Current Jobs at Capitec Bank

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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Purpose Statement

• To be responsible for the tactical, operational, day to day management of the website marketing function, ensuring alignment with broader departmental goals and business objectives; planning, team leadership and quality assurance, while overseeing the delivery and direction, governance, and performance of Capitec’s Group websites.
• To interpret the department business plan and drive website marketing innovation, operational excellence and alignment with Capitec’s brand and digital engagement strategy.

Qualifications (Minimum)  

• A relevant degree in Bachelor's Degree in Digital Marketing,  Social Science or Project Management  

Qualifications (Advantageous)  

• Ideally: A postgraduate qualification in Business Management, Leadership, or Strategic Communications is advantageous, and/or certifications in project management (e.g., PMP, Agile)

Knowledge and Experience
Experience:

• 7+yrs  experience in a digital environment, with at least 3 years experience of leading or managing people and preferably within a corporate or agency environment, including:
• Proven experience in leading creative teams and managing complex website projects.
• Website development, maintenance and communications 
• Content Management System experience  
• Website analysis / search engine optimisation 
• Various technology infrastructures (CSS, Firewalls, IDS/IPS, Web-Proxy.) 
• Digital marketing platforms and technologies and how content is created and distributed on these channels. 
• Demonstrated success in developing and implementing departmental strategies and standards.
• Experience working with cross-functional teams in marketing, communications, and design.
• Track record of continuous improvement, innovation, and staying current with industry trends.
• Translating business needs into departmental goals and actionable plans.

Ideal:

• Experience gained in a banking/financial services environment
• Track record of continuous improvement, innovation, and staying current with industry trends.
• Translating business needs into departmental goals and actionable plans.

Knowledge:

• Operational management practices and principles
• People management  practices and principles
• Understanding of writing, designing, editing, proofing in respect of websites 
• Website maintenance | Installing website updates and bug fixes 
• Content management system experience 
• Communications practices and principles 
• Basic understanding of programming languages 
• Stakeholder engagement methods 
• Digital communication tools, practices, principles and methods 
• Search Engine Optimization | Google Analytics 
• User experience principles and approaches 
• Website risk, compliance and security management 
• Content marketing 
• Project management - managing timelines, resources, and budgets across multiple projects.
• Knowledge of departmental planning, budgeting, and performance management.
• Awareness of legal and compliance standards related to website marketing (e.g., copyright, usage rights).
• Visual storytelling, brand alignment and audience engagement.

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About the role: 

• We are looking for an Analytics Engineer to join our Payments Data team. This role sits at the intersection of data engineering and analytics, enabling high-quality, reliable data solutions that support electronic payments across retail and business banking. 
• Although newly titled, this role builds on the foundation of the previous Product Data Engineer function, with an increased focus on seniority, ownership, and technical depth. The successful candidate will work within a small, collaborative team responsible for managing and optimising payments data across EFT, DebiCheck, immediate payments, PayShap, and international payments. 
• You will partner closely with analysts, data warehouse specialists, and broader payments and card data teams, contributing to scalable data models and robust data pipelines in a cloud-based environment. 
• This is a replacement role within an established but growing team, offering strong exposure to enterprise-scale data environments and meaningful business impact

Our Ideal Candidate Has:

• We are looking for a technically strong and commercially aware data professional who thrives in a collaborative, corporate environment. 

The ideal candidate will have: 

• 5–7 years of relevant experience in data engineering, analytics engineering, or business intelligence 
• Advanced SQL skills (non-negotiable) 
• Working knowledge of Python 
• Experience working with cloud platforms such as AWS, Snowflake, Google Cloud, or Databricks 
• Exposure to large-scale data warehouse environments 
• Experience in retail, fintech, or payments (payments experience advantageous but not essential) 
• The ability to work cross-functionally with analysts and engineering teams 
• Strong problem-solving skills and attention to data quality and structure 
• While our internal title is Analytics Engineer, candidates currently titled Data Engineer or BI Developer are highly encouraged to apply.

Experience

• Length of experience required is conditional on the qualifications obtained but must include
• Experience in analytics engineering or related roles.
• Proven track record of delivering scalable data solutions and leading projects.
• Experience with CI/CD, testing frameworks, and orchestration tools (e.g., Airflow).
• Experience with productionising reports using engineering principals.

Qualifications (Minimum)

• Bachelor's Degree in Analytical/Data/Technical or Other

Qualifications (Ideal or Preferred)

• Honours Degree in Analytical/Data/Technical or Engineering - Other

Knowledge

Advanced grasp of:

• Data modelling best practices.
• Data governance and quality assurance.
• Cloud data platforms and orchestration tools (e.g., Airflow, Prefect).
• Understanding of software engineering principles (e.g., CI/CD, testing).

Skills

• Analytical Skills
• Communications Skills
• Planning, organising and coordination skills
• Problem solving skills
• Reporting 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

Additional Information

• Clear criminal and credit record

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Purpose Statement

• The successful incumbent will be expected to maximise recoveries from External Debt Collectors (EDCs) by the monitoring, reporting and co-ordination of an allocated group (5 – 6) of EDCs.
•  Acting as liason between Capitec and external Debt Collectors as well as consulting with Legal Advisors. 
• This role require successful administration function and efficient query resolution to clients and third parties. 

Experience
Minimum/Ideal:

• 2 years’ experience in collections & recovery background

Qualifications (Minimum)

• Grade 12 National Certificate / Vocational

Qualifications (Ideal or Preferred)
Knowledge
Minimum/Ideal:

• General awareness and understanding of the basic service/contact centre skills and knowledge
• General office and information systems 
• Client service principles

Skills

• Administration Skills
• Attention to Detail
• Communications Skills
• Computer Literacy (MS Word, MS Excel, MS Outlook)
• Problem solving skills

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Purpose Statement

• To provide a proactive business banking sales and service management function that will retain and grow a portfolio of business clients by identifying and implementing value adding and specialised business banking financial products solutions from a range of standard and/or customized offerings.

Experience
Minimum:

• Banking experience of at least 5 years, of which 3 years should have been spent in the Business Banking environment.
• Experience of managing a complex portfolio of business customers with a service and financial analysis focus.
• Significant experience in preparing and motivating Credit applications 
• Cost control and sales management 

Ideal:

• 1-2 years managerial /leadership experience
• 1-2 years managing a small business 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:

• Principles and practices of business economics and the current business economic environment. 
• Customer relationship management (CRM) principles and techniques
• Different industry sectors and sector risk profiles/ trends; this includes an understanding of the impact of climatic conditions on the agricultural market (if there are agric clients in the portfolio). 
• Local market (LM) sales principles and practices to manage and 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). 
• Able to extract, analyse and apply CRM insights to influence the client management approach and 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
• Financial Modelling; activity based costing, financial analysis (evaluating and identifying trends), complex cash flow cycles (industry/ sector specific)

Skills

• Interpersonal & Relationship management Skills
• Analytical Skills
• Negotiation skills
• Problem solving skills
• Computer Literacy (MS Word, MS Excel, MS Outlook)
• Commercial Thinking Skills
• Strategic Thinking Skills
• Communications Skills
• Influencing Skills
• Attention to Detail
• Decision making skills

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Purpose Statement

• To manage the Capitec Direct department to achieve growth in market share and profitability for Capitec’s online sales, supporting the omni channel sales strategy and building and implementing resources, systems, policies, practices, methods and measures that will effectively drive the delivery of the sales strategy.

Experience

• 5+ yrs management experience within an online/direct sales with a focus on  omni channel sales. Proven record of delivering results in a fast paced, dynamic, results driven environment with frequent change.
• Experience in a banking, retail, e-commerce or consumer goods industry.
• Financial services management experience preferable in a retail environment. 

Qualifications (Minimum)

• Bachelor's Degree in Business Management or Finance

Knowledge
Knowledge of:

• Working collaboratively with cross-functional teams that focus on the end-to-end client experience within a sales environment. 
• Sales analytics tools, CRM systems and technologies. 
• How to leverage data, technology and client insights to drive growth and enhance client experience
• Commercial and business drivers of a financial services / retail environment
• People management and development practices
• Sales and contact centre knowledge 
• Client experience principles and practices
• Operational data analytics and digitization of data
• Understanding of how omni channel sales and services work

Skills

• Analytical Skills
• Communications Skills
• Negotiation skills
• Problem solving skills
• Decision making skills
• Commercial Thinking Skills
• Strategic Thinking Skills
• Interpersonal & Relationship management Skills
• Leadership Skills
• Management skills
• Influencing Skills

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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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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

Knowledge

• N/A

Skills

• Communications Skills
• Presentation Skills
• Reporting Skills

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Purpose Statement

• To be responsible for the institution and management of legal process to ensure the optimal realisation of various collateral types held across all product offerings in Business Bank in respect of the non-performing loan portfolio in order to maximise recoveries and impairment releases and to minimise recovery costs and impairment raises.
• To manage people (customers, colleagues and external service providers), portfolios and processes so as to reduce the non-performing loan ratio in line with industry norms.

Experience
Minimum:

• At least 3 years’ post-admission experience in civil and/or commercial litigation practice 
• 4 years’ experience in a banking environment comprising of at least 2 years at a managerial level and 2 years in a Collections / Recoveries space

Ideal:

• Management experience in Capitec Bank.
• Experience in the same or a similar industry

Qualifications (Minimum)

• Bachelor's Degree in Law or Architectural Technology

Qualifications (Ideal or Preferred)

• A relevant post-graduate qualification in Commerce or Economic and Management Sciences

Knowledge
Minimum:

• Insolvency legislation and processes 
• Credit and corporate legislation and processes
• Banking and financial services industry
• Debt recovery processes 
• Collateral variants / types 
• Commercial, business and financial principles and practices 
• Governance and risk management principles
• Business products, processes, policies and systems
• Fundamental IT systems and data analysis
• Quality principles and practice
• Stakeholder management principles

Skills

• Analytical Skills
• Interpersonal & Relationship management Skills
• Problem solving skills
• Computer Literacy (MS Word, MS Excel, MS Outlook)
• Attention to Detail
• Management skills
• Leadership Skills
• Negotiation skills

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About the role:

• We are seeking a skilled Full Stack Developer (level 2) to join our team supporting all client-facing applications in bank branches (excluding cash and branch systems). You will work on a hybrid tech stack, including C#, Java, AWS, and web technologies, with a focus on modernizing and supporting branch systems such as biometric, queuing, monitoring, and paperless solutions.

Key Responsibilities:

• Develop, maintain, and support branch-facing applications and systems.
• Collaborate daily with team members and other teams to deliver on project goals.
• Participate in meetings, ceremonies, and handle production issues as needed.
• Work from a prioritized book of work, ensuring high-quality service delivery.

Min Experience:

• 3–4 years of experience in software development.
• Strong experience with C#
• AWS (Cloud Practitioner)
• Exposure to Java and web technologies
• Full stack development skills preferred; backend-focused candidates with strong experience will be considered.

Qualifications

• Grade 12
• Relevant IT Qualification

Skills

• Analytical Skills
• Attention to Detail
• Communications Skills
• Interpersonal & Relationship management Skills
• Problem solving skills

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About The Role

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

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

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

Build and Embed Functional Skills Academies

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

Elevate Compliance Learning to Drive Behavioural Impact

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

Partner Strategically with HR Business Partners & Leaders

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

Design Bespoke, Business-Driven Learning Solutions

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

Enable a Skills-Based, AI-Driven Learning Ecosystem

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

Leading Learning Teams

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

Enterprise Leadership & Transformation

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

 Change Management

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

Onboarding & Foundations

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

Budget Ownership

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

What We Are Looking For

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

What Success Looks Like

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

Qualifications

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

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Purpose Statement

• To 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 contribute towards the enhancement of business and strategic capability through: 
• Participating in the interpretation of business strategy and support the design and development of innovative solutions supporting strategy implementation
• To analyse areas of business efficiency and design and implement solutions to achieve business excellence
• To support the identification and maintenance of strategic partnership opportunities with external organisations (through research and analysis) that will enhance Capitec’ business offering 
• To support the division/department and Executives with strategic focus, work delivery and problem-solving

Qualifications (Minimum)

• Honours Degree in Commerce or Business Management

Qualifications (Ideal or Preferred)

• Qualified Chartered Accountant (CA)

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
• 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)
• Knowledge of advanced financial modelling skills and methods

Skills

• Analytical Skills
• Business writing skills
• Computer Literacy (MS Word, MS Excel, MS Outlook)
• Presentation Skills
• Researching skills