Current Opportunities at Capitec Bank

Purpose Statement

• To provide strategic technical direction and manage multiple technical teams responsible for the technical delivery of the full product lifecycle; all product features and support and maintenance related tasks in respect of the product
• Oversee the ongoing drive to increase efficiency, optimisation, innovation and people development in these environments.

Experience

Minimum:

• At least 5 years’ experience in software development management

Experience of:

• leading and working in an agile development environment
• crafting roadmaps
• managing a budget
• using technical skills to support and guide a technical team
• to establish priorities and successfully manage deliverables
• utilizing communication and relationship management skills to engage with stakeholders
• using leadership to influence in other areas.

Qualifications (Minimum)

• Bachelor's Degree in Commerce or Information Technology - Computer Science

Qualifications (Ideal or Preferred)

• Honours Degree in Commerce or Information Technology - Computer Science

Knowledge

Minimum:

• Functional knowledge particular to the product (e.g. Credit or App)
• People management and development practices and principles
• Stakeholder management
• Budgeting and accounting principles
• Business analysis and design
• Project Management principles and methodologies 

Ideal:

• Banking industry
• Central Collections environment 
• Capitec Bank Systems Environment
• Capitec Bank Business Model
• Agile development principles
• Systems Development Life Cycle (SDLC)

Skills

• Communications Skills
• Decision making skills
• Influencing Skills
• Interpersonal & Relationship management Skills
• Negotiation skills

Conditions of Employment

• Clear criminal and credit record

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Purpose Statement

• To minimise the risk of loss through bad debts, and maximise profits for the business through effective execution of credit application, evaluation and approval processes, and ensuring the quality of credit risks across the portfolio is maintained. 
• To interact with other areas of the bank and acting as a catalyst in ensuring compliance with agreed risk parameters as set out in the Bank’s strategy.

Experience

Minimum: 

• At least 5 years Credit Management experience across Personal and Business markets 
• Current Person-to-holder Credit Mandate 

Ideal: 

• At least 5 years Credit Management experience across Personal and Business markets 
• Experience in Intuitive Credit Granting

Qualifications (Minimum)

• Bachelor's Degree in Credit Management or Banking

Qualifications (Ideal or Preferred)

• Honours Degree in Credit Management or Banking

Knowledge

Minimum: 

• Business knowledge
• Risk Management 
• Understanding of Project Management methodologies and processes, 
• People Management 
• Financial Management
• In-depth understanding of the NCA

Ideal: 

• Knowledge of Intuitive Credit Granting

Skills

• Commercial Thinking Skills
• Computer Literacy (MS Word, MS Excel, MS Outlook)
• Analytical Skills
• Problem solving skills
• Decision making skills
• Attention to Detail
• Numerical Reasoning skills

Conditions of Employment

• Clear criminal and credit record

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Purpose Statement

• Oversee a team responsible for executing key accounting functions and providing an accurate financial status of all systems across Capitec. This includes reviewing and quality assuring reconciliations, journals and provisioning and ensuring transactions and exceptions are managed timeously.
• Responsible for monthly analytics, liaising with IT department regarding system issues and month end tasks. 

Experience

Minimum:

• 2 – 3 years reconciliation experience
• Proven ability to work independently and follow a structured and methodical approach when resolving problems or queries
• Experience in working with senior management to resolve discrepancies

Qualifications (Minimum)

• A relevant tertiary qualification

Qualifications (Ideal or Preferred)

• A relevant post-graduate qualification in Accounting - Financial Accounting or Finance

Knowledge

Minimum:

• Knowledge and understanding of:
• Management of accounts
• Computerised accounting systems and principles (SAP)
• Financial Analysis and interpretation

Ideal:

• Basic knowledge of SQL would be an advantage

Skills

• Communications Skills
• Computer Literacy (MS Word, MS Excel, MS Outlook)
• Numerical Reasoning skills
• Attention to Detail

Conditions of Employment

• Clear criminal and credit record

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Purpose Statement

• To function as the interface between the business (Operations and Sales and areas with a direct link to Operations and Sales) and IT delivery teams, to articulate and prioritise the business requirements of new ideas, projects and/or system changes
• To engage in problem analysis and resolution and continuous evaluation of current systems and processes with the objective of creating a unique branch service experience
• To fulfil a cross-functional role by engaging and facilitating effective communication flow between Operations, IT and other support divisions as part of the Business Development Team

Experience

Min:

• At least 5 - 8 years’ relevant experience in processing systems, processes and procedures in a similar environment

Ideal:

• At least 5 - 8 years’ relevant experience in processing systems, processes and procedures in a banking / financial environment

Qualifications (Minimum)

• Grade 12 National Certificate / Vocational

Qualifications (Ideal or Preferred)

• A relevant degree in Business Management
• A relevant tertiary qualification in Business Analysis

Knowledge

Min:

Knowledge of:

• Project management principles & methodologies
• Business analytics and new developments
• Financial systems & procedures
• System design standards
• Documentation standards (EA as platform at Capitec Bank)
• Process design principles
• Requirements gathering

Ideal:

In-depth knowledge and understanding of:

• Operational environment
• Capitec Bank strategic objectives (i.e. productivity, profit, efficiency, processes and procedures and client service)

Skills

• Communications Skills
• Computer Literacy (MS Word, MS Excel, MS Outlook)

Conditions of Employment

• A valid driver's license and own vehicle is required
• Contactable via own mobile phone
• Must have fingerprints which are detectable/recognisable on Capitec Bank's internal electronic banking system
• Clear criminal and credit record

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Purpose Statement

• To provide commercial guidance to business portfolios, ensuring a strong understanding of the link between operational drivers, business strategy and financial performance in order to enable accurate and effective financial management and decision making and to lead Finance Business Partners with the same purpose.

Experience

Minimum:

• Interpersonal and relationship management
• People development principles and practices
• Fundamental leadership principles and practices.
• Management of accounts, accounting principles and computerised accounting systems.
• Financial budgeting and forecasting
• Financial modelling; analysis and interpretation
• Digital way of work, 
• Stakeholder relationship building principles and practices 
• Business communication, report writing and presenting of information

Ideal:
Experience of continuous improvement initiatives and related change management

Qualifications (Minimum)

• Bachelor's Degree in Accounting - Financial Accounting or Accounting - Management Accounting

Qualifications (Ideal or Preferred)

• Honours Degree in Accounting - Financial Accounting or Accounting - Management Accounting

Knowledge

Minimum:

• Mentoring and knowledge sharing techniques and practices

Ideal:

• Great business acumen and knowledge of business outside of Finance
• Banking and financial services client offering, products and channels.

Skills

• Analytical Skills
• Communications Skills
• Interpersonal & Relationship management Skills
• Leadership Skills
• Numerical Reasoning skills

Conditions of Employment

• Clear criminal and credit record

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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 (Minimum)

• A relevant tertiary qualification in Information Systems

Education (Ideal or Preferred)

• Certification in AWS Data Analytics Speciality or AWS Architecture

Knowledge and Experience

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

Experience

Minimum:

• 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

Ideal:

• Relevant business domain knowledge e.g., credit
• Business Information Business Analysis experience in a finance/banking environment

Skills

• Commercial Thinking Skills
• Facilitation Skills
• Problem solving skills
• Analytical Skills
• Communications Skills

Additional Information

• Clear criminal and credit record

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Purpose Statement

To provide subject matter expertise towards enhancing credit profit optimisation through:  

• Providing the Retail Banking division with a robust and relevant term loan sales forecast to maintain growth, profitability and the achievement of operational objectives.
• Influencing operational staff incentives in line with forecasts.
• Providing inter-departmental support to the Retail banking division reliant on components supporting the sales forecasting process e.g. Market share analysis, scenario impact analysis, operational capacity planning support, marketing, etc. 

Experience

MINIMUM:

At least 3 years working experience in a Financial / Retail / Banking environment, of which:

• At least 1-3 years’ experience in credit risk analytics in a financial or retail environment with experience in facilities and term loan products
• Proven experience in developing forecast / budget models
• Intermediate knowledge of SQL
• Proven experience of translating analytical insights to forecast models change drivers

IDEAL:

• 3+ years’ experience in credit risk analytics in retail banking.
• Experience in retail credit pricing and budgeting modelling.
• Experience in retail credit granting/origination.

Qualifications (Minimum)

• Bachelor's Degree in Finance or Accounting - Management Accounting

Qualifications (Ideal or Preferred)

• A relevant post-graduate qualification in Finance or Accounting - Management Accounting

Knowledge

MINIMUM:

• Financial and business acumen
• Credit product profitability
• Advanced trend & statistical analysis
• Retail Credit Environment and credit life cycle

IDEAL:

• Knowledge of Capitec’s Credit Policy (or credit methodologies in a Financial Services organisation)
• Credit industry knowledge
• Knowledge of data structures and systems
• Analytical experience across the credit life cycle
• Credit origination systems and processes
• Strong data skills and basic understanding of selected programming languages (SQL)
• Knowledge around the alignment of strategic objectives to forecasting requirements

Skills

• Analytical Skills
• Attention to Detail
• Communications Skills
• Computer Literacy (MS Word, MS Excel, MS Outlook)
• Presentation Skills

Conditions of Employment

• Clear criminal and credit record

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Purpose Statement

• To enable business to make better and faster decisions by utilising data and analytical skills to provide support to the wider Product Team, specified internal clients within the bank, and key business forums and committees. 

Education (Minimum)

• Bachelor's Degree in Actuarial Science or Statistics

Education (Ideal or Preferred)

• Honours Degree in Statistics or Similar

Knowledge and Experience

Minimum:

• At least 5 years’ experience as Business Intelligence Analyst OR Data Analyst OR Actuarial Analyst OR Quants Analyst including experience in data driven analytics and understanding of database structure design and data extraction principles
• Knowledge of and experience in using visualisation tools such as Power BI or Quicksite
• Experience in identifying, quantifying and subsequently delivering insights to business decision makers

Demonstrates the following technological skills

• Power BI with DAX or another visualisation tool
• Advanced Excel
• SQL

Ideal:

• Knowledge of and experience in AWS

Demonstrates the following technological skills

• AWS Data Analytics Speciality
• AWS Practitioner
• AWS Sagemaker

Skills

• Commercial Thinking Skills
• Facilitation Skills
• Numerical Reasoning skills
• Presentation Skills
• Problem solving skills

Additional Information

• Clear criminal and credit record