Capitec Bank Ltd Invites suitably qualified applicants to apply for the Senior Credit Manager position (Multiple Vacancies) in Sandton, GT. The closing date for applications is 12 Jun 2025.
Job Title: Senior Credit Manager
Location: Sandton, GT
Company: Capitec Bank Ltd
About the Job
Are you a credit expert looking for a new challenge? Do you have a passion for managing credit and risk? Capitec Bank Ltd is seeking a Senior Credit Manager to join their team in Sandton, GT. In this role, you will be responsible for evaluating and managing credit risks within an allocated portfolio, ensuring the quality of credit risks and minimizing the risk of loss through bad debts while maximizing profits.
Key Responsibilities
- Evaluate and manage credit and associated risks within an allocated portfolio in a geographic region
- Integrate and control the credit function by maintaining the quality of credit risks across the portfolio
- Minimize the risk of loss through bad debts and maximize profits
- Interact with other areas of the bank to drive change initiatives and ensure compliance within agreed risk parameters
- Develop and implement strategies to manage credit risk and minimize loss
Requirements
To be considered for this role, you will need to have:
Minimum:
- At least 8-10 years of banking experience, with 5 years in credit
- Credit management experience across business and commercial markets in the intuitive space as well as the scored lending environment
- Working knowledge of the National Credit Act and other relevant legislation
- Significant experience in preparing and motivating credit applications
- Bachelor’s Degree in Commerce or Credit Management
Ideal:
- Experience of managing a portfolio of business customers with a service and financial analysis focus
- Honours Degree in Commerce or Credit Management
Knowledge:
- Business acumen
- Risk management principles and processes
- Project management methods and practices
- Relationship building and management techniques
- Financial management
- Customer relationship management (CRM) principles and techniques
- Knowledge of competitor product offerings/channels/operational and marketing tactics
- Credit principles and practices, including an understanding of credit application, securities, and legal entities
- Financial Advisory and Intermediary Services Act (FAIS) and the Financial Intelligence Centre Act (FICA)
- Ability to extract, analyze, and apply CRM insights to influence the client management approach and strategy
Skills:
- Analytical skills
- Attention to detail
- Communication skills
- Computer literacy (MS Word, MS Excel, MS Outlook)
- Interpersonal and relationship management skills
- Negotiation skills
- Numerical reasoning skills
- Planning, organizing, and coordination skills
- Problem-solving skills
Conditions of Employment:
- Clear criminal and credit record
What We Offer:
- Competitive salary and benefits package
- Opportunity to work with a leading bank in South Africa
- Professional development and growth opportunities
- Collaborative and dynamic work environment
How to Apply:
If you are a motivated and experienced credit professional looking for a new challenge, click here to apply for the Senior Credit Manager position: Click Here To Apply
Note: Only shortlisted candidates will be contacted. Thank you for your interest in Capitec Bank Ltd.