Current Jobs at Capitec Bank

Purpose Statement

• To drive continuous improvement and develop basic business process solutions in support of Capitec Bank's vision and strategy

Experience
Minimum:

• 3 Years' analytical or business improvement type of work.
• Proven experience in data analytics, business process design, business process development or improvement, operationalisation of new business process solutions and improvements.
• Experience in Six Sigma, Lean, TOC, Business Improvement, Agile

Ideal:

• 3+ years relevant experience in processing systems, processes, procedures and support in a similar environment
• Strategic business case development
• Translating Divisional strategies and regulatory requirements into a business area target operating model 
• Management / leadership experience

Qualifications (Minimum)

• A relevant tertiary qualification in Business Analysis

Qualifications (Ideal or Preferred)

• A relevant post-graduate qualification in Business Analysis or Information Technology

Knowledge
Minimum:

• Lean way of work principles
• Business Change Life Cycle and change management principles  
• System Development Life Cycle
• Project Management Lifecycle                                               
• Agile Way of Working Practices   
• Quality Management 
• Risk & Issue Management 
• BABOK, SOA,TOGAF, ARCHIMATE
• Developing a business case
• Client experience / client journey mapping  

Ideal:

• Banking processes and procedures
• Banking systems: Banking System, SBL, Horizon, STrack, Postilion, etc.
• In-depth knowledge of Capitec Products
• Data and trend analysis 

Skills

• Analytical Skills
• Communications Skills
• Computer Literacy (MS Word, MS Excel, MS Outlook)
• Facilitation Skills
• Interpersonal & Relationship management Skills
• Presentation Skills
• Problem solving skills

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Purpose Statement

• To enable software quality assurance by creating a set of activities and scenarios, manual or automated, ensuring that developed software meets and complies with the defined or standardised quality specifications within the Software Development Life Cycle (SDLC).
• To collaborate with the Business Analysts (and/or members of the Feature Team) to define test scenarios, and prepare, participate in, and oversee the execution of test cases within a feature team, the validation of functional and non-functional test requirements, the preparation of test data in terms of input and expected outcome data, and required test environments.

Education (Minimum)

• Grade 12 National Certificate / Vocational
• A relevant tertiary qualification in Software Testing or Information Technology

Education (Ideal or Preferred)

• National Diploma in Information Technology

Knowledge and Experience
Minimum:

• Understand the end-to-end processes being tested to achieve successful testing
• Knowledge of and exposure to impact analysis when introducing software changes 
• Understand the full Systems Development Lifecycle (SDLC)
• Best practice / industry standard in software and hardware testing, reporting, tracking and follow up, and Software Quality Assurance (SQA)
• 2-3 years’ experience in Quality Assurance (QA) testing within a business context

Ideal:

• Knowledge of Capitec’s Way of Work (WoW) during projects
• Experience in continuous delivery environment
• Application of test tools
• Test Automation
• Financial/Banking Systems
• Reinforce with stakeholders/feature team appropriate testing environments and timelines
• SQL Query/Fundamentals

Skills

• Analytical Skills
• Communications Skills
• Interpersonal & Relationship management Skills
• Problem solving skills
• Numerical Reasoning skills

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Purpose Statement

• To optimise business efficiencies made possible by automation, digital, information and communications technologies (not limited to technologies) through systematically analysing and defining business requirements and functional specifications
• To develop and design solutions and ensure effectiveness of implementation as well as continuous improvement for business and/or existing applications solutions by collaborating with and acting as conduit between stakeholders from the business, Risk, Technology and the product team
• The incumbent has no direct or indirect reports

Key Performance Areas

• Define and analyse business and functional requirements.
• Collaborate to design and optimise solutions.
• Support solution implementation.

Key Tasks and Accountabilities:
Define and analyse business and functional requirements.

• Proactively iIdentify business opportunities, needs, requirements, constraints and business problems of current systems or processes.
• Conduct systematic analysis to define business requirement.
• Perform end-to-end analysis of business area/application.
• Validate and ensure information integrity/requirement gathering via resources and research for documentation of information (data).
• Analyse and interpret information relevant to the business need or initiative in order to provide insights and recommend solutions and/or actions. 
• Perform story analysis to determine conditions of satisfaction and to understand the impact to other systems, projects, domains, and operational teams.
• Ensure features address client needs and achieve expected business outcome.
• Clearly document the business and functional requirement.
• Implement reporting and dashboards to manage product performance.

Collaborate to design solutions.

• Collaborate with stakeholders to identify and analyse business need and develop appropriate solutions.
• Partner with the Business Owner (or relevant stakeholders) to understand the vision, creating the business value and managing client expectations. 
• Build and apply end-user knowledge to create solutions that deliver to stakeholder requirements.
• Facilitate high-level and detailed planning and design sessions.
• Communicate and present findings to stakeholders including divisional sponsor panel, management and EXCO.
• Act as conduit between business and technical stakeholders and product team for effective communication and implementation.
• Work within a product team (Architects, Developers, systems analysts, software test analysts, etc.) on allocated and prioritised projects or initiatives with planned time frames.
• Present solutions and contribute to or facilitate the decision-making. 
• Apply appropriate tools and techniques for elicitation, analysis, collaboration, solution design, presentation and measurement.

Support solution implementation.

• Project involvement as contributing team member in stand-ups, backlog grooming, work planning and prioritisation, and status updates of current support incidents. 
• As part of a Product team, actively participating in creating and/or refining of user stories, ceremonies and release planning.
• Ensure solution delivery is according to business requirements.
• Coordinate go-live activities with business stakeholders through continuous interface and liaison between technical product team members and business users.
• Identify, communicate and manage upstream and downstream dependencies.
• Coordinate reporting on initiative and project status updates to relevant stakeholders.
• Coordinate formal communication to stakeholders on business solutions.
• Coach Product Team members on proper slicing of User Stories/Product Backlog Items.
• Identify and resolve and/or escalate roadblocks, issues, and conflicts in a timely fashion.
• Participate in identifying test scenarios and test strategies, and assist with testing.
• Develop and share best practices with team members.
• Develop success metrics ensuring delivery to meet client expectations as well as conduct post implementation evaluation.
• Build and develop business relationships vital to the success of the team, department and company.
• Coach, motivate team members and influence positive action and accountability.

Level III Descriptors:
Autonomy and decision making

• Works under broad direction. Work is often self-initiated. Is fully responsible for meeting allocated technical and/or team objectives. Makes decisions regarding the best routines, tools, methods and processes to be used in a variety of situations, which impact the success of technical, project or team objectives. Establishes milestones and has a significant role in the assignment of tasks and/or responsibilities.

Influence and Stakeholder Engagement

• Influences internal stakeholders, clients, suppliers, partners and peers on the contribution of own specialism towards achievement of business objectives. Has significant influence over the allocation and management of resources appropriate to given assignments. Leads collaboration within and across teams and ensures stakeholder/client needs are met consistently through each work stage. Facilitates collaboration between stakeholders who have diverse objectives.

Job Scope and Complexity

• Performs an extensive range and variety of complex technical and/or professional work activities in a wide and often unpredictable range of contexts. Engages across areas to resolve complex issues as they relate to stakeholder/client requirements and area of specialisation. Applies and encourages the use of deductive and inductive thinking to generate 'out of the box' solutions or turn identified problems into opportunities.

Technical/Specialist Leadership and Oversight

• Is responsible to advise on the continuous development and improvement of standards, methods, tools, applications and processes relevant to group specialism(s) and can support others to make appropriate choices from the alternatives. Responsible for the development of the specialisation through facilitation of knowledge sharing across teams. Responsible for technical oversight of other's work and acts as a coach or mentor within specialisation.

Education (Ideal or Preferred)

• Masters Degree in Business Administration

Knowledge and Experience
Minimum:

• 7+ years working experience as a BA in a wide variety of situations, contexts and complexities.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)

Ideal: 

• Banking Industry Knowledge
• Knowledge of Business Banking and Transactional Products

Skills

• Analytical Skills
• Interpersonal & Relationship management Skills
• Communications Skills
• Facilitation Skills
• Negotiation skills
• Planning, organising and coordination skills

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About The Role

• To lead the strategy, design, and delivery of digitised, streamlined, and automated scored credit solutions within Business Banking. This includes NCA and non‑NCA lending propositions, as well as term loans and (ideally) business credit card products. The Product Manager is accountable for building digital-first credit experiences that leverage scorecards, automated decisioning, and efficient credit workflows to improve speed, accuracy, affordability assessment, and client experience. The role owns the full product lifecycle from inception to launch and continuous optimisation.

Minimum Education

• Bachelor’s Degree in Business, Finance, Engineering, Technology, or related field.

Education (deal or Preferred)

•  Honours Degree in Business, Finance, Risk, or Product disciplines.
• Certifications in Product Management, Credit, Analytics, or Agile.

Knowledge and Experience
Minimum Experience:

• 5+ years in product management or product development, with at least 5 years in credit products in banking.
• Proven experience delivering digitised scored credit solutions, including automated decisioning, digital credit journeys, STP, and scorecard integration.
• Understanding of NCA and non‑NCA requirements and how they apply to digital lending flows.
• Experience in term loan product design, pricing, risk, and credit lifecycle.
• Experience collaborating with data science, risk, engineering, and operations to automate steps in the value chain.
• Delivery of streamlined, automated credit onboarding and servicing processes.
• Ability to convert manual lending processes into digitally enabled workflows.
• Exposure to business credit card products (advantageous).
• Proven track record in end-to-end product delivery.

Knowledge:

• Scored credit methodologies, risk-based pricing, decline strategies, and portfolio monitoring.
• Credit value chain design for scored lending.
• Understanding of Credit policy
• Understanding of digital platforms, APIs, scoring engines, and origination systems.
• Agile product ownership

Ideal Experience:

• Delivery of automated scoring strategies for SMEs.
• Implementation of STP lending flows.
• Digitisation of data capture, verification, affordability checks, limit assignment, and approvals.
• Migration from manual to digital operating models.

Skills

• Analytical Skills
• Attention to Detail
• Commercial Thinking Skills
• Communications Skills
• Interpersonal & Relationship management Skills

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About The Role

• To design, deploy and maintain resilient, scalable, cost effective and high performing cloud native solutions that will assist Capitec to become the best bank in the world. We are seeking a highly motivated and experienced Level 3 SAP BTP Engineer to join our core innovation and platform team. The successful candidate will be a subject matter expert in developing, deploying, and managing cloud-native extensions and integrations on the SAP Business Technology Platform. This role is crucial for enabling our intelligent enterprise strategy by leveraging BTP services to enhance our SAP landscape and integrate with external systems. 

Knowledge and Experience

• Minimum 4 years of hands-on experience on SAP BTP (or SAP Cloud Platform)

Experience to include:

• Proven experience with CPI, including setting up iFlows, handling complex mappings, and managing security.
• Implementation of advanced integration scenarios using SAP Integration Suite (specifically Cloud Integration/CPI, Open Connectors, Event Mesh and API Management) to connect SAP landscapes (S/4HANA, SuccessFactors) with external cloud and on-premise systems.
• Experience with both Cloud Foundry and Kyma Runtime environments, including service provisioning and application deployment.
• Practical experience with DevOps tools and methodologies, including CI/CD implementation for BTP applications.
• Implementation of Authentication and Authorization technologies and protocols (LDAP, Kerberos, AD, OAuth 2.0, OpenID Connect, SAML), utilizing the SAP Identity Authentication Service (IAS) and SAP Identity Provisioning Service (IPS).
• Experience working in a fast paced Agile/Scrum environment.

Experience with the following is advantageous:

• SAP UI5 development and Fiori extensibility.
• SAP Build Process Automation (RPA and Workflow).
• Strong familiarity with the architecture and components of SAP Business Data Cloud (BDC), including SAP Datasphere.
• Familiarity with SAP Joule, AI Core, and AI Foundation services on BTP for building and consuming AI capabilities.

Education (Minimum)

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

Education (Ideal or Preffered)

• SAP Certified – SAP BTP Administrator;
• SAP Certified Associate – Integration Developer; or
• SAP Certified – Solution Architect - SAP BTP.

Skills

• Analytical Skills
• Communications Skills
• Interpersonal & Relationship management Skills
• Planning, organising and coordination skills
• Problem solving skills

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Purpose Statement

• To manage clients (many-to-many basis) by providing excellent client service which aims to retain and optimise client value whilst attracting new clients to ensure future client growth.

Experience
Minimum:

• 2 years plus previous experience within Business Banking environment 

Ideal:

• Sales, features, benefits and value propositions of products & services 
• Administration of processes and procedures pertaining to Business Banking transactions
• Client Service experience 

Qualifications (Minimum)

• Grade 12 National Certificate / Vocational in Grade 12 National Certificate

Qualifications (Ideal or Preferred)

• Diploma in Accounting - Financial Accounting or Business Management

Knowledge
Minimum:
Knowledge and understanding of:

• Business banking environment including features, benefits and value propositions of products & services
• General banking practices and procedures. 
• Credit principles and practices, including an understanding of credit application, securities and balance sheet requirements. 
• The Financial Advisory and Intermediary Services Act (FAIS) and the Financial Intelligence Centre Act (FICA). 
• Administration processes and procedures pertaining to Business Banking transactions.
• Client relationship management and service principles.

Ideal:
Knowledge and understanding of:

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

Skills

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

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Purpose Statement

• To provide technical expertise, designs and innovative solutions, overseeing and supporting the Technical and Engineering team for optimal implementation and execution across multiple areas of the business, which will reduce risk exposure and increase the uptime of services.
• To explore solutions that support improvement in the business-as-usual functions of the bank and monitor and maintain solutions to ensure maximum return on investments.

Experience

• 10+ years of experience in the built environment with relevant experience in processing systems, processes, procedures and support in a similar environment, with 5 years in a supervisory or technical advisory capacity.
• Proven experience in data analytics, root cause analysis as well as solution design and implementation
• Hands-on experience supporting capital projects such as property upgrades, infrastructure installations, or building enhancements.
• Exposure to managing project teams or coordinating with external consultants and contractors.
• Experience translating technical requirements into project plans and operational deliverables.
• Experience in supporting the design, maintenance, or upgrade of commercial office buildings.
• Cross functional collaboration across departments to achieve project goals.
• Exposure to multi-disciplinary engineering environments (e.g., civil, electrical, mechanical).
• Experience in building layout design, system testing, and implementation support.
• Investigating and resolving building-related issues, including security and environmental concerns.
• Experience conducting technical reviews of building systems such as HVAC, energy plants and air-conditioning units.
• Ideal:
• 5+ years of relevant experience in engineering within the built environment.
• 5+ years of relevant experience in engineering and project management in construction projects, including project managing development and implementation of large corporate office developments.
• Experience in data visualisation and trend analysis
• Experience in project costing, construction and budgeting

Qualifications (Minimum)

• Grade 12 National Certificate / Vocational
• Bachelor's Degree in Engineering - Civil or Project Management Certification (i.e. Prince 2, Agile, DSDM, Atern)

Qualifications (Ideal or Preferred)

• Masters Degree in Engineering - Civil or Business Administration

Knowledge

• Solid understanding of engineering principles and infrastructure development standards.
• Basic knowledge of financial and regulatory frameworks relevant to infrastructure projects.
• Familiarity with sustainability practices, energy efficiency technologies and green building principles.
• Working knowledge of risk identification and mitigation in engineering or infrastructure projects.
• Familiarity with municipal and national building codes, environmental and safety regulations.
• Understanding of cost estimation, budgeting and basic ROI analysis for engineering projects.
• Awareness of security systems and infrastructure relevant to corporate environments.
• Awareness of emerging technologies in sustainability, building systems and security infrastructure.
• Working knowledge of property acquisition processes and technical due diligence.
• Understanding of departmental planning processes and performance tracking.
• People management fundamentals: team coordination, performance monitoring, and development planning.
• Governance and compliance principles relevant to engineering and infrastructure.
• General understanding of business operations, systems and support functions.
• IT literacy, including data analysis tools and project management software.
• Knowledge of quality assurance principles and practices.
• Familiarity with project management methodologies and tools.

Ideal:

• Data and trend analysis
• General knowledge of construction, power, networks, hardware and software
• SAP or related Enterprise Management Systems (procurement)

Skills

• Commercial Thinking Skills
• Communications Skills
• Complaint Management skills
• Decision making skills
• Management skills
• Project Management Skills (Methodolgy Specific)