Job title : Credit Risk Oversight Manager
Job Location : Western Cape, Stellenbosch
Deadline : October 13, 2025
Quick Recommended Links
- Jobs by Location
- Job by industries
Purpose Statement
To provide strategic second-line oversight of Capitec’s enterprise-wide credit risk, ensuring effective implementation and operationalisation of the Credit Risk Framework in alignment with regulatory requirements and business strategy.To challenge and influence first line's credit risk practices, policies, and risk appetite, while ensuring sound governance, data risk, and credit lifecycle oversight and partner with internal assurance functions such as Model Risk and Data Governance to ensure risk is measured, monitored, and reported in line with best practiceExperience
Min / Ideal :
Minimum of 7–10 years in credit risk, with 3–5 years in a senior or oversight capacity in banking or financial services.Proven experience in credit policy, credit analytics, or credit risk oversight.Experience working in or closely with second-line risk, model risk, or internal audit functions.Exposure to ICAAP, Recovery Planning, or regulatory submissions.Familiarity with the application of RDARR principles and use of KRIs for monitoring.Experience in risk reporting to board and executive levelsQualifications (Minimum)
Bachelor's Degree in Accounting - Management AccountingQualifications (Ideal or Preferred)
Honours Degree in Risk ManagementKnowledge
Min / Ideal :
Strong leadership and stakeholder engagement skillsExcellent communication and report writingWorking knowledge of credit lifecycle and products (unsecured, revolving credit, etc.)High-level understanding of IFRS 9, Basel II / III, ICAAP, Recovery PlanningRisk appetite design and monitoringStress testing and early warning indicatorsGovernance, risk and control frameworks (Three Lines of Defence)Familiarity with data governance and model governance (non-technical oversight)Skills
Analytical SkillsAttention to DetailChange Management SkillsCommunications SkillsComputer Literacy (MS Word, MS Excel, MS Outlook)Leadership SkillsNegotiation skillsNumerical Reasoning skillsAccounting / Financial Services jobs