DebiCheck Manager

DebiCheck Manager

A specialist payments role with real depth, this position puts you at the centre of authenticated collections across both debtor bank and creditor bank operations. It’s a hands-on, high-ownership environment where DebiCheck sits at the heart of customer experience, collections performance, compliance, and operational control.

CORE RESPONSIBILITIES

• DebiCheck Product Ownership
• Own the DebiCheck capability end to end, keeping the roadmap aligned to business needs, regulatory updates, and operational realities.
• Act as the internal subject matter expert on DebiCheck, mandate flows, and authenticated collections
• Track PASA rule changes and assess operational impact
• Advise business and leadership teams on protocol capabilities, constraints, and opportunities
• Shape improvements across the mandate and collections journey

Debtor Bank Operations

• Manage the customer side of DebiCheck, making sure mandate approval and maintenance runs smoothly across channels.
• Oversee mandate approval, amendment, suspension, and cancellation processes
• Support customer journeys across app, USSD, and branch channels
• Monitor approval rates, dispute trends, and customer experience metrics
• Liaise with external creditors and sponsoring banks on queries and exceptions
• Protect customers through strong dispute handling and unauthorised debit controls

Creditor Bank Operations

• Take ownership of collections for Credit and Insurance, with a sharp focus on success rates and clean execution.
• Manage creditor onboarding, mandate registration, and collection processing
• Oversee TT1, TT2, and TT3 transaction types throughout the full lifecycle
• Improve collection performance through timing, mandate setup, and retry logic
• Handle returns, unpaid items, disputes, and recovery exceptions
• Produce clear reporting on collection performance and operational results

IMPLEMENTATION & RUN

• This role also carries the build-to-run journey, working closely with technology and ACH partners to land a stable, compliant service.
• Lead implementation workstreams with internal technology teams and external providers
• Define business requirements, test cases, and acceptance criteria
• Coordinate UAT, defect resolution, and production readiness
• Set up operational processes, controls, and handover documentation
• Support PASA certification and participation requirements

COMPLIANCE & STAKEHOLDER MANAGEMENT

• The role demands strong governance, good judgement, and confidence working across technical and business teams.
• Ensure compliance with PASA Authenticated Collections rules and SARB requirements
• Maintain audit trails, risk controls, and reconciliation accuracy
• Report on volumes, success rates, disputes, and risk indicators
• Represent the business in industry forums and working groups
• Build strong working relationships with banks, creditors, providers, and internal stakeholders

REQUIREMENTS

• Bachelor’s degree in Finance, Banking, Commerce, Information Systems, or a related field
• Postgraduate qualification in Payments, Banking, or Financial Services is an advantage
• PASA, banking, payments, or project management certification is an advantage
• 5+ years’ experience in South African payments, with strong DebiCheck exposure
• Solid understanding of TT1, TT2, TT3, mandate lifecycle management, and authenticated collections
• Experience across debtor bank and creditor bank operations
• Familiarity with ACH service providers, BankServAfrica, and operational payment environments
• Strong process management, documentation, stakeholder, and reporting skills
• English and Afrikaans proficiency
• A sharp mind, a steady hand, and proper payments know-how will go a long way in this role.