Head: Vehicle Finance

Purpose Statement

To drive the growth and scaling of Capitec’s secured vehicle finance business by shaping a competitive, responsible and scalable Vehicle portfolio that delivers market growth, sustainable profitability and trusted client experiences within a sound risk and regulatory framework.

Experience

Min/Ideal:

10+ years’ experience in banking, consumer lending, retail credit or financial services, including significant exposure to vehicle finance or asset‑based lending.
Proven experience defining and executing product or portfolio strategy at divisional or enterprise level, delivering measurable growth and profitability.
Experience influencing executive and Exco‑level stakeholders and participating in strategic decision‑making forums.
Track record of managing large lending portfolios, balancing growth, margins, credit quality, affordability and customer outcomes.
Experience leading large, multi‑disciplinary teams and building high‑performing leadership structures.
Experience operating within highly regulated environments, with accountability for governance, compliance and ethical conduct.
Experience partnering with internal and external stakeholders to deliver scalable, end‑to‑end lending solutions.
Experience driving customer journey optimisation, digitisation and service‑quality improvement.

Qualifications (Minimum)

Qualifications (Ideal or Preferred)

Knowledge

Min/Ideal:

Deep understanding of secured vehicle finance and asset‑based lending products, including portfolio economics, pricing, margins and funding considerations.
Strong knowledge of the South African vehicle finance market, distribution channels and customer segments.
Comprehensive understanding of credit risk, affordability principles, portfolio management and regulatory requirements.
Knowledge of end‑to‑end vehicle finance operating models across origination, fulfilment, servicing and collections.
Understanding of enterprise risk management principles and economic cycle impacts on secured lending.
Awareness of digital enablement, automation and data‑driven decisioning opportunities within vehicle finance.
Knowledge of governance, performance management and organisational design for large‑scale banking portfolios.

Skills

Conditions of Employment