Manager: Secured Credit at Capitec Bank

Purpose Statement

• To manage the end-to-end value chain of one of the Capitec Bank Secured Credit portfolio:
• Home Loans (Residential and Commercial)
• To minimize the risk of loss through bad debts, and maximise profits for the business through effective execution of credit application, evaluation and approval processes
• To deliver an excellent client experience and ensure that the quality of credit risks across the portfolio is maintained.

Experience

MINIMUM

• At least 5 - 7 years within a financial services environment including Credit Management experience across Personal and Business markets
• Of which minimum 3 years in a portfolio / process management role
• Involved in the management of secured credit portfolio

IDEAL

• 7+ years Credit Management experience across Personal and Business markets
• Experience in Intuitive Credit Granting

Qualifications (Minimum)

• Bachelor's Degree in Accounting - Management Accounting or Economic and Management Sciences

Qualifications (Ideal or Preferred)

• A relevant post-graduate qualification in Accounting - Management Accounting or Economic and Management Sciences

Knowledge

MINIMUM

• Secured lending product knowledge (Home Loans)
• Strategic Credit Risk Management
• Understanding of SME environment
• Credit Risk strategic experience across the credit life cycle
• Understanding of Project Management methodologies and processes
• People Management principles and practices
• Stakeholder management principles and practices
• Financial Management
• In-depth understanding of the NCA
• Understanding of systems, automation and technology in a secured lending environment

IDEAL

• Knowledge of Intuitive Credit Granting
• Management of Secured Credit portfolios (Home loans)
• Agile project methodology

Skills

• Analytical Skills
• Commercial Thinking Skills
• Computer Literacy (MS Word, MS Excel, MS Outlook)
• Decision making skills
• Problem solving skills

Competencies

• Analysing
• Analysing_Critical Thinking
• Analysing_Evaluating and Implementing Ideas
• Analysing_Reading Effectively
• Analysing_Solving Complex Problems
• Analysing_Testing and Troubleshooting
• Analysing_Thinking Broadly
• Analysing_Using Math
• Analysing_Working with Financial Information
• Coping with Pressures and Setbacks
• Coping with Pressures and Setbacks_Demonstrating Tenacity and Perseverance
• Coping with Pressures and Setbacks_Displaying Confidence and Composure
• Coping with Pressures and Setbacks_Maintaining Work-Life Balance
• Coping with Pressures and Setbacks_Managing Stress
• Delivering Results and Meeting Customer Expectations
• Delivering Results and Meeting Customer Expectations_Championing Customer Needs
• Delivering Results and Meeting Customer Expectations_Delivering High Quality Work
• Delivering Results and Meeting Customer Expectations_Meeting Basic Work Expectations
• Delivering Results and Meeting Customer Expectations_Serving Customers
• Entrepreneurial and Commercial Thinking
• Entrepreneurial and Commercial Thinking_Controlling Costs
• Entrepreneurial and Commercial Thinking_Entrepreneurial Thinking
• Entrepreneurial and Commercial Thinking_Leveraging Opportunities
• Entrepreneurial and Commercial Thinking_Navigating Organisations
• Persuading and Influencing
• Persuading and Influencing_Making a Strong Impression
• Persuading and Influencing_Making Convincing Arguments
• Persuading and Influencing_Negotiating Agreements
• Planning and Organising
• Planning and Organising_Coordinating Project Activities
• Planning and Organising_Driving Projects to Completion
• Planning and Organising_Managing Resources
• Planning and Organising_Prioritising and Organising Work
• Presenting and Communicating Information
• Presenting and Communicating Information_Communicating Effectively
• Presenting and Communicating information_Presenting and Public Speaking
• Working with People
• Working with People_Adapting to Others
• Working with People_Assessing and Understanding People
• Working with People_Attentive Listening
• Working with People_Building and Supporting Teams
• Working with People_Demonstrating Appreciation
• Working with People_Demonstrating Self-Insight and Awareness
• Working with People_Managing from a Distance
• Working with People_Resolving Conflict
• Working with People_Sharing Information
• Working with People_Showing Caring and Understanding
• Working with People_Supporting Coworkers
• Working with People_Teaching

Conditions of Employment

• Clear criminal and credit record