Job Vacancies at Bidvest Bank

PRIMARY PURPOSE

• The successful incumbent will be responsible for handling and building strong relationships with the Bank customers through inbound telephonic, online and email communication /interaction with Bidvest Bank Clients.
• Ensures the quality of service exceeds customer expectations and establishes constructive relationships with Client base.
• Utilises IT system accurately and ensures that all queries are answered effectively. Refers calls to appropriate departments only if unable to solve query appropriately. Provides accurate product information to clients in line with predetermined Bidvest Bank processes, standards and protocols.

MINIMUM REQUIREMENTS

REQUIRED MINIMUM EDUCATION AND TRAINING

• Matric
• RE 5
• FAIS recognized qualification or equivalent is preferred

REQUIRED MINIMUM WORK EXPERIENCE

• 1 - 2 years relevant experience in a Customer Contact Centre environment
• Proficient in relevant computer applications (Ms Office)
• Knowledge of customer service practices and principles

TECHNICAL COMPETENCY REQUIREMENT

• Knowledge of regulations and compliance function related to FAIS and FICA Act.
• Ability to provide customers with service, support and improvement opportunities to increase their consumption of a product or service and
• maximise retention, cross-sell and upsell opportunities within the customer base.
• Excellent communication - able to follow the Customer Contact Centre scripts and calm irate customers down
• Service Excellence - dealing with customers regarding potentially complex
• financial / emotional situations and ensuring that situations are effectively resolved to the benefit of the business and the customer without escalation to team leader.
• Ability to connect with the Customer, understand their needs and design a solution bringing together wide variety of services.
• The ability to connect, build relationships and communicate information relevant to the stakeholder groups depending on their level of work in the organisation.
• The ability to handle queries effectively and formulate appropriate responses.
• Understanding of the Bank’s products to accurately, persuasively and effectively communicate with customers about the product, its features, benefits, uses, and support needs. This enables one to identify cross selling opportunities and respond to customer queries.

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PRMIARY PURPOSE

• Support the FX desk in executing trades, managing client requests, and maintaining operational accuracy. Provide high-quality service to internal and external clients while developing technical and market knowledge to grow into a full dealer role.

TECHNICAL COMPETENCY REQUIREMENT

• Maximise non-interest income from Foreign Exchange Trades in accordance with budget.
• Manage Net Open Position within the approved parameters
• Remain abreast of financial market developments
• Maintain strong relationships with bank and non-bank liquidity providers
• Deliver a professional FX experience to existing and new customers
• Ensure all FX trading desk procedures and processes are in place and complied with
• Understand and keep abreast with regulations such as FICA, Exchange Control Rulings, AML and FX Global Code
• of Conduct
• Collaborate with stakeholders to develop infrastructure to enhance customer experience

REQUIRED MINIMUM EDUCATION AND TRAINING

• ACI Dealing Certificate/ ACI operations certificate (preferably BCom or similar)
• Fais RE5
• Good MS Office skills, especially Excel

REQUIRED MINIMUM WORK EXPERIENCE

• 2 – 5 YEARS FX Trading
• Service Orientation
• Client Orientation
• Problem Solving
• Professionalism
• Interpersonal skills
• Results focused
• Analytical
• Maths and good excel skills
• Goal and results driven
• Creative and lateral thinking as well as an intellectually curious mind
• Ability to structure complex tasks in a goal-oriented way and deliver innovative solutions under tight timelines

KEY PERFORMANCE AREA (KPA)

FINANCIAL MANAGEMENT

• Maximize revenue from FX flow
• Accurately record all Retail network reversals and reporting on all dealing room calls.
• Provides efficient quick service to retail network and clients of the Bank
• To engage in financial market transactions.
• Maintain Spot and Forward book and Profit/Loss thereof
• Ensure all voice and execution instructions are adhered to within the Bank’s pre-set trading limits
• Constantly monitor and react to all NOP risk exposure, breaches therein and break even
• Manage the FX risk of the Bank effectively and prudently
• Ensure stop losses are set and adhered to
• Record all foreign exchange transaction correctly.
• Ensure all FX related incidents are accurately and timeously logged on the Bank’s incident portal
• Assist the Bank’s clients in understanding foreign currency markets
• Continual monitoring of all FX positions
• Ability to successfully execute all cross-currency buys, sells.
• Ability to accurately calculate the Bank’s NOP, break even, P/L
• Measure and monitor trader’s exposures in real time for every currency pairing
• Ensure trader’s limits are within respective mandates, ensure mandate is not exceeded.
• Ensure correct cost to market exposures by high lighting losses on spot deals
• Losses and exceptional FX deals to be flagged and reported
• Assist retail, personal and business banking with ensuring that corporate and branch spreads are locked in for all channels of the Bank.
• Ensure batch process does not contain any false or incorrect rates and data.
• Monitor repeat offenders of reversals

CUSTOMER CENTRICITY

• Manage internal and external client portfolio ensuring banks TCF is adhered to as well as all round client satisfaction in line with BB policies and standards
• Excellent client service branch network
• Successful relationship building with relevant departments.
• Manage and resolve queries promptly and effectively
• Providing accurate rates to clients
• Assessing branch needs and processing reversals
• Update all reversal records
• Successful relationship building with relevant departments.
• Manage and resolve branch queries promptly and effectively
• Providing accurate indicative rates.

OPERATIONAL EXCELLENCE

• Complete assigned work efficiently and in an organized manner within an established time frame.
• Complete objectives and see tasks through to the end while taking into consideration current responsibilities and workload.
• Keep records of all work done and can easily provide information required.
• Maintain detailed written performance documentation that needs no explanation.
• Record all transactions promptly and accurately on the relevant system in compliance with banks procedures
• Work according to documented policy and procedure to ensure that all necessary documents are in place and client's information and transactions are correct
• Contribution to teamwork ensuring accountability, delivery, sharing information and effectiveness of the area.
• Ongoing query management and escalation if necessary

PEOPLE LEADERSHIP

• Always be cordial and willing to help coworkers, students, and clients. Enthusiastic, energetic and display positive behaviour.
• Have ability to explain and teach - Inspire others to do better.

DATA MANAGEMENT

• Ability to access, analyse and present it in a manner that can be received by audiences

STAKEHOLDER MANAGEMENT

• Strong Stakeholder relationships.
• High client retention, acquisition of new clients through referrals, and overall bank success.

REPORTING

• Accurate financial statements, trade execution reports, risk exposure reports, and compliance documentation.
• Performance and other reports that are generated and distributed within established deadlines.

LEARNING AND GROWTH

• Personal investment to ensure professional development, identifying areas for improvement, and measure progress over time.
• A strong commitment to learning and growth, which can lead to enhanced trading performance, adaptability to market changes, and long-term success in the FX trading industry.

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PRIMARY PURPOSE

• Are you a visionary finance leader ready to shape the future of Business and Personal Banking?
• We’re looking for a dynamic Head of Finance to drive strategic financial performance, enable growth, and deliver value across our banking portfolios. This is a pivotal role for a purpose-driven leader who combines deep financial expertise with commercial acumen.
• You will be accountable for Partnering with the Business and Personal Banking division, responsible for finance strategy, business performance, financial planning and analysis.
• Includes the development of a financial and operational strategy as well as business cases on new initiatives. The role manages staff members with both nationally and regional reporting.
• The role is part of the senior management team. Setting the strategy together with the executive member for Business and Personal banking is key to this role.

KEY PERFORMANCE AREAS

FINANCE

Strategic Finance

• Oversee the process for business case within customer solution for new initiatives.
• Oversee pricing models within customer solution in order to support strategic pricing decisions.
• Support new initiatives within customer solution.
• Support and manage strategic planning on all businesses within customer solution

Business Performance

• Ensure all mandatory reporting for customer solution is done accurately and timeously
• Participate in key decision as a member of the executive management team within customer solution
• Manage any third parties to which functions have been outsourced
• Maintain in-depth relations with all members of the management team

Financial planning & Analysis

• Oversee financial planning for all business units in customer solution, working close to all business units internal and external
• Support any bank executive discussion on performance on business unit

Stakeholders

• Deliver credible and effective stakeholder relationships
• Ensure the creation of partnership with business owners

Financial Operation

• Oversee financial operation participate in key financial operational decision of the bank

OPERATIONAL EXCELLENCE

Strategic Finance

• Oversee that all models have been updated and maintain by team members
• Oversee all pricing discussion and ensure that suffusion models have been use by team members

Business Performance

• Oversee all business performance information. Ensure that information is relevant and that information can be used to drive performance within the business.
• Use information to drive performance within customer solution

Financial planning & Analysis

• Oversee financial planning and analysis process within customer solution

Financial Operation

• Oversee that financial operation is done correctly to minimize the risk to the business
• Managing end to end finance for customer solution including direct and indirect reports on a daily basis

LEARNING AND GROWTH

• Training of Subordinates
• Ensure multi-skilling takes place within the team and employees receives exposure in all areas of the function based on skill set and capabilities
• Arrange training and development exposure in line with identified development areas of employees and encourage employees to take ownership of professional development
• Coaching and mentoring

REQUIREMENTS

Qualifications: ACMA / CA (SA) ACMA/ CA(SA) plus Masters qualification

Experience:

• 10 Year plus in Financial position within Banking
• Experience partnering with business unit - Divisional head
• 5 year plus experience within Personal, Business banking and Card.
• At least 5 years Management experience
• Experience as a divisional head or divisional CFO.

Knowledge, Skills and Abilities Required

• Knowledge and understanding of the complexities involved in Financial within payment systems
• Expert knowledge – Accounting Principles , management Internal policies and procedures
• Ability to operate effectively under pressure
• Financial acumen
• Management and leadership skills
• Attention to detail
• Excellent communication skills.

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PRIMARY PURPOSE

• Manage and control the overall Bidvest Bank, customer, vendor and partner sales & service function within the Acquiring/Merchant Services business unit. Ensure business is done in accordance with applicable legislation and internal policies and procedures.
• Provide the targeted customer base with product and service solutions across all Acquiring Merchant products and channels, ensuring seamless client onboarding, ongoing service delivery, and strategic relationship development. Work closely with partners and vendors to create mutually beneficial arrangements to increase profitability.
• Manage a team of sales and service specialists, including admin support, to proactively deliver on set sales targets and client service SLAs. Ensure both the operational and customer experience aspects of the business are optimized. Control and maintain product and operational risks and maintain superior service standards across the unit.

TECHNICAL COMPETENCY REQUIREMENT

• Financial Acumen: Ability to evaluate the financial impact of both sales and service decisions on the organisation's income, profitability, and long-term sustainability. Applies financial insight to pricing, deal structuring, cost efficiency in service delivery, and overall client profitability.
• Business Development: Uses economic, financial, industry, and internal business data to identify new merchant sales opportunities, assess service enhancements, and build strategies that address clients’ pain points, unlock growth, and deepen client relationships.
• Sales Strategy Execution: Ability to implement, monitor, and optimise a structured sales strategy focused on new client acquisition, cross-selling, and retention — with seamless handovers to service teams and shared KPIs across the customer lifecycle.
• Client Engagement & Relationship Management: Proactively builds and maintains long-term, value-based relationships with clients by ensuring consistent, high-quality interactions across both sales and service touchpoints. Supports a collaborative, multi-touchpoint approach to customer lifecycle management.
• Trend Management & Data Analysis: Analyses internal and external data (e.g. sales trends, service incidents, market shifts) to identify patterns, risks, and opportunities. Uses these insights to adapt strategies that enhance both business development and service delivery.
• People & Team Management: Manages the performance, morale, and development of integrated sales and service teams. Allocates resources effectively, facilitates coaching on products and client handling, and drives collaboration to meet both revenue and service quality targets.
• Devise Sales & Service Solutions: Develops innovative, end-to-end solutions that consider both pre-sales engagement and post-sales support. Tailor's offerings to client needs while aligning with delivery capacity and service SLAs to ensure long-term satisfaction and retention.
• Service Level Management: Understands the strategic importance of adhering to SLAs and service standards. Implements systems to track, manage, and improve turnaround times, query resolution, and customer satisfaction, while maintaining a commercial lens on service delivery costs.
• Effective Communication: Communicates confidently and clearly across all levels of the organisation — including clients, frontline staff, executives, and external partners — ensuring alignment in expectations, feedback, and solutions delivery.

REQUIRED MINIMUM EDUCATION AND TRAINING

• Degree and/or Diploma in a Business-related field

REQUIRED MINIMUM WORK EXPERIENCE

• Up to 8 years plus experience in the payments and/or banking industry, preferably with acquiring, card and/or merchant experience
• Payment's knowledge both within the issuing and acquiring environments
• Customer focused understanding the sales dynamics and targets
• Knowledge of Visa & Master Card settlement & payment processes

KEY PERFORMANCE AREA (KPA)

FINANCIAL MANAGEMENT

• Implement the agreed strategy and business plan to the Bidvest Bank, medium to large corporate company sector in the Acquiring Merchant Services space
• Develop and manage budgets and forecasts for the sales & relationship function, based on strategic requirements
• Manage and control costs and income in-line with departmental and bank budget expectations
• Ensure the function achieves the sales target through strategically selling and cross selling merchant acquiring solutions, in-line with the strategy approach and business plan
• Pro-actively ‘cold call’ and identify ‘new’ clients for Bidvest Merchant Services, in order to meet set monthly and annual revenue targets
• Ensure the correct solution is presented to clients
• Structure deals/transactions
• Recommend acquiring solutions to meet customer needs & requirements

CUSTOMER CENTRICITY

• Interpret business/customer requirements and address customer queries and challenges to provide timeous solutions
• Grow and manage the existing customer base through performing a needs analysis of customer current product usage and finding opportunities to offer diversified products, upselling and cross selling different options that add value to the client
• Correctly anticipate and interpret customers’ business requirements to provide relevant and timeous solutions (research the client’s business, in order to be prepared and add value to the solutions provided)
• Take-on the role as the primary point of contact for the client, ensuring excellent service levels and quality to customers 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, review and proactively address their needs
• Drive new business through utilizing avenues through team networks with other Bidvest companies and strategic dealerships
• Drive sales enablement so the team can engage new clients, assisting them with cold calling, listen to calls, coach and mentor staff where necessary

OPERATIONAL EXCELLENCE

• Ensure on-going strategic initiatives are evaluated, interpreted and implemented in maintenance of an effectiveness of the sales & relationship function within Merchant Services
• Ensure all statutory and business reporting are executed on within predetermined deadlines (monthly, quarterly and/or annually), in-line with all the relevant regulations and the Bank’s internal policies and procedures
• Challenge operations and maintenance department to challenge rates

PEOPLE LEADERSHIP

• Monitoring and managing the deliverables, output and performance of subordinates within the sales teams
• Develop talent by facilitating cross training, developing, coaching, mentoring & growing individuals & teams within the acquiring environment
• Encourages career advancement
• Follow-up on disciplinary procedures and any other matters relating to subordinate behaviour and activities
• Ensure effective training & development practices exist in the BU and that continuous learning is fostered
• Mentor staff by going with them to clients, assisting them with solutions and closing deals
• Accountable for providing an environment in which employees can apply what they have learned
• Support & reinforce the application of newly acquired skills
• Reward the application of newly acquired skills & knowledge
• Foster a climate of continuous learning
• Ensure training is a part of employees' daily routine & encourages them to tap into the knowledge of their colleagues & to set performance improvement goals
• Manage day-to-day staffing requirements, issues and performance

GOVERNANCE and COMPLIANCE

• Draft, implement and maintain applicable policies, procedures and guidelines to ensure optimal functioning of the sales business units
• Define, develop and implement necessary procedures in conjunction with current procedures, to ensure that risk is minimised with all sales areas
• Conduct research of various industries, best practice methodologies and changes in markets thereby identifying risk to adjust areas in the business timeously
• Adherence to legislation and regulatory requirements

STAKEHOLDER MANAGEMENT

• Develop and maintain relationships with all internal stakeholders, partners and vendors, in order to deliver acquiring services
• Maintain external relationships to ensure Merchant Services meet the required service standards
• Interact with other areas of the bank in acting as a catalyst in driving the changed initiatives in ensuring compliance with agreed risk parameters as set out in the overarching all bank’s strategy
• Ensure that all advise given harnesses the Bidvest brand
• Limit any reputational risk of the Bidvest brand

REPORTING

• Oversee the Reporting function within predetermined deadlines.
• Reporting monthly sales progress through MANCOs, sales meetings or as requested

LEARNING AND GROWTH

• Take ownership for driving own career development
• Preparation and signing off, of Personal Development plan(s)
• Achievement of objectives/milestones set out in the development plan
• Development of knowledge base and Intellectual Property
• PDP plans and performance discussions
• Keeping abreast of Compliance (FICA & FAIS) requirements, Consumer Protection Act, Anti Money Laundering, etc.
• Up-to-date knowledge on tax, environmental conditions

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PRIMARY PURPOSE

• To provide a front-line service to our customers, utilising knowledge of the Fleet and Asset Division’s service offering. To ensure operational requirements of client base is satisfied accurately and timeously as laid out by the policies and procedures.

KEY PERFORMANCE AREAS

FINANCE

• Minimise SLA service credits to maximize profits.
• Management of fuel usage on contracted drivers.
• Efficiency, cost saving initiatives. Minimize operational losses.

CUSTOMER CENTRICITY

• Client requests to be met timeously and reaction times met.
• Ensure follow ups with suppliers are done daily.
• Turnaround times met with positive attitude, compassion and willingness to assist.
• Achieve 100%
• Achieve certificate award

OPERATIONAL EXCELLENCE

• Complete registers and follow process on handing out new units.
• Complete VIRs accurately and capture onto systems
• Co-ordinate collection of terminated units and administration of deactivation of fuel card, e-tags, tracker and decal removals.
• Ensure all relief incidents assigned to you are dealt with as per timelines in the SLA.
• Manage daily stock and relief pool fleet utilisation
• Ensure all fuel cards, e-tags and license renewals are delivered timeously.
• All incidents to be resolved timeously according to SLA and be kept to a minimum
• Manage the open incidents for major and minor tasks.
• Action new or deleted driver tag reports.
• Ensure units are booked for service and incidents are closed.
• Scrutinise vehicles after being repaired at panel beaters for quality workmanship.
• Liaison with Customer Insurance and panel beaters on scheduling repair, collection of vehicles and turnaround times.
• Manage and report on driver behaviour using Telematics including reports requested by Customer Forensic Auditors
• Identify and manage high and low utilisation vehicles by scrutinising reports and manage under and over vehicle swops
• Complete ad hoc projects as requested by branch manager
• Assist with administrative duties (licensing, courier, stationary etc.)
• Ensure that vehicles are scheduled for maintenance in accordance with OEM specifications
• No overdue vehicles for service
• Manage car wash suppliers
• Perform checks at customer depots
• Manage and safeguard spare keys and control register
• Manage productivity and allocation of outsourced drivers
• Manage EOC process including NOLA and stock control on behalf of VTC
• Responsible for branch OHSA and act as safety officer
• Manage premises and relationship with landlord, suppliers and outsourced staff
• Manage report and ensure that there are no exceptions
• All vehicles to be inspected within customer SLA requirements
• Program driver tags as and when required and assist to deliver the tags to the driver within SLA stipulations
• Manage and resolve quality control issues

LEARNING AND GROWTH

• Take ownership for driving own career development
• Achievement of objectives/milestones set out in the development plan
• Development of knowledge base and Intellectual Property
• Broaden skills to ensure greater marketability and value within the bank
• Contribute to teamwork in the department
• Maintain inter-personal relationships
• Willingness to assist others and sharing knowledge
• Maintain a positive attitude, drive and motivate staff
• Manage one’s own emotions (i.e. handling stress in a manner that does not disrupt the team effectiveness).
• Clear and efficient feedback on matters affecting people’s work to all levels of staff (upward and downward communication)
• Take ownership for driving own career development
• Achievement of objectives/milestones set out in the development plan
• Development of knowledge base and Intellectual Property
• Broaden skills to ensure greater marketability and value within the bank

REQUIREMENTS

Qualifications

• Matric with Fleet Administrative experience / Diploma in Fleet Management
• Diploma in Road Transport Management

Experience

• Previous client relationship management
• 1 – 3 years’ experience within the Fleet industry, preferably within Leasing Environment
• Microsoft Office
• System Proficient

Knowledge, Skills and Abilities Required

• Reasonable knowledge of vehicles
• Control and manage flow of work
• Energetic – get involved in the job and meet objectives
• Analytical – pay meticulous attention to detail
• Discipline – meet deadlines and punctual
• Resilient – manage pressure, adaptive to a changing environment
• Optimistic and cheerful – working with a team one needs to remain bright and cheery and encourage innovation and forward thinking
• Incumbent to exercise judgement within defined parameters
• Great interpersonal skills
• Computer literacy skills
• Good knowledge of FML service, legislation, policies and procedures
• Ability to manage pressure on a day-to-day basis
• Excellent communication skills (both verbal and written

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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

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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.

KEY PERFORMANCE AREAS (KPA’s)

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 Management

• 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

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

REQUIREMENTS

Qualifications

Minimum

• Matric
• National Diploma – Finance/Certificate in Banking
• BCom – Banking, Finance, Commercial
• RE5 – completed within allocated time

Experience

• Previous sales experience, with exposure to financial services
• At least three years + of sales experience in a business banking and/or financial services industry Account management

Knowledge, Skills and Abilities Required

Knowledge

• Sound understanding of banking sales
• Customer relationship Management
• Good knowledge of sales principles

Technical Competencies

• Negotiating skills
• Presentation skills
• Good Communication Skills
• Networking ability
• Ability to sell

Personal Competencies

• Own vehicle and valid driver’s license
• Business Acumen
• Attention to detail
• Time management (planning skills)
• Teamwork
• Self-motivated
• Resilient