Purpose Statement

• To ensure the deliverables within the area of responsibility aligns with the objectives, plans, processes and standards of Credit Decision Science (Granting Model/Collections, Recoveries, Account Management)
• To lead a team of specialists within the (Collections, Recoveries and Account Management  / Granting Model) function to perform analysis to translate active business data into usable strategic information to inform the business on any critical and measurable credit and risk indicators.
• To perform analysis to translate active business data into usable strategic information to inform the business on any critical and measurable credit and risk indicators.

About the role
Exciting Career Opportunities await You at Capitec!

Join our innovative Credit Management division as a Decision Scientist in the vibrant locations of Stellenbosch or Sandton. We’re actively seeking individuals at all experience levels, from entry to intermediate to senior/lead, to become part of our dynamic teams.

As a Decision Scientist at Capitec, you’ll play a pivotal role in building application and behavioral scorecards. We’re looking for candidates with a postgraduate degree and relevant experience at varying levels.

If you’re eager to be a part of the Capitec family in 2024 and ready to elevate your career to new heights, seize the opportunity by submitting your details through this advertisement today. Let’s connect in 2024 and embark on this exciting journey together!

Capitec is committed to diversity and, where feasible, all appointments will support the achievement of our employment equity goals

Experience

• 4 years’ relevant experience in statistical analysis
• Experience must include the following (within the Retail Credit Risk Management Environment):
  • Extracting and Aggregating Data from Large Relational Databases
  • Data Mining and Predictive Modelling

Qualifications (Minimum)

• Honours Degree in Mathematics or Data Science

Qualifications (Ideal or Preferred)

• Masters Degree in Mathematics or Data Science

Knowledge

• Analytics
• Predictive Modelling and Machine Learning
• Project management methodologies
• IT implementation cycle
• Credit cycle
• Technical understanding and knowledge (different operating systems / databases / programming languages)
• General business acumen to identify the impact technical issues may have on design and delivery of solutions.
• Best practices and tools in credit risk
• Interpretation of user requirements and translation into business requirements specifications
• Retail credit environment / industry
• Confidentiality and intellectual property implications and constraints
• Interpretation of user requirements
• Translation of business requirements into business requirement specifications

Skills

• Communications Skills
• Numerical Reasoning skills
• Analytical Skills
• Reporting Skills
• Computer Literacy (MS Word, MS Excel, MS Outlook)
• Attention to Detail
• Programming skill (SAS, SQL, R, Python)
• Commercial Thinking Skills
• Interpersonal & Relationship management Skills
• Leadership Skills

Competencies

• Care and passion for our people (Departmental Contributor)
• Earn and extend trust (Departmental Contributor)
• Simplify and make it easy (Departmental Contributor)
• Drive innovation mindset (Departmental Contributor)
• Lead with the “Why” (Departmental Contributor)
• Attract and relentlessly develop people (Departmental Contributor)
• Make decisions – faster and smarter (Departmental Contributor)
• Inspire optimism and persistence (Departmental Contributor)