Capitec Bank Jobs Opportunities

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.
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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
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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
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Skills

• Analytical Skills
• Computer Literacy (MS Word, MS Excel, MS Outlook)
• Decision making skills
• Numerical Reasoning skills
• Problem solving skills

Competencies

• Deciding and Initiating Action
• Presenting and Communicating Information
• Writing and Reporting
• Analysing
• Adapting and Responding to Change
• Coping with Pressures and Setbacks
• Entrepreneurial and Commercial Thinking
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Conditions of Employment

• Clear criminal and credit record