Specialist: Revolving Credit Products at Capitec Bank

Introduction

• The specialist role within the Revolving Credit team is unique and filled with opportunity to truly make a difference in the lives of millions of current and future Capitec clients. In the centre of the team’s purpose is ensuring our client experience is world class and tailored to meeting their needs at every life stage. Your day will be challenging but rewarding, as we get to collaborate with many feature teams to reach our objectives and truly add value. We are positioned to have areas of focus within the entire credit and client experience lifecycles where we get to contribute and influence for the best possible outcomes. Exposure within the bank is an exciting feature of the role, where there are regular opportunities to have your work and thinking displayed at senior management and executive level.

Purpose Statement

• To assist in formulating and enabling the bank’s revolving credit product strategy to ensure a profitable client journey
• To coordinate with the Operations, Profitability, Propensity, Engagement and Client Experience Delivery departments to ensure a holistic credit facility value proposition

Experience
Minimum:

• 3 years relevant financial services experience within the retail credit environment
• 3 years relevant credit facility / revolving credit experience

Ideal:

• Experience working with and presenting to executive level, senior management
• Experience in data driven credit facility / revolving credit strategy management
• Analytical experience

Qualifications (Minimum)

• A relevant degree in Finance or Engineering - Industrial
• Post Graduate Diploma in Accounting - Management Accounting or Economic and Management Sciences

Qualifications (Ideal or Preferred)

• A relevant post graduate degree in Finance or Accounting - Financial Accounting

Knowledge
Minimum:

• Predictive analytics
• Machine learning
• Statistical software (eg. SAS, R, Python)
• Database querying software (eg. SQL)
• Retail credit scoring
• Retail credit lifecycle
• Retail credit market
• Retail credit IT systems architecture
• Retail credit profit models including pricing and provisioning
• Client engagement solutions including direct marketing segmentation
• National Credit Act (NCA)
• Consumer Protection Act (CPA)
• Banks Act and Basel III Risk Framework
• Protection of Personal Information Act (POPI)
• Project management principles
• Credit affordability assessment regulations

Ideal:

• Capitec Bank’s credit policy and systems
• Database querying software (ex. SQL)

Skills

• Communications Skills
• Interpersonal & Relationship management Skills
• Analytical Skills
• Numerical Reasoning skills
• Programming skill (SAS, SQL, R, Python)

Conditions of Employment

• Clear criminal and credit record