Credit Manager (Franchising) needed at Capitec Bank

Purpose Statement

• To minimise the risk of loss through bad debts, and maximise profits for the business through effective execution of credit application, evaluation and approval processes, and ensuring the quality of credit risks across the portfolio is maintained. 
• To interact with other areas of the bank and acting as a catalyst in ensuring compliance with agreed risk parameters as set out in the Bank’s strategy.

Experience

Minimum: 

• At least 5 years Credit Management experience across Personal and Business markets 
• Current Person-to-holder Credit Mandate 

Ideal: 

• At least 5 years Credit Management experience across Personal and Business markets 
• Experience in Intuitive Credit Granting

Qualifications (Minimum)

• Bachelor’s Degree in Credit Management or Banking

Qualifications (Ideal or Preferred)

• Honours Degree in Credit Management or Banking

Knowledge

Minimum: 

• Business knowledge
• Risk Management 
• Understanding of Project Management methodologies and processes, 
• People Management 
• Financial Management
• In-depth understanding of the NCA

Ideal: 

• Knowledge of Intuitive Credit Granting

Skills

• Commercial Thinking Skills
• Computer Literacy (MS Word, MS Excel, MS Outlook)
• Analytical Skills
• Problem solving skills
• Decision making skills
• Attention to Detail
• Numerical Reasoning skills