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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About the role

• As a Business Intelligence Analyst You’ll work with large, complex datasets, transforming data into clear, actionable insights that support strategic priorities. This is a hands-on, technical role requiring strong data skills, and the ability to work independently while driving projects from concept to delivery.

Minimum Experience

• A tertiary qualification in Business Administration or Statistics
• At least 3-5 years’ experience as Business Intelligence Analyst or equivalent (data analyst etc.) including experience in data analytics, BI methods and tools, data warehousing and the data life cycle.
• Experience in identifying, quantifying, and subsequently delivering value on how to solve business challenges using data 
• Experience with stakeholder engagement 
• Experience in working with data on cloud platforms, such as AWS or Microsoft Azure 
• Experience in building data visualisations using tools such as Power BI 
• Experience of using SQL to prepare and analyse data

Knowledge:

• Knowledge and basic experience in using low/no code AutoML on modelling tools such as Power BI or AWS Sagemaker  
• Design thinking
• Dimensional Modelling
• The Data Product Life Cycle (DPLC)
• Knowledge of data privacy and security regulations and best practices 
• Knowledge and understanding of data quality and incident management  
• Knowledge and experience of agile project management methodology 

Ideal:

• Previous experience working in business analysis in the banking sector
• Knowledge of change management principles and practices

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About the role

• We’re looking for a skilled BI Developer to join our team in a dynamic, insights-driven role. The focus of this position is to develop, maintain, and enhance reporting solutions that support data-driven decision-making in a complex, high-volume credit environment. This is a hands-on technical role combined with the ability to interpret business requirements and translate them into impactful, user-friendly reports and dashboards. A solid understanding of credit and financial services concepts is essential, ensuring data insights are accurate, relevant, and aligned to business objectives.

Minimum Experience

• A relevant tertiary qualification in Statistics or Actuarial Science
• Minimum 3 years’ experience in a BI Developer, BI Analyst, or BI Engineering role.
• At least 3-5 years’ experience implementing innovative BI solutions leading to clear business decisions and benefits, including;
• At least 3-5 years’ experience in data analysis, including experience in and understanding of database structure design and data extraction principles (ETL).
• At least 3-5 years’ experience working with any visualisation tools of which 4 years is on Power BI (DAX, M)
• Overall good understanding and application of BI best practice
• At least 1 years' experience in Python or R (or any other relevant programming language)
• At least 3-5 years' experience in SQL (Postgres, MySql, MS SQL) which involved cleaning, enriching, transforming , data mapping, data aggregation, and data normalization that is suitable for data analysis.
• Working with product development life cycle and Agile frameworks
• Experience managing  own work and that of others and initiatives from start to finish, including planning, scoping, budgeting, and timeline management.
• Experience of overseeing and providing technical guidance to team members and colleagues.

Knowledge
Minimum: 

• Expert in the field of BI development (reports, dashboards, data visualisation, etc.)
• Extensive knowledge of BI/reporting and analytical tools
• Extensive knowledge of Business Intelligence and Data Warehousing best practices
• Extensive knowledge of BI environments, solutions and implementations (end-to-end BI architecture and technologies)
• Extensive knowledge in the field of data analysis methodologies (Descriptive-,Diagnostic-,Predictive-,Prescriptive Analytics)
• In depth knowledge of both waterfall and agile development approaches
• In depth knowledge of SQL query language: Preferably AWS services (Redshift, Athena, DataLake, Python, PostgreSql, MySQL) or MS Technologies (Azure services, SQL, SSAS) 
• In depth knowledge of design and user experience principles
• Good understanding of Agile principles 

Ideal:

• Extensive knowledge of Power BI services (including a implementation of either of  Advanced AI and ML, and Cognitive services within the Power Platform)
• Good working knowledge of the AWS ecosystem and services
• Experience in analysis/report development in a financial/banking environment

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Purpose Statement

• To execute daily operational activities within the Business Bank AML Operations environment, including enhanced due diligence, investigation of suspicious transactions, name and payment screening, reporting, and quality assurance, thereby implementing and administrating legal and statutory requirements for the Financial Intelligence Centre Act 38 of 2001 (“FICA”), Protection of Constitutional Democracy Against Terrorist and Related Activities Act 33 of 2004 (“POCDATARA”), Prevention of Organised Crime Act 121 of 1998 and all related legislation, within Capitec Bank

Experience
Minimum:

• At least 2-3 year’s investigative experience within a business banking environment within an AML environment
• Experience with collating and analysing information and making decisions based on the information.
• Interpretation and application of regulatory requirements.

Ideal:

• FICA exposure within a business banking environment
• Experience in a financial or legal institution or investigative environment 

Qualifications (Minimum)

• Grade 12 National Certificate / Vocational

Qualifications (Ideal or Preferred)

• Bachelor's Degree in Risk and Compliance

Knowledge
Minimum:

• Legislation regarding money laundering control, proliferation finance and combating of terrorist financing
• Understanding of money laundering means and mechanisms on a global scale
• Understanding of sanctions 
• Client due diligence and AML environment.
• Understanding the Risk Management and Compliance Programme and the purpose it serves in AML
• Business acumen
• Know Your Customer (KYC), risk based approach
• Investigation methodology and techniques
• Use of excel and word
• Report writing and evidence gathering
• Business entity structures and related AML requirements

Ideal:

• Client due diligence and investigations on juristic and non-juristic clients.
• Knowledge of commercial banking products, services and channels.
• Knowledge of Trade-based money laundering

Skills

• Analytical Skills
• Attention to Detail
• Computer Literacy (MS Word, MS Excel, MS Outlook)
• Planning, organising and coordination skills
• Reporting Skills
   

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About the role

• As a Front-End Software Engineer, you’ll play a key role in Capitec’s large-scale app redesign project — shaping how millions of users experience our mobile and web platforms. You’ll collaborate within a cross-functional product team to translate UI/UX designs into clean, efficient, and scalable code. This role offers the opportunity to move from legacy technologies to a modern front-end stack, including React and Material UI, while building component libraries using Storybook.
• You’ll be part of an environment where innovation, collaboration, and continuous learning are at the heart of how we work.

Our ideal candidate has:

• 5–7 years’ experience in front-end development using HTML, CSS, JavaScript
• Strong experience with React (and ideally Material UI)
• Familiarity with component-driven development (e.g., Storybook)
• Understanding of accessibility standards (ARIA labels, semantic HTML)
• Responsive design and performance optimization skills
• Experience working in Agile delivery teams
• Bonus: Exposure to Kendo UI is advantageous but not required

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 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

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
To proactively minimise Anti Money Laundering (AML) risk and exposure and protect the Bank through:

• Providing specialist inputs to enhance the identification, monitoring and investigation of all cross-border, Foreign Exchange and Correspondent Bank transactions – in line with Capitec’s Risk Based Approach as envisaged in the Risk Management Compliance Program (RMCP).
• Conducting transactional investigations and analysis of international funds transfers (IFTs)
• Submitting intelligent reports to the Financial Intelligence Centre.
• Ensuring that all relevant client screening is performed to understand Capitec’s risk exposure.
• Implementing and administrating daily operational activities in line with legal and statutory requirements.

Experience
Minimum:

• No less than 6 years’ IFT Investigations and Correspondent Bank experience within a Financial / Business Banking environment with progressive specialist experience where judgement, decision making, and assessment were required. 
• Previous advisory role (subject matter expert) in a cross-border environment
• Exposure to Regulatory Reporting of STR’s, SAR’s, TPR’s, TFAR or TFTR’s

Ideal:

• 8+ years’ IFT Investigation and Reporting experience within a Financial / Business Banking environment.
• Experience in managing the operations of a function or department: business planning, budgeting, managing, and leading a team.
• 8+ years’ experience in Trade based business and Correspondent Banking. 
• 4+ years’ work experience in the business sector, other than within the Banking Environment. 

Qualifications (Minimum)

• Bachelor's Degree in Finance or Commerce

Qualifications (Ideal or Preferred)

• Honours Degree in Finance or Commerce

Knowledge
Minimum: 

In-depth knowledge of:

• Regulations pertaining to anti-money laundering and combating of terrorist financing 
• AML trends, typologies and red-flags, focussing on IFTs
• Currency and Exchanges Manuals for Authorised Dealers
• International Trade Based businesses and/or transactions
• The SWIFT payment and Correspondent Banking practices
• Sanction Screening for payments
• Skilled in identifying IFT risk factors, the detection and reporting ML/TF and sanctions-related activities in business banking and financial services industry
• Automated Transaction Monitoring
• Daily regulatory IFTR reporting
• Transactional investigation techniques and analysis
• Business and commercial banking 

Understanding of:

• KYC requirements, Ongoing and Enhanced Due Diligence investigations, Customer Screening and Adverse Media Management. 
• FinTechs / alternative payment platforms relating to IFT
• Regulatory reporting, the compliance landscape and requirements.
• Relevant regulatory framework (Financial Intelligence Centre Act 38 of 2001 (“FICA”), Protection of Constitutional Democracy Against Terrorist and Related Activities Act 33 of 2004 (“POCDATARA”), Prevention of Organised Crime Act 121 of 1998, and Dealers Handbook).

Ideal:

• Knowledge of the Capitec Bank environment
• Leadership Practices

Skills

• Analytical Skills
• Decision making skills
• Management skills
• Planning, organising and coordination skills
• Problem solving skills