Analyst: Credit Book Control

Capitec Bank Ltd.; Sandton; On-site; ZAR 400,000 - 600,000; Full time

Job summary

Capitec Bank seeks energetic self-motivated individuals for a role in collections and credit management. Candidates should possess a Higher Certificate in Credit Management, with 2-3 years of relevant experience in risk management or operational credit roles. Join a dynamic team dedicated to enhancing profit and reducing risks.

Qualifications

• Minimum 2-3 years experience in collections, recoveries, or credit management.
• Data analysis for reporting and operations.
• Credit analysis and consumer complaint resolutions.

Responsibilities

• Analyse and monitor book trends and segments.
• Research optimal risk management solutions.
• Oversee arrears follow-up and control.

Skills

Analytical Skills

Attention to Detail

Computer Literacy

Numerical Reasoning skills

Education

Higher Certificate in Credit Management or Banking

National Diploma in Accounting - Financial Accounting or Banking

Job description

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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:

1.To see what life at Capitec is all about and complete a short assessment, pleaseclick here!

2. Once you have completed the above finalize your application by clicking apply below.

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

• Analysing, monitoring, and reporting on the book segmentation, tactical strategies, campaigns (calls/digital) and solutions for pre-delinquent, collections and recoveries.
• Analysing, monitoring and reporting on book trends (for example, reasons/triggers for arrears, excess, risk grade changes, downgrades, write-offs and provisions).
• Identifying, analysing and monitoring high risk portfolios, clients, book segments and industries in distress.
• Contributing to researching, analysing, designing, implementing and monitoring optimal risk management solutions, in relation to systems, processes, policies and procedures.
• Performing case study 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 a collections and/or recoveries, an ongoing-risk or credit management or operational experience
• Applying data for reporting and monitoring purposes.
• Credit and business analysis experience and influencing processes, policies and procedures.
• Case study and root cause analysis
• Consumer and complaint resolutions.

Ideal:

• 3+ years of experience in an ongoing risk management role, in a credit environment.
• Drafting business processes, policies and procedures
• Project coordination and building strong relationships
• Process efficiencies: Draft of idea documents and business specifications.
• Credit book monitoring and reporting
• Experience in granting, collections and/or recoveries and/or intuitive / judgemental credit environment within the financial services sector.

Qualifications (Minimum)

• Higher Certificate in Credit Management or Banking

Qualifications (Ideal or Preferred)

• National Diploma in Accounting - Financial Accounting or Banking

Knowledge

Minimum:

• 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)
• Collections and/or recoveries systems and processes
• Reporting and data analytics.

Ideal:

• Credit risk management throughout the credit life cycle (granting to book sale)
• Collateral variants / types of processes.
• Protection of Personal Information Act (POPI)
• Debt Collectors Act (DCA)
• Capitec Bank's banking system (Front- and Back-End)
• Programming language SQL and database structures
• Knowledge of Capitec Bank’s Centralised Collections systems and processes
• Relationship building and management techniques.

Skills

• Analytical Skills
• Attention to Detail
• Computer Literacy (MS Word, MS Excel, MS Outlook)
• Numerical Reasoning skills

Conditions of Employment

• Clear criminal and credit record

Capitec is committed to diversity, applications to this position will strictly be considered in support of our employment equity goals.

Capitec Bank is an authorised financial services provider (FSP 46669) and registered credit provider (NCRCP13). Capitec Bank Limited Reg. No: 1980/003695/06