Specialist: Credit Book Control - Pipeine at Capitec Bank

Purpose Statement

To minimise bad debt, enhance profit and mitigate risk for Capitec Business Bank through:

• Contributing deep expert knowledge towards the Credit Book Control strategy.
• Developing, implementing, monitoring, and reporting on the tactical solutions for pre-delinquent, collections and recoveries.
• Identifying high risk portfolios, clients and industries in distress – and providing subject matter expertise towards designing, implementing and monitoring optimal risk management solutions, policies and procedures.  

Experience

Minimum:

• At least 3 years within an ongoing-risk management role in a credit environment. 
• Applying data analytics for reporting and monitoring purposes.
• Credit analysis experience and influencing decision-tree strategies through the use of data analytics and processes.
• Influencing strategies.
• Business analysis: Design and implementation of processes and procedures.
• Process efficiencies: Draft of idea documents and business specifications.
• Project coordination
• Knowledge of / experience in commercial law. 

Ideal:

• 5 years of experience in an ongoing risk management role, in a credit environment.
• Drafting business plans. 
• Experience in building scorecard, i.e. behavioural, handover, collection scorecards etc.
• Experience in granting, collections and/or recoveries and/or intuitive / judgemental credit environment within the financial services sector.

Qualifications (Minimum)

• Bachelor's Degree in Finance or Credit Management

Qualifications (Ideal or Preferred)

• Honours Degree in Finance or Credit Management

Knowledge

Minimum:

• Sound understanding of credit and corporate legislation and processes.
• Banking and financial services industry practice.
• Collateral variants / types of processes.
• Risk management / disaster recovery and business continuity practices.
• Operations and process management.
• National Credit Act (NCA)
• Retail and/or Business credit products (Fixed term and facilities) 
• Collections and/or recoveries systems and processes 
• Programming language SQL and database structures
• Reporting and data analytics.
• Relationship building and management techniques.

Ideal:

• Retail and Business credit products (Fixed term and facilities) 
• Collections and recoveries systems and processes 
• Credit risk management throughout the credit life cycle (granting to book sale)
• National Credit Act (NCA)
• Consumer Protection Act (CPA)
• Banks Act and Basel III Risk Framework 
• Protection of Personal Information Act (POPI)
• Debt Collectors Act (DCA) 
• Capitec Bank’s Credit Policies
• Capitec Bank's banking system (Front- and Back-End)
• Knowledge of Capitec Bank’s Centralised Collections systems and processes