Lead: Decision Science at Capitec Bank

Purpose Statement

• To ensure the deliverables within the area of responsibility aligns with the objectives, plans, processes and standards of Credit Decision Science (Granting Model/Collections, Recoveries, Account Management)

• To lead a team of specialists within the (Collections, Recoveries and Account Management  / Granting Model) function to perform analysis to translate active business data into usable strategic information to inform the business on any critical and measurable credit and risk indicators.

• To perform analysis to translate active business data into usable strategic information to inform the business on any critical and measurable credit and risk indicators.

Experience

• 4 years’ relevant experience in statistical analysis

• Experience must include the following (within the Retail Credit Risk Management Environment):

  • Extracting and Aggregating Data from Large Relational Databases

  • Data Mining and Predictive Modelling

Qualifications (Minimum)

• Honours Degree in Mathematics or Data Science

Qualifications (Ideal or Preferred)

• Masters Degree in Mathematics or Data Science

Knowledge

• Analytics

• Predictive Modelling and Machine Learning

• Project management methodologies

• IT implementation cycle

• Credit cycle

• Technical understanding and knowledge (different operating systems / databases / programming languages)

• General business acumen to identify the impact technical issues may have on design and delivery of solutions.

• Best practices and tools in credit risk

• Interpretation of user requirements and translation into business requirements specifications

• Retail credit environment / industry

• Confidentiality and intellectual property implications and constraints

• Interpretation of user requirements

• Translation of business requirements into business requirement specifications

Skills

• Communications Skills

• Numerical Reasoning skills

• Analytical Skills

• Reporting Skills

• Computer Literacy (MS Word, MS Excel, MS Outlook)

• Attention to Detail

• Programming skill (SAS, SQL, R, Python)

• Commercial Thinking Skills

• Interpersonal & Relationship management Skills

• Leadership Skills

Conditions of Employment

• Clear criminal and credit record

Capitec is committed to diversity and, where feasible, all appointments will support the achievement of our employment equity goals.