Capitec Bank Manager: Credit Risk (Retail) Jobs in South Africa

Capitec Bank Manager: Credit Risk (Retail) Jobs in South Africa


Purpose Statement

  • To recommend strategic changes to credit policy so that retail credit portfolios are operating at their optimal by ensuring the bank stays on bad debt risk appetite.

  • To determine how bad debts are performing against budgets/forecasts and pricing targets, and to monitor actual bad debts against pricing target to ensure alignment with risk appetite.

  • To enable clarity and understanding of bad debt matters within the Retail Credit Team, the Executive and Board

  • Promote efficiency and clarity by:
    reporting on the impact of bad debts (including recoveries) on credit portfolio profit in a clear and reconciled manner;

  • establishing a shared language, way of work and shared tools, across departments involved in bad debt management and reporting.

    Experience

    Minimum:

  • Proven track record on SQL, SAS, R or Python

  • At least 7 years’ proven experience in Credit within the financial services / retail banking industry

  • At least 3 years’ experience in bad debt provisions or collections, pricing and profitability measurement as well as related systems, processes and procedures

    Experience in:

  • Drafting business plans, presenting and finalising strategies

  • Business analysis: Design and implementation of processes and procedures

    Ideal:

  • At least 5 – 6 years’ experience in bad debt provisions or collections, pricing and profitability measurement as well as related systems, processes and procedures in retail banking

  • Experience in Capitec

    Qualifications (Minimum)

  • A relevant tertiary qualification in Accounting - Management Accounting or Mathematics

    Qualifications (Ideal or Preferred)

  • Masters Degree in Accounting - Management Accounting or Mathematics

    Knowledge

    Minimum:

  • Credit statistics

  • Business Analytics

  • Understanding of accounting, budgeting, pricing and provisioning principles in a bank

  • Income statement and balance sheet accounting transactions of a bank

  • Project management principles and methodologies (able to maintain continuity on multiple projects, time management, planning and organisational skills).

  • Financial systems & procedures.

  • Regulations pertaining to credit management.

  • Credit management systems

  • Unsecured credit, including credit facilities and credit cards.

    Ideal:

  • In depth 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.

  • Strong credit industry knowledge.

  • Business analysis experience on a banking system.

  • Analytical experience on credit portfolio.

  • Bank governance experience (ALCO, Risk Committee, Credit Committee, etc).

  • Book management – soft and hard collections and pay date management.

  • Payment systems (Authenticated Collections, Debit Order and Non-Authenticated Early Debit Order).

    Skills

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

  • Communications Skills.

  • Negotiation skills.

  • Change Management Skills.

  • Numerical Reasoning skills.

  • Attention to Detail.

    Competencies

  • Deciding and Initiating Action.

  • Adhering to Principles and Values.

  • Analysing.

  • Coping with Pressures and Setbacks.

  • Adapting and Responding to Change.

  • Delivering Results and Meeting Customer Expectations.

  • Planning and Organising.

  • Working with People.

  • Presenting and Communicating Information.

  • Entrepreneurial and Commercial Thinking.

    How to Apply

  • For more information and job application details, see; Capitec Bank Manager: Credit Risk (Retail) Jobs in South Africa


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