Capitec Bank Banking Jobs in Western Cape
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Purpose Statement
- To recommend strategic changes to credit policy using profit optimisation based decision analyses, at both the portfolio and segmented level.
- Manage credit risk as the first line of defence, through a focus on understanding the development of bad debt as against Board approved risk appetite targets.
- Act as the catalyst for Credit profit optimisation to encourage a shared language, way of work and shared tools, across departments involved in target setting and monitoring of the credit life cycle.
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Experience
Min:
- At least 7 years’ proven experience in Credit within the financial services / retail banking industry
- At least 3 years’ experience in product costing, 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
- Managing a team of specialists/professionals
Ideal:
- At least 5 – 6 years’ experience in product costing, pricing and profitability measurement as well as related systems, processes and procedures in the financial services / retail banking
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Qualifications (Minimum)
- A relevant post graduate degree in Commerce
- A Relevant Professional Qualification in Accounting - Financial Accounting or Accounting - Management Accounting
Qualifications (Either/or)
- Qualified Chartered Accountant (CA)
- A relevant qualification in CIMA
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Knowledge
Knowledge of the following areas are required to perform the job:
Min:
- Business Analytics
- Understanding of accounting, budgeting, costing, pricing and provisioning principles as applied 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
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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, Riskco, 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
- Communications Skills
- Networking
- Computer Literacy (MS Word, MS Excel, MS Outlook)
- SQL Skills
- Commercial Thinking Skills
- Reporting Skills
- Negotiation skills
- Influencing Skills
- Interpersonal & Relationship management Skills
- Presentation Skills
- Facilitation Skills
- Analytical Skills
- Problem solving skills
- Strategic Thinking Skills
- Planning, organising and coordination skills
- Attention to Detail
- Project Management Skills (Methodolgy Specific)
Additional Information
- A valid driver's license and own vehicle is preferred
- Clear criminal and credit record
- Contactable via own mobile phone
- Willingness to travel nationally if and when required
- Ability and willingness to work in an open plan environment
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