Head: Non-Salary Lending at Capitec Bank

Purpose Statement

• To set, enhance and drive the Retail Credit Management Non-Salary lending service offering for Retail Banking through:
• Providing strategic direction and operational insight within Retail Credit Management for Non-Salary lending, underpinning and enabling the delivery of the Retail Banking strategy.
• Leading and overseeing the Non-Salary Lending department, and taking accountability for optimising departmental performance (including strategic business planning and implementation of standards, credit risk policies, principles and processes).
• Driving (in collaboration with Delivery Head) the automating of non-salary lending processes.  

Experience
Minimum:

• Minimum 10 years management experience in a senior role or as a specialist in a credit solutioning environment
• 2 years experience in a retail non-salary lending environment
• Experience of successfully leading, planning and managing credit initiatives across a complex organisation

Ideal:

• 10+ years management experience in a senior role or as a specialist in a credit solutioning environment
• 2+ years experience in a retail non-salary lending environment
• Experience of successfully leading, planning and managing credit initiatives across a complex organisation 
• Experience overseeing a credit application automation project including process flows and data science techniques 

Qualifications (Minimum)

• Bachelor's Degree in Commerce or Statistics
• Qualifications (Ideal or Preferred)
• A relevant tertiary qualification in Commerce or Statistics

Knowledge
Minimum:

• Knowledge of retail credit life cycle operations, retail credit profit modelling and retail credit regulations
• Commercial, business and financial principles and practices 
• People Management
• Project Management
• Governance and risk management principles
• Business processes, policies and systems
• Application of relevant credit and risk legislation in an organisation (NCA, CPA, Companies Act, Insolvency Act, etc.) 
• Impact of regulatory bodies (BASA, SARB, SACCRA, NCR, and FIC) on the functioning of an organisation

Ideal:

• Similar to minimum

Skills

• Commercial Thinking Skills
• Decision making skills
• Interpersonal & Relationship management Skills
• Leadership Skills
• Problem solving skills

Conditions of Employment

• Clear criminal and credit record