Analyst: Credit Book Control
Date: 13 Mar 2025
Location: Sandton, GT, ZA
Company: Capitec Bank Ltd
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Purpose Statement
To contribute towards minimising bad debt, enhancing profit and mitigating and controlling risk for Capitec Business Bank (CBB) and Capitec Rental Finance (CRF) through:
- Analysing, monitoring, and reporting on the book segmentation, tactical strategies, campaigns (calls/digital) and solutions for pre-delinquent, collections and recoveries.
- Analysing, monitoring and reporting on book trends (for example, reasons/triggers for arrears, excess, risk grade changes, downgrades, write-offs and provisions).
- Identifying, analysing and monitoring high risk portfolios, clients, book segments and industries in distress.
- Contributing to researching, analysing, designing, implementing and monitoring optimal risk management solutions, in relation to systems, processes, policies and procedures.
- Performing case study and root cause analysis on pre-delinquent, arrears and/or non-performing loans.
- Performing arrears follow up, monitoring and control as required.
Experience
Minimum:
- 2 – 3 years within a collections and/or recoveries, an ongoing-risk or credit management or operational experience
- Applying data for reporting and monitoring purposes.
- Credit and business analysis experience and influencing processes, policies and procedures.
- Case study and root cause analysis
- Consumer and complaint resolutions.
Ideal:
- 3+ years of experience in an ongoing risk management role, in a credit environment.
- Drafting business processes, policies and procedures
- Project coordination and building strong relationships
- Process efficiencies: Draft of idea documents and business specifications.
- Credit book monitoring and reporting
- Experience in granting, collections and/or recoveries and/or intuitive / judgemental credit environment within the financial services sector.
Qualifications (Minimum)
- Higher Certificate in Credit Management or Banking
Qualifications (Ideal or Preferred)
- National Diploma in Accounting - Financial Accounting or Banking
Knowledge
Minimum:
- Good understanding of credit and corporate legislation and processes.
- Banking and financial services industry practice.
- Collections and recoveries systems and processes
- 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
- Reporting and data analytics.
Ideal:
- Credit risk management throughout the credit life cycle (granting to book sale)
- Collateral variants / types of processes.
- Protection of Personal Information Act (POPI)
- Debt Collectors Act (DCA)
- Capitec Bank’s Credit Policies
- Capitec Bank's banking system (Front- and Back-End)
- Programming language SQL and database structures
- Knowledge of Capitec Bank’s Centralised Collections systems and processes
- Relationship building and management techniques.
Skills
- Analytical Skills
- Attention to Detail
- Computer Literacy (MS Word, MS Excel, MS Outlook)
- Numerical Reasoning skills
- Problem solving skills
Conditions of Employment
- Clear criminal and credit record
Capitec is committed to diversity and, where feasible, all appointments will support the achievement of our employment equity goals.