Capitec Bank
Manager: Credit Sales Forecasting
This job is now closed
Job Description
- Req#: 27786
- Lead the design, development and implementation of Credit portfolio take-up propensity and price elasticity modelling
- Recommend strategic changes to credit policy using propensity-based decision analyses, at both the portfolio and segmented level
- Lead with clarity regarding credit profit optimisation, pricing and propensity, as it relates to strategy, the monitoring thereof and recommending policy adjustments to align with strategic objectives.
- At least 5 years’ proven experience is sales propensity / pricing elasticity modelling
- At least 2 years’ people management experience
- Experience in:
- Drafting business plans, presenting and finalising strategies
- Business analysis: Design and implementation of processes and procedures
- Grade 12 National Certificate / Vocational in Grade 12 National Certificate
- A relevant post-graduate qualification in Accounting - Financial Accounting
- A Relevant Professional Qualification in Accounting - Financial Accounting
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Purpose Statement
Experience
Minimum:
Ideal:At least 5 years’ proven experience in Credit within the financial services / retail banking industry
At least 5 years’ experience in product costing, pricing and profitability measurement as well as related systems, processes and procedures in the financial services / retail bankingQualifications (Minimum)
Qualifications (Ideal or Preferred)
Knowledge
Minimum:
- Database querying software (ex. SQL)
- Statistical software (ex. SAS, R, Python)
- Predictive analytics in the context of articulating business requirements
- Building and developing effective teams
- Business Analytics
- Project management principles and methodologies (able to maintain continuity on multiple projects, time management, planning and organisational skills)
Ideal:- Understanding of accounting, budgeting, costing, pricing and provisioning principles as applied in a bank
- Income statement and balance sheet accounting transactions of a bank
- Financial systems & procedures
- Regulations pertaining to credit management
- Credit management systems
- Unsecured credit, including credit facilities and credit cards
- General understanding of the Banks Act Capital Regulations, National Credit Act and the implication for Capitec business and the Credit Bureau
- Strong credit industry knowledge
- Business analysis experience on a banking system
- Analytical experience on credit portfolio
- Bank governance experience (ALCO, Riskco, Credit Committee, etc)
Skills
- Communications Skills
- Networking
- Computer Literacy (MS Word, MS Excel, MS Outlook)
- Presentation Skills
- Facilitation Skills
Conditions of Employment
- Clear criminal and credit record
Capitec is committed to diversity, applications to this position will strictly be considered in support of our employment equity goals.