Specialist: Credit Employer Intelligence at Capitec Bank

Purpose Statement

• To manage Credit risk through tracking Credit Granting Employer Policy and by analysing Credit data and operational intelligence to derive effective and useable management insight.

• To design and propose Credit Granting Employer Policy Solutions.

Experience

Minimum (Level Dependent):

• Level 1

  • 1 year relevant retail credit analysis experience (incl. SQL programming)

• Level 2

  • 3 years relevant retail credit analysis experience (incl. SQL programming)

• Level 3

  • 5 years relevant retail credit analysis experience (incl. SQL programming)

Ideal:

• Capitec Bank experience

Qualifications (Minimum)

• Bachelor's Degree in Financial Sciences or Statistical Sciences

Qualifications (Ideal or Preferred)

• Masters Degree in Financial Sciences or Statistical Sciences

Knowledge

Min:

• Retail credit lifecycle

• Retail credit market

• Database querying software (ex. SQL)

• National Credit Act (NCA)

• Consumer Protection Act (CPA)

• Banks Act and Basel III Risk Framework

• Protection of Personal Information Act (POPI)

• Project management principles

• Credit affordability assessment regulations

Ideal:

• Capitec Bank’s credit policy and systems

Skills

• Communications Skills

• Reporting Skills

• Presentation Skills

• Interpersonal & Relationship management Skills

• Facilitation Skills

• Commercial Thinking Skills

• Project Management Skills (Methodolgy Specific)

• Analytical Skills

• Numerical Reasoning skills

• Computer Literacy (MS Word, MS Excel, MS Outlook)

• Programming skill (SAS, SQL, R, Python)

Competencies

• Presenting and Communicating Information

• Coping with Pressures and Setbacks

• Creating and Innovating

• Deciding and Initiating Action

• Analysing

Conditions of Employment

• Clear criminal and credit record