Specialist: Credit Profit Optimisation (Profitability) at Capitec Bank

Purpose Statement
To provide subject matter expertise towards enhancing credit profit optimisation, with specific focus on the Access Facility, in order to optimise Capitec Bank’s return on equity.

Experience
Minimum:

• At least 5 years’ experience in a Financial / Retail / Banking environment, of which:
• At least 2-3 years’ experience in credit risk analytics with experience in facilities and term loan products.
• Proven experience in development of credit risk models e.g., profit models, scorecards, propensity.
• Proven track record on using SQL, SAS, R or Python.
• Experience in credit pricing and profitability.
• Analytical experience on any credit portfolio.

Ideal:

• At least 3-5 years’ experience in credit risk analytics in retail banking.
• Experience in retail credit pricing and profitability modelling.
• Experience in retail credit granting/origination.

Qualifications (Minimum)

• Bachelor's Degree in Mathematics or Statistics

Qualifications (Ideal or Preferred)

• A relevant post graduate degree in Mathematics or Statistics

Knowledge
Minimum:

• Quantitative credit analytics
• Credit product profitability
• Advanced statistical analysis
• Advanced financial mathematics and data mining techniques
• Financial and business acumen
• Retail Credit Environment and credit life cycle

Ideal:

• Knowledge of Capitec’s Credit Policy
• General understanding of the Banks Act Capital Regulations, National Credit Act and the implication for Capitec business and the Credit Bureau.
• Credit industry knowledge
• Knowledge of data structures and systems
• Activity Based Costing (ABC) methodology and application
• Bank governance experience (ALCO, RiskCo, Credit Committee, etc)
• Credit origination systems and processes
• Strong data skills and understanding of different programming languages

Skills

• Communications Skills
• Attention to Detail
• Presentation Skills
• Analytical Skills
• Computer Literacy (MS Word, MS Excel, MS Outlook)

Competencies

• Deciding and Initiating Action
• Adhering to Principles and Values
• Applying Expertise and Technology
• Analysing
• Persuading and Influencing
• Formulating Strategies and Concepts
• Coping with Pressures and Setbacks
• Learning and Researching
• Delivering Results and Meeting Customer Expectations

Conditions of Employment

• Clear criminal and credit record