Vacancies at Capitec Bank

Purpose Statement

• To manage the credit risk by monitoring that the credit policy is correctly implemented and has the desired impact within the bank, and by analysing credit data and operational intelligence to derive useful management insight.

Experience

• 3 years’ experience in credit monitoring, reporting and / or analysis
• 3 years analysis with the application of MS Excel and SQL

Ideal

• 3 years’ experience within Capitec Bank Credit Operations
• Power BI reporting exposure

Qualifications (Minimum)

• A relevant tertiary qualification in Finance or Mathematics

Knowledge

Knowledge of the following areas are required to perform the job:

• Audit or credit principles and procedures
• The National Credit Act (NCA) and the implication for Capitec business and the Credit Bureau.

Skills

• Communications Skills
• Reporting Skills
• Computer Literacy (MS Word, MS Excel, MS Outlook)
• SQL Skills
• Qlikview Skills
• Analytical Skills
• Problem solving skills
• Decision making skills
• Attention to Detail

Conditions of Employment

• Clear criminal and credit record

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Purpose Statement

• To manage the end-to-end value chain of one of the Capitec Bank Secured Credit portfolio:
• Home Loans (Residential and Commercial)
• To minimize the risk of loss through bad debts, and maximise profits for the business through effective execution of credit application, evaluation and approval processes
• To deliver an excellent client experience and ensure that the quality of credit risks across the portfolio is maintained.

Experience

MINIMUM

• At least 5 - 7 years within a financial services environment including Credit Management experience across Personal and Business markets
• Of which minimum 3 years in a portfolio / process management role
• Involved in the management of secured credit portfolio

IDEAL

• 7+ years Credit Management experience across Personal and Business markets
• Experience in Intuitive Credit Granting

Qualifications (Minimum)

• Bachelor's Degree in Accounting - Management Accounting or Economic and Management Sciences

Qualifications (Ideal or Preferred)

• A relevant post-graduate qualification in Accounting - Management Accounting or Economic and Management Sciences

Knowledge

MINIMUM

• Secured lending product knowledge (Home Loans)
• Strategic Credit Risk Management
• Understanding of SME environment
• Credit Risk strategic experience across the credit life cycle
• Understanding of Project Management methodologies and processes
• People Management principles and practices
• Stakeholder management principles and practices
• Financial Management
• In-depth understanding of the NCA
• Understanding of systems, automation and technology in a secured lending environment

IDEAL

• Knowledge of Intuitive Credit Granting
• Management of Secured Credit portfolios (Home loans)
• Agile project methodology

Skills

• Analytical Skills
• Commercial Thinking Skills
• Computer Literacy (MS Word, MS Excel, MS Outlook)
• Decision making skills
• Problem solving skills

Competencies

• Analysing
• Analysing_Critical Thinking
• Analysing_Evaluating and Implementing Ideas
• Analysing_Reading Effectively
• Analysing_Solving Complex Problems
• Analysing_Testing and Troubleshooting
• Analysing_Thinking Broadly
• Analysing_Using Math
• Analysing_Working with Financial Information
• Coping with Pressures and Setbacks
• Coping with Pressures and Setbacks_Demonstrating Tenacity and Perseverance
• Coping with Pressures and Setbacks_Displaying Confidence and Composure
• Coping with Pressures and Setbacks_Maintaining Work-Life Balance
• Coping with Pressures and Setbacks_Managing Stress
• Delivering Results and Meeting Customer Expectations
• Delivering Results and Meeting Customer Expectations_Championing Customer Needs
• Delivering Results and Meeting Customer Expectations_Delivering High Quality Work
• Delivering Results and Meeting Customer Expectations_Meeting Basic Work Expectations
• Delivering Results and Meeting Customer Expectations_Serving Customers
• Entrepreneurial and Commercial Thinking
• Entrepreneurial and Commercial Thinking_Controlling Costs
• Entrepreneurial and Commercial Thinking_Entrepreneurial Thinking
• Entrepreneurial and Commercial Thinking_Leveraging Opportunities
• Entrepreneurial and Commercial Thinking_Navigating Organisations
• Persuading and Influencing
• Persuading and Influencing_Making a Strong Impression
• Persuading and Influencing_Making Convincing Arguments
• Persuading and Influencing_Negotiating Agreements
• Planning and Organising
• Planning and Organising_Coordinating Project Activities
• Planning and Organising_Driving Projects to Completion
• Planning and Organising_Managing Resources
• Planning and Organising_Prioritising and Organising Work
• Presenting and Communicating Information
• Presenting and Communicating Information_Communicating Effectively
• Presenting and Communicating information_Presenting and Public Speaking
• Working with People
• Working with People_Adapting to Others
• Working with People_Assessing and Understanding People
• Working with People_Attentive Listening
• Working with People_Building and Supporting Teams
• Working with People_Demonstrating Appreciation
• Working with People_Demonstrating Self-Insight and Awareness
• Working with People_Managing from a Distance
• Working with People_Resolving Conflict
• Working with People_Sharing Information
• Working with People_Showing Caring and Understanding
• Working with People_Supporting Coworkers
• Working with People_Teaching

Conditions of Employment

• Clear criminal and credit record