Manager: Credit Portfolio at Capitec Bank

Purpose Statement

• To diversify the risk of loss through bad debts and optimise profits through effective execution of credit portfolio reporting and management across the Capitec Business Bank credit portfolio. 
• 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 and contained in the credit risk appetite schedule.

Experience

Minimum:

• At least 8 years relevant Credit risk management experience across Personal and Business markets in a bank which includes:
• 5yrs general credit management
• 3yrs accounting
• Stakeholder management at all levels, guiding and influencing to manage credit risk.

Ideal:

• Credit risk appetite formulation and credit portfolio management experience for a lending portfolio in a bank.
• Contributing and providing input into credit management strategy.

Qualifications (Minimum)

• Honours Degree in Accounting - Financial Accounting or Accounting - Management Accounting

Qualifications (Ideal or Preferred)

• Qualified Chartered Accountant (CA)

Knowledge

Minimum:

• Business knowledge and acumen
• Credit Risk management, including the application of a credit risk framework
• Understanding of Project Management methodologies and processes 
• People and relationship management principles and practices 
• Broad knowledge and understanding of accounting and financial management

Ideal:

• Credit risk management experience across the key drivers of credit portfolio performance (financial reporting, provisions, risk appetite tracking, risk profile analysis).

Skills

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