Banking Jobs In Western Cape : Credit Specialist - Affordability Intelligence at Capitec Bank
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Purpose Statement
To optimise the credit granting affordability assessment by analysing Credit data and operational intelligence to derive effective and useable management insight.
Experience (Minimum)
- 2 years retail credit analysis experience (incl. SQL programming)
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Qualifications (Minimum)
- Grade 12 National Certificate / Vocational in Mathematics
Qualifications (Ideal or Preferred)
- A relevant post graduate degree in Finance or Statistics
Knowledge
Minimum:
- 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
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Ideal:
- Capitec Bank’s credit policy and systems
Skills
- Reporting Skills
- Business writing skills
- Presentation Skills
- Communications Skills
- Interpersonal & Relationship management Skills
- Facilitation Skills
- Commercial Thinking Skills
- Planning, organising and coordination skills
- Analytical Skills
- Numerical Reasoning skills
- Computer Literacy (MS Word, MS Excel, MS Outlook)
- SAS Skills
- SQL Skills
- R skills
- Python skills
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Additional Information
- Clear criminal and credit record
- A valid driver's license and own vehicle is required
- Willingness to travel nationally if and when required
- Willingness to work or be available overtime and / or weekends if required
- Ability and willingness to work in an open plan environment
How To Apply
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