Manager: Collections and Recoveries Risk at Capitec Bank

Purpose Statement

To minimise legal risks relating to Collections and Recoveries through:

• Assuming responsibility and full ownership for the planning and day-to-day management of the Operational Risk Support function.
• Supporting the wider Collections and Recoveries Department with complex escalations.
• Managing the audit and civil court order team within Recoveries and Collections.
• Managing and guiding the ARL (Allegations of Reckless Lending) portfolio

Experience

Minimum:

• 4 - 5 years in an audit, or operational risk, or debt management environment 
• Banking experience and working with credit granting and affordability assessments
• Experience working with court orders, legal documents/ legal experience
• Experience in audit and risk management (understand audit processes/ worked with internal audit)
• Debt Review (understand the process/ know reckless lending)
• External Debt Collections processes and working alongside attorneys/ debt collectors
• Policy and procedure drafting / complaints / escalations
• Dealing with general queries/escalations (e.g. prescription, in-Duplum, Debt Sale.)
• Comfortable with authorising payments
• Experience in engaging with vendors or debt counsellors

Ideal:

• 5+ years in an audit, or operational risk, or debt management environment
• Experience in working with other business stakeholders in an integrating manner 

Qualifications (Minimum)

• Bachelor's Degree in Law or Commerce

Qualifications (Ideal or Preferred)

• Post Graduate Diploma in Law or Commerce

Knowledge

Minimum:

• Relevant legislation
• Prescription and debt sales and working alongside a legal team
• Understanding risk and control and risk self-assessments
• Understanding, identification and guiding key operational risk indicators
• Understanding of civil process
• Understanding of banking reckless lending

Ideal:

• Data and analytics
• Knowledge of relevant software programs (Salesforce, Amazon, JIRA, Confluence)

Skills

• Commercial Thinking Skills
• Communications Skills
• Management skills
• Planning, organising and coordination skills
• Problem solving skills