Senior Specialist: Instalments (EPDM) at Capitec Bank

Purpose Statement

• To monitor and manage credit risk by ensuring that the credit policy is correctly applied within the bank, gathering relevant operational intelligence, managing knowledge of the unsecured credit market and reporting to management
• To ensure operational effectiveness of the specialist credit area of responsibility (internal arrears drivers, external arrears drivers).

Qualification (Minimum)

• Grade 12
• Bachelor's degree in relevant discipline e.g. Financial Management, Information Systems

Qualifications (Ideal or Preferred)

• A relevant 3 year degree in Finance/Business (i.e. B.Comm or equivalent)

Experience

At least 4 - 6 years' managerial experience in the financial services sector, plus at least 2 years' Credit management experience at management level (i.e. BM level and above). In addition,

Be aware of the following legislative requirements

• NCA (National Credit Act)
• CPA (Consumer Protection Act)
• Operate within the rules of the following regulatory bodies:
• National Credit Regulator (NCR)
• SA Reserve Bank (SARB)

Understand the workings of the following Payment streams:

• EDO
• AC
• EFT

Knowledge

Min:
Knowledge of:

• Credit risk management
• The retail credit industry
• Budgeting and accounting principles
• The National Credit Act (NCA)
• Government and employer administration
• Central Collections environment
• Regression modelling and overarching granting rules

Ideal:
Knowledge of:

• Capitec Bank's Credit Policies
• Capitec Bank's affordability calculations (past and present), including arrears and provisioning
• Capitec Bank's banking system (Front- and Back-End)

Skills

• Communications Skills
• Computer Literacy (MS Word, MS Excel, MS Outlook)
• Reporting Skills
• Negotiation skills
• Interpersonal & Relationship management Skills
• Presentation Skills
• Facilitation Skills
• Project Management Skills (Methodolgy Specific)
• Analytical Skills
• Numerical Reasoning skills
• Problem solving skills
• Leadership Skills

Additional Information

• Clear criminal and credit record
• Contactable via own mobile phone
• A valid driver's license and own vehicle is required
• Willingness to travel nationally if and when required
• Willing to work additional hours on occasion upon request
• Ability and willingness to work in an open plan environment