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:
- This team drives Capitec’s digital banking capabilities for business clients, focusing on app and online banking solutions within the business bank stack an architecture like the retail bank stack but tailored for business needs. The role centers on back-end development, where engineers build and maintain robust, scalable systems that power digital panels and ensure seamless client experiences. As a Back-End Software Engineer III, you’ll be integral to the full software development lifecycle from design and development to deployment and maintenance enhancing complex systems for performance and reliability. You’ll also play a key role in mentoring developers and collaborating with stakeholders to solve engineering challenges and improve existing products.
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
Tech Stack and Knowledge
- Java
- Springboot
- AWS
- PostgreSQL
- Kafka
Strong Understanding
- Java and Spring boot expertise
- Strong understanding of core Java concepts and design patterns.
- Developing and maintaining robust and scalable applications with Java and Spring boot.
- RESTful APIs design
System design and architecture
- Ability to design and implement scalable, high performance and secure software solutions.
SOLID principles
Database skills
- Strong proficiency in working with relational databases and/or NoSQL databases, including query optimization and data modelling.
Message-driven architecture
- Familiarity with tools like Kafka or RabbitMQ for asynchronous communication
Cloud and containerization
- Familiarity with cloud platforms (e.g. AWS) and containerization tools like Docker and Kubernetes for deployment and scalability
DevOps and CI/CD
- Experience with CI/CD pipelines, build tools and potentially workflow tools like Github.
Skills:
- Analytical Skills
- Leadership and Mentorship
- Attention to Detail
- Communications Skills
- Interpersonal & Relationship management Skills
- Problem solving skills
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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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About The Role/Team
- At Capitec, our Systems Analysts are instrumental in bridging the gap between business and technology. You’ll be part of a collaborative, cross-functional team that supports multiple areas of the bank - with a specific focus in this role on the insurance business unit. This team plays a vital role in enabling accurate data flows, enhancing financial sub-ledgers, and supporting operational and regulatory reporting.
- This role focuses on understanding insurance-related data, gathering business and technical requirements, and working closely with the data engineering team to translate these into actionable solutions. You will play a key part in ensuring that Capitec’s insurance data is accessible, accurate, and aligned with business needs.
- A successful candidate must bring prior experience in the insurance domain, with the ability to independently query SQL and engage confidently with business and technical stakeholders
What You’ll Be Doing
- Analyse insurance data, systems, and processes to extract and interpret requirements.
- Gather, document, and validate functional and technical requirements from the insurance team.
- Provide clear, structured input to the data engineer, enabling the development of accurate data pipelines and reporting solutions.
- Collaborate closely with stakeholders across insurance, data, product, and compliance functions
- Support the delivery of end-to-end solutions, ensuring alignment with governance, data quality, and regulatory expectations.
- Contribute to system testing, user acceptance testing (UAT), and solution validation.
- Assist in resolving data-related issues by identifying root causes and recommending improvements.
What We Are Looking For
- We’re seeking a systems thinker with a strong analytical mindset and excellent stakeholder engagement skills. The successful candidate should be confident working in a data-rich environment and understand the complexities of insurance processes and data structures.
Preferred qualifications and experience include:
- 3–5 years of experience in a Systems Analyst role.
- Prior experience working in or supporting the insurance industry (essential).
- Ability to write and interpret SQL queries independently.
- Strong understanding of systems analysis methodologies and business process modelling.
- Familiarity with data environments, system integration, and data validation practices.
- Experience in cross-functional collaboration with technical and business teams.
- Exposure to cloud-based solutions and tools such as JIRA, Confluence, or similar platforms is advantageous.
- Excellent verbal and written communication skills, with a detail-oriented and structured approach to problem-solving.
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About The Role/Team
- Join a purpose-driven data team that plays a crucial role in supporting Capitec’s growing insurance business - and beyond. Our team supports key areas such as financial sub-ledgers, reconciliations, and reporting, while also working across retail banking and business banking.
- We’re looking for a Data Engineer who’s passionate about clean, efficient data solutions. Your main focus will be on supporting financial sub-ledgers, cloud migration projects, and implementing new requirements driven by the insurance business.
- This is a high-impact role where your work will directly influence financial accuracy, decision-making, and regulatory compliance within one of South Africa’s most trusted banks.
What You’ll Be Doing
- Supporting and optimising financial sub-ledger data pipelines.
- Supporting financial reconciliations and financial data quality efforts.
- Migrating data processes and platforms to the cloud (AWS & Snowflake).
- Interpreting and implementing new business and regulatory requirements.
- Collaborating with SDMs, finance teams, and business stakeholders.
- Driving data improvements that support better decision-making.
Your Day-to-Day Might Include
- Designing, building, and maintaining robust and scalable data pipelines.
- Writing complex SQL queries for data extraction, transformation, and analysis.
- Monitoring and troubleshooting data workflows and processes.
- Ensuring data accuracy, consistency, and quality across systems.
- Contributing to data architecture and documentation standards.
- Participating in code reviews, agile ceremonies, and team planning.
- Working with large datasets in structured and unstructured formats.
- Automating repetitive data tasks and optimising performance.
What We Are Looking For
- We’re looking for someone who is naturally curious, proactive, and solution-driven. You enjoy digging into complex problems, asking the right questions, and building data solutions that make an impact.
To succeed in this role, you should have:
- 3–5 years of experience in a Data Engineering role, with a proven track record of delivering reliable, scalable data solutions.
- Strong proficiency in SQL, with the ability to write complex queries and work with large datasets.
- Experience working in cloud environments, particularly with AWS and Snowflake.
- Experience with Python is beneficial, but not mandatory for the role.
- Excellent problem-solving skills and the ability to work independently with minimal supervision.
- A solid understanding of data engineering best practices, pipelines, and the data development lifecycle.
- A genuine sense of curiosity and an eagerness to ask “why” and “how” to get to the root of challenges.
- While prior experience in the insurance industry is not a requirement, it is highly advantageous.
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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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About the role
- To contribute to the design and development of new applications / systems to meet the business requirements of the data platform environment.
- To analyse business or system requirements and build and enhance the data platforms.
- To participate in and provide input to the Architect during the compilation of solution design documentation for new and existing data platforms.
Education (Minimum)
- A relevant degree in Information Technology or Data Analysis
Minimum Experience :
- A relevant 3-year tertiary qualification (degree or diploma).
- Data storage and access technologies
- Testing methodologies
- Mentorship
- Quality assuring work of others
- 3–5 years’ proven experience in:
- Management Information Systems (MIS)
- Data warehousing
- Data transformation information systems
Proficiency in:
- AWS (cloud environment)
- Python
- SQL
- Postgres
Knowledge:
- IT systems development processes (SDLC)
- Data pipelines
- Rational database system and / or cloud data warehousing and / or big data frameworks
- Dimensional modelling
- Standards and governance
- Testing practices
- People leadership practices and principles
- Quality assurance practices and processes
Ideal:
Experience:
- Experience working in an AWS environment as well as with AWS Technologies and Azure
- Orchestration technologies
- Data modelling
Knowledge:
- Data architecture (technical design and implementation processes)
- Banking systems environment
- Banking business model
- Best practices for Quality Assurance (QA)
Additional Information
- Clear criminal and credit record
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About The Role
- We are seeking a skilled and experienced Business Process Engineer to join our HR team. The ideal candidate will have a strong background in business process optimization, with the ability to innovate and improve HR processes. This role involves collaborating with multiple stakeholders to design, develop, and implement end-to-end business process solutions that align with our strategic objectives.
Key Responsibilities
- Innovate and improve HR business process models and solutions.
- Identify continuous improvement opportunities within HR processes.
- Collaborate with senior stakeholders to develop business models and operating models.
- Design and develop detailed process maps and integration points.
- Participate in testing and monitor process performance to ensure continuous improvement.
- Oversee the evaluation process and drive continuous improvement programs.
Our Ideal Candidate
- Minimum of 5 years of relevant work experience in business process engineering.
- Experience in HR business processes.
- Strong expertise in process improvement methodologies.
- Proven ability to collaborate with multiple stakeholders and lead strategic initiatives.
- Excellent analytical and problem-solving skills.
Skills
- Attention to Detail
- Communications Skills
- Negotiation Skills
- Interpersonal & Relationship management Skills
- Problem solving skills
- Conditions of Employment
- Clear criminal and credit record
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About The Role
- We are seeking a highly skilled and experienced professional to join our team in a pivotal role that combines technical expertise with strong business acumen. The ideal candidate will have extensive experience in customer onboarding processes and the ability to decompose complex business problems into implementable solutions. A deep understanding of event-driven architectures and domain-driven design is essential, along with the capability to be hands-on with code and lead technical conversations. This role also requires significant leadership skills, as the candidate will be expected to support multiple teams and portfolios, demonstrating versatility and the ability to context switch effectively.
Our Ideal Candidate
- Proficiency in Architecture Frameworks
- Cloud Architecture Expertise
- Deep hands-on experience with cloud platforms (e.g., AWS, Azure, GCP).-AWS Bias
- Microservices and API Design
- Strong experience designing and integrating microservices-based architectures.
- Proficiency in RESTful APIs, GraphQL, and gRPC, along with service discovery, API gateways, and inter-service communication patterns.
- Software Development Lifecycle (SDLC) & Tooling
- Proficiency in modern software development methodologies (e.g., Agile, DevOps, CI/CD)
- Security & Compliance
- Working knowledge of security principles, authentication/authorization mechanisms (e.g., OAuth2, OpenID Connect, mTLS).
- Domain-Driven Design (DDD)
- Event-Driven Architecture
- Strong experience in event-driven systems, including event sourcing, CQRS, publish-subscribe, and stream processing ( Kafka)
- Integration Patterns
Skills
- Presentation Skills
- Interpersonal & Relationship management Skills
- Commercial Thinking Skills
- Problem solving skills
- Leadership skills
- Strategic Thinking Skills
- Conditions of Employment
- Clear credit and criminal record
- Own reliable transport and valid driver’s license
- Own mobile phone
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Purpose Statement
- Drive the effective implementation of policies, frameworks, and standards across Business Bank Credit. Conduct quality assurance reviews and implement an effective assurance plan for Business Bank Credit on an annual basis.
Experience
- Minimum of 7 years of experience in credit risk management, policy development, or assurance functions within the banking or financial services industry.
- 3+ yrs experience in leading teams and managing cross-functional projects
Qualifications (Minimum)
- Grade 12 National Certificate / Vocational
Qualifications (Ideal or Preferred)
- Bachelor's Degree in Finance or Commerce
Knowledge
- Strong understanding of credit risk frameworks, regulatory requirements, and best practices.
- Quality Assurance technologies and tools
- Relevant regulatory requirements and legislation
- Credit risk principles and management
- Business and banking general know how
- Auditing practices and principles
Skills
- Analytical Skills
- Attention to Detail
- Communications Skills
- Interpersonal & Relationship management Skills
- Planning, organising and coordination skills
Conditions of Employment
- Clear criminal and credit record
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About the role
- Deliver functional expertise in SAP Logistics processes, including configuration, customisation, and solution deployment, to meet business requirements. Ensure seamless integration with related SAP modules and external systems and develop automation where required. Leverage SAP solutions to design and optimise business processes. Provide user support, handling 2nd and 3rd level incidents to resolve operational and service-related technical issues as part of business-as-usual activities.
Minimum Requirements:
- A relevant degree
- 5-7 years in SAP systems design, analysis, configuration and implementation
- 5-7 years in systems integration design and implementation
- Understanding of Supply Chain processes with a specific focus on Source to Contract, Procurement, Inventory management and Plant Maintenance.
- Experience in Fiori Functional design and implementation
- Understanding of SAP architecture, integration points, and how SAP solutions align with business processes
- Proficient / expert knowledge of SAP S4 MM Module, PM Module and Fiori
- Systems implementation and technical systems support experience.
Ideal Knowledge:
- 2 years+ Agile experience and working knowledge of Jira and or Confluence
- Systems Integration best practices and design
- Knowledge and application of relevant IT best practices
- Knowledge of IT Service Management principles and frameworks (ITIL 4)
- Understanding of SAP authorisations within the SAP Functional area
- Knowledge of Project Management methods
Qualifications (Minimum)
Qualifications (Ideal or Preferred)
- A relevant degree in Commerce or Information Technology - Computer Science
Knowledge
Minimum Knowledge Required:
- Understanding the full SAP Systems Development Project Lifecycle (SDLC)
- Best practice in SAP S4/HANA
- SAP Logistics MM, QM and PM
- Ideal Knowledge Required:
- Financial/Banking Systems
- Strong knowledge of core procurement concepts and principles
- Advanced knowledge of integration points with FICO
Skills
- Communications Skills
- Interpersonal & Relationship management Skills
- Influencing Skills
- Analytical Skills
- Attention to Detail
- Problem solving skills
- Strategic Thinking Skills
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Purpose Statement
To contribute towards minimising bad debt, enhancing profit and mitigating and controlling risk for Capitec Business Bank (CBB) and Capitec Rental Finance (CRF) through:
- Analysing, monitoring, and reporting on the book segmentation, tactical strategies, campaigns (calls/digital) and solutions for pre-delinquent, collections and recoveries.
- Analysing, monitoring and reporting on book trends (for example, reasons/triggers for arrears, excess, risk grade changes, downgrades, write-offs and provisions).
- Identifying, analysing and monitoring high risk portfolios, clients, book segments and industries in distress.
- Contributing to researching, analysing, designing, implementing and monitoring optimal risk management solutions, in relation to systems, processes, policies and procedures.
- Performing case study and root cause analysis on pre-delinquent, arrears and/or non-performing loans.
- Performing arrears follow up, monitoring and control as required.
Experience
Minimum:
- 2 – 3 years within a collections and/or recoveries, an ongoing-risk or credit management or operational experience
- Applying data for reporting and monitoring purposes.
- Credit and business analysis experience and influencing processes, policies and procedures.
- Case study and root cause analysis
- Consumer and complaint resolutions.
Ideal:
- 3+ years of experience in an ongoing risk management role, in a credit environment.
- Drafting business processes, policies and procedures
- Project coordination and building strong relationships
- Process efficiencies: Draft of idea documents and business specifications.
- Credit book monitoring and reporting
- Experience in granting, collections and/or recoveries and/or intuitive / judgemental credit environment within the financial services sector.
Qualifications (Minimum)
- Higher Certificate in Credit Management or Banking
Qualifications (Ideal or Preferred)
- National Diploma in Accounting - Financial Accounting or Banking
Knowledge
Minimum:
- Good understanding of credit and corporate legislation and processes.
- Banking and financial services industry practice.
- Collections and recoveries systems and processes
- Operations and process management.
- National Credit Act (NCA)
- Retail and/or Business credit products (Fixed term and facilities)
- Collections and/or recoveries systems and processes
- Reporting and data analytics.
Ideal:
- Credit risk management throughout the credit life cycle (granting to book sale)
- Collateral variants / types of processes.
- Protection of Personal Information Act (POPI)
- Debt Collectors Act (DCA)
- Capitec Bank’s Credit Policies
- Capitec Bank's banking system (Front- and Back-End)
- Programming language SQL and database structures
- Knowledge of Capitec Bank’s Centralised Collections systems and processes
- Relationship building and management techniques.
Skills
- Analytical Skills
- Attention to Detail
- Computer Literacy (MS Word, MS Excel, MS Outlook)
- Numerical Reasoning skills
- Problem solving skills
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About the Role
The purpose of this role is to enhance the financial performance of Capitec Insurance through:
- Participating in periodic (monthly, quarterly, bi-annual and annual) insurance contract liability and profit calculations on an IFRS 17 (International Financial Reporting Standards) basis.
- Participating in the forecasted IFRS 17 profit calculations for the annual budget and monthly re-forecasting.
- Support in the calculation of solvency requirements as specified in the Financial Soundness Standard for Insurers (previously SAM).
- Assist in the completion of the quantitative reporting templates for statutory reporting of solvency.
- Assistance in developing and maintaining the processes and controls used for actuarial valuation and financial reporting activities.
Our Ideal Candidate
- Academically qualified actuary or Newly qualified actuary: All exams completed.
- 3+ years’ actuarial experience in the life insurance industry including valuation, reporting and or capital management.
- Honours Degree in Actuarial Science
- Experience with working in a team with multiple deliverables.
- Experience with IFRS17.
- Experience with Prophet or other actuarial modelling software.
- Experience with working with data visualisation technologies (Power BI, etc.)
Method of Application
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