor.
CULTURE AND ENGAGEMENT
- Contribute to making the department a great place to work.
- Promote teamwork (level of teamwork, accountability, delivery, quality & speed of information shared contribution to efficiency and effectiveness of area)
- Make effort to forge and maintain quality inter-personal relationships.
- Take accountability for the achievement to operational objectives within area of control and influence.
- Support and drive the business’s core values.
- Promote the sharing of knowledge.
COMPLIANCE MANAGEMENT
- Ensure the Bank continues to comply with the requirements of AML and CFT legislative requirements.
- Provide guidance to the Bank in complying with AML, CFT policy requirements.
- Monitor the Banks compliance with KYC screening and reporting obligations.
- Ensure reports are filed with the regulatory timeously.
- Ensuring compliance with the FICA requirements, and the company’s internal processes; policies; procedures and regulations.
STAKEHOLDER MANAGEMENT
- Ensure Bank objectives are communicated to all stakeholders.
- Provide support to correspondent banking partners.
- Identify problem areas and ensure corrective action is taken.
- Facilitate liaison with the systems providers to ensure proper understanding of the system specifications, requirements and functions.
- Ensure quality engagement and correspondence with various business partners.
- Build relationship with various teams/functions in the Bank to ensure awareness of system related challenges and speedy resolution.
REPORTING
- Extracting of reports from go AML Message Board and saving in S: drive folders for long term record keeping.
- Daily analysis and investigating of submitted batch and manual report results as received from the FIC.
- Investigation of all failed reports for root cause analysis.
- Filing of Manual CTR’s as and when required.
- Resubmission of remediated reports within prescribed timeframe.
- Compilation of monthly AML metrics for management reporting purposes.
LEARNING AND GROWTH
- Develop and conduct AML Compliance related training
- Coach and deliver on the job training to junior staff.
- Take ownership for driving own career development, as well as that of junior staff.
- Achievement of objectives/milestones set out in the development plan.
- Broaden skills to ensure greater marketability and value within the bank.
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Primary Purpose
To generate revenue for Bidvest by sourcing new clients and proactively managing the account to maximize profitability. To grow and retain a portfolio of high value banking relationships by performing proactive value adding partnership, by providing banking solutions and services to maintain and grow existing customer base. To develop and maintain a portfolio of important revenue generating client relationships within the defined affluent market segment.
Minimum Requirements
Qualifications
- Matric
- NQF6 - National Diploma
- Finance/Certificate in Banking
- FAIS RE5 Completed within allocated time- lines as prescribed by FSCA
- Recognized as per FSCA Relevant Financial qualification
Experience
- 2 years, Previous Business Banking and Relationship Management Sales experience, with exposure to financial services
Competencies
Knowledge
- Sound understanding of business banking sales
- Customer relationship Management
- Good knowledge of sales and service principles
Technical
- Negotiating skills
- Presentation skills
- Good Communication Skills
- Networking ability
- Ability to sell
Personal
- Own vehicle and valid driver’s license
- Business Acumen
- Attention to detail
- Time management (planning skills)
- Teamwork
- Self-motivated
- Resilient
Duties and Responsibilities
FINANCE
Sales
- To proactively cold call and find new clients for Bidvest to meet the monthly revenue target
- To educate and promoting Bidvest’s full product offering to clients to maximize the revenue that can be generated
- Manage the profit margins through providing clients with comparative information on rates and obtaining the best rates for specific banking products
- Track, control and influence sales activities with the specific aim to increase sales efficiencies of the team.
- Actively grow the client base by agreed target of new acquisitions a month in order to achieve the sales target
Portfolio
- Monitor, track and report on sales activity on a periodic basis and to ensure action is taken to meet sales targets.
- Identify opportunities for cross selling and referrals to other product lines through developing a good understanding of client needs
- New revenue opportunities are identified and customer feedback on product
Risk Management
- Comply with governance in terms of legislative and audit requirements
- Understands clients risk profile and balance for individual clients by optimising product mix
CLIENT CENTRICITY
Client Service
- Correctly anticipating and interpreting the clients’ business requirements in order to get them to bank with Bidvest Bank, sell right product to right client and ability to close deals
- Providing relevant timeous solutions to the client through researching the client’s business in relation to the current economic climate and educating the client on Bidvest’s products
- Providing excellent service that will result in client referrals and new business
- Taking on the role as the primary point of contact for the client, ensuring excellent service
levels and quality to clients to ensure the retention of the client and a long-term working relationship
- Continuous face to face and telephonic interaction with clients in order to pre-empt and proactively address their needs
- Assist the client with innovative ways to gain maximum benefit from the products e.g. offering right product at right time
- Pro-actively manage the review process of clients’ facilities, checking, submitting and motivating the business case for approval to credit and legal departments to achieve renewal in the necessary time period. (Providing all necessary documents)
- Train and assist the client on the necessary systems / processes to deal with the Bank in the most efficient way, client education
- Continual awareness of what is going on in the market and economy to provide relevant advice to the client at all times
- On-boarding – signing up client for first time, following the correct processes in terms of compliance, credit application and obtaining the facility with the relevant internal department
Admin Support
- Provide relevant reports in order to track progress
- Review the client files and ensure client information updated
- Update and manage all client interaction on the CRM system
INTERNAL PROCESSES
Process Management
- Successful relationship building with legal, credit, Internal bankers, back office and Treasury in order to achieve clients’ needs
- Work with legal and credit to ensure that all necessary documents are in place and delivered to clients
- Assist with SARB applications
- Follow up with all parties to ensure that queries are resolved
Training
- Manage own development to increase own competencies
- Ensure all ‘other’ product training is completed, to equip for cross-selling opportunities
- Ensure all Bidevst Bank mandatory training i.e. Anti-Money Laundry is completed
- Training and keep abreast with FICA, PoPI compliance and legislation
- Meet training deadlines as outlined in PDP
- Keeping abreast of Compliance (FICA) requirements
- Knowledge of Banking products and channels
- FAIS compliance
- Understand the sales cycle
WORK CONDITIONS: OFFICE BOUND
go to method of application »
PRIMARY PURPOSE
- The position involves the analysis and investigation of alerts pertaining to possible customer and payment screening matches, transaction monitoring rules and reporting requirements. The Analyst is also required to file applicable reports and recommendations regarding the management of positive matches to the Manager.
- Ensuring compliance with all AML/CFT/PF regulatory requirements including FICA i.e. KYC and the company’s internal processes; policies, procedures and regulations.
TECHNICAL COMPETENCY REQUIREMENT
- Comprehensive knowledge of AML, CFT regulations and principles
- Expert knowledge of key AML Principles
- Strong Analytical abilities
- Ability to exercise oversight, knowledge and understanding of AML policies, procedures, and control arrangements in complex AML operations.
- Knowledge of financial industry products and services.
- Ability to understand and efficiently analyse information from multiple sources and derive insights that identifies key AML risk exposures.
- Ability to work independently and meet deadlines
- In depth knowledge and experience of sanction screening, reporting and customer due diligence.
- Microsoft Office (Advanced Excel skills)
REQUIRED MINIMUM EDUCATION AND TRAINING
- Degree and/or NQF Equivalent in Legal or Audit or Compliance or Risk Management or Commerce
- Money Laundering Control and/or CAMS Certificate preferred
REQUIRED MINIMUM WORK EXPERIENCE
- Minimum 5 years of experience in similar role
- Minimum 3 years' experience in a financial services industry
KEY PERFORMANCE AREA (KPA)
FINANCIAL MANAGEMENT
- Ensure adequate controls are in place to mitigate risk of regulatory fines through timeous submission of reports
- Ensure AML activities are conducted in a cost-efficient manner
- Ensure proper analysis of client profiles in line with AML legislation
CUSTOMER CENTRICITY
- Drive customer centricity within the bank for your respective areas
- Ensure all queries are attended to within agreed turnaround time.
- Analyse and assess business/customer requirements to provide timeous and fit-for-purpose solutions.
- Build and maintain customer relationship.
- Ensure the analysis of customer profiles is handled fairly.
- Stay abreast of customer requirements and trends to ensure enhanced customer value proposition
OPERTIONAL EXCELLENCE
- Regular review of quality of Bidvest bank internal AML monitoring systems.
- Ensure the effective analysis and investigation of alerts and reports pertaining to possible unusual and suspicious transactions or conduct including quality assurance.
- Determine remedial steps required to remediate reporting errors and ensure resubmission.
- Ensure quality outcomes on the customer risk assessment process.
- Conduct investigations and reporting of customers/transactions being the subject of FICA requests and subpoenas.
- Monitoring the conduct and transactions of specified high-risk scenarios and reporting of same when required.
- Continuously test AML system rules and enhancement thereof and communicate test results and program gaps to the Business Units, AML IT teams and the system vendor.
CULTURE AND ENGAGEMENT
- Contribute to making the department a great place to work.
- Promote teamwork (level of teamwork, accountability, delivery, quality & speed of information shared contribution to efficiency and effectiveness of area)
- Make effort to forge and maintain quality inter-personal relationships.
- Take accountability for the achievement to operational objectives within area of control and influence.
- Support and drive the business’s core values.
- Promote the sharing of knowledge.
COMPLIANCE MANAGEMENT
- Ensure the Bank continues to comply with the requirements of AML and CFT legislative requirements.
- Provide guidance to the Bank in complying with AML, CFT policy requirements.
- Monitor the Banks compliance with KYC screening and reporting obligations.
- Ensure reports are filed with the regulatory timeously.
- Ensuring compliance with the FICA requirements, and the company’s internal processes; policies; procedures and regulations.
STAKEHOLDER MANAGEMENT
- Ensure Bank objectives are communicated to all stakeholders.
- Provide support to correspondent banking partners.
- Identify problem areas and ensure corrective action is taken.
- Facilitate liaison with the systems providers to ensure proper understanding of the system specifications, requirements and functions.
- Ensure quality engagement and correspondence with various business partners.
- Build relationship with various teams/functions in the Bank to ensure awareness of system related challenges and speedy resolution.
REPORTING
- Extracting of reports from go AML Message Board and saving in S: drive folders for long term record keeping.
- Daily analysis and investigating of submitted batch and manual report results as received from the FIC.
- Investigation of all failed reports for root cause analysis.
- Filing of Manual CTR’s as and when required.
- Resubmission of remediated reports within prescribed timeframe.
- Compilation of monthly AML metrics for management reporting purposes.
LEARNING AND GROWTH
- Develop and conduct AML Compliance related training
- Coach and deliver on the job training to junior staff.
- Take ownership for driving own career development, as well as that of junior staff.
- Achievement of objectives/milestones set out in the development plan.
- Broaden skills to ensure greater marketability and value within the bank.
go to method of application »
Primary Purpose
To generate revenue for Bidvest by sourcing new clients and proactively managing the account to maximize profitability. To grow and retain a portfolio of high value banking relationships by performing proactive value adding partnership, by providing banking solutions and services to maintain and grow existing customer base. To develop and maintain a portfolio of important revenue generating client relationships within the defined affluent market segment.
Minimum Requirements
Qualifications
- Matric
- NQF6 - National Diploma
- Finance/Certificate in Banking
- FAIS RE5 Completed within allocated time- lines as prescribed by FSCA
- Recognized as per FSCA Relevant Financial qualification
Experience
- 2 years, Previous Business Banking and Relationship Management Sales experience, with exposure to financial services
Competencies
Knowledge
- Sound understanding of business banking sales
- Customer relationship Management
- Good knowledge of sales and service principles
Technical
- Negotiating skills
- Presentation skills
- Good Communication Skills
- Networking ability
- Ability to sell
Personal
- Own vehicle and valid driver’s license
- Business Acumen
- Attention to detail
- Time management (planning skills)
- Teamwork
- Self-motivated
- Resilient
Duties and Responsibilities
FINANCE
Sales
- To proactively cold call and find new clients for Bidvest to meet the monthly revenue target
- To educate and promoting Bidvest’s full product offering to clients to maximize the revenue that can be generated
- Manage the profit margins through providing clients with comparative information on rates and obtaining the best rates for specific banking products
- Track, control and influence sales activities with the specific aim to increase sales efficiencies of the team.
- Actively grow the client base by agreed target of new acquisitions a month in order to achieve the sales target
Portfolio
- Monitor, track and report on sales activity on a periodic basis and to ensure action is taken to meet sales targets.
- Identify opportunities for cross selling and referrals to other product lines through developing a good understanding of client needs
- New revenue opportunities are identified and customer feedback on product
Risk Management
- Comply with governance in terms of legislative and audit requirements
- Understands clients risk profile and balance for individual clients by optimising product mix
CLIENT CENTRICITY
Client Service
- Correctly anticipating and interpreting the clients’ business requirements in order to get them to bank with Bidvest Bank, sell right product to right client and ability to close deals
- Providing relevant timeous solutions to the client through researching the client’s business in relation to the current economic climate and educating the client on Bidvest’s products
- Providing excellent service that will result in client referrals and new business
- Taking on the role as the primary point of contact for the client, ensuring excellent service
levels and quality to clients to ensure the retention of the client and a long-term working relationship
- Continuous face to face and telephonic interaction with clients in order to pre-empt and proactively address their needs
- Assist the client with innovative ways to gain maximum benefit from the products e.g. offering right product at right time
- Pro-actively manage the review process of clients’ facilities, checking, submitting and motivating the business case for approval to credit and legal departments to achieve renewal in the necessary time period. (Providing all necessary documents)
- Train and assist the client on the necessary systems / processes to deal with the Bank in the most efficient way, client education
- Continual awareness of what is going on in the market and economy to provide relevant advice to the client at all times
- On-boarding – signing up client for first time, following the correct processes in terms of compliance, credit application and obtaining the facility with the relevant internal department
Admin Support
- Provide relevant reports in order to track progress
- Review the client files and ensure client information updated
- Update and manage all client interaction on the CRM system
INTERNAL PROCESSES
Process Management
- Successful relationship building with legal, credit, Internal bankers, back office and Treasury in order to achieve clients’ needs
- Work with legal and credit to ensure that all necessary documents are in place and delivered to clients
- Assist with SARB applications
- Follow up with all parties to ensure that queries are resolved
Training
- Manage own development to increase own competencies
- Ensure all ‘other’ product training is completed, to equip for cross-selling opportunities
- Ensure all Bidevst Bank mandatory training i.e. Anti-Money Laundry is completed
- Training and keep abreast with FICA, PoPI compliance and legislation
- Meet training deadlines as outlined in PDP
- Keeping abreast of Compliance (FICA) requirements
- Knowledge of Banking products and channels
- FAIS compliance
- Understand the sales cycle
WORK CONDITIONS: OFFICE BOUND
go to method of application »
Primary Purpose
- To generate revenue for Bidvest by sourcing new clients and proactively managing the account to maximize profitability. To grow and retain a portfolio of banking relationships by performing proactive value adding partnership, by providing banking solutions and services to maintain and grow existing customer base. To develop and maintain a portfolio of important revenue generating client relationships
Minimum Requirements
Qualifications
Minimum
- Matric
- National Diploma – Finance/Certificate in Banking
- RE5
- Ideal
- BCom Finance, Economics, Accounting, Business, Banking
Competencies
- Ability to develop a plan to achieve the sales objectives and targets
- Financial acumen with sound FX business knowledge
- Can demonstrate strong success in new business sales
- Strong communicator, with understanding of sales principles
- Negotiation skills
- Able to establish and build long-term client relationships
- Must have sound Financial Services/FX market knowledge
- Credit assessment and deal structuring skills
- Knowledge of developments in money markets, legislation and statutory requirements
- Experience: 3 to 5 years' experience in Forex or similar role
Duties and Responsibilities:
FX REVENUE & PROFITABILITY
- Plans, initiates and drives sales to achieve sales targets Forex Clients
- Acquire and onboard new customers
- Ensure sales targets and budgets are met
- Contribute to revenue and returns generation
CUSTOMER CENTRICITY AND STAKEHOLDER MANAGEMENT
- Deliver on excellent customer experience aligned to Bidvest Bank services standards
- Achieve NPS customer survey target
- Ensure that client visits are done against agreed target
- Ensure continuous client interaction through face-to-face interaction and telephonic ‘check-in’ with client base
- Ensure client queries are dealt with timeously
- Proactively manage review process of client's facilities
- Train and assist client on relevant systems in dealing with the bank efficiently
- Ensure client onboarding is aligned to internal processes i.e. compliance, credit, internal stakeholder engagement etc.
- Encourage activation of new accounts and proactively offer additional account services
- Ensure all sales leads are submitted and result in agreed % conversion
- Ensure cross-selling opportunities are identified and result in agreed % conversion
- Manage Sales, customers and keep abreast of market indicators
- Manage portfolio through cross-selling of:
- Increase bank revenue by selling right products and services
- Market and promote Bidvest Bank through product cross-selling i.e. ABF, BMS, Trade Finance etc.
- Proactively identify migration and conversion opportunities
- Stakeholder management: legal, credit, Bankers, back office and Treasury in order to achieve clients’ needs
OPERTIONAL EXCELLENCE
- Ensure the receipt and capturing of customer information accurately during the account origination process
- Ensure client onboarding is aligned to internal processes i.e. compliance, credit, internal stakeholder engagement etc.
- Ensure client onboarding process is seamless
- Ensure accurate capturing, updates and amendments of customer information
- At onboarding – face to face
- Is accountable in terms of credit issues pertaining to client portfolio
- Performs KYC verification throughout customer lifecycle
- Assist with SARB and manage applications
- Follow up with all parties to ensure that queries are resolved
PEOPLE MANAGEMENT
- Contribute to teamwork (level of teamwork, accountability, delivery, quality & speed of information shared contribution to efficiency and effectiveness of area).
- Share knowledge and insight with team members and provide mentoring and coaching to build depth of skills and knowledge within the team.
- Provide weekly/monthly sales report to track progress
- Ensure client files are reviewed and updated
- Update and managed all client interaction on CRM
LEARNING AND GROWTH
Personal and Intellectual Capital Development
- Take ownership for driving own career development by preparing own Personal Development Plan and achieving the objectives/milestones set out in the development plan.
- Actively work towards developing knowledge related to compliance and ethical business practices trends and developments, and work towards building own Intellectual Property.
go to method of application »
Primary Purpose
- The Market Risk Analyst is responsible for identifying, measuring, monitoring, and reporting on market risks, including interest rate risk in the banking book (IRRBB) and foreign exchange (FX) risk. The role also involves performing Treasury Middle Office duties, ensuring accurate valuation, limit monitoring, and control of treasury positions. The incumbent supports the development and maintenance of risk measurement models, ensures compliance with regulatory and internal risk frameworks, and provides analytical insights to inform risk management decisions. This role plays a critical part in safeguarding the institution’s financial stability by ensuring that market and treasury risks are effectively understood, measured, and managed.
TECHNICAL REQUIRMENTS
- Sound understanding of risk, control/mitigation and related concepts, together with the interrelationships between these aspects;
- Advanced Microsoft Excel and data analysis skills including VBA
- Strong understanding of risk governance, limits, and control frameworks.
- Written and verbal communication skills
- Regulatory frameworks ( Basel Knowledge).
- Understanding of risk governance, limits, and control frameworks
-
Minimum Requirements
Qualifications
Minimum
- BCom financial management degree or equivalent
Minimum Experience
- 2 - 3 years’ experience in market risk management and treasury middle office management in a banking environment of audit firm industry
Duties and Responsibilities include but not limited to:
FINANCIAL MANAGEMENT
- Monitor market risk capital and RWA efficiency
- Control costs through automation and prioritization
- Integrate risk insights with financial performance (RAROC, stress impacts)
- Ensure budget efficiency — control expenses related to systems, data vendors, and headcount.
- Partner with Finance and Treasury to align P&L attribution with underlying market risk drivers.
- Translate complex risk measures into financial impacts — e.g., how changes in VaR or sensitivities affect earnings volatility.
- Contribute to the ICAAP and capital planning processes with high-quality risk inputs.
CUSTOMER CENTRICITY
- Partner with front office to design risk-aware products
- Translate complex risk metrics into actionable insights
- Enhance transparency and trust through clear reporting
OPERATIONAL EXCELLENCE
Risk assessments
- Identify, assess, and monitor market risk exposures across portfolios.
- Delivering high-quality, timely, and reliable risk insights through efficient processes, robust controls, and continuous improvement — enabling informed decision-making across the bank.
- Streamline data feeds, calculations, and reporting through automation and workflow tools.
- Eliminate redundant manual steps — reduce human error and improve turnaround time.
- Develop standardized templates for recurring analysis (daily VaR, limit monitoring, stress tests).
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Primary Purpose
To assess and process applications for Lending Applications as well as monitor various other collateral functions.
Minimum Requirements
Qualifications
- Banking Diploma /Finance Degree or Diploma
Competencies
- Finance knowledge and ability to read financial statements
- Excellent computer skills in Word, Excel
- Accounting principles
- Good verbal and written communication
- Attention to detail
- Prioritizing
- Quality orientation
- Problem solving
- Organised
- Professionalism
- Confidentiality
- Innovation
- Team Player
- Assertiveness
- Cost conscious
- Motivated
- Ability to work under pressure
- Integrity
- Vision
- Independence
Ideal
Experience
- 3-5 years related experience
Duties and Responsibilities
FINANCIALS
- Assessing, analyzing and interpreting complication financial information
- Completing loan application forms and submitting to loan committees for approval
- Analyze credit data and financial statements to determine the degree of risk involved in extending credit or lending money
- Prepare reports that include the degree of risk involved in extending credit or lending money
- Generate financial ratios, using computer programs, to evaluate customers’ financial status
CUSTOMER CENTRICITY
- Ensures customer service excellence
- Communicate vision and services
- Identify problem areas and ensure corrective action is taken.
- Analysis of the month-end reports to ensure accuracy of data.
- Interprets business/customer requirements to provide timeous solutions.
- Responsiveness: Speed of responses, reaction time, going the extra mile, turnaround time.
REPORTS
- Document Control
- Monthly reporting
- General Reporting
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Primary Purpose
To generate revenue for Bidvest by sourcing new clients and proactively managing the account to maximize profitability. To grow and retain a portfolio of high value banking relationships by performing proactive value adding partnership, by providing banking solutions and services to maintain and grow existing customer base. To develop and maintain a portfolio of important revenue generating client relationships within the defined affluent market segment.
Minimum Requirements
Qualifications
- Matric
- NQF6 - National Diploma
- Finance/Certificate in Banking
- FAIS RE5 Completed within allocated time- lines as prescribed by FSCA
- Recognized as per FSCA Relevant Financial qualification
Experience
- 2 years, Previous Business Banking and Relationship Management Sales experience, with exposure to financial services
Competencies
Knowledge
- Sound understanding of business banking sales
- Customer relationship Management
- Good knowledge of sales and service principles
Technical
- Negotiating skills
- Presentation skills
- Good Communication Skills
- Networking ability
- Ability to sell
Personal
- Own vehicle and valid driver’s license
- Business Acumen
- Attention to detail
- Time management (planning skills)
- Teamwork
- Self-motivated
- Resilient
Duties and Responsibilities
FINANCE
Sales
- To proactively cold call and find new clients for Bidvest to meet the monthly revenue target
- To educate and promoting Bidvest’s full product offering to clients to maximize the revenue that can be generated
- Manage the profit margins through providing clients with comparative information on rates and obtaining the best rates for specific banking products
- Track, control and influence sales activities with the specific aim to increase sales efficiencies of the team.
- Actively grow the client base by agreed target of new acquisitions a month in order to achieve the sales target
Portfolio
- Monitor, track and report on sales activity on a periodic basis and to ensure action is taken to meet sales targets.
- Identify opportunities for cross selling and referrals to other product lines through developing a good understanding of client needs
- New revenue opportunities are identified and customer feedback on product
Risk Management
- Comply with governance in terms of legislative and audit requirements
- Understands clients risk profile and balance for individual clients by optimising product mix
CLIENT CENTRICITY
Client Service
- Correctly anticipating and interpreting the clients’ business requirements in order to get them to bank with Bidvest Bank, sell right product to right client and ability to close deals
- Providing relevant timeous solutions to the client through researching the client’s business in relation to the current economic climate and educating the client on Bidvest’s products
- Providing excellent service that will result in client referrals and new business
- Taking on the role as the primary point of contact for the client, ensuring excellent service
levels and quality to clients to ensure the retention of the client and a long-term working relationship
- Continuous face to face and telephonic interaction with clients in order to pre-empt and proactively address their needs
- Assist the client with innovative ways to gain maximum benefit from the products e.g. offering right product at right time
- Pro-actively manage the review process of clients’ facilities, checking, submitting and motivating the business case for approval to credit and legal departments to achieve renewal in the necessary time period. (Providing all necessary documents)
- Train and assist the client on the necessary systems / processes to deal with the Bank in the most efficient way, client education
- Continual awareness of what is going on in the market and economy to provide relevant advice to the client at all times
- On-boarding – signing up client for first time, following the correct processes in terms of compliance, credit application and obtaining the facility with the relevant internal department
Admin Support
- Provide relevant reports in order to track progress
- Review the client files and ensure client information updated
- Update and manage all client interaction on the CRM system
INTERNAL PROCESSES
Process Management
- Successful relationship building with legal, credit, Internal bankers, back office and Treasury in order to achieve clients’ needs
- Work with legal and credit to ensure that all necessary documents are in place and delivered to clients
- Assist with SARB applications
- Follow up with all parties to ensure that queries are resolved
Training
- Manage own development to increase own competencies
- Ensure all ‘other’ product training is completed, to equip for cross-selling opportunities
- Ensure all Bidevst Bank mandatory training i.e. Anti-Money Laundry is completed
- Training and keep abreast with FICA, PoPI compliance and legislation
- Meet training deadlines as outlined in PDP
- Keeping abreast of Compliance (FICA) requirements
- Knowledge of Banking products and channels
- FAIS compliance
- Understand the sales cycle
WORK CONDITIONS: OFFICE BOUND
go to method of application »
Primary Purpose
To assess and process applications for Lending Applications as well as monitor various other collateral functions.
Minimum Requirements
Qualifications
- Banking Diploma /Finance Degree or Diploma
Competencies
- Finance knowledge and ability to read financial statements
- Excellent computer skills in Word, Excel
- Accounting principles
- Good verbal and written communication
- Attention to detail
- Prioritizing
- Quality orientation
- Problem solving
- Organised
- Professionalism
- Confidentiality
- Innovation
- Team Player
- Assertiveness
- Cost conscious
- Motivated
- Ability to work under pressure
- Integrity
- Vision
- Independence
Ideal
Experience
- 3-5 years related experience
Duties and Responsibilities
FINANCIALS
- Assessing, analyzing and interpreting complication financial information
- Completing loan application forms and submitting to loan committees for approval
- Analyze credit data and financial statements to determine the degree of risk involved in extending credit or lending money
- Prepare reports that include the degree of risk involved in extending credit or lending money
- Generate financial ratios, using computer programs, to evaluate customers’ financial status
CUSTOMER CENTRICITY
- Ensures customer service excellence
- Communicate vision and services
- Identify problem areas and ensure corrective action is taken.
- Analysis of the month-end reports to ensure accuracy of data.
- Interprets business/customer requirements to provide timeous solutions.
- Responsiveness: Speed of responses, reaction time, going the extra mile, turnaround time.
REPORTS
- Document Control
- Monthly reporting
- General Reporting
go to method of application »
Primary Purpose
- To capture and process BOP and IVS reporting, in line with regulatory and compliance guidelines and assist the senior signing official and Manager of department with the effective day-to-day operations in Financial Surveillance, like processing non- complex applications, consultation with Back Office and branches on non-complex matters, capturing data for reporting purposes.
Minimum Requirements
Qualifications
- Grade 12
- Diploma or certificate (ideal)
Experience
- 1 Year foreign exchange experience in a similar environment
Duties and Responsibilities include but not limited to:
FINANCE
Budget
- Provide input into the unit’s budget and manage day to day operations within budget parameters
Cost saving & revenue initiatives
- Minimise personal expenditure
- Process and invoice BOP penalty fees
- Pursue potential cost saving / revenue enhancement initiatives for the Bank and ensure that a precedent/unhealthy trend is not created with very basic applications in relation to Industry norms
Revenue Generation Process and invoice branches and customers for fees on applications or consultations
- Collect application fees from branches and customers timeously
CUSTOMER
Customer Service
- Process queries from branches, back office and internal clients or Bidvest companies regarding Financial surveillance on a less complex basis
- Establish and maintain ongoing conducive Internal Client Relationships
- Maintain relationships with Retail network and Back Office with regards to Financial surveillance matters to be adjudicated for payments
- Ensure that Policies and regulations are adhered to with regard to internal clients
- Communicate any regulatory SARB or SARS or Customs changes to all Departments and provide advice to facilitate decision making on a non-complex basis
Service Excellence
- Provide feedback to internal customers correctly and timeously
- Ensure quality of service delivery as experienced by internal stakeholders
- Interprets business/customer requirements to provide timeous solutions. Going the extra mile for internal customers and ensure turnaround times agreed to in Service level Agreements are adhered to
INTERNAL PROCESSES
Daily Operations within Finance Surveillance Compiling of very basic Financial surveillance applications
- Capture assigned FRS transactions timeously and correctly and verify transactions due for payments in terms of the rulings
- Compile and prepare the exception reporting from SARB for single discretionary allowance, investment allowance, religious transfers for timeous sign off by signing officers
- Process Omnibus and Old TC applications
- Assist senior signing official by verify information and documentation timeously for Emigration processes
Financial Surveillance Reporting
- Capture, and change FRS (Financial surveillance system) reporting to ensure it is timeous and correct in terms of the FRS specifications on the SARB website
- Report any rejections or corrections from the Branches and Back Office via Merlin and Opics to SARB
- Capture import transactions and reconciliate documents from clients and submissions to Reserve bank from branch and back office level IVS (Import verification System), contact clients for outstanding documents on imports
- Keep abreast of industry developments and changes in the Exchange Control Rulings and Regulations to guide bank staff and internal customers accordingly
Assisting Head Of Surveillance and Senior Signing Official
- Limiting the Financial and reputational risk in the Department through daily verification of incoming and outgoing documentation and payments to ensure adherence with the rules and regulations
- Feedback to applicable staff to ensure that the required departments apply correct procedures identified
- Continuously aim to Improve processes, turnaround times and controls within the department
Process management
- Raise & discuss any issues regarding system / process weaknesses as identified for compensating internal systems & controls to be implemented
- Feedback to applicable staff to ensure that the required departments apply the correct procedures identified
LEARNING AND GROWTH
Training
- Financial Surveillance courses, FICA, AML
- Take ownership for driving own career development areas
- Preparation and signing off of personal development plan
- Achievement of objectives/milestones set out in the development plan
WORK CONDITIONS: OFFICE BOUND
Method of Application
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