Job title : Department Manager : Legal Recoveries
Job Location : Gauteng,
Deadline : November 24, 2025
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Purpose Statement
This job reports into the Head : Credit Book Control and Recoveries, and assumes responsibility for maximising Stage 3 recoveries and impairment releases and minimising Stage 3 recovery costs and impairment raises for Capitec Business (“CB”) and Capitec Rental Finance (“CRF”). This will be achieved through :Assuming accountability for providing strategic direction to Legal Recoveries’ personnel, operations, data application, recovery tactics, litigation, insolvencies, outsourcing and campaigns; andEnsuring the optimal realisation of collateral securing the non-performing loan portfolios of CB ad CRF.Experience
Minimum :
8 – 10 years in a banking / legal environment comprising of at least4 years at a managerial level and4 years in a Recoveries spaceManagerial experience in Capitec Bank Limited or another financial institution in the sameQualifications (Minimum)
Bachelor's Degree in Law or CommerceQualifications (Ideal or Preferred)
A relevant post-graduate qualification in Commerce or Business AdministrationKnowledge
Minimum :
Up-to-date knowledge of legislation and regulations relevant to the Collections and Recoveries environmentsUp-to-date knowledge of the Credit Risk regulatory requirementsProtection of Personal Information Act (POPIA)Basel IIBanking and Financial Services IndustryStrategic credit risk managementAdvanced knowledge of the debt collection processesEntire credit life-cycleBroad business knowledge and acumenAdvanced knowledge of the National Credit Act, 2005; the Insolvency Act, 1936; the Companies Act, 2008; the Administration of Estates Act, 1965; and the Consumer Protection Act, 2008.Ideal : Understanding of :
Commercial, business, entrepreneurial and financial principles and practicesGovernance and risk management principlesData analyticsSkills
Project Management Skills (Methodolgy Specific)Problem solving skillsLeadership SkillsDecision making skillsAnalytical SkillsAccounting / Financial Services jobs