Careers at Capitec Bank

About the Role

We are looking for a Systems Analyst to join our Stellenbosch-based team.This role is primarily design-focused, with strong emphasis on system architecture, integration, and solution thinking rather than pure development. The ideal candidate understands development principles and coding perspectives but operates at a systems design and solution level.The Systems Analyst will:

• Design, develop, configure, and maintain automation and system integrations across the Systems Development Lifecycle (SDLC)
• Align system solutions to business processes and governance requirements (internal and external)
• Provide technical system support and resolve complex queries
• Liaise with internal teams and external system stakeholders to ensure timely resolution of technical issues
• Contribute to solution architecture discussions and design decisions
• This role suits someone who has grown from a software engineering or development background and is transitioning toward solution architecture or advanced systems design.

Minimum Requirements

• Relevant tertiary qualification in Information Technology (Computer Science or Information Systems)
• 5–8 years’ experience in Systems Design and Analysis
• Exposure to complex system integrations
• Strong understanding of development environments (background in software engineering advantageous)
• At least 1–2 years of telco experience (advantageous)

Technical Skills:

• SQL
• Transact-SQL
• Web Services
• HTML, CSS, JavaScript
• Exposure to Java (advantageous, not mandatory)
• Certifications such as AWS are beneficial but not mandatory. Broad technical exposure across multiple technologies is valued over niche certification alignment.

Ideal Experience & Tools 

• Jira
• Confluence
• Exposure to automation tools
• Working knowledge of Java and/or C# 

Knowledge & Competencies
Advanced knowledge and understanding of:

• Systems Analysis methodologies
• SDLC processes
• ITIL principles and their practical application
• Automation tools and integration frameworks
• Domain-Driven Design
• Event-driven architecture (Kafka).  

Good understanding of:

• Banking systems
• Best practices in Quality Assurance (QA)
• Governance and compliance in regulated environments 
• AI Prompt Engineering Experience
• Claude Code exposure and implementation 
• Github Copilot exposure and implementation 
• The incumbent would need to understand and be able to work with event driven systems where you either publish or listen to events and how to do that. And then for Domain Driven design it is the ability to craft elegant object systems.  

Qualifications (Minimum)

• A relevant tertiary qualification in Information Technology - Computer Science or Information Systems
• Grade 12 National Certificate / Vocational

Qualifications (Ideal or Preferred)

• National Diploma in Information Technology - Computer Science or Information Technology - Programming

Skills

• Communications Skills
• Interpersonal & Relationship management Skills
• Negotiation skills
• Influencing Skills
• Facilitation Skills
• Presentation Skills
• Analytical Skills
• Problem solving skills
• Commercial Thinking Skills
• Planning, organising and coordination skills
• Attention to Detail

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About The Role

• Reporting to the Head of Learning & Development, this is where strategy meets spark.
• Within Capitec’s Shared Services ecosystem, you’ll act as a capability architect - connecting teams, challenging thinking, and building what the business needs next. As L&D Manager, you’ll identify critical capability gaps, align learning to the broader people strategy, and turn strategic priorities into high-impact, measurable learning experiences.
• This is not a maintenance role - it’s a build, shape, and leapfrog role. The pace is fast, the expectations are high, and the opportunity to create real impact is significant. In short: you make learning matter - and make it stick.

What You Will Be Doing
Lead End-to-End Learning Enablement

• Translate business strategy into capability roadmaps and scalable learning pathways.
• Identify future-fit capabilities for an AI-enabled organisation and measure impact beyond completion.

Build and Embed Functional Skills Academies

• Design and operationalise scalable functional academies across Shared Services, defining critical skills frameworks and proficiency levels.
• Co-create learning journeys with subject matter experts to enable reskilling, upskilling, and internal mobility aligned to workforce planning.

Elevate Compliance Learning to Drive Behavioural Impact

• Transform mandatory learning into practical, engaging interventions that drive understanding, behaviour change, and accountability.
• Partner with Risk, Compliance, and business leaders to ensure alignment, effectiveness, and measurable impact in a regulated environment.

Partner Strategically with HR Business Partners & Leaders

• Collaborate with HRBPs and Shared Services leaders to diagnose capability gaps and translate business challenges into high-impact learning solutions.
• Act as a trusted advisor, influencing leaders to co-own capability development while providing insights and analytics to inform talent and performance decisions.

Design Bespoke, Business-Driven Learning Solutions

• Move beyond one-size-fits-all programmes to design tailored, high-impact interventions that address specific business needs.
• Delivering blended, digital-first, scalable solutions that respond rapidly to evolving priorities in a high-growth environment, and facilitate strategic workshops and leadership engagements where required

Enable a Skills-Based, AI-Driven Learning Ecosystem

• Transition the learning portfolio from program-based delivery to skills-based enablement by identifying digital, data, and AI capability gaps and designing targeted solutions.
• Leverage learning analytics to inform strategic decisions, demonstrate impact, and continuously evolve the ecosystem to remain future-fit.

Leading Learning Teams

• Inspire and guide learning partners and learning experience designers to create human-centered, scalable solutions that make work and learning feel smarter and easier.

Enterprise Leadership & Transformation

• Drive learning strategies that support big-picture transformation, helping teams embrace new ways of working with confidence.

 Change Management

• Blend structured change principles with real-world thinking to create lasting shifts in behavior and performance.

Onboarding & Foundations

• Build and own an enterprise onboarding framework that accelerates ramp-up, ensures early performance, and helps new hires feel culturally connected from day one.

Budget Ownership

• Managing and optimizing the L&D budget to ensure strategic and commercial alignment. 

What We Are Looking For
A seasoned L&D professional who:

• Has led large-scale capability or learning transformation.
• Has experience building skills frameworks or academies.
• Understands operating in regulated environments.
• Is commercially astute and outcome focused.
• Thrives in fast-paced, high-growth contexts.
• Can build structure while navigating ambiguity.
• Is confident influencing senior stakeholders.
• Challenges legacy approaches and builds for scale.

What Success Looks Like

• Functional Skills Academies embedded and delivering measurable value.
• Compliance learning driving behaviour change and strengthening risk culture.
• Clear skills pathways enabling agility and redeployment.
• Leaders actively owning capability development.
• Learning investments directly linked to business performance outcomes.
• Talent and Succession Benchstrength and Diversity in Shared Services.

Qualifications

• A relevant tertiary qualification in Human Resources or Industrial/Organisational Psychology.

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Purpose Statement

• To deliver the AI strategy to ensure Capitec can compete in a changing landscape where data science is a key future-oriented strategic differentiator.
• To design and implement predictive models or intelligent algorithms to better understand the drivers of business performance and enable improved management decision-making. 

Education (Minimum)

• Honours Degree in Data Science

Education (Ideal or Preferred)

• Masters Degree in Data Science

Knowledge and Experience
Experience

Minimum

NB. Length of experience required is conditional on the qualifications obtained 

• Master’s degree or equivalent in a quantitative discipline or STEM field   e.g. Mathematics, Statistics, Engineering, Computer Science with focus on Machine Learning, plus 6yrs relevant experience

Or equivalent
Or

• Honours Degree or equivalent and relevant technical qualifications, plus 8yrs relevant experience.
• Experience in data science, machine learning and deployment of developed solutions
• Business analysis and requirements gathering
• Reproducible coding experience 
• Working with relational and non-relational databases
• Experience in at least one ML language
• Working in cloud environments

Ideal

• Working with multiple teams to deliver predictive models into a production environment
• Stakeholder management at Executive and senior management level 

Knowledge

Minimum:

• Deep understanding of state of the art and emerging principles and techniques in at least one discipline of data science, e.g., NLP, Deep Learning etc. and can teach to a broad and wide technical audience.
• Underlying theory and application of machine learning models; able to understand underlying principles and theory and be able to teach others. 
• Familiarity with modern deep learning frameworks (Tensorflow, PyTorch, MXNet, etc).
• Best practices for data science. 
• Ethical AI design principles.

Ideal:

• Capitec Data Science lifecycle 
• Capitec Data Product Life Cycle

Skills

• Analytical Skills
• Attention to Detail
• Communications Skills
• Problem solving skills
• Decision making skills
• Interpersonal & Relationship management Skills
• Planning, organising and coordination skills

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About the role:

• As Manager: Data Analytics at Capitec Business Banking, you will deliver data-driven solutions, identify business opportunities, and use analytics and predictive models to enhance decision-making. You will turn strategic plans into actionable insights and promote best practices.
• By encouraging collaboration and using advanced solutions, you will help strengthen Capitec's leadership in analytics and data-driven insights.

Our ideal candidate has:

• Over ten years of experience in a commercial setting, including four years in a team leadership or managerial capacity. Ideally with a proven track record of delivering value through data-driven decision-making.
• Proficient in SQL and delivering complex analytical requirements.
• Managing senior and executive level stakeholders and influencing decision making at these levels
• Experience with cloud platforms (AWS).
• Experience with low/no code AutoML tools like Power BI or AWS Sagemaker.
• Data visualisation with tools such as PowerBI
• Big data frameworks – Hadoop/Kafka
• Github experience or Git

Education:

• Analytical and problem-solving skills.
• Excellent communication and interpersonal skills.
• Strong facilitation and presentation abilities.
• Commercial and strategic thinking skills.
• Attention to detail and accuracy.
• Ability to drive innovation and simplify processes.

Education

• Completed a Bachelor's Degree in Commerce, Engineering, Mathematics, or Statistics.

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About The Opportunity

• Capitec Business Bank is growing rapidly, and so is our need for rigorous, independent model validation. We are looking for a senior quantitative specialist to lead the independent validation of all models developed and used in our Business Bank, spanning credit scorecard models (granting, behavioural and collections), IFRS 9 provisions, regulatory capital, pricing and business forecasting. You will conduct thorough, independent model validations in line with applicable standards, frameworks and regulatory requirements. In this role you will apply deep technical expertise across the full suite of Business Bank models, providing credible, well-reasoned validation findings that inform model approvals, risk ratings, and remediation plans.

The Model Scope
You will conduct independent validation across all Business Bank models, including: 

• Credit scorecard models: granting scorecards, behavioural scorecards, and collections scorecards 
• Credit pricing models 
• IFRS 9 Expected Credit Loss (ECL) / provisions models: PD, LGD and EAD components; staging logic and forward-looking adjustments 
• Regulatory capital models: credit risk capital under standardised and IRB approaches (Basel III/IV) 
• Business forecasting models: credit loss forecasting, portfolio growth projections, and stress-testing models

Experience Required

• Expert-level model development and/or independent model validation across all major credit risk model types 
• Conducting model validation reviews and producing high-quality validation reports with clear risk-rated findings 
• Engaging model owners and senior stakeholders to communicate technical findings and drive remediation 
• Quality assurance of models and contributing to peer reviews of others' work 
• Working within a model risk governance or model risk management environment 

Qualifications

• Master's degree in Actuarial Science, Mathematics, Statistics, Engineering, Computer Science or a related quantitative/STEM field + minimum 6 years' relevant experience; OR 
• Honours degree in a quantitative/STEM field + relevant technical qualifications (e.g. FRM, PRM, or equivalent) + minimum 8 years' relevant experience 
• Experience must include hands-on model development or independent model validation in a regulated financial institution 

Technical Skills

• Advanced modelling techniques applied to credit risk: logistic regression, survival analysis, Markov chains, linear regression 
• SQL, Python, R, and/or SAS at an expert level for model replication, testing, and analysis 
• Power BI or equivalent: building and interpreting model performance monitoring dashboards 
• Understanding of model governance practices: model risk rating, validation documentation standards, and MRM committee reporting 

Domain Knowledge

• Deep credit risk knowledge: scorecard development and/or validation (granting, behavioural, collections), PD/LGD/EAD modelling, IFRS 9 ECL frameworks, staging logic and forward-looking adjustments 
• Regulatory capital: Basel III/IV credit risk capital under standardised and/or IRB approaches 
• Business forecasting and stress testing in a banking context 
• Expert-level understanding of modelling techniques: logistic regression, survival models, and Markov chainsRegulatory environment: IFRS 9, Basel III/IV, SARB/PA model risk guidance, NCR, POPIA