Team Leader: Credit Pricing and Provisioning

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)

• 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)

• 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.

• Capitec Experience
• Supervisory experience

• Honours Degree in Mathematics or Statistics

• Masters Degree in Mathematics or Statistics

• 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

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

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

• Clear criminal and credit record