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Manager: Credit Client Incentives

Date: 16-Jun-2022

Location: Stellenbosch, Western Cape, ZA

Company: Capitec Bank Ltd

Purpose Statement

  • To manage and lead a team of specialists within the Credit Client Incentives function in creating a best-in-class credit incentives programme that deliver client retention and financial performance.
  • To coordinate with the Profitability, Propensity, Engagement and Live Better departments to ensure a holistic credit benefits value proposition.



  • 7 years relevant predictive analytics experience; of the 7 years
    • 3 years should be relevant to retail credit management (scoring, pricing, and provisioning)
    • 2 years should be relevant to leadership experience


  • 7+ years relevant predictive analytics experience
  • Experience in influencing retail credit IT systems architecture
  • Experience in influencing client engagement solutions including direct marketing segmentation 
  • 2 years management experience including (can overlap with technical experience):
  • Leadership and management of people
  • Project management and coordination

Qualifications (Minimum)

  • A relevant post-graduate qualification in Mathematics or Statistics

Qualifications (Ideal or Preferred)

  • A relevant post-graduate qualification in Mathematics or Statistics



  • Predictive analytics
  • Machine learning (understanding of machine learning outputs)
  • Statistical software (ex. SAS, R, Python)
  • Database querying software (ex. SQL)
  • Retail credit scoring
  • Retail credit lifecycle
  • Retail credit market
  • Retail credit profit models including pricing and provisioning
  • Client engagement solutions including direct marketing segmentation
  • National Credit Act (NCA)
  • Consumer Protection Act (CPA)
  • Banks Act and Basel III Risk Framework
  • Protection of Personal Information Act (POPI)
  • Project management principles


  • Capitec Bank’s credit policy and systems
  • Cloud computing (ex. AWS, Azure)
  • Retail credit IT systems architecture
  • Client experience
  • IFRS 


  • Decision making skills
  • Interpersonal & Relationship management Skills
  • Leadership Skills
  • Management skills
  • Problem solving skills

Conditions of Employment

  • Clear criminal and credit record


Capitec is committed to diversity and, where feasible, all appointments will support the achievement of our employment equity goals