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  • Posted: Oct 22, 2020
    Deadline: Not specified
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    Capitec Bank is a South African commercial bank. As of February 2017 the bank was the third largest in South Africa with 120,000 customer opening new accounts per month. To simplify banking, we’ve developed an all-inclusive banking solution. Global One is the one solution that enables you to transact, save and access credit in realtime. We also believe...
    Read more about this company


    Credit Specialist: Affordability Intelligence

    Purpose Statement

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

    Experience (Minimum)

    • 3 to 5 years retail credit analysis experience (including affordability calculations)

    Qualifications (Minimum)

    • A relevant qualification in Mathematics or Credit Management

    Qualifications (Ideal or Preferred)

    • A relevant post graduate degree in Mathematical Sciences or Statistics



    • Retail credit lifecycle
    • Retail credit market
    • Retail credit IT systems architecture
    • Retail credit profit models including pricing and provisioning
    • Database querying software (e.g. SQL)
    • Statistical software (e.g. 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


    • Capitec Bank's credit policy and systems


    • 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 Competencies and Skills

    • A mathematical background i.e. Actuary or a CIMA qualification
    • An Analyst by nature
    • Previous working exposure in building models in a Data scientist or a Business analysis environment
    • Beneficial but nota disqualifier: Engineering background with a focus in Mathematics
    • Ability to engage with Stakeholders at all levels with great communication skills
    • Good presentation 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

    Method of Application

    Interested and qualified? Go to Capitec Bank on to apply

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