Manager : Provincial Credit

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, please click here!
2. Once you have completed the above, finalize your application by clicking apply below.

Responsibilities

Evaluate and manage the credit and associated risks within an allocated portfolio in Business Bank through leading, driving, and inspiring a team of Credit and Senior Credit Managers responsible for providing credit support, from origination and assessment, on an intuitive basis, to ongoing risk management.

Integrate and manage the credit function by ensuring that the quality of credit risks across the regions are aligned to the Bank's risk appetite, which includes minimizing the risk of loss through bad debts, while maximizing profits and applying risk-based pricing, where appropriate.

Evaluate, manage, and monitor the credit and associated risks within a complex and high-value portfolio (in addition to the supervision and management of the provincial portfolios).

Experience

Minimum: At least 3 years' experience at Senior Management Level, 7 years Credit Management experience, within the Commercial and Business markets, Previous supervisory or leadership experience.

Ideal: 3+ years' experience at Senior Management Level, 7+ years Credit Management experience, within the Commercial and Business markets.

Qualifications

Minimum: Bachelor's Degree in Accounting - Financial Accounting or Credit Management.

Ideal or Preferred: Honours Degree in Accounting - Financial Accounting or Credit Management.

Knowledge

Minimum: Commercial, business and financial principles and practices, People Management, Change Management, Project Management, Governance and risk management principles, Business processes, policies and systems, Application of relevant credit and risk legislation in an organisation (NCA, CPA, Companies Act, Insolvency Act, etc.), Impact of regulatory bodies (BASA, SARB, SACCRA, NCR, and FIC) on the functioning of an organisation.

Skills

Commercial Thinking Skills, Leadership 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) and registered credit provider (NCRCP13).