Job Opportunities at Intelligent Debt Management

Job Description
Reporting Accountant – Newly Qualified (CA)SA

• The Finance department of Intelligent Debt Management (IDM), a Financial Services group based in Cape Town, seeks a newly qualified CA(SA) to join the Finance team. The role of the successful candidate will be as a Junior Reporting Accountant and will report directly to the Group Finance Manager. The candidate must be highly efficient, energetic, motivated, ambitious and willing to learn, as well as being prepared to make a commitment to the business in the medium to long term.

Key Responsibilities:

Responsibilities include, but are not limited to:

• Maintaining the general ledger
• Group revenue calculation and journals
• Posting of monthly journals
• Year end audit responsibilities i.e. liaising with auditors and assisting with the preparation of Annual Financial Statements
• Advising on appropriate accounting treatment of complex transactions
• Preparation of managements accounts and group consolidation
• Fair value calculation for insurance cell captive
• Balance sheet reconciliations
• Tracking and monitoring the Short-Term insurance business
• Bank reconciliations for insurance business. Reconciling premiums and claims bank accounts and review of Bordereaux submissions
• Payment of Claims and Reconciliation of claims account to board submissions
• Calculation of the claims reserve
• Maintain the fixed assets register
• Maintaining and updating loan amortisations schedules
• Review of supplier invoices and supplier recons
• Detailed monthly tax calculations (Income Tax and Deferred Tax)
• Performing balance sheet recons/monthly review of balance sheet
• Reviewing monthly VAT returns
• Supporting Finance Manager and Head of Finance with ad hoc projects

Key Competencies:

• Be fluent in spoken and written English
• Have strong attention to detail and accuracy
• Have strong planning, organizing and time management skills
• Be able to work independently as well as be a team player
• Be able to multi-task effectively
• Have strong communication and interpersonal skills
• Be self-motivated, by taking an interest in the job, and obtaining satisfaction from the achievement of a job well done.

Key benefits:

• This role follows a hybrid work structure where the successful candidate can work remotely for two days of the week; or from the office, based on the demands of specific tasks or personal work preferences.
• We make sure our employees are mentally and physically healthy with Healthy Together campaigns throughout the year.
• We offer company benefits – like subsidized lunches, medical aid, retirement annuity, and further study opportunities should you meet relevant requirements.
• We have a culture of growth, meaning you have access to move both upwards or across in the business if you want to.
   

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What's in it for you?

• Being South Africa’s largest company of its kind – IDM is continuously growing, with no signs of stopping.
• One of our core values is ‘growing people’ and we take that very seriously. We have internal learning opportunities to better our people, and leaders who are experts in their fields and freely impart knowledge and are open to new ideas. As one of our people said, “you can speak to anyone here. Your rank doesn’t matter. You are listened to.” Our culture is one of collaboration, diversity, and helpfulness. That goes for our people internally and how we deal with our clients.
• At IDM, you can play a part in educating and assisting real South Africans get out of tough financial situations. You can make a difference with the work you do. Our people believe this too – one said, “I wake up each day knowing I am going to make a difference.”

Other key benefits:

• We make sure our employees are mentally and physically healthy with Healthy Together campaigns throughout the year.
• We offer various rewards and awards as tokens of recognition for hard work.
• We have a vibrant office in a lively part of the city, meaning you have easy access to stores and outlets if you need.
• We offer company benefits – like subsidized lunches, a half day off on your birthday, medical aid, retirement annuity, and further study opportunities should you meet relevant requirements.
• We have a culture of growth, meaning you have access to move both upwards or across in the business if you want to.

Key responsibilities:

• Work with internal and external customers to analyse needs and align product roadmap to strategic goals.
• Owns the product roadmap.
• Develop scope and define backlog items (epic/features/user stories) that guide the Agile software development team.
• Solve product-related problems, make decisions, and complete trade-off analysis to stay on track toward business deliverable commitments.
• Draft key objectives and results, and strategies and apply the data for the product to make business decisions.
• Possess a fundamental understanding of end-to-end customer experience integration and dependencies.
• Collaborate with stakeholders during the visioning and concept development of a product.
• Accountable for the created product(s), delivering in the product model, and communicating the product needs with business partners.
• Asses value develops cases, and prioritize stories, epics, and themes to ensure work focuses on those with a maximum value that are aligned with product strategy.
• Identifies and helps the client understand the business model, value, and value proposition.
• Develop and maintain an appropriately prioritized backlog of user stories for implementation.
• Act as an ambassador for the product internally and externally and as the primary contact for queries related to the product.
• Develop appropriately detailed specifications for the product features so they are clearly understood by the development teams.
• Represents the team in front of stakeholders, clients, or users.
• Work closely with product management and senior management in order to create a product that fits the company portfolio.
• Research and analyze the market, the users, and the roadmap for the product
• Follow our competitors and the industry
• Increase an understanding of Agile practices, new technology opportunities, and other new trends.

Minimum requirements:

• Degree in relevant areas. Commerce, IT, Data, Project Management, Engineering, etc.
• 3 to 15 years of experience in the areas of product management, product ownership and/or development.
• Understanding of different technology platforms, their features and being able to work with solution architects/engineering leads and write detailed product requirement documents, manage future roadmaps and deliverables 
• Ability to function with a high degree of autonomy 
• Able to continuously balance between the customer and commercial needs
• Customer experience design of digital products and services
• Analytics/AB/multivariate testing and related tools 
• Data-driven decision making 

Advantageous requirements:

• 5 years experience in data-intensive or fintech industries.
• Experience with coding languages
• Experience with project management systems like Jira.
• Worked with credit or transactional data.
• Experience in agile methodologies, such as Scrum, Kanban, Test Driven Design and Behavioural Driven Design
   

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Job Description
Legal Manager - Claims

• IDM Protect and Debtbusters are looking for a motivated self-starter to head up the new Legal Claims division for Debtbusters Legal. Debtbusters Legal will provide personal lines legal insurance policies to its customers. The successful candidate will join an environment where the status quo is always challenged, and client satisfaction is paramount.
• This role will include, amongst other responsibilities, the oversight of a team providing legal advice and services to policyholders. The role will provide the opportunity to grow and develop the candidate’s leadership skills whilst encouraging innovative and transformational leadership practices. The candidate will be intricately involved in systems implementation and design, process development and team selection, motivation and measurement.

The incumbent will be responsible for the creation and management of the new Legal claims division which will include:

• Recruiting the new Legal Claims team members
• Designing processes and procedures for the division
• Manage, motivate and measure the performance of the team and members of the team
• Prescribe and apply appropriate internal controls and internal financial controls
• Select and manage a panel of external attorneys to represent Debtbusters Legal
• Manage the claims process within agreed upon Key Measurement factors
• Prepare the budget for the division and manage performance against the budget, key measurement factors and ratios
• Work closely with the Executives and Management in the IDM Group
• Prepare monthly reports and report on the operations and performance of the division
• Ensure that performance of the division attains the desired customer satisfaction levels
• Ensure that regulatory and statutory obligations are adhered to

Key Requirements:

• LLB Degree
• Previous personnel lines legal claims management experience 
• Insurance compliance exposure
• Apply and demonstrate systems thinking and critical thinking principles
• Be able to create an environment that drives performance and IDM culture
• Exceptional communication skills both verbal and written
• Reporting abilities, data analysis and interpretation
• Have a record of an excellent work ethic
• Preference will be given to FAIS compliant individuals

Key benefits:

• We make sure our employees are mentally and physically healthy with Healthy Together campaigns throughout the year.
• We offer company benefits – like subsidized lunches, medical aid, retirement annuity, and further study opportunities should you meet relevant requirements.
• We have a culture of growth, meaning you have access to move both upwards or across in the business if you want to.

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Job Description

• IDM’s Marketing Department is expanding and continuously introducing new channels.
• In assisting us to ensure great optimization of lead generation and campaigning, the IDM Marketing Department is now looking for a Junior Data Analyst who will be responsible for data analytics and reporting. The successful candidate will form part of an excelling and growing Marketing Analytics team.

Key responsibilities:

• Answer critical business questions by;
  • Investigating,
  • Detect anomalies and outliers (Monitor),
  • Find trends,
  • And share recommendations
• Drive efforts for continuous data accuracy and quality improvement in Spreadsheets, reports and dashboards
• Assist the marketing department with optimizing lead generation and ROI through analysis
• Prioritize new ad-hoc report and data analytics requests and deliver accordingly
• Develop analytics and understanding around our clients and the client journey, to guide and support Marketing campaigns
   

Key requirements and qualifications:

• A university degree; preferably in Mathematics/Statistics, Computer science or Informatics
• Advanced knowledge of MS Excel and MSSQL
• Experience in Business/Data Analytics will be advantageous
• Knowledge of BI tools such as Power BI and SSRS will be advantageous
• Must be criminal and credit clear

Key competencies

• Attention to detail with focus on accuracy
• Outstanding analytical and conceptual skills and the ability to problem solve in complex environments
• Able to work independently and use own initiative
• Results driven with focus on quality
• Planning, prioritizing, organizing and resource management
• Honest, responsible, accountable
• Excellent verbal and written skills

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Job Description

• We are looking for an intelligent and creative individual to join the IDM team. IDM is growing quickly and needs a Data & Optimization Analyst to support and enhance JustMoney and IDM’s digital platforms.

What does IDM offer its employees?

• Hybrid (onsite and remote) work environment
• Competitive packages, including medical and RA contributions
• A values and purpose driven working culture
• Bursary program and encouragement to pursue future studies
• Merrit based promotions in a fast growing company

Minimum requirements:

• Minimum 3 years of experience within the financial services or digital platform industries.
• A university degree; preferably in Statistics, Mathematics, Computer science, Engineering or Informatics.
• Knowledge and experience with MS office suites, MSSQL, Azure, and Postgres SQL is advantageous.
• Knowledge of BI tools such as Power BI, YellowFin, and SSRS will be advantageous.
• Data-driven decision making 
• Experience in Financial Services or Retail industry or high-growth businesses
• Excellent organisational skills with the ability to juggle many tasks without losing sight of the highest priority items and able to stay focused under pressure
• Passionate about knowledge sharing

Key responsibilities:

• Help drive efforts for continuous data accuracy and quality improvement
• Maintain and develop automated reports and dashboards
• Interact with external parties to manage the onboarding of new data vendors, integrations and analytics tools
• Develop and automate key business metrics and KPIs for the various business units
• Prioritise new ad-hoc report and data analytics requests and deliver accordingly
• Present insights back to business stakeholders
• Build data visualizations to improve access and visibility into the content from all key reports and our data in general
• Be the translator between Business, Product, and the Data teams on data needs
• Continuously upskill and stay abreast of new developments in Data Analysis & BI tools, methodologies, and applications
   

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Who is IDM

• Are you looking to use your newly earned qualification not only in the finance sector but also to add meaning and purpose to your career? If so, IDM is the place to be.
• The work we do and the way we do it make a real, lasting difference to the lives of those we reach.
• As an award-winning industry leader in financial advice and solutions, IDM is positioned to operate in a largely underserved market and will continue to grow. We have big plans for our future, and that could include you!
• The people who thrive here genuinely care about making a difference, are self-motivated and driven, creative thinkers and collaborators, and are hungry to learn and grow.
• If you’re keen to gain diverse work experience and personal and professional growth within a supportive and vibrant culture, then send your application through! We can’t wait to hear from you.

What you can expect from your first year at IDM:

• Communication with clients you are helping on an ongoing basis (no face-to-face Client Service/Sales).
• Exposure to the biggest Financial Service Providers, including the big 5 banks
• Acquisition of expert knowledge of the National Consumer Act and Consumer rights.
• Opportunity to gain additional recognized qualifications and further study in the Financial Industry
• Operating from a professional office environment, equipped with everything you need for success
• Connection and networking with young, dynamic, and innovative co-workers.
• Possibility for amazing rewards and recognition
• Company benefits – like a half day off on your birthday, subsidised lunches, and more.
   

Key Responsibilities:

• Resolving client queries dealing with:
• Debt counselling;
• Additional financial services/products;
• The National Credit Act;
• Short/non-payment queries;
• Payment and debit order queries;
• Balances;
• Credit reports.
• Effective referral of clients to other products/services such as insurance (life, credit, funeral), bank accounts, credit monitoring tools, and other products
• Driving towards achieving client retention, PDA collection, admin fee collection, query resolution turnaround times;
• Educating and referring clients to the Company self-service client portal;
   

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Job Description
Business Analyst

• The Intelligent Debt Management (IDM) Group, South Africa’s largest and multi-award-winning debt management company, has a position available for a Business Analyst.
• The Business Analyst’s main role is to bridge the gap between business operations and technology and translate business requirements into technical requirements. The BA will work closely with the relevant business stakeholders and the various tech teams and assist the project managers in understanding the business objectives and how process and technology can deliver on them. The BA will actively be involved in gaining efficiencies in the business by understanding what processes can be automated effectively.
• Being South Africa’s largest company of its kind – IDM is continuously growing, with no signs of stopping.
• One of our core values is ‘growing people’ and we take that very seriously. We have internal learning opportunities to better our people and leaders who are experts in their fields and freely impart knowledge and are open to new ideas. Our culture is one of collaboration, diversity, and helpfulness. That goes for our people internally and how we deal with our clients.

Other key benefits:

• We make sure our employees are mentally and physically healthy with Healthy Together campaigns throughout the year.
• We offer various rewards and awards as tokens of recognition for hard work.
• We have a vibrant office in a lively part of the city, meaning you have easy access to stores and outlets if you need them.
• We offer company benefits – like subsidized lunches, a half day off on your birthday, medical aid, retirement annuity, and further study opportunities should you meet relevant requirements.
• We have a culture of growth, meaning you have access to move both upwards or across in the business if you want to.

RESPONSIBILITIES

• Engage with relevant business stakeholders; vendors and tech teams at all levels
• Reviewing business processes to gain a true understanding of how technology is used in the business and where the gaps are
• Actively assist the business in identifying what is causing inefficiencies in their operations to get to the actual problem and solution
• Assist project managers in getting the correct business requirements and translating them for the vendors and internal dev teams
• Actively assist in understanding what business processes to automate and working with the vendors and tech teams to deliver

EXPERIENCE & EDUCATION

• Great analytical, critical thinking, and problem-solving abilities
• Bachelor's degree in Business Analytics; Computer Science or related field
• 2+ years of professional experience in business analysis
• Strong organizational and communication abilities
• Good understanding of data models and data analytics

PERSONAL ATTRIBUTES

• Excellent negotiation skills
• Energetic & motivated
• Dependable, with a strong sense of ownership and follow-through
• Act with openness, honesty, and integrity
• Very good time management skills and ability to work with minimal supervision
• Can operate in high-pressure situations and can multitask without jeopardising judgment

WORKING ENVIRONMENT

• You will be the only business analyst on the team
• Requires mostly onsite presence at IDM’s premises with remote working for administrative days
• Engaging with internal stakeholders, technical resources, and vendors
• Provide coaching to junior project managers on business analysis capabilities
• Predominantly call centre environment with complex processes