Capitec Bank is a South African commercial bank. As of February 2017 the bank was the third largest in South Africa with 120,000 customer opening new accounts per month.
To simplify banking, we’ve developed an all-inclusive banking solution. Global One is the one solution that enables you to transact, save and access credit in realtime. We also believe in ...
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Purpose Statement
- The level II Software Engineer plays an integral part in a cross-functional team dedicated to the full software development lifecycle, from concept, to development to deployment and ultimately operating of each product. At this level, Software Engineers are responsible to design, develop, test, deploy, maintain and enhance software systems and applications based on specifications, while adhering to established standards. They translate requirements from the business or technical analyst and actively participate with the delivery team in design and problem-solving.
- The Full Stack Software Engineer plays a crucial role in developing and maintaining both front-end and back-end components of web applications and works on all layers of the application stack. They are therefore responsible for applying a holistic approach to building solutions that not only offer optimum performance, reliability, and scale but also create great client experiences.
Education (Minimum)
- Grade 12 National Certificate / Vocational
Education (Ideal or Preferred)
- A relevant tertiary qualification in Information Technology
Knowledge and Experience
Experience:
- 3+ years’ proven experience in both front- and back-end software development, project delivery and implementation (in relevant development technologies/language). Experience with modern front-end and back-end frameworks and technologies
Knowledge:
Is able to apply advanced knowledge of the following:
- IT systems development processes (SDLC)
- Application development
- Advanced programming concepts
- Advanced algorithms and data structures
- Design Patterns
- Version Control
- Testing practices
- Database systems and query optimization (e.g., SQL, NoSQL).
- RESTful API design and integration.
- Cloud computing platforms and services (e.g., AWS, Azure).
- Advanced Microservice and event driven architectures
- Deployment using kubernetes and containerization
- Responsive design principles and mobile-first development.
- Browser compatibility issues and performance optimisation.
- Front-end build tools and package managers
Skills
- Analytical Skills
- Attention to Detail
- Communications Skills
- Interpersonal & Relationship management Skills
- Problem solving skills
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Purpose Statement
- To provide a proactive business banking sales and service management function that will retain and grow a portfolio of business clients by identifying and implementing value adding and specialised business banking financial products solutions from a range of standard and/or customized offerings.
Experience
Minimum:
- Banking experience of at least 5 years, of which 3 years should have been spent in the Business Banking environment.
- Experience of managing a complex portfolio of business customers with a service and financial analysis focus.
- Significant experience in preparing and motivating Credit applications
- Cost control and sales management
Ideal:
- 1-2 years managerial /leadership experience
- 1-2 years managing a small business 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:
- Principles and practices of business economics and the current business economic environment.
- Customer relationship management (CRM) principles and techniques
- Different industry sectors and sector risk profiles/ trends; this includes an understanding of the impact of climatic conditions on the agricultural market (if there are agric clients in the portfolio).
- Local market (LM) sales principles and practices to manage and optimise retention and growth within the portfolio.
- 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
- 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).
- Able to extract, analyse and apply CRM insights to influence the client management approach and 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
- Financial Modelling; activity based costing, financial analysis (evaluating and identifying trends), complex cash flow cycles (industry/ sector specific)
Skills
- Interpersonal & Relationship management Skills
- Analytical Skills
- Negotiation skills
- Problem solving skills
- Computer Literacy (MS Word, MS Excel, MS Outlook)
- Commercial Thinking Skills
- Strategic Thinking Skills
- Communications Skills
- Influencing Skills
- Attention to Detail
- Decision making skills
Conditions of Employment
- Clear criminal and credit record
- Willingness to work flexible hours (including Saturdays and Public Holidays)
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About the team
- We work in the electronic payments space, supporting systems that process large volumes of transactions every day. Our work plays a critical role in how money moves through the business. We collaborate across technology, product and operations to ensure payments are fast, accurate and dependable.
Why this role is different
- We work on systems that have real, visible impact at scale
- We give engineers space to influence design and improve how things are built
- We balance delivery with quality, stability and responsible engineering
- We value collaboration, learning and clear ownership over hierarchy
What we’re looking for
- 3 – 6 years’ proven experience in both front- and back-end software development, project delivery and implementation (in relevant development technologies/language).
- Experience with modern front-end and back-end frameworks and technologies
- Experience building full‑stack applications using Java
- Confidence working across both back‑end and front‑end components
- Experience supporting systems that need to be reliable and secure
- Ability to solve problems, improve existing code and work through complexity
- A practical, team‑focused mindset with a strong sense of responsibility
- AWS Certification – Ideal
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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Purpose Statement
- The Data Analyst role exists to unlock value from data by making data accessible and meaningful to stakeholders across the organization. This role transforms data into actionable insights that support strategic decision-making, optimize operations, and drive business performance. By identifying trends, patterns, and opportunities, the role enables informed, data-driven decisions and contributes directly to the company’s strategic objective of being an insights-driven organization.
Experience
- NB. Length of experience required is conditional on the qualifications obtained but must include:
- Experience in data analysis, with a significant portion in the financial services or banking sector
- Proven track record of leading data analysis projects and driving business impact through data insights
- In using advanced data analysis tools and software (e.g., SQL, Python, R, Tableau, Power BI).
- Experience in performing complex data analysis and statistical modelling.
- Experience working with, guiding and providing subject matter expertise to cross-functional teams (e.g., finance, marketing, IT) to understand business needs and provide data-driven insights.
- Of communicating and presenting findings and recommendations to non-technical stakeholders.
- Understanding of various financial products and services, industry trends, industry regulations and compliance requirements and their impact on financial data analysis
Qualifications (Minimum)
- Bachelor's Degree in Analytical/Data/Technical or Other
Qualifications (Ideal or Preferred)
- Honours Degree in Analytical/Data/Technical or Other
Knowledge
- Advanced proficiency in writing complex SQL queries, optimizing query performance, and working with large datasets.
- Expertise in advanced Excel functions, including macros and VBA.
- Proficiency in creating advanced visualizations and dashboards using tools like Tableau, Power BI, or similar.
- Advanced skills in Python or R, including data manipulation libraries (e.g., pandas, numpy) and data visualization libraries (e.g., matplotlib, seaborn).
- Strong understanding of statistical methods and their application in financial data analysis.
- Understanding of predictive analytics techniques and their application in financial analysis.
- Knowledge of data modelling techniques to structure and organize data effectively.
- Understanding of risk analysis methods and their application in financial services.
Skills
- Analytical Skills
- Communications Skills
- Problem solving skills
- Project Management Skills (Methodolgy Specific)
- Conditions of Employment
- Clear criminal and credit record
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Purpose Statement
- To ensure all financial accounting transactions are effectively and efficiently recorded and accounted for within the financial results.
- To review and analyse financial results to ensure accuracy and completeness of financial records.
- To perform and review Balance Sheet reconciliations to ensure all Balance Sheet values are comprehensively substantiated.
- To provide subject matter expertise, technical knowhow, experience, oversight, and guidance for others in respect of a portfolio, function, or department.
- * Appointment will be on a fixed-term contract basis for 12 months.
Experience
Minimum:
- Completed SAICA / SAIPA Articles
- 0 to 2 years post articles working experience of Financial Accounting
- This should include the responsibility for executing a wide range of accounting functions
- Providing financial advisory support to Business
Ideal:
- SAP system (accounting module/s)
- Capitec experience
Qualifications (Minimum)
- Bachelor's Degree in Accounting - Financial Accounting
Qualifications (Ideal or Preferred)
- Honours Degree in Accounting - Financial Accounting
Knowledge
Knowledge and understanding of:
- IFRS
- GAAP
- Accounting principles
- Computerised accounting systems and principles
- South African Tax and specifically VAT
- Management of accounts
- Financial analysis of large volumes of data in an efficient manner and interpretation of results
- Business communication
- Microsoft Office Suite of tools
Ideal:
- Capitec knowledge
- Knowledge of SAP Accounting System
Skills
- Analytical Skills
- Attention to Detail
- Communications Skills
- Computer Literacy (MS Word, MS Excel, MS Outlook)
- Interpersonal & Relationship management Skills
- Numerical Reasoning skills
- Problem solving skills
- Reporting Skills
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About the Role
- We are looking for an Intermediate Software Engineer II (Backend) to join our Card Processing and Fraud environment. You will work on real-time stream processing systems that detect and prevent card fraud, protecting millions of transactions every day. This role suits a self-starter who enjoys ownership and working in high-volume, low-latency environments.
What You Will Be Doing
- Build and enhance real-time fraud detection systems using Apache Flink (training provided)
- Develop resilient stream processing applications handling high-volume card transactions
- Design and implement event-driven architectures using Kafka and messaging platforms
- Work with ISO 8583 card transaction message formats
- Integrate with Postilion card payment processing systems
- Build secure microservices using Spring Boot
- Optimise systems for low latency and high availability
- Implement monitoring and alerting for real-time processing pipelines
- Work with PostgreSQL and MS SQL Server for transaction data and analysis
- Deploy containerised applications using Docker and Kubernetes
- Use AWS cloud services including S3, RDS, SQS, MSK and Kinesis
- Participate in code reviews and promote testing best practices
- Collaborate in Agile, cross-functional teams
What We Are Looking For – Essential Requirements
- 4 years’ experience building production-grade Java applications
- Strong Java expertise (Java 11+) and Spring Boot
- Experience building event-driven systems using Kafka
- Exposure to AWS cloud services
- Understanding of microservices architectures
- Experience designing RESTful APIs
- Strong PostgreSQL skills and query optimisation
- Git version control and collaborative development
- CI/CD exposure, preferably GitHub Actions
Tech Stack
- Backend: Java 11+, Apache Flink, Spring Boot, Spring Cloud, Maven
- Streaming: Kafka, Kafka Streams
- Data: PostgreSQL, Redis
- Cloud: AWS (S3, RDS, SQS, MSK, Kinesis)
- Infrastructure: Docker, Kubernetes
- Payments: Postilion, ISO 8583
- Observability: Prometheus, Grafana, OpenSearch
Highly Valuable (We Will Train You)
- Stream processing frameworks such as Apache Flink, Kafka Streams or Apache Storm
- Real-time processing and event-driven architecture patterns
- Docker and Kubernetes
- CI/CD pipelines and automation
Nice-to-Have
- Payments or fintech experience
- Card processing exposure
- Postilion experience
- ISO 8583 message format knowledge
- Fraud, risk or financial crime systems
- Redis or caching technologies
- Monitoring tools such as Prometheus and Grafana
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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Purpose Statement
- To play a key role in enabling the performance of teams in a designated department or function, providing tactical and operational support to minimize downtime and maximize and optimise departmental performance.
Experience
Min:
3-4 yrs experience in an operational / planning environment with experience in one or more of:
- 1 year dialler administration experience
- contact centre operations experience e.g collections/client care
- Exposure to providing functional leadership for delivery.
- Experience in identifying trends and operational gaps and communicating change requirements.
- Experience in managing stakeholders at various levels
- Experience in analysing data and Excel
Ideal:
- Master data management / administration
- Technical Support Experience
Qualifications (Minimum)
- Grade 12 National Certificate / Vocational
Qualifications (Ideal or Preferred)
- A relevant tertiary qualification in Information Technology or Business Management
Knowledge
Min:
- The business environment in the context of service provision.
- Client engagement and support practices and principles.
- Basic data analytics and business process
- Stakeholder engagement and management
- Knowledge of regulatory requirements, compliance standards in an operational environment
Ideal:
- Contact centre knowledge
- Understanding of Capitec Bank's internal environment and processes
- Debt collection processes | Credit Risk Management | Retail Credit Industry
- National Credit Act (NCA)
- Regulations relating to predictive diallers
- Contact centre software tools
- Technical knowledge of telecom hardware
- Cloud service knowledge on platforms such as AWS connect and Salesforce
Skills
- Analytical Skills
- Attention to Detail
- Communications Skills
- Computer Literacy (MS Word, MS Excel, MS Outlook)
- Decision making skills
- Interpersonal & Relationship management Skills
- Numerical Reasoning skills
- Planning, organising and coordination skills
- Problem solving skills
- Reporting Skills
- Conditions of Employment
- Clear criminal and credit record
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Purpose Statement
- To provide a business centre-based Business Banking sales and service function that will retain and grow a portfolio of business clients by identifying and implementing value adding and specialised business banking financial products solutions from a range of standard and/or customized offerings.
Experience
Minimum:
- Banking experience of at least 3 years
- Experience of managing a portfolio of business customers with a service and financial analysis focus.
- Experience in preparing and motivating Credit applications
- Cost control and sales management
Ideal:
- 1+ yr spent in the Business Banking environment preparing and motivating credit application
Qualifications (Minimum)
- Diploma in Commerce or Finance
Qualifications (Ideal or Preferred)
- FAIS accredited as Key Individual and approved by FSCA
Knowledge
Minimum:
- Customer relationship management (CRM) principles and techniques
- How to interpret financial statements, balance sheets and basic financial ratios
- Standardized business banking transactional products and other core products relevant to small enterprises
- Business banking product offerings
- Understanding of collateral and balance sheets
- Multiple legal entities (companies, close corporations, sole proprietorships, etc.) in the business banking market and the legislative restrictions & requirements governing these from a financial services perspective
- Companies and Intellectual Properties Registration Act (CPIC) for correct documentation/mandate preparation purposes
- Knowledge of competitors offerings
- Regulations, Acts and Codes related to the banking environment.
- Financial Advisory and Intermediary Services Act (FAIS), the Financial Intelligence Centre Act (FICA)
Ideal:
- Features, benefits and value propositions of the respective company product/service offerings.
- Current taxation laws as they apply to customers.
- A good knowledge of administration processes and procedures pertaining to Business Banking transactions
Skills
- Interpersonal & Relationship management Skills
- Analytical Skills
- Negotiation skills
- Problem solving skills
- Computer Literacy (MS Word, MS Excel, MS Outlook)
- Commercial Thinking Skills
- Strategic Thinking Skills
- Communications Skills
- Influencing Skills
- Attention to Detail
- Decision making skills
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Why this role exists
- We are looking for a Senior Software Engineer (Back End) to help us build, run and continuously improve the systems that power our payments environment. This role exists to strengthen our back-end capability in a space where reliability, scale and thoughtful engineering really matter.
- You’ll work on complex systems used every day, influence technical direction, and support the growth of other engineers in the team — while still staying hands-on with the work.
What you’ll be responsible for
Building and evolving our systems
- Design and develop reliable, scalable back-end services that support critical payment flows
- Translate business and technical needs into well-considered software solutions
- Balance performance, security, resilience and cost when designing systems
- Build reusable services, APIs and components that support long-term platform growth
Quality, integration and operations
- Integrate back-end systems with internal platforms and external service providers
- Write clean, maintainable code and contribute to strong testing practices
- Participate in code reviews and help strengthen overall code quality
- Support production systems by investigating issues, resolving incidents and improving stability
- Contribute to performance tuning, capacity planning and system resilience
Technical leadership and collaboration
- Provide technical guidance and mentorship to less-experienced engineers
- Contribute to technical discussions and shared decision-making within the team
- Work closely with delivery leads, product partners and other engineers
- Share knowledge and help grow engineering capability over time
Learning and improvement
- Stay current with modern back-end development practices and patterns
- Apply new ideas and learning to improve how we build and operate software
- Contribute to a culture of clarity, ownership and continuous improvement
About the team
- We work in the payments space, a core area that enables how our clients move and manage money every day. Our systems operate at scale and integrate with multiple internal teams and external partners. We value engineers who care about quality, are comfortable with complexity, and take ownership of the outcomes they deliver.
What makes this role different
- Work on genuinely business-critical systems
- Influence technical approaches and engineering standards
- Mentor and develop other engineers
- Be part of a culture that values simplicity, learning and doing the right thing
What we’re looking for
- 6+ years’ experience in software development, with a strong focus on back-end systems
- Proven experience designing, building and supporting production systems
- Experience working in cloud-based environments
Technical capability
- Strong development experience in Java
- Solid understanding of the software development lifecycle
- Experience with API design and systems integration
- Working knowledge of data storage, access patterns and performance considerations
- Experience with modern development practices such as version control, testing and CI/CD
Ways of working
- Strong problem-solving and analytical skills
- Clear, pragmatic communication
- Attention to quality and long-term maintainability
- Comfortable guiding and supporting other engineers
- Adaptable and open to learning
Education (Minimum)
- Grade 12 National Certificate / Vocational
Education (Ideal or Preferred)
- A relevant tertiary qualification in Information Technology
Additional Information
- Clear criminal and credit record
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Purpose Statement
- To maximize franchise business opportunities and reduce the risk exposure by assessing the bankability of financing applications and the credit risk, as well as to provide other related administrative support functions, efficiently and effectively.
Experience
Minimum:
- 5 years’ experience in the field of credit risk and portfolio assessment, mitigation and management
- Analysing external market dynamics and applying commercial know how to recognise and execute appropriate tactical response.
- Experience of managing a portfolio of business customers with a service and financial analysis focus.
- Significant experience in preparing and motivating Credit applications
Ideal:
- Franchise experience will be an advantage
Qualifications (Minimum)
- Bachelor's Degree in Commerce or Finance
Qualifications (Ideal or Preferred)
- Honours Degree in Commerce or Finance
Knowledge
Minimum:
- Technical knowledge of risk assessment, mitigation and management
- Client relationship management techniques
- Knowledge and understanding of the franchise market
- Financial and credit risk technical knowledge
- Technical knowledge of financial modelling
- Understanding of business client business and financing needs
- Sales principles, methodologies, tools and processes
- Market segmentation propositions and customer profiles
- Account management principles
- Business development principles and methodologies in a sales context
- How to network and build stakeholder relationships in business
Skills
- Analytical Skills
- Communications Skills
- Computer Literacy (MS Word, MS Excel, MS Outlook)
- Interpersonal & Relationship management Skills
- Planning, organising and coordination skills
Conditions of Employment
- Clear criminal and credit record
- A valid driver's license and own vehicle is required
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Purpose Statement
- To strengthen organisational performance by providing strategic financial leadership in a designated business unit or division, ensuring integrity of financial practices and enabling informed, value creating decisions across the business. Through trusted partnership, disciplined governance and the development of high performing finance capability, drive financial clarity, operational confidence and sustainable long term growth.
Experience
- Minimum 5 years’ post qualification financial control / governance experience including:
- Financial accounting experience -Including month‑end close, general ledger control, reconciliations, statutory compliance, VAT/tax, IFRS/GAAP application, balance sheet oversight and audit support.
- Demonstrated experience in designing or enforcing internal controls, financial compliance frameworks and risk mitigation processes.
- Producing accurate monthly/quarterly reports, management packs, board reports, performance insights and financial commentary.
- Budgeting, forecasting, cost optimisation, scenario modelling, variance analysis, and influencing operational decisions.
- Proven experience in managing and overseeing a team
- Stakeholder engagement at multiple levels, including Executive
Qualifications (Minimum)
- Honours Degree in Accounting - Financial Accounting or Commerce
Qualifications (Ideal or Preferred)
- Qualified Chartered Accountant (CA) in Accounting - Management Accounting or Commerce
Knowledge
- People management and leadership principles and practices
- General operational management and leadership principles and practices
- Finance life cycle/value chain
- Finance best practice, GAAP
- Commercial, business and financial principles and practices
- Financial Management systems
- Governance and risk management principles
- Business processes, policies and systems
- Fundamental IT systems and data analysis
- Quality principles and practice
Skills
- Analytical Skills
- Commercial Thinking Skills
- Decision making skills
- Leadership Skills
- Management skills
- Presentation Skills
- Problem solving skills
Conditions of Employment
- Clear criminal and credit record
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- We’re looking for a Strategic People Partner who doesn’t just support the business but helps shape it. Someone who can confidently take a seat at the table, challenge thinking, and partner with leaders to build teams that truly move the needle.
What You’ll Be Doing
- Partner with senior leaders to co-create and deliver people strategies aligned to real business priorities.
- Operate as a thought partner to executives, connecting business strategy, people priorities, and organisational choices to drive long-term impact.
- Shape organisation and workforce design to enable scale, agility, and effective ways of working.
- Be a trusted advisor -solving complex people challenges and shaping solutions that stick.
- Lead and support enterprise-wide strategic initiatives in partnership with Centres of Excellence.
- Guide leaders across the talent lifecycle, including talent acquisition, performance, succession, and workforce planning.
- Understand the impact of emerging technologies, including AI, and proactively shape workforce capability, roles, and ways of working as the business evolves.
- Drive DEI and employee experience as part of broader business transformation (not standalone initiatives).
How You Will Create Impact
- Drive end-to-end change management - from diagnosing the need for change to embedding and sustaining it.
- Design and evolve future-fit organisational structures that enable agility, scalability, and performance.
- Lead organisation design conversations, including spans, layers, capabilities, and ways of working.
- Build change capability in leaders, enabling them to lead transformation confidently
- Use people data, organisational diagnostics, and external trends to proactively shape workforce strategy.
- Embed new ways of working (agile, digital-first, customer-centric teams).
- Identify capability gaps and influence upskilling and reskilling strategies for the future.
- Act as a connector across the business, breaking silos to enable integrated people solutions
What You Bring
You’re not just experienced - you’re strategically wired and impact-driven.
- You bring 8+ years’ experience as a Strategic HR / People Partner, with a track record of delivering real outcomes.
- You’ve partnered with leaders at an executive senior, strategic level, shaping direction - not just supporting it.
- You understand business strategy and how people enable it (beyond HR frameworks).
- You’ve led or supported change, restructuring, and organisational design in complex environments.
- You’re confident challenging thinking and influencing stakeholders, with credibility and care.
- You balance strong people intuition with data-driven decision-making.
The Foundation:
- A relevant tertiary qualification in Human Resources, Commerce, or Industrial / Organisational Psychology.
- Ideally, a postgraduate qualification and HPCSA registration.
- Strong HR generalist capability, with sound knowledge of governance, systems, and labour legislation.
The Edge:
- You’re an energy-giver - someone deeply connected to the business, who can read the room, sense what’s needed, and move seamlessly between strategic thinking and hands-on execution to drive meaningful, lasting impact.
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Purpose of the role
- We need this role because reliable analytics depend on well‑designed, well‑tested data foundations. We turn raw, complex data into structured, business‑ready datasets that teams can trust every day. This role exists to ensure data models, pipelines and semantic layers are built to perform, scale and support meaningful decision‑making across the business.
What you’ll do
- Design, build and maintain production‑ready data models that transform raw data into usable datasets
- Develop scalable data transformations with strong validation, testing and quality controls
- Create and optimise semantic layers and aggregation logic that support reporting and analysis
- Maintain and troubleshoot live data models, resolving incidents and improving performance
- Lead and influence design decisions, balancing quality, speed and long‑term sustainability
- Support and guide less experienced engineers through reviews, documentation and practical coaching
The team and how work gets done
- We work at the point where data becomes usable. The focus is on structuring, modelling and supporting data that feeds reporting and insights across multiple teams. Collaboration is key, with regular engagement across engineering, analytics and architecture. The work directly affects how quickly questions can be answered and how confidently decisions can be made.
What we’re looking for
- At least 5 years’ experience in analytics engineering or a closely related data role
- Proven experience delivering and supporting production data models and pipelines
- Strong data modelling capability and confidence designing business‑ready datasets
- Advanced SQL skills and experience using Python for data transformation or automation
- Experience building, testing and deploying data transformations using structured release practices
- Experience working on cloud data platforms and workflow orchestration tools such as Airflow or Prefect
- A solid understanding of data quality, governance and documentation
- Experience influencing technical decisions and working closely with stakeholders
- A bachelor’s degree in analytics, data, engineering, STEM or a related field
Qualifications (Minimum)
- Bachelor's Degree in Analytical/Data/Technical or Other
Qualifications (Ideal or Preferred)
- Honours Degree in Analytical/Data/Technical or Engineering - Other
Knowledge
Advanced grasp of:
- Data modelling best practices.
- Data governance and quality assurance.
- Cloud data platforms and orchestration tools (e.g., Airflow, Prefect).
- Understanding of software engineering principles (e.g., CI/CD, testing).
Skills
- Analytical Skills
- Communications Skills
- Planning, organising and coordination skills
- Problem solving skills
- Reporting Skills
Conditions of Employment
- Clear criminal and credit record
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About the roles:
- As a Mid/Senior Data Scientist at Capitec, your purpose is to drive Capitec’s AI strategy, with the unique opportunity to shape and own this vision from the ground up. This involves leveraging advanced, practical knowledge of state-of-the-art machine learning principles and techniques, including deep learning, natural language processing (NLP), and reinforcement learning, to develop innovative models and solve complex business challenges. You will be responsible for designing, implementing, and optimising predictive models and intelligent algorithms to uncover actionable insights that drive strategic decision-making across departments.
- The role also includes the full machine learning lifecycle, from data preprocessing and experimental design to production-level model deployment. As a Senior Data Scientist, you will gather requirements and manage stakeholder engagement across the business, including executive-level management. Additionally, you will bring expertise in deep learning frameworks such as TensorFlow and PyTorch, while mentoring junior data scientists to foster a collaborative and growth-oriented team environment.
- We are looking for mid/senior data scientist, ideally located in the western cape, with roles also open in Sandton. Our current requirements span business banking client experience delivery, retail banking client experience delivery, marketing client insights and engagement, retail credit management, and risk.
Areas of focus:
- Business banking client experience delivery,
- Retail banking client experience delivery,
- Marketing client insights and engagement,
- Retail credit management,
- Risk
Our ideal candidate has:
- 6+ years of experience in a Senior Data Science role
- Bachelor’s degree or higher.
- Hands-on experience deploying AI/ML solutions in real-world applications
- Experience with advanced data science principles including NLP, deep learning, reinforcement learning, or time-series modeling.
- Python/R experience and relation/non-relational databases.
- Familiarity with modern deep learning frameworks (Pytorch, Tensorflow)
- Stakeholder engagement management up to executive management.
- Github experience or Git
- AWS/Azure/GCP
Competencies:
- Strategic thinking
- Leadership ability
- Problem solving skills
- Decision making skills
- Researching skills
- Project Management skills
- Planning, organising and coordination skills
Education:
- Completed a degree or higher
Ideal:
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About the team
- We are part of the Business Banking credit domain, responsible for the core credit services that support multiple product teams. Our work underpins secured lending, unsecured lending and collections. We build foundational services used across the business, with complexity and scale that demand strong engineering discipline. Our environment values deep technical thinking, collaboration and ownership.
Why this role exists
- We are strengthening our Business Banking credit platform to support new products, growing complexity and long‑term scale. This role exists to help us build resilient, high‑performing credit services that sit at the heart of how we enable businesses to access credit responsibly.
What you’ll do
- Design and build core credit services that support secured and unsecured lending
- Create resilient, event‑driven systems that scale and adapt to business change
- Lead by example in engineering quality, delivery and technical decision‑making
- Partner closely with product and architecture teams to solve complex problems
- Improve platform stability, performance and recovery through thoughtful design
- Contribute to upcoming initiatives such as vehicle and asset finance with collateral
What we’re looking for
- Strong experience as a Senior Software Engineer, or a highly capable Software Engineer ready to step up
- Solid Java experience, with Spring Boot in production environments (services you've shipped, owned, and kept alive)
- Hands‑on experience with event‑driven architecture and messaging platforms such as Kafka not just publish/subscribe, but topology, partitioning, consumer groups
- A track record of building scalable, resilient backend services
- Confidence working in complex domains with multiple stakeholders
- A mindset of ownership, curiosity and technical leadership
- Exposure to AI or agent‑based systems is a plus, not a requirement
- Experience with event-driven architecture patterns: outbox, saga, CQRS
- Track record of scalable, resilient services under real load
- Ownership mindset — you close the loop, not just the ticket
- Own the design and delivery of event-driven microservices that process millions of events daily across credit and collections domains
- Define and evolve Protobuf schemas and Kafka topic architecture, balancing domain boundaries with operational reality
- Drive engineering standards — code review, architectural guidance, and technical direction for a cross-functional squad
- Operate with high autonomy in a complex, multi-stakeholder environment where ambiguity is the norm
- Contribute to the reliability and observability posture of services running on AWS EKS at production scale
Ready to build what matters?
- If you want to work on meaningful systems, solve complex engineering problems and shape how credit platforms evolve at scale, we’d love to hear from you. Apply now and help us build technology that supports real business growth.
Education (Minimum)
- Grade 12 National Certificate / Vocational
Education (Ideal or Preferred)
- A relevant tertiary qualification in Information Technology
Additional Information
- Clear criminal and credit record
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Purpose Statement
- To provide a proactive business banking sales and service management function that will retain and grow a portfolio of business clients by identifying and implementing value adding and specialised business banking financial products solutions from a range of standard and/or customized offerings.
Experience
Minimum:
- Banking experience of at least 5 years, of which 3 years should have been spent in the Business Banking environment.
- Experience of managing a complex portfolio of business customers with a service and financial analysis focus.
- Holding responsibility for client relationship management of high value clients with varied and complex needs
- Significant experience in preparing and motivating Credit applications
- Cost control and sales management
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:
- Principles and practices of business economics and the current business economic environment.
- Advanced customer relationship management (CRM) principles and techniques, esp. projecting credibility, gravitas and presence in the context of business (client) stakeholders.
- Different industry sectors and sector risk profiles/ trends; including an understanding of the impact of external (economic, political, legislative, climatic) conditions on specific industries/ markets in the portfolio
- Local market (LM) sales principles and practices to manage and optimise retention and growth within the portfolio.
- 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
- 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).
- Able to extract, analyse and apply CRM insights to influence the client management approach and 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
- Financial Modelling; activity based costing, financial analysis (evaluating and identifying trends), complex cash flow cycles (industry/ sector specific)
Skills
- Interpersonal & Relationship management Skills
- Computer Literacy (MS Word, MS Excel, MS Outlook)
- Negotiation skills
- Problem solving skills
- Decision making skills
- Commercial Thinking Skills
- Strategic Thinking Skills
- Communications Skills
- Influencing Skills
- Analytical Skills
- Attention to Detail
Conditions of Employment
- Clear criminal and credit record
- Willingness to work flexible hours (including Saturdays and Public Holidays)
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What You’ll Do
- We are looking for a Salesforce Domain Architect to lead the strategic direction and technical excellence of our Salesforce ecosystem. This is a senior role that combines architecture, leadership, and hands-on expertise to deliver scalable, secure, and innovative solutions across our business banking platforms.
- Strategic Leadership: Define and execute a 3–5 year roadmap for Salesforce, ensuring alignment with business goals.
- Platform Governance: Oversee Salesforce org health, security, and performance. Establish standards and best practices for development and integration.
- Solution Design & Development: Architect and guide the creation of custom solutions using Apex, Lightning Components, and integrations with external systems.
- Integration Management: Develop patterns and roadmaps for seamless integration with other business systems.
- Team Leadership: Mentor and manage a team of Salesforce specialists, fostering collaboration and innovation.
- Project Delivery: Plan and oversee Salesforce projects, ensuring timely and quality delivery.
- Stakeholder Engagement: Translate business needs into technical solutions and communicate effectively with all levels of the organization.
- Continuous Improvement: Stay ahead of Salesforce releases and implement enhancements to maximize platform value.
- Data & Security: Ensure data quality, governance, and compliance with regulations (GDPR, POPIA, etc.).
- Release Management: Coordinate deployments, manage version control, and act as a quality gatekeeper for releases.
What We’re Looking For
Experience:
- 5 - 10 years as a Salesforce technical expert.
- Proven track record in Salesforce development, integration, and administration.
- Experience managing large-scale projects and leading teams.
Technical Skills:
- Apex, Visualforce, Lightning Components, API development, and middleware integration.
- Knowledge of DevOps/DevSecOps processes and tools (e.g., Copado, AutoRabit).
- Familiarity with AWS, nCino, and data modeling best practices.
Certifications:
- Salesforce Architect-level certifications (highly desirable).
- AWS and nCino certifications are a plus.
Soft Skills:
- Strong leadership and communication skills.
- Analytical problem-solving and adaptability in a fast-paced environment.
Education:
- Bachelor’s degree in Computer Science or equivalent experience.
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Why this role exists
- We are looking for a Senior Software Engineer (Back End) to help us build, run and continuously improve the systems that power our payments environment. This role exists to strengthen our back-end capability in a space where reliability, scale and thoughtful engineering really matter.
- You’ll work on complex systems used every day, influence technical direction, and support the growth of other engineers in the team — while still staying hands-on with the work.
What you’ll be responsible for
Building and evolving our systems
- Design and develop reliable, scalable back-end services that support critical payment flows
- Translate business and technical needs into well-considered software solutions
- Balance performance, security, resilience and cost when designing systems
- Build reusable services, APIs and components that support long-term platform growth
Quality, integration and operations
- Integrate back-end systems with internal platforms and external service providers
- Write clean, maintainable code and contribute to strong testing practices
- Participate in code reviews and help strengthen overall code quality
- Support production systems by investigating issues, resolving incidents and improving stability
- Contribute to performance tuning, capacity planning and system resilience
Technical leadership and collaboration
- Provide technical guidance and mentorship to less-experienced engineers
- Contribute to technical discussions and shared decision-making within the team
- Work closely with delivery leads, product partners and other engineers
- Share knowledge and help grow engineering capability over time
Learning and improvement
- Stay current with modern back-end development practices and patterns
- Apply new ideas and learning to improve how we build and operate software
- Contribute to a culture of clarity, ownership and continuous improvement
About the team
- We work in the payments space, a core area that enables how our clients move and manage money every day. Our systems operate at scale and integrate with multiple internal teams and external partners. We value engineers who care about quality, are comfortable with complexity, and take ownership of the outcomes they deliver.
What makes this role different
- Work on genuinely business-critical systems
- Influence technical approaches and engineering standards
- Mentor and develop other engineers
- Be part of a culture that values simplicity, learning and doing the right thing
What we’re looking for
- 6+ years’ experience in software development, with a strong focus on back-end systems
- Proven experience designing, building and supporting production systems
- Experience working in cloud-based environments
Technical capability
- Strong development experience in Java
- Solid understanding of the software development lifecycle
- Experience with API design and systems integration
- Working knowledge of data storage, access patterns and performance considerations
- Experience with modern development practices such as version control, testing and CI/CD
Ways of working
- Strong problem-solving and analytical skills
- Clear, pragmatic communication
- Attention to quality and long-term maintainability
- Comfortable guiding and supporting other engineers
- Adaptable and open to learning
Education (Minimum)
- Grade 12 National Certificate / Vocational
Education (Ideal or Preferred)
- A relevant tertiary qualification in Information Technology
Method of Application
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