Manager: Credit Reporting at Capitec Bank

Purpose Statement

• To manage and oversee the execution of the Credit Reporting strategy.
• To articulate Capitec Bank’s credit approach to the Board, non-Executive Director forums and Executive committees.  
• To enhance the reporting systems and methodology of the Retail Credit Department.

Experience
Minimum:

• Minimum 5 years’ post registration experience in a Financial Services or retail environment
• Minimum 2 years’ experience in interacting and reporting at an Executive level
• 2 years of supervisory experience.

Ideal:

• 5+ years’ post registration experience in a Financial Services or retail environment
• 2+ years’ experience in interacting and reporting at an Executive level
• 2+ years of supervisory experience
• Experience in Excel (VBA) and SQL coding skills for automation of reporting

Qualifications (Minimum)

• Qualified Chartered Accountant (CA) in Accounting - Financial Accounting or Commerce

Qualifications (Ideal or Preferred)

• Qualified Chartered Accountant (CA) in Accounting - Financial Accounting or Commerce

Knowledge
Minimum:

• The retail credit industry
• Credit Risk Management
• Basel III
• Credit systems and Ms Word
• Budgeting and accounting principles
• Credit risk calculations, including arrears pricing and provisioning
• National Credit Act 
• IFRS9 and IFRS17
• Regression Model and overarching granting rules 
• Capitec Bank’s Credit Policy (including collections and recoveries policies)
• Central Collections and Recoveries (external debt collection and debt review) environment 

Ideal:

• Extensive understanding of banking and credit

Skills

• Commercial Thinking Skills
• Decision making skills
• Leadership Skills
• Management skills
• Problem solving skills

Competencies

• Coping with Pressures and Setbacks
• Persuading and Influencing
• Planning and Organising
• Relating and Networking
• Working with People
• Writing and Reporting
• Creating and Innovating
• Presenting and Communicating Information

Conditions of Employment

• Clear criminal and credit record