Fresh Openings at Capitec Bank

Purpose Statement

• To develop strategies and operational processes for Retail Bank for the execution and embedment of compliance risk management processes as required by relevant regulatory requirements, applicable codes of conduct and minimum standards
• To be responsible for and manage compliance within the Retail Bank; to facilitate adherence to legislative requirements as prescribed by Regulation 49 of the Banks Act
• To enhance the compliance culture by developing and maintaining a thorough understanding of the relevant regulatory requirements and the global regulatory environment and best practice principles applicable to the bank ​​​​​​

Experience
Minimum:

• 5+ years’ experience in a compliance role (over and above qualification)
• Experience in respect of the practical application of relevant laws and regulations is essential
• Understanding of legal issues and the ability to interpret legislation in respect of the retail banking environment.
• Exposure to monitoring principles and practices
• Strong business knowledge 
• Previous experience in managing a team (minimum 2 years)

Ideal:

• Experience in a banking or financial services industry (credit providers, retail banks, etc.) 
• Proven experience in the application / use of risk related software packages:
• EXCLAIM software
• Experience in dealing with compliance issues similar to those applicable to the bank
• Exposure to providing training / public speaking
• Managerial budgeting

Qualifications (Minimum)

• Honours Degree in Law or Commerce

Qualifications (Ideal or Preferred)

• Post Graduate Diploma in Business Management or Risk and Compliance

Knowledge
Minimum:

• Knowledge and experience of implementing and being accountable for compliance frameworks/strategies in a retail banking environment
• Knowledge and experience of implementing and being accountable for Market Conduct and Financial Crime compliance frameworks / strategies across the bank (RB & BB) 
• Solid understanding of compliance regulation best practice and guidance 
• Knowledge and understanding of compliance and operational risk regulatory requirements 
• Knowledge and understanding of risk management methodologies, tools, governance structures and regulatory requirements for good management of risk 
• Understanding of financial services business processes, especially in the retail banking environment.
• Development and implementation of risk management and reporting
• Understanding of the retail banking landscape.

Knowledge of:

• Commercial Law
• Legal practices
• Monitoring techniques
• Auditing processes
• Computer systems (Office – Word, Excel, Powerpoint)

Ideal:

• Legislation regarding all specified compliance monitoring areas (consumer protection, money laundering and terrorist financing, labour legislation or financial and regulatory)
• Banks’ systems
• EXCLAIM software

Skills

• Communications Skills
• Planning, organising and coordination skills
• Analytical Skills
• Reporting Skills
• Computer Literacy (MS Word, MS Excel, MS Outlook)

Conditions of Employment

• Clear criminal and credit record

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Purpose Statement

• The Data Analyst role exists to unlock value from data by making data accessible and meaningful to stakeholders across the organization. This role transforms data into actionable insights that support strategic decision-making, optimize operations, and drive business performance. By identifying trends, patterns, and opportunities, the role enables informed, data-driven decisions and contributes directly to the company’s strategic objective of being an insights-driven organization.        

Experience

• NB. Length of experience required is conditional on the qualifications obtained but must include:
• Experience in data analysis, preferably within the financial services or retail sector.
• Experience in contributing to data analysis projects 
• In using data analysis tools and software (e.g., SQL, Python, R, Tableau, Power BI).
• Experience in performing  data analysis and statistical modelling.
• Experience working with cross-functional teams (e.g., finance, marketing, IT) to support business requirements and the provision of data-driven insights.
• Ability to communicate findings and recommendations to non-technical stakeholders.
• Exposure to financial products and services and market trends and their impact on data analysis.

Qualifications (Minimum)

• Bachelor's Degree in Analytical/Data/Technical or Other

Qualifications (Ideal or Preferred)

• Honours Degree in Analytical/Data/Technical or Other

Knowledge

• Basic understanding of basic SQL commands and queries to extract and manipulate data.
• Proficiency in using Excel for data analysis, including functions, pivot tables, and basic formulas.
• Familiarity with basic features of Data Visualization Tools Power BI, or similar.
• Basic knowledge of programming languages (such as Python or R)  for data analysis tasks.
• Understanding of fundamental statistical concepts and their application in data analysis.
• Understanding of data cleaning techniques to ensure data quality.
• Knowledge of descriptive statistics to summarize and describe data.

Skills

• Analytical Skills
• Attention to Detail
• Communications Skills
• Computer Literacy (MS Word, MS Excel, MS Outlook)
• Problem solving 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 policies and processes across more than one workstreams.
• Ensure the quality delivery of insights based on qualitative analysis, and the application thereof to influence credit decision making.

Education (Minimum)

• National Diploma in Economics or Commerce

Education (Ideal or Preferred)

• A relevant degree in Economics or Commerce

Knowledge and Experience
Minimum:  

• 6 - 8 years’ experience in retail credit (policy and process enhancement).
• In case of Bachelors degree or higher: 5 - 7 years experience
• Previous leadership experience
• Portfolio specific experience

Ideal:  

• Capitec Bank experience

Skills

• Analytical Skills
• Communications Skills
• Influencing Skills
• Leadership Skills
• Presentation Skills
• Project Management Skills (Methodolgy Specific)
• Reporting Skills
   

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Purpose Statement

• To play a pivotal role in supporting strategic decision-making related to equity investments, monitoring and reporting on investment performance, ensuring good corporate governance and driving enterprise development initiatives.

Experience

• 5–10 years of experience in corporate finance, investment analysis, enterprise development, or related fields.
• Proven track record in evaluating investment opportunities and managing portfolios.
• Experience working independently and collaboratively in a fast-paced environment.
• Stakeholder engagement and relationship-building to achieve objectives. 

Ideal:

• Exposure to managing investment portfolios, impact investing SME development or B-BBEE-compliant vehicles.
• Evaluating and executing investments in SMMEs.
• Designing and administering grant funding programs.
• Building partnerships with incubators, accelerators and industry bodies.

Qualifications (Minimum)

• Bachelor's Degree in Finance or Economics

Qualifications (Ideal or Preferred)

• Qualified Chartered Accountant (CA)

Knowledge

• Deep understanding of B-BBEE legislation and ESD frameworks.
• Investment analysis or portfolio management knowledge
• Financial modelling, valuation techniques and investment analysis.
• Corporate Finance Principles: Capital structure, cost of capital, working capital management, and capital budgeting.
• South African SMME ecosystem and enterprise development trends.
• Regulatory environment affecting ESD and strategic investments.

Skills

• Commercial Thinking Skills
• Communications Skills
• Problem solving skills
• Project Management Skills (Methodolgy Specific)
• Researching skills
• Strategic Thinking Skills

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About the team

• We work in the electronic payments space, supporting systems that process large volumes of transactions every day. Our work plays a critical role in how money moves through the business. We collaborate across technology, product and operations to ensure payments are fast, accurate and dependable.

Why this role is different

• We work on systems that have real, visible impact at scale
• We give engineers space to influence design and improve how things are built
• We balance delivery with quality, stability and responsible engineering
• We value collaboration, learning and clear ownership over hierarchy

What we’re looking for

• 3 – 6 years’ proven experience in both front- and back-end software development, project delivery and implementation (in relevant development technologies/language).
• Experience with modern front-end and back-end frameworks and technologies
• Experience building full‑stack applications using Java
• Confidence working across both back‑end and front‑end components
• Experience supporting systems that need to be reliable and secure
• Ability to solve problems, improve existing code and work through complexity
• A practical, team‑focused mindset with a strong sense of responsibility
• AWS Certification – Ideal

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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About the Role

• We are looking for a highly skilled Software Engineer to join our Cash Devices team on a permanent basis. This role focuses on the development, integration, and support of custom ATM solutions, forming a critical part of the software platform that supports Capitec’s ATM estate.
• This is a specialist role combining strong Postilion expertise with SDK‑based Java development, with a primary focus on configuration, integration, and operational stability, rather than pure greenfield software development. The role is based in Stellenbosch, where hands‑on access to the ATM lab environment is required.

Key Responsibilities

• Develop and maintain custom applications and interfaces using the Postilion SDK
• Build and support Cash Devices applications and device integration solutions (ATM, POS, etc.)
• Customise and extend Postilion functionality to meet business and operational requirements
• Develop and maintain SDK‑based integrations using Java
• Support and upgrade integration drivers between devices and ATM applications
• Provide technical support, troubleshooting, and issue resolution for Postilion‑related systems
• Collaborate with cross‑functional teams including QA, infrastructure, and business analysts
• Support patching, upgrades, and lifecycle management of ATM software platforms

Our Ideal Candidate Has
Minimum 5 years’ experience in a Postilion systems role, including exposure to:

• Postilion Realtime
• PostCard
• Postilion Office
• ATM Application environments
• Minimum 5 years’ current experience with either:
• Postilion SDK or
• Java development in integration‑heavy environments
• Strong understanding of ISO 8583 messaging and ATM transaction flows
• Experience with ATM device protocols (e.g. Diebold 912, NCR NDC)
• Experience working with modern source control systems (Git / GitHub), including branching, merge requests, and code reviews
• Scripting experience (preferably PowerShell or Python)
• Solid database knowledge; SQL Server experience preferred
• Strong analytical, troubleshooting, and debugging skills
• Excellent communication and documentation abilities
• Experience in banking, fintech, payments, or switching platform environments

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