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.
• 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

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Purpose of the Role

• Are you ready to lead and make an impact in a fast-paced banking environment? We are seeking a seasoned professional to manage our Collections division. This role requires strategic vision, strong executive engagement, and the ability to manage large teams in a data-driven, omnichannel context.

Key Responsibilities

• Lead large collections teams (100+ members) and drive performance across the division
• Engage directly with executive stakeholders and foster strong professional relationships
• Develop and implement omnichannel strategies for collections and recoveries
• Influence hiring strategy and build for future workforce needs
• Support the Head of Department with analytical, detailed insights

Requirements

• Proven experience in credit granting, collections, and banking payments
• Contact centre and AWS expertise; comfortable in a tech-driven company with a sound understanding of innovation and business development.
• Experience managing large teams, especially in periods of high arrears while comfortable with managing some teams remotely.
• Bachelor of Commerce (BComm) degree or similar qualification
• Demonstrated confidence, assertiveness, and sound leadership
• Strong analytical skills and attention to detail
• Excellent relationship management and executive stakeholder engagement
• Must be based in Cape Town or willing to relocate

Qualifications (Ideal or Preferred)

• A relevant degree in Business Management

Conditions of Employment

• Clear criminal and credit record

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About the role

• We’re looking for someone who thrives on crafting clean, intuitive user experiences and enjoys turning design into real-world digital solutions. You’ll work with modern tech like React.js, AWS, PostgreSQL, HTML/CSS, and JavaScript, in a team that values collaboration, quality, and innovation.

What we’re looking for:

• Solid expeirence in front-end software development
• Strong experience with React.js and responsive design principles
• Solid grasp of front-end architecture and SDLC
• Matric (minimum), with an IT qualification preferredPassion for great UX and scalable UI solutions

This role offers more than just code — it’s about building products that matter, in an environment where your ideas count and your work has visible impact.

Education (Minimum)

• Grade 12 National Certificate / Vocational

Education (Ideal or Preferred)

• A relevant tertiary qualification in Information Technology

Knowledge and Experience
Experience:

• 6+ years’ proven experience in front-end software development, project delivery and implementation (in relevant development technologies/language). Experience with modern front-end frameworks and technologies.

Knowledge: 

• IT systems development processes (SDLC)
• Application development
• Advanced Programming Concepts
• Responsive design principles and mobile-first development.
• Browser compatibility issues and performance optimisation.
• Front-end build tools and package managers
• Front-end Design Patterns
• Version control
• Testing practices

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 independent oversight, advice and assistance to the business in the identification, evaluation, assessment and treatment of information and technology related risks.
• To improve risk awareness and risk culture through challenging first-line management’s information and technology risk management practices.

Experience
Minimum:

• 5 or more years’ experience in Risk Management and/or Internal/ External Auditing. 
• Proven experience in a governance and oversight capacity, e.g. IT Governance, IT Audit or Information Security
• Proven experience and understanding of Cyber and IT Security best practice and principles.

Ideal:

• Banking industry experience and knowledge
• Experience in data privacy and related compliance, e.g. RDARR, DAMA, GDPR
• Prior experience in a Cyber or IT Security role, e.g. ISO role, cyber security role, IT auditor (IT Security specialisation) 
• 5+ years’ specialist experience within risk and compliance

Qualifications (Minimum)

• Bachelor's Degree in Risk and Compliance or Commerce

Qualifications (Ideal or Preferred)

• Honours Degree in Risk and Compliance or Commerce

Knowledge
Minimum:

• Experience applying/ Basic understanding of relevant risk methodologies and IT/ Cyber Security control frameworks, e.g. COBIT, ISF, ISO, NIST, ITIL, COSO, DAMA, DM-BOK
• Experience in performing risk and control assessments
• Experience in information risk management 
• Experience in IT risk management including information security
• General business acumen
• Understanding of IT/ Cyber Security and Cloud Computing

Ideal:

• Banking industry experience and knowledge, including BCBS-239 (RDARR principles)
• Experience in Information Technology Audit and Continuous Auditing techniques 
• Understanding of Data Management practices
• Knowledge of leading practices and regulatory requirements 

Skills

• Communications Skills
• Computer Literacy (MS Word, MS Excel, MS Outlook)
• Attention to Detail
• Interpersonal & Relationship management Skills
• Influencing Skills
• Analytical Skills

Conditions of Employment

• Clear criminal and credit record
• A valid driver's license and own vehicle is requiredv

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Purpose Statement
We're Hiring: Business Banker – Merchant Services

• Are you a deal-closer, a relationship-builder, and a merchant services maestro? If you're passionate about helping businesses thrive through smart payment solutions, this role is your next big move.

Experience
What Makes You Shine:

• At least 2-3 yrs. proven experience in external sales environment with responsibility for, or exposure to cross and upselling.
• A natural hunter mindset—you thrive on chasing and closing new opportunities.
• Strong commercial acumen and a knack for spotting growth potential.
• Excellent communication and negotiation skills.
• Resilience, confidence, and a passion for helping businesses succeed.

What You’ll Do:

• Be the go-to expert for merchant services, guiding business clients through tailored payment solutions.
• Drive new business acquisition with confidence and resilience—your hustle sets the pace.
• Build and nurture strong relationships with SMEs, understanding their needs and delivering value.
• Collaborate with internal teams to ensure seamless onboarding and client satisfaction.
• Stay ahead of market trends and bring fresh ideas to the table.

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)

Conditions of Employment

• Clear criminal and credit record
• A valid driver's license and own vehicle is required as an inherent operational requirement of the job

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About the role

• We’re looking for a skilled BI Developer to join our team in a dynamic, insights-driven role. The focus of this position is to develop, maintain, and enhance reporting solutions that support data-driven decision-making in a complex, high-volume credit environment. This is a hands-on technical role combined with the ability to interpret business requirements and translate them into impactful, user-friendly reports and dashboards. A solid understanding of credit and financial services concepts is essential, ensuring data insights are accurate,relevant, and aligned to business objectives.

Minimum Experience

• At least 4 years’ experience implementing innovative BI solutions leading to clear business decisions and benefits, including
• At least 4 years’ experience in data analysis, including experience in and understanding of database structure design and data extraction principles (ETL). 
• At least 4 years’ experience working with any visualisation tools of which 2 years is on Power BI (DAX, M) 
• At least 4 years' experience in SQL (Postgres, MySql, MS SQL) which involved cleaning, enriching, transforming , data mapping, data aggregation, and data normalization that is suitable for data analysis.
• Working with product development life cycle and Agile frameworks
• Experience managing projects own work and initiatives from start to finish, including planning, scoping, budgeting, and timeline management.

Ideal:

• Data analysis methodologies or BI development in a various industries (i.e. financial/banking environment including financial, insurance, telecommunications and risk industries)

Qualifications (Minimum)

• A relevant degree in Statistics or Finance

Qualifications (Ideal or Preferred)

• Certification in AWS Practitioner

Knowledge
Minimum: 

• Overall good understanding and application of BI and Data Warehousing best practice
• Overall good understanding in Python or R (or any other relevant programming language)
• Expert in the field of BI development (reports, dashboards, data visualisation, etc.)
• Extensive knowledge of BI/reporting and analytical tools
• In depth knowledge of BI environments, solutions and implementations (end-to-end BI architecture and technologies)
• In depth knowledge in the field of data analysis methodologies (Descriptive-,Diagnostic-,Predictive-,Prescriptive Analytics)
• Knowledge of both waterfall and agile development approaches
• Knowledge of SQL query language: Preferably AWS services (Redshift, Athena, DataLake, Python, PostgreSql, MySQL) or MS Technologies (Azure services, SQL, SSAS) 
• A good understanding of design and user experience principles
• Understanding of Agile principles 

Ideal:

• Extensive knowledge of Power BI services (including Advanced AI and ML, and Cognitive services within the Power Platform)
• Working knowledge of the AWS ecosystem and services
• Analysis/report development in a financial/banking environment 

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About the role

• Are you a data visionary who thrives on turning complexity into clarity? At Capitec Bank, we’re building the bank of the future — reimagining how we harness data at scale to drive smarter decisions, AI innovation, and exceptional client experiences within our sales channels, the heartbeat of our retail business.As a Data Architect within our Channels Data and Analytics team, you will play a key role in designing and shaping the data infrastructure that empowers our sales channels to self-serve and move faster — all while ensuring solutions remain lean, scalable, and trusted.We’re looking for someone with a strong background in data warehousing and a solid understanding of domain-driven design principles, capable of architecting robust, future-proof data ecosystems that align with both immediate business priorities and long-term strategic growth.If you’re passionate about cutting through complexity to build elegant, scalable data architectures that fuel data-driven innovation in our most vital retail channels, this is your opportunity to make a meaningful impact and help simplify banking for millions.

Education (Minimum)

• Bachelor's Degree in Information Technology - Computer Science

Education (Ideal or Preferred)

• Bachelor's Degree in AWS Architecture

Minimum Requirements

• A bachelor’s in computer science, Engineering, Information Systems, Mathematics, Physics, or a related field. 
• A minimum of 5 years’ proven experience in data analysis, data modeling, data engineering, and data management. 
• At least 2 years of hands-on experience with AWS Cloud services 
• Databases: Redshift, Aurora, SQL Server, DynamoDB 
• Exposure to or experience in front-end engineering. 
• Exposure to or experience in Artificial Intelligence (AI), Machine Learning (ML), Data Engineering, or Business Intelligence (BI). 

Knowledge: 

• Data Management and Data Modelling Platforms (Collibra and ERStudio or equivalent).

Ideal: 

• Banking Knowledge, (business environment, products and services and regulatory landscape) 
• TOGAF 
• Agile Methodology 

Ideal Skills 

• Analytical Skills 
• Attention to Detail 
• Communications Skills 
• Decision making skills 
• Planning, organising and coordination skills 
• Problem solving skills 

Skills

• Analytical Skills
• Attention to Detail
• Communications Skills
• Decision making skills
• Planning, organising and coordination skills
• Problem solving skills

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Purpose Statement
To contribute towards the enhancement of the Business Support Centre’s customer experience and operational strategy through:

• Developing and interpreting business strategy and determining innovative solutions that will support strategy implementation
• Identifying areas of business efficiency and design, and working with relevant stakeholders to implement/improve solutions and achieve business excellence
• Identifying, enabling and maintaining strategic partnership opportunities with internal and external organisations that will enhance Capitec’s business offering
• Supporting senior management and department heads in activities related to strategy, structure and process improvement with focus on delivery and problem-solving, with the client experience in mind
• Serving as a conduit between operational and technological enablement teams within the context of the Business Support Centre (contact centre)

Experience
MINIMUM:

• Minimum of 5 - 7 years’ experience within financial services, contact centre or retail environment
• Proven experience in the development of new business cases/concepts/ideas
• Proven experience in building and managing business / partner relationships
• Proven experience in converting strategy into impactful business outcomes
• Proven experience in interacting/engaging and transferring knowledge effectively, to a wide range of Internal & external stakeholders, up to senior management level

IDEAL

• 5+ years’ experience in financial services/consulting/contact centre

Qualifications (Minimum)

• Honours Degree in Commerce or Business Management

Qualifications (Ideal or Preferred)

• Masters Degree in Business Administration

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
• Basic understanding of relevant legislation
• 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)

Skills

• Interpersonal & Relationship management Skills
• Management skills
• Problem solving skills
• Researching skills
• Strategic Thinking Skills

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Purpose Statement
Optimise credit performance and minimise risk through: 

• Managing and overseeing a team responsible for developing, implementing and optimising credit intelligence policies / solutions / processes / strategies across more than one workstreams.
• 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

Skills

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

Conditions of Employment

• Clear criminal and credit record