Job Opportunities at Capitec Bank

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

Conditions of Employment

• Clear criminal and credit record
• Willingness to work flexible hours (including Saturdays and Public Holidays)

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Purpose Statement

• To analyse the technical specifications to identify the business requirements.
• To prepare and execute test cases.

Experience

Min:

• 2 – 3 years proven formal experience in QA testing within a similar environment

Ideal:

• 2+ years Capitec Bank IT system exposure
• Experience in integration, regression, automation and non-functional testing
• Exposure to testing tools
• Release management exposure

Qualifications (Minimum)

• Grade 12 National Certificate / Vocational
• A relevant qualification in Software Testing

Qualifications (Ideal or Preferred)

• A relevant tertiary qualification

Knowledge
Min:

Detailed knowledge of:

• The full IT project lifecycle (SDLC)
• Financial/Banking Systems
• Formal testing practices
• Software and hardware testing

Ideal:

• Application of test tools
• Release management
• UML
• Test Automation
• Capitec Bank IT related systems

Skills

• Communications Skills
• Interpersonal & Relationship management Skills
• Negotiation skills
• Influencing Skills
• Planning, organising and coordination skills
• Analytical Skills
• Problem solving skills
• Attention to Detail
• Commercial Thinking Skills

Conditions of Employment

• Clear criminal and credit record

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Purpose Statement

• To contribute to the design and development of new applications / systems to meet the business requirements of the Data and Analytics (D&A) environment. 
• To analyse business or system requirements and data to enhance understanding of the D&A environment.
• To participate in and provide input to the Architect during the compilation of solution design documentation for new and existing D&A products and systems.

The job holder has no direct or indirect reports.

• Development and Design.
• Testing.
• Projects.
• Research and continuous improvement.

Development and Design.

• Gain an understanding of the functional description and technical solution design through guidance from the Architect, ensuring clear understanding of requirements.

Apply analysis requirements for product and system development according to development best practice standards, the Data Product Life Cycle (DPLC) and Capitec Bank Way of Work (WoW) agile process to:

• Develop enhancements for existing products to requirements.
• Develop rational database system and cloud data warehousing to the required standard and as contracted with the team in terms of the WoW. 
• Provide implementation instructions to the team for any developments.

Testing.

Perform unit and integration testing on existing environments and developments in line with the DPLC.

• Update / amend test packs according to solution development to ensure coverage of all areas.
• Fix minor and major bugs for the products in the D&A environment.
• Fix escalated bugs for existing products in the D&A environment from provided technical solution design document.
• Provide support to the development, Quality Assurance (QA) and production environments including standby duties, and responding to and resolving issues. 

Projects.

• Provision Data Engineering support for specific value stream projects through the design and development of new products.

Gain an understanding of the functional description and technical solution design through guidance from the Architect, ensuring clear understanding of requirements. 

• Assist the Architect with the compilation of the technical solution design documentation.
• Provide technical input to the Architect during the compilation of technical solution design documentation for new and existing products and services. 

Use the technical solution design documentation for product and system development according to development and best practice standards.

• Develop rational database system and cloud data warehousing.
• Provide implementation instructions for all developments.

Research and Continuous improvement.

• Participate in knowledge-transfer sessions facilitated by Architect.
• Take ownership to improve own technical knowledge about the D&A database and data warehouse environment. 
• Stay current with developments in areas of technology that are relevant to the D&A environment (i.e. MS SQL, Database servers, Source control tools, Testing tools, bug tracking tools, etc.)

Levels

• The role of Data Engineer involves generic technical tasks and responsibilities. There are distinct levels within the job which are defined by experience, skills, autonomy and the level at which the incumbent operates and contributes. Three levels have been identified for the function: Level I, Level II and Level III.  

Level III Descriptors:

Job Title
Data Engineer III

Stakeholder Engagement

• Coordinate handover of technical knowledge (process flow and design) during knowledge transfer process.

Quality Assurance

• Contribute to the organisation through technical expertise, knowledge, and skills.

Level of Complexity

• Complexity level is higher and scope is greater. A proactive, initiating approach is required. 
• Provide input to the overall strategy of the function and translate functional strategy into business plans. Recognised specialist and advisor in data analysis and synthesis, data development process, data integration design and data modelling including user needs, generation of ideas, methods, tools and leading or guiding others in best practice use.

Autonomy

• Operate autonomously and independently of Architect and BIBA (standalone). 
• Perform as the technical lead on projects.
• Provide technical expertise and input, support, guidance and training to other Data Engineers on D&A function and during projects.

Knowledge:

Minimum:

Must have detailed knowledge of:

• IT systems development processes (SDLC)
• Application development
• ETL processes
• Rational database system and cloud data warehousing 
• Dimensional modelling
• Standards and governance
• Agile development life cycle
• Testing practices

Ideal:
Knowledge of:

• Data analysis and design
• Data architecture (technical design and implementation processes)

DPLC
Solid understanding of:

• Banking systems environment
• Banking business model
• Best practices for Quality Assurance (QA)

Experience:

Minimum:

• At least 6 years’ proven experience within management information systems / systems analysis together with a relevant 3 year tertiary qualification 

OR

• At least 6 - 8 years’ proven experience within management information systems / system analysis

Proven experience in:

• SQL Server and / or business intelligence tools (SSIS, SSRS, SSAS)
• Data Warehousing
• Data Management Lifecycle 

Ideal:

Proven experience in:

• Python and/or Open Source development tools 
• Visualisation Technologies: MS PowerBI, AWS QuickSight
• Cloud Environment 
• Experience working in an AWS environment as well as with AWS Technologies
• Participation in PBT Graduate Programme / Training / Skills Development, PBT Academy, e.g. Data Engineering, BI Business Analysis, Data Modelling

Education (Minimum)

• Care and passion for our people (Departmental Contributor)
• Earn and extend trust (Departmental Contributor)
• Simplify and make it easy (Departmental Contributor)
• Drive innovation mindset (Departmental Contributor)
• Lead with the "Why" (Departmental Contributor)
• Attract and relentlessly develop people (Departmental Contributor)
• Make decisions - faster and smarter (Departmental Contributor)
• Inspire optimism and persistence (Departmental Contributor)
• A relevant tertiary qualification in Information Technology or Data Analysis
• A relevant tertiary qualification in Information Technology or Data Analysis
• Clear criminal and credit record
• Analytical Skills
• Communications Skills
• Computer Literacy (MS Word, MS Excel, MS Outlook)
• Interpersonal & Relationship management Skills
• Problem solving skills

Education (Ideal or Preferred)

• Care and passion for our people (Departmental Contributor)
• Earn and extend trust (Departmental Contributor)
• Simplify and make it easy (Departmental Contributor)
• Drive innovation mindset (Departmental Contributor)
• Lead with the "Why" (Departmental Contributor)
• Attract and relentlessly develop people (Departmental Contributor)
• Make decisions - faster and smarter (Departmental Contributor)
• Inspire optimism and persistence (Departmental Contributor)
• A relevant tertiary qualification in Information Technology or Data Analysis
• A relevant tertiary qualification in Information Technology or Data Analysis
• Clear criminal and credit record
• Analytical Skills
• Communications Skills
• Computer Literacy (MS Word, MS Excel, MS Outlook)
• Interpersonal & Relationship management Skills
• Problem solving skills

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Purpose Statement

• The company requires a Full Stack Software Developer who has the same level of passion for high quality software solutions. You will be part of a cross-functional team that is responsible for the full software development life cycle from conception to deployment of each new product. 
• As a Full Stack Developer, you need to be comfortable around both the front and back-end coding languages, development frameworks and third-party libraries

Experience

• As a Full Stack Developer, you need to be comfortable around both the Front and Back-end coding languages, development frameworks and third-party libraries.
• 6+ years proven experience in software development, project delivery and implementation 

Experience in the following development languages:

• Frontend Languages: 
• JavaScript (ReactJS, Vue.js) 
• CSS (SCSS, Bootstrap) 
• HTML

Backend Languages

• ASP.NET Framework with MVC design pattern  
• (C#, .NET, Optimizely CMS)

Qualifications (Minimum)

• A relevant qualification in Information Technology
• Grade 12 National Certificate / Vocational

Qualifications (Ideal or Preferred)

• Certification in Systems Analysis or Design
• n/a

Knowledge

Min:
Must have detailed knowledge of:

• IT systems development processes (SDLC)
• Application development
• Banking systems
• Standards and governance
• Agile development life cycle
• Testing practices

Ideal:
Knowledge of:

• UML
• Systems analysis and design
• System architecture (technical design and implementation processes)

Solid understanding of:

• Banking systems environment
• Banking business model
• Best practices for Quality Assurance (QA)
• Object Orientated Development environment (i.e. Java, Spring Framework, JBoss)

Skills

• Analytical Skills
• Problem solving skills

Conditions of Employment

• Clear criminal and credit record

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Purpose Statement

• To execute the end-to-end logistics processes relating to Merchant Services Card Machines and mPOS devices.
• To maintain Card Machine and mPOS device stock details and enable the bank to determine and track location of devices.

Experience

Minimum:-

• 1 – 2 years in a Logistics role 

Ideal:-

• 2+ years in a Logistics role 

Qualifications (Minimum)

• Grade 12 National Certificate / Vocational

Qualifications (Ideal or Preferred)

• A relevant tertiary qualification in Logistics or Commerce

Knowledge

Minimum:-

• Principles of customer service
• Logistics and Stock management processes
• Vendor engagement

Ideal:- 

• Card Machine / Transactional environment
• Stock management
• Supplier engagement
• Asset tracking systems

Capitec Bank products, systems and processes

Systems: 

• Postilion (Including TermApp Framework)
• Postilion Office (including MAS)
• S-track

Processes: 

• Merchant Administration General Rules
• Lost & Stolen Card Machines
• Merchant Pricing Policy (including annexures)
• Monitoring of POS Terminal Banking report
• Merchant Administration Stock Management
• Merchant TermApp Framework configuration
• Termapp Recon Report

Skills

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

Conditions of Employment

• Clear criminal and credit record

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Purpose Statement

• Capitec’s Social Responsibility department is looking for a CSI manager who is driven by the purpose to positively contribute to the development of the communities we serve through CSI programmes that are designed for impact.   
• Your focus will be the continuous development and implementation of an effective and impactful Capitec employee volunteer programme and the effective selection, implementation and funding of projects that benefit communities. The focus of the role excludes the Capitec Foundation.

What you’ll do

• You are responsible for the functional strategy, operating model, policies and budget of Capitec’s employee volunteer programme, donations and other CSI programmes that are delivered outside the Capitec Foundation.
• You will manage the employee volunteer programme, manage policies and processes for the evaluation and selection of projects and manage the delivery of CSI programmes. You are responsible for establishing and embedding appropriate monitoring, reporting and evaluation structures and delivery. You will manage and take ownership of CSI awareness and recognition across the business to create a conducive environment where CSI initiatives and programmes are promoted and prioritised. This includes working closely with the Brand and Communications department to ensure visibility and awareness of CSI activities.
• The role requires you to be an advocate of CSI to various audiences internally and externally and represent the function on industry level. You will engage with and advise senior stakeholders in the bank. You will manage a small team of CSI coordinators and will be required to build strong cross-functional relationships to promote the adoption of programmes nationally. You will furthermore be required to build and enhance relationships with implementation partners and NGO’s. 

Experience

Minimum:

• At least 5 years’ experience in a relevant business or operations environment.
• Minimum of 3-5 years in Communications or Stakeholder Management and CSI related areas, of which:
• 2 or more years' experience in engaging with NGO's, government bodies and in identifying funding opportunities is essential.
• At least 5 years’ experience in leading teams, projects or workflows.
• 2 years’ experience in Project Management is essential.
• Must have proven experience working in Community projects or Corporate Social Investment.
• Experience in commercial, business and financial principles and practices.
• Proven experience of using influence and relationships to drive and achieve objectives.

Ideal:

• Experience in successfully leading, planning and managing CSI initiatives across a large organisation.
• Experience in Socio-economic development.

Qualifications (Minimum)

• A relevant tertiary qualification in Business Management or Business Administration

Qualifications (Ideal or Preferred)

• A relevant post-graduate qualification in Business Management or Business Administration

Knowledge

Minimum:

• Knowledge of and sensitivity to working with communities at a developmental level.
• Sound knowledge and understanding of the role of business in CSI and its relevance to developing emerging economies.
• Basic knowledge on the United Nations' Sustainable Development Goals.
• Knowledge of the Broad-Based Black Economic Empowerment Act and Codes.
• Basic Understanding of non-governmental organisations (NGO’s), non-profit organisations (NPO’s) and public benefit organisations (PBO’s).
• Other relevant legislation (for example, POPIA).

Ideal:

• Knowledge on the South African Education landscape.
• Visualising data for key drivers of success in projects.

Skills

• Analytical Skills
• Commercial Thinking Skills
• Interpersonal & Relationship management Skills
• Leadership Skills
• Problem solving skills

Conditions of Employment

• Clear criminal and credit record

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Purpose Statement

• To provide a central, head office based Business Banking sales and service function that will grow and retain business clients
• To achieve financial sales and service objectives by following up on sales leads through various digital communication channels. 

Experience

Minimum:

• 3 years experience in a banking environment of which 1 year should have been spent in a sales environment. 
• 1  year lending experience (preparing and motivating credit applications) preferably within a Business Banking environment.

Ideal:

• 3+ years in a banking environment of which 1+ year should have been spent in a sales environment. 
• 1+  years lending experience (preparing and motivating credit applications) within a Business Banking environment 
• Previous experience within a Personal banking environment 

Qualifications (Minimum)

• A relevant tertiary qualification in Accounting - Financial Accounting or Finance

Qualifications (Ideal or Preferred)

• Bachelor's Degree in Accounting - Financial Accounting or Finance

Knowledge

Minimum:

• Understanding of business banking and intuitive credit and portfolio management.
• Client relationship management (CRM) principles and techniques.
• How to interpret financial statements, balance sheets, collateral and basic financial ratios.
• Standardised business banking transactional products and other core products relevant to small enterprises.
• 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.
• Regulations, Acts and Codes related to the banking environment – for example, Companies and Intellectual Properties Registration Act (CPIC) for correct documentation/mandate preparation purposes, Financial Advisory and Intermediary Services Act (FAIS), the Financial Intelligence Centre Act (FICA) and related anti-money laundering legislation and the National Credit Act (NCA)
• Knowledge of competitors offerings.
• Compliance with the Banking Code of Practice, Credit Risk Manual, Securities Manual and Bank Policies and Procedures.

Ideal:

• Features, benefits and value propositions of Capitec BB 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

• Analytical Skills
• Communications Skills
• Computer Literacy (MS Word, MS Excel, MS Outlook)
• Problem solving skills

Conditions of Employment

• Clear criminal and credit record

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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 client 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 Advisory and Intermediary Services Act (FAIS) and 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

Conditions of Employment

• Clear criminal and credit record

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Purpose Statement

• To contribute towards an optimal client experience for Capitec clients through providing administrative support in designated areas along the client life cycle:
• Supporting the Relationship and Regional managers with onboarding and managing client relationships.
• Loading and maintaining all client and payment information on relevant systems, and processing client requests or enquiries. 

Experience

MINIMUM:

• 2 - 3 years’ compliance monitoring and administration experience
• 3 years general Banking experience 

IDEAL:

• 2+ years’ compliance monitoring and administration experience 

Qualifications (Minimum)

• National Certificate

Qualifications (Ideal or Preferred)

• A relevant qualification in Commerce or Banking

Knowledge

MINIMUM:

• Excellent knowledge of applicable clearing rules
• Knowledge of the interbank payments arena
• Computer literacy (MS Office – Word & Excel)
• Payment systems
• Payment streams (Authenticated collections / Debicheck, EFT)

IDEAL:

• Capitec Bank knowledge
• Data and Analytics
• Client service principles

Skills

• Attention to Detail
• Communications Skills
• Computer Literacy (MS Word, MS Excel, MS Outlook)
• Problem solving skills

Conditions of Employment

• Clear criminal and credit record