Thandeka Moraba
Johannesburg,GP
Summary
Motivated and experienced banking professional with over 10 years of progressive experience, from bank teller to branch manager. Passionate about delivering excellent customer service and exceeding expectations, with expertise in business development, service marketing, and credit offerings. Proven leader who inspires staff loyalty through strong communication and team-building skills. Thrives in fast-paced, target-driven environments and is committed to developing future leaders within the organization.
Overview
20
20
years of professional experience
Work History
Branch Manager
Capitec Bank
08.2013 - 04.2025
- Successfully maintained and achieved all production goals related to deposits and loans, ensuring all targets were met on schedule.
- Assisted in maintaining sales momentum and developed techniques for making effective business development calls to generate new opportunities.
- Coordinated with clients to provide support, particularly during critical situations, ensuring high levels of customer satisfaction.
- Monitored and addressed client issues promptly, facilitating timely and effective resolutions.
- Ensured staff operated in compliance with established service standards, promoting a culture of excellence and accountability.
- Supervised daily operations and staff performance while identifying strategies to improve the profitability of the sales process.
- Conducted internal audits and maintained strict confidentiality of all sensitive bank data.
- Analyzed banking products and policies, offering recommendations to enhance client profitability and satisfaction.
- Managed and directed all branch operations to meet or exceed established revenue goals for growth and profitability.
- Supported the expansion of existing client relationships and the development of new business across all banking product lines.
- Cultivated strong relationships with key customers and maintained a deep understanding of their banking needs and service expectations.
- Represented the branch in community organizations, promoting positive community relations and enhancing the bank’s public presence.
- Maintained current knowledge of the bank’s full range of products and services to better serve clients and support staff.
- Oversaw staffing and training, ensuring employees were well-versed in product knowledge and effective sales techniques.
- Continuously monitored branch performance against key performance indicators, taking corrective actions as needed to ensure objectives were met or exceeded.
- Examined customer loan applications for loan approvals and denials.
- Managed branch financials including budgeting, forecasting, and expense tracking for accurate reporting and decision-making support.
Branch Manager in Training
CAPITEC BANK
04.2013 - 07.2013
- Supported product initiatives and enhanced the customer experience from initial concept through to successful rollout.
- Collaborated closely with staff to lead branch team members in fostering a strong, results-driven sales culture.
- Monitored local market competition to inform strategy and improve sales performance and customer retention.
- Developed a deep understanding of the bank’s full suite of consumer and business products and services.
- Maintained expert-level knowledge of the bank’s operational policies and compliance procedures.
- Actively coached and developed branch staff by providing constructive feedback and supporting their long-term professional growth.
- Maintained friendly and professional customer interactions.
- Implemented effective sales strategies to achieve branch targets and exceed expectations consistently.
- Collaborated with senior leadership on strategic planning initiatives to align branch objectives with corporate goals.
- Complied with regulatory guidelines and requirements.
Assistant Branch Manager
Capitec Bank
02.2012 - 03.2013
- Spearheaded product initiatives from concept to rollout, improving customer experience and driving product adoption.
- Led and motivated branch staff to cultivate a high-performance, sales-oriented culture aligned with company goals.
- Analyzed local market trends to guide branch strategy, enhance customer retention, and increase sales performance.
- Developed deep expertise in the bank’s full suite of consumer and business financial products and services.
- Maintained comprehensive knowledge of operational procedures, risk controls, and regulatory compliance standards.
- Coached and mentored team members with continuous performance feedback and career development support, boosting staff engagement and productivity.
- Responded to customer concerns and collaborated with branch leadership to significantly improve customer satisfaction ratings.
- Enhanced the overall client experience by delivering exceptional service and resolving issues promptly and effectively.
- Monitored day-to-day branch operations, identifying and addressing areas for improvement to maintain operational excellence and compliance.
Sales Consultant
Capitec Bank
04.2008 - 01.2012
- Developed long-lasting client relationships by consistently exceeding expectations with exceptional service.
- Maximized customer retention by resolving issues quickly.
- Strengthened brand reputation by delivering superior customer experiences that fostered loyalty and repeat business.
- Increased referral business by establishing a strong rapport with existing clients, leading to positive word-of-mouth recommendations and an expanded customer base.
- Followed up with existing customers to provide additional support and address concerns.
- Boosted customer satisfaction by providing personalized consultations and tailored product recommendations.
- Conducted comprehensive product demonstrations for clients, resulting in increased understanding of features and benefits.
- Advised clients on appropriate product selections based on their unique needs, ensuring optimal satisfaction levels upon purchase.
- Streamlined sales processes to improve efficiency, leading to quicker deal closings and increased productivity.
- Maintained sense of urgency in answering customer questions and requests through email or voice messaging.
- Generated increased sales revenue through effective lead generation and follow-up efforts.
- Responded to telephone and in-person requests for information.
- Contributed to a positive work environment by supporting fellow Sales Consultants in achieving their individual goals and targets.
Assistant Manager, Admin Manager, Merchandiser
Sportscene
01.2005 - 12.2006
- Improved customer satisfaction by addressing and resolving complaints promptly.
- Supervised day-to-day operations to meet performance, quality and service expectations.
- Developed strong working relationships with staff, fostering a positive work environment.
- Maintained a clean, safe, and organized store environment to enhance the customer experience.
- Monitored cash intake and deposit records, increasing accuracy, and reducing discrepancies.
- Assisted in recruiting, interviewing, hiring, and onboarding of new employees to maintain adequate staffing levels.
- Offered hands-on assistance to customers, assessing needs, and maintaining current knowledge of consumer preferences.
- Coordinated with vendors to ensure timely delivery of products and resolve any supply chain issues.
- Mentored junior staff members in their professional development by offering guidance/support in their assigned roles.
- Collaborated with the management team to develop strategic plans for business growth and improvement.
- Promoted teamwork within the workplace by encouraging collaboration among staff members on various project tasks.
- Implemented staff training programs, enhancing product knowledge and improving customer service skills.
- Enforced company policies consistently while handling disciplinary actions when necessary with fairness and respect.
- Conducted employee performance evaluations, providing constructive feedback for growth and development.
Education
Grade 12 -
Benoni Educational College
National Certificate in Banking - NQF Level 6
Bank Ceta
07.2017
Skills
- Leadership and Management
- Strategic Thinking
- Analytical Thinking
- Decision Making
- Problem Solving
- Communication Skills
- Customer Service & Meeting Expectations
- Project Management
- Planning and Organizing
- Delivering Results
- Financial Management
- Coping with Pressure
Languages
English
Advanced (C1)
Zulu
Bilingual or Proficient (C2)
Afrikaans
Upper intermediate (B2)
Reference
Available on request
Timeline
Branch Manager
Capitec Bank
08.2013 - 04.2025
Branch Manager in Training
CAPITEC BANK
04.2013 - 07.2013
Assistant Branch Manager
Capitec Bank
02.2012 - 03.2013
Sales Consultant
Capitec Bank
04.2008 - 01.2012
Assistant Manager, Admin Manager, Merchandiser
Sportscene
01.2005 - 12.2006
National Certificate in Banking - NQF Level 6
Bank Ceta
Grade 12 -
Benoni Educational College
Similar Profiles
Nokulunga MvelaseNokulunga Mvelase
Future Leaders Programme at Capitec BankFuture Leaders Programme at Capitec Bank
ORATILE LENAMILEORATILE LENAMILE
Service Consultant at Capitec BankService Consultant at Capitec Bank
Tyrese SiasTyrese Sias
Decision Scientist at Capitec BankDecision Scientist at Capitec Bank
Ethel MatlalaEthel Matlala
Finance and Operations Coordinator at Sango Capital Advisers Pty LtdFinance and Operations Coordinator at Sango Capital Advisers Pty Ltd
Carol SimangoCarol Simango
Volunteer at The Campus Luxury Student AccommodationVolunteer at The Campus Luxury Student Accommodation