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Manager: Secured Credit (VAF)
Date: 22-Jun-2022
Location: Sandton, GT, ZA
Company: Capitec Bank Ltd
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)
- Bachelor's Degree in Accounting - Management Accounting or Economic and Management Sciences
Qualifications (Ideal or Preferred)
- A relevant post-graduate qualification in Accounting - Management Accounting or Economic and Management Sciences
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
- Analytical Skills
- Commercial Thinking Skills
- Computer Literacy (MS Word, MS Excel, MS Outlook)
- Decision making skills
- Problem solving skills
Conditions of Employment
- Clear criminal and credit record