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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