Senior Specialist: Credit Client Incentives at Capitec Bank

Purpose Statement

• To create a best in class credit rewards program that delights our clients to increase client retention and deliver financial performance within the bank’s ROE and profitability targets.

• To coordinate with the profitability, propensity, and client engagement functions to ensure a holistic credit benefits value proposition.

Experience

Minimum:

• 5 years relevant predictive analytics experience

• 5 years relevant experience in retail credit management (scoring, pricing, and provisioning) or loyalty rewards product design

Ideal:

• Business acumen with regards to predictive modelling, financial modelling and decisioning IT systems / coding design.

• Experience in client value management frameworks and client lifetime value modeling

• Experience influencing client engagement solutions including direct marketing segmentation

Qualifications

Minimum:

• Grade 12 National Certificate / Vocational

• A relevant Honours degree (e.g. Data Science / Statistics/ Mathematics/ Actuarial Science in Data Analysis or Actuarial Science) is preferred

Ideal:

• A relevant Masters degree (e.g. Data Science / Behavioural Economics / Business Administration) or Actuarial Society of South Africa Technical Member (TASSA) / Actuarial Society of South Africa Fellow (FASSA / CERA) is ideal

Knowledge

Minimum:

• Predictive analytics and machine learning in the context of articulating business requirements

• Statistical software (ex. SAS, R, Python)

• Database querying software (ex. SQL)

• Behavioural economics

• Retail credit lifecycle

• Retail credit scoring

• Retail credit profit models including pricing and provisioning

• Decisioning IT systems architecture

• Client engagement solutions including direct marketing segmentation

• Project management principles

• Understanding technical issues and the impact these may have on the design and delivery of business solutions

• National Credit Act (NCA)

• Consumer Protection Act (CPA)

• Banks Act and Basel III Risk Framework

• Protection of Personal Information Act (POPI)

Ideal:

• Capitec Bank’s credit policy and systems

Skills

• Communications Skills

• Leadership Skills

• Interpersonal & Relationship management Skills

• Presentation Skills

• Facilitation Skills

• Reporting Skills

• Business writing skills

• Commercial Thinking Skills

• Analytical Skills

• Numerical Reasoning skills

• Planning, organising and coordination skills

• Computer Literacy (MS Word, MS Excel, MS Outlook)

• SAS Skills

• SQL Skills

• Python skills

Competencies

• Deciding and Initiating Action

• Relating and Networking

• Applying Expertise and Technology

• Delivering Results and Meeting Customer Expectations

• Presenting and Communicating Information

• Writing and Reporting

• Analysing

• Entrepreneurial and Commercial Thinking

Conditions of Employment

• Clear criminal and credit record

• Willingness to work overtime if required

• Willing and able to use own home as a formal office