Jobs at Discovery Limited

Job Description 

• The Virtual Sales Consultants are expected to be highly motivated and professional ambassadors for 
• Discovery Connect, supporting clients after their initial product take-up via the Discovery Connect 
• channel. Successful consultants are those that build trust-based relationships, offer world-class service 
• and reliability, always doing what is best for our clients. 
• Consultants are expected to generate sales opportunities via targeted existing Discovery Connect 
• clients (>100,000 high value target clients) through on-going servicing and upsell campaigns across the 
• Discovery product range. Consultants must carry themselves off professionally, conducting virtual 
• (Zoom-based) client appointments and completing holistic FNAs and sales across the product range. 
• Consultants will be expected to manage their own diary, client appointments and sales pipelines; 
• proactively seeking sales opportunities and offering solutions tailored to a clients’ needs

Key Outputs 

• The successful individual will be required to perform on, but not limited to the following key outputs: 
• Achieve sales targets through participation in proactive sales and marketing initiatives / campaigns 
• Maintain a professional approach to selling and manage the high networth clients efficiently 
• Communicate to members via telephone, email and video-calls
• Conduct Financial Needs Analysis 
• Achieve quality targets 
• Adherance to service level agreements 
• Build relationships with internal departments to ensure superior service offering to clients 
• Keep up-to-date with competitor product and service offerings and industry developments 
• Deal with client queries and provide information on a range of sales and service issues 

Personal attributes and skills 
The successful individual will be required to demonstrate the following competencies: 

• Self motivated 
• Goal orientated 
• Team Player 
• Ability to perform under pressure 
• Adaptable to change 
• Persuasive and resilient 
• Self managed with sound time management 
• Attention to detail 
• Ability to learn quickly and apply knowledge 
• Speak fluently (accent neutral) English/Afrikaans 

Qualification & Experience 

• Matric 
• At least 2 years sales experience 
• Minimum 1 year Discovery Life product knowledge 
• Minimum 1 year Discovery Insure product knowledge 
• Minimum 1 year Discovery Health product knowledge 
• Minimum 1 year Discovery Bank product knowledge 
• Minimum 1 year Discovery Invest product knowledge 
• PC literacy, email, word, excel (proficiency in MS Office) 
• Tertiary qualification an advantage 
• Essential NQF5 and RE5 qualification 

COB Qualification 

Beneficial: 

• Tertiary qualification, particularly a business degree (or progress towards one) 
• Sound investment, life and other insurance knowledge 
• Broker consulting experience in the financial services industry 
• An understanding of financial planning

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Key Purpose

• Discovery Health administers a number of closed in-house employer medical schemes, as well as the largest open scheme in South Africa, the Discovery Health Medical Scheme. The Risk Intelligence team is responsible for the measurement and reporting of clinical experience for each of our client schemes, providing actuarial analytic support for managed care interventions, healthcare quality reporting initiatives, provider contracting, and clinical profile reports of clinician utilisation patterns and adherence to evidence based clinical process measures.
• You will be responsible for technical healthcare actuarial analysis, which may include regular monitoring reports, as well as detailed investigations for various initiatives. You will be expected to deliver clear and reliable results on tight and high pressured deadlines at times. The job entails applying the principles of risk adjustment, in the healthcare context, to the clinical analysis of claims data to deepen understanding of the scheme experience for guiding appropriate interventions to ensure sustainability through improvement of efficiency and quality of care. You may also be involved in assisting with the pricing of exciting new Discovery Health products before their launch. Data and model findings need to be clearly communicated to business users.

Competencies required:

• Excellent conceptual and technical ability
• Excellent communications, both written and verbal
• Excellent analytical capability and aptitude
• Comfortable presenting to stakeholders and team
• Healthcare experience and an understanding of clinical risk adjustment methodologies
• Manage complexity
• Excellent conceptual and technical ability
• Accuracy
• Verbal and written Communication

Personal Attributes and Skills

• Aligned to Discovery values and core purpose
• An interest in the South African healthcare and medical scheme environment
• Exceptional analytical and problem solving skills
• High-level of attention to detail
• Results orientated and commercial thinking
• Excellent communication and presentation skills
• A focus on delivering results and meeting client expectations
• Ability to work collaboratively in a team environment and balance multiple priorities
• Ability to work alone when required and to take initiative without supervision
• Comfortable with change and a fast paced work environment
• Unwaveringly ethical and able to maintain confidentiality

Qualifications & Experience:

• Actuarial science or Mathematical Statistics undergraduate degree
• Completion of CT series of actuarial board examinations
• Data and analytic work experience (1-3 years) (Beneficial)
• Understanding of risk adjustment methodologies (Beneficial)

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Key Purpose of the role

• The role involves policy and benefit reviews to identify client needs. The Financial Advisor will ensure that clients are always aware of product enhancements that may benefit their existing or new need. The Financial Advisor will always conduct financial needs analysis and or assess risk appetite before recommending changes to their existing product structure and or fund portfolios.

Job Category

• We are looking for a suitably experienced Financial Advisor to become part of our vibrant and dynamic sales team. This individual will consult with existing Discovery Life, Invest and Insure clients to offer them specialist advice on their current products, benefits and or fund selection. This role drives ongoing servicing of existing clients and as such is remunerated on a non-commissionable basis.

Key Responsibilities

Your tasks will typically involve:

• conducting in-depth reviews of clients' financial goals, from risk protection to wealth creation
• conducting a financial needs analysis and preparing proposals best suited to meet individual clients' requirements
• providing clients with information on new and existing products, benefits and services
• designing financial strategies
• assisting clients to make informed decisions
• reviewing and responding to clients changing needs and financial circumstances
• contacting clients with news of new financial products or changes to legislation that may affect their savings and investments
• Review client policies regularly to determine if adjustments are needed because of personal or financial changes

Personal Attributes and skills:

• Strong Customer focus
• Networking skills
• Proactive engagement
• Service orientated mind-set is critical
• Strong Planning and organisational skills

Qualifications and Experience:

Minimum

• Wealth management qualification with at least 120 credits
• RE5 qualification
• At a minimum 2 years’ experience as a Financial Advisor

Beneficial:

• Understanding of Financial Planning
• Knowledge of insurance (short-term, health, risk and investment industry)