Suite Head: Commercial Banking

We're on the lookout for energetic, self-motivated individuals who share our passion for service in the banking industry. To be part of the journey, follow the steps below:

1. To see what life at Capitec is all about and complete a short assessment, please click here!

2. Once you have completed the above finalize your application by clicking apply below

• To influence, lead and embed the strategy for Commercial Banking, ensuring alignment with business strategy, goals, regulatory requirements and best practices through translating the strategy into an operating model and tactical sales & servicing plans, objectives and targets.
• To lead a Commercial Banking function, providing direction, oversight and expert commercial banking guidance to grow and retain a complex portfolio of high value clients for Capitec Business.

• 8-10+ years in Commercial/Business Banking or Financial Services, with demonstrable impact on sales growth, portfolio profitability and client retention.
• Of which, 5-8+ years at senior, leading Account Executives/Portfolio Owners or equivalent.
• Proven track record in translating banking strategy into operating models, with enterprise-level results (e.g., revenue growth %, cost-to-income improvements, risk reduction).
• Direct involvement with top-tier corporate/mid-market clients (complex, multi-product solutions-lending, cash management, FX, trade).
• Experience owning a risk agenda (credit, operational, regulatory, reputational) and partnering with Risk, Compliance & Legal.
• Led initiatives with Technology, Operations, Data/Analytics, Finance and external stakeholders (industry bodies/regulators).
• Evidence of process optimization, digital enablement, operating model redesign, or sales effectiveness transformations.
• P&L oversight: Exposure to budgeting, forecasting, pricing, margin management, and portfolio-level profitability.
• Analysing external market dynamics and applying conceptual thinking and commercial know how to recognise and execute appropriate tactical response.
• Harnessing full range of functional and support capabilities to drive sales and client interactions.
• Being agile and creating and managing momentum, change and development in process, people and technology.

• Bachelor's Degree in Commerce or Finance

• Honours Degree in Banking or Finance

• Strategic planning, market positioning and go-to-market design.
• Portfolio optimization: capacity planning, territory design, segment strategies.
  FIC Act (AML/CFT), POPIA, NCA, Companies Act, BASA codes.
• SARB Prudential standards, Basel III concepts (capital, liquidity, risk-weighted assets).
• FAIS and conduct standards (if applicable to advice/interaction models).
• Corporate credit lifecycle, credit scoring, collateral/security structures, impairments (IFRS 9 basics), early warning indicators & remediation.
• Lending (term, working capital, asset finance), cash management, payments, FX/Trade finance, merchant acquiring; pricing and margin dynamics.
• Sector dynamics (e.g., manufacturing, logistics, agriculture, healthcare), economic landscape, competitor offerings.
• Execution models, SLA structures with HO functions, governance forums, and performance rhythms.
• Application of metrics and data to enhance performance

• Commercial Thinking Skills
• Communications Skills
• Interpersonal & Relationship management Skills
• Strategic Thinking Skills

• Clear criminal and credit record

Capitec is committed to diversity and, where feasible, all appointments will support the achievement of our employment equity goals.

Capitec Bank is an authorised financial services provider (FSP 46669) and registered credit provider (NCRCP13). Capitec Bank Limited Reg. No: 1980/003695/06