93 Relationship Manager jobs in South Africa

The Land and Agricultural Development Bank of South Africa (Land Bank) is South Africa's only specialist agricultural bank established in 1912, the bank's sole objective is to serve South African commercial and emerging farmers and bring specially designed financial services within their reach. These services enable farmers to finance land, equipment, improve assets and obtain production credit. The Land Bank provides financial services that have moved with the times and continues to provide services to agri-business and constantly reviews its offerings to ensure that they match the needs of an industry. As change has swept across the sector in South Africa the socio-economic makeup of agriculture has altered, bringing new entrants from historically disadvantaged backgrounds on to the land, these new farmers, facing the challenges of establishing sustainable agri-businesses across the agricultural value chain, Land Bank has been a commercial lifeline offering appropriately designed financial products that facilitate personal and commercial viability in a sector that is vital to the sustainability of South Africa and its people.

MAIN PURPOSE OF THE JOB

The Relationship Manager is responsible for fostering single-client ownership throughout the entire client lifecycle. The Relationship Banker is responsible for the end-to-end Client Relationship Management, and Client Experience Management.

Markets Land Bank and Land Bank Insurance products and services to existing clients and/or new clients with the aim of growing the lending Loan Book in relations to the Client Segmentation model for commercial and development farmers.

On receipt of client interests, the Relationship Manager views past performance of clients and assess potential of the deal. Advises clients on the requirements for applications and sends pack through for completion. For viable deals visits clients and performs an analysis on the institution/organisation of a new potential transaction. Acquires all documentation prior to deal structuring. Works in consultation with members of the Agriculture Economics & Advisory Division (e.g. Agriculture Specialist); Risk Management (e.g. Credit Managers and Analyst) to construct deals.

To provide recommendations on the viability of the loan application based on analysis and interpretation of, amongst others:

o Management shareholding structure, organisational structure

o Governance matters

o Competitive advantage

1. Facilitate Development Transformation Of The Agricultural Sector (Developmental Effectiveness)

• Presents the Land Bank to prospective clients via presentations, farmers unions etc.
• Educates the community regarding the products and services provided by the Land Bank and Land Bank Insurance.
• Identifies potential clients and follows up on interest.
• Reviews clients requests for potential applications.

2. Growth, Profitability And Financial Performance ( Financial Sustainability)

• Ensure the growth of the loan book.
• Manage NPL ratio –measure role-ins at stage 1 and 2 to ensure portfolio health.
• Net interest margin – Ability to price portfolio correctly to ensure overall portfolio is positive.
• Ability to pass on leads to insurance to generate non-interest income.
• Customer growth – 6 New to Bank customers on boarded with loans disbursed by end of financial year.

3. Client Relationship Management And Preservation Strategy (Stakeholder Management And Client Centricity)

• Engage clients by doing visitations and calls.
• Engage customers and resolve escalated customer complaints / issues promptly and effectively with relevant feedback captured and appropriately communicated.
• Meet with current clients to review services provided and determine if there is an additional sales opportunity and strengthen existing relationships through personalized service.

4.Stakeholder Relationship Management (Stakeholder Management and Client centricity)

• Effectively collaborate with internal stakeholders to ensure that business needs are being met.

o Align and collaborate with stakeholders such as credit and legal.

• Liaise with key stakeholders internally to support appropriate agreements when required.
• Work collaboratively with Client Analyst, Agriculture Specialist, Credit Management to address matters and review complex transactions thereby mitigating any potential risk and ensure that the required results for the allocated portfolio are achieved.

5. People management (Organisational effectiveness)

• Implement personal training and development plan and meet personal targets.
• Manage and support Client Analyst.

6. Process Improvements (Organisational effectiveness)

• Implement improvements to processes and ways of work to improve efficiencies and support targets.
• Share learnings with other and collaborate with other Relationship Managers.

7. Governance, enterprise risk management, and compliance (Governance)

• Ensure compliance to policies.
• Escalate issues of concern or risk to the relevant parties and line management. Consistently keep track of loan application process and progress.
• Provide feedback to the line manager on progress and specific problem areas.

• Relevant 3 year qualification in commerce, business, banking, or other relevant and equivalent qualifications.
• Experience in the management of client relationships, preferably in a financial and customer facing environment - 3 to 5 years.
• Knowledge to assess a business case for an agricultural farming business and the competency to interpret financial statements, and do financial calculations. - 1 to 2 years.
• Basic knowledge of credit principles and practices and relevant legislation - 3 years.

• Microsoft Office
• Analytical Skills
• Customer Service Orientation
• Financial / Business Acumen
• Agricultural Industry
• Organisational analysis and market evaluation
• Strategy analysis and governance assessments
• Credit Risk assessment
• Structuring of Corporate and Commercial transactions

• Valid SA driver's license
• Willing to travel extensively
• Extended hours as and when required

Introduction to the VKB Group

The VKB Group is an agricultural company, providing support to farmers and producing straight-from-the farm-foods for consumers. Apart from the various consumer brands, the VKB Group is also represented by its regional brands: VKB, GWK and NTK. Our roots are firmly planted in agriculture with farming at our core, continuously growing and evolving throughout the years.

Starting with providing everything needed on the farm to produce food, we now also operate in all areas of the food supply chain: processing, logistics, and national and global market channels.

This "house of brands" we've established with the support of our farmer shareholders is the foundation for building the agribusiness of the future.

At VKB, we believe farming is more than just a livelihood — it's the heartbeat of our communities. Every day, we stand alongside farmers, helping them plant seeds of possibility and nurture growth for future generations.

The role:

We're looking for a Credit Relationship Manager who embodies our values:

• Humble enough to listen — to learn from every farmer's story and respect the wisdom of the land.
• Hungry enough to grow — always seeking new ways to serve, improve, and deliver real impact.
• Smart enough to find solutions — turning data and insight into meaningful opportunities.
• Bold enough to lead — stepping confidently into challenges with courage and creativity.
• A Team Player — because at VKB, we believe success is something we cultivate together.

Your journey with VKB could look like this:

• You're out in the fields, meeting farmers where they are, listening to their needs, and offering financing solutions that help their businesses flourish.
• You're trusted to gather and analyse financial information, turning numbers into opportunities that fuel progress.
• You prepare and present credit applications with care and precision, making sure every detail empowers decision-making.
• You stand as the link between farmers and the VKB Group, ensuring their voices are heard and their futures supported.
• You don't just manage portfolios — you nurture relationships, keeping track of excesses, arrears, and securities while ensuring peace of mind for your clients.
• Every target you reach isn't just a number — it's a family farm strengthened, a community sustained, a dream made possible.

What you'll bring in terms of qualification and experience:

• A relevant business degree, such as BCom in Finance, Agricultural Economics, Business Management, Banking, or Accounting.
• 3–5 years' experience in a similar role.
• RE 5 certification and FAIS compliance.

What you'll bring in terms of technical skills:

• Strong financial and credit analysis abilities — interpreting balance sheets, cash flows, and ratios.
• Expertise in credit risk assessment, loan structuring, and portfolio management.
• Working knowledge of agricultural finance, including seasonal cycles, input costs, and commodity markets.
• Proficiency in Excel, credit management systems, and CRM platforms.
• Familiarity with FAIS, FICA, NCA, and KYC/AML compliance requirements.
• Ability to draft and review credit proposals, manage securities, and ensure full documentation accuracy

What you'll bring in terms of soft skills:

• Empathy and active listening – understanding each client's unique story and challenges.
• Strong communication – able to convey complex financial concepts clearly.
• Integrity and professionalism – acting with fairness and accountability in all interactions.
• Problem-solving and critical thinking – identifying risks and finding smart, practical solutions.
• Resilience and adaptability – thriving in changing market and environmental conditions.
• Collaboration – working seamlessly within teams to achieve shared goals.
• Negotiation and persuasion – balancing client needs with responsible risk management.
• Community orientation – motivated by sustainable growth and shared prosperity.

Why VKB?

Because at VKB, you're not just managing credit - You're building futures.

You're part of a team that values people over prestige, growth over comfort, and collaboration over competition.

You'll find a place where your work has meaning, your values are shared, and your career can grow as steadily as the fields we serve.

You'll find more than a career — you'll find purpose.

If this sounds like the story you'd like to write for your career — we'd love to grow with you.

OTHER INFORMATION

The company can expire jobs at any time at their own discretion.

VKB Group and/or its subsidiary companies will use any personal data collected through the job opportunities section of this website for recruitment purposes only and, should your application be successful, for purposes connected with your employment.

VKB Group is an equal opportunity employer. VKB Group's approved Employment Equity Plan and Targets will be considered as part of the recruitment process aligned to VKB Group's Employment Equity & Transformation Strategy. VKB Group actively supports the recruitment of People with Disabilities.

Things to take note of when applying through our Career Portal.

Use Google Chrome when accessing the portal

Clear copy of your CV in either PDF or Word

The CV should not have handwriting on the document

NB Only Submit your CV on the Upload CV section of the application form and not a PDF that includes other documents such as ID, Driver's License and other documents. The application form will make provision for the candidate to upload supporting documents.

When uploading profile picture, make sure the minimum size uploaded is 300 x 300px

About us:

Luno is the crypto investment app you can rely on, enabling you to buy, store and explore crypto securely. We're committed to putting the power of cryptocurrency in everyone's hands sensibly and responsibly.

Since 2013, we've helped millions of people around the world invest safely in crypto. We do this by cutting through the hype and supporting customers at every step of the way. All products and cryptocurrencies on our platform must first meet stringent legal, risk and technical security standards.

Transparency is key for us. Luno stores all crypto on a 1:1 basis and we have rigorous processes in place so you can be confident your investment is secure. We're available in more than 40 countries around the world and we work closely with respective regulators in all of these markets to be fully compliant, as we believe this is the best way to help everyone, everywhere, invest safely.

About the team:

You will be part of our Countries team, driving commercial outcomes in each of our markets, taking ownership of customer-driven P&L, local strategy, and operational risk management. Country Managers lead the charge in their jurisdictions, supported by regional General Managers and small cross-functional local teams. They serve as both internal market experts and Luno's external representatives, fostering strong relationships with regulators and partners.

The role in a nutshell:

Supporting Luno's strategic value of being a customer first business, working closely with our most valued and loyal customers. In this front-facing role you will use various data points and key insights to develop, retain and monitor our high value customer base. You will be expected to actively manage a portfolio of customers while maintaining the highest standard of customer service and also build a network within the cryptocurrency industry.

Leveraging your excellent communication and influencing skills; your ability to develop sustainable and meaningful relationships with high value customers and business owners; and present information with the aim to provide them a seamless Luno experience. You will work cross functionally to ensure that the needs of these customers are met, resulting in the consistent volumes of trades.

Your mission will be:

• Acquire, develop trust and loyalty with new and existing VIP customers by offering them a direct channel to resolve issues.
• Lead the efforts to provide existing high value customers with a bespoke offering and prioritised direct service.
• Understand customer behaviour and identify unmet needs and opportunities.
• Win back lost VIP customers, understand the pain points that made them leave and create a customer specific pitch to win them back.
• Leverage happy customers as ambassadors and referrers (e.g Explore potential referral/affiliate program structures that work for them).
• Assist with the onboarding of new business customers with a focus on retention and ongoing support.
• Identify potential opportunities and inform the sales team to follow up.
• Educate and inform clients about the company's products, services and special offers ( new and existing).
• Conduct customer satisfaction surveys and recommend ways of improving client satisfaction.
• Work with internal departments to ensure the company meets clients' expectations.
• Drive upsell and cross-sell opportunities
  .

A little about you:

• A strong ability to develop relationships and networks with existing customers, high frequency traders and the wider cryptocurrency community by understanding and anticipating their existing & future needs and wants related to Luno
• Experience in Sales/Business Development/Relationship Management/Client Acquisition
• Relationship Management experience with high net worth individuals, and/or high-frequency traders is an added advantage
• Fluent in spoken and written English. Fluency in additional languages will be an added advantage
• Good knowledge of how cryptocurrencies like Bitcoin, Ethereum and other approved cryptocurrencies work, enthusiasm to promote cryptocurrencies, and the ability to explain complex concepts in easy-to-understand language
• Good knowledge of the inner workings of a cryptocurrency exchange, high frequency trading and algorithmic trading
• Entrepreneurial skills with strategic thinking. A strong sense of responsibility and a high level of integrity
• Possesses sublime interpersonal, communication, cross functional collaboration and project management skills
• Independent, self-motivated and resourceful
• Ability to work under pressure

Ideally you will be:

• Team Working:
  They support others and show respect and positive regard for them in social situations. Puts people first, working effectively with individuals and teams and customers.
• Analytical Thinking:
  Provides evidence of clear analytical thinking. Gets to the heart of complex problems and issues. Applies own expertise effectively. Quickly learns new technology. Communicating well in writing and can explain complex technical analysis to a non-technical audience.
• Creative Thinking:
  Open to new ideas and experiences. Seeks out learning opportunities. Handles situations and problems with innovation and creativity. Thinks outside the box to resolve problems.
• Planning and Organising:
  Plans ahead and works in a systematic and organised way. Follows directions and procedures. Delivers within the agreed time frames.
• Performance and Delivery:
  Focuses on results and achieving personal work objectives. Works best when work is related closely to results and the impact of personal efforts is obvious. Shows an understanding of business, commerce and finance.
• Empathetic:
  Ability to listen and understand the needs of others, especially our customers. Proactively able to identify the gaps or concerns experienced by our customers and suggest content and product copy improvements.

Life at Luno:

• Remote but reachable work policy gives you the freedom to choose between working from home or the office.
• Enjoy an Annual Inspiration Day in addition to your annual leave, which increases with your length of service, plus the option to buy or sell up to five days of leave.
• Improve body and mind, with excellent private medical insurance
• Access to Learnably and our additional learning platforms for your personal and professional development
• A collaborative, friendly work community, with regular social events and classes hosted by our Lunauts
• 6 months primary care-giver leave
• Paw-ternity leave for your furry friend
• Free lunch and snacks
• 0 fees up to a certain amount with Luno from the day you start.*

*Offer only available on Luno Instant Buy, not Luno Exchange

We are an equal opportunity employer and value diversity at our company. We do not discriminate on the basis of race, religion, colour, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status.

Job Description

Dear Future, Relationship Manager

The role requires you to be responsible for management of their function, devising implementing and providing input into the customer relationship management strategy. Strategically and operationally manage and grow a portfolio of high revenue generating clients

Are you someone who can:

• Manage a portfolio of Mortgage Origination Clients to achieve the objective of the Retails sales and Secured Lending Cluster Business units
• Achieve the Net Income return for the Business as defined in the Financial Performance Report of the Business.
• Drive an increase in average balance of specific portfolio of liabilities as defined in the Financials Performance Report of the Business.
• Manage Existing client and grow portfolio through making contact and generating leads
• Manage the growth of active customer Account Base.
• Maintenance of expert knowledge on relevant legislative amendment, industry best practices and provision of proactive advise and solution to relevant stakeholders.
• Deliver exceptional service that exceeds customers' expectations through proactive innovative and appropriate solutions.

You will be an ideal candidate if you:

• Grade 12 or NQF level 5 qualification or degree
• A minimum of 3-5 years within a sales environment, a good knowledge of the residential lending (Home loans) environment an understanding of the credit environment that impacts residential lending.
• Knowledgeable of Homeloans systems and internal banking systems such as Hogan

The role is Pretoria based

You will have access to:

• Opportunities to network and collaborate
• A challenging working environment
• Opportunities to innovate

We can be a match if you are:

• Adaptable and curious
• Have a proven successful track record.
• Thrive in a collaborative environment
• Working under immense pressure
• Putting in long hours

Are you interested to take the step? We look forward to engaging with you

All appointments will be made in line with FirstRand Group's Employment Equity plan. The Bank supports the recruitment and advancement of individuals with disabilities. In order for us to fulfill this purpose, candidates can disclose their disability information on a voluntary basis. The Bank will keep this information confidential unless we are required by law to disclose this information to other parties.

Job Details

Take note that applications will not be accepted on the below date and onwards, kindly submit applications ahead of the closing date indicated below.

16/10/25

All appointments will be made in line with FirstRand Group's Employment Equity plan. The Bank supports the recruitment and advancement of individuals with disabilities. In order for us to fulfill this purpose, candidates can disclose their disability information on a voluntary basis. The Bank will keep this information confidential unless we are required by law to disclose this information to other parties.

The Relationship Manager will be responsible for managing client relationships with a strong focus on expanding the lending portfolio through tailored financial solutions. This role involves new business development, credit risk management, and ensuring alignment with organisational goals while delivering an exceptional client experience.

Minimum Requirements

• BSc or BCom in Agricultural Economics, Finance, or a related field.
• Relevant certifications in financial analysis or credit risk management (advantageous).
• Minimum of 5 years' experience in agricultural financing.

Key Performance Areas

Client Engagement and Business Development

• Build and maintain strong client relationships.
• Identify and pursue new business opportunities.
• Develop and present tailored financial solutions.
• Represent the organisation at industry events and farmers' days.
• Drive cross-selling of products and services.

Credit Application Management

• Collect and review client financial documentation.
• Prepare and evaluate credit applications in line with policies and regulations.
• Manage credit risk and ensure compliance throughout the process.

Operational Excellence and Administration

• Monitor account performance and market trends.
• Ensure timely processing of applications and client requests.
• Compile accurate reports and collaborate with internal teams.

Ad Hoc and Cross-Functional Contributions

• Support team initiatives and cross-functional offerings.
• Address emerging market opportunities and challenges.

Technical Competencies

• In-depth knowledge of agricultural financing and credit risk management
• SAP and advanced Excel skills
• Proficiency in Microsoft Office
• Strong analytical and problem-solving abilities
• Excellent communication skills in Afrikaans and English
• Ability to work independently and collaboratively
• High dependability and performance under pressure

Behavioural Competencies

• Strategic thinking and results orientation
• Exceptional interpersonal and communication skills
• Team leadership and collaboration
• Adaptability and willingness to travel extensively

Closing Date: 10 September 2025

Please note that correspondence will be limited to shortlisted candidates only. Applicants who have not heard from us within 30 days of the closing date may assume that their applications have been unsuccessful and are hereby thanked for their interest.

The filling of this position will be aligned with AFGRI's Employment Equity Policy.

Applicants are informed that in order to be considered for any application for employment, we will have to process their personal information. A law, known as the Protection of Personal Information Act, 4 of 2013 (POPIA), provides that when one processes another's personal information, such collection, retention, dissemination and use of that person's personal information must be done in a lawful and transparent manner.

In order to give effect to this right, we are under a duty to provide you with a number of details pertaining to the processing of your personal information. These details are housed under the HR Processing Notice, which can be accessed and viewed on the AFGRI Group website, which HR Processing Notice, we request that you kindly download and read.

Purpose of the role

Excellent opportunity for an experienced, driven and ambitious Customer Relationship Manager. You must have a can-do, mature attitude and be willing to go the extra mile. Must be able to create and nurture long-term relationships with customers and resolve any issues that arise to ensure customers are satisfied with our services. Our employment equity goals will be taken into account in our selection process.

Key Responsibilities

 Market Property24 products and establish a strong brand and product presence in your allocated area

Create and manage a sales pipeline in combination with calling programme

uild relationships with existing and new customers

eaching individual sales targets

Qualifications

atric, relevant tertiary qualification would be an advantage

to 5 years experience in sales

roven sales track record

ood working knowledge of MS Office

ood command of English and Afrikaans (written and verbal)

alid drivers license and own reliable vehicle

xcellent interpersonal, communication, marketing and negotiations skills

elf-motivator

customer-oriented attitude

ersuasiveness and selling ability

trong achievement orientation

elf-discipline

Remuneration

arket related basic salary plus monthly commission

uel and cellphone allowance

se of company laptop