Credit Specialist: Affordability Intelligence at Capitec Bank

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

Knowledge

Minimum:

• 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

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 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