Fresh Jobs at Capitec Bank

About the role

The purpose of this role is to enhance the financial performance of Capitec Insurance through:

• Perform periodic (monthly, quarterly, bi-annual and annual) actuarial valuation duties using Prophet and other actuarial models. Assist in the compiling of the input tables and assumptions used for valuations.
• Participating in periodic (monthly, quarterly, bi-annual and annual) insurance contract liability and profit calculations on an IFRS 17 (International Financial Reporting Standards) basis.
• Participate in the calculation of solvency requirements as specified in the Financial Soundness Standard for Insurers (previously SAM).
• Assist in the completion of the quantitative reporting templates for statutory reporting of solvency.
• Assistance in developing and maintaining the processes and controls used for actuarial valuation and financial reporting activities.
• Participating in the forecasted IFRS 17 profit calculations for the annual budget and monthly re-forecasting.

Our ideal candidate

• Academically qualified actuary or Newly qualified actuary: All exams completed.
• 5 years’ actuarial experience in the life insurance industry including valuation, reporting and or capital management.
• Honours Degree in Actuarial Science
• Experience with working in a team with multiple deliverables.
• Experience with Prophet or other actuarial modelling software.
• Experience with IFRS17.
• Experience with working with data visualisation technologies (Power BI, etc.)

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Purpose Statement

• As a Salesforce system administrator, your primary responsibility is to ensure the smooth operation, maintenance, and optimisation of the Salesforce Platform within the organisation. This involves a range of tasks and responsibilities.
• To design, manage, test, implement and maintain decision and process automation through the use of low code functions aligned to business strategy and operational requirements, ensuring that the relevant internal and external governance is followed. 
• To provide support and query resolution and liaise with system parties to ensure timely resolution of business rules and process automation.

Education (Required))

• A relevant tertiary qualification in Information Technology - Computer Science or Information Management
• Certification

(Required)

• Grade 12 National Certificate / Vocational

Knowledge and Experience

Experience (Required):

• Must have Salesforce Administrator Certification (ADM 201 or equivalent)
• At least 2-3 years' hands-on experience in Salesforce Support or Salesforce Administration
• Service Cloud and Sales Cloud
• Other Salesforce products (e.g., Marketing Cloud, nCino, FSC, etc.)

Knowledge (Required):

• User Management and Provisioning of the Salesforce FSC Platform
• Data Management and Maintenance of the Salesforce FSC Platform
• Overall System Maintenance of the Salesforce FSC Platform
• Coordinating the integration of Salesforce FSC with other systems and platforms
• Continuous Improvement and release management on the FSC Platform
• Contributing to the Business Strategy Documentation
• Responding to escalated support tickets related to Salesforce functionality, data, and processes
• Investigating and diagnosing issues, identifying root causes, and implementing effective solutions
• Collaborating with Level 1 Support to provide accurate information for issue resolution
• Assisting in user training and documentation to enhance self-service capabilities
• Performing data analysis, cleansing, and migration tasks
• Working closely with Salesforce developers on enhancements and customisations
• Monitoring system performance and recommending optimisations
• Remaining updated on Salesforce features and best practices
• Reviewing feedback and alerts from monitoring tools on daily basis
• Developing reports and dashboards, within Salesforce FSC, to provide insights and other relevant metrics for decision making purposes on Salesforce FSC
• Apex, Visualforce, Lightning Components, and other Salesforce development tools (proficiency)
• Web development technologies (HTML, CSS, and JavaScript)
• Creating new features and enhancements for existing Salesforce apps
• Maintaining the codebase, ensuring consistency with overall application architecture
• Communicating effectively with colleagues and cross-functional teams
• Configuration and customisation of Salesforce
• Integrations with third-party systems
• Data modelling and database concepts
• Managing key stakeholders and providing feedback timeously
• Collaborating within an Agile team environment to deliver high-quality solutions
• Prioritising and managing multiple tasks effectively and independently

Knowledge (Ideal - Nice to Have):

• Jira
• Confluence
• Business and System Analysis Methodologies (advanced understanding)
• ITIL Principles and the application thereof (advanced understanding)
• Best practices for Quality Assurance (QA)
• Banking systems and business models
• Compliance requirements specific to the financial services industry
• Client onboarding and relationship management
• Financial Product Management on Salesforce FSC
• Wealth Management and Financial Planning on Salesforce FSC
• Assessing and mitigating risks on Salesforce FSC
• Providing training and support, to Financial Advisors and other users, on how to use Salesforce FSC effectively

Skills

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

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Purpose Statement

• To build value for the product line by solving client and business challenges using data. 
• To utilise data and analytical skills and experience to build insights which enable senior decision makers to make better, informed decisions faster.

Education (Minimum)

• A relevant tertiary qualification in Business Administration or Statistics

Education (Ideal or Preferred)

• Certification in Business Analysis

Knowledge and Experience

Minimum

Experience:

• At least 3 years’ experience as Business Intelligence Analyst or equivalent (data analyst etc.) including experience in data analytics, BI methods and tools, data warehousing and the data life cycle.
• Experience in identifying, quantifying, and subsequently delivering value on how to solve business challenges using data 
• Experience with stakeholder engagement 
• Experience in working with data on cloud platforms, such as AWS or Microsoft Azure 
• Experience in building data visualisations using tools such as Power BI 
• Experience of using SQL to prepare and analyse data

Knowledge:

• Knowledge and basic experience in using low/no code AutoML on modelling tools such as Power BI or AWS Sagemaker  
• Design thinking
• Dimensional Modelling
• The Data Product Life Cycle (DPLC)
• Knowledge of data privacy and security regulations and best practices 
• Knowledge and understanding of data quality and incident management  
• Knowledge and experience of agile project management methodology 

Ideal:

• Previous experience working in business analysis in the banking sector
• Knowledge of change management principles and practices

Skills

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

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Purpose Statement

• To enable and enhance software quality assurance by designing, developing and implementing a comprehensive set of testing approaches, activities and scenarios (e.g., the Test Automation strategy within and across teams and driving the overall architecture and solution of the Test Automation initiative). 
• To drive quality assurance through effective Automation practices, collaboration, and continuous learning within the team; to ensure that developed software meets/exceeds defined automation guidelines and standardised quality specifications within the Software Development Life Cycle (SDLC).
• To develop and ensure adoption of Test Automation frameworks, principles, standards, and tools across teams, to establish the Test Automation environment, and to participate in development of the application as well as in testing of the software developed. 

Education (Minimum)

• Grade 12 National Certificate / Vocational

Education (Ideal or Preferred)

• Software Testing - Foundation Level through the International Software Testing Qualification Board (ISTQB)
• A relevant tertiary qualification in Information Technology or Software Testing

Knowledge and Experience

Minimum Experience: 

• 3-5 years' hands-on formal experience in Automation testing (including designing, developing, and executing Automation scripts).
• N.B.: Integration, Regression, and Automation testing (techniques and methodologies).
• N.B: Testing APIs (using tools like Postman or REST Assured, etc.), and understanding concepts like API endpoints, request/response validation, and authentication.
• Conducting impact analysis when introducing software changes (to assess potential risks and determine necessary testing efforts).
• The full Software Development Life Cycle (SDLC) and its various phases.
• Using Test Management and Automation tools to support testing activities.
• End-to-end processes being tested to achieve successful results.
• Designing and implementing end-to-end Automation frameworks (such as Data-Driven, Keyword-Driven, or Behavior-Driven frameworks).
• Test Case Design, creating effective Test Cases and Test Scenarios based on requirements, User Stories, and Acceptance Criteria.
• Executing Test Cases, documenting Test Results, and generating Test Reports.
• Setting up and configuring Test Environments (including test databases, servers, and virtual machines).

Minimum Knowledge:

• Version control systems (like Git); including branching, merging, and resolving conflicts.
• Best practices and industry standards in software and Automated testing; including reporting, tracking, follow-up, as well as Software Quality Assurance principles.
• Defect tracking systems (like Jira or Bugzilla, etc.) to report and track software defects.
• Creating and managing test data for Automation testing; including data generation, data-driven testing, and database manipulation.
• CI/CD practices and tools (like Jenkins, GitLab CI/CD, or Travis CI, etc.) to integrate and automate testing in the software development pipeline.
• Performance testing tools (like JMeter or Gatling, etc.) to conduct load, stress, and performance testing of applications.
• Test management tools (like TestRail or Zephyr, etc.) to manage test cases, test suites, and test execution.
• Security testing concepts and tools (like OWASP ZAP or Burp Suite, etc.) to perform security testing of applications.

Ideal Knowledge / Experience: 

• Automating front-end bots.
• Cloud platforms (like AWS or Azure) and experience in testing applications deployed in cloud environments.
• Agile methodology (such as Scrum or Kanban), and familiarity with Agile testing practices.
• Continuous delivery environment (where frequent software releases and automated deployment pipelines are utilised).
• Release management.
• Financial Industry / Banking IT Systems (including their unique testing requirements, regulatory compliance, and way of work).
• Functional and non-functional testing (including performance testing).
• Behaviour-Driven Development (BDD).
• Different development languages.
• SQL / Java / Playwright (or similar) skills.
• Collaboration with stakeholders and team to reinforce appropriate testing environments and timelines (aligning testing activities with project).
• Service-Orientated Architecture (SOA) principles and their implications for testing.
• Strong grasp of Object-Orientated Design principles and their application in developing robust and maintainable Automation test scripts.
• Leading and mentoring junior team members (providing guidance and sharing best practices to enhance the overall testing capability of the team).

Skills

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

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About the role

• As a Client Engagement Agent, you will play a vital role in shaping and optimizing client engagement throughout the entire lifecycle. Leveraging your expertise in data, systems, and client engagement practices, you will support, track, and develop impactful programmes, campaigns, and prompts. You'll also conceptualize, design, and implement foundational CRM solutions tailored to specific communication strategies and business requirements. This role offers an opportunity to drive meaningful connections and deliver measurable improvements in client relationship management.

Experience

Minimum:

• 3+ yrs. technical CRM experience in a client relationship environment or business engineering to understand data, modelling, selection, systems, and integration points in respect of a client centric view.
• Operating in an environment practicing Agile methodology.

Qualifications (Minimum)

• A relevant tertiary qualification in Information Technology or Similar

Qualifications (Ideal or Preferred)

• A relevant qualification

Ideal:

• 3+ years’ experience in CE to understand data, modelling, selection, systems, and integration points in respect of a client centric view.
• 3+ years program or business engineering experience project experience.

Knowledge

• Salesforce Marketing Cloud (or similar CRM system)
• Salesforce CRM (or similar CRM system)
• Process engineering
• Analytics and modelling
• System integration, APIs
• Customer relationship management principles, tools, and methods
• Understanding of data, modelling, selection, systems, and integration points in respect of a client centric view.
• Stakeholder engagement and management principles and practices
• Agile methodology

Ideal:

• CX or CE Journey mapping
• Technical CRM program building
• AI modelling
• Digital channel development and integration

Skills

• Analytical Skills
• Communications Skills
• Interpersonal & Relationship management Skills
• Planning, organising and coordination skills
• 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 provide a business centre-based Business Banking sales and service 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 3 years
• Experience of managing a portfolio of business customers with a service and financial analysis focus.
• Experience in preparing and motivating Credit applications 
• Cost control and sales management 

Ideal:

• 1+ yr spent in the Business Banking environment preparing and motivating credit application

Qualifications (Minimum)

• Diploma in Commerce or Finance

Qualifications (Ideal or Preferred)

• FAIS accredited as Key Individual and approved by FSCA

Knowledge

Minimum:

• Customer relationship management (CRM) principles and techniques
• How to interpret financial statements, balance sheets and basic financial ratios
• Standardized business banking transactional products and other core products relevant to small enterprises
• Business banking product offerings
• Understanding of collateral and balance sheets
• Multiple legal entities (companies, close corporations, sole proprietorships, etc.) in the business banking market and the legislative restrictions & requirements governing these from a financial services perspective
• Companies and Intellectual Properties Registration Act (CPIC) for correct documentation/mandate preparation purposes
• Knowledge of competitors offerings
• Regulations, Acts and Codes related to the banking environment.
• Financial Advisory and Intermediary Services Act (FAIS), the Financial Intelligence Centre Act (FICA) 

Ideal:

• Features, benefits and value propositions of the respective company product/service offerings. 
• Current taxation laws as they apply to customers. 
• A good knowledge of administration processes and procedures pertaining to Business Banking transactions

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

• The successful incumbent will be responsible for the constructional design of floor layouts for new/upgrade branches, including offsite cash devises and all alterations to existing branches, with a strong focus on external and internal branch signage, in-branch communication and overall branch look and feel. This will include the liaison with the relevant suppliers, contractors, landlords and tenant coordinators in this regard.

Experience

• 2 years’ experience in architectural design and construction

Qualifications (Minimum)

• Grade 12 National Certificate / Vocational

Qualifications (Ideal or Preferred)

• A relevant tertiary qualification in ITIL Foundation

Knowledge

• Building/ Construction – Methods/ Materials/ Regulations

Skills

• Computer Literacy (MS Word, MS Excel, MS Outlook)
• Communications Skills
• Project Management Skills (Methodolgy Specific)
• Interpersonal & Relationship management Skills
• Analytical Skills
• Commercial Thinking Skills

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What you will be doing

• Lead multiple technical teams in delivering the full product lifecycle, from features to support and maintenance, while driving continuous improvements in efficiency, optimization, innovation, and team development.

Minimum Experience

• Bachelor's degree in commerce or information technology - Computer Science
• 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 
• At least 5 years’ experience in software development management
• Systems Development Life Cycle (SDLC)

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.

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Purpose Statement

To enable effective credit portfolio management through:

• Timely and accurate delivery of credit risk reporting dashboards in line with the credit reporting framework.
• Advancing the Informatics function as it relates to credit risk reporting automation and to drive developing of “Help Yourself” dashboards for real-time access from anywhere across the business.
• Assisting with the design, implementation and ongoing maintenance of data quality management processes and procedures that enables the automated validation and exception reporting required to advance credit data quality used in credit portfolio reporting and as required from a data governance perspective (RDARR and BCBS239 compliance).
• Providing actionable insights to inform decision making.

Experience

Minimum:

• Minimum of 5 – 7 years’ experience in data analytics or engineering (analysing business processes, determining requirements, translating requirements into solutions)
• Experience with analysis methodologies, process disciplines and system development lifecycle methodologies.
• Ability to develop data interrogation techniques and the creation of data cubes 
• Automation and scheduling experience

Ideal:

• 7+ years’ experience in data analytics or engineering (analysing business processes, determining requirements, translating requirements into solutions)
• Experience in a similar role where responsibilities include data-mining and the development of procedures automated for management reporting purposes.
• Proven experience in the application of data mining and analysis tools MS SQL, MS Power BI, AWS Database 
• Exposure in a credit portfolio or financial management environment in a bank (banking environment)

Qualifications (Minimum)

• A relevant qualification in Information Technology - Computer Science or Information Management

Qualifications (Ideal or Preferred)

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

Knowledge

Minimum:

• Knowledge of database tools, structures and extraction tools such as MS SQL, AWS Redshift, AWS RDS
• Knowledge of data integration and transformation practices
• Knowledge of data quality practices
• Knowledge of data mining and analysis
• Understanding of data science principles

Ideal:

• Knowledge on data architecture and analysis within the Capitec/Mercantile environment
• Knowledge of advanced visualisation tools such as MS Power BI

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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 contribute towards the management of model risk in the bank by conducting technical reviews and validations of all models in the bank and further drive improved governance of models in the bank, with specific focus on either 
• models that use machine learning methodologies , or  
• financial models, or  
• predictive models (credit risk scorecards). 

Experience

Min: 

• 2+ years’ relevant modelling experience.  
• Experience in a variety of  model methodologies, either related to: 
• machine learning methodologies  
• financial modelling (pricing, provisioning, capital) 
• predictive modelling (credit risk scorecards) 
• Practical experience in end-to-end model development is a requirement. 

Ideal:

• 3+ years relevant experience in a banking environment. 
• Model review and validation experience. 
• Ability to understand complex modelling techniques, discuss and challenge modelling approaches, and to effectively communicate technical concepts and alternative solutions. 

Qualifications (Minimum)

• Grade 12 National Certificate / Vocational 
• Degree in Data Science, Mathematics, Statistics or similar 

Qualifications (Ideal) 

• Honours Degree in Data Science, Mathematics, Statistics, Actuarial or similar