Purpose Statement

• To achieve agreed monthly sales targets in a functional area of Business Banking, Rental Finance, or Payment Services by value and number of applications through an established supplier/ business partner network. To grow the supplier portfolio through successful identification and implementation of value adding and specialised business banking / rental finance / payment service product solutions and maintain service delivery standards to all internal and external suppliers and business partners.
• To contribute to the overall profitability of Business Bank, Rental Finance, or Payment Services  by promoting and selling products to new and existing clients.

Experience
Min:

• 5+ years of general business banking, rental finance or payment services experience and relationship-building
• Supplier management experience
• Managing a complex portfolio of business customers with a service and financial analysis focus
• Preparing and motivating credit applications 
• Cost control and sales management
• Client focus – service delivery
• Experience in the business banking, rental or payment services market
• Remote / distance relationship management
• Turnaround times and working within those limits 

Ideal:

• 1-2 years managerial / leadership experience
• 1-2 years managing a small business centre 

Qualifications (Minimum)

• A relevant tertiary qualification in Finance or Business Management

Qualifications (Ideal or Preferred)

• A relevant degree in Finance or Business Administration

Knowledge
Min:

• Principles and practices of business economics and the current business economic environment 
• Customer relationship management (CRM) principles and techniques
• Able to extract, analyse and apply CRM insights to influence the client management approach and strategy
• Different industry sectors and sector risk profiles / trends; e.g. impact of climatic conditions on agricultural market
• Understanding of the current local market and industry principles and practices to optimise retention and growth within the portfolio
• General banking practices and procedures.
• Knowledge of competitor product offerings/ channels/ operational and marketing tactics.
• Credit principles and practices, including an understanding of credit application, securities
• Legal entities (companies, close corporations, sole proprietorships etc.) in the commercial market and the legislative restrictions and requirements governing these from a financial services perspective.
• Financial Advisory and Intermediary Services Act (FAIS) and the Financial Intelligence Centre Act(FICA).
• General understanding of how Business Banking, Rental Finance or Payment Services operate, as well as understanding the business risks, industry risks and financial requirements pertaining to the business market
• Understanding of rental finance, payment services and related products
• Discounting process
• Understanding of the office automation, IT, telephony rental and payment services environments
• General office and administration practices and standards

Ideal:

• Features, benefits and value propositions of the respective company product/service offerings.
• Multi-level products available and pricing structures
• Current taxation laws as they apply to customers.
• A good knowledge of administration processes and procedures pertaining to transactions in functional area
• Financial Modelling; activity based costing, financial analysis (evaluating and identifying trends),complex cash flow cycles (industry/ sector specific)
• BB/MRF/Payment Services policies and procedures  

Skills

• Analytical Skills
• Attention to Detail
• Commercial Thinking Skills
• Communications Skills
• Computer Literacy (MS Word, MS Excel, MS Outlook)
• Decision making skills
• Influencing Skills
• Interpersonal & Relationship management Skills
• Negotiation skills
• Problem solving skills
• Strategic Thinking Skills