Are you a seasoned credit professional with a passion for leadership and risk management? Capitec Bank is seeking a dynamic Provincial Credit Manager to join our business bank division in Sandton. This is a senior role that requires intuitive credit expertise and a strong leadership presence.
Why Capitec Bank?
- Innovative Environment: Be part of a forward-thinking bank that values innovation and continuous improvement.
- Career Growth: We invest in our employees development, offering numerous opportunities for career advancement.
- Collaborative Culture: Work alongside a team of dedicated professionals in a supportive and collaborative environment.
- Leadership: Manage and mentor a team of 10 to 12 credit professionals, driving energy and guiding them in credit assessments and larger applications.
- Credit Management: Support credit requirements in the Northern Cape and Gauteng West, ensuring effective credit risk management and decision-making.
- Risk Management: Oversee ongoing risk management responsibilities, including managing excesses, arrears, covenants, and dormant accounts.
- Stakeholder Engagement: Engage with business salespeople, relationship managers, and clients to meet credit requirements and drive growth.
- Project Management: Lead projects and initiatives to reconfigure workflows and drive departmental growth.
- Experience: Extensive experience in intuitive/judgemental credit, financial statement analysis, and risk management.
- Senior Management: 3 years experience at senior management level and 7 years experience in credit management.
- Leadership Skills: Proven ability to lead and mentor a team, with a CEO-like behaviour and a good grasp of credit assessment.
- Application of relevant credit and risk legislation in an organisation (NCA, CPA, Companies Act, Insolvency Act, etc.)
- Impact of regulatory bodies (BASA, SARB, SACCRA, NCR, and FIC) on the functioning of an organisation.
- Travel: Willingness to travel to regions, with subordinates based in Johannesburg.
- Relevant tertiary qualification in finance, business, or a related field.
- Strong knowledge of credit principles and practices.
Conditions of Employment:
- Clear credit and criminal record.
