Work-Force
Manager: Credit Portfolio Management and Reporting position available.
Purpose Statement
The primary goal is to diversify risk related to bad debts while optimizing profits through effective credit portfolio reporting and management across Capitec Business Bank’s credit portfolio. This role requires collaboration with other departments, acting as a catalyst to ensure compliance with the bank’s risk parameters, as outlined in the credit risk appetite schedule.
Experience
Minimum:
- 8+ years of relevant credit risk management experience in both personal and business banking markets, including:
- 5 years of general credit management experience.
- 3 years of accounting experience.
- Proven ability to manage stakeholders at all levels, guiding and influencing decisions to manage credit risk.
Ideal:
- Experience in credit risk appetite formulation and credit portfolio management for a lending portfolio within a bank.
- Contributed to the development and execution of a credit management strategy.
Qualifications
Minimum:
- Honours Degree in Accounting (Financial or Management Accounting).
Preferred:
- Qualified Chartered Accountant (CA).
Knowledge
Minimum:
- Strong business acumen and understanding of credit risk management frameworks.
- Familiarity with project management methodologies and processes.
- Solid grasp of people and relationship management principles.
- Broad understanding of accounting and financial management.
Ideal:
- Extensive experience in credit risk management across key drivers of portfolio performance, such as financial reporting, provisions, risk appetite tracking, and risk profile analysis.
Skills
- Strong analytical and problem-solving skills.
- Commercial thinking.
- Proficient in MS Word, MS Excel, and MS Outlook.
- Excellent decision-making abilities.
Conditions of Employment
- Clear criminal and credit record.