Job Opportunities at Capitec Bank

Purpose Statement

• Continuous business and industry research to guide the critical evaluation of new and existing software / application solutions
• Undertake impact analysis specific to solution and the changes thereof, within the solution and effected peer systems
• Identification of Risks, Issues and Decisions needed in support of project deliverables and scope. This also includes understanding of Project Management principles (Prince2).
• Understanding and conceptualisation of the MIS/Reporting requirement and need from the solution
• Leadership skills including management of teams, expectations and process, solution and operational change

Experience

Min:

• Must have proven experience as Business Analyst (BA) within the Workforce Management environment

Business Analyst  

• At least 3 - 5 years’ experience as Business Analyst
• Basic project management experience 

Qualifications (Minimum)

• A relevant tertiary qualification in Information Technology

Knowledge

Min:

Must have detailed knowledge of:

• Banking and IT Standards and governance
• Testing practices and methodology

Ideal:

Detailed knowledge of:

• Agile development life cycle 
• Change Management
• Banking systems
• Workforce Management/ Scheduling (Verint knowledge preferred)
• MIS/BI/Data Warehousing
• Knowledge of UML and business process modelling (BPM) – EA and Visio

Solid understanding of:

• Project Management
• Communication Skills and Conflict Management

Skills

• Strategic Thinking Skills
• Planning, organising and coordination skills
• Project Management Skills (Methodolgy Specific)

Conditions of Employment

• A valid driver's license and own vehicle is required
• Contactable via own mobile phone

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Purpose Statement

To minimise risk and financial losses for both Merchants and the Bank by:

• Investigating and analysing complex financial queries and disputes that cannot be resolved by the call centre (and provide feedback to clients).
• Reconciling suspense (user nominated) accounts and to prepare the unpaid exception report for Merchant Collections to collect on returned debit orders.
• Providing excellent client services to the merchant network by defending their case.

Experience

Minimun:

• 1 – 2 years’ experience in a Financial role within a financial / business environment
• Proven experience in financial reconciliations
• Experience in SAP procurement

Ideal:

• 2+ years’ years’ experience in a Financial role within a banking / business environment
• 1 years accounting experience in a banking environment
• Proven experience in financial reconciliations
• Experience in SAP procurement

Qualifications (Minimum)

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

Qualifications (Ideal or Preferred)

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

Knowledge

Minimum:

• Card transaction Merchant processes 
• Customer care and service protocol
• Financial management principles

Ideal:

Banking operating systems: 

• Postilion Realtime Framework
• Postilion Office
• MAS
• Standard Bank Links (SBL)
• Bancs Core (Mercantile)

Processes: 

• Lost /Stolen Terminal Stock
• Merchant Admin – Merchant Unpaid Process
• Merchant Administration - Financial Administration Procedure
• Merchant Pricing Policy (including annexures)
• Merchant Fees and Settlement Procedure for Card Services: Merchant Admin

Skills

• Attention to Detail
• Decision making skills
• Numerical Reasoning skills
• Planning, organising and coordination skills
• Problem solving skills

Conditions of Employment

• Clear criminal and credit record

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Purpose Statement

• To provide direction to and lead IT teams responsible for the full product lifecycle to ensure successful delivery of all product features, support and maintenance related tasks within the Capitec Bank Operations 
• Oversee the ongoing drive to increase efficiency, optimisation, innovation and people development in these environments.

Experience

Minimum:

• At least 5 years’ experience in software development management including experience in leading a technical team.
• Experience in progressive database or software development roles
• In an environment which required validating work 
• Stakeholder  relationship engagement and management
• Responsibility for delivery in a fast moving environment
• General business acumen
• The retail credit industry
• Banking industry
• Budgeting and accounting principles
• Business analysis and design
• Implementation and maintenance of financial and contact centre systems and procedures
• Project Management principles and methodologies 
• Systems Development Life Cycle (SDLC)

Ideal:

• Central Collections environment 
• Capitec Bank Systems Environment
• Capitec Bank Business Model
• Agile development principles

Qualifications (Minimum)

• Grade 12 National Certificate / Vocational

Qualifications (Ideal or Preferred)

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

Knowledge

Minimum:

• General business acumen
• The retail credit industry
• Banking industry
• Budgeting and accounting principles
• Business analysis and design
• Implementation and maintenance of financial and contact centre systems and procedures
• Project Management principles and methodologies 
• Systems Development Life Cycle (SDLC)

Ideal:

• Central Collections environment 
• Capitec Bank Systems Environment
• Capitec Bank Business Model
• Agile development principles

Skills

• Communications Skills
• Interpersonal & Relationship management Skills
• Analytical Skills
• Negotiation skills
• Attention to Detail

Conditions of Employment

• Clear criminal and credit record

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Purpose Statement

• To support the extended digital team, apply UI/UX methodologies to design and develop a world-class client experience for Capitec’s digital solutions. This will include developing and maintaining user experience and interface design standards

To support and collaborate with the UX Design Lead: Omni Channel Experience in developing a true Capitec omni channel experience

• Key touchpoints include: Branch Banking System Redesign, ATM & SST, TOBI, Inbenta/CASper, Direct Lending System & Back Office, Merchant app & portal, Internet banking & website re-platforming and IMI Mobile Implementation

Experience

Min:

• At least 2+ years’ experience in an agency/studio environment working on multiple accounts/brands and disciplines
• 4 or more years’ experience in user interface and experience design for web applications and/or mobile devices
• A strong focus on interaction design and visual design through prototyping in an agile software development environment
• Ability to define visual elements, product elements and overall design
• The ability to work with engineering, frontend, and backend developers as needed
• Assisting with testing to ensure that UI/UX standards are adhered to
• Researching interaction design and technology trends
• Maintaining user experience and interface standards
• Ability to create wireframes as well as visual designs
• Experience with user interface design patterns and standard

Ideal:

• At least 2 years’ experience working on multiple accounts/brands and disciplines in the financial sector
• Strong creative background to support UI/UX methodologies

Qualifications (Minimum)

• Grade 12 National Certificate / Vocational
• A relevant tertiary qualification in Design or Front-End Development

Qualifications (Ideal or Preferred)

Knowledge

Min:
Knowledge of:

• Sketch – digital design toolkit (prototyping software)
• Prototyping using InVision or something similar
• Solid skills in Adobe Creative Suite
• Experience with Bootstrap and Google material design
• Understanding of Agile Practices
• A thorough understanding of simplified user-centered design methodologies is a must
• Technology related to the industry
• An up-to-date knowledge of best practices and latest trends in mobile and web

Ideal:

• Knowledge of psychology and/or anthropology as it pertains to UI/UX principles
• Understanding of Object Orientated Languages (C Sharp; Angular; JavaScript)
• Experience in prototyping tools such as Axure, UXPin, XD, etc.
• Ability to conduct user testing of applications, software and websites
• Skills to create wireframes as well as visual designs
• Mobile experience
• Experience in HTML 5

Skills

• Communications Skills
• Presentation Skills
• Project Management Skills (Methodolgy Specific)
• Computer Literacy (MS Word, MS Excel, MS Outlook)
• Attention to Detail
• Problem solving skills
• Interpersonal & Relationship management Skills
• Planning, organising and coordination skills
• Commercial Thinking Skills

Conditions of Employment

• Clear criminal and credit record
• A valid driver's license and own vehicle is required
• Contactable via own mobile phone

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Purpose Statement

• To minimise the risk of loss through bad debts, and maximise profits for the business through effective execution of credit application, evaluation and approval processes, and ensuring the quality of credit risks across the portfolio is maintained. 
• To interact with other areas of the bank and acting as a catalyst in ensuring compliance with agreed risk parameters as set out in the Bank’s strategy.

Experience

Minimum: 

• At least 5 years Credit Management experience across Personal and Business markets 
• Current Person-to-holder Credit Mandate 

Ideal: 

• At least 5 years Credit Management experience across Personal and Business markets 
• Experience in Intuitive Credit Granting

Qualifications (Minimum)

• Bachelor's Degree in Credit Management or Banking

Qualifications (Ideal or Preferred)

• Honours Degree in Credit Management or Banking

Knowledge

Minimum: 

• Business knowledge
• Risk Management 
• Understanding of Project Management methodologies and processes, 
• People Management 
• Financial Management
• In-depth understanding of the NCA

Ideal: 

• Knowledge of Intuitive Credit Granting

Skills

• Commercial Thinking Skills
• Computer Literacy (MS Word, MS Excel, MS Outlook)
• Analytical Skills
• Problem solving skills
• Decision making skills
• Attention to Detail
• Numerical Reasoning skills

Conditions of Employment

• Clear criminal and credit record

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Purpose Statement

• To evaluate and manage the intuitive credit and associated risks within an allocated portfolio in a geographic region; effectively integrating and controlling the credit function by maintaining the quality of credit risks across the portfolio, minimizing the risk of loss through bad debts, while maximizing profits.
• To interact with other areas of the bank, acting as a catalyst in driving changed initiatives in ensuring compliance within agreed risk parameters as set out in the changed strategy.

Experience

Minimum:

• At least 8 -10 years banking experience, 5 of which in credit
• Credit Management experience across business and commercial markets in the intuitive space as well as the scored lending environment
• Working within the requirements of the National Credit Act and other relevant legislation
• Significant experience in preparing and motivating Credit applications 

Ideal:

• Experience of managing a portfolio of business customers with a service and financial analysis focus.

Qualifications (Minimum)

• Bachelor's Degree in Commerce or Credit Management

Qualifications (Ideal or Preferred)

• Honours Degree in Commerce or Credit Management

Knowledge

Minimum:

• Business acumen
• Risk management principles and processes
• Project management methods and practices
• Relationship building and management techniques 
• Financial management
• Customer relationship management (CRM) principles and techniques
• 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 

Ideal:

• Products available and pricing structures
• Current taxation laws as they apply to clients 
• A good knowledge of administration processes and procedures pertaining to Business Banking transactions
• Financial Modelling; financial analysis (evaluating and identifying trends), complex cash flow cycles (industry/ sector specific)

Skills

• Analytical Skills
• Attention to Detail
• Communications Skills
• Computer Literacy (MS Word, MS Excel, MS Outlook)
• Interpersonal & Relationship management Skills
• Negotiation skills
• Numerical Reasoning skills
• Planning, organising and coordination skills
• Problem solving skills

Conditions of Employment

• Clear criminal and credit record

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Purpose Statement

• To define the technology solution for the Client Value Data and Analytics (D&A) team and ensure that it is designed to meet current and anticipated future technological requirements.
• To assist with and oversee the creation of comprehensive technical specifications from business requirements by maintaining a high level of in-depth knowledge with regards to D&A and other relevant Back-End Systems and data sources.

Experience

Minimum:

• 4+ years proven experience within management information systems, implementation and design using existing data patterns
• 4+ years experience in system analysis and creating new data patterns 
• The systems components making up the entire Business Intelligence system architecture
• Experience in data architecture, analysis,  integration design and modelling 
• Data warehouse / BI solution performance analysis, tuning and administration

Qualifications

Minimum: 

• Grade 12 - National Certification 
• Degree in Information Technology - Systems Engineering or Computer Science 

Ideal: 

• Certification in Data Management (DAMA)
• Certification in Data Management Book of Knowledge (DMBOK2)

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
• AWS service and technology stack 

Ideal:
Detailed knowledge of:

• Banking systems environment
• Banking business model
• Agile development life cycle
• Best practices for Quality Assurance (QA)

Skills

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

Conditions of Employment

• Clear criminal and credit record

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Purpose Statement

• To design and continuously improve client journeys across the relevant client landscape
• To develop and manage the framework, tools and processes for insights gathering, measuring and analysis of voice of the client insights thereby creating the knowledge necessary to build, optimise and improve client experience.
• To provide clear and comprehensive understanding of client needs and experience based on applied research methodologies  
• To derive and effectively communicate client-centrered recommendations that influence the design of products and services

Experience

Minimum:

• 5+ years of CX design experience in digital transformation initiatives
• Experience or affinity with the following methodologies: Human Centred Design, Design Thinking; Client Journey Mapping, Voice of the Client
• Client survey formulation and CX metric analysis 
• Use of technology, tools and data to support optimal client experiences
• Use of insights to drive new ways of delivering enhanced client experiences
• Digital client experience and collaboration/co-creation of platforms.
• Proven ability to drive results, influence others and lead cross-functional teams, 
• Experience in facilitating discussions, fostering collaboration and creating a space for open dialog and constructive discussions.
• Strong analytical skills: experienced in gathering and analysing complex product/ initiatives processes from data, and managing volumes of information. Ability to summarise and draw conclusions from information
• Open, curious, willing to challenge the status quo and be the first advocate of our client’s experience.

Ideal:

• Conceptualising and designing client experience strategy and frameworks
• CX insights analysis and improvement implementation
• Stakeholder and vendor management

Qualifications (Minimum)

• Honours Degree in Industrial/Organisational Psychology

Qualifications (Ideal or Preferred)

• Masters Degree in Economic and Management Sciences or Change Management

Knowledge

Minimum:

• Marketing and client service principles and practices.
• Techniques and tools to identify and understand client behaviours, 
• Human centered design research methodologies.
• Data analysis principles and methods.
• Facilitation and presentation techniques.
• Knowledge of project management and agile methodologies

Ideal:

• CX Design, Insights and Metric Anaysis, Client psychology/ behaviour
• Industry recognised Client Experience accreditation

Skills

• Problem solving skills
• Analytical Skills
• Interpersonal & Relationship management Skills
• Facilitation Skills
• Researching skills

Conditions of Employment

• Clear criminal and credit record

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Your key performance areas are to:

• Support the programme lead in driving continuous improvements in the user experience and learning delivery to enhance engagement and impact.
• Oversee the daily operations of the digital financial education platforms / solutions
• Coordinate ongoing optimisation and expansion projects across the digital financial education solutions
• Ensure quality delivery by platform solution vendors

What does it look like practically?

• You love a challenge and are confident to work across various platforms from web to chat-based and gamified solutions.
• You are comfortable to talk API’s, user flows and product features but you won’t build them.
• You champion the features of a great learning experience, led by user insights, but you won’t build the features, write copy or design assets
• You’re passionate about great user experiences and enjoy engaging with users to answer their questions and resolve their obstacles  

Experience
MINIMUM:

• 2-3 years’ experience in digital solution delivery 
• Experience in leading projects / assignments in a high-performance team, dealing with volumes (fast-paced and high pressure environment), experience in handling multiple projects concurrently.
• Experience in managing digital solution operations and project delivery.
• Experience in usability testing and user experience research 

IDEAL:

• 3 years’ experience in digital solution delivery
• Client and user experience delivery

Qualifications (Minimum)

• A relevant tertiary qualification in Business Analysis or Project Management

Qualifications (Ideal or Preferred)

• A relevant post-graduate qualification in Business Analysis or Project Management

Knowledge

MINIMUM:

• Subject matter knowledge of key digital learning trends and best practices 
• Functional knowledge on digital solutions
• Basic understanding of integration along the technical and product development life cycle

IDEAL:

• Tools (Jira, Confluence, etc.)
• Behavioural sciences

Skills

• Attention to Detail
• Computer Literacy (MS Word, MS Excel, MS Outlook)
• Planning, organising and coordination skills
• Problem solving skills
• Researching skills

Conditions of Employment

• Clear criminal and credit record

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Purpose Statement

• Co-ordinate, investigate and provide timely feedback on incoming E-Channels related queries received from the Business Support Centre (BSC) and Complaint Management to the requesting party with the guidance of the E-Channels Specialist.
• Log and track E-Channels incidents on Jira.
• Oversee small system and/or operational improvements resulting from user and client queries

Experience

Min:

• 2 - 3 Years proven experience in providing technical support to departments dealing with client queries
• Ideally have understanding and working experience of SQL to look up and correlate databases
• Escalation processing, Isolation and Problem solving
• Report writing
• Provides feedback daily to junior and senior management levels

Qualifications (Minimum)

• Grade 12 National Certificate / Vocational

Qualifications (Ideal or Preferred)

• Certification in SQL Programming
• A relevant tertiary qualification in Information Technology

Knowledge
Min:
Must have working knowledge of:

• IT systems development processes
• Formal report writing
• Trend Analysis
• S-track

Ideal Working knowledge of:

• Mobile Banking App support (USSD, Internet Banking, Banking App on mobile Devices)
• Previous experience working with ELK stack and Kibana, Jira
• SQL, proven experience (basic)

Skills

• Communications Skills
• Interpersonal & Relationship management Skills
• Analytical Skills
• Problem solving skills
• Attention to Detail
• SQL Skills

Conditions of Employment

• Clear criminal and credit record
• Contactable via own mobile phone