Job Vacancies at Bidvest Bank

Primary Purpose

Maintenance of existing applications and development of new applications.

Qualifications

Minimum Requirements

• National Diploma (Computer Programming or similar)

Experience

• 7+ years' experience in Systems design, development and implementation

Competencies

Technical

• C# Microsoft.Net
• SQL Server
• MVC / ASP.Net
• WCF / WebAPI
• Entity Framework
• Problem Solving
• Unit Testing
• HTML / JavaScript
• Angular
• Team Foundation Server / VSTS / Azure DevOps
• .Net Core

Behavioral

• Attention to Detail
• Time Management
• Teamwork
• Initiative
• Adaptability
• Conformity
• Communication

Ideal

Qualifications

• BSc Information Technology or Computer Science
• MCSD (Microsoft Certified Systems Developer)
• Azure certifications

Competencies

Technical

• K2 Blackpearl
• Mobile Development
• WPF
• SQL Server Reporting Services
• OpenAPI design principles
• Azure cloud
• Auzure API Management
• Working with monitoring tools
• Firebase

Duties and Responsibilities

CUSTOMER CENTRICITY

Service excellence

• Levels & quality of service delivery as experienced by internal & external stakeholders.
• Interprets business/customer requirements to provide timeous solutions.
• Responsiveness: Speed of responses, reaction time, going the extra mile, turnaround time
• Degree of customer satisfaction from customers
• Attend to change of applications and reports.
• Trouble-shoot and fix problems with applications and processes.

OPERATIONAL EXCELLENCE

Systems Development

• Develop and maintain systems in terms of quality, proper documentation, as well as conformance to Enterprise architecture plan.
• Delivering developmental efforts on time.
• All developmental efforts must be concluded within the Change Control process.
• Adhere to coding standards
• Adhere to source control policies & guidelines
• Improving coding standards

LEARNING AND DEVELOPMENT

Contribution to Teamwork in Department

• Contribution to making the department a great place to work
• Contribution to teamwork (Level of teamwork, accountability, delivery, quality & speed of information shared,
• contribution to efficiency & effectiveness of area.
• Effort to forge & maintain quality inter-personal relationships.
• Take accountability for the achievement of operational objectives within own area of control
• Support and drive the business's core values
• Maintain a positive attitude and drive
• Promote harmony and teamwork
• Promote the sharing of knowledge
• Show willingness to help others
• Open to feedback and constructive criticism of performance
• Assist support staff in resolving helpdesk calls
• Receiving ad-hoc requests from internal as well as external parties and then responding appropriately

Personal and Intellectual Capital Development

• Take ownership for driving own career development
• Development of knowledge base and Intellectual Property
• Stay abreast of the current and forthcoming technologies

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The successful candidate will provide expert advice to internal and external stakeholders with respect to pricing, maintenance plans and new business acquisitions. This should lead to improved customer satisfaction and profitability for the bank and continuously monitoring and adapting to pricing trends in ensure the bank pricing model remains competitive.

Overall, the candidate plays a key role in driving the bank's success and growth by leveraging on pricing acumen and industry knowledge to inform strategic decision-making and drive operational excellence.

Minimum Requirements

• REQUIRED MINIMUM EDUCATION AND TRAINING
• BCom degree, Maths degree or equivalent

Required Minimum Work Experience

• Minimum: 2 years' previous experience in Fleet Pricing
• Ideal: Thorough understanding of operations in a bank with 4+ years' experience in similar industry (fleet) and role (pricing)
• TECHNICAL COMPETENCY REQUIREMENT Strategic Planning: Ability to implement pricing strategies that align with the bank's overall business objectives and drive growth.
• Pricing Analysis: Ability to understand and efficiently analyse information from multiple sources and use pricing models for customer profitability for the bank. Analysing market dynamics, pricing trends to inform strategic direction to the pricing policy.
• Pricing: Knowledge of fleet pricing principles and practices, and ability to apply them to the pricing models. Strong analytical skills and numerical ability.
• Pricing Models: Ability to design and implement pricing metrics to meet the bank's required return on investments.
• Digital Modelling Tools: In today's fast-paced and digitally driven world, a Pricing Specialist should have a solid understanding of digital modelling tools and technologies. This includes proficiency in data analytics, data visualization, and software, as well as an understanding of emerging technologies. Ability to use data analytics tools and techniques to analyse pricing input data and generate best pricing model for the customer and the bank.
• Investment Management: Ability to manage the bank's asset investment portfolio, including selecting investments, monitoring performance, and ensuring compliance with investment policies.
• Risk Management: Ability to assess and manage financial risks, such as credit risk, market risk, and operational risk.
• Regulatory Compliance: Understanding of regulations and compliance requirements that guard the fleet business, and ability to ensure that the bank is meeting these requirements.

Duties And Responsibilities Include But Not Limited To

• Pricing
• Strategic Pricing
• Develop investment appraisals for strategic growth within the Business.
• Develop pricing models to ensure customers are profitable.
• Ensure market related input data is used on the pricing models by using latest rates and prices when modelling quotes.

Management of Activities

• Plan, allocate and evaluate workload.
• Evaluate, and organize information for action.
• Assist in developing and implementing standard procedures and policies.
• Understand how the function impacts on business results

Pricing

• Coordinating and formatting all relevant information for decision making.
• Monitoring pricing trends to inform strategic direction to the pricing policy.
• Managing pricing change implementation.
• Identify and exploit new pricing opportunities/ innovations to grow the business further.
• Construct methodologies to enhance effectiveness of pricing policies.

CUSTOMER CENTRICITY

• Service Excellence
• Quality of service delivery as experienced by internal & external stakeholders.
• Interprets business/customer requirements to provide timeous solutions.
• Speed of responses, and timeously meeting all deadlines.
• Output results from "client servicing" activities. Includes value of advice to stakeholders.

Insights

• Provision of quality insightful and analytics
• Assisting the sales and customer management team with proposal development.
• Unpack the makeup of input or rates to clearly articulate what works or does not work and clarity of action.
• Consider global conditions, as well as competitor activity to create competitive advantage

Productivity

• Performing margin and pricing analysis to support business.
• Reviewing comparative pricing data, including wins and losses due to price.

Business Partnering

• Ensure customer service excellence.
• Communicate vision and services.
• Identify problem areas and ensure corrective action is taken.
• Create and maintain effective working relationships with stakeholders.

OPERATIONAL EXCELLENCE

• Robust control environment
• Contribution to making the department a great place to work.
• Contribution to teamwork (Level of teamwork, accountability, delivery, quality & speed of information shared, contribution to efficiency & effectiveness of area).
• Take accountability for the achievement of operational objectives within own area of control.
• Ensuring all pricing metrics and files reflect the latest market prices and rates.
• Clean audit
• Clean audit report & no repeat audit findings

Automation

• Identify repetitive processes and reimagine the process. Eliminate manual work arounds to improve turnaround time of delivery of customer pricing.
• Practical Implementation/Solving common problems jointly
• Drive allocated or participate meaningfully in reporting projects (automation and proof of concepts). Key is to be an active participant in cross-functional projects that have a pervasive impact.

LEARNING AND GROWTH

• Training
• Keeping abreast of own development and ensure exposure is gained based on development areas.
• Share acquired knowledge with peers.

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Primary Purpose

Responsible for achieving Acquiring & Merchant Sales targets for the relevant region, Inclusive of cross-selling of all other banking products & services, in order to ensure continuous customer & product growth.

Managing relationships with customers & potential customers, including BB Group Company, Group Company reach, third party processors, partners & stakeholders.

Training of new customers and staff on acquiring payment processing methods / procedures, equipment & devices.

Minimum Requirements

QUALIFICATION

• Matric or equivalent qualification
• Degree / Diploma in Business related field (Ideal)

Experience

• 5 years' experience in the payments and / or banking industry, preferably with acquiring, card and / or merchant experience
• Payments knowledge both within the issuing and acquiring environments
• Customer focused
• Understanding the sales dynamics and targets (Ideal)
• 5 to 10 years in the payments and / or financial industry, preferably with acquiring (card) and / or merchant experience (Ideal)

Duties And Responsibilities Include But Not Limited To

FINANCE & OPERATIONS

• Identify acquiring & merchant sales opportunities and offer solutions appropriate for the merchant's requirements, goal & objectives by applying the tools which outlines the products merchants currently have and the propensity for new product take-up, in order to continually grow the customer base
• Understand the complexities & dynamics of the sales acquiring / merchant targets, achieve and exceed these consistently
• Adopt a commercial approach to appropriate cost-to-service, versus value generation to achieve the agreed business turnover and other revenue targets
• Achieve and exceed the agreed merchant service fee targets by negotiating additional charges, pricing and any other applicable fees relevant to the product / solution presented to and sold to the merchant and / or prospective merchant
• Participate in the design and execution of the respective Regional Sales plan, to ensure that targets are delivered through ‘cross-selling' and in order to grow the organisation's customer base
• Action and manage all sales leads received from potential merchants, as well as all internal business partners within the agreed service level agreements and turnaround times, end-to-end
• Negotiate pricing, complete & sign new merchant and other related agreements prior to implementation
• Execute on the Regional Sales plans by ensuring an increase in the percentage of customers taking merchant acquiring solutions by conversion of qualified leads into sales by selling offers, which benefit the merchant, as well as the organisation
• Achieve sales (new business & existing growth), that will establish BB Merchant Services & Customer Solutions as a ‘centre-of-excellence' for sales execution across the organisation's targeted markets
• Continuously keep abreast of the latest developments and trends with regards to customer expectations and service delivery
• Recommend payment solutions (POS, e-commerce & Integrated Payment Gateways), based on projections of the volume and monetary amount of daily transactions and the demographic environments being serviced / served
• Monitor effectiveness of Regional Sales campaigns to ensure delivery thereof and implement remedial improvements for future campaigns if, where & when required
• Work closely with internal & external business stakeholders / partners, to ensure that the sales execution delivers on ‘best-in-class' products, services & support
• Monitor individual sales performance on a daily / weekly /monthly / quarterly & annual basis and provide feedback to management in how to improve performance
• Ensure management is regularly up-dated on sales activities, pipeline prospects and pending deals via regular and agreed call & activity reports, as well as weekly sales performance & feedback reports

Create and execute opportunities and prospects for new business, by working through potential customer lists and find new innovative ways of selling other than via the normal channels

• Review national competitor information, market trends on a regular basis and propose solutions to management to ensure that BB Merchant Services & Customer Solutions always offer a competitive product
• Research and present recommendations to introduce improved products and / or customer offer(s)

PROCESSES & PROCEDURES

• Adhere to the laid down sales processes & procedures within the BB Merchant Services & Customer Solutions frameworks / parameters
• Complete new applications and ensure that process is finalised within the agreed service level turnaround times with a continuous follow-up on progress of outcomes, end-to-end
• Continually add value to the BB Merchant Services & Customer Solutions team, with on-going feedback and market related information & intelligence
• Understand and conform to the content of the organisations policies & procedures with specific reference to the vehicle, travel & mobile policies

TEAMWORK

• Maintain a positive attitude, drive and promote the sharing of knowledge & experience and remain open to constructive feedback and criticism of performance
• Interact closely with various members of the supporting and operational environments to ensure that requirements and expectations of customers are met at all times – be a team player
• Contribution to level of teamwork, accountability, delivery, quality & speed of information shared, contribution to efficiency & effectiveness of the environment
• Effort to build & maintain quality inter-personal relationships
• Respond openly to feedback and promote harmony and teamwork in the sales team
• Contribute to teamwork in department by managing stress in a manner that does not disrupt the team's effectiveness
• Support and drive the business's core values
• Take accountability for the achievement of operational objectives within own area of control
• Continuous development of the knowledge base and intellectual property
• Contribute to making the department a great place to work

CUSTOMER & RELATIONSHIP MANAGEMENT

• Improve key relationships and change the acquisition methodology with internal business partners / stakeholders
• Identify stakeholder requirements and expectations, in order to develop effective stakeholder / partner engagement plans
• Continuously relationship manage all merchants in the respective region and ensure that an effective and efficient relationship model remains in place, in order to retain merchants within the allocated portfolio
• Meet and attend to internal & external meetings if, when and where required
• Engage with the business partners / stakeholders with the direct aim of promoting the value proposition of BB Merchant Services & Customer Solutions
• Take & accept primary responsibility for merchant satisfaction through excellent service delivery, by ensuring that BB Merchant Services & Customer
• Solutions become the market leader in terms of service excellence in end-to-end delivery and turnaround
• Training of new customers and their staff on acquiring payment processing methods and merchant equipment in use
• Relationship manages the engagement with merchants and relevant internal & external stakeholders / partners in the relevant business units, by attending meetings with internal business partners (management meetings, customer meetings, events, etc.)
• Focus on the continuous growth of the organisation's customer base
• Build & maintain a healthy pipeline of clients
• Managing relationships with group companies and external customer base (group reach), specifically focusing on acquiring / merchant sales & strategic requirements
• Educate existing clients in collaboration with their assigned regional sales consultants about the specific acquiring / merchant products and services available, through the provision of professional & expert advice

TRAINING & DEVELOPMENT

• Take ownership for driving own career development and stay abreast of Industry changes within areas of expertise
• Preparation and signing-off of a Training / Skills development plan
• Achievement of objectives / milestones set-out in the development plan

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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.

Qualifications

Minimum Requirements

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

Experience

• Previous sales experience, with exposure to

financial services

Competencies

Knowledge

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

Qualifications

• Matric
• BCom – Banking, Finance, Commercial (Ideal)

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 (ideal)
• Account management (ideal)

Duties and Responsibilities

FINANCE 

• 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
• 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 advise 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 PROCESS

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 Bidvest 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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The successful incumbent will ensure that all Compliance and AML function run smoothly coordinating and the preparation and completion of regulatory and compliance documents i.e., reports, minutes etc.

Qualifications

Minimum Requirements

• Matric or equivalent
• Bcom law/Business/Compliance Qualification (Ideal)

EXPEREINCE

• At least 1-2 years of practical experience in a
• Law /regulatory experience (Ideal)

Duties And Responsibilities Include But Not Limited To

CUSTOMER SERVICE

Stakeholder Management

 

• Develop and maintain relationships with internal stakeholders in order to deliver services.
• Identify problem areas and ensure corrective action is taken.
• Analyse and assess business/customer requirements to provide timeous solutions.
• Responsiveness: Speed of responses, reaction time, going the extra mile, turnaround time.

PEOPLE MANAGEMENT

• Contriution to making the department a great place to work
• Effort to forge & maintain quality inter-personal relationships.
• Support and drive the business's core values.
• Maintain a positive attitude and drive.
• Respond openly to feedback.
• Promote the sharing of knowledge.
• Show willingness to help others.
• Manage one's own emotions (i.e. handling stress in a manner that does not disrupt the team effectiveness).
• Open to feedback and constructive criticism of performance.

OPERATIONAL EXCELLENCE

Operational Management

• Supporting the various departments in Compliance and AML by collecting and coordinating internal compliance data from various business units.
• Providing administrative support to the Head and Managers by handling a variety of tasks.
• Point of contact for the Compliance/AML team.
• Assist in compiling compliance meeting packs.
• Draft meeting minutes for Compliance meetings.
• Tracking of compliance deliverables from the compliance team.
• Ensuring that policies are published and communicated to all employees and on the Banks Intranet portal.
• Coordinate information requested with relevant stakeholders.
• Assist compliance managers in ensuring that updates are made on the compliance and audit logs.
• Assist in ensuring that compliance documents (including policies) are included for relevant meeting packs for approval.
• Ensuring that all communications sent by business to the Compliance and AML mailboxes are timeously actioned by the relevant Compliance Managers.
• Ensuring that there is proper record keeping for all AML and Compliance communications, sign off etc.

COMPLIANCE MANAGEMENT

• Assist in the review of applicable policies, procedures and guidelines for the department
• Assist in reviewing regulatory updates provided on Sentinel.
• Adherence to legislation and regulatory requirements

LEARNING AND GROWTH

• Completion of internal bank compliance courses
• Training on relevant courses
• Take ownership for driving own career development areas