Specialist: Unsecured Credit

3 weeks ago


Johannesburg, South Africa Capitec Bank Full time
Job title : Specialist: Unsecured Credit Job Location : Gauteng, Johannesburg Deadline : January 03, 2025 Quick Recommended Links
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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.

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

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

Skills

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

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