Website Capitec Bank
Capitec Bank is a leading South African commercial bank and the largest retail bank in the country by client numbers, serving over 24 million active clients.
Capitec Bank is a leading South African commercial bank and the largest retail bank in the country by client numbers, serving over 24 million active clients. It is known for its focus on providing simple, affordable, and accessible banking services through innovative use of technology. Capitec has a strong digital focus, with over 11 million digital clients. Its mobile app is the most used financial services app in South Africa.
Purpose Statement
- To minimise the risk of loss through bad debts, and maximise profits for the business through effective execution of credit application, evaluation and approval processes, and ensuring the quality of credit risks across the portfolio is maintained.
- To interact with other areas of the bank and acting as a catalyst in ensuring compliance with agreed risk parameters as set out in the Bank’s strategy.
Experience
Minimum:
- At least 5 years Credit Management experience across Personal and Business markets
- Current Person-to-holder Credit Mandate
Ideal:
- At least 5 years Credit Management experience across Personal and Business markets
- Experience in Intuitive Credit Granting
Qualifications (Minimum)
- Bachelor’s Degree in Credit Management or Banking
Qualifications (Ideal or Preferred)
- Honours Degree in Credit Management or Banking
Knowledge
Minimum:
- Business knowledge
- Risk Management
- Understanding of Project Management methodologies and processes,
- People Management
- Financial Management
- In-depth understanding of the NCA
Ideal:
- Knowledge of Intuitive Credit Granting
Skills
- Commercial Thinking Skills
- Computer Literacy (MS Word, MS Excel, MS Outlook)
- Analytical Skills
- Problem solving skills
- Decision making skills
- Attention to Detail
- Numerical Reasoning skills
