Capitec Vacancies

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To apply, click on the link at the end of the posts and all the best with your applications.

Specialist: Unsecured Credit

Date: 30 Nov 2024

Location: Sandton, GT, ZA

Company: Capitec Bank Ltd

Apply by: 09/07/2024

We’re on the lookout for energetic, self-motivated individuals who share our passion for service in the banking industry. To be part of the journey, follow the steps below:

1. To see what life at Capitec is all about and complete a short assessment, please click here!

2. Once you have completed the above finalize your application by clicking apply below.

Purpose Statement

To provide specialist knowledge and data insights linked to product knowledge towards the formulation and enablement of the Bank’s Unsecured Credit Strategy – in order to achieve the required market share within ROE and profitability targets
To provide business context to modelling and analytical teams and lead a data-driven Unsecured Credit strategy
To provide input into credit client experience through improved processes and product value proposition.

Experience

Minimum:

2 – 3 years working in an unsecured credit portfolio.
Exposure to a data-driven culture / business environment.
Proven experience in providing insights based on data analysis.

Ideal:

3+ years’ experience in risk management of unsecured credit portfolio

Qualifications (Minimum)

Grade 12 National Certificate / Vocational
Bachelor’s Degree in Commerce or Economic and Management Sciences

Qualifications (Ideal or Preferred)

Honours Degree in Commerce or Economic and Management Sciences

Knowledge

Minimum:

Analytics
Scorecard building, modelling and portfolio management
Understanding of scored lending / a volume book
Understanding of the SME environment
Financial Services Industry (retail or other)
Basel II
Credit Risk regulatory requirements

Ideal:

Banking

Skills

Analytical Skills
Computer Literacy (MS Word, MS Excel, MS Outlook)
Decision making skills
Numerical Reasoning skills
Problem solving 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.

Decision Scientist II

Date: 26 Nov 2024

Location: Sandton, GT, ZA

Company: Capitec Bank Ltd

Purpose Statement

To solve business problems, create new products and services and improve processes through using the disciplines of data science, quantitative (financial) analysis, and traditional scoring techniques, translating active business data into usable strategic information.
To look at ways of analysing and optimising data as it relates to a specific business area; framing data analysis in terms of the decision-making process for questions or business problems posed by a stakeholder.
To help build and deliver Capitec’s AI strategy, enabling data-led and improved business decision making. Design quantitative advanced analytics models that answer business questions and/or discover opportunities for improvement, increased revenue, or reduced costs.

Education (Minimum)

Honours Degree in Mathematics or Statistics

Education (Ideal or Preferred)

Masters Degree in Mathematics or Statistics

Knowledge and Experience

Minimum Knowledge and Experience:
Experience:

Length of experience required is conditional on the qualifications obtained
Experience in statistical (predictive and classification) model development and deployment incl. traditional scoring (logistic regression with binning and missing value replacement e.g. reject inference), machine learning (neural networks, SVM, random forests etc.), and quantitative analysis (time value of money etc.)
General business know-how: e.g. risk, compliance, operations e.g. NCR, POPIA, SARB
Business analysis and requirements gathering
Working in cloud environments e.g. Azure, AWS and large relational databases
Experience in at least one ML language (e.g. Python or SAS Viya)
Functional business area (e.g. Credit) environment knowledge and experience

Knowledge:

Understanding of state of the art statistical (predictive and classification) model development and deployment principles and techniques incl. traditional scoring (logistic regression with binning and missing value replacement e.g. reject inference), machine learning (neural networks, SVM, random forests etc.), and quantitative analysis (time value of money etc.).
Underlying theory and application of machine learning models; able to understand underlying principles and theory.
Best practices for decision science such as reusability, reproducibility, continuous monitoring, etc

Ideal Knowledge and Experience:

Financial sector experience
Working with multiple teams to deliver predictive models into a production environment
Capitec Decision Science lifecycle

Skills

Planning, organising and coordination skills
Numerical Reasoning skills
Attention to Detail
Problem solving skills
Decision making skills
Interpersonal & Relationship management Skills
Analytical Skills
Researching skills
Presentation Skills

Additional Information

Clear criminal and credit record

Credit Manager (Sandton)

Date: 11 Nov 2024

Location: Sandton, GT, ZA

Company: Capitec Bank Ltd

Apply by:

We’re on the lookout for energetic, self-motivated individuals who share our passion for service in the banking industry. To be part of the journey, follow the steps below:

1. To see what life at Capitec is all about and complete a short assessment, please click here!

2. Once you have completed the above finalize your application by clicking apply below

Purpose Statement

To minimise the risk of loss through bad debts, and maximise profits for the business through effective execution of credit application, evaluation and approval processes, and ensuring the quality of credit risks across the portfolio is maintained.
To interact with other areas of the bank and acting as a catalyst in ensuring compliance with agreed risk parameters as set out in the Bank’s strategy.