Location: Sandton, GT, ZA
Company: Capitec Bank Ltd
Application Deadline: TBA
Join Our Team!
We are seeking energetic and self-motivated individuals who are passionate about delivering exceptional service in the banking industry. If you’re ready to be part of the journey, follow these steps:
- Discover what life at Capitec is like and complete a short assessment – click here!
- Once you’ve completed the assessment, finalize your application by clicking Apply below.
Purpose of the Role
This role focuses on minimizing bad debt, enhancing profitability, and mitigating risk for Capitec Business Bank (CBB) and Capitec Rental Finance (CRF) through:
- Analysing, monitoring, and reporting on book segmentation, tactical strategies, and campaigns (calls/digital) related to pre-delinquent, collections, and recoveries.
- Tracking book trends, including arrears, excesses, risk grade changes, downgrades, write-offs, and provisions.
- Identifying and monitoring high-risk portfolios, clients, and industries in distress.
- Contributing to the design, implementation, and monitoring of risk management solutions (systems, policies, procedures, and processes).
- Conducting case studies and root cause analysis on pre-delinquent and non-performing loans.
- Following up on arrears management, monitoring, and control as required.
Experience Required
Minimum:
- 2–3 years of experience in collections, recoveries, credit risk, or operational risk management.
- Experience in data reporting and monitoring.
- Credit and business analysis experience, with the ability to influence processes, policies, and procedures.
- Case study and root cause analysis expertise.
- Consumer and complaint resolution experience.
Ideal:
- 3+ years in credit risk management or ongoing risk management.
- Drafting business processes, policies, and procedures.
- Project coordination and relationship management.
- Process efficiency improvements, including drafting business specifications.
- Experience in credit granting, collections, recoveries, and judgmental credit within financial services.
Qualifications
Minimum:
- Higher Certificate in Credit Management or Banking.
Preferred:
- National Diploma in Financial Accounting or Banking.
Knowledge & Skills
Essential Knowledge:
- Strong understanding of credit, corporate legislation, and banking industry practices.
- Collections and recoveries systems and processes.
- Knowledge of the National Credit Act (NCA).
- Experience with retail and business credit products (fixed-term loans and credit facilities).
- Reporting and data analytics.
Ideal Knowledge:
- Credit risk management throughout the credit lifecycle.
- Understanding of collateral types and processes.
- Compliance knowledge: POPI Act, Debt Collectors Act (DCA), Capitec’s Credit Policies.
- Familiarity with Capitec Bank’s banking systems (Front-End and Back-End).
- SQL programming and database structures.
- Relationship-building and stakeholder management techniques.
Key Skills:
- Strong analytical and problem-solving abilities.
- High attention to detail and accuracy.
- Computer literacy (MS Word, MS Excel, MS Outlook).
- Strong numerical reasoning skills.
Employment Conditions:
- Clear criminal and credit records are required.
- Capitec is committed to diversity and employment equity. All appointments will support these goals wherever possible.
