Analyst : Credit Book Control

Capitec; Gauteng; On-site; ZAR 200,000 - 300,000; Full time

Job summary

A leading company in the banking sector seeks self-motivated individuals to manage and mitigate risk effectively. The role involves analyzing portfolios, enhancing profit, and implementing risk management solutions. Ideal candidates possess strong analytical skills with relevant qualifications and experience in credit management.

Qualifications

• Minimum 2–3 years in collections, recoveries, or credit management.
• Experience in case study and root cause analysis.

Responsibilities

• Analyze and monitor risk portfolios and trends.
• Contribute to optimal risk management solutions.
• Perform case studies and root cause analysis on loans.

Skills

Analytical skills

Attention to detail

Computer literacy

Numerical reasoning skills

Problem-solving skills

Education

Higher Certificate in Credit Management or Banking

National Diploma in Accounting - Financial Accounting or Banking

Job description

Apply By : We're on the lookout for energetic, self-motivated individuals who share our passion for service in the banking industry.

To be part of the journey, follow the steps below: To see what life at Capitec is all about and complete a short assessment, please click here! Once you have completed the above, finalize your application by clicking apply below.

Purpose Statement

To contribute towards minimising bad debt, enhancing profit, and mitigating and controlling risk for Capitec Business Bank (CBB) and Capitec Rental Finance (CRF) through:

• Analyzing, monitoring, and reporting on the book segmentation, tactical strategies, campaigns (calls/digital), and solutions for pre-delinquent, collections, and recoveries.
• Analyzing, monitoring, and reporting on book trends (e.g., reasons/triggers for arrears, excess, risk grade changes, downgrades, write-offs, and provisions).
• Identifying, analyzing, and monitoring high-risk portfolios, clients, book segments, and industries in distress.
• Contributing to researching, analyzing, designing, implementing, and monitoring optimal risk management solutions, including systems, processes, policies, and procedures.
• Performing case studies and root cause analysis on pre-delinquent, arrears, and/or non-performing loans.
• Performing arrears follow-up, monitoring, and control as required.

Experience

Minimum: 2–3 years within collections, recoveries, ongoing-risk or credit management, or operational experience. Applying data for reporting and monitoring purposes. Credit and business analysis experience influencing processes, policies, and procedures. Case study and root cause analysis. Consumer and complaint resolutions.

Ideal: 3+ years in an ongoing risk management role within a credit environment. Drafting business processes, policies, and procedures. Project coordination and relationship building. Process efficiencies. Credit book monitoring and reporting. Experience in granting, collections, recoveries, or intuitive/judgmental credit environments within financial services sector.

Qualifications (Minimum)

Higher Certificate in Credit Management or Banking.

Qualifications (Preferred)

National Diploma in Accounting - Financial Accounting or Banking.

Knowledge

• Good understanding of credit and corporate legislation and processes.
• Banking and financial services industry practice.
• Collections and recoveries systems and processes.
• Operations and process management.
• National Credit Act (NCA).
• Retail and/or Business credit products (Fixed term and facilities).
• Reporting and data analytics.

Skills

• Analytical skills.
• Attention to detail.
• Computer literacy (MS Word, MS Excel, MS Outlook).
• Numerical reasoning skills.
• Problem-solving skills.

Conditions of Employment

Clear criminal and credit record. Capitec is committed to diversity; applications will be considered in support of employment equity goals.