Head: Intuitive Credit at Capitec Bank

Purpose Statement

• To influence and provide Intuitive Credit insight to the Business Bank Credit divisional strategy and translate it into a strategy and operating model for Intuitive Credit.
• To lead and manage the Intuitive Credit department, accountable for departmental strategy and optimal performance through business planning, budgets, goals and metrics, people, standards, principles and processes.

Experience

• 8yrs+  management in a senior role within a business and commercial banking and/or credit environment, preferably at a commercial level, given the complexities involved in the Intuitive Credit segment;  Or 
• As a specialist in a leadership role such as a Credit Analyst, Actuary.
• Proven experience of using influence and relationships to drive and achieve objectives. 
• Experience of strategically leading, planning and managing Credit initiatives.

Qualifications (Minimum)

• Bachelor's Degree in Accounting - Financial Accounting or Management Sciences

Qualifications (Ideal or Preferred)

• Post Graduate Diploma in Finance or Business Management

Knowledge

• Strategic credit risk management 
• Credit scoring and credit risk strategic experience across the credit life cycle
• Banking and financial Services Industry
• Basel II
• Broad business knowledge and acumen
• Up to date knowledge of the Credit Risk regulatory requirements
• Knowledge and experience of Intuitive Credit life cycle/value chain.
• Commercial, business and financial principles and practices. 
• Building and developing effective teams.
• Intuitive Credit  relevant management systems.
• Governance and risk management principles
• Business products, processes, policies and systems
• Fundamental IT systems and data analysis
• Quality principles and practice

Skills

• Communications Skills
• Decision making skills
• Commercial Thinking Skills
• Strategic Thinking Skills
• Analytical Skills
• Management skills