Team Leader: Credit Intelligence Analysis

Capitec Bank; Sandton; On-site; ZAR 500,000 - 800,000; Full time

Job summary

Capitec Bank is seeking a Senior Credit Analyst to optimize credit performance and minimize risk. The successful candidate will manage a team, ensuring delivery of advanced analytics and influence credit decision-making. Candidates must have extensive experience in retail credit and relevant qualifications in Finance or Statistics.

Qualifications

• 6 - 8 years’ experience in retail credit, advanced analytics, and statistical modelling.
• Experience working with credit principles, policies, frameworks.
• 3 years Portfolio specific experience required.

Responsibilities

• Manage and oversee a team developing credit intelligence policies and solutions.
• Ensure quality delivery of statistical insights to influence credit decisions.

Skills

Communications Skills

Influencing Skills

Leadership Skills

Planning, organising and coordination skills

Presentation Skills

Project Management Skills

Reporting Skills

Researching skills

Education

Bachelor's Degree in Finance or Statistics

Relevant post-graduate qualification in Finance or Statistics

Job description

Purpose Statement

Optimise credit performance and minimise risk through:

• Managing and overseeing a team responsible for developing, implementing and optimising credit intelligence policies / solutions / processes / strategies across more than one workstreams.
• Ensure the quality delivery of advanced statistical insights and application thereof to influence credit decision making.
  

Experience

Min:

• 6 - 8 years’ experience in retail credit (including advanced analytics, statistical modelling, as well as policy and process enhancement).
• In case of Honours degree: 5 - 7 years’ experience in retail credit analysis (including SQL programming and descriptive analytics).
• Minimum of 3 years Portfolio specific experience.
• Experience working with / contributing towards credit principles, policies, frameworks.

Ideal:

• Capitec Bank experience

Qualifications (Minimum)

• Bachelor's Degree in Finance or Statistics

Qualifications (Ideal or Preferred)

• A relevant post-graduate qualification in Finance or Statistics

Knowledge

NA

Skills

• Communications Skills
• Influencing Skills
• Leadership Skills
• Planning, organising and coordination skills
• Presentation Skills
• Project Management Skills (Methodolgy Specific)
• Reporting Skills
• Researching skills

Conditions of Employment

• Clear criminal and credit record