Manager: Provincial Credit (KZN)

Capitec Bank Ltd.; KwaZulu-Natal; On-site; ZAR 200 000 - 300 000; Full time

Job summary

A leading financial services provider in South Africa is seeking a Senior Management professional to oversee credit management within Business Bank. The ideal candidate must have at least 7 years of experience in Credit Management, strong skills in risk management, and previous leadership experience. This role focuses on evaluation, management, and integration of credit functions to maximize profits while minimizing risk.

Qualifications

• 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.

Responsibilities

• Evaluate and manage credit and associated risks within the allocated portfolio.
• Integrate and manage the credit function to align with the Bank’s risk appetite.
• Monitor the credit risks within a complex and high value portfolio.

Skills

Credit Management

People Management

Change Management

Project Management

Education

Bachelor's Degree in Accounting

Honours Degree in Accounting

Job description

Select how often (in days) to receive an alert:

• To 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.
• To 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 minimising the risk of loss through bad debts, while maximising profits and applying risk-based pricing, where appropriate.
• To 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

Qualifications (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

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