Capitec Bank is a South African commercial bank. As of February 2017 the bank was the third largest in South Africa with 120,000 customer opening new accounts per month.
To simplify banking, we’ve developed an all-inclusive banking solution. Global One is the one solution that enables you to transact, save and access credit in realtime. We also believe in ...
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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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About the role
- Are you a data visionary who loves turning complexity into clarity? At Capitec Business Bank, we’re building the bank of the future – and that means rethinking how we enable data at scale to power decisions, AI, and client experiences. As our Lead Data Architect, you’ll help shape the blueprint that empowers our teams to self-serve, innovate, and move faster – all while keeping things lean, scalable, and trusted. If you thrive on cutting through the noise to build elegant, future-fit data ecosystems, this is your chance to lead with purpose and help us make banking simpler for millions
Minimum Experience
- Bachelor’s or master’s degree in computer science, Engineering, Information Systems, Mathematics, Physics or related field.
- Certifications in cloud (e.g., AWS Certified Data Analytics, AWS Certified Data Engineer, Solutions Architect), data architecture (e.g., DAMA CDMP), or TOGAF.
- Understanding of AI/ML model lifecycle and its data architecture implications
You will need at least 7 years experience in the following:
- Enterprise Data Strategy: Define and evolve the data architecture strategy aligned to business and AI goals (e.g., data mesh, data fabric, or data platform architecture).
- Architecture Governance: Establish and enforce data standards, design patterns, and best practices for data platforms, pipelines, and models.
- Solution Architecture: Design and review end-to-end data solutions across domains including operational data stores, data lakes, data warehouses, semantic layers, and feature stores.
- Cloud Enablement: Architect scalable, secure, and cost-effective cloud-native or hybrid data platforms (AWS preferably or alternatively other cloud platforms).
- Data Modelling: Lead enterprise-wide modelling standards – including conceptual, logical, and physical data models; support semantic modelling for self-service.
- Team & Stakeholder Leadership: Mentor data engineers and architects, collaborate with cross-functional teams (AI, Analytics, product, engineering, risk, compliance), and influence data leadership forums.
- Innovation & Evaluation: Assess and recommend new tools, technologies, and frameworks (e.g., Lakehouse, knowledge graphs, event-driven architecture).
- Security & Compliance: Ensure data architecture adheres to governance, regulatory, privacy (e.g., POPIA, GDPR), and cybersecurity standards.
Knowledge
Minimum:
Must have detailed knowledge of:
- Data Warehouse Development Life Cycle
- Dimensional modelling
- Financial systems and procedures
- UML or equivalent modelling language
- Technical Test Plan Design
- IT systems development processes
- Application development
- Standards and governance
- AI/ML Modeling Infrastructure and feature store development
Ideal:
Detailed knowledge of:
- Banking systems environment
- Banking business model
- Agile development life cycle
- Best practices for Quality Assurance (QA)
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Purpose Statement
- To ensure seamless delivery and continious improvement of Soft Services within the Facilities environment, enhancing user experiencing and operational efficiency through proactive coordination and stakeholder engagement. (Soft services - Cleaning/deep cleaning/hygiene/pest control/waste management/shredding)
Experience
Minimum/ideal:
- At least 2 + years experience in Facilities /Hotel Management in a professional environment.
- Experience in people management/supervision of staff
- Stakeholder liaison and management - dealing with 3rd party service providers.
Qualifications (Minimum)
- Grade 12 National Certificate / Vocational
- A relevant qualification in Hospitality or Similar
Qualifications (Ideal or Preferred)
- A relevant tertiary qualification
Knowledge
Minimum/ideal:
- Understanding of Facilities /Hospitality environment.
- Compiling and generating reports and metrics
- SAP system knowledge
- Internal and external communication methods and practices
- Stakeholder and relationship building and management
Skills
- Communications Skills
- Computer Literacy (MS Word, MS Excel, MS Outlook)
- Interpersonal & Relationship management Skills
- Negotiation skills
- Planning, organising and coordination skills
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Purpose Statement
- To support the Product Head in producing the best product; optimising the product through directing the building and development of the product throughout its life cycle, partnering and collaborating with the Software Development Manager and teams around the sequence/priority in which to build and develop the product.
Education (Minimum)
Education (Ideal or Preferred)
Knowledge and Experience
Minimum:
Experience:
- At least 8 years’ management experience; senior level product development or product manager/owner
- 5+ years’ experience managing, developing and delivering a product previously.
- Working at tactical and operational levels and providing input into product strategy and business planning.
- Integrating business and technical product segments to achieve objectives, delivery and targets.
- Career experience to include some time in one or more technical roles.
- Communicating with technical and non-technical stakeholders across multiple business units.
- Authoring of documents relating to product life cycle including business plans, product roadmap, business cases and requirements and functional specifications.
- Scoping/running usability studies and/or customer research.
- Using data and metrics to test theories, confirm assumptions, and measure success
- Client development and validating products through customer feedback.
- Aligning operational initiatives and/or projects to corporate strategies and objectives
- Achieving goals and objectives through cross functional teams.
- Managing and working with remote / hybrid teams.
- Leading and managing multi-functional teams to deliver
- Business development in a banking/financial landscape
Knowledge:
- Financial acumen sufficient for budget management
- Translation of product strategies into tactical and operational planning
- Systems thinking; able to take a ‘big picture’ view, assess, recommend logical, sound decisions and influence others to achieve objectives.
- Relevant product expertise and process know-how
- Agile product ownership and methodology
- Domain specific knowledge, business insight, understanding of product technology, technical dependencies
- People management principles and techniques
- Stakeholder management principles and practices
- Data-driven approach; analytical and quantitative skills.
- Technologically literate and able to adapt to new technologies
Ideal:
Experience:
- Product development experience in the product domain at management level
- Working with Agile product ownership and methodology
- Of translating and enabling business strategies and objectives into business benefits
- Initiation and implementation of innovative concepts
Knowledge:
- Capitec Way of Work
- In-depth knowledge and understanding of banking (i.e. productivity, profit, efficiency, processes and procedures and client service)
- Continuous improvement best practices (Lean, 6-Sigma, Theory of constraints, PDCA, etc.)
- Process mapping and process improvements techniques
Skills
- Analytical Skills
- Attention to Detail
- Commercial Thinking Skills
- Communications Skills
- Interpersonal & Relationship management Skills
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The Experience & Skills You Need
- Degree in Actuarial Science, Mathematics, or related field.
- Progress toward actuarial qualification (e.g. ASSA, IFoA).
- Experience in insurance or financial services preferred.
- Strong experience in Python-based actuarial modelling and automation.
- Familiarity with IFRS17 and FSI reporting frameworks
- Skilled in developing predictive models for policyholder behaviour (e.g. lapse, mortality, retrenchment).
- Experience in conducting experience investigations and assumption setting.
Your key Responsibilities and Impact
- You will support Capitec Insurance by enhancing financial performance through actuarial modelling, automation of valuation processes, and predictive analytics. You will play a key role in building and maintaining models that inform pricing, risk scoring, and reporting frameworks.
Key responsibilities include:
- Maintaining and enhancing actuarial data infrastructure.
- Implementing control frameworks to ensure data integrity and model governance.
- Collaborating with cross-functional teams to align technical outputs with business needs
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Purpose Statement
Assume end-to-end responsibility for a credit intelligence workstream through:
- Leading and guiding the delivery of complex analytical output.
- Leading the identification, development, implementation and maintenance of new credit intelligence strategies and solutions
- Address business problems relative to credit intelligence workstream.
- Building and maintaining new statistical models to inform credit intelligence decision making.
- Providing guidance and technical oversight to junior team members
Experience
Minimum:
- 4 - 6 years’ experience in retail credit analysis (including programming in SQL / SAS / R / Python, descriptive and diagnostic analytics, statistical modelling, and data visualisation).
- In case of Honours degree: 3 - 5 years’ experience in retail credit analysis (including SQL programming and descriptive analytics).
- Credit intelligence performance and optimisation.
Ideal:
- Experience in assuming a leadership role during a project.
- Portfolio specific experience
- Capitec Bank experience
Qualifications (Minimum)
- Bachelor's Degree in Finance or Statistics
Qualifications (Ideal or Preferred)
- A relevant post graduate degree in Finance or Statistics
Skills
- Communications Skills
- Leadership Skills
- Presentation Skills
- Reporting Skills
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About The Role/Team
- Are you a passionate engineer ready to thrive in a dynamic environment? The Native App Platform Team at Capitec is looking for you. We're a team of about 20 engineers building the foundational platform that delivers Capitec's Banking App to millions of South Africans. Our work covers the native apps, frontend platform architecture and backend services and APIs, placing us at the heart of innovation for all Capitec products.
- We're looking for a test automation engineer to help shape the future of our mobile channel, focusing on key areas like app security, fraud prevention, and unwavering stability. You'll tackle the challenge of making our app efficient, responsive, and reliable across a wide range of devices, ensuring even the most resource-constrained hardware provides an enjoyable experience. A major project on our horizon is building our own device testing farm to include the devices our clients rely on, and your expertise will be vital.
- In our team, we value building trust and autonomy. We foster an environment of continuous improvement and experimentation with the best tech needed to get the job done. Collaboration and communication are key, but we also like to have fun and not take ourselves too seriously.
- The ideal candidate embraces new technology, challenges bad ideas, and loves finding better ways of doing things. You'll need to write automated tests and have a deep empathy for our clients. We want someone who can help us raise our own standards and bring something new to the team. If you're ready to make a tangible impact in a supportive, forward-thinking environment, apply now and help us build something exceptional.
What We Are Looking For
- 3 – 5 years of Quality Assurance (QA) testing experience in a business environment
- Hands-on experience with test automation.
- Knows how to use generative AI to be more impactful and productive.
- Strong front-end testing experience, and a working knowledge of back-end testing to support basic backend testing efforts.
- Strong understanding of end-to-end testing processes.
- Able to assess the impact of software changes across systems.
- Solid knowledge of the full Software Development Lifecycle (SDLC).
- Understands common software faults and how to identify them.
- Exposure to a variety of software domains and applications under test.
- Applied best practices in software/hardware testing and Software Quality Assurance (SQA).
- Proficient in test reporting, defect tracking, and follow-up processes.
- Experience in a Financial/Banking Systems environment is ideal.
- A proactive self-starter who adapts easily and thrives in dynamic, growth-focused environments
Education
- A relevant tertiary qualification in Software Testing (minimum)
- Software Testing - Foundation Level through the International Software Testing Qualification Board (ISTQB) is ideal
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About Our Finance Department
- Our Financial Management team is at the heart of Capitec’s strategic goals, driving financial excellence, innovation, and long-term business growth. We are transforming into a highly strategic, tech-driven function, leveraging AI, data analytics, and automation to stay ahead of industry trends and continuously improve our financial processes. The role of finance professionals at Capitec is evolving from transactional tasks to more strategic and advisory responsibilities, focusing on real-time insights, integrated systems, and data-driven decision-making, all while emphasizing sustainability and risk management.
Your Key Responsibilities and Impact
- You will be responsible for insurance reporting, covering financial reporting, business planning, budgeting, and management reporting. It requires a highly skilled Chartered Accountant with strong technical accounting expertise, particularly in IFRS 17, and experience in the financial services industry, specifically insurance.
Key Functions
- CA(SA) qualification required with a Bachelor's degree in Accounting, Finance, or a related field.
- 3+ years of experience in Insurance & IFRS 17.
- Strong knowledge of technical accounting and analysis.
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About the role:
- This role will form part of the Credit Applications Department within our Business Bank, which handles credit applications, including overdrafts, credit cards, and term loans. The Level III Software Engineer is integral to the full software development lifecycle, from concept to deployment and 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.
Our ideal candidate has:
- Grade 12 National Certificate (Minimum)
- A relevant tertiary qualification in Information Technology (Preferred)
- 6+ years’ proven experience in back-end software development, project delivery and implementation (in relevant development technologies/language). Experience with back-end frameworks and technologies
- Proficiency in designing and implementing RESTful APIs and microservices, leveraging event-driven architectures using technologies such as Kafka, AWS Event Bridge, or RabbitMQ to enable asynchronous processing, real-time data streaming, and scalable system interactions
Tech Stack
- C#
- PostgreSQL
- AWS
- DevOps (Beneficial)
Skills:
- Analytical Skills
- Attention to Detail
- Communications Skills
- Interpersonal & Relationship management Skills
- Problem solving skills
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About this role:
- As a Senior Data Scientist at Capitec, your purpose is to drive the Capitec’s AI strategy, with the unique opportunity to shape and own this vision from the ground up. This involves leveraging advanced, practical knowledge of state-of-the-art machine learning principles and techniques—including deep learning, natural language processing (NLP), and reinforcement learning—to develop innovative models and solve complex business challenges. You will be responsible for designing, implementing, and optimising predictive models and intelligent algorithms to uncover actionable insights that drive strategic decision-making across departments.
- The role also includes the full machine learning lifecycle, from data preprocessing and experimental design to production-level model deployment. As a Senior Data Scientist, you will gather requirements and manage stakeholder engagement across the business, including executive-level management. Additionally, you will bring expertise in deep learning frameworks such as TensorFlow and PyTorch, while mentoring junior data scientists to foster a collaborative and growth-oriented team environment.
Our ideal candidate has:
- 6+ years of experience in a Senior Data Science role
- Master’s degree or higher in any of the following field statistics, mathematics, computer science, physics
- Hands on experience deploying AI/ML solutions in real-world applications
- Experience with advanced data science principles including NLP, deep learning, reinforcement learning, or time-series modeling.
- Python/R experience and relation/Non-relational databases.
- Familiarity with modern deep learning frameworks (Pytorch, Tensorflow)
- Stakeholder engagement management up to executive management.
- Github experience or Git
Ideal:
Competencies:
- Strategic thinking
- Leadership ability
- Problem solving skills
- Decision making skills
- Researching skills
- Project Management skills
- Planning, organising and coordination skills
Education:
- Completed a master’s degree or higher
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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 Front-end Software Engineer plays a crucial role in building solutions that create great client experiences for mobile and web applications. They are responsible for translating design mockups into interactive and user-friendly interfaces, with a focus on intuitive user experiences.
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 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
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Purpose Statement
- To support with the day to day running and maintenance of portfolios by providing a central office-bound contact point for customer service queries/ requests, administration assistance and adding value to clients through the identification of cross-selling opportunities, monitoring all loan facilities in the portfolio on a daily basis against set parameters/ conditions.
Experience
Minimum:
- At least 5 years, of which 1 year should have been spent in the Business Banking environment.
- Experience in preparing and motivating Credit applications is essential
Qualifications (Minimum)
- Diploma in Commerce or Banking
Qualifications (Ideal or Preferred)
- Bachelor's Degree in Banking or Commerce
Knowledge
Minimum:
- The features, benefits and value propositions of respective company product/service offerings.
- General banking practices and procedures.
- Understanding of how Business Banking operates, as well as understanding the business risks, industry risks and financial requirements pertaining to the business market
- Credit principles and practices, including an understanding of credit application, securities and balance sheet requirements. .
- The Financial Intelligence Centre Act (FICA).
- Administration processes and procedures pertaining to Business Banking transactions.
- Client relationship management and service principles.
Ideal:
- Competitor product offerings/ channels/ operational and marketing tactics would be advantageous.
- Capitec/Business Bank systems and processes
Skills
- Communications Skills
- Negotiation skills
- Problem solving skills
- Analytical Skills
- Planning, organising and coordination skills
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Purpose Statement
- The level I 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 expected to support and collaborate with other Software Engineers and the delivery team, actively participating in problem-solving and contributing to the development and success of projects.
- The Front-end Software Engineer plays a crucial role in building solutions that create great client experiences for mobile and web applications. They are responsible for translating design mockups into interactive and user-friendly interfaces, with a focus on intuitive user experiences.
Education (Minimum)
- Grade 12 National Certificate / Vocational
Education (Ideal or Preferred)
- A relevant tertiary qualification in Information Technology
Knowledge and Experience
Experience:
- 1 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
- Programming foundations
- Responsive design principles and mobile-first development.
- Browser compatibility issues and performance optimisation.
- Front-end build tools and package managers
- Version Control
- Testing practices
Skills
- Analytical Skills
- Attention to Detail
- Communications Skills
- Interpersonal & Relationship management Skills
- Problem solving skills
Method of Application
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