Head: Non-Salary Lending at Capitec Bank

  • Salary Rand 30000-40000 / Monthly
  • Shift Full Time
  • Job Qualifications Bachelor’s Degree
  • Number of vacancies 2 openings
  • Job experience 10 years
  • Job level Officer

Job Description

Capitec Bank suitably invites qualified and experienced candidates for the position of Head: Non-Salary Lending to join our dynamic team.

Duties & Responsibilities

The successful applicant will be responsible for but not limited to the following job functions:

What you’ll do

  • To set, enhance and drive the Retail Credit Management Non-Salary lending service offering for Retail Banking through:
  • Providing strategic direction and operational insight within Retail Credit Management for Non-Salary lending, underpinning and enabling the delivery of the Retail Banking strategy.
  • Leading and overseeing the Non-Salary Lending department, and taking accountability for optimising departmental performance (including strategic business planning and implementation of standards, credit risk policies, principles and processes).
  • Driving (in collaboration with Delivery Head) the automating of non-salary lending processes

 Required Knowledge and Experience

We pride ourselves with having the best people, which are our most important assets. Our company has been recognized for having the highest ethics and strives for excellence through distinctly higher standards than the norm.

We therefore urge only candidates with these unique requirements and experience to apply for this stimulating position.

Experience
Minimum:

  • Minimum 10 years management experience in a senior role or as a specialist in a credit solutioning environment
  • 2 years experience in a retail non-salary lending environment
  • Experience of successfully leading, planning and managing credit initiatives across a complex organisation

Ideal:

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  • 10+ years management experience in a senior role or as a specialist in a credit solutioning environment
  • 2+ years experience in a retail non-salary lending environment
  • Experience of successfully leading, planning and managing credit initiatives across a complex organisation
  • Experience overseeing a credit application automation project including process flows and data science techniques

Qualifications (Minimum)

  • Bachelor’s Degree in Commerce or Statistics
  • Qualifications (Ideal or Preferred)
  • A relevant tertiary qualification in Commerce or Statistics

Knowledge
Minimum:

  • Knowledge of retail credit life cycle operations, retail credit profit modelling and retail credit regulations
  • Commercial, business and financial principles and practices
  • People 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

Ideal:

  • Similar to minimum

Skills

  • Commercial Thinking Skills
  • Decision making skills
  • Interpersonal & Relationship management Skills
  • Leadership Skills
  • Problem solving skills

Conditions of Employment

  • Clear criminal and credit record

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How to apply: Interested and qualified? Visit careers.capitecbank.co.za South Africa

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