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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...
Purpose Statement
To monitor and manage credit risk by ensuring that the credit granting policy is correctly applied within the bank. Gathering relevant granting and application intelligence and deriving effective and useable management insight.
To design and propose Tactical Credit Granting Policy Solutions.
Qualifications (Minimum)
Honours Degree in Finance or Risk Management
Qualifications (Ideal or Preferred)
Masters Degree in Finance or Statistical Sciences
Experience
Minimum (Level Dependent):
Level 1
Relevant post gradauate degree only
Level 2
2 years retail credit analysis experience (incl. SQL programming)
Level 3
4 years retail credit analysis experience (incl. SQL programming)
Ideal:
Capitec Bank experience
Knowledge
Min (Level Dependent):
Retail credit lifecycle
Retail credit market
Retail credit IT systems architecture
Database querying software (including SQL)
National Credit Act (NCA)
Consumer Protection Act (CPA)
Banks Act and Basel III Risk Framework
Protection of Personal Information Act (POPI)
Project management principles
Credit affordability assessment regulations
Ideal:
Capitec Bank’s credit policy and systems
Skills
Communications Skills
Reporting Skills
Presentation Skills
Interpersonal & Relationship management Skills
Facilitation Skills
Commercial Thinking Skills
Project Management Skills (Methodolgy Specific)
Analytical Skills
Numerical Reasoning skills
Computer Literacy (MS Word, MS Excel, MS Outlook)
SQL Skills
Competencies
Delivering Results and Meeting Customer Expectations
Deciding and Initiating Action
Adhering to Principles and Values
Applying Expertise and Technology
Analysing
Persuading and Influencing
Formulating Strategies and Concepts
Coping with Pressures and Setbacks
Conditions of Employment
Clear criminal and credit record
Purpose Statement
To recommend strategic changes to credit policy so that retail credit portfolios are operating at their optimal by ensuring the bank stays on bad debt risk appetite.
To determine how bad debts are performing against budgets/forecasts and pricing targets, and to monitor actual bad debts against pricing target to ensure alignment with risk appetite.
To enable clarity and understanding of bad debt matters within the Retail Credit Team, the Executive and Board
Promote efficiency and clarity by:
reporting on the impact of bad debts (including recoveries) on credit portfolio profit in a clear and reconciled manner;
establishing a shared language, way of work and shared tools, across departments involved in bad debt management and reporting.
Experience
Minimum:
Proven track record on SQL, SAS, R or Python
At least 7 years’ proven experience in Credit within the financial services / retail banking industry
At least 3 years’ experience in bad debt provisions or collections, pricing and profitability measurement as well as related systems, processes and procedures
Experience in:
Drafting business plans, presenting and finalising strategies
Business analysis: Design and implementation of processes and procedures
Ideal:
At least 5 – 6 years’ experience in bad debt provisions or collections, pricing and profitability measurement as well as related systems, processes and procedures in retail banking
Experience in Capitec
Qualifications (Minimum)
A relevant tertiary qualification in Accounting - Management Accounting or Mathematics
Qualifications (Ideal or Preferred)
Masters Degree in Accounting - Management Accounting or Mathematics
Knowledge
Minimum:
Credit statistics
Business Analytics
Understanding of accounting, budgeting, pricing and provisioning principles in a bank
Income statement and balance sheet accounting transactions of a bank
Project management principles and methodologies (able to maintain continuity on multiple projects, time management, planning and organisational skills)
Financial systems & procedures
Regulations pertaining to credit management
Credit management systems
Unsecured credit, including credit facilities and credit cards
Ideal:
In depth knowledge of Capitec’s Credit Policy
General understanding of the Banks Act Capital Regulations, National Credit Act and the implication for Capitec business and the Credit Bureau
Strong credit industry knowledge
Business analysis experience on a banking system
Analytical experience on credit portfolio
Bank governance experience (ALCO, Risk Committee, Credit Committee, etc)
Book management – soft and hard collections and pay date management
Payment systems (Authenticated Collections, Debit Order and Non-Authenticated Early Debit Order)
Skills
Computer Literacy (MS Word, MS Excel, MS Outlook)
Communications Skills
Negotiation skills
Change Management Skills
Numerical Reasoning skills
Attention to Detail
Competencies
Deciding and Initiating Action
Adhering to Principles and Values
Analysing
Coping with Pressures and Setbacks
Adapting and Responding to Change
Delivering Results and Meeting Customer Expectations
Planning and Organising
Working with People
Presenting and Communicating Information
Entrepreneurial and Commercial Thinking
Conditions of Employment
Clear criminal and credit record
Purpose Statement
The purpose of this role is to perform analysis and programming duties in the development, implementation and support of remote banking related applications of a digital payments nature in accordance with specific business requirements.
Experience
Minimum:
Essential experience in the following development languages is required:
XML, JAVA, SQL, Open API (Swagger), Spring, Rest Services, Maven
Ideal:
Payments related experience (mobile payments, QR, money transfers, Card)
Experience in the following development languages:
CI/CD, Dev Ops, Cloud (Azure, AWS)
7 years’ proven software development in a banking or fintechs related industry.
Qualifications (Minimum)
Grade 12 National Certificate / Vocational
Qualifications (Ideal or Preferred)
Bachelor's Degree in Information Technology or Information Technology - Computer Science
Knowledge
Minimum requirements of the following areas:
IT systems development processes (SDLC)
Application development
Standards and governance
Agile development life cycle
Testing practices
Ideal:
UML
Systems analysis and design
System architecture (technical design and implementation processes)
Docker, Kubernetes and cloud based environments (e.g. AWS and Azure)
Payments related knowledge (mobile payments, QR, money transfers, Card)
Banking systems environment
Banking business model
Best practices for Quality Assurance (QA)
Object Orientated Development environment (i.e. Java, Spring Framework, JBoss, Hibernate)
Skills
Communications Skills
Analytical Skills
Problem solving skills
Competencies
Achieving Personal Work Goals and Objectives
Delivering Results and Meeting Customer Expectations
Working with People
Conditions of Employment
Clear criminal and credit record
Purpose Statement
To provide support to the relevant value stream/ business area through component or analytics teams; business level interaction with clients to ensure clear understanding of the core business requirements for efficient support and development of appropriate analyses and reports for the business.
To co-ordinate the daily allocation to and progress on specific tasks of a dedicated analytics or delivery team to ensure delivery according to the Capitec recipe and agile way of work, within agreed timeframes.
To manage and support a team through providing clear direction in terms of delivery, providing technical support, aiding in the development of goal plans, and assisting in the setting and achieving of career development goals.
Experience
Minimum:
At least 2 years’ experience in leadership or management role in the technology and/or data environment.
At least 5 years experience in an analytics role, (BIBA, BI Analyst, Data Science, Decision Scientist) including experience in and understanding of relational database structures and data extraction principles
In an environment which required validating work
Stakeholder relationship engagement and management
Responsibility for delivery (own and team) in a fast moving environment
Functional experience relevant to the value stream or component team area.
Ideal:
Experience gained in a banking/financial services environment.
Agile methodology experience
Experience in a technical; support function
Qualifications (Minimum)
Bachelor's Degree in Data Analysis or Information Technology - Systems Engineering
Qualifications (Ideal or Preferred)
Honours Degree in Data Analysis or Information Technology - Systems Engineering
Knowledge
Minimum:
Data Analytics Life Cycle
Analytics problem methodologies
General business/financial systems & procedures
Relational Database data extraction principles
People management practices
Business acumen
SQL
Stakeholder relationship management principles
Ideal:
Capitec Bank environment and products
The particular operational area (value stream / component team) in which the role will operate.
Skills
SQL Skills
Leadership Skills
Decision making skills
Interpersonal & Relationship management Skills
Analytical Skills
Communications Skills
Attention to Detail
Management skills
Planning, organising and coordination skills
Competencies
Deciding and Initiating Action
Leading and Supervising
Working with People
Presenting and Communicating Information
Planning and Organising
Delivering Results and Meeting Customer Expectations
Adapting and Responding to Change
Coping with Pressures and Setbacks
Conditions of Employment
Clear criminal and credit record
A valid driver's license and own vehicle is required
Purpose Statement
To establish, grow, lead and manage the Purpose Lending: Home Finance product and service offering,
To enable the Purpose Lending: Home Finance Function with the capacity to deliver quality products and services.
To influence, develop and implement the Purpose Lending: Home Finance business plan and strategy in order to contribute to the revenue growth of the bank.
Experience
Minimum:
3-5 years’ experience in the Retail, Finance or Banking industry
Applying business and commercial acumen and building/driving new business..
Negotiating and contracting complex and high value agreements and deals.
Product lifecycle management.
Product ownership, design and marketing.
Leading and managing internal and external teams.
Building stakeholder relationships/ partnership relationships.
Ideal:
Home loans and low cost housing experience in both Greenfields and mature business spaces.
Business ownership, design and marketing in relation to new product life cycle.
Qualifications (Minimum)
Bachelor's Degree in Retail or Business Administration
Qualifications (Ideal or Preferred)
Masters Degree in Commerce or Business Administration
Knowledge
Minimum:
Commercial know how and understanding
Operations management principles and practices
Understanding of South African consumer trends
Defining and driving strategies for new products
Loan/credit structures
Retail knowledge and experience
Understanding of the integration of multiple omni-channels
People management principles and practices.
Marketing principles and practices
South African legislative requirements (FICA, NCA, CPA, POPI)
Ideal:
South African home loans and low cost housing landscape
Specific retail Home loans and low cost housing knowledge
Have knowledge of international housing landscape and trends
Skills
Commercial Thinking Skills
Decision making skills
Interpersonal & Relationship management Skills
Negotiation skills
Problem solving skills
Competencies
Deciding and Initiating Action
Relating and Networking
Planning and Organising
Delivering Results and Meeting Customer Expectations
Working with People
Presenting and Communicating Information
Creating and Innovating
Entrepreneurial and Commercial Thinking
Conditions of Employment
Clear criminal and credit record
Purpose Statement
To establish, grow, lead and manage the Purpose Lending: Retail Credit product and service offering.
To enable the Purpose Lending: Retail Credit Function with the right partnerships and the capacity to deliver quality products and services.
To develop and implement the Purpose Lending: Retail Credit business plan and strategy in order to contribute to the revenue growth of the bank.
Experience
Minimum:
3-5 years’ experience in the Retail, Finance or Banking industry
Applying business and commercial acumen and building/driving new business..
Negotiating and contracting complex and high value agreements and deals.
Product lifecycle management.
Product ownership, design and marketing.
Leading and managing internal and external teams.
Building stakeholder relationships/ partnership relationships.
Ideal:
Education, medical, and retail credit experience in both Greenfields and mature business spaces.
Business ownership, design and marketing in relation to new product life cycle.
Qualifications (Minimum)
Bachelor's Degree in Commerce or Business Administration
Qualifications (Ideal or Preferred)
Masters Degree in Commerce or Business Administration
Knowledge
Minimum:
Commercial know how and understanding
Operations management principles and practices
Understanding of South African consumer trends
Defining and driving strategies for new products
Loan/credit structures
Retail knowledge and experience
Understanding of the integration of multiple omni-channels
People management principles and practices.
Marketing principles and practices
South African legislative requirements (FICA, NCA, CPA, POPI)
Ideal:
Operating practices and norms within the retail construction industry, education, medical and retail credit landscape
Have knowledge of international retail construction, education, medical and retail credit landscape landscape and trends
Skills
Commercial Thinking Skills
Decision making skills
Interpersonal & Relationship management Skills
Negotiation skills
Problem solving skills
Competencies
Deciding and Initiating Action
Relating and Networking
Creating and Innovating
Planning and Organising
Delivering Results and Meeting Customer Expectations
Entrepreneurial and Commercial Thinking
Working with People
Presenting and Communicating Information
Conditions of Employment
Clear criminal and credit record
Purpose Statement
To provide administrative service and support to Capitec Bank’s clients; utilizing product knowledge to attend to enquiries and complaints relating to account information and card transactions.
To provide support to all clients making use of Capitec Bank’s Internet Banking and Mobile Banking services.
Experience
Minimum:
1 - 2 years inbound contact centre
Customer service experience
Qualifications (Minimum)
Grade 12 National Certificate / Vocational
Qualifications (Ideal or Preferred)
n/a
Knowledge
Minimum:
Call centre processes and procedures
Customer care and service protocol
Skills
Communications Skills
Problem solving skills
Telephonic / Call skills
Attention to Detail
Competencies
Achieving Personal Work Goals and Objectives
Delivering Results and Meeting Customer Expectations
Working with People
Conditions of Employment
Clear criminal and credit record
Willing to work regular shifts or weekends or rotational standbys
Purpose Statement
Responsible for task design and task & project development of Capitec Bank Back-End applications according to specifications
Experience
Min:
At least 5+ years’ proven experience in Cobol development within an on-line and / or batch environment
Proven BANCS experience and / or successful completion of internal BANCS 1 training
Experience in the following development languages:
Minimum
Cobol
SQL
JCL (Job Control Language) or equivalent
Ideal
Unix
Qualifications (Minimum)
Grade 12 National Certificate / Vocational
Qualifications (Ideal or Preferred)
A relevant qualification in Information Technology
Knowledge
Min:
Knowledge of:
IT systems development processes
Application development
Standards and governance
Testing practices
Banking systems environment
Ideal:
Knowledge of:
System architecture (technical design and implementation processes)
Solid understanding of:
Banking business model
Best practices for Quality Assurance (QA)
Skills
Communications Skills
Interpersonal & Relationship management Skills
Influencing Skills
Negotiation skills
Facilitation Skills
Presentation Skills
Analytical Skills
Problem solving skills
Commercial Thinking Skills
Attention to Detail
Planning, organising and coordination skills
Competencies
Adhering to Principles and Values
Analysing
Applying Expertise and Technology
Coping with Pressures and Setbacks
Delivering Results and Meeting Customer Expectations
Conditions of Employment
Clear criminal and credit record
Purpose Statement
Responsible for planning, directing and coordinating the activities of multiple smaller projects or one larger project, to ensure that all the goals are accomplished.
Experience
Min:
At least 5 - 8 years’ proven experience in an administrative or related junior project management role (project / task coordination & resource capacity planning using a shared pool of resources within a similar environment)
Qualifications (Minimum)
A relevant qualification in Project Management
Grade 12 National Certificate / Vocational
Qualifications (Ideal or Preferred)
PMI Accredited Project Management Certification
Knowledge
Min:
General knowledge of :
Systems Development Life Cycle
Project management methodologies
Ideal:
Knowledge of:
Project Management systems and procedures (e.g. EPM)
Project Management terminology and guidelines (e.g. PMBoK)
Systems integration in an open IT system environment
IT within the banking industry
Skills
Communications Skills
Computer Literacy (MS Word, MS Excel, MS Outlook)
Interpersonal & Relationship management Skills
Influencing Skills
Facilitation Skills
Planning, organising and coordination skills
Attention to Detail
Competencies
Delivering Results and Meeting Customer Expectations
Deciding and Initiating Action
Adapting and Responding to Change
Persuading and Influencing
Presenting and Communicating Information
Planning and Organising
Following Instructions and Procedures
Relating and Networking
Conditions of Employment
Clear criminal and credit record
A valid driver's license and own vehicle is required
Purpose Statement
We are looking for a Developer to join the Digital Client Engagement team at Capitec Bank. The team is building the Chat ecosystem at Capitec Bank.
The role will encompass both backend and front end development.
Experience
5 years’ proven experience in software development
As a developer, you will be writing containerized micro services using Node.js core and frontends using web components.
Experience with other languages especially C# or any functional language would be advantageous.
The solutions developed by the wider team range from purely on-prem, to hybrid and cloud (AWS) based systems.
You will be exposed to Chatbots, AWS, NLP, Web development
Qualifications (Minimum)
Grade 12 National Certificate / Vocational
Qualifications (Ideal or Preferred)
A relevant tertiary qualification in Information Technology
Knowledge
Min:
Must have detailed knowledge of:
IT systems development processes (SDLC)
Application development
Testing practices
Ideal:
Knowledge of:
UML
Systems analysis and design
Banking systems environment
Skills
Communications Skills
Interpersonal & Relationship management Skills
Analytical Skills
Problem solving skills
Competencies
Applying Expertise and Technology
Analysing
Learning and Researching
Creating and Innovating
Delivering Results and Meeting Customer Expectations
Following Instructions and Procedures
Adapting and Responding to Change
Additional Information
A valid driver's license and own vehicle is preferred
Clear criminal and credit record
Willingness to work or be available overtime and / or weekends if required
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