Specialist: Credit Book Control (Data Analysis)

Apply now »

Date: 23 Jan 2025

Location: Sandton, GT, ZA

Company: Capitec Bank Ltd

Apply by:  

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 minimise bad debt, enhance profit and mitigate and control risk for Capitec Business Bank through:
    • Taking ownership for and providing specialist expertise during analysis, monitoring, and reporting of the book segmentation, tactical strategies, campaigns (calls/digital) and solutions for pre-delinquent, collections and recoveries.
    • Identifying trends and root causes of arrears and/or downgrade reasons and triggers and client credit portfolios. 
    • Monitoring and enabling appropriate arrears treatments and actions.
    • Identifying, quantifying, analysing and reporting on book trends and reasons/triggers for arrears, excess, risk grade changes, downgrades, write-offs and provisions.
    • Identifying and quantifying high risk portfolios, clients and industries in distress.
    • Providing specialist expertise towards the designing, implementing and monitoring optimal risk management solutions, policies and procedures.
       

Experience

Minimum:

  • 3 - 5 years within an ongoing-risk or credit management or finance / credit operational environment.  
  • Applying data for reporting and monitoring purposes.
  • Credit and business analysis experience and influencing processes, policies and procedures.  
  • Consumer and complaint resolutions.

Ideal:

  • 5+ years of experience in an ongoing risk management role, in a credit environment.
  • Drafting business processes, policies and procedures.
  • Process efficiencies: Draft of idea documents and business specifications.
  • Credit book monitoring and reporting.   
  • Case study and root cause analysis. 
  • Experience in granting, collections and/or recoveries and/or intuitive / judgemental credit environment within the financial services sector.
  • Knowledge of / experience in commercial law.

Qualifications (Minimum)

  • Bachelor's Degree in Accounting - Financial Accounting or Statistics

Qualifications (Ideal or Preferred)

  • Honours Degree in Accounting - Financial Accounting or Statistics

Knowledge

Minimum:

  • Good understanding of credit and corporate legislation and processes.
  • Banking and financial services industry practice.
  • Collateral variants / types of processes.
  • Risk management / disaster recovery and business continuity practices.
  • 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:

  • Retail and Business credit products (Fixed term and facilities).
  • Collections and recoveries systems and processes. 
  • Credit risk management throughout the credit life cycle (granting to book sale).
  • Consumer Protection Act (CPA).
  • Banks Act and Basel III Risk Framework. 
  • 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. 

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