Credit Specialist: Affordability Intelligence at Capitec Bank

Purpose Statement

• To optimise the credit granting affordability assessement by analysing Credit data and operational intelligence to derive effective and useable management insight.

Experience (Minimum)

• 2 years retail credit analysis experience (incl. SQL programming)

Qualifications (Minimum)

• Grade 12 National Certificate / Vocational in Mathematics

Qualifications (Ideal or Preferred)

• A relevant post graduate degree in Finance or Statistics

Knowledge

Minimum:
 

• Retail credit lifecycle
• Retail credit market
• Retail credit IT systems architecture
• Retail credit profit models including pricing and provisioning
• Database querying software (ex. SQL)
• Statistical software (ex. SAS, R, Python)
• National Credit Act (NCA)
• Consumer Protection Act (CPA)
• Banks Act and Basel III Risk Framework
• Protection of Personal Information Act (POPI)
• Project management principles
• Credit affordability assessment regulations

Ideal:

• Capitec Bank's credit policy and systems

Skills

• Reporting Skills
• Business writing skills
• Presentation Skills
• Communications Skills
• Interpersonal & Relationship management Skills
• Facilitation Skills
• Commercial Thinking Skills
• Planning, organising and coordination skills
• Analytical Skills
• Numerical Reasoning skills
• Computer Literacy (MS Word, MS Excel, MS Outlook)
• SAS Skills
• SQL Skills
• R skills
• Python skills

Additional Information

• Clear criminal and credit record
• A valid driver's license and own vehicle is required
• Willingness to travel nationally if and when required
• Willingness to work or be available overtime and / or weekends if required
• Ability and willingness to work in an open plan environment