Manager: Provincial Credit

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Date: 12 Mar 2025

Location: Sandton, GT, ZA

Company: Capitec Bank Ltd

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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 evaluate and manage the credit and associated risks within an allocated portfolio in Business Bank through leading, driving and inspiring a team of Credit and Senior Credit Managers responsible for providing credit support, from origination and assessment, on an Intuitive basis, to ongoing risk management.
  • To integrate and manage the credit function by ensuring that the quality of credit risks across the regions are aligned to the Bank’s risk appetite, which includes minimising the risk of loss through bad debts, while maximising profits and applying risk-based pricing, where appropriate.   
  • To evaluate, manage and monitor the credit and associated risks within a complex and high value portfolio (in addition to the supervision and management of the provincial portfolios). 

Experience

Minimum:

  • At least 3 years’ experience at Senior Management Level
  • 7 years Credit Management experience, within the Commercial and Business markets
  • Previous supervisory or leadership experience

Ideal:

  • 3+ years’ experience at Senior Management Level
  • 7+ years Credit Management experience, within the Commercial and Business markets

Qualifications (Minimum)

  • Bachelor's Degree in Accounting - Financial Accounting or Credit Management

Qualifications (Ideal or Preferred)

  • Honours Degree in Accounting - Financial Accounting or Credit Management

Knowledge

Minimum:

  • Commercial, business and financial principles and practices 
  • People Management
  • Change Management
  • Project Management
  • Governance and risk management principles
  • Business processes, policies and systems
  • Application of relevant credit and risk legislation in an organisation (NCA, CPA, Companies Act, Insolvency Act, etc.) 
  • Impact of regulatory bodies (BASA, SARB, SACCRA, NCR, and FIC) on the functioning of an organisation

 

Skills

  • Commercial Thinking Skills
  • Decision making skills
  • Leadership Skills
  • Management skills
  • Problem solving skills

Conditions of Employment

  • Clear criminal and credit record

Capitec is committed to diversity, applications to this position will strictly be considered in support of our employment equity goals.