Purpose Statement

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 Credit Policies
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
Problem solving skills