Capitec Bank Legal Jobs in Gauteng
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Purpose Statement
This job reports into the Head: Credit Book Control and Recoveries, and assumes responsibility for maximising Stage 3 recoveries and impairment releases and minimising Stage 3 recovery costs and impairment raises for Capitec Business (“CB”) and Capitec Rental Finance (“CRF”). This will be achieved through:
Assuming accountability for providing strategic direction to Legal Recoveries’ personnel, operations, data application, recovery tactics, litigation, insolvencies, outsourcing and campaigns; and
Ensuring the optimal realisation of collateral securing the non-performing loan portfolios of CB ad CRF.
Experience
Minimum:
- 8 – 10 years in a banking / legal environment comprising of at least
- 4 years at a managerial level and
- 4 years in a Recoveries space
- Managerial experience in Capitec Bank Limited or another financial institution in the same
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Qualifications (Minimum)
- Bachelor's Degree in Law or Commerce
Qualifications (Ideal or Preferred)
- A relevant post-graduate qualification in Commerce or Business Administration
Knowledge
Minimum:
- Up-to-date knowledge of legislation and regulations relevant to the Collections and Recoveries environments
- Up-to-date knowledge of the Credit Risk regulatory requirements
- Protection of Personal Information Act (POPIA)
- Basel II
- Banking and Financial Services Industry
- Strategic credit risk management
- Advanced knowledge of the debt collection processes
- Entire credit life-cycle
- Broad business knowledge and acumen
- Advanced knowledge of the National Credit Act, 2005; the Insolvency Act, 1936; the Companies Act, 2008; the Administration of Estates Act, 1965; and the Consumer Protection Act, 2008.
Ideal:
Understanding of:
- Commercial, business, entrepreneurial and financial principles and practices
- Governance and risk management principles
- Data analytics
Skills
- Project Management Skills (Methodology Specific)
- Problem-solving skills
- Leadership Skills
- Decision-making skills
- Analytical Skills
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