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About the Organisation
Business Manager job at Capitec Bank Ltd | Apply Now
Gauteng, South Africa
Capitec Bank Ltd, based in South Africa, is committed to offering accessible, affordable, and innovative banking solutions that cater to the financial needs of individuals and businesses. The bank’s mission is to simplify banking and empower people to live better lives by providing flexible and transparent financial products. Renowned for its customer-centric approach, Capitec has earned widespread recognition as one of South Africa’s leading financial institutions, often praised for its digital banking services and user-friendly platforms.
The work culture at Capitec is collaborative and dynamic, fostering a supportive environment that encourages employee development and well-being. Job opportunities within the organization are plentiful, with a focus on creating a diverse and inclusive workforce that embraces both traditional office and remote work arrangements. Founded in 2001, Capitec has rapidly evolved, becoming a key player in South Africa’s banking sector by adopting innovative business models that disrupt traditional banking.
The bank's size and reach extend across South Africa, with a growing presence in global financial markets. Its core values of simplicity, transparency, and customer focus guide all operations, while its corporate social responsibility initiatives focus on education, financial literacy, and supporting local communities. For more information, visit Capitec's official website at www.capitecbank.co.za.
Are you looking for Management jobs in South Africa 2025 today? then you might be interested in Business Manager job at Capitec Bank Ltd
Full Time
Deadline:
30 Sept 2025
Job Title
Business Manager job at Capitec Bank Ltd
Capitec Bank Ltd
Job Description
Own a complex portfolio of business clients: drive acquisition, retention and growth; analyse financials and risk; prepare and motivate credit applications; manage pricing and profitability; ensure regulatory compliance (FAIS/FICA); and coordinate multi-product solutions across Capitec’s business banking offerings. Lead portfolio planning, cost control and sales management while leveraging CRM insights to shape client strategy.
Duties, Roles and Responsibilities
Qualifications, Education and Competencies
See all details of the qualifications, competencies and education for this role under the "How to Apply" section below.
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How to Apply
Manage and grow a portfolio of business clients (acquire, retain, cross-sell).
Prepare, motivate and defend high-quality credit applications; manage securities and conditions.
Analyse client financials, sector trends and risk; design tailored banking solutions.
Execute sales plans, manage pipeline, pricing, and profitability; control portfolio costs.
Apply CRM insights to personalise engagement and improve retention.
Ensure compliance with FAIS, FICA and internal policies; maintain accurate documentation.
Build senior relationships across client organisations; resolve complex service issues.
Collaborate with internal specialists (credit, product, operations) to deliver end-to-end solutions.
Track performance vs. targets; report on portfolio health and growth initiatives.
SERVICES
COMMERCIAL
SERVICES
INDUSTRIAL
SERVICES
RESIDENTIAL
Qualifications (Minimum)
Relevant tertiary qualification in Business Management or Finance.
Qualifications (Ideal/Preferred)
Bachelor’s Degree in Business Management or Finance.
Experience (Minimum)
5+ years banking, with 3+ years in Business Banking.
Managing complex business customer portfolios (service + financial analysis).
Significant experience preparing/motivating credit applications.
Cost control and sales management.
Experience (Ideal)
1–2 years managerial/leadership experience.
1–2 years managing a small business centre.
Knowledge (Minimum)
Business economics and SA business environment.
CRM principles; local market sales practices.
Sector risks (incl. agriculture if applicable).
General banking procedures; competitor offerings.
Credit principles (applications, securities).
Legal entities and regulatory requirements.
FAIS and FICA; Business Banking admin processes.
Business/industry/financial risks for the business market.
Knowledge (Ideal)
Capitec product suite, multi-level pricing, taxation basics, Business Banking processes.
Financial modelling, ABC costing, advanced financial analysis, complex cash-flow cycles.
Skills
Interpersonal & relationship management; communication & influencing.
Analytical, commercial & strategic thinking; problem-solving; decision-making.
Negotiation; attention to detail; MS Word/Excel/Outlook proficiency.
Conditions of Employment
Clear criminal and credit record.
Willingness to work flexible hours (incl. Saturdays/Public Holidays).
Commitment to employment equity objectives.
