Credit Risk Oversight Manager

Capitec Bank; Stellenbosch; On-site; ZAR 600,000 - 900,000; Full time

Job summary

Une banque axée sur le client recherche un directeur des risques de crédit pour superviser l'ensemble des activités de risque de crédit. Vous serez chargé de garantir la mise en œuvre du cadre de risque de crédit en alignement avec les exigences réglementaires et de gérer les pratiques de risque au sein de l'organisation.

Qualifications

• Minimum 7-10 ans d'expérience en risque de crédit, avec 3-5 ans dans un rôle senior.
• Expérience prouvée en politique de crédit et analytique.
• Compréhension des normes IFRS 9 et Basel II/III.

Responsibilities

• Surveiller la mise en œuvre du cadre de risque de crédit dans l'entreprise.
• Collaborer avec des fonctions d'assurance internes pour évaluer le risque.
• Rendre compte du risque au niveau du conseil d'administration.

Skills

Analytical Skills

Attention to Detail

Change Management Skills

Communication Skills

Leadership Skills

Negotiation Skills

Numerical Reasoning Skills

Education

Bachelor's Degree in Accounting - Management Accounting

Honours Degree in Risk Management

Tools

MS Word

MS Excel

MS Outlook

Job description

Purpose Statement

• To provide strategic second-line oversight of Capitec’s enterprise-wide credit risk, ensuring effective implementation and operationalisation of the Credit Risk Framework in alignment with regulatory requirements and business strategy.
• To challenge and influence first line's credit risk practices, policies, and risk appetite, while ensuring sound governance, data risk, and credit lifecycle oversight and partner with internal assurance functions such as Model Risk and Data Governance to ensure risk is measured, monitored, and reported in line with best practice

Experience

Min/Ideal:

• Minimum of 7–10 years in credit risk, with 3–5 years in a senior or oversight capacity in banking or financial services.
• Proven experience in credit policy, credit analytics, or credit risk oversight.
• Experience working in or closely with second-line risk, model risk, or internal audit functions.
• Exposure to ICAAP, Recovery Planning, or regulatory submissions.
• Familiarity with the application of RDARR principles and use of KRIs for monitoring.
• Experience in risk reporting to board and executive levels
  

Qualifications (Minimum)

• Bachelor's Degree in Accounting - Management Accounting

Qualifications (Ideal or Preferred)

• Honours Degree in Risk Management

Knowledge

Min/Ideal:

• Strong leadership and stakeholder engagement skills
• Excellent communication and report writing
• Working knowledge of credit lifecycle and products (unsecured, revolving credit, etc.)
• High-level understanding of IFRS 9, Basel II/III, ICAAP, Recovery Planning
• Risk appetite design and monitoring
• Stress testing and early warning indicators
• Governance, risk and control frameworks (Three Lines of Defence)
• Familiarity with data governance and model governance (non-technical oversight)
  

Skills

• Analytical Skills
• Attention to Detail
• Change Management Skills
• Communications Skills
• Computer Literacy (MS Word, MS Excel, MS Outlook)
• Leadership Skills
• Negotiation skills
• Numerical Reasoning skills

Conditions of Employment

• Clear criminal and credit record