Specialist: Unsecured Credit

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Date: 12 Sep 2024

Location: Sandton, GT, ZA

Company: Capitec Bank Ltd

Apply by: 09/07/2024 

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 provide specialist knowledge and data insights linked to product knowledge towards the formulation and enablement of the Bank’s Unsecured Credit Strategy – in order to achieve the required market share within ROE and profitability targets
  • To provide business context to modelling and analytical teams and lead a data-driven Unsecured Credit strategy 
  • To provide input into credit client experience through improved processes and product value proposition.

Experience

Minimum:

  • 2 – 3 years working in an unsecured credit portfolio. 
  • Exposure to a data-driven culture / business environment.
  • Proven experience in providing insights based on data analysis.

Ideal:

  • 3+ years’ experience in risk management of unsecured credit portfolio

Qualifications (Minimum)

  • Grade 12 National Certificate / Vocational
  • Bachelor's Degree in Commerce or Economic and Management Sciences

Qualifications (Ideal or Preferred)

  • Honours Degree in Commerce or Economic and Management Sciences

Knowledge

Minimum:

  • Analytics
  • Scorecard building, modelling and portfolio management
  • Understanding of scored lending / a volume book
  • Understanding of the SME environment
  • Financial Services Industry (retail or other)
  • Basel II
  • Credit Risk regulatory requirements

Ideal:

  • Banking

Skills

  • Analytical Skills
  • Computer Literacy (MS Word, MS Excel, MS Outlook)
  • Decision making skills
  • 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.