Job Opportunities at Capitec Bank

About the Role

• The role is for a business engineer who will focus on optimizing business processes related to clientinformation management. This includes ensuring the accuracy and quality of client data, understandingclient life cycles, and managing risk categories. The engineer will work across retail, business banking, andinsurance contexts to create a unified view of the client. They will need to understand complex clientrelationships, data structures, and how data flows through systems. The role requires a deepunderstanding of business processes, client onboarding, and ongoing due diligence, including enhanceddue diligence and client offboarding.

Our Ideal Candidate

• 8 – 10 years of experience in business engineering
• A background in engineering, preferably industrial engineering or any relevant engineering qualification.
• Articulate solutions clearly to stakeholders
• Proven track record of understanding and solving complex business problems, particularly from a client's perspective.
• Experience in customer relationship management (CRM) systems 
• Ability to design and optimize business processes, with a focus on data quality and client experience.

Qualifications (Minimum)

• Grade 12 National Certificate / Vocational

Qualifications (Ideal or Preferred)

• A relevant post-graduate qualification in Information Technology or Engineering - General

Skills

• Communications Skills
• Strategic Thinking Skills
• Computer Literacy (MS Word, MS Excel, MS Outlook)
• Interpersonal & Relationship management Skills
• Presentation Skills
• Facilitation Skills
• Business Process Modelling skills (IDEF-0, Financial Modelling, Enterprise Architect, BPMN, etc.)
• Planning, organising and coordination skills
• Commercial Thinking Skills

Conditions of Employment

• Clear criminal and credit record
• Willingness to travel nationally and internationally when required
• Ability to work extended hours during periods of project implementation

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About the role

• As a Postilion SDK Developer in Capitec’s Payments Transaction Switching team, you’ll be at the forefront of South Africa’s largest digital banking revolution. This isn’t just a development role — it’s a chance to engineer the heartbeat of real-time financial transactions that millions rely on daily. 
• You’ll harness the power of the ACI Postilion SDK to craft custom modules that drive secure, lightning-fast card and EFT switching. Your work will directly shape the performance, resilience, and innovation of Capitec’s core payment infrastructure. 
• This is a high-impact, high-visibility opportunity where you’ll collaborate with top-tier architects, analysts, and developers to deliver cutting-edge solutions that redefine how banking works — and ensure Capitec remains at the forefront of modern, secure banking not just for today, but for the future 

Our ideal candidate has:

• A relevant IT qualification or degree 
• 4+ years’ hands-on development experience using the ACI Postilion SDK (Realtime or Office) 
• Strong development skills in Java  
• Practical understanding of ISO8583 message protocols 
• Exposure to card transaction flows, EFT, ATM/POS integration, and EMV standards 
• Experience working with cryptographic tools and HSMs (e.g., MACs, 3DES, DUKPT key management) 
• SQL proficiency (SQL Server, PostgreSQL, or similar) 
• Familiarity with Agile software development and DevOps principles 
• Clear, concise communication and strong problem-solving abilities 

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 Back-end Software Engineer plays a crucial role in building solutions that offer optimum performance, reliability, and scale. They are responsible for writing and testing code for the development of the server-side components that power the application's functionality

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 back-end software development, project delivery and implementation (in relevant development technologies/language). Experience with back-end frameworks and technologies

Knowledge: 

• Is able to apply advanced knowledge of the following:
• IT systems development processes (SDLC)
• Application development
• Advanced programming concepts
• Advanced algorithms and data structures
• Design Patterns
• Version Control
• Testing practices
• Database systems and query optimization (e.g., SQL, NoSQL).
• RESTful API design and integration.
• Cloud computing platforms and services (e.g., AWS, Azure).
• Advanced Microservice and event driven architectures
• Deployment using kubernetes and containerisation

Skills

• Analytical Skills
• Attention to Detail
• Communications Skills
• Interpersonal & Relationship management Skills
• Problem solving skills
• Additional Information
• Clear criminal and credit record

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About the role

• As a Business Intelligence Analyst with a strong focus on credit analytics, You will 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.

Knowledge and Experience
Minimum Experience:

• A tertiary qualification in  Mathematics, Statistics, or Computer Science.
• Strong credit experience with the ability to manage credit requests, perform ad hoc analysis, and support the credit team.
• At least 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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Purpose Statement

• To optimise business efficiencies made possible by automation, digital, information and communications technologies (not limited to technologies) through systematically analysing and defining business requirements and functional specifications.
• To develop and design solutions and ensure effectiveness of implementation as well as continuous improvement for business and/or existing applications solutions by collaborating with and acting as conduit between stakeholders from the business, Technology and the product team.

Education (Minimum)

• A relevant tertiary qualification in Business Analysis

Knowledge and Experience
Minimum:

• 4 - 7 years working experience in various business analysis knowledge areas, working independently with minimal oversight.
• Internal: Completion of BA School of Learning Level 3
• Business and data analysis
• Understanding of business process and translating requirements into business processes, context diagrams, visual explanations, etc.
• Functional and business process design 
• Communication and translation of information across business and technical environments (Interface between business and Technology)
• Design of evidence-based best practice solutions
• Stakeholder engagement and collaboration 
• Project Management principles and relevant development lifecycle experience 
• Agile development lifecycle principles and experience
• Understanding of systems and the Systems Development Life Cycle (SDLC)

Ideal: 

• Banking Industry Knowledge

Skills

• Analytical Skills
• Problem solving skills
• Communications Skills
• Facilitation Skills
• Interpersonal & Relationship management Skills
• Negotiation skills
• Planning, organising and coordination skills

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Purpose Statement

• To provide a proactive business banking sales and service management 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 5 years, of which 3 years should have been spent in the Business Banking environment.
• Experience of managing a complex portfolio of business customers with a service and financial analysis focus.
• Significant experience in preparing and motivating Credit applications 
• Cost control and sales management 

Ideal:

• 1-2 years managerial /leadership experience
• 1-2 years managing a small business centre 

Qualifications (Minimum)

• A relevant tertiary qualification in Business Management or Finance

Qualifications (Ideal or Preferred)

• Bachelor's Degree in Business Management or Finance

Knowledge
Minimum:

• Principles and practices of business economics and the current business economic environment. 
• Customer relationship management (CRM) principles and techniques
• Different industry sectors and sector risk profiles/ trends; this includes an understanding of the impact of climatic conditions on the agricultural market (if there are agric clients in the portfolio). 
• Local market (LM) sales principles and practices to manage and optimise retention and growth within the portfolio. 
• General banking practices and procedures. 
• 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 
• General understanding of how Business Banking operates, as well as understanding the business risks, industry risks and financial requirements pertaining to the business market

Ideal:

• Features, benefits and value propositions of the respective company product/service offerings. 
• Multi-level products available and pricing structures
• Current taxation laws as they apply to customers. 
• A good knowledge of administration processes and procedures pertaining to Business Banking transactions
• Financial Modelling; activity based costing, financial analysis (evaluating and identifying trends), complex cash flow cycles (industry/ sector specific)

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

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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

• To support the Capitec Rental Finance (CRF) Department in delivering a consistent service to Suppliers and Business Partners through the maintenance of service standards relating to documentation, application submissions, and pay-out/discounting.
• To coordinate, process, scrutinise and analyse incoming applications in line with agreed / expected turn-around times and standards.
• The role is based in Umhlanga, KZN.

Experience
Minimum:

• 3 - 5 years general Rental Finance experience in a data processing, investigative or vetting capacity.

Ideal:

• 5+ years general Rental Finance experience in a data processing, investigative or vetting capacity
• Accounting experience will be beneficial. 

Qualifications (Minimum)

• Grade 12 National Certificate / Vocational

Qualifications (Ideal or Preferred)

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

Knowledge
Minimum:

• Sound understanding of rental finance and related products
• Understanding of the Office Automation Technology environments
• Basic understanding of Financial statements 
• Understanding of legal requirements of business entities (business knowledge)

Ideal:

• Knowledge on financial statements
• Banking knowledge to understand banking analysis, code of conduct

Skills

• Planning, organising and coordination skills
• Administration Skills
• Attention to Detail
• Problem solving skills
• Decision making skills

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About The Role/Team

• We’re on the lookout for a Senior Data Engineer to join our Platform Engineering team - a team that’s shaping the future of how data flows across the organisation. In this role, you’ll design and implement robust, scalable data pipelines and solutions within our AWS environment, playing a key role in how data is ingested, transformed, and delivered to power insights and decision-making across the business. 
• You’ll be joining a high-impact, purpose-driven team at the heart of Client Engagement Delivery, helping to drive personalised, data-led communication across one of South Africa’s most trusted banks. 
• As part of the Data team, you’ll work alongside the Systems & Platform team to ensure the right data is in place to support intelligent, scalable client engagement strategies. This team owns the product line schema that underpins all communications across the bank and plays a crucial role in enabling the Salesforce platform used by the Client Operations team. 
• From building the data infrastructure behind millions of client interactions to empowering seamless, client-first journeys - your work will have a real, measurable impact. 
• If you're passionate about making data meaningful and enabling world-class engagement at scale - we’d love to hear from you. 

What We Are Looking For
Must-Haves: 

• 6+ years in data engineering or a related field.  
• Strong proficiency in SQL, Python, and version control tools (e.g., Git). 
• Hands-on experience with AWS and cloud-native data architecture. 
• Proven ability to design and manage data pipelines and data modelling. 
• Ability to work independently and drive initiatives forward. 

Nice-to-Haves: 

• Experience with Salesforce Data Cloud or Salesforce Marketing Cloud. 
• Exposure to vendor data integration and file-based processing. 

What You Will Be Doing

• Designing, building, and maintaining data pipelines in a cloud-native AWS environment. 
• Developing and optimizing stored procedures and data streams. 
• Integrate data from various sources (e.g., APIs, databases, flat files) into data warehouses or data lakes. 
• Mapping and integrating external vendor data into our ecosystem. 
• Contribute to the design and architecture of end-to-end data platforms, ensuring alignment with business needs and tech standards 
• Conducting peer reviews and maintaining version control best practices. 
• Collaborating with cross-functional teams on data architecture, modelling, and ingestion strategies. 
• Providing technical guidance and mentorship to junior engineers. 
• Ensuring quality, performance, and scalability of data solutions. 

Education

• A relevant degree in Information Technology or Data Analysis 

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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:

• The Full Stack Software Engineer III is essential in a cross-functional team, handling the full software development lifecycle from concept to operation. They design, develop, test, deploy, maintain, and enhance complex software systems, ensuring scalability and performance. They also guide developers and stakeholders in resolving engineering problems.
• The Full Stack Software Engineer III develops and maintains both front-end and back-end components of web applications, ensuring optimal performance and great client experiences. They focus on enhancing new and existing products, improving current systems, and providing support.
• The Full Stack Software Engineer III will form part of a new team within our value-added services division, which offers exciting products, growth opportunities, and innovative projects beyond traditional banking services. Team members collaborate with internal teams and external vendors, creating a diverse and dynamic work environment.

Our ideal candidate has:

• Grade 12 National Certificate (Minimum)
• A relevant tertiary qualification in Information Technology (Preferred)  
• 6+ years’ proven experience in both front- and back-end software development, project delivery and implementation (in relevant development technologies/language). Experience with modern front-end and back-end frameworks and technologies

Tech Stack

• Java
• Spring boot
• Relational Databases (PostgreSQL preferred OR MySQL)
• JavaScript
• HTML
• CSS
• jQuery and React (Beneficial)
• Python (Nice to have)
• Linux
• AWS

Skills:

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

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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)

• A relevant qualification

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

go to method of application »

Purpose Statement

• To provide a proactive business banking sales and service management 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 5 years, of which 3 years should have been spent in the Business Banking environment.
• Experience of managing a complex portfolio of business customers with a service and financial analysis focus.
• Significant experience in preparing and motivating Credit applications 
• Cost control and sales management 

Ideal:

• 1-2 years managerial /leadership experience
• 1-2 years managing a small business centre 

Qualifications (Minimum)

• A relevant tertiary qualification in Business Management or Finance

Qualifications (Ideal or Preferred)

• Bachelor's Degree in Business Management or Finance

Knowledge
Minimum:

• Principles and practices of business economics and the current business economic environment. 
• Customer relationship management (CRM) principles and techniques
• Different industry sectors and sector risk profiles/ trends; this includes an understanding of the impact of climatic conditions on the agricultural market (if there are agric clients in the portfolio). 
• Local market (LM) sales principles and practices to manage and optimise retention and growth within the portfolio. 
• General banking practices and procedures. 
• 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 
• General understanding of how Business Banking operates, as well as understanding the business risks, industry risks and financial requirements pertaining to the business market

Ideal:

• Features, benefits and value propositions of the respective company product/service offerings. 
• Multi-level products available and pricing structures
• Current taxation laws as they apply to customers. 
• A good knowledge of administration processes and procedures pertaining to Business Banking transactions
• Financial Modelling; activity based costing, financial analysis (evaluating and identifying trends), complex cash flow cycles (industry/ sector specific)

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

go to method of application »

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

go to method of application »

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