Team Leader: Credit Pricing and Provisioning at Capitec Bank

Purpose Statement


Lead the embedding, optimisation and maintenance of the accuracy of the Credit Pricing or Provisioning framework and all related models for the Capitec Group
Lead the team responsible for the design, development, testing, implementation and maintenance of existing and new models, while adhering to standards, principles, methodologies and frameworks for any one of the below functions:
Credit pricing and capital requirement calculations
Modelling and forecasting of bad debt (Provisioning)


Experience
Minimum:


Honours Degree with 7+ years' experience in an analytical capacity, working in a dynamic, mathematically complex environment - focusing on financial modelling.
Of which at least 3 years in working with credit pricing or provisioning.
OR Masters Degree with 6+ years' experience in an analytical capacity, working in a dynamic, mathematically complex environment - focusing on financial modelling.
Of which at least 3 years in working with credit pricing or provisioning.
Previous leadership experience
Regular exposure to members of the Executive Committee.


Ideal:


Capitec Experience
Supervisory experience


Qualifications (Minimum)


Honours Degree in Mathematics or Statistics


Qualifications (Ideal or Preferred)


Masters Degree in Mathematics or Statistics


Knowledge
Minimum:


Forecasting / budgeting
Advanced statistical analysis
Advanced financial mathematics
Expert knowledge on credit pricing or provisioning principles, standards, methodologies, frameworks and best practices.
Relevant legislation and regulatory frameworks (Basel, IFRS 9)
Regulatory analytics (ICAAP, AIRB)
Expert knowledge on the impact of the economic, operating and regulatory environment on credit pricing or provisioning strategies
Monitoring framework development and execution
Leadership principles


Ideal:


Commercial, business and financial principles and practices.
Operational environments across the credit life cycle


Skills


Analytical Skills
Attention to Detail
Communications Skills
Computer Literacy (MS Word, MS Excel, MS Outlook)
Numerical Reasoning skills