Specialist: Credit Quantitative Intelligence at Capitec Bank

Purpose Statement

• To monitor and manage credit risk by ensuring that the credit granting policy is correctly applied within the bank. Gathering relevant granting and application intelligence and deriving effective and useable management insight. 

• To design and propose Tactical Credit Granting Policy Solutions.

Qualifications (Minimum)

• Honours Degree in Finance or Risk Management

Qualifications (Ideal or Preferred)

• Masters Degree in Finance or Statistical Sciences

Experience

Minimum (Level Dependent):

Level 1

• Relevant post gradauate degree only

Level 2

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

Level 3

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

Ideal:

• Capitec Bank experience

Knowledge

Min (Level Dependent):

• Retail credit lifecycle

• Retail credit market

• Retail credit IT systems architecture

• Database querying software (including 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)

• SQL Skills

Competencies

• Delivering Results and Meeting Customer Expectations

• 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

Conditions of Employment

• Clear criminal and credit record