Available Roles at Capitec Bank

Job Description

• As a Decision Scientist at Capitec, you'll play a pivotal role in building application and behavioral scorecards. We're looking for candidates with a postgraduate degree and relevant experience at varying levels.
• If you're eager to be a part of the Capitec family in 2024 and ready to elevate your career to new heights, seize the opportunity by submitting your details through this advertisement today. Let's connect in 2024 and embark on this exciting journey together!
• Capitec is committed to diversity and, where feasible, all appointments will support the achievement of our employment equity goals

Experience

• 4 years’ relevant experience in statistical analysis

Experience must include the following (within the Retail Credit Risk Management Environment):

• Extracting and Aggregating Data from Large Relational Databases
• Data Mining and Predictive Modelling

Qualifications (Minimum)

• Honours Degree in Mathematics or Data Science

Qualifications (Ideal or Preferred)

• Masters Degree in Mathematics or Data Science

Knowledge

• Analytics
• Predictive Modelling and Machine Learning
• Project management methodologies
• IT implementation cycle
• Credit cycle
• Technical understanding and knowledge (different operating systems / databases / programming languages)
• General business acumen to identify the impact technical issues may have on design and delivery of solutions.
• Best practices and tools in credit risk
• Interpretation of user requirements and translation into business requirements specifications
• Retail credit environment / industry
• Confidentiality and intellectual property implications and constraints
• Interpretation of user requirements
• Translation of business requirements into business requirement specifications

Skills

• Communications Skills
• Numerical Reasoning skills
• Analytical Skills
• Reporting Skills
• Computer Literacy (MS Word, MS Excel, MS Outlook)
• Attention to Detail
• Programming skill (SAS, SQL, R, Python)
• Commercial Thinking Skills
• Interpersonal & Relationship management Skills
• Leadership Skills

Competencies

• Care and passion for our people (Departmental Contributor)
• Earn and extend trust (Departmental Contributor)
• Simplify and make it easy (Departmental Contributor)
• Drive innovation mindset (Departmental Contributor)
• Lead with the "Why" (Departmental Contributor)
• Attract and relentlessly develop people (Departmental Contributor)
• Make decisions - faster and smarter (Departmental Contributor)
• Inspire optimism and persistence (Departmental Contributor)

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Purpose Statement

• Design and implement end-to-end solutions for card management and transaction switching systems.
• Collaborate with business and IT stakeholders to define system requirements and business goals.
• Ensure solutions are scalable, secure, and compliant with industry standards.
• Lead and mentor a team of developers and engineers.

Experience

• At least 1 years’ relevant end to end design and development experience
• Proven experience with enterprise architecture frameworks and business process modeling.
• Strong understanding of network architecture and security protocols.
• Experience in cloud computing environments, such as AWS, Azure, or Google Cloud Platform.
• Knowledge of continuous integration/continuous deployment (CI/CD) and DevOps practic
• 3- 5 years’ experience working proven knowledge of and experience with Card Management Systems
• Proficient with Amazon Web Services
• Linux Server
• Card Management/Transaction Switching Systems
• SQL Server/Postgres/Oracle
• C#/Java
• Familiar with containerization technologies
• A thorough understanding of PCI DSS and ISO8583

Qualifications (Minimum)

• Grade 12 National Certificate / Vocational

Qualifications (Ideal or Preferred)

• A relevant qualification in Information Technology

Knowledge

Min:
Must have detailed knowledge of:

• System architecture (technical design and implementation processes)
• Systems analysis and design
• UML or equivalent modelling language
• Technical Test Plan Design
• IT systems development processes
• Application development
• Standards and governance

Ideal:
Detailed knowledge of:

• Banking systems
• Agile development life cycle
• Knowledge of UML

Solid understanding of:

• Capitec Bank’s systems environment
• Capitec Bank business model
• Best practices for Quality Assurance (QA)
• Object Orientated Development environment (i.e. Java, Spring Framework, JBoss)

Skills

• Communications Skills
• Interpersonal & Relationship management Skills
• Analytical Skills
• Problem solving skills
• Commercial Thinking Skills
• Attention to Detail

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Purpose Statement

• To design and deliver learning and development solutions using multiple channels and tools to unlock the potential of Capitec employees.

Qualifications (Minimum)

• National Certificate in Human Resources or Education

Qualifications (Ideal or Preferred)

• Bachelor's Degree in Human Resources or Psychology

Knowledge

Minimum:

• Learning design and learning design tools
• Adult learning design principles and methodologies
• Diversity of learning preferences styles 
• Blended learning
• Learning needs analysis principles and process
• Learning curriculum design
• Facilitation methodologies

Ideal:

• Performance consulting principles
• Virtual learning design approaches

Skills

• Communications Skills
• Interpersonal & Relationship management Skills
• Negotiation skills
• Computer Literacy (MS Word, MS Excel, MS Outlook)
• Planning, organising and coordination skills
• Problem solving skills
• Attention to Detail
• Facilitation Skills

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About the role

• You will provide direction to and lead IT teams responsible for the full product lifecycle to ensure successful delivery of all product features, support and maintenance related tasks within the Capitec Bank Operations and oversee the ongoing drive to increase efficiency, optimization, innovation and people development in these environments.

Our Ideal Candidate

• Bachelor’s degree in information technology - Computer Science or Information Technology - Programming
• A minimum of 3-5 years’ experience in software development management, including proven experience in leading a technical team.
• AWS experience is highly advantageous 
• Demonstrated experience in progressive database or software development roles.
• Experience In an environment which requires validating work.
• Proficiency in engaging and managing stakeholder relationships, ensuring alignment with project goals and expectations.
• Proven ability to take responsibility for delivering projects in a fast-moving environment, meeting tight deadlines, and adapting to changing requirements.
• Solid understanding of general business principles, including budgeting and accounting.
• Competence in business analysis and design to effectively align software solutions with business needs and objectives.
• In-depth knowledge of project management principles and methodologies to efficiently organize and streamline project execution.
• Extensive experience with the Systems Development Life Cycle (SDLC

Minimum Requirements :

• Bachelor’s degree in information technology - Computer Science or Information Technology - Programming
• A minimum of 3-5 years’ experience in software development management, including proven experience in leading a technical team.

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Purpose Statement

• To manage the Business Centre in terms of driving a proactive sales and service culture that will retain and grow the Business Centre client base. 
• Responsible for driving activity, planning and implementing marketing, sales, and support services strategies for the Business Centre

Experience

Minimum:

• Banking experience of at least 5 years, of which 3 years should have been spent in the Business Banking environment.
• 3 years managerial experience
• Significant experience in preparing and motivating Credit applications 
• Budgeting, forecasting, cost control and sales management experience is essential. 
• Accountability for managing a profitable cost centre. 

Qualifications (Minimum)

• A relevant tertiary qualification in Business Management or Finance

Qualifications (Ideal or Preferred)

• Bachelor's Degree in Business Management or Finance

Knowledge

Minimum:

• Business knowledge and acumen
• Understand interdependencies between industry knowledge, business and financial risks, Business banking product knowledge, pricing and taxation (to determine feasible operating tactics for the Centre to maximise total profit and minimise loss )
• People management principles and practices  
• Financial Modelling; activity based costing, financial analysis (evaluating and identifying trends), complex cash flow cycles (industry/ sector specific) 
• Principles and practices of business economics and the current business economic environment. 
• Different industry sectors and sector risk profiles/ trends; this includes an understanding of the impact of climatic conditions on markets 
• Managing Local Market (MLM) sales principles and practices to manage and optimise retention and growth within the Centre. 
• General banking practices and procedures. 
• Knowledge of competitor product offerings/ channels/ operational and marketing tactics. 
• Credit principles and practices, including an understanding of credit application, securities and 
• Legal entities (companies, close corporations, sole proprietorships etc.) in the commercial market and the legislative restrictions and requirements governing these from a financial services perspective. 
• Financial Advisory and Intermediary Services Act (FAIS) and the Financial Intelligence Centre Act (FICA). 
• Extract and apply information to CRM (Customer relationship management) strategy 
• General understanding of how Business Banking operates, as well as understanding the business risks, industry risks and financial requirements pertaining to the business market

Ideal:

• Features, benefits and value propositions of the respective company product/service offerings. 
• Multi-level products available and pricing structures
• Current taxation laws as they apply to customers. 
• A good knowledge of administration processes and procedures pertaining to Business Banking transactions

Skills

• Communications Skills
• Analytical Skills
• Interpersonal & Relationship management Skills
• Negotiation skills
• Planning, organising and coordination skills

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Purpose Statement

• To be the custodian for sales operational excellence, and enable an optimal sales and service experience, provide input into, and drive the sales strategy and manage end to end supplier relationships.

Experience

• 8-10 years relevant management experience in a corporate sales environment
• Managing a large national sales team
• Experience in the Rental Industry is required, banking and vehicle finance experience will be advantageous. 

Qualifications (Minimum)

• Grade 12 National Certificate / Vocational

Qualifications (Ideal or Preferred)

• A relevant degree in Marketing

Knowledge

• Sales principles and processes
• Competitor tactics, distribution channels and product offering
• Market segmentation propositions and supplier profiles
• Sales strategies and operations in the Rental environment

Skills

• Computer Literacy (MS Word, MS Excel, MS Outlook)
• Influencing Skills
• Interpersonal & Relationship management Skills
• Negotiation skills
• Networking
• Presentation Skills
• Problem solving skills
• Selling Skills

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Purpose Statement

• To enhance the lives of our clients by providing excellent client service, fulfilling and exceeding the client’s needs, by using the Global One product offering in order to support our clients to Bank Better and Live Better  

Experience

Minimum:

• 3 to 6 months previous client service experience within a retail/ financial/ banking environment OR if no experience, a candidate with a relevant tertiary qualification can be considered"

Ideal:

• More than 1 year’s client service experience within a retail/ financial/ banking environment
• Demonstrated track record of engaging in a sales and client facing environment 

Qualifications (Minimum)

• Grade 12 National Certificate / Vocational

Qualifications (Ideal or Preferred)

• A relevant tertiary qualification in Commerce or Similar
• Certification in Finance or Banking

Knowledge

Minimum:

Knowledge and understanding of:

• Basic calculations
• Retail/consumer service environment

Ideal:

Knowledge and understanding of:

• Capitec Bank Products
• Internal business processes and procedures
• Organisational Policies, including (but not limited to) the Branch Credit Granting Policy principles (BCGP)

Skills

• Communications Skills
• Interpersonal & Relationship management Skills
• Computer Literacy (MS Word, MS Excel, MS Outlook)