Credit Risk Specialist: Unsecured Credit Portfolio Manager

3 days ago


Johannesburg, Gauteng, South Africa Capitec Bank Full time
Job Title: Credit Risk Specialist: Unsecured Credit Portfolio Manager

We are seeking a seasoned professional to join our team as a Credit Risk Specialist in the Unsecured Credit department at Capitec Bank. This is a challenging and rewarding role that will require you to apply your analytical skills and knowledge of credit risk management to drive business growth.

Role Description:

This position will be responsible for providing specialist knowledge and data insights linked to product knowledge towards the formulation and enablement of the Bank's Unsecured Credit Strategy. You will work closely with modelling and analytical teams to lead a data-driven Unsecured Credit strategy, and provide input into credit client experience through improved processes and product value proposition.

Key Responsibilities:
  • Develop and implement data-driven Unsecured Credit strategies to achieve market share targets
  • Provide business context to modelling and analytical teams to inform credit risk decisions
  • Collaborate with stakeholders to improve credit client experience through process enhancements and product development
Requirements:

To be successful in this role, you will need to have:

  • A minimum of 2-3 years' experience working in an unsecured credit portfolio
  • Experience in a data-driven culture or business environment
  • Proven experience in providing insights based on data analysis
Desirable Qualifications:

Preferred candidates will have:

  • 3+ years' experience in risk management of unsecured credit portfolios
  • Honours degree in Commerce or Economic and Management Sciences
Knowledge and Skills:

You will need to have a strong understanding of:

  • Analytics and scorecard building
  • Modelling and portfolio management
  • Credit risk regulatory requirements
  • The financial services industry (retail or other)
Salary and Benefits:

The salary for this role is estimated to be between R600,000 - R800,000 per annum, depending on experience. In addition to a competitive salary, you will also receive a comprehensive benefits package, including medical aid, life insurance, and retirement funding.

About Us:

Capitec Bank is a leading financial services provider in South Africa, known for its innovative products and customer-centric approach. We offer a dynamic and supportive work environment, with opportunities for career growth and development.



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