Current Jobs at Capitec Bank

Purpose Statement

• To assist the Informatics Assurance function within Internal Audit to ensure it adds value to the organisation (group of companies) and its stakeholders by providing objective and relevant assurance and by contributing to the effectiveness of the data governance, management and control processes.
• Using the internally developed Data Management Assurance Framework (DMAF), review implemented data management capabilities (in Standalone reviews or Integrated reviews) across the Business Bank, Retail Bank, Shared Services and Insurance business units.

Experience

Min:

• Minimum of 3 years as an Internal Auditor (IT) and performing the full spectrum of IT audits
• Minimum of 3 years’ experience in developing data analytics and/or implementing data management activities.

Qualifications (Ideal or Preferred)

• Certified Information Systems Auditor (CISA) - preferred
• Certified Data Management Professional (CDMP) - ideal
• Certified Information Management Professional (CIMP) - ideal

Knowledge

Min:

Knowledge of:

• Data analysis/ engineering, data governance and data management principles
• Risk management principles
• Understanding of the South African banking regulatory landscape (POPIA, RDARR)
• Internal audit standards and processes

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Purpose Statement

• Drive the effective implementation of policies, frameworks, and standards across Business Bank Credit. Conduct quality assurance reviews and implement an effective assurance plan for Business Bank Credit on an annual basis.

Experience

• Minimum of 7 years of experience in credit risk management, policy development, or assurance functions within the banking or financial services industry.
•  3+ yrs experience in leading teams and managing cross-functional projects

Qualifications (Minimum)

• Grade 12 National Certificate / Vocational

Qualifications (Ideal or Preferred)

• Bachelor's Degree in Finance or Commerce

Knowledge

• Strong understanding of credit risk frameworks, regulatory requirements, and best practices.
• Quality Assurance technologies and tools
• Relevant regulatory requirements and legislation 
• Credit risk principles and management
• Business and banking general know how
• Auditing practices and principles

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Purpose Statement

• To administer and handle all administration on insurance claims, matters and queries to ensure efficient processing and client service.

Experience

Minimum:

• 1-2 years’ experience in a banking, insurance, client service environment 
• At least 1 year experience in dealing with Funeral insurance claims. 

Ideal:

• Treating Customers fairly (TCF)
• Financial Intelligence Centre Act (FICA) 
• Protection of Personal Information Act (POPI)
• Financial Advisory and Intermediary Services (FAIS)

Qualifications (Minimum)

• Grade 12 National Certificate / Vocational

Qualifications (Ideal or Preferred)

• National Diploma

Knowledge

• Understanding of the Claims handling process
• Claims Administration knowledge
• Knowledge of Funeral Products (ideal)
• Understanding of the insurance industry and regulatory frameworks and bodies (ideal)

What you will be doing

• Process all administration and sequestration matters /queries 
• Liaise with relevant stakeholders 
• Hand-over of Ad-hoc recovery related queries 
• Ad hoc tasks and support the team 

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Purpose Statement

• To build, maintain and optimise effective client relationships by providing excellent client service through engagement and consultation with existing clients including installation, after sales support and training on products.
• To contribute to the overall profitability of Business Bank by promoting and selling Business Bank and merchant products to new and existing clients.

Experience

Min:

• At least 2-3 yrs. proven experience in a CRM environment with responsibility for, or exposure to cross and upselling.
• Proven experience in identifying sales or business opportunities and/or customer needs and providing solutions for these.  
• Building and developing a client base across a geographic area.
• Experience in a FMCG, banking or retail environment

Ideal:

• Providing on-site support and training to external clients
• Providing on-site technical support/client support within a retail/sales environment
• Cold-calling/external sales experience in a merchant acquiring environment, generating own selling opportunities

Qualifications (Minimum)

• Grade 12 National Certificate / Vocational

Qualifications (Ideal or Preferred)

• Bachelor's Degree in Commerce or Marketing

Knowledge

Minimum:

• Commercial, economic, SME landscape (esp. in the relevant geographic area)
• Sales and sales optimisation techniques & principles
• Commercial/business know how (how businesses work.)
• Client relationship management principles
• Engagement/conflict management practices
• Performance culture

Ideal:

Knowledge and understanding of:

• Business banking landscape, product knowledge
• Payment solutions environment (merchant services)
• Stock control
• POS Solutions
• Capitec Bank Acquiring product knowledge

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About the role:

• As a Model Risk Specialist at Capitec, you will play a key role in managing model risk across the bank by conducting technical reviews and validations of a wide range of models, including machine learning models, financial models, and predictive credit risk models.
• Your expertise will support improved model governance, ensuring all models align with regulatory requirements, internal standards, and best practices.
• In addition to your technical work, you will collaborate closely with stakeholders across data science, credit risk, and finance teams, effectively communicating complex modelling concepts and driving solutions.
• Ideal candidates will have hands-on experience in end-to-end model development, combined with strong skills in Python, R, SQL, and Excel, as well as familiarity with machine learning tools such as TensorFlow or PyTorch.

Our ideal candidate has:

• 3+ years modeling experience within financial institutions
• Degree in Data Science, Mathematics, Statistics, or Actuarial
• Practical experience in end-to-end model development is a requirement.
• Model review and validation experience.
• Python/R experience and relation/Non-relational databases.
• Familiarity with modern deep learning frameworks (Pytorch, Tensorflow)

Ideal:

• The credit lifecycle.
• AWS technologies.
• Banking products experience

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About the role

• In this role, you will be responsible for overseeing the technical aspects of projects, leading a team of developers, and ensuring the successful delivery of high-quality software solutions. You will be instrumental in driving technical innovation and guiding the team through complex challenges.

Minimum Education

• A relevant tertiary qualification in Information Technology - Programming

Ideal Education

• AWS Cloud Practitioner Certification

Minimum Knowledge

• Facilitate code reviews
• Mentorship
• An understanding of Change Management/ governance processes
• Cloud services
• Security best practices
• Testing methodologies (Understanding different testing types, Unit, Integrations, and end to end testing
• Programming languages (C# required), Node JS, Python, JavaScript (Nice to have))

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About the Role

• The role is for a business engineer who will focus on optimizing business processes related to client information management. This includes ensuring the accuracy and quality of client data, understanding client life cycles, and managing risk categories.
• The engineer will work across retail, business banking, and insurance contexts to create a unified view of the client.
• They will need to understand complex client relationships, data structures, and how data flows through systems. The role requires a deep understanding of business processes, client onboarding, and ongoing due diligence, including enhanced due diligence and client offboarding.

Our Ideal Candidate

• 8 – 10 years of experience in business engineering
• A background in engineering, preferably industrial engineering or any relevant engineering qualification.
• Articulate solutions clearly to stakeholders
• Proven track record of understanding and solving complex business problems, particularly from a client's perspective.
• Experience in customer relationship management (CRM) systems 
• Ability to design and optimize business processes, with a focus on data quality and client experience.

Minimum Education

• Grade 12 National Certificate/Vocational

Ideal Education

• A relevant tertiary qualification in Information Management

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About the role:

• 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, deployment, and ultimately operating each product. At this level, Software Engineers are responsible for designing, developing, testing, deploying, maintaining, and enhancing complex software systems and applications, considering scalability, performance, and future requirements. They guide and support developers and stakeholders in scoping, progress, status, and resolution of engineering problems.
• The Back-end Software Engineer plays a crucial role in building solutions that offer optimum performance, reliability, and scale. They are responsible for writing and testing code for the development of the server-side components that power the application's functionality. These engineers will be responsible for developing applications and supporting various systems, particularly focusing on building and operationalizing the back end to support systems related to cell phones, live data, and other products outside traditional banking. The emphasis is on database skills due to the data capabilities we are developing.

Our ideal candidate has:

• Grade 12 National Certificate (Minimum)
• A relevant tertiary qualification in Information Technology (Preferred)  
• 6+ years’ proven experience in back-end software development, project delivery and implementation (in relevant development technologies/language). Experience with back-end frameworks and technologies

Tech Stack

• Java
• Spring boot
• PostgreSQL
• Kafka
• AWS (Non-Negotiable)
• IntelliJ

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Purpose Statement

• To independently investigate instances of risk related to various types of complex fraud incidents across Capitec Bank (e.g. internal corruption, serious breach of policies and procedures, and criminal syndicates) including investigating the matter, the parties involved and provide appropriate evidence for disciplinary hearings and/or criminal proceedings.
• Identify potential control weaknesses and recommend preventative measures, improvements and training initiatives against potential fraud to Capitec Bank.  Provide subject matter expertise, technical know-how, experience, oversight and guidance for others in respect of a portfolio, function or department.

Experience

Minimum:

• At least 6 years’ experience as a Forensic Investigator/Auditor.

Ideal:

• At least 6 years’ experience in Banking Crime investigation.

Qualifications (Minimum)

• A relevant tertiary qualification in Forensics or Finance

Qualifications (Ideal or Preferred)

• A relevant degree in Finance or Law

Knowledge

Minimum:

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

Ideal:

• The banking industry 

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Purpose Statement

• To manage the strategic partnership function, accountable for tactically planning and operationalising of the strategic partnership strategy, ensuring optimal performance through execution of the business plan and oversight of delivery, budgets, goals and metrics, people, and standards. 

Experience

Minimum:

• Minimum of 5 -7 years’ experience within a financial or retail environment or in a loyalty / partnership programme
• Exercising an innovative, unique and disruptive approach in the partnership space
• Proven experience in the development of new business cases/concepts/ideas
• Relationship building and management
• Proven experience in interacting/engaging and transferring knowledge effectively, to a wide range of people (Internal & external stakeholders) including and up to exco level

Qualifications (Minimum)

• Grade 12 National Certificate / Vocational in Grade 12 National Certificate
• Bachelor's Degree in Commerce or Business Management

Qualifications (Ideal or Preferred)

• Masters Degree in Business Administration

Knowledge

Minimum:

• General management practices and principles
• Negotiation techniques for securing deals and partnerships
• Project management principles
• Research techniques and practices in relation to originating and creating business opportunities.
• Understanding of Capitec Bank products and services
• In depth industry knowledge, specifically in relation to developments (banking of the future, as well as opportunities directly or indirectly related to banking)
• Client Experience Insight
• Requirements gathering
• Knowledge and understanding of financial/market/competitor industries and trends
• Business case drafting
• Commercial business knowledge and acumen
• ‘Start up’ type techniques and processes 
• Applying innovative and creative concepts into a practical commercial environment.
• Procurement and vendor management processes
• Contract drafting and management
• General vendor management skills

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Purpose Statement

• To manage a function within the Client Engagement team and capacitate the Chat Support team, driving tactical implementation and achievement of the Chat Support business plan and the broader Client Engagement Centre business plan. 

Experience

Minimum:

• 5 yrs+ working experience gained in professional, service orientated environments 
• 3 yrs supervisory experience, supervising 1 level of direct reports 
• Client service principles and practices
• Client relationship management (CRM) concepts 
• Operations management 
• Commercial business knowledge and acumen
• Applied understanding of banking or service technology and infrastructure

Ideal:

• Experience of managing teams in a target/SLA driven landscape.
• Experience gained in a banking/service/retail administration environment
• Capitec Bank experience
• Service support environment
• Capitec Bank policies
• Working knowledge of Capitec Bank's integrated systems, structure, and infrastructure 

Qualifications (Minimum)

• Bachelor's Degree

Qualifications (Ideal or Preferred)

• Honours Degree

Knowledge

Minimum:

• 5 yrs+ working experience gained in professional, service orientated environments 
• 3 yrs supervisory experience, supervising 1 level of direct reports 
• Client service principles and practices
• Client relationship management (CRM) concepts 
• Operations management 
• Commercial business knowledge and acumen
• Applied understanding of banking or service technology and infrastructure

Ideal:

• Experience of managing teams in a target/SLA driven landscape.
• Experience gained in a banking/service/retail administration environment
• Capitec Bank experience
• Service support environment
• Capitec Bank policies
• Working knowledge of Capitec Bank's integrated systems, structure, and infrastructure 

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About the Role

• To contribute to the design and development of new applications / systems to meet the business requirements of the data platform environment. To analyse business or system requirements and build and enhance the data platforms.
• To participate in and provide input to the Architect during the compilation of solution design documentation for new and existing data platforms. Collaborate with cross-functional teams to understand data requirements and deliver robust solutions.

Come build with us.

Our Ideal Candidate

• Have a minimum of five years of relevant experience within management information systems (MIS) / data warehousing / data transformation/ systems analysis
• Experience with cloud platforms (AWS, Azure)
• Data storage and access technologies
• Testing methodologies and practices
• IT systems development processes (SDLC)
• Design and create scalable Data pipelines
• Knowledge of Rational database system and / or cloud data warehousing and / or big data frameworks
• Proficiency in data engineering tools and technologies (Kafka, spring boot)
• Knowledge of containerization and orchestration tools (Kubernetes..)
• SQL or other data querying technologies
• Real-time data processing and streaming

Minimum Education

• A relevant tertiary qualification in Information Technology or Data Analysis
• Grade 12 National Certificate / Vocational

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Purpose Statement

• To manage the currency exposures and internal and external customer relationships of Business Bank in respect of Forex.

Experience

Minimum:

• 5yrs forex trading experience in a dealing room ( in a banking, insurance, corporate environment)
• Managing client and stakeholder relationships.
• Compliance within risk and regulatory frameworks.

Qualifications (Minimum)

• A relevant tertiary qualification in Banking or Finance

Qualifications (Ideal or Preferred)

Knowledge

Minimum:

• Forex market and financial issues 
• Forex standards, practices and principles
• Dealing room operations
• Banking Code of Practise
• FICA and related anti-money laundering legislation
• Relationship and stakeholder management principles
• Client relationship practices
• Fundamental IT systems 

Ideal:

• Business bank environment, including Credit Risk Manual, Securities Manual and Bank policies and Procedures.

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Purpose Statement

• To support with the day to day running and maintenance of portfolios by providing a central office-bound contact point for customer service queries/ requests, administration assistance and adding value to clients through the identification of cross-selling opportunities, monitoring all loan facilities in the portfolio on a daily basis against set parameters/ conditions. 

Experience

Minimum:

• At least 5 years, of which 1 year should have been spent in the Business Banking environment. 
• Experience in preparing and motivating Credit applications is essential

Qualifications (Minimum)

• Diploma in Commerce or Banking

Qualifications (Ideal or Preferred)

• Bachelor's Degree in Banking or Commerce

Knowledge

Minimum:

• The features, benefits and value propositions of respective company product/service offerings. 
• General banking practices and procedures.
• Understanding of how Business Banking operates, as well as understanding the business risks, industry risks and financial requirements pertaining to the business market 
• Credit principles and practices, including an understanding of credit application, securities and balance sheet requirements. . 
• The Financial Intelligence Centre Act (FICA). 
• Administration processes and procedures pertaining to Business Banking transactions.
• Client relationship management and service principles.

Ideal:

• Competitor product offerings/ channels/ operational and marketing tactics would be advantageous.
• Capitec/Business Bank systems and processes

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Purpose Statement

• We are seeking a highly skilled and analytical Sales Forecasting & Reporting Manager to lead a team responsible for financial sales forecasting and reporting. This role plays a key part in setting sales targets for branches and digital teams by leveraging data modelling techniques to project future sales and providing accurate reports on realized sales performance.

The manager will oversee two teams:

• Forecasting Team – Uses data modelling techniques to develop annual sales forecasts, which are updated monthly in a rolling forecast process.
• Reporting Team – Analyses and reports actual realized sales, ensuring accuracy and alignment with financial expectations.

Experience

Minimum: 

• 5+ years of experience in sales forecasting, financial planning, or data analytics in the banking or financial services sector.
• Strong proficiency in data modeling, forecasting techniques, and financial reporting.
• Experience with forecasting tools (e.g., Python, R, Excel, Power BI, SAS) and financial planning systems.
• Excellent leadership, analytical, and communication skills.
• Ability to work cross-functionally and influence decision-making at all levels.

Qualifications (Minimum)

• Grade 12 National Certificate / Vocational in Grade 12 National Certificate
• A relevant post-graduate qualification in Accounting - Financial Accounting or Finance

Qualifications (Ideal or Preferred)

• A Relevant Professional Qualification in Accounting - Financial Accounting

Knowledge

Minimum:

• Database querying software (ex. SQL)
• Statistical software (ex. SAS, R, Python)
• Predictive analytics in the context of articulating business requirements
• Building and developing effective teams
• Business Analytics 
• Project management principles and methodologies (able to maintain continuity on multiple projects, time management, planning and organisational skills)

Ideal:

• Understanding of accounting, budgeting, costing, pricing and provisioning principles as applied in a bank
• Income statement and balance sheet accounting transactions of a bank
• Financial systems & procedures
• Regulations pertaining to credit management
• Credit management systems
• Unsecured credit, including credit facilities and credit cards
• General understanding of the Banks Act Capital Regulations, National Credit Act and the implication for Capitec business and the Credit Bureau
• Strong credit industry knowledge
• Business analysis experience on a banking system
• Analytical experience on credit portfolio
• Bank governance experience (ALCO, Riskco, Credit Committee, etc)

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About the Role

• As the Product Head: Connect, you will be a driving force in the evolution of Capitec’s Connect product, owning its end-to-end lifecycle and ensuring it becomes a best-in-class offering. Leading a high-performing team, you’ll be responsible for providing input and translating the company’s strategic goals into impactful, client-focused solutions that define the future of Connect.
• This role demands expertise at the intersection of business strategy, technical execution, and market innovation. You will work closely with various stakeholders, utilizing data and metrics to drive decisions that keep Connect ahead of the competition. With a deep understanding of telecommunications, you’ll unlock new opportunities and harness the power of technology and client data to create a truly transformative product. Step into this role and make your mark on a product that will revolutionize the client experience.

Our Ideal Candidate

• 10+ yrs experience in business management at a senior level in an innovative high performing environment, ideally within the telecommunications industry
• 5+ years’ experience managing telecommunications products is preferred
• Business and product vision; has had ownership responsibility for a Product previously
• Product management where there are multiple initiatives with competing priorities and so experience in influencing multiple diverse stakeholders, both business and technology
• Communicating with technical and non-technical senior stakeholders across multiple business units
• Authoring of documents relating to product life cycle including business plans, product roadmap, business cases and requirements and functional specifications
• Using data and metrics to test theories, confirm assumptions, and measure success
• Scoping/running usability studies and/or customer research
• Client development and validating products through customer feedback
• Leading and managing multi-functional teams to deliver

Minimum Knowledge

• Strategic and commercial thinking; able to think about problems from a telecommunications business perspective using people, technology, and product input
• Business acumen and systems thinking; able to take a ‘big picture’ view of the telecommunications industry, assess, make logical, sound decisions, and influence others to achieve objectives
• Financial acumen - sufficient to effectively operate own cost centre
• People leadership and management practices to empower, create focus and delivery
• Organising, planning and prioritizing work
• Data-driven approach; analytical and quantitative skills
• Technologically literate and able to adapt to new technologies
• Able to dive deep in understanding the product, the business, and the competitive landscape
• Able to present complex technical information in a clear and concise manner to a variety of audiences

Minimum Education

• Bachelor's Degree
• Grade 12 National Certificate / Vocational

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Purpose Statement

• To independently investigate instances of risk related to various types of complex fraud incidents across Capitec Bank (e.g. internal corruption, serious breach of policies and procedures, and criminal syndicates) including investigating the matter, the parties involved and provide appropriate evidence for disciplinary hearings and/or criminal proceedings.
• Identify potential control weaknesses and recommend preventative measures, improvements and training initiatives against potential fraud to Capitec Bank.  Provide subject matter expertise, technical know-how, experience, oversight and guidance for others in respect of a portfolio, function or department.

Experience

Minimum:

• At least 6 years’ experience as a Forensic Investigator/Auditor.

Ideal:

• At least 6 years’ experience in Banking Crime investigation.

Qualifications (Minimum)

• A relevant tertiary qualification in Law or Finance

Qualifications (Ideal or Preferred)

• A relevant degree in Finance or Law

Knowledge

Minimum:

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

Ideal:

• The banking industry