Careers at Capitec Bank

Purpose Statement

• Under the guidance of the respective investigations manager, investigate instances of risk related to various types of fraud incidents across Capitec (e.g. claims fraud for Capitec Insurance. This will include internal fraud, serious breach of policies and procedures, and criminal syndicates). Investigate the matter, the parties involved and provide appropriate evidence for disciplinary hearings and/or criminal proceedings. Identify control weaknesses and recommend preventative measures, improvements, and training initiatives against potential fraud.

Experience
Min:

• 3 plus years’ experience as a Forensic Investigator/Auditor 

Ideal: 

• Proven experience as a Forensic Investigator/Auditor in the Financial Services Sector
• Proven experience in conducting insurance fraud investigations, including identifying, analysing and mitigating fraudulent claims.
• Background in funeral investigations or related qualifications (e.g., CFE, criminology, forensic law and Auditing, etc)
• Strong reporting and communication skills.

Qualifications (Minimum)

• A relevant tertiary qualification in Forensics

Knowledge
Min:

• Investigation methods and procedures  
• Criminal law and law of evidence of the judicial process

Ideal: 

• Fraud and misrepresentation in the insurance industry

Key Performance Areas
Investigation of all fraudulent activities

• Perform investigations identified or referred to the team from the claims or other departments from within Capitec Insurance.
• Plan the investigations and set specific objectives, including:
• Detail the modus operandi
• Gather comprehensive information and store it appropriately
• Stop, quantify and recover the losses where possible.
• Identify internal and external perpetrators and make recommendations for action against guiltyparties.
• Recommend corrective action on control weaknesses.
• Draft a detailed Forensic Report for findings and recommendations.
• If applicable, initiate a criminal case and work with Law Enforcement to drive investigation.
• Adhere to SLAs for appropriate action plan.

Implement fraud/theft preventative Measures

Reporting

External:

• Collaborate with Compliance and Risk Management to ensure that reporting is performed to regulatorybodies and law enforcement agencies and provide support as required including opening cases,providing written statements, documentation and affidavits where required.
• Liaise with and report to various industry bodies to share insights and information.

Internal and within the Group:

• On-going verbal and email reports to line management regarding activity.
• Provide input into reports for Insurance Exco on an ongoing basis providing:
• An overview of fraudulent activity and actions.
• Recommended changes to policy and process.
• “Return On Investment” (Savings due to fraud prevention).
• Internal information sharing/feedback regarding findings on identified fraud cases or enquiries orgeneral trends.
•  Enquiries and ad hoc responsibilities

Skills

• Analytical Skills
• Communications Skills
• Computer Literacy (MS Word, MS Excel, MS Outlook)
• Decision making skills
• Interpersonal & Relationship management Skills
• Negotiation skills
• Presentation Skills
• Reporting Skills

Conditions of Employment

• Clear criminal and credit record

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• We are seeking a business development leader to join Capitec’s SME Payment Acceptance team. This position is responsible for identifying, designing, and delivering products and services that provide tangible value and address genuine client needs. The role bridges strategy, execution and business, transforming insights into practical, commercially viable solutions that enhance our client service and drive business growth.

Why this role is different

• We give you the opportunity to operate as a true business owner. You will influence strategic direction, work closely with senior leaders and play a key role in shaping products that directly impact our clients. This is a space where you can apply both commercial thinking and creativity, and where your work will be visible across the organisation.

What you’ll do

• Lead the development and execution of business strategies that deliver measurable growth and client value
• Identify new opportunities through market analysis, client insight and competitor research, and turn them into clear business cases and plans
• Own the end‑to‑end delivery of product and service initiatives, from concept through to implementation and commercialisation
• Guide decision‑making by providing strategic advice, setting priorities and balancing demand with available resources
• Build and manage strong stakeholder relationships to align teams and ensure successful delivery across the business
• Monitor performance, track success metrics and continuously improve products and processes

Qualifications (Minimum)

• Honours Degree in Finance

Qualifications (Ideal or Preferred)

• Qualified Chartered Accountant (CA) in Finance

What we’re looking for

• Significant experience in the financial services or banking environment
• A track record of developing and delivering new ideas, products or business cases
• Strong commercial thinking with the ability to turn insight into practical solutions
• Experience working with senior stakeholders and building trusted relationships
• Ability to analyse market, competitor and client data to inform decisions
• Strong leadership, influencing and decision‑making skills
• Understanding of regulatory and governance requirements in financial service

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Purpose Statement

• We are looking for an experienced Client Experience (CX) Lead to drive client-centric transformation across the organisation. This role requires a strategic thinker who can translate client insights into meaningful business improvements while influencing stakeholders across multiple functions.
• This role is best suited to a highly versatile CX professional who has experience across client insights, end to end journey mapping, service design, and workshop facilitation. The ideal candidate should be comfortable challenging thinking, be solution driven, navigating complex projects, and driving client-centred change across the business.

Experience

• 6+ years' experience in Client Experience, Service Design, Client Insights, or a related Client Experience discipline.
• Demonstrated experience facilitating client journey mapping initiatives.
• Experience interpreting client and business insights and translating them into actionable recommendations.
• Experience engaging with senior stakeholders and facilitating cross-functional discussions.
• Exposure to service design methodologies and client-centred problem solving.

What You Will Do

Client Insights & Voice of Customer (VoC)

• Analyse client, business, and operational insights to identify opportunities for improvement.
• Translate qualitative and quantitative client data into actionable recommendations.
• Drive Voice of Customer initiatives and ensure client feedback informs strategic decision-making.
• Identify client pain points and emerging experience trends.

Client Journey Management

• Lead the development and facilitation of client journey mapping initiatives.
• Design and optimise end-to-end client experiences across multiple channels and products.
• Identify friction points, service gaps, and opportunities to improve client outcomes.
• Ensure client journeys are aligned to strategic business objectives.

Service Design & Business Improvement

• Apply service design thinking to improve products, processes, and client interactions.
• Assess the operational impact of business decisions on client experience.
• Service blueprints experience
• Collaborate with product, digital, operations, and business teams to implement client-centric solutions.
• Support the translation of client insights into practical design and service improvements.

Facilitation & Stakeholder Engagement

• Facilitate workshops, discovery sessions, driving improvements and conversations with business stakeholders.
• Influence decision-making through evidence-based recommendations.
• Present findings and strategic recommendations to senior leadership and executive teams.
• Build trusted relationships across multiple business areas and functions.

Strategic CX Leadership

• Champion client-centric thinking across the organisation.
• Drive CX value and maturity through capability building, coaching, and advocacy.
• Contribute to the continuous evolution of the organisation's CX operating model.
• Support strategic transformation initiatives through a client-focused lens.

Qualifications (Minimum)

• A relevant tertiary qualification in Business Engineering or Marketing Management

Qualifications (Ideal or Preferred)

• A relevant tertiary qualification in Brand Management or Digital Marketing

Knowledge
Preferred Background

• Client Experience (CX)
• Service Design
• Client Strategy
• Experience Consulting
• Human-Centred Design
• Journey Management
• Client Insights and Research
• Exposure to UX Design is advantageous, provided it is complemented by broader client experience and business-facing experience.

Skills

• Analytical Skills
• Attention to Detail
• Communications Skills
• Planning, organising and coordination skills
• Problem solving skills

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• We're hiring a Compliance Officer to support our Business Banking team in Sandton. Business banking is complex, our clients range from single director entities to multi-layered corporate structures, each with their own regulatory requirements and related parties. We need a trusted adviser who can help our teams navigate that complexity confidently: keeping us compliant without slowing us down.​​  

What you'll do

• Advise our Business Banking teams on compliance matters, from client queries and complaints to new products and strategic initiatives. 
• Identify and manage compliance risks across the business, whether spotting risks early or working with teams to make sure known risks are properly tracked and resolved. 
• Produce and deliver accurate, meaningful reports for governance structures and regulators. 
• Build and maintain strong relationships with internal stakeholders and regulators, representing us in regulatory engagements, on industry committees
• Partner with project teams across the business to make sure compliance is part of the plan from day one, providing relevant advice and delivering on governance requirements as projects move forward.  

What we're looking for

• At least 3 years' experience in banking/financial services compliance or legal advising. 
• A relevant qualification in law, a degree is preferred. 
• Working knowledge of South African financial services legislation, including Financial Intelligence Centre Act, the Financial Advisory and Intermediary Services Act, Market conduct Conduct requirements, the National Credit Act, the Protection of Personal Information Act and the Consumer Protection Act
• Proven ability to manage stakeholders at all levels, including executive leadership 
• Strong communication skills, you can translate complex regulatory requirements into clear, practical guidance 
• A financial services background is important, as it gives you a solid foundation to work independently from the start.  
   

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Purpose Statement

• The successful incumbent will be responsible for the constructional design of floor layouts for new/upgrade branches, including offsite cash devises and all alterations to existing branches, with a strong focus on external and internal branch signage, in-branch communication and overall branch look and feel. This will include the liaison with the relevant suppliers, contractors, landlords and tenant coordinators in this regard.

Experience

• 2 years’ experience in architectural design and construction

Qualifications (Minimum)

• Grade 12 National Certificate / Vocational

Qualifications (Ideal or Preferred)

• A relevant tertiary qualification in ITIL Foundation

Knowledge

• Building/ Construction – Methods/ Materials/ Regulations

Skills

• Computer Literacy (MS Word, MS Excel, MS Outlook)
• Communications Skills
• Project Management Skills (Methodolgy Specific)
• Interpersonal & Relationship management Skills
• Analytical Skills
• Commercial Thinking Skills
• Conditions of Employment
• A valid driver's license and own vehicle is required
• Clear criminal and credit record

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About The Role

• Numbers are the backbone of everything we do. As a Financial Accountant II, you'll make sure ours are right - recording transactions accurately, reviewing Balance Sheet reconciliations and keeping our financial records complete. You'll also guide and mentor team members, sharing your know-how to help the team grow.
• This role suits someone who takes ownership, thinks carefully and doesn't let errors slide.

What you'll do
Financial accounting

• Prepare and review financial information and reports
• Ensure the accuracy, completeness, and integrity of financial records.Manage and maintain accounting processes, controls, debits, credits, and reconciliations.Support expense and income reporting across multiple business areas.
• Partner with stakeholders to understand financial impacts and provide accounting guidance.Investigate variances, identify root causes, and recommend improvements.Contribute to continuous improvement initiatives and challenge existing processes where better solutions exist.
• Work collaboratively across Finance, HR, Risk, Marketing, Credit and other business functions.
• Record financial transactions accurately and on time throughout the month
• Execute month-end entries in line with the 'Month End Task List'
• Review and release Purchase Orders – checking VAT compliance, correct General Ledger allocation and budget availability
• Maintain Accruals, Contingencies, Provisioning and PrePaid schedules

Control environment

• Spot and act on opportunities to strengthen controls
• Design and maintain effective accounting processes and systems
• Review SAP Master Data regularly and keep it current

Analysis and reporting

• Perform month-on-month Income Statement expense analysis
• Review monthly Balance Sheet reconciliations and resolve items timeously
• Produce clear reports that other teams can use directly

Team support

• Guide and mentor team members in your area of expertise
• Review kilometre claims, personnel claims and payment requisitions before they go to Accounts Payable
• Review outstanding Purchase Orders weekly and work with Business to action them
• Help with internal and external audit requests

What You''ll Bring
Minimum qualifications and experience

• Bachelor's Degree in Accounting – Financial Accounting
• Completed SAICA or SAIPA Articles
• 0–2 years post-articles experience in Financial Accounting, covering a wide range of accounting functions

Preferred

• Honours Degree in Accounting – Financial Accounting
• SAP accounting module experience

Knowledge

• IFRS and GAAP
• Accounting principles and computerised accounting systems
• South African Tax, including VAT
• Financial data analysis and interpretation
• Microsoft Office Suite

Skills

• Strong analytical and numerical reasoning
• Sharp attention to detail
• Clear written and verbal communication
• Problem solving and reporting

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• We are growing our Connect team and adding a second Business Analyst to help us shape and improve a new revenue management system in a complex, high-volume environment. We need someone who can bring together business needs, technical thinking and clear analysis so we can build solutions that work, improve performance and reduce risk.

What you’ll do

• We will rely on this role to help define the right business requirements and turn them into clear, practical specifications that support delivery.
• We will work together to improve how we reconcile usage, recharge and invoice data so we can strengthen revenue accuracy and spot issues earlier.
• We will count on this role to connect business, product and technology teams so that ideas move smoothly into well-built solutions.
• We will need strong analysis of data, business rules and process flows so we can make better decisions in a technically demanding environment.
• We will look to this role to help shape solution design, support implementation and drive continuous improvement across existing and new applications.
• We will value someone who can work independently, ask good questions and stay focused on the outcomes that matter most.

Our team

• We are a small, growing team made up of three software engineers and one other Business Analyst, and we are expanding as we build out this capability. We work in our Connect environment, closely linked to high-volume data, technical platforms and product delivery

Why this role is different

• We are not hiring for a traditional analysis role. We operate in a data-heavy, technically complex space where understanding how things work matters.
• We offer the chance to contribute to a new system from the ground up, influence what gets built and build strong exposure across business, product and technology

What’s in it for you

• We offer meaningful work where you can see the impact of what you build.
• We create an environment where you can grow your technical and analytical skills.
• We support continuous learning through real-world exposure, not just theory.
• We value collaboration, ownership and people who take initiative.
• We provide a stable environment with opportunities to grow your career as the team evolves.

What we’re looking for

Minimum requirements

• We are looking for a relevant tertiary qualification in Business Analysis or a related field
• We need 4–7 years’ experience in business analysis, with the ability to work independently
• We require strong business and data analysis capability, including process understanding and requirement
• We expect experience working across business and technical teams, with strong stakeholder engagement
• We need experience in process design, solution delivery and agile environments
• We expect a solid understanding of how systems are built and delivered (development lifecycle)
• We look for strong analytical thinking, problem solving, communication and planning skills

Preferred

• We would value experience working in financial services or banking
• We would value exposure to telecoms or similar data-intensive environments
• We would value experience working with complex data sets and operational databases
• We would welcome familiarity with cloud-based environments and modern data platforms

Non-negotiable

• We require the ability to write and work confidently with SQL
• We need someone comfortable working in a data-heavy, technical environment

Conditions of employment

• We prefer this role to be based in Stellenbosch
• We require a clear criminal and credit record

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• As our digital platforms continue to evolve, we're looking for a passionate Test Automation Engineer to help ensure that every solution we deliver is robust, reliable, and customer focused. This opportunity sits within our Credit Enablement Collections team, where you'll play a critical role in ensuring the quality of systems supporting both Business Banking and Retail Collections. If you're someone who enjoys solving complex problems, questioning assumptions, collaborating with technical teams, and using automation to drive quality outcomes, we'd love to hear from you.

What will you do?

• As a Test Automation Engineer, you'll take ownership of testing activities throughout the software development lifecycle, with a strong focus on automation and continuous improvement. 

You will:

• Analyse business and technical requirements to design effective test strategies and test cases.
• Build, execute and maintain scalable automated test suites.
• Develop automation scripts and continuously improve automation frameworks and processes.
• Validate system behaviour across APIs, databases and event-driven architectures.
• Design and maintain test stubs and mocks where required.
• Investigate defects, identify root causes and collaborate with development teams to drive resolution.
• Monitor testing progress and provide meaningful reporting on quality, risks and outcomes.
• Work closely with developers and stakeholders to ensure solutions meet business expectations.
• Provide technical guidance and contribute to upliftment of testing practices within the team.
• Perform manual testing when required and support end-to-end quality assurance activities. 

Minimum Experience

• 3-5 years' hands-on experience in Test Automation.
• Experience designing and maintaining automated testing solutions.
• Experience working with modern software delivery practices and Agile environments.
• Experience collaborating with developers, analysts and business stakeholders.
• Experience mentoring or supporting less experienced team members.

Technical Expertise Required
We're particularly interested in candidates with experience in: 

• Playwright
• JavaScript / Node.js
• SQL (PostgreSQL and/or SQL Server)
• API and integration testing
• Service stubs and mocks using Node.js
• Event-driven architectures and Kafka
• CI/CD and modern development practices
• Test automation frameworks and tooling
• Exposure to AWS, cloud technologies, distributed systems, performance testing or security testing will be highly advantageous. 

Minimum Qualifications

• Bachelor’s degree in Computer Science, Information Technology or a related field OR
• Diploma in Computer Science, Information Technology or a related field with additional relevant experience and/or Test Automation certification. 

Education (Ideal or Preferred)

• Software Testing - Foundation Level through the International Software Testing Qualification Board (ISTQB)

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• We’re growing how we deliver digital banking experiences, and we need a Software Engineer who can help us build and run solutions end to end. In this role, we work across the full software lifecycle – from idea to live product – creating reliable, scalable applications that serve real client needs and open up new opportunities through embedded finance.

What you’ll do

• Design, build and deliver full‑stack solutions that are stable, scalable and easy to maintain
• Translate business needs into working software and contribute to solution design and problem solving
• Own the quality of your work by testing, deploying and supporting applications in production
• Collaborate with a cross‑functional team to continuously improve how we build and run our products
• Contribute to modern, API‑driven platforms that enable secure data sharing and new partner integrations

Why this role is different

• We own our products end to end – from idea to production and beyond
• We work on emerging capabilities in open and embedded finance
• We operate in a small team where your work is visible and valued
• We give you space to take ownership, make decisions and grow into more senior roles
• We balance strong engineering practices with a culture that values curiosity, initiative and collaboration

What we’re looking for

• Proven experience in full‑stack software development (around 3+ years)
• Strong skills in JavaScript, including Node.js, with exposure to modern front‑end frameworks
• Experience building and integrating APIs and working with databases
• Understanding of cloud platforms- AWS is a non-negotiable, modern architectures and containerised deployments
• Solid grounding in software design, testing and version control practices
• Ability to work across the full development lifecycle, from design to production support
• Strong problem‑solving, communication and collaboration skills
• A self‑starter mindset with the drive to learn, contribute and grow

Education (Minimum)

• Grade 12 National Certificate / Vocational

Education (Ideal or Preferred)

• A relevant tertiary qualification in Information Technology

Conditions of employment

• Clear criminal and credit record
• Based in Stellenbosch or willing to relocate
• Preference will be given in line with our employment equity goals

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About the Role

• We are looking for a highly skilled Software Engineer to join our Cash Devices team on a permanent basis. This role focuses on the development, integration, and support of custom ATM solutions, forming a critical part of the software platform that supports Capitec’s ATM estate.
• This is a specialist role combining strong Postilion expertise with SDK‑based Java development, with a primary focus on configuration, integration, and operational stability, rather than pure greenfield software development. The role is based in Stellenbosch, where hands‑on access to the ATM lab environment is required.

Key Responsibilities

• Develop and maintain custom applications and interfaces using the Postilion SDK
• Build and support Cash Devices applications and device integration solutions (ATM, POS, etc.)
• Customise and extend Postilion functionality to meet business and operational requirements
• Develop and maintain SDK‑based integrations using Java
• Support and upgrade integration drivers between devices and ATM applications
• Provide technical support, troubleshooting, and issue resolution for Postilion‑related systems
• Collaborate with cross‑functional teams including QA, infrastructure, and business analysts
• Support patching, upgrades, and lifecycle management of ATM software platforms

Our Ideal Candidate Has
Minimum 5 years’ experience in a Postilion systems role, including exposure to:

• Postilion Realtime
• PostCard
• Postilion Office
• ATM Application environments
• Minimum 5 years’ current experience with either:
• Postilion SDK or
• Java development in integration‑heavy environments
• Strong understanding of ISO 8583 messaging and ATM transaction flows
• Experience with ATM device protocols (e.g. Diebold 912, NCR NDC)
• Experience working with modern source control systems (Git / GitHub), including branching, merge requests, and code reviews
• Scripting experience (preferably PowerShell or Python)
• Solid database knowledge; SQL Server experience preferred
• Strong analytical, troubleshooting, and debugging skills
• Excellent communication and documentation abilities
• Experience in banking, fintech, payments, or switching platform environments

Education (Minimum)

• Grade 12 National Certificate / Vocational

Education (Ideal or Preferred)

• A relevant tertiary qualification in Information Technology

Skills

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

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• We’re growing our Capitec Pay capability and we’re looking for a Systems Analyst to help us support and scale how external partners integrate with our products. This role exists to ensure our partners can confidently adopt our payment solutions by providing clear technical guidance, strong analysis, and hands-on support throughout the integration journey.

What you’ll do

• Guide external partners through the integration process, helping them successfully connect to our payment solutions
• Work closely with our development teams to understand new features and translate them into clear, usable guidance for partners
• Act as the first point of contact for integration queries, troubleshooting issues and escalating where needed
• Create and maintain clear documentation, process flows and integration guides
• Analyse transaction data and identify patterns or risks to support decision-making
• Support continuous improvement by identifying opportunities to enhance integration processes and partner experience

Our team

• We’re part of our Capitec Pay environment, focused on enabling secure and scalable integrations with external partners. Our work supports a growing suite of payment products, including once-off, recurring and variable payments.
• We operate as a small, highly collaborative team with strong alignment to product and engineering. This means every team member has real visibility, influence and ownership in how we deliver value to partners and clients.

Why this role is different

• You’ll work directly with external partners and merchants, giving you exposure beyond internal systems
• You’ll play a key role in how our products are adopted and experienced in the market
• You’ll operate at the intersection of technology, data and client enablement
• You’ll be part of a team that values clear thinking, ownership and collaboration over hierarchy
• You’ll grow in a space where both technical understanding and analytical thinking are equally important

What we’re looking for

• Experience working as a Systems Analyst or in a similar technical role
• Solid understanding of APIs and integration concepts
• Exposure to tools such as Postman or similar API testing tools
• Ability to read and interpret technical information (including basic code or API documentation)
• Strong analytical thinking and ability to work with data
• Experience creating process flows, diagrams or technical documentation
• Comfortable working with external stakeholders and explaining technical concepts clearly
• Exposure to cloud platforms (AWS or Azure) is beneficial
• A proactive approach with a willingness to take ownership and support others
• Work with data extraction tools (e.g. SQL Server, DBeaver, MySQL) to support analysis and troubleshooting of integration and transaction data
• Leverage monitoring tools (e.g. Instana, Elasticsearch) to analyse system performance, identify trends and support operational decision-making

Ready to apply?

• If you enjoy working at the intersection of technology, data and people, and you want to play a meaningful role in how partners connect to our payment platform, we’d love to hear from you.
• Apply now and help us make integration simple, scalable and reliable.

Experience
Minimum:

• 2 - 4 years’ technical experience, such as in systems design and analysis, software development, systems engineering or similar
• Experience within the functional area
• Experience working collaboratively with cross functional and technical teams.

Ideal:

• Experience of technologies relevant to the functional area.

Qualifications (Minimum)

• A relevant tertiary qualification in Information Technology

Qualifications (Ideal or Preferred)

• Certification in ITIL

Knowledge
Minimum:

• Knowledge and understanding of:
• Functional knowledge of the respective area
• Systems analysis methodologies
• Defining functional and non-functional requirements
• Documentation including assistance with drafting documents for technical requirements and training purposes
• Where applicable for the functional area:
• SQL (e.g. My SQL and Microsoft SQL)
• API integration (e.g. web services, REST Services, SOAP, etc)

Ideal:

• Knowledge and understanding of: 
• ITIL Principles and the application thereof
• Automation tools
• Object-Oriented Analysis and Design (OOAD)
• Project Management and coordination
• Banking systems and business models
• Card Processing
• Best practices for Quality Assurance (QA)
• Jira and Confluence

Where applicable for the functional area:

• Programming and programming languages, enabling troubleshooting and escalation where required to Software Engineers. Could include: 
• JAVA |  C# | Python, Powershell, Postman/Soap |NET Frameworks |XML |JSON |HTML |CSS |JavaScript

Skills

• Analytical Skills
• Attention to Detail
• Business writing skills
• Communications Skills
• Interpersonal & Relationship management Skills
• Numerical Reasoning skills
• Problem solving skills