Specialist: Credit Profit Optimisation at Capitec

Date: 17-Mar-2022

Location: Stellenbosch, Western Cape, ZA

Company: Capitec Bank Ltd

Purpose Statement

  • To provide subject matter expertise towards enhancing credit profit optimization, with specific focus on the Access Facility, in order to optimise Capitec Bank’s return on equity.



  • At least 5 years’ experience in a Financial / Retail / Banking environment, of which:
  • At least 2-3 years’ experience in credit risk analytics with experience in facilities and term loan products.
  • Proven experience in development of credit risk models e.g., profit models, scorecards, propensity.
  • Proven track record on using SQL, SAS, R or Python.
  • Experience in credit pricing and profitability.
  • Analytical experience on any credit portfolio.


  • At least 3-5 years’ experience in credit risk analytics in retail banking.
  • Experience in retail credit pricing and profitability modelling.
  • Experience in retail credit granting/origination.

Qualifications (Minimum)

  • Bachelor’s Degree in Mathematics or Statistics

Qualifications (Ideal or Preferred)

  • A relevant post graduate degree in Mathematics or Statistics



  • Quantitative credit analytics
  • Credit product profitability
  • Advanced statistical analysis
  • Advanced financial mathematics and data mining techniques
  • Financial and business acumen
  • Retail Credit Environment and credit life cycle


  • Knowledge of Capitec’s Credit Policy
  • General understanding of the Banks Act Capital Regulations, National Credit Act and the implication for Capitec business and the Credit Bureau.
  • Credit industry knowledge
  • Knowledge of data structures and systems
  • Activity Based Costing (ABC) methodology and application
  • Bank governance experience (ALCO, RiskCo, Credit Committee, etc)
  • Credit origination systems and processes
  • Strong data skills and understanding of different programming languages


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


  • Deciding and Initiating Action
  • Adhering to Principles and Values
  • Applying Expertise and Technology
  • Analysing
  • Persuading and Influencing
  • Formulating Strategies and Concepts
  • Coping with Pressures and Setbacks
  • Learning and Researching
  • Delivering Results and Meeting Customer Expectations

Conditions of Employment

  • Clear criminal and credit record


Capitec is committed to diversity and, where feasible, all appointments will support the achievement of our employment equity goals

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