Current Jobs at Capitec Bank

Purpose Statement

• To ensure the efficient, compliant, and compassionate administration of deceased estates by managing the end‑to‑end estate process in line with legislative requirements, company policy, and service standards, while supporting executors, beneficiaries, and internal stakeholders during a sensitive time.

Experience

Minimum/Ideal:

• 2-3 years’ experience in deceased estates, laiasing with Executors, beneficiaries and the Master of the High Court
• Client service experience and/or function relevant experience

Qualifications (Minimum)

• Grade 12 National Certificate / Vocational

Qualifications (Ideal or Preferred)

• Certification in Law
• Bachelor's Degree in Labour Law

Knowledge

Minimum/Ideal:

• Comprehensive understanding of client interaction and relationship management practices and principles
• Understanding of client management  information, systems and tools. 
• Understanding of conflict management principles

Skills

• Analytical Skills
• Attention to Detail
• Change Management Skills
• Interpersonal & Relationship management Skills
• Problem solving skills
• Project Management Skills (Methodolgy Specific)

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Purpose Statement

• Under the guidance of the respective investigations manager, investigate instances of risk related to various types of fraud incidents across Capitec (e.g. claims fraud for Capitec Insurance. This will include internal fraud, serious breach of policies and procedures, and criminal syndicates). Investigate the matter, the parties involved and provide appropriate evidence for disciplinary hearings and/or criminal proceedings. Identify control weaknesses and recommend preventative measures, improvements, and training initiatives against potential fraud.

Experience
Min:

• 3 plus years’ experience as a Forensic Investigator/Auditor 

Ideal: 

• Proven experience as a Forensic Investigator/Auditor in the Financial Services Sector
• Proven experience in conducting insurance fraud investigations, including identifying, analysing and mitigating fraudulent claims.
• Background in funeral investigations or related qualifications (e.g., CFE, criminology, forensic law and Auditing, etc)
• Strong reporting and communication skills.

Qualifications (Minimum)

• A relevant tertiary qualification in Forensics

Knowledge
Min:

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

Ideal: 

• Fraud and misrepresentation in the insurance industry

Key Performance Areas
Investigation of all fraudulent activities

• Perform investigations identified or referred to the team from the claims or other departments from within Capitec Insurance.
• Plan the investigations and set specific objectives, including:
• Detail the modus operandi
• Gather comprehensive information and store it appropriately
• Stop, quantify and recover the losses where possible.
• Identify internal and external perpetrators and make recommendations for action against guiltyparties.
• Recommend corrective action on control weaknesses.
• Draft a detailed Forensic Report for findings and recommendations.
• If applicable, initiate a criminal case and work with Law Enforcement to drive investigation.
• Adhere to SLAs for appropriate action plan.

Implement fraud/theft preventative Measures

• Reporting

External:

• Collaborate with Compliance and Risk Management to ensure that reporting is performed to regulatorybodies and law enforcement agencies and provide support as required including opening cases,providing written statements, documentation and affidavits where required.
• Liaise with and report to various industry bodies to share insights and information.

Internal and within the Group:

• On-going verbal and email reports to line management regarding activity.
• Provide input into reports for Insurance Exco on an ongoing basis providing:
• An overview of fraudulent activity and actions.
• Recommended changes to policy and process.
• “Return On Investment” (Savings due to fraud prevention).
• Internal information sharing/feedback regarding findings on identified fraud cases or enquiries orgeneral trends.

 Enquiries and ad hoc responsibilities
Skills

• Analytical Skills
• Communications Skills
• Computer Literacy (MS Word, MS Excel, MS Outlook)
• Decision making skills
• Interpersonal & Relationship management Skills
• Negotiation skills
• Presentation Skills
• Reporting Skills
   

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• We’re growing how we deliver digital banking experiences, and we need a Software Engineer who can help us build and run solutions end to end. In this role, we work across the full software lifecycle – from idea to live product – creating reliable, scalable applications that serve real client needs and open up new opportunities through embedded finance.

What you’ll do

• Design, build and deliver full‑stack solutions that are stable, scalable and easy to maintain
• Translate business needs into working software and contribute to solution design and problem solving
• Own the quality of your work by testing, deploying and supporting applications in production
• Collaborate with a cross‑functional team to continuously improve how we build and run our products
• Contribute to modern, API‑driven platforms that enable secure data sharing and new partner integrations

Why this role is different

• We own our products end to end – from idea to production and beyond
• We work on emerging capabilities in open and embedded finance
• We operate in a small team where your work is visible and valued
• We give you space to take ownership, make decisions and grow into more senior roles
• We balance strong engineering practices with a culture that values curiosity, initiative and collaboration

What we’re looking for

• Proven experience in full‑stack software development (around 3+ years)
• Strong skills in JavaScript, including Node.js, with exposure to modern front‑end frameworks
• Experience building and integrating APIs and working with databases
• Understanding of cloud platforms- AWS is a non-negotiable, modern architectures and containerised deployments
• Solid grounding in software design, testing and version control practices
• Ability to work across the full development lifecycle, from design to production support
• Strong problem‑solving, communication and collaboration skills
• A self‑starter mindset with the drive to learn, contribute and grow

Education (Minimum)

• Grade 12 National Certificate / Vocational

Education (Ideal or Preferred)

• A relevant tertiary qualification in Information Technology

Conditions of employment

• Clear criminal and credit record
• Based in Stellenbosch or willing to relocate
• Preference will be given in line with our employment equity goals

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About the role

• We're hiring a Data Engineer I — someone who'll join fast-moving team that built our enterprise data lake from the ground up and now owns the full stack: data lake, data warehouse and the platform that keeps it all running. We're looking for someone energetic and self-motivated someone who can manage their own tasks, ask good questions and build real confidence quickly in a team that trusts you to do exactly that. This isn't a role where work gets handed to you. You own your progress here.

What you'll do

• Contribute to the design and development of new data applications and systems that meet the requirements of our Data and Analytics environment2
• Analyse business and system requirements to better understand what the data environment needs3 — and help build solutions that address them
• Work with architects to contribute to solution design documentation for new and existing data products and systems4
• Write and maintain ETL processes across our data lake and data warehouse
• Apply Agile practices, testing standards and data governance principles to everything you build
• Get exposure to AI tooling development — including MCPs, proxies and operational models — as your skills grow

Education (Minimum)

• A relevant tertiary qualification in Information Technology or Data Analysis

Knowledge and Experience
Knowledge:

Minimum:

Must have detailed knowledge of:

• IT systems development processes (SDLC)
• Application development
• ETL processes
• Rational database system and cloud data warehousing 
• Dimensional modelling
• Standards and governance
• Agile development life cycle
• Testing practices

Ideal:

Knowledge of:

• Data analysis and design
• Data architecture (technical design and implementation processes)
• DPLC
• Solid understanding of:
• Banking systems environment
• Banking business model
• Best practices for Quality Assurance (QA)

Experience:

Minimum:

• A relevant tertiary qualification in Information Technology or Data Analysis5
• At least 2 years of solid Python experience — this is the core technical requirement for the role
• Foundational SQL knowledge
• Exposure to AWS — or another cloud platform such as Azure or Google Cloud Platform
• Proven experience with SQL Server and/or business intelligence tools (SSIS, SSRS or SSAS), data warehousing and the data management lifecycle5
• An understanding of IT systems development processes (SDLC), ETL, relational databases, cloud data warehousing and Agile methodologi
• Proven experience with SQL Server and/or business intelligence tools (SSIS, SSRS or SSAS), data warehousing and the data management lifecycle5

Ideal:

Proven experience in:

• Python and/or Open Source development tools 
• Visualisation Technologies: MS PowerBI, AWS QuickSight
• Cloud Environment 
• Experience working in an AWS environment as well as with AWS Technologies

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Purpose Statement

• To manage and lead a team of credit intelligence analysts and specialists within the Credit client account management function to co-create the bank’s credit strategy.
• Pro-actively manage credit risk and optimise performance of the various strategies with the development of predictive models, policy rules, and intervention strategies.
• Ensure the quality delivery of advanced statistical insights and application thereof to influence credit decision making.

Experience
Min:

• 6 - 8 years’ experience in retail credit (including advanced analytics, statistical modelling, as well as policy and process enhancement).
• In case of Honours degree: 5 - 7 years’ experience in retail credit analysis (including SQL programming and descriptive analytics). 
• Minimum of 3 years Portfolio specific experience.
• Experience working with / contributing towards credit principles, policies, frameworks.

Ideal: 

• 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
NA

Skills

• Communications Skills
• Influencing Skills
• Leadership Skills
• Planning, organising and coordination skills
• Presentation Skills
• Project Management Skills (Methodolgy Specific)
• Reporting Skills
• Researching skills

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Purpose Statement

• To interpret the department business plan and be responsible for the day-to-day management of a designated function and team to deliver the objectives and goals, embed appropriate processes, practices, standards and delivery maintained high quality client service.

Experience:

• 5+yrs in a banking/fintech environment with at least 3 yrs experience in the designated function and overseeing delivery of client service and experience teams.
• Driving delivery and effective client service in a fast moving, regulated environment.
• Stakeholder management

Operational leadership and management.

• In the case of International Payments & Interbank Operations:
• International payments operations | Interbank processing[MD2.1] and banking operations | Reconciliations and financial control | Payment investigations and query handling | Interbank matching processes

Qualifications (Minimum)

• A relevant tertiary qualification in Finance or Banking

Qualifications (Ideal or Preferred)

• Bachelor's Degree in Finance or Banking

Knowledge

• International payments operations | Interbank processing[MD2.1] and banking operations | Reconciliations and financial control | Payment investigations and query handling | Interbank matching processes

Knowledge:

• Banking systems and payment platforms
• General, operational management practices and principles
• People management practices and principles

Function specific knowledge:

In the case of International Payments & Interbank Operations:

• SA Reserve Bank Exchange Control Regulations | SWIFT standards and payment cutoff times | FX payments, clearing systems, and pricing concepts | Nostro accounts and correspondent banking | AML, sanctions, and regulatory frameworks

Skills

• Analytical Skills
• Communications Skills
• Decision making skills
• Leadership Skills
• Management skills
• Planning, organising and coordination skills

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• As part of an exciting partnership with the Department of Home Affairs (DHA), we’re reimagining how millions of South Africans access essential services. To make this a reality, we’re looking for a Business Process Engineer who can help take ideas and turn them into real, working solutions across our ecosystem.

What will you do?

• Translate high-level product initiatives into practical, end-to-end solutions
• Design and optimise business processes across multiple touchpoints (digital, branch, operations)
• Work closely with Product, Tech, Data, and Operations teams to bring solutions to life
• Drive integration of new capabilities into existing systems and workflows
• Analyse and track business impact (e.g. adoption, performance, operational impact)
• Ensure requirements are clearly structured and actionable for delivery teams
• Support the rollout of new services and continuously improve how they operate

What we are looking for

• 4–7 years’ experience in Business Process Engineering / Process Improvement / Continuous Improvement
• Proven experience working in digital, product, or system-driven environments
• Strong solutioning mindset (you think beyond requirements)
• Experience in implementing solutions — not just documenting them
• Ability to work across multiple teams and systems
• Comfortable operating between business and technical environments
• Strong stakeholder engagement and communication skills

Minimum Qualifications

• Bachelor’s degree in relevant engineering qualification, i.e. Industrial Engineering, Chemical Engineering

Ideal Qualifications

• Honours degree in relevant engineering qualification, i.e. Industrial Engineering, Chemical Engineering

Certifications in:

• Business Process Management (BPM)
• Lean / Six Sigma
• Agile / Product environments

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• At Capitec, we’re building secure, innovative banking solutions and we need skilled professionals who can stay one step ahead of evolving cyber threats. As a Cyber Security Engineer, who speocializes in Incident Response, you will focus on identifying vulnerabilities, monitoring security events, and responding to incidents, while leveraging threat intelligence to strengthen our overall security posture and resilience.

What You Will Do?

• Conduct vulnerability research and analyse security threats
• Perform risk assessments and report on security posture
• Monitor systems and logs for suspicious activity
• Respond to and mitigate security incidents and breaches
• Identify and remediate vulnerabilities across systems
• Maintain incident records and improve response processes
• Collaborate with IT/dev teams to embed security in systems
• Collect and share threat intelligence across teams
• Track attack patterns and support security improvements
• Build threat dashboards for monitoring and reporting

What We Are Looking For

• At least 5 years’ experience in Incident Response and Threat Mitigation
• Experience with: Active Directory, SQL, SharePoint, Windows/Red Hat
• Exposure to Agile/DevOps environments
• Relevant IT/Computer Science qualification
• Preferably banking/financial services experience

Minimum Qualifications

• Grade12 (National Certificate / Vocational)
• Relevant tertiary qualification in Information Technology / Computer Science

Skills

• Analytical Skills
• Communications Skills
• Decision making skills
• Interpersonal & Relationship management Skills
• Leadership Skills
• Planning, organising and coordination 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.
• Holding responsibility for client relationship management of high value clients with varied and complex needs
• Significant experience in preparing and motivating Credit applications 
• Cost control and sales management 

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. 
• Advanced customer relationship management (CRM) principles and techniques, esp.  projecting credibility, gravitas and presence in the context of business (client) stakeholders. 
• Different industry sectors and sector risk profiles/ trends; including an understanding of the impact of external (economic, political, legislative, climatic) conditions on specific industries/ markets 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
• Computer Literacy (MS Word, MS Excel, MS Outlook)
• Negotiation skills
• Problem solving skills
• Decision making skills
• Commercial Thinking Skills
• Strategic Thinking Skills
• Communications Skills
• Influencing Skills
• Analytical Skills
• Attention to Detail