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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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. This advertisement is intended to
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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Purpose Statement
To optimise credit intelligence performance, and minimise credit risk through:
- Independently conducting complex quantitative data analysis and delivering analytical output that will enable insights and inform business decision making.
- Proposing and executing solutions based on analytical outputs.
- Proposing and working with senior team members to build new statistical models informing credit decisions.
Experience
Minimum:
- 2-4 years’ experience in retail credit analysis (including SQL programming, diagnostic analytics, statistical modelling and data visualisation).
- In case of Honours degree: 1 - 3 years’ experience in retail credit analysis (including SQL programming and descriptive analytics).
Ideal:
- Portfolio specific experience
- Capitec Bank experience
Qualifications (Minimum)
- Bachelor's Degree in Finance or Statistics
Qualifications (Ideal or Preferred)
- A relevant post-graduate qualification in Finance or Statistics
Skills
- Communications Skills
- Presentation Skills
- Reporting Skills
Conditions of Employment
- Clear criminal and credit record
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About the Role
- The Backend Software Engineer III is a key contributor within the Credit Scoring Team, responsible for designing, developing, and maintaining backend services that drive our credit decision logic. You’ll architect and implement cloud solutions on AWS, automate infrastructure with Terraform and GitOps, and ensure our applications are scalable, reliable, and secure. Collaboration with DevOps, QA, Product, and Architecture teams is essential to deliver robust, enterprise-grade solutions.
Key Responsibilities
- Design, develop, and maintain backend services in Python for enterprise-grade applications.
- Architect and implement cloud solutions on AWS (EKS, Lambda, RDS, MSK, S3, ElastiCache).
- Automate infrastructure provisioning and management using Terraform and GitOps workflows (ArgoCD/GitHub Actions/Jenkins).
- Ensure scalability, reliability, and security of applications and infrastructure in production environments.
- Collaborate with cross-functional teams to deliver end-to-end solutions.
- Implement CI/CD pipelines for build, test, and deployment automation.
- Apply best practices for observability (metrics, tracing, logging) and ensure system health with monitoring tools.
- Mentor junior engineers, participate in code reviews, and contribute to engineering standards.
Required Skills & Experience
- Grade 12 National Certificate (Minimum)
- A relevant tertiary qualification in Information Technology (Preferred)
- 6+ years’ proven experience in back-end software development, project delivery
- Strong proficiency in Python (FastAPI) for backend development and scripting.
- Deep experience with AWS cloud services (IAM, EKS, RDS, MSK/Kafka, Lambda, ElastiCache, etc.).
- Hands-on expertise with Terraform (modules, state management, environment-specific provisioning).
- Solid understanding of microservices architecture, APIs (REST/gRPC), and event-driven design.
- Proficiency with databases (PostgreSQL, SQL Server, MySQL).
- Experience with CI/CD pipelines (GitHub Actions, GitLab CI, Jenkins, or similar).
- Strong knowledge of containerization (Docker, Kubernetes).
- Familiarity with monitoring/observability tools (Instana, Prometheus, Grafana, OpenTelemetry, etc.).
Nice-to-Have (Bonus Skills)
- Proficiency in gRPC, concurrency patterns.
- Knowledge of Kafka ecosystem (Kafka Streams, schema registries, outbox pattern).
- Familiarity with infrastructure cost optimization on AWS.
- Experience with agile methodologies and Kanban delivery.
- Prior exposure to security best practices in cloud environments.
Skills
- Strong problem-solving ability and ownership mindset.
- Excellent communication skills to collaborate with technical and non-technical stakeholders.
- Ability to mentor and uplift team members.
- Comfortable working in a fast-paced, multi-language, microservices environment.
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Purpose Statement
To optimise credit intelligence performance, and minimise credit risk through:
- Independently conducting complex quantitative data analysis and delivering analytical output that will enable insights and inform business decision making.
- Proposing and executing solutions based on analytical outputs.
- Proposing and working with senior team members to build new statistical models informing credit decisions.
Experience
Minimum:
- 2-4 years’ experience in retail credit analysis (including SQL programming, diagnostic analytics, statistical modelling and data visualisation).
- In case of Honours degree: 1 - 3 years’ experience in retail credit analysis (including SQL programming and descriptive analytics).
Ideal:
- Portfolio specific experience
- Capitec Bank experience
Qualifications (Minimum)
- Bachelor's Degree in Finance or Statistics
Qualifications (Ideal or Preferred)
- A relevant post-graduate qualification in Finance or Statistics
Skills
- Communications Skills
- Presentation Skills
- Reporting Skills
Conditions of Employment
- Clear criminal and credit record
go to method of application »
Purpose Statement
To optimise credit intelligence performance, and minimise credit risk through:
- Independently conducting complex quantitative data analysis and delivering analytical output that will enable insights and inform business decision making.
- Proposing and executing solutions based on analytical outputs.
- Proposing and working with senior team members to build new statistical models informing credit decisions.
Experience
Minimum:
- 2-4 years’ experience in retail credit analysis (including SQL programming, diagnostic analytics, statistical modelling and data visualisation).
- In case of Honours degree: 1 - 3 years’ experience in retail credit analysis (including SQL programming and descriptive analytics).
Ideal:
- Portfolio specific experience
- Capitec Bank experience
Qualifications (Minimum)
- Bachelor's Degree in Finance or Statistics
Qualifications (Ideal or Preferred)
- A relevant post-graduate qualification in Finance or Statistics
Skills
- Communications Skills
- Presentation Skills
- Reporting Skills
Conditions of Employment
- Clear criminal and credit record
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About The Role
- We are seeking a Domain Architect for Service Management Systems to drive the development, standardization, and governance of architectural components within our service management domain. This is a senior, strategic role focused on building reusable, future-fit solutions that support IT Service Management (ITSM), HR Service Management (HRSM), and related capabilities across the enterprise. You will act as a subject matter expert and advisor, ensuring that all solutions are designed for scalability, maintainability, and innovation, while minimizing technical debt and complexity.
Our Ideal Candidate
- Minimum 6–8 years’ experience in service management systems, with at least 4 years in domain or solution architecture roles.
- Strong technical background, ideally with hands-on experience in engineering, networking, or related fields.
- Experience with service management technologies (e.g., ServiceNow, ITSM, or other), with a focus on architectural principles over specific tools.
- Excellent facilitation, communication, and problem-solving skills.
- Deep understanding of business process design and the ability to recommend fit-for-purpose solutions.
- Innovative mindset with a track record of driving efficiency through technology.
- Exposure to large-scale projects and new service implementations is highly advantageous.
Key Responsibilities
- Develop and implement architectural standards and reusable components for service management systems.
- Govern and lead the adoption of best practices in integration, design, and process standardization.
- Advise on and review new service management requirements to ensure alignment with enterprise architecture and future technology trends.
- Facilitate collaboration between technical and business stakeholders, translating requirements into robust solutions.
- Identify opportunities for innovation, including automation, AI, and process optimization.
- Support the introduction of new services and manage the architectural impact of upgrades and enhancements.
- Ensure solutions are designed to minimize bespoke development and technical complexity.
Qualifications (Minimum)
- Grade 12 National Certificate / Vocational
Qualifications (Ideal or Preferred)
- A relevant tertiary qualification in Information Systems
Skills
- Commercial Thinking Skills
- Communications Skills
- Attention to Detail
- Facilitation Skills
- Business Process Modelling skills (IDEF-0, Financial Modelling, Enterprise Architect, BPMN, etc.)
- Negotiation skills
- Computer Literacy (MS Word, MS Excel, MS Outlook)
- Problem solving skills
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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 produce comprehensive business requirements specifications from business requirements leveraging domain, technical and data knowledge and coordinating collaboration from relevant stakeholders (e.g. own Product Line, Shared Services and other support teams) in the Capitec Data Estate
Education (Ideal or Preferred)
- Certification in AWS Data Analytics Speciality or AWS Architecture
Knowledge and Experience
Experience
Minimum:
- Relevant tertiary qualification in Statistics, Computer Science, Engineering or Mathematics
- At least 7 years’ proven experience within information systems, business intelligence or data warehousing environments
- At least 7 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.
- Experience in providing technical coaching to more junior team members as well as leading projects and/or Communities of Practice (COP)
- Able to perform data analysis and determine the impact on broader organisational frameworks and objectives
- Able to identify and classify data exposure risk from the relevant legislation
Minimum
Knowledge:
- 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
- Coaching: principles and practice
- Databases and Database design
Ideal:
- Banking systems environment
- Banking business model
- Agile development life cycle
- Databases and Database design
- Quality Assurance (QA)
- Amazon Redshift
Ideal:
- Relevant business domain knowledge e.g., credit
- Business Information Business Analysis experience in a finance/banking environment
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About the Role
- As a Backend Software Engineer (C#/.NET Core), you will be a key contributor in a team of seven engineers focused on building robust, scalable backend services and APIs for client data. You’ll work with modern technologies including .NET Core, Docker, Kubernetes, and PostgreSQL, and deploy solutions on AWS or Azure. Collaboration with DevOps, QA, Product, and Architecture teams is essential to deliver enterprise-grade solutions.
Key Responsibilities
- Design, develop, and maintain backend services and APIs using C# and .NET Core.
- Architect and implement cloud solutions on AWS (preferred) or Azure.
- Deploy and manage applications using Docker and Kubernetes.
- Ensure scalability, reliability, and security of applications and infrastructure.
- Collaborate with cross-functional teams to deliver end-to-end solutions.
- Participate in code reviews and contribute to engineering standards.
- Support the team’s mission to build data-centric solutions for client information management.
Required Skills & Experience
- 3+ years’ proven experience in back-end software development, project delivery and implementation (in relevant development technologies/language). Experience with back-end frameworks and technologies
- Strong proficiency in C# and .NET Core for backend development.
- Experience with Docker deployments and Kubernetes orchestration.
- Solid understanding of microservices architecture and RESTful APIs.
- Proficiency with PostgreSQL or similar relational databases.
- Experience deploying solutions on AWS (preferred) or Azure.
- Excellent problem-solving ability and ownership mindset.
- Comfortable working in a fast-paced, data-centric environment.
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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About the role
- As a Front-End Software Engineer (Level II), you’ll play an integral role in a cross-functional team responsible for the full software development lifecycle — from concept and design through development, deployment, and ongoing operations.
- You’ll help build intuitive and engaging web and mobile experiences that bring Capitec’s client-first vision to life. Working closely with designers, back-end engineers, and business analysts, you’ll transform design mockups and functional requirements into dynamic, high-quality user interfaces using React and related technologies.
- In this role, you’ll be responsible for writing clean, maintainable, and scalable code; contributing to UI/UX improvements; and ensuring that our solutions are accessible, performant, and consistent across platforms. You’ll also take part in design discussions, code reviews, and continuous improvement efforts that support innovation and technical excellence across the team.
Our ideal candidate has:
- Our ideal candidate is a collaborative and curious front-end engineer who is passionate about crafting seamless digital experiences that make a real difference to clients.
- You have hands-on experience developing and maintaining production-grade React applications, and you’re comfortable working with avaScript HTML5, CSS3, and responsive design frameworks. You understand how front-end components integrate with APIs and back-end systems, and you’re confident optimizing performance and maintaining code quality across multiple browsers and devices.
- You’re a problem-solver who thrives in agile, fast-paced environments and enjoys working with others to deliver reliable, elegant solutions. You take pride in writing code that not only works well but also enhances the client journey.
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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Purpose Statement
- To lead a Business Analysts team, prioritize and oversee work within the BSC Operational System Support client-facing departments, and provide subject matter expertise and actionable insights to influence decision-making. Ensure delivery within contracted timelines, aligned with the objectives, plans, processes, and standards of the Operational System Support Department.
Experience
Minimum/Ideal:
- Minimum of 3 - 5 years’ experience as an Business Analyst in an operational environment.
- Minimum 3 years’ experience in leading a team in a fast-moving environment.
Function specific experience:
- Experience in identifying, quantifying, and providing solutions for business challenges using data or technology.
- Experience and knowledge of the ETL (extract, transform, load) data flow.
- Experience in handling complex projects.
Qualifications (Minimum)
- Grade 12 National Certificate / Vocational in Grade 12 National Certificate
- A relevant tertiary qualification in Business Administration
Qualifications (Ideal or Preferred)
- Bachelor's Degree
- A Relevant Professional Qualification in Business Analysis or Data Analysis
Knowledge
- People/team leadership practices and principles
- General operations management practices and principles and stakeholder and client management
- HR principles and processes.
- Client service principles and practices.
- Liaising with 3rd party providers
Function specific knowledge:
- Proficiency in Amazon Connect for monitoring capabilities and identifying improvement areas through reporting and dashboards
- Operational Process mapping skills
- Ability to drive an environment of innovation and identify opportunities for process automation to enhance efficiency and accuracy
- Proficient in agile project management and Jira.
Skills
- Analytical Skills
- Attention to Detail
- Communications Skills
- Computer Literacy (MS Word, MS Excel, MS Outlook)
- Decision making skills
- Interpersonal & Relationship management Skills
- Leadership Skills
- Planning, organising and coordination skills
- Presentation Skills
- Problem solving skills
- Project Management Skills (Methodolgy Specific)
- Reporting Skills
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Purpose Statement
- To lead a team of Business Analysts, prioritize and oversee work within the BSC Operational System Support client-facing departments, and provide subject matter expertise and actionable insights to influence decision-making. Ensure delivery within contracted timelines, aligned with the objectives, plans, processes, and standards of the Operational System Support Department.
Experience
Minimum/Ideal:
- Minimum of 3 - 5 years’ experience as Business Analyst or equivalent (data analyst etc.) including experience in data analytics environment
- Minimum 3 years’ experience in leading a team in a fast-moving environment.
Function specific experience:
- Experience in identifying, quantifying, and providing solutions for business challenges using data or technology.
- Experience and knowledge of the ETL (extract, transform, load) data flow.
- Experience in identifying and quantifying business challenges and delivering solutions using data.
- Experience in building data visualizations using tools such as Power BI.
- A good understanding of database management, data warehousing, data mining, and data visualization.
Qualifications (Minimum)
- Grade 12 National Certificate / Vocational in Grade 12 National Certificate
- A relevant tertiary qualification in Business Administration
Qualifications (Ideal or Preferred)
- Bachelor's Degree
- A Relevant Professional Qualification in Business Analysis or Data Analysis
Knowledge
- People/team leadership practices and principles
- General operations management practices and principles and stakeholder and client management
- HR principles and processes.
- Client service principles and practices.
- Liaising with 3rd party providers
Function specific knowledge:
- Proficiency in Amazon Connect for monitoring capabilities and identifying improvement areas through reporting and dashboards
- Operational Process mapping skills
- Ability to drive an environment of innovation and identify opportunities for process automation to enhance efficiency and accuracy
- Proficient in agile project management,SQL and Jira.
Skills
- Analytical Skills
- Attention to Detail
- Communications Skills
- Computer Literacy (MS Word, MS Excel, MS Outlook)
- Decision making skills
- Interpersonal & Relationship management Skills
- Leadership Skills
- Planning, organising and coordination skills
- Presentation Skills
- Problem solving skills
- Project Management Skills (Methodolgy Specific)
- Reporting Skills
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Purpose Statement
- To evaluate and manage the intuitive credit and associated risks within an allocated portfolio in a geographic region; effectively integrating and controlling the credit function by maintaining the quality of credit risks across the portfolio, minimizing the risk of loss through bad debts, while maximizing profits.
- To interact with other areas of the bank, acting as a catalyst in driving changed initiatives in ensuring compliance within agreed risk parameters as set out in the changed strategy.
Experience
Minimum:
- At least 8 -10 years banking experience, 5 of which in credit
- Credit Management experience across business and commercial markets in the intuitive space as well as the scored lending environment
- Working within the requirements of the National Credit Act and other relevant legislation
- Significant experience in preparing and motivating Credit applications
Ideal:
- Experience of managing a portfolio of business customers with a service and financial analysis focus.
Qualifications (Minimum)
- Bachelor's Degree in Commerce or Credit Management
Qualifications (Ideal or Preferred)
- Honours Degree in Commerce or Credit Management
Knowledge
Minimum:
- Business acumen
- Risk management principles and processes
- Project management methods and practices
- Relationship building and management techniques
- Financial management
- Customer relationship management (CRM) principles and techniques
- 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
Ideal:
- Products available and pricing structures
- Current taxation laws as they apply to clients
- A good knowledge of administration processes and procedures pertaining to Business Banking transactions
- Financial Modelling; financial analysis (evaluating and identifying trends), complex cash flow cycles (industry/ sector specific)
Skills
- Analytical Skills
- Attention to Detail
- Communications Skills
- Computer Literacy (MS Word, MS Excel, MS Outlook)
- Interpersonal & Relationship management Skills
- Negotiation skills
- Numerical Reasoning skills
- Planning, organising and coordination skills
- Problem solving skills
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Purpose Statement
- To manage and oversee the team of Specialists responsible for all treasury, international banking and payment related products and systems within the Exchange Control environment in Capitec.
- To advise the clients on Exchange Control related matters and manage the Balance of Payment (BOP) reporting processes in line with regulatory requirements.
- To be the liaison with the South African Reserve Bank (“SARB”) on behalf of Capitec and the Exchange Control Department.
Experience
MINIMUM:
- At least 5 years in exchange control environment working with BOP Reporting
- At least 3 years liasing with the SARB on BOP reporting matters, including system inspections
- Holding accountability for regulatory compliance in an exchange control environment
IDEAL:
- BOP reporting knowledge and Typing skills
Qualifications (Minimum)
- Grade 12 National Certificate / Vocational
Knowledge
MINIMUM:
- Extenssive knowledge of legislation including SA Reserve Exchange Control regulations and rulings
- Extenssive knowledge of BOP reporting requirements and reporting formats for various types of transactions
- Knowledge and understanding of the FIC
- The general understanding of treasury/exchange/banking environment
- Client service principles and standards
- Stakeholder engagement practices
IDEAL:
- Sound knowledge of internal Business Bank policies and procedures
Skills
- Communications Skills
- Decision making skills
- Interpersonal & Relationship management Skills
- Analytical Skills
- Management skills
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Purpose Statement
- To maximise the effectiveness of marketing efforts through optimising processes and streamlining operations, technologies and workflows
Experience
Minimum/Ideal
- 5 years in a similar role, with 10 -15+ years of experience in marketing operations or related roles within high-growth or complex organizations.
Qualifications (Minimum)
- Grade 12 National Certificate / Vocational
- Bachelor's Degree in Marketing or Systems Analysis
Qualifications (Ideal or Preferred)
- Advanced Diploma in Project Management or Business Management
Knowledge
Minimum/Ideal
- Proven expertise in marketing operations with a clear understanding of the Creative and Comms strategy process
- Expertise in marketing technology platforms, including CRM and automation tools
- Strong analytical mindset with experience in data management, segmentation, and reporting.
- Exceptional project management skills with a track record of streamlining processes and delivering measurable outcomes.
- In-depth knowledge of marketing best practices, compliance regulations, and emerging trends.
Skills
- Analytical Skills
- Communications Skills
- Computer Literacy (MS Word, MS Excel, MS Outlook)
- Leadership Skills
- Project Management Skills (Methodolgy Specific)
- Strategic Thinking Skills
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Purpose Statement
- To achieve agreed monthly sales targets in a functional area of Business Banking, Rental Finance, or Payment Services by value and number of applications through an established supplier/ business partner network. To grow the supplier portfolio through successful identification and implementation of value adding and specialised business banking / rental finance / payment service product solutions and maintain service delivery standards to all internal and external suppliers and business partners.
- To contribute to the overall profitability of Business Bank, Rental Finance, or Payment Services by promoting and selling products to new and existing clients.
Experience
Min:
- 5+ years of general business banking, rental finance or payment services experience and relationship-building
- Supplier management experience
- Managing a complex portfolio of business customers with a service and financial analysis focus
- Preparing and motivating credit applications
- Cost control and sales management
- Client focus – service delivery
- Experience in the business banking, rental or payment services market
- Remote / distance relationship management
- Turnaround times and working within those limits
Ideal:
- 1-2 years managerial / leadership experience
- 1-2 years managing a small business centre
Qualifications (Minimum)
- A relevant tertiary qualification in Finance or Business Management
Qualifications (Ideal or Preferred)
- A relevant degree in Finance or Business Administration
Knowledge
Min:
- Principles and practices of business economics and the current business economic environment
- Customer relationship management (CRM) principles and techniques
- Able to extract, analyse and apply CRM insights to influence the client management approach and strategy
- Different industry sectors and sector risk profiles / trends; e.g. impact of climatic conditions on agricultural market
- Understanding of the current local market and industry principles and practices to 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).
- General understanding of how Business Banking, Rental Finance or Payment Services operate, as well as understanding the business risks, industry risks and financial requirements pertaining to the business market
- Understanding of rental finance, payment services and related products
- Discounting process
- Understanding of the office automation, IT, telephony rental and payment services environments
- General office and administration practices and standards
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 transactions in functional area
- Financial Modelling; activity based costing, financial analysis (evaluating and identifying trends),complex cash flow cycles (industry/ sector specific)
- BB/MRF/Payment Services policies and procedures
Skills
- Analytical Skills
- Attention to Detail
- Commercial Thinking Skills
- Communications Skills
- Computer Literacy (MS Word, MS Excel, MS Outlook)
- Decision making skills
- Influencing Skills
- Interpersonal & Relationship management Skills
- Negotiation skills
- Problem solving skills
- Strategic Thinking Skills
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About the role
- Deliver functional expertise in SAP Logistics processes, including configuration, customisation, and solution deployment, to meet business requirements. Ensure seamless integration with related SAP modules and external systems and develop automation where required. Leverage SAP solutions to design and optimise business processes. Provide user support, handling 2nd and 3rd level incidents to resolve operational and service-related technical issues as part of business-as-usual activities.
Minimum Requirements:
- A relevant degree
- 5-7 years in SAP systems design, analysis, configuration and implementation
- 5-7 years in systems integration design and implementation
- Understanding of Supply Chain processes with a specific focus on Source to Contract, Procurement, Inventory management and Plant Maintenance.
- Experience in Fiori Functional design and implementation
- Understanding of SAP architecture, integration points, and how SAP solutions align with business processes
- Proficient / expert knowledge of SAP S4 MM Module, PM Module and Fiori
- Systems implementation and technical systems support experience.
Ideal Knowledge:
- 2 years+ Agile experience and working knowledge of Jira and or Confluence
- Systems Integration best practices and design
- Knowledge and application of relevant IT best practices
- Knowledge of IT Service Management principles and frameworks (ITIL 4)
- Understanding of SAP authorisations within the SAP Functional area
- Knowledge of Project Management methods
Qualifications (Minimum)
Qualifications (Ideal or Preferred)
- A relevant degree in Commerce or Information Technology - Computer Science
Knowledge
Minimum Knowledge Required:
- Understanding the full SAP Systems Development Project Lifecycle (SDLC)
- Best practice in SAP S4/HANA
- SAP Logistics MM, QM and PM
Ideal Knowledge Required:
- Financial/Banking Systems
- Strong knowledge of core procurement concepts and principles
- Advanced knowledge of integration points with FICO
Skills
- Communications Skills
- Interpersonal & Relationship management Skills
- Influencing Skills
- Analytical Skills
- Attention to Detail
- Problem solving skills
- Strategic Thinking Skills
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About the role:
- The Full Stack Software Engineer III is essential in a cross-functional team, handling the full software development lifecycle from concept to operation. They design, develop, test, deploy, maintain, and enhance complex software systems, ensuring scalability and performance. They also guide developers and stakeholders in resolving engineering problems.
- The Full Stack Software Engineer III develops and maintains both front-end and back-end components of web applications, ensuring optimal performance and great client experiences. They focus on enhancing new and existing products, improving current systems, and providing support.
- The Full Stack Software Engineer III will form part of a new team within our value-added services division, which offers exciting products, growth opportunities, and innovative projects beyond traditional banking services. Team members collaborate with internal teams and external vendors, creating a diverse and dynamic work environment.
Our ideal candidate has:
- Grade 12 National Certificate (Minimum)
- A relevant tertiary qualification in Information Technology (Preferred)
- 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
Tech Stack
- Java
- Spring boot
- Relational Databases (PostgreSQL preferred OR MySQL)
- JavaScript
- HTML
- CSS
- jQuery and React (Beneficial)
- Python (Nice to have)
- Linux
- AWS
Skills:
- Analytical Skills
- Attention to Detail
- Communications Skills
- Interpersonal & Relationship management Skills
- Problem solving skills
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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
Skills
- Communications Skills
- Negotiation skills
- Problem solving skills
- Analytical Skills
- Planning, organising and coordination skills
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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
Skills
- Communications Skills
- Negotiation skills
- Problem solving skills
- Analytical Skills
- Planning, organising and coordination skills
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Purpose Statement
- To manage the Business Centre in terms of driving a proactive sales and service culture that will retain and grow the Business Centre client base.
- Responsible for driving activity, planning and implementing marketing, sales, and support services strategies for the Business Centre
Experience
Minimum:
- Banking experience of at least 5 years, of which 3 years should have been spent in the Business Banking environment.
- 3 years managerial experience
- Significant experience in preparing and motivating Credit applications
- Budgeting, forecasting, cost control and sales management experience is essential.
- Accountability for managing a profitable cost 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:
- Business knowledge and acumen
- Understand interdependencies between industry knowledge, business and financial risks, Business banking product knowledge, pricing and taxation (to determine feasible operating tactics for the Centre to maximise total profit and minimise loss )
- People management principles and practices
- Financial Modelling; activity based costing, financial analysis (evaluating and identifying trends), complex cash flow cycles (industry/ sector specific)
- Principles and practices of business economics and the current business economic environment.
- Different industry sectors and sector risk profiles/ trends; this includes an understanding of the impact of climatic conditions on markets
- Managing Local Market (MLM) sales principles and practices to manage and optimise retention and growth within the Centre.
- 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 and
- 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).
- Extract and apply information to CRM (Customer relationship management) 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
Skills
- Communications Skills
- Analytical Skills
- Interpersonal & Relationship management Skills
- Negotiation skills
- Planning, organising and coordination skills
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Purpose Statement
To contribute towards the enhancement of the Business Support Centre’s customer experience and operational strategy through:
- Developing and interpreting business strategy and determining innovative solutions that will support strategy implementation
- Identifying areas of business efficiency and design, and working with relevant stakeholders to implement/improve solutions and achieve business excellence
- Identifying, enabling and maintaining strategic partnership opportunities with internal and external organisations that will enhance Capitec’s business offering
- Supporting senior management and department heads in activities related to strategy, structure and process improvement with focus on delivery and problem-solving, with the client experience in mind
- Serving as a conduit between operational and technological enablement teams within the context of the Business Support Centre (contact centre)
Experience
MINIMUM:
- Minimum of 5 - 7 years’ experience within financial services, contact centre or retail environment
- Proven experience in the development of new business cases/concepts/ideas
- Proven experience in building and managing business / partner relationships
- Proven experience in converting strategy into impactful business outcomes
- Proven experience in interacting/engaging and transferring knowledge effectively, to a wide range of Internal & external stakeholders, up to senior management level
IDEAL
- 5+ years’ experience in financial services/consulting/contact centre
Qualifications (Minimum)
- Honours Degree in Commerce or Business Management
Qualifications (Ideal or Preferred)
- Masters Degree in Business Administration
Knowledge
MINIMUM:
- Understanding of Financial Services products and services
- Commercial business knowledge
- ‘Start up’ type techniques and processes
- Applying innovative and creative concepts into a practical commercial environment
- Business research techniques and models
- Strong Excel, Word, PowerPoint and Outlook capabilities
- Basic understanding of relevant legislation
- Data and analytics
IDEAL:
- In-depth industry knowledge, specifically in relation to developments (banking of the future, as well as opportunities directly or indirectly related to banking)
Skills
- Interpersonal & Relationship management Skills
- Management skills
- Problem solving skills
- Researching skills
- Strategic Thinking Skills
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Purpose Statement
- To lead a designated functional team in Operational System Support, prioritising and overseeing work within the Business Support Center and provide subject matter expertise and actionable insights that will influence decision making and improve service delivery across BSC that are aligned with the objectives, plans, processes and standards of the Operational System Support Department.
Experience
Minimum/Ideal
- Minimum of 3 - 5 years’ experience in Quality management or a relative field in an Innovative environment.
- Minimum 3 years’ experience in leading a team in a fast-paced environment.
Function specific experience:
- Stakeholder relationship engagement and management
- Responsible for delivery in a high performing, continuous development environment
- Experience in managing large teams and complex projects
- Proficiency in Amazon Connect or related speech analytics tools
Qualifications (Minimum)
- Grade 12 National Certificate / Vocational
- A relevant qualification in Business Administration or Project Management
Qualifications (Ideal or Preferred)
- Bachelor's Degree in AWS Data Analytics Speciality or Project Management
- A relevant degree in Information Technology
Knowledge
Minimum/Ideal
- Regulatory requirements, compliance standards in an operational environment
- Basic data analytics
- People/team leadership practices and principles
- General operations management practices and principles and stakeholder and client management
- HR principles and processes.
- Client service principles and practices.
- Liaising with 3rd party providers
Skills
- Analytical Skills
- Attention to Detail
- Communications Skills
- Computer Literacy (MS Word, MS Excel, MS Outlook)
- Decision making skills
- Influencing Skills
- Interpersonal & Relationship management Skills
- Leadership Skills
- Negotiation skills
- Planning, organising and coordination skills
- Presentation Skills
- Problem solving skills
- Project Management Skills (Methodolgy Specific)
- Reporting Skills
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Purpose Statement
- To provide strategic second-line oversight of Capitec’s enterprise-wide credit risk, ensuring effective implementation and operationalisation of the Credit Risk Framework in alignment with regulatory requirements and business strategy.
- To challenge and influence first line's credit risk practices, policies, and risk appetite, while ensuring sound governance, data risk, and credit lifecycle oversight and partner with internal assurance functions such as Model Risk and Data Governance to ensure risk is measured, monitored, and reported in line with best practice
Experience
Min/Ideal:
- Minimum of 7–10 years in credit risk, with 3–5 years in a senior or oversight capacity in banking or financial services.
- Proven experience in credit policy, credit analytics, or credit risk oversight.
- Experience working in or closely with second-line risk, model risk, or internal audit functions.
- Exposure to ICAAP, Recovery Planning, or regulatory submissions.
- Familiarity with the application of RDARR principles and use of KRIs for monitoring.
- Experience in risk reporting to board and executive levels
Qualifications (Minimum)
- Bachelor's Degree in Accounting - Management Accounting
Qualifications (Ideal or Preferred)
- Honours Degree in Risk Management
Knowledge
Min/Ideal:
- Strong leadership and stakeholder engagement skills
- Excellent communication and report writing
- Working knowledge of credit lifecycle and products (unsecured, revolving credit, etc.)
- High-level understanding of IFRS 9, Basel II/III, ICAAP, Recovery Planning
- Risk appetite design and monitoring
- Stress testing and early warning indicators
- Governance, risk and control frameworks (Three Lines of Defence)
- Familiarity with data governance and model governance (non-technical oversight)
Skills
- Analytical Skills
- Attention to Detail
- Change Management Skills
- Communications Skills
- Computer Literacy (MS Word, MS Excel, MS Outlook)
- Leadership Skills
- Negotiation skills
- Numerical Reasoning skills
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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
Method of Application
Use the link(s) below to apply on company website.
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