Specialist: Credit Client Value Management at Capitec Bank

Purpose Statement

• To enhance the competitiveness and relevance of Capitec’s retail credit products, and enable the New / Existing Credit Client Strategy Department to deliver client value through:
• Enabling insights on trends in client credit behaviour through analytical groundwork. 
• Supporting the design monitoring of Capitec’s credit behavioural profiling- and credit education tools that will provide understanding of client behaviours and preferences. 

Experience

Minimum:

• 3 - 4 years relevant retail credit analysis experience.
• Experience in behavioural analysis. 
• Client journey mapping
• Experience with Experimentation, champion challenger techniques. 
• Experience in delivering a product or tool, through working with various internal and external stakeholders.
• Data visualisation 

Ideal:

• 4+ years relevant retail credit analysis experience
• Experience in behavioural economics
• Previous experience in leading initiatives in a retail credit environment

Qualifications (Minimum)

• A relevant post graduate degree in Economic and Management Sciences or Business Analysis

Qualifications (Ideal or Preferred)

• A relevant post graduate degree in Economic and Management Sciences or Business Analysis

Knowledge

Minimum:

• Creating tactics to influence client behaviour
• Client journey analysis
• Retail credit lifecycle and market
• Database querying software (ex. SQL), Data and analytics
• Client engagement solutions including direct marketing segmentation
• Relevant legislation, for example National Credit Act (NCA) Consumer Protection Act (CPA), Protection of Personal Information Act (POPI)
• Banks Act and Basel III Risk Framework
• Project management principles
• Credit affordability assessment regulations.

Ideal:

• Capitec Bank’s credit policy and systems
• Product lifecycle 
• Retail credit IT systems architecture
• Retail credit profit models including pricing and provisioning
• Data visualisation technologies