Fresh Jobs at Capitec Bank

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 build, maintain and optimise effective client relationships by providing excellent client service through engagement and consultation with existing clients including installation, after sales support and training on products.
• To contribute to the overall profitability of Business Bank by promoting and selling Business Bank and merchant products to new and existing clients.

Experience
Min:

• At least 2-3 yrs. proven experience in a CRM environment with responsibility for, or exposure to cross and upselling.
• Proven experience in identifying sales or business opportunities and/or customer needs and providing solutions for these.  
• Building and developing a client base across a geographic area.
• Experience in a FMCG, banking or retail environment

Ideal:

• Providing on-site support and training to external clients
• Providing on-site technical support/client support within a retail/sales environment
• Cold-calling/external sales experience in a merchant acquiring environment, generating own selling opportunities

Qualifications (Minimum)

• Grade 12 National Certificate / Vocational

Qualifications (Ideal or Preferred)

• Bachelor's Degree in Commerce or Marketing

Knowledge
Minimum:

• Commercial, economic, SME landscape (esp. in the relevant geographic area)
• Sales and sales optimisation techniques & principles
• Commercial/business know how (how businesses work.)
• Client relationship management principles
• Engagement/conflict management practices
• Performance culture

Ideal:
Knowledge and understanding of:

• Business banking landscape, product knowledge
• Payment solutions environment (merchant services)
• Stock control
• POS Solutions
• Capitec Bank Acquiring product knowledge

Skills

• Influencing Skills
• Planning, organising and coordination skills
• Communications Skills
• Commercial Thinking Skills
• Interpersonal & Relationship management Skills
• Negotiation skills
• Computer Literacy (MS Word, MS Excel, MS Outlook)

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About the role:

• The Full Stack Software Engineer II 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.
• In addition to developing and maintaining both front-end and back-end components of web applications to ensure optimal performance and great client experiences, the Full Stack Software Engineer III focuses on enhancing new and existing products, improving current systems, and providing support.
• The role will form part of our client onboarding for business banking, which includes the process of a new customer joining the bank and opening a transactional account. The team is responsible for ensuring a smooth and efficient account opening process.

Our ideal candidate has:

• Grade 12 National Certificate (Minimum)
• A relevant tertiary qualification in Information Technology (preferred)
• 6 or more years’ proven experience as a Full stack Developer, project delivery and implementation (in relevant development technologies/language).
• Experience with modern frameworks and technologies.
• Has mentored junior developers

Tech Stack:

• .Net
• C#
• Relational Databases (PostgreSQL)
• JavaScript (Typescript)
• HTML
• CSS
• jQuery and React (Beneficial)
• Python (Nice to have)
• AWS
• BPMN (Beneficial)

Skills

• Analytical Skills
• Attention to Detail
• Communications Skills
• Computer Literacy (MS Word, MS Excel, MS Outlook)
• Problem solving skills
• Mentoring and Coaching

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

Additional Information

• Clear criminal and credit record

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About the role:

• Capitec is seeking a dynamic and self-motivated individual to join our Business Bank team as a Dealer: Forex. In this role, you will be responsible for managing currency exposures and fostering strong relationships with both internal and external clients in the Forex space. We’re looking for someone with at least 3 years of forex trading experience in a dealing room environment whether in banking, insurance, or corporate sectors who thrives in a fast-paced, compliance driven setting. A relevant tertiary qualification in Banking or Finance is essential, along with strong analytical, decision-making and relationship management skills. If you’re passionate about financial markets and ready to make an impact, we’d love to hear from you.

Our ideal candidate has:

• 3-5 years forex trading experience in a dealing room (in a banking, insurance, corporate environment)
• Tertiary qualification in Commerce and RE5 is required.
• Hands on experience with managing client and stakeholder relationships.
• Experience in managing the currency exposures and internal and external customer relationships of Business Bank in respect of Forex.
• Thorough understanding of forex standards, practices and principles
• Familiarity with regards to compliance within risk and regulatory frameworks.
• Stakeholder engagement management up to executive management.

Ideal

• Knowledge of a business bank environment, including Credit Risk Manual, Securities Manual and Bank policies and Procedures.

Competencies:

• Strategic thinking
• Problem solving skills
• Decision making skills
• Researching skills
• Project Management skills
• Planning, organising and coordination skills

Education:

• Tertiary Qualification in Commerce
• RE5

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About the role:

• To prepare Business Bank for change and leads and guides Business Bank through the change as the implementer of change, proactively understanding and managing the impact of change on people. To achieve staff/user adoption of new products, systems, tools and processes as well as to drive a change in behaviour across Business Bank to align with the Capitec way of work, CEO, and achieve consistency in client experience at scale. Play a lead role in the launch of new products and features as well as the growth of Capitec Business

What you will be doing:

• Lead Change Across the Organisation
• Prepare the Organisation for Change
• Implement Change Through People
• Measure Impact of Change

Minimum Experience

• 8+ yrs extensive experience as a change manager, with proven track-record in implementing change programs in large organisations in virtual and onsite team contexts
• Working and delivering in a high-performance delivery environment
• Proven experience of building relationships at all levels
• Change management execution through operational line management

Ideal:

• Experience in change management in an Agile environment

Qualifications (Minimum)

• Grade 12 National Certificate / Vocational

Qualifications

• Bachelor's Degree in Change Management

Conditions of Employment

• Clear criminal and credit record

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Purpose Statement

• Liaise with the business to formulate business specifications and functional descriptions to meet business requirements.
• Liaise with the development team to hand over functional descriptions.
• Compile test plans and ensure delivery aligns with business requirements.
• Conduct continuous business and industry research to guide the critical evaluation of new and existing software/application solutions.
• Undertake impact analysis specific to the solution and related changes, including within the solution and affected peer systems.
• Identify risks, issues, and decisions needed to support project deliverables and scope. This also includes an understanding of Project Management principles (Prince2).
• Understand and conceptualise the MIS/reporting requirements and needs from the solution.
• Align the solution and operations with relevant internal and external governance and compliance requirements and prerequisites.
• Demonstrate leadership skills; including management of teams, expectations, processes, solutions, and operational change.
• Gather and document business requirements, develop functional and test documentation, and ensure alignment between business needs, technical specifications, and delivery timelines.
• Act as a liaison between stakeholders, IT teams, and vendors throughout the development lifecycle.
• Manage testing, production support, and post-implementation validation.
• Continuously drive innovation and process improvement, while ensuring timely delivery of documentation and solutions aligned with strategic and commercial objectives.

Qualifications (Minimum)

• A relevant tertiary qualification in Business Analysis
• Grade 12 National Certificate / Vocational

Experience and Knowledge
Minimum Experience:

• At least 7 years’ work experience in Business Analysis
• Proven work experience as a Business Analyst (BA) within a Product Specialist environment
• Change management
• Basic project management 

Minimum Knowledge:

Must have detailed knowledge of:

• Business analysis and design
• IT systems development processes. End to End experience of development life cycle
• Application development
• Testing practices and methodology
• Banking and IT standards and governance
• Financial principals

Ideal Knowledge:

• Detailed knowledge of:
• Agile development life cycle 
• SDLC 
• PRINCE2
• Change management
• Banking systems
• Credit granting/savings
• Collections environment
• MIS/BI/Data warehousing
• UML and Business Process Modelling (BPM) – EA and Visio

Solid understanding of:

• Capitec Bank systems environment and business model
• Best practices for Quality Assurance (QA)
• Project management
• Conflict management

Skills

• Analytical Skills
• Problem solving skills
• Attention to Detail
• Planning, organising and coordination skills
• Communications Skills
• Interpersonal & Relationship management Skills
• Negotiation skills
• Influencing Skills
• Presentation Skills
• Facilitation Skills
• Commercial Thinking Skills
• Strategic Thinking Skills
• Project Management Skills (Methodolgy Specific)
• Change Management Skills

Conditions of Employment

• Clear criminal and credit record
• Contactable via own mobile phone
• A valid driver's license and own vehicle is required

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Purpose Statement

• To plan, manage and coordinate the full project management process for mini-projects within a specific geographic area
• To ensure mini-projects are delivered on time, to budget and to the required specification and quality standards

Experience
Min:

• At least 3 years’ project management experience in a construction or site or shop fitting environment, including
• Ensuring Quality delivery and assurance to a high specification
• Managing contractors and suppliers

Ideal:

• Exposure to quantity surveying

Qualifications (Minimum)

• Grade 12 National Certificate / Vocational
• A relevant tertiary qualification in Project Management or Quantity Surveying

Qualifications (Ideal or Preferred)

• A relevant tertiary qualification in Draughting

Knowledge
Min:

Knowledge of:

• Drawing and interpretation of plans
• Practical application of technical constraints
• Managing third party service providers (contractors)

Ideal:

Knowledge of:

• Principles of quantity surveying
• Spatial awareness

Skills

• Communications Skills
• Computer Literacy (MS Word, MS Excel, MS Outlook)
• Interpersonal & Relationship management Skills
• Project Management Skills (Methodolgy Specific)
• Numerical Reasoning skills
• Attention to Detail
• Negotiation skills
• Reporting Skills
• Decision making skills
• Administration Skills

Conditions of Employment

• A valid driver's license and own vehicle is required
• Contactable via own mobile phone
• Willingness to travel extensively and regularly
• Clear criminal and credit record

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Purpose Statement

• To  ensure that products and services meet specific standards of quality,  identify areas for improvement, enable necessary changes with stakeholders and monitor the effectiveness of efforts over time to add value to the process and the outcome. 

Experience
Min:

• 3-5yrs experience in a client service, business support environment with responsibility for quality assurance, preferably in banking or finance. 
• Experience of collaboration across multiple and diverse teams.
• Project and change management experience 

Ideal:  

• Amazon connect, Sales Force and Speech analytics experience

Qualifications (Minimum)

• Grade 12 National Certificate / Vocational

Qualifications (Ideal or Preferred)

• Bachelor's Degree in Business Engineering or Business Administration
• A relevant tertiary qualification in Quality Management

Knowledge
Min:

• Deep and broad knowledge of the business area and specific domain, function or department.
• Quality management systems, tools and methodologies
• Data analysis and interpretation
• Fundamentals of behaviour change
• Change management methods, practices and tools
• Understanding of requirements, specifications and technical design
• Project management methodology 

Ideal:

• Understanding of the SDLC, testing tools, programming languages

Skills

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

Conditions of Employment

• Clear criminal and credit record

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About the role

• We are looking for a skilled developer to join our Open Banking team. The Software Engineer will be part of a cross-functional group responsible for the entire software lifecycle, including design, development, testing, deployment, maintenance, and enhancement of complex applications. Key duties include ensuring scalability and performance while guiding developers and stakeholders on project scope, progress, and technical issues.
• This position involves developing and maintaining front-end and back-end components of web applications, working across all layers of the application stack. Responsibilities include building solutions focusing on performance, reliability, scalability, and effective client experiences.

What you will be doing:

• Develop and maintain Open Banking products, including Capitec Pay and a suite of data products.
• Implement secure API integrations aligned with global best practices.
• Collaborate with feature teams (delivery lead, BA, testers, developers) across Capitec Pay, Open Banking Data, and Partner Enablement.
• Ensure security compliance through client approval mechanisms and fraud prevention strategies
• Be involved in the design on a product level, advising how technology would solve our business needs
• Mentoring engineers, testers to ensure end-to-end quality.

Technology Stack:

• Backend: Node.js, Java
• Frontend: Angular (main back office), React (new components)
• Databases: AWS Aurora MySQL, Postgres (Microsoft SQL experience welcome)
• Cloud: AWS

Ideal Candidate Profile

• Background in Fintech or relevant Software Engineering Experience
• A strong understanding of design patterns
• Strong experience in Java Spring Boot or Node.js (cross-skilling supported).
• Advanced Microservice and event-driven architecture
• Familiarity with secure API development and client data handling.
• An understanding of containerised applications (Kubernetes and Rancher)

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

Additional Information

• Clear criminal and credit record

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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.

Minimum Experience

• At least 5 years’ experience in software development management

Experience of:

• leading and working in an agile development environment
• Experience in either back-end or front-end development
• 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
   

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Purpose Statement

• The level II Software Engineer plays an integral part in a cross-functional team dedicated to the full software development lifecycle, from concept, to development to deployment and ultimately operating of each product. At this level, Software Engineers are responsible to design, develop, test, deploy, maintain and enhance software systems and applications based on specifications, while adhering to established standards. They translate requirements from the business or technical analyst and actively participate with the delivery team in design and problem-solving.
• The Back-end Software Engineer plays a crucial role in building solutions that offer optimum performance, reliability, and scale. They are responsible for writing and testing code for the development of the server-side components that power the application's functionality

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 back-end software development, project delivery and implementation (in relevant development technologies/language). Experience with back-end frameworks and technologies

Knowledge: 

• Is able to apply advanced knowledge of the following:
• IT systems development processes (SDLC)
• Application development
• Advanced programming concepts
• Advanced algorithms and data structures
• Design Patterns
• Version Control
• Testing practices
• Database systems and query optimization (e.g., SQL, NoSQL).
• RESTful API design and integration.
• Cloud computing platforms and services (e.g., AWS, Azure).
• Advanced Microservice and event driven architectures
• Deployment using kubernetes and containerisation

Skills

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

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About the role

• The Native App Platform Team looks after the app itself and the frontend architecture that the Capitec app frontend is built with.  We provide the framework and enablers for building the various product offerings and features available in the app channel.  This is a full stack environment with micro-services running on AWS, the native app layer, frontend user experience and everything in between, so if you like to traverse all the layers end-to-end, you’re going to feel right at home here.
• We have a focus on app stability, efficient communication between the app and backend, and robust security to protect our clients and their assets.  An idea candidate has a deep understanding of the flow of communication between the app and backend, understands app and API security, has experience working with cryptography, knows authentication protocols, is experienced with high scale and scalability, can work with a wide range of languages and apply good engineering best practices across the stack. 
• In this team, we value building trust and autonomy. We foster an environment of continuous improvement and experimentation with the best tech to get the job done. We collaborate and communicate constantly and get things built and into deployed into production.  Our work is serious, but we have a lot of fun as we go.
• The ideal candidate embraces new technology, challenges bad ideas, and loves finding better ways of doing things. Are you ready to get personally invested in building the best digital bank with us?

What you will be doing

• Brain-storming solutions on the white-board with the team
• Building micro-services (and all the layers down to the frontend) that can handle the scale of what we do, which means thousands of requests per second - without breaking the bank!
• Working with the wider app team including testers, designers, frontend and UX devs, delivery leads, product managers and other prominent figures in the business – we all have a shared purpose!
• Figuring out weird and obscure bugs.  Look for ways to make the app more reliable.
• Learning and adapting to new challenges.
• Helping developers who are building product features and experiences to work with the framework.

Knowledge and Experience

• 6+ years proven experience in both front-end and back-end software development, deployment and running solutions in production
• Experience with modern front-end and back-end frameworks and technologies – ideally what we’re using

Tech Stack
Backend:

• Amazon Web Services
• Rancher / Kubernetes
• GitHub eActions CI/CD
• Java 17+
• Spring Ecosystem (Bott, Web, Security etc.)
• PostgreSQL (Amazon Aurora)
• Flyway
• JUnit
• Kafka

Tech Stack
Frontend:

• TypeScript
• React.js
• Webpack
• single-spa
• Module Federation
• Material-UI (MUI)
• Micro-frontend architecture

Tech Stack
Native App:

• Google Android
• Huawei Android
• iOS
• Capacitor
• TypeScript, JavaScript, Java, Kotlin, Swift, Objective-C, C, Python, Shell/Bash, CSS, HTML, JSON, Markdown

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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Purpose Statement

• To enable and enhance software quality assurance by designing and implementing a comprehensive set of activities and scenarios, combining automated and manual approaches. 
• To drive quality assurance through effective automation practices, collaboration, and continuous learning within the team to ensure that the developed software meets and exceeds defined quality specifications throughout the Software Development Life Cycle (SDLC).

Education (Minimum)

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

Education (Ideal or Preferred)

• Software Testing - Foundation Level through the International Software Testing Qualification Board (ISTQB)

Knowledge and Experience
Knowledge

Minimum:

• Knowledge of defect tracking systems like Jira or Bugzilla to report and track software defects.
• Ability to create and manage test data for automation testing, including data generation, data-driven testing, and database manipulation.
• Familiarity with CI/CD practices and tools like Jenkins, GitLab CI/CD, or Travis CI to integrate and automate testing in the software development pipeline.
• Knowledge of performance testing tools like JMeter or Gatling to conduct load, stress, and performance testing of applications.
• Familiarity with test management tools like TestRail or Zephyr to manage test cases, test suites, and test execution.
• Understanding of security testing concepts and tools like OWASP ZAP or Burp Suite to perform security testing of applications.
• Knowledge of cloud platforms like AWS or Azure and experience in testing applications deployed in cloud environments.
• Ability to lead and mentor junior team members, provide guidance, and share best practices to enhance the overall testing capability of the team.

Ideal: 

• Familiarity with Capitec's Way of Work (WoW) and its application during projects
• Knowledge of Service-Oriented Architecture (SOA) principles and their implications for testing.
• Strong grasp of Object-Oriented Design principles and their application in developing robust and maintainable automation test scripts.
• Understanding of financial and banking systems, including their unique testing requirements and regulatory compliance.
• Ability to collaborate with stakeholders and the team to reinforce appropriate testing environments and timelines, aligning testing activities with project.

Experience 

Minimum: 

• 3-5 years of hands-on experience in automation testing, including designing, developing, and executing automation scripts.
• Comprehensive understanding and experience in end-to-end processes being tested to achieve successful results.
• Proficiency in conducting impact analysis when introducing software changes to assess potential risks and determine necessary testing efforts.
• Strong knowledge of the Full Software Development Life Cycle (SDLC) and its various phases.
• Familiarity with best practices and industry standards in software and automated testing, including reporting, tracking, and follow-up, as well as Software Quality Assurance (SQA) principles.
• Proficiency in using test management and automation tools to support testing activities.
• Expertise in integration, regression, and automation testing techniques and methodologies.
• Experience in designing and implementing end-to-end automation frameworks, such as Data-Driven, Keyword-Driven, or Behavior-Driven frameworks.
• Experience in Test Case Design, creating effective test cases and test scenarios based on requirements, user stories, and acceptance criteria.
• Experience in executing test cases, documenting test results, and generating test reports.
• Understanding of version control systems like Git, including branching, merging, and resolving conflicts.
• Proficiency in testing APIs using tools like Postman or REST Assured, and understanding of concepts like API endpoints, request/response validation, and authentication.
• Experience in setting up and configuring test environments, including test databases, servers, and virtual machines.

Ideal:

• Experience working in an Agile methodology, such as Scrum or Kanban, and familiarity with Agile testing practices.
• Exposure to a continuous delivery environment, where frequent software releases and automated deployment pipelines are utilized.

Skills

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