Manager: Secured Credit (VAF)

Purpose Statement

• To manage the end-to-end value chain of one of the Capitec Bank Secured Credit portfolios: 
  • Vehicle & Asset Finance 
• To minimize the risk of loss through bad debts, and maximise profits for the business through effective execution of credit application, evaluation and approval processes
• To deliver an excellent client experience and ensure that the quality of credit risks across the portfolio is maintained.

Experience

MINIMUM:

• At least 5 - 7 years within a financial services environment including Credit Management experience across Personal and Business markets 
• Of which minimum 3 years in a portfolio / process management role
• Involved in the management of secured credit portfolio   

IDEAL:

• 7+ years Credit Management experience across Personal and Business markets 
• Experience in Intuitive Credit Granting

Qualifications (Minimum)

Qualifications (Ideal or Preferred)

Knowledge

MINIMUM:

• Secured lending product knowledge e.g VAF
• Strategic Credit Risk Management 
• Understanding of SME environment
• Credit Risk strategic experience across the credit life cycle
• Understanding of Project Management methodologies and processes
• People Management principles and practices
• Stakeholder management principles and practices
• Financial Management
• In-depth understanding of the NCA
• Understanding of systems, automation and technology in a secured lending environment

IDEAL:

• Knowledge of Intuitive Credit Granting
• Management of Secured Credit portfolios (Vehicle and Asset Finance)
• Agile project methodology

Skills

Conditions of Employment