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Senior Specialist: Credit Profit Optimisation

Date: 21-Jul-2022

Location: Stellenbosch, Western Cape, ZA

Company: Capitec Bank Ltd

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Purpose Statement

To maximise credit profitability through:

  • Credit pricing optimization; understand customer segments response to different prices of the same product or different products through different channels.
  • Developing and maintaining take-up propensity models for credit applications that are applied as inputs for strategic decision making and  loan amount and volume budgeting.
  • Supporting the Capitec Live Better rewards, behavioural incentives program by applying price elasticity analysis to understand and incentivise healthy credit behaviours.
  • Monitoring insights and developing rules for credit risk and pricing.
  • Producing work outputs (proposals and analysis) that can be used to drive strategic debate at executive level and enhance the competitiveness of Capitec Bank by improving the pricing proposition for clients.



  • At least 5 years’ experience in credit risk analytics in a financial or retail environment
  • Proven experience in development of credit risk models e.g. propensity, scorecards
  • Proven track record on SQL, SAS, R or Python
  • Experience in credit pricing and profitability


  • Experience in retail credit pricing and profitability modelling
  • Experience in retail credit granting/origination

Qualifications (Minimum)

  • Bachelor's Degree in Statistics or Mathematics

Qualifications (Ideal or Preferred)

  • Masters Degree in Statistics or Mathematics



  • Quantitative credit analytics
  • Credit product profitability
  • Advanced statistical analysis
  • Advanced financial mathematics and data mining techniques
  • Financial and business acumenRetail Credit Environment and credit life cycle


  • Knowledge of Capitec’s Credit Policy
  • General understanding of the Banks Act Capital Regulations, National Credit Act and the implication for Capitec business and the Credit Bureau
  • Credit industry knowledge
  • Knowledge of data structures and systems
  • Analytical experience on credit portfolio
  • Activity Based Costing (ABC) methodology and application
  • Bank governance experience (ALCO, Riskco, Credit Committee, etc)
  • Credit origination systems and processes
  • Strong data skills and understanding of different programming languages


  • Communications Skills
  • Planning, organising and coordination skills
  • SAS Skills
  • Visual Basic Skills
  • Interpersonal & Relationship management Skills
  • Negotiation skills
  • Presentation Skills
  • Project Management Skills (Methodolgy Specific)
  • Analytical Skills
  • Problem solving skills
  • Strategic Thinking Skills
  • Attention to Detail
  • SQL 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