job description - Senior Specialist: Credit Book Control
To minimise bad debt, enhance profit and mitigate risk for Capitec Business Bank through:
- Contributing deep expert knowledge towards the Credit Book Control strategy.
- Developing, implementing, monitoring, and reporting on the tactical solutions for pre-delinquent, collections and recoveries.
- Identifying high risk portfolios, clients and industries in distress – and providing subject matter expertise towards designing, implementing and monitoring optimal risk management solutions, policies and procedures.
Experience
Minimum:
- At least 5 years within an ongoing-risk management role in a credit environment.
- Applying data analytics for reporting and monitoring purposes.
- Credit analysis experience and influencing decision-tree strategies through the use of data analytics and processes.
- Influencing strategies.
- Business analysis: Design and implementation of processes and procedures.
- Process efficiencies: Draft of idea documents and business specifications.
- Project coordination
- Knowledge of / experience in commercial law.
Ideal:
- 7+ years of experience in an ongoing risk management role, in a credit environment.
- Drafting business plans.
- Experience in building scorecard, i.e. behavioural, handover, collection scorecards etc.
- Experience in granting, collections and/or recoveries and/or intuitive / judgemental credit environment within the financial services sector.
Qualifications (Minimum)
Bachelor's Degree in Finance or Credit Management
Qualifications (Ideal or Preferred)
Honours Degree in Finance or Credit Management
Knowledge
Minimum:
- Sound understanding of credit and corporate legislation and processes.
- Banking and financial services industry practice.
- Collateral variants / types of processes.
- Risk management / disaster recovery and business continuity practices.
- Operations and process management.
- National Credit Act (NCA)
- Retail and/or Business credit products (Fixed term and facilities)
- Collections and/or recoveries systems and processes
- Programming language SQL and database structures
- Reporting and data analytics.
- Relationship building and management techniques.
Ideal:
- Retail and Business credit products (Fixed term and facilities)
- Collections and recoveries systems and processes
- Credit risk management throughout the credit life cycle (granting to book sale)
- National Credit Act (NCA)
- Consumer Protection Act (CPA)
- Banks Act and Basel III Risk Framework
- Protection of Personal Information Act (POPI)
- Debt Collectors Act (DCA)
- Capitec Bank’s Credit Policies
- Capitec Bank's banking system (Front- and Back-End)
- Knowledge of Capitec Bank’s Centralised Collections systems and processes
Skills
- Problem solving skills
- Interpersonal & Relationship management Skills
- Analytical Skills
- Influencing Skills
- Computer Literacy (MS Word, MS Excel, MS Outlook)
Conditions of Employment
- Clear criminal and credit record
- Willingness to work or be available overtime and / or weekends frequently
- Willingness to travel nationally on a regular basis
- A valid driver's license and own vehicle is required
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We provide simplified banking solutions. That's why we offer affordable transactions, the right type of credit when you need it, and insurance for you.