Latest Jobs at Capitec Bank

Purpose Statement

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

• To design and propose Tactical Credit Granting Policy Solutions.

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

Qualifications (Minimum)

• Honours Degree in Finance or Statistical Sciences

Qualifications (Ideal or Preferred)

• Masters Degree in Finance or Statistical Sciences

Knowledge

Min (Level Dependent):

• Retail credit lifecycle

• Retail credit market

• Retail credit IT systems architecture

• Retail credit profit models including pricing and provisioning

• Database querying software (ex. SQL)

• Statistical software (ex. SAS, R, Python)

• 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

• 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

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Purpose Statement

• To ensure the objectives, plans, processes and standards within the (Collections, Recoveries and Account Management  / Granting Model) function align with those of Credit Decision Support and Credit Management as a whole.

• To manage and lead a team of specialists within the (Collections, Recoveries and Account Management  / Granting Model) function to perform analysis to translate active business data into usable strategic information to inform the business on any critical and measurable credit and risk indicators.

Experience

Minimum:

• 5 yrs credit risk analytics environment experience and

• 2 yrs management experience including;

  • Leadership / management of people

  • Extraction and aggregation of data from large relational databases

  • Data mining and predictive modelling.

Ideal:

• 5 yrs Capitec Bank experience

• Relationship and stakeholder management

Qualifications (Minimum)

• Grade 12 National Certificate / Vocational

• Honours Degree in Science or Mathematics

Qualifications (Ideal or Preferred)

• Masters Degree in Mathematics or Statistics

Knowledge

• Analytics

• Project management methodologies

• IT implementation cycle

• Credit cycle

• Technical understanding and knowledge (different operating systems / databases / programming languages)

• General business acumen to identify the impact technical issues may have on design and delivery of solutions.

• Best practices and tools in credit risk

• Interpretation of user requirements and translation into business requirements specifications

• Retail credit environment / industry

• Confidentiality and intellectual property implications and constraints

• Interpretation of user requirements

• Translation of business requirements into business requirement specifications

• HR Management policy and procedure

• People management skills and techniques

Skills

• Communications Skills

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

• Attention to Detail

• Planning, organising and coordination skills

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

• Interpersonal & Relationship management Skills

• Leadership Skills

• Presentation Skills

• Facilitation Skills

• Analytical Skills

• Numerical Reasoning skills

• Reporting Skills

• Strategic Thinking Skills

Competencies

• Achieving Personal Work Goals and Objectives

• Delivering Results and Meeting Customer Expectations

• Adapting and Responding to Change

• Learning and Researching

• Presenting and Communicating Information

• Leading and Supervising

• Relating and Networking

• Writing and Reporting

Conditions of Employment

• Clear criminal and credit record