Specialist: Credit Book Control – Pipeine
Date:Â 11 Jan 2024
Location:Â GT, ZA
Company:Â Capitec Bank Ltd
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This advert is purposed at attracting talent for future dated opportunities.
We’re on the lookout for energetic, self-motivated individuals who share our passion for service in the banking industry. To be part of the journey, follow the steps below:
1. To see what life at Capitec is all about and complete a short assessment, please click here!
2. Once you have completed the above finalize your application by clicking apply below
Purpose Statement
To minimise bad debt, enhance profit and mitigate risk for Capitec Business Bank through:
- Contributing deep expert knowledge towards the Credit Book Control strategy.
- Developing, implementing, monitoring, and reporting on the tactical solutions for pre-delinquent, collections and recoveries.
- Identifying high risk portfolios, clients and industries in distress – and providing subject matter expertise towards designing, implementing and monitoring optimal risk management solutions, policies and procedures.
Experience
Minimum:
- At least 3Â years within an ongoing-risk management role in a credit environment.
- Applying data analytics for reporting and monitoring purposes.
- Credit analysis experience and influencing decision-tree strategies through the use of data analytics and processes.
- Influencing strategies.
- Business analysis: Design and implementation of processes and procedures.
- Process efficiencies: Draft of idea documents and business specifications.
- Project coordination
- Knowledge of / experience in commercial law.
Ideal:
- 5 years of experience in an ongoing risk management role, in a credit environment.
- Drafting business plans.
- Experience in building scorecard, i.e. behavioural, handover, collection scorecards etc.
- Experience in granting, collections and/or recoveries and/or intuitive / judgemental credit environment within the financial services sector.
Qualifications (Minimum)
- Bachelor’s Degree in Finance or Credit Management
Qualifications (Ideal or Preferred)
- Honours Degree in Finance or Credit Management
Knowledge
Minimum:
- Sound understanding of credit and corporate legislation and processes.
- Banking and financial services industry practice.
- Collateral variants / types of processes.
- Risk management / disaster recovery and business continuity practices.
- Operations and process management.
- National Credit Act (NCA)
- Retail and/or Business credit products (Fixed term and facilities)
- Collections and/or recoveries systems and processes
- Programming language SQL and database structures
- Reporting and data analytics.
- Relationship building and management techniques.
Ideal:
- Retail and Business credit products (Fixed term and facilities)
- Collections and recoveries systems and processes
- Credit risk management throughout the credit life cycle (granting to book sale)
- National Credit Act (NCA)
- Consumer Protection Act (CPA)
- Banks Act and Basel III Risk Framework
- Protection of Personal Information Act (POPI)
- Debt Collectors Act (DCA)
- Capitec Bank’s Credit Policies
- Capitec Bank’s banking system (Front- and Back-End)
- Knowledge of Capitec Bank’s Centralised Collections systems and processes
Skills
- Problem solving skills
- Interpersonal & Relationship management Skills
- Analytical Skills
- Influencing Skills
- Computer Literacy (MS Word, MS Excel, MS Outlook)
Conditions of Employment
- Clear criminal and credit record
- Willingness to work or be available overtime and / or weekends frequently
- Willingness to travel nationally on a regular basis
- A valid driver’s license and own vehicle is required
Capitec is committed to diversity, applications to this position will strictly be considered in support of our employment equity goals.