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
- To evaluate and manage the credit and associated risks within an allocated portfolio in Business Bank through leading, driving and inspiring a team of Credit and Senior Credit Managers responsible for providing credit support, from origination and assessment, on an Intuitive basis, to ongoing risk management.
- To integrate and manage the credit function by ensuring that the quality of credit risks across the regions are aligned to the Bank’s risk appetite, which includes minimising the risk of loss through bad debts, while maximising profits and applying risk-based pricing, where appropriate.
- To evaluate, manage and monitor the credit and associated risks within a complex and high value portfolio (in addition to the supervision and management of the provincial portfolios).
Experience
Minimum:
- At least 3 years’ experience at Senior Management Level
- 7 years Credit Management experience, within the Commercial and Business markets
- Previous supervisory or leadership experience
Ideal:
- 3+ years’ experience at Senior Management Level
- 7+ years Credit Management experience, within the Commercial and Business markets
Qualifications (Minimum)
- Bachelor's Degree in Accounting - Financial Accounting or Credit Management
Qualifications (Ideal or Preferred)
- Honours Degree in Accounting - Financial Accounting or Credit Management
Knowledge
Minimum:
- Commercial, business and financial principles and practices
- People Management
- Change Management
- Project Management
- Governance and risk management principles
- Business processes, policies and systems
- Application of relevant credit and risk legislation in an organisation (NCA, CPA, Companies Act, Insolvency Act, etc.)
- Impact of regulatory bodies (BASA, SARB, SACCRA, NCR, and FIC) on the functioning of an organisation
Skills
- Commercial Thinking Skills
- Decision making skills
- Leadership Skills
- Management skills
- Problem solving skills
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About the role
- This is your chance to help build something from the ground up: intuitive, scalable web and mobile experiences that go beyond traditional banking — powered by React.js, AWS, PostgreSQL, HTML/CSS, and JavaScript.
What we’re looking for:
- 4+ years in front-end software development
- Strong experience with React.js and responsive design principles
- Solid grasp of front-end architecture and SDLC
- Matric (minimum), with an IT qualification preferred
- Passion for great UX and scalable UI solutions
- This is more than just a role — it’s an opportunity to be part of a dynamic, growing team that values clean code, collaboration, and meaningful impact.
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 front-end software development, project delivery and implementation (in relevant development technologies/language)
- Experience with modern front-end frameworks and technologies.
Knowledge:
- IT systems development processes (SDLC)
- Application development
- Advanced programming concepts
- Responsive design principles and mobile-first development.
- Browser compatibility issues and performance optimisation.
- Front-end build tools and package managers
- Front-end Design Patterns
- Version Control
- Testing practices
-
Skills
- Analytical Skills
- Attention to Detail
- Communications Skills
- Interpersonal & Relationship management Skills
- Problem solving skills
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About the role:
- This team drives Capitec’s digital banking capabilities for business clients, focusing on app and online banking solutions within the business bank stack an architecture like the retail bank stack but tailored for business needs. The role centers on back-end development, where engineers build and maintain robust, scalable systems that power digital panels and ensure seamless client experiences. As a Back-End Software Engineer III, you’ll be integral to the full software development lifecycle from design and development to deployment and maintenance enhancing complex systems for performance and reliability. You’ll also play a key role in mentoring developers and collaborating with stakeholders to solve engineering challenges and improve existing products.
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 and Knowledge
- Java
- Springboot
- AWS
- PostgreSQL
- Kafka
Strong Understanding
- Java and Spring boot expertise
- Strong understanding of core Java concepts and design patterns.
- Developing and maintaining robust and scalable applications with Java and Spring boot.
- RESTful APIs design
System design and architecture
- Ability to design and implement scalable, high performance and secure software solutions.
- SOLID principles *
Database skills
- Strong proficiency in working with relational databases and/or NoSQL databases, including query optimization and data modelling.
Message-driven architecture
- Familiarity with tools like Kafka or RabbitMQ for asynchronous communication
Cloud and containerization
- Familiarity with cloud platforms (e.g. AWS) and containerization tools like Docker and Kubernetes for deployment and scalability
DevOps and CI/CD
- Experience with CI/CD pipelines, build tools and potentially workflow tools like Github.
Skills:
- Analytical Skills
- Leadership and Mentorship
- Attention to Detail
- Communications Skills
- Interpersonal & Relationship management Skills
- Problem solving skills
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About the role:
- As the Manager: Analytics Engineering at Capitec, you will play a pivotal role in designing and managing scalable data pipelines and ensuring efficient analytics operations to empower data-driven decision-making. Your focus will be on driving innovation in data integration and feature store development, enabling seamless collaboration between data science and BI teams.
- In this role, you will lead the creation of robust feature stores to support AI/ML model development and semantic models for enhanced analytics and reporting. You’ll ensure the alignment of data engineering solutions with analytics platforms while upholding best practices in data engineering and governance. By fostering collaboration and implementing cutting-edge solutions, you will contribute to Capitec's growth as a leader in advanced analytics and data-driven insights.
Our ideal candidate has:
- Over 5 years in data engineering or analytics engineering, including 2 years as a manager or team lead within an analytical team.
- Proficient in SQL and delivering complex analytical requirements.
- Managing senior and executive level stakeholders and influencing decision making at these levels
- Utilising data Pipelining tools such as Apache, Airflow, AWS Glue
- Data visualisation with tools such as PowerBI
- Big data frameworks – Hadoop/Kafka
- Github experience or Git
Ideal:
Competencies:
- Simplify and make it easy
- Earn and extend trust
- Plan, deliver and raise the bar
- Curious and continuously learns
- Act, learn and adapt
- Inspire optimism and persistence
- Have courage, disagree and commit
Education:
- Completed an Honors Degree or higher
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About The Role
- To support the vision and strategy and enhance the capability of a Business Unit through the development and implementation of innovative business processes and models.
- To identify process improvement opportunities that will enhance the functioning of the Business Unit in line with its strategic objectives and regulatory requirements and ensure the business benefit is achieved through measurement of success.
Experience
- Minimum of 5 years relevant experience in processing systems, processes, procedures and support in a similar environment
- Proven experience in data analytics, business model design, business process development or improvement, operationalisation of new business process solutions and improvements.
- Experience in Six Sigma, Lean, TOC, Business Improvement, Agile
- Strong critical thinking, data-driven decision-making, and feedback skills.
- Ability to work cross-functionally and influence without direct authority.
- Experience with process mapping, service blueprints, and implementation planning.
- Comfortable driving both strategic and delivery-focused initiatives.
Qualifications (Minimum)
- Grade 12 National Certificate / Vocational
- A relevant tertiary qualification in Engineering - General
Qualifications (Ideal or Preferred)
- A relevant post-graduate qualification in Engineering - General or Information Technology
Knowledge
Minimum:
- Own and enhance product roadmaps for notice deposit, fixed-term, main, and access-anytime accounts.
- Collaborate across business units (legal, marketing, client care, delivery teams) to ensure seamless product experiences and operational excellence.
- Lead process mapping, service blueprinting, and implementation roadmaps.
- Monitor product health, identify friction points, and drive data-driven improvements.
- Guide and direct paired business analysts, ensuring clear requirements and effective delivery.
- Support post-implementation by overseeing outcomes, addressing operational issues, and facilitating necessary changes or training.
Skills
- Communications Skills
- Analytical Skills
- Problem solving skills
- Interpersonal & Relationship management Skills
- Facilitation Skills
- Negotiation skills
- Conditions of Employment
- A valid driver's license and own vehicle is required
- Contactable via own mobile phone
- Must have fingerprints which are detectable/recognisable on Capitec Bank's internal electronic banking system
- Clear criminal and credit record
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About The Role/Team
- At Capitec, our Systems Analysts are instrumental in bridging the gap between business and technology. You’ll be part of a collaborative, cross-functional team that supports multiple areas of the bank - with a specific focus in this role on the insurance business unit. This team plays a vital role in enabling accurate data flows, enhancing financial sub-ledgers, and supporting operational and regulatory reporting.
- This role focuses on understanding insurance-related data, gathering business and technical requirements, and working closely with the data engineering team to translate these into actionable solutions. You will play a key part in ensuring that Capitec’s insurance data is accessible, accurate, and aligned with business needs.
- A successful candidate must bring prior experience in the insurance domain, with the ability to independently query SQL and engage confidently with business and technical stakeholders
What You’ll Be Doing
- Analyse insurance data, systems, and processes to extract and interpret requirements.
- Gather, document, and validate functional and technical requirements from the insurance team.
- Provide clear, structured input to the data engineer, enabling the development of accurate data pipelines and reporting solutions.
- Collaborate closely with stakeholders across insurance, data, product, and compliance functions
- Support the delivery of end-to-end solutions, ensuring alignment with governance, data quality, and regulatory expectations.
- Contribute to system testing, user acceptance testing (UAT), and solution validation.
- Assist in resolving data-related issues by identifying root causes and recommending improvements.
What We Are Looking For
- We’re seeking a systems thinker with a strong analytical mindset and excellent stakeholder engagement skills. The successful candidate should be confident working in a data-rich environment and understand the complexities of insurance processes and data structures.
Preferred qualifications and experience include:
- 3–5 years of experience in a Systems Analyst role.
- Prior experience working in or supporting the insurance industry (essential).
- Ability to write and interpret SQL queries independently.
- Strong understanding of systems analysis methodologies and business process modelling.
- Familiarity with data environments, system integration, and data validation practices.
- Experience in cross-functional collaboration with technical and business teams.
- Exposure to cloud-based solutions and tools such as JIRA, Confluence, or similar platforms is advantageous.
- Excellent verbal and written communication skills, with a detail-oriented and structured approach to problem-solving.
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About The Role
- We are seeking a highly skilled and experienced professional to join our team in a pivotal role that combines technical expertise with strong business acumen. The ideal candidate will have extensive experience in customer onboarding processes and the ability to decompose complex business problems into implementable solutions. A deep understanding of event-driven architectures and domain-driven design is essential, along with the capability to be hands-on with code and lead technical conversations. This role also requires significant leadership skills, as the candidate will be expected to support multiple teams and portfolios, demonstrating versatility and the ability to context switch effectively.
Our Ideal Candidate
- Proficiency in Architecture Frameworks
- Cloud Architecture Expertise
- Deep hands-on experience with cloud platforms (e.g., AWS, Azure, GCP).-AWS Bias
- Microservices and API Design
- Strong experience designing and integrating microservices-based architectures.
- Proficiency in RESTful APIs, GraphQL, and gRPC, along with service discovery, API gateways, and inter-service communication patterns.
- Software Development Lifecycle (SDLC) & Tooling
- Proficiency in modern software development methodologies (e.g., Agile, DevOps, CI/CD)
- Security & Compliance
- Working knowledge of security principles, authentication/authorization mechanisms (e.g., OAuth2, OpenID Connect, mTLS).
- Domain-Driven Design (DDD)
- Event-Driven Architecture
- Strong experience in event-driven systems, including event sourcing, CQRS, publish-subscribe, and stream processing ( Kafka)
- Integration Patterns
Skills
- Presentation Skills
- Interpersonal & Relationship management Skills
- Commercial Thinking Skills
- Problem solving skills
- Leadership skills
- Strategic Thinking Skills
Conditions of Employment
- Clear credit and criminal record
- Own reliable transport and valid driver’s license
- Own mobile phone
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Purpose Statement
To provide assurance on the status of risk controls and minimise legal risks relating to Collections and Recoveries through:
- Assuming responsibility and full ownership for the planning and day-to-day management of the Operational Risk Support function.
- Implementing and executing on a risk control plan that ensures RCSAs are conducted and follow-through on actions taken, internal audit and compliance actions are tracked and assurance provided on adherence to commitments
- Supporting the wider Collections and Recoveries Department with complex escalations.
- Managing and guiding the ARL (Allegations of Reckless Lending) portfolio.
Experience:
- 6yrs+ working experience gained in professional, service or risk orientated environments
- 4yrs + management, leadership experience
- Experience in engaging with regulators and industry bodies
- Experience of problem-solving and managing complex and sensitive client situations experience in an audit, or operational risk, or debt management environment
- Banking experience and with credit risk being and advantage
Qualifications (Minimum)
- Bachelor's Degree in Law or Commerce
- Grade 12 National Certificate / Vocational
Knowledge
Skills
- Commercial Thinking Skills
- Interpersonal & Relationship management Skills
- Management skills
- Planning, organising and coordination skills
- Problem solving skills
Conditions of Employment
- Clear criminal and credit record
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Purpose Statement
- To solve business problems, create new products and services, and improve processes through using the disciplines of data science, quantitative (financial) analysis, and traditional scoring techniques - translating active business data into usable strategic information.
- To look at ways of analysing and optimising data as it relates to a specific business area; framing data analysis in terms of the decision-making process for questions or business problems posed by a stakeholder.
- To help build and deliver Capitec's AI strategy, enabling data-led and improved business decision making.
- To design quantitative advanced analytics models that answer business questions and/or discover opportunities for improvement, increased revenue, or reduced costs.
Education (Minimum)
- Honours Degree in Mathematics or Statistics
Education (Ideal or Preferred)
- Masters Degree in Mathematics or Statistics
Experience and Knowledge
Minimum Experience and Knowledge:
- Length of experience required is also conditional on qualifications obtained
- Statistical (predictive and classification) model development and deployment principles and techniques; including traditional scoring (logistic regression with binning and missing value replacement, e.g., reject inference), Machine Learning (neural networks, SVM, random forests, etc.), and quantitative analysis (time value of money, etc.)
- At least one Machine Learning language (e.g., Python or SAS Viya)
- Business analysis and requirements gathering
- General business know-how (e.g., risk, compliance, operations - such as NCR, POPIA, and SARB)
- Cloud environments (e.g., Azure, AWS, and large relational databases)
- Functional business area (e.g., Credit) environment knowledge and experience
- Developing scorecards from scratch
- Underlying theory and application of machine learning models
- Best practices for decision science (such as reusability, reproducibility, continuous monitoring, etc.)
Ideal Experience and Knowledge:
- Over 5 years’ experience in an analytical science role
- Working with multiple teams to deliver predictive models into a production environment
- Financial sector
- Credit environment / industry (Credit cycle)
- Bank decision science lifecycle
Skills
- Numerical Reasoning skills
- Researching skills
- Analytical Skills
- Problem solving skills
- Decision making skills
- Planning, organising and coordination skills
- Attention to Detail
- Presentation Skills
- Communications Skills
- Interpersonal & Relationship management Skills
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About the role:
- We are looking for a highly skilled Salesforce Senior Business Analyst / Feature Analyst to join our dynamic team. In this role, you will act as a crucial link between business needs and technical solutions, serving as the primary liaison between stakeholders and the Salesforce development team. You will lead the comprehensive analysis, design, and implementation of Salesforce features, ensuring that solutions are scalable, user-friendly, and aligned with our business objectives
Key Responsibilities
- Serve as a subject matter expert on Salesforce capabilities, configurations, and best practices.
- Act as the main point of contact for business stakeholders to gather and analyse business requirements.
- Translate business requirements into clear and detailed user stories and acceptance crietria to guide development efforts.
- Partner with Technical teams (e.g. Solution Analysts, Developers and Solution Architects) to design and deliver solutions that are technically sound and meet user expectations.
- Evaluate business benefits of proposed solutions, including cost savings, efficiency improvements, and enhanced user satisfaction.
- Determine and manage estimated timelines for project delivery, ensuring timely completion of milestones.
- Collaborate with Product Manager and Delivery Lead to prioritise backlogs and plan sprints/releases.
- Drive UAT (User Acceptance Testing) planning, coordination, and defect resolution.
- Drive Change Management planning, coordination and execution.
- Provide ongoing support and continuous improvement recommendations for implemented features.
Knowledge and Experience
- 5-7 years working experience as a BA in a wide variety of situations, contexts and complexities.
- 2+ years of Banking/Financial Services Industry Knowledge
- 2+ years working as a Salesforce Business Analyst/Solution Analyst
- Strong understanding of Salesforce Financial Services Cloud
- Must be capable in using a variety of techniques and completing business analysis tasks independently.
- Internal: Completion of BA School of Learning Level 4
- Business and data analysis
- Understanding of business process and translating requirements into business processes, context diagrams, visual explanations, etc.
- Functional and business process design
- Communication and translation of information across business and technical environments (Interface between business and Technology)
- Design of evidence-based best practice solutions
- Stakeholder engagement and collaboration
- Project Management principles and relevant development lifecycle experience
- Agile development lifecycle principles and experience
- Understanding of systems and the Systems Development Life Cycle (SDLC)
Education (Minimum)
- A relevant tertiary qualification in Business Analysis
Skills
- Analytical Skills
- Problem solving skills
- Communications Skills
- Facilitation Skills
- Interpersonal & Relationship management Skills
- Negotiation skills
- Planning, organising and coordination skills
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About The Role/Team
- The Model Validation team provides assurance on the accuracy, robustness, and governance of models across Capitec. The unit plays a central role in supporting sound risk management, financial decision-making, and regulatory compliance. Our work spans a variety of domains, including credit risk, finance, capital modelling, and fraud detection. The team collaborates closely with modelling and business units, offering technical challenge and validation expertise to ensure models remain fit-for-purpose in an evolving environment.
- We are seeking a skilled professional to join our team as a Model Validation Analyst (Decision Science). In this role, you’ll work on end-to-end model validations across different domains, take ownership of key deliverables, and build challenger models to ensure accuracy, reliability, and compliance of the bank’s models.
What We Are Looking For
- Proven 3-6 years’ experience in scorecard building, including developing, validating, and monitoring scorecards for credit risk application/behaviour models or marketing purposes. This experience will be used in the role to challenge models presented to the team and to build challenger models.
- Experience with data mining used for analyses and predictive modelling.
- Full understanding of the credit lifecycle.
- Strong analytical ability, with attention to detail and the ability to work across multiple model types.
- A collaborative mindset with the ability to engage effectively across technical and business teams.
Education
- Minimum: Degree in Mathematics, Statistics, Actuarial Science or Data Science.
- Ideal or Preferred: Honours Degree in Data Science, Statistics, Mathematics or Actuarial Science.
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About The Role/Team
- Our Model Validation team is a critical function within the organisation, responsible for ensuring the accuracy, reliability, and governance of models across credit, finance, and fraud risk domains. The unit provides oversight, technical challenge, and assurance to support sound decision-making and regulatory compliance. We are seeking an experienced Data Science professional to join as a Model Validation Lead. In this role, you will provide technical expertise and leadership in the validation of advanced AI and ML models, while guiding and mentoring analysts within the team. You will be responsible for the design and execution of independent validations, the development of challenger models, and ensuring adherence to governance standards.This role requires strong technical modelling capabilities, the ability to collaborate with a wide range of stakeholders, and the professional maturity to influence outcomes in a complex and evolving environment.
What You’ll Be Doing
- Provide subject matter expertise, oversight and guidance with regards to the technical review and validation of models used in the organisation, particularly machine learning models.
- Ensure appropriate model governance and model risk management processes and standards are in place in order to manage model risk, improve and optimise model methodologies and usage.
- Lead and deliver independent validations across a range of models, including credit risk, operational optimisation, financial crime, and marketing campaigns.
- Provide technical oversight and mentorship to analysts, supporting skills development and professional growth.
- Design and implement challenger models using advanced machine learning methods.
- Research current and new machine learning algorithms to ensure proposed models are fit for purpose and market best practice is being followed.
- Ensure models meet governance, regulatory, and internal risk standards.
- Partner with model development teams and business stakeholders to provide effective challenge and assurance.
- Contribute to the ongoing enhancement of model validation methodologies, frameworks, and best practices.
What We Are Looking For
- Have 6+ years of proven experience in model development in the field of Data Science and ideally direct model validation or review experience.
- Strong technical expertise in tree-based methods, neural networks, clustering, anomaly detection, and other advanced statistical or machine learning techniques.
- Exposure to cloud platforms (AWS preferred) and emerging technologies such as large language models is desirable.
- Demonstrated ability to mentor and guide junior analysts, identifying skills gaps and supporting development.
- Excellent communication and stakeholder engagement skills, with the ability to work effectively across multiple teams and disciplines.
- Able to design and deliver end-to-end on all but the most complex ML projects without supervision.
- Data mining for use in analyses and predictive modelling.
- Have had own model(s) reviewed and validated or directly validated models in the past.
- Presenting and defending findings to model developers and senior management.
Education
- Minimum: Honours Degree in Mathematics, Statistics or Data Science.
- Preferred: Masters Degree in Mathematics, Statistics or Data Science.
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About The Role
- The Cyber Security Engineer role focuses on implementing, configuring, and operating the organization’s identity governance and administration platform. The role sits within the identity and access management function, supporting the bank’s identity governance and administration needs.
Our Ideal Candidate
- 5+ years in Cyber Security Engineering
- 3 years of hands-on experience in IAG implementation and operations, preferably using SailPoint IdentityNow.
- Proven expertise in configuring and managing IAG platforms, SailPoint IdentityNow is preferred.
- Strong understanding of identity governance principles and best practices in a banking environment.
- Familiarity with related cybersecurity technologies, including:
- Identity Provider (IdP) systems
- Active Directory and Azure AD (EntraID)
- API (REST) integrations
- Excellent problem-solving skills and ability to work in a fast-paced, regulated environment
Qualifications (Minimum)
- Grade 12 National Certificate / Vocational
Qualifications (Ideal or Preferred)
- A relevant tertiary qualification in Information Technology - Computer Science
What You'll Do
- Join the team performing the implementation, configuration, and operation of SailPoint IdentityNow for IAG (Identity Administration and Governance)
- Support the implementation, configuration and maintenance of identity governance processes, policies, and workflows tailored to the banking sector.
- Collaborate with cross-functional teams to integrate IAG solutions with existing applications and systems.
- Monitor and enhance security protocols to mitigate risks and ensure compliance with identified regulations.
- Provide technical expertise and support for IAG-related incidents and improvements.
Technical Skills
- Active Directory Domain Services (AD DS)
- Development & Operations (DevOps)
- Azure Active Directory (Entra ID)
- Networking (DNS, DHCP)
- Security & Compliance
- Identity & Access Management
- Backup & Disaster Recovery
- Hybrid Infrastructure & Operating Systems
- Privileged Access Management (PAM)
- Zero Trust principles by understanding identity and access management (IAM), implementing least-privilege access, and using (JIT/JEA) to strengthen security.
Skills
- Analytical Skills
- Communications Skills
- Consultation skills
- Planning, organising and coordination skills
- Problem solving skills
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Purpose Statement
- This job reports into the Head: Credit Book Control and Recoveries, and assumes responsibility for maximising Stage 3 recoveries and impairment releases and minimising Stage 3 recovery costs and impairment raises for Capitec Business (“CB”) and Capitec Rental Finance (“CRF”). This will be achieved through:
- Assuming accountability for providing strategic direction to Legal Recoveries’ personnel, operations, data application, recovery tactics, litigation, insolvencies, outsourcing and campaigns; and
- Ensuring the optimal realisation of collateral securing the non-performing loan portfolios of CB ad CRF.
Experience
Minimum:
- 8 – 10 years in a banking / legal environment comprising of at least
- 4 years at a managerial level and
- 4 years in a Recoveries space
- Managerial experience in Capitec Bank Limited or another financial institution in the same
Qualifications (Minimum)
- Bachelor's Degree in Law or Commerce
Qualifications (Ideal or Preferred)
- A relevant post-graduate qualification in Commerce or Business Administration
Knowledge
Minimum:
- Up-to-date knowledge of legislation and regulations relevant to the Collections and Recoveries environments
- Up-to-date knowledge of the Credit Risk regulatory requirements
- Protection of Personal Information Act (POPIA)
- Basel II
- Banking and Financial Services Industry
- Strategic credit risk management
- Advanced knowledge of the debt collection processes
- Entire credit life-cycle
- Broad business knowledge and acumen
- Advanced knowledge of the National Credit Act, 2005; the Insolvency Act, 1936; the Companies Act, 2008; the Administration of Estates Act, 1965; and the Consumer Protection Act, 2008.
Ideal:
Understanding of:
- Commercial, business, entrepreneurial and financial principles and practices
- Governance and risk management principles
- Data analytics
Skills
- Project Management Skills (Methodolgy Specific)
- Problem solving skills
- Leadership Skills
- Decision making skills
- Analytical Skills
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About the role:
- We are seeking a strategic and results-driven Product Manager to support the Product Head in delivering best-in-class Salesforce-based solutions. This role is responsible for optimizing the product throughout its lifecycle by directing its development and enhancement in close partnership with the Software Development Manager and cross-functional teams. The successful candidate will help prioritize and sequence product builds, ensuring alignment with business needs and technical capabilities.
Key Responsibilities:
- Lead product strategy and roadmap development for Salesforce-based solutions.
- Manage cross-functional teams to deliver high-impact digital products.
- Oversee end-to-end product lifecycle from ideation to deployment and optimization.
- Collaborate with stakeholders to define business needs and translate them into functional Salesforce solutions.
- Drive Agile product development and backlog prioritization.
- Develop business analysis artefacts to support product design and delivery.
- Conduct stakeholder workshops and facilitate requirements elicitation.
- Ensure regulatory compliance and risk oversight in product delivery.
- Mentor and coach product and business analysis teams.
Min Experience:
- At least 3 years’ management/ team management / team lead experience; senior level product development or product manager/owner
- 5+ years’ experience managing, developing and delivering Salesforce products.
- Working at tactical and operational levels and providing input into product strategy and business planning.
- Practical knowledge of salesforce and the capabilities it offers are non-negotiable.
- Integrating business and technical product segments to achieve objectives, delivery and targets.
- Career experience to include some time in one or more technical roles.
- Communicating with technical and non-technical 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.
- Scoping/running usability studies and/or customer research.
- Using data and metrics to test theories, confirm assumptions, and measure success Client development and validating products through customer feedback.
- Aligning operational initiatives and/or projects to corporate strategies and objectives Achieving goals and objectives through cross functional teams.
- Managing and working with remote / hybrid teams. Leading and managing multi-functional teams to deliver Business development in a banking/financial landscape
Education (Minimum)
Education (Ideal or Preferred)
Skills
- Analytical Skills
- Attention to Detail
- Commercial Thinking Skills
- Communications Skills
- Interpersonal & Relationship management Skills
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About the role
- We’re on a mission to make credit more purposeful, personal, and accessible. As the Purpose Lending branch of the Credit Access team, we’re building innovative products that match credit to real-life needs. Empowering clients to improve their lives with confidence. Our Data & Analyticsteam is growing, and we’re looking for a sharp, impact-driven BIBA to help shape the future of credit at Capitec.
Purpose Statement
- To gather, analyse and understand business users’ data and analytics requirements and translate these requirements into analytics best practice technical solutions that meet the relevant business objectives.
- To ensure alignment between business, Product Managers, data and analytics teams and produce a comprehensive functional specification from business requirements by maintaining a high level of in-depth knowledge with regards to analytics and other relevant data concepts.
Education (Minimum)
- A relevant tertiary qualification in Information Systems
- Certification in Business Analysis
Education (Ideal or Preferred)
- Certification in AWS Data Analytics Speciality or AWS Architecture
Knowledge and Experience
Knowledge
Minimum:
- Data Warehousing on an enterprise level
- Cloud data estates (e.g., AWS and Azure)
- Cluster computing fundamentals e.g., Big Data
- Data Governance and Data Management
- Understanding of data protection
- Financial systems and procedures
- SDLC / DevOps
- Conceptual Data modelling
- Basic data analysis using SQL (PostgresSQL)
- Understanding of the concepts of data visualisation
- Software Testing and Quality Assurance
- Databases and Database design
Ideal:
- Banking systems environment
- Banking business model
- Agile development life cycle
- Databases and Database design
- Quality Assurance (QA)
- Amazon Redshift
Experience
Minimum:
- At least 5 years’ proven experience within information systems business intelligence and data warehousing environment
- At least 5 years’ proven experience in drafting Business Requirement Specifications/Documents and translating requirements between business and functional stakeholders
- Experience in Business Analysis using various techniques to describe business needs e.g. conceptual model, ERD, Test Cases, Data Flows, UML models, Data Dictionary, Business processes flows, etc.
- Able to perform data analysis and determine the impact and next steps required
- Able to identify and classify data exposure risk from the relevant legislation
Ideal:
- Able to perform data analysis and determine the impact on broader organisational frameworks and objectives
- Relevant business domain knowledge e.g., credit
- Business Information Business Analysis experience in a finance/banking environment
Skills
- Commercial Thinking Skills
- Facilitation Skills
- Problem solving skills
- Analytical Skills
- Communications Skills
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About the role:
- As a Lead Data Scientist (Retail Credit), your purpose is to own and advance Capitec’s highest materiality client exposure models, the intelligence that identifies salary deposits with near perfect precision and drives credit eligibility and downstream treatments in both batch and real time (branch side) pathways. You’ll combine deep research with production pragmatism to evolve our sequence-type deep learning neural network models, ensuring they remain accurate, explainable, and robust under heavy load and tight SLAs. You’ll shape the analytics behind our enterprise “10 minute flow” (3 screen journey), turning complex data into simple, trusted decisions for clients and bankers alike.
- The role spans the full ML and Data Science lifecycles and the people leadership required to execute it well. You will lead a squad of Data Scientists, stewarding model design, feature governance, Model Risk Management grade documentation, approvals, deployment, and continuous monitoring. You’ll partner daily with RCED, delivery teams, and Branch Ops, to keep batch runs and real time scoring healthy, documented, and continually improved. With recent platform migrations, you’ll guide the team as deployments are detangled from platform engineering and stabilised as services the squad fully owns, freeing focus for pay date intelligence, collections strategies, and a client level view that compounds value over time.
Our ideal candidate has:
- 7+ years building and running high stakes ML models in production (financial services or adjacent), with clear impact on credit exposure or client treatment.
- Demonstrable mastery of sequence-type deep learning neural networks; comfortable balancing accuracy, explainability, and control.
- Hands on ownership of batch and real time scoring.
- Fluency in Python/SQL, model packaging and service exposure; experience with AWS (SageMaker, Kubernetes, or equivalent cloud), Git/GitHub, and collaborative documentation (Confluence).
- Proven leadership of 4–5 DS/MLEs, establishing code/review standards, mentoring, and elevating research & engineering practice.
- Stakeholder management across RCED, Delivery, Branch Ops, and governance forums.
- Model Risk Management mindset: rigorous documentation, approval pathways, monitoring and retraining.
- Have the ability to articulate where and why a model is used, what happens if it drifts and what the risk to clients and the Bank are
Ideal:
- Experience with pay date models, Next Best Action, or collections; prior exposure to Documents Exchange (multi bank statements) and strategies for timely retraining when external data shifts.
Competencies:
- Strategic thinking
- Leadership ability
- Problem solving skills
- Decision making skills
- Researching skills
- Project Management skills
- Planning, organising and coordination skills
Education:
- Completed a master’s degree or higher
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About the role:
- The Portfolio Manager role is responsible for overseeing and coordinating risk projects within business banking and at group level. This person acts as the main point of contact for auditors and compliance activities, ensuring that all requirements are met across various teams. They are tasked with driving the delivery and maturity of License to Innovate (LTI), reporting progress to executive committees, and executing hands-on project management within the risk space. The role is independent, with no direct reports, and requires leveraging organizational knowledge and risk expertise to ensure effective project delivery and communication
Our Ideal Candidate Has:
- 6 years+ experience in Risk management, compliance, or audit within financial services
- Knowledge of risk, compliance, and governance processes.
- 3 Years in a portfolio or programme management role
- Ability to coordinate projects independently.
- Strong understanding of regulatory frameworks (FCSA, PA, AML, FinCrime)
- Experience in product development risk support (BRIA, PIRA)
- Knowledge of disaster recovery planning and execution
- Previous exposure to similar roles or environments.
Qualifications Minimum
- A relevant degree in Business Administration or Risk Management
- Certification in Project Management
Skills
- Management
- Leadership
- Risk assessment and mitigation planning
- Decision making
- Strategic communication and presentation (Exco-level)
- Facilitation of RCSA and risk workshops
- Audit planning and remediation tracking
Conditions of Employment
- Clear criminal and credit record
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Purpose Statement
- To partner strategically with Product Heads to assess business needs and offer tailored marketing solutions.
- To advise and direct the creation of marketing programs that align with the business's strategic direction.
- To oversee the marketing value chain, from consulting with business to planning, development, execution, and reporting.
- Ensure thorough reporting and measurement of marketing initiatives to track success and drive continuous improvement
Experience
Minimum:
- 5+ years product marketing experience in a large, complex and client focussed organisation
Ideal:
- Experience gained preferably in an FMCG, retail banking or services industry.
- Cross functional project coordination / management
- Lead and manage marketing programs that align with and support business and marketing objectives.
- Multi-Channel Marketing, utilising a range of marketing capabilities, including direct marketing, digital performance marketing, social media marketing, above-the-line advertising, digital and traditional media, and content marketing.
Qualifications (Minimum)
- Grade 12 National Certificate / Vocational
- Bachelor's Degree in Marketing or Business Management
Qualifications (Ideal or Preferred)
- A relevant post graduate degree in Marketing or Business Management
Knowledge
Minimum:
- Principles of brand marketing
- Data analysis, client profiling and segmentation
- Digital marketing and e-commerce
- Strategic marketing management
- Campaign management
- General business/commerce know how
- Internal and external communication methods and practices
Ideal:
- Capitec environment and products
Skills
- Communications Skills
- Problem solving skills
- Analytical Skills
- Attention to Detail
- Computer Literacy (MS Word, MS Excel, MS Outlook)
- Conditions of Employment
- A valid driver's license and own vehicle is required
- Willingness to travel nationally on a regular basis
- Clear criminal and credit record
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About The Role
- Are you passionate about delivering impactful solutions that touch millions of lives? Capitec’s Savings team is looking for a dynamic Business Analyst to help shape the future of banking for every client. Join a team at the heart of Capitec, responsible for the bank’s core savings products—including main accounts, access anytime, fixed accounts, and notice deposits. You’ll work closely with the product manager, business engineers, and developers to drive innovation and ensure seamless client experience.
Education (Minimum)
- Grade 12 National Certificate / Vocational
- Certification in Business Analysis
Knowledge and Experience
- At least 5 years relevant work experience in Business Analysis, with a proven track record of delivering client-facing features and solutions
- Demonstrated ability to lead through influence, using business rules, data, insight and communication to shape decisions and drive alignment.
- Advanced analytical and problem solving skills, supported by a critical thinking mindset.
- A high level of adaptability, thriving in agile, fast-paced environments where priorities can shift rapidly.
- Meticulous attention to detail, ensuring accuracy and quality in all deliverables
- Strong interpersonal skills.
- Background in engineering, computer science, finance, or similar fields—experience in financial services related to retail banking is a plus, but not required
Key Responsibilities
Deliver new features and enhancements that directly impact 24 million clients.
- Partner with Product Manager, Business Engineers and stakeholders to define problem statements, desired outcomes and measures of success.
- Analyse and enhance the full lifecycle of savings products, identifying friction points and opportunities for improvement.
- Conduct workshops, interviews, and system/data analysis to elicit and document clear, actionable requirements.
- Collaborate within a fast-paced, agile environment to drive change and maintain alignment across teams.
- Document processes, customer journeys, data flows and non-functional requirements.
- Work closely with solution architects and engineers to shape solution options and high-level designs and integration contracts (API’s/events)
- Support testing activities to ensure all solutions meet business requirements and comply with financial regulatory standards.
Skills
- Analytical Skills
- Problem solving skills
- Communications Skills
- Facilitation Skills
- Interpersonal & Relationship management Skills
- Negotiation skills
- Planning, organising and coordination skills
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Purpose Statement
- To ensure that the business is prepared and skilled to mitigate any cyber security threat through
- Assessing and testing the applications and processes of the Bank.
- Identifying potential areas of weaknesses from a security perspective.
- Playing a key role in developing world class cyber security capabilities within the Bank by means of knowledge transfer, education, training and research.
Experience
MINIMUM:
- 3 – 5 years’ experience in cyber security testing
- Risk identification and communication relating to cyber security
IDEAL:
- 5+ years in cyber security testing
- 2 – 3 years financial services / banking experience
- Experience with the Agile and DevOps models
Qualifications (Minimum)
- Grade 12 National Certificate / Vocational
- Certification in Information Technology
Qualifications (Ideal or Preferred)
- A relevant tertiary qualification in Information Technology or Information Technology - IT Engineering
Knowledge
MINIMUM:
- Manual and automated security testing of infrastructure, networks, and web applications\services
- Technical vulnerability assessments (CVE and CVS database knowledge)
- Best practice technical reviews; using company and industry standards
- Common network protocols, system architecture, and operating systems
- Logical access reviews and audit
- Knowledge of TTP's/MITRE Attack Framework, threat-attack landscape
- Strong communication and reporting skills, articulate risk to business
- Solution and white-boarding of systems to be assessed
- Ability to read\understand at least 1 scripting language (e.g. Python, Bash, PowerShell, C\PHP\Java code)
- Experience in testing web services, web\mobile applications, and cloud applications
- Proficiency with pen-testing tools (Security distro’s and intercepting proxy tools)
- Understanding and familiarity of vulnerabilities included in methodologies such as OWASP Top 10 (Web, Mobile, API) and OSSINT
- Understanding of system architectures and platforms (e.g. Windows, Unix, Linux and RedHat)
- Understanding of tiered web application\service\cloud architectures and related databases (MySQL, MSSQL and Oracle)
- Understanding of networking protocols and architectures, WAF’s, web and reverse-proxies, DLP, e-mail proxy, DAM, firewalls and perimeter security technologiesEnd User Infrastructure Service technologies (e.g. Print Management Solutions)
IDEAL:
- Cyber Security Threat modelling and Attack-Path mapping
- Conducting and participating in Red-Team\Purple teaming exercises
- Familiarity with industry regulatory requirements, specific to information security
- Proficiency in scripting with at least 1 scripting language (e.g. Python, Bash, PowerShell)
- Reverse engineering of malware\exploits
Skills
- Communications Skills
- Computer Literacy (MS Word, MS Excel, MS Outlook)
- Attention to Detail
- Analytical Skills
- Problem solving skills
Method of Application
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