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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:

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Purpose Statement To contribute towards maximising Stage 3 recoveries and impairment releases, and minimising Stage 3 recovery costs and impairment raises for Capitec Business and Capitec Rental Finance through: Operationalising the Legal Recoveries Strategy and assuming duties for the Head: Legal Recoveries (as required) when unavailable. Managing the institution, progression and finalisation of applicable legal processes to ensure the optimal realisation of collateral and recoveries (in line with budget and targets) held across the scored secured and unsecured Business Bank non-performing loan portfolios, and the Rental Finance non-performing loan portfolio. Designing, implementing and managing performance within applicable Service Level Agreements and recoveries’ targets of all third parties utilised by the Legal Recoveries division. Building solid relationships with the External Debt Collectors (EDCs) and to continuously grow the EDC network to support the Business Bank and Rental Finance recovery strategies. Managing relevant stakeholders (clients, colleagues and external service providers), portfolios and processes so as to reduce non-performing loan ratios in line with industry norms. Experience

Minimum:

6 - 8 years in a banking / legal environment comprising of: at least 2 years at a managerial level  and 3 years in a Collections / Recoveries environment Experience in Insolvency practice

Ideal:

8+ years in a banking environment comprising of  2+ years at a managerial level, and 3+ years in a Collections / Recoveries space Qualifications (Minimum) Bachelor's Degree in Commerce or Law Qualifications (Ideal or Preferred) A relevant post-graduate qualification in Law or Business Administration Knowledge

Minimum:

Credit and corporate legislation and processes Banking and financial services industry Debt recovery processes  Collateral variants / types  Commercial, business and financial principles and practices  Governance and risk management principles Business products, processes, policies and systems Data analytics Stakeholder performance management principles Quality Assurance practice Deep knowledge of Insolvency principles / processes / policies / etc.

Ideal:

Management experience in Capitec Bank. Experience in the same or a similar industry EDC practice and experience  Skills Analytical Skills Attention to Detail Computer Literacy (MS Word, MS Excel, MS Outlook) Interpersonal & Relationship management Skills Problem solving skills 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.