Jobs at Capitec Bank

About the role:

• As a Machine Learning Engineer at Capitec is pivotal in shaping and executing the bank's AI strategy. By collaborating with Data Scientists and Decision Scientists, you'll enhance their efficiency through the development, implementation, and support of platform improvements. Your contributions will be crucial in positioning Capitec to remain competitive in a rapidly evolving landscape where AI technologies are key strategic differentiators.
• This role leverages your deep understanding of machine learning models, from concept to deployment, and expertise in modern software development best practices, big data processing frameworks, and cloud environments whilst sitting in the risk division of the business. You’ll also be working extensively with Python, SQL, and advanced debugging techniques to ensure the delivery of scalable, robust, and production-ready predictive models

Our ideal candidate has:

• 3+ years of experience in any engineering role
• Honors degree or higher in any field
• Python and SQL experience
• PySpark
• Big data frameworks – Hadoop/Kafka
• Github experience or Git

Ideal:

• AWS experience

Competencies:

• Simplify and make it easy
• Earn and extend trust
• Plan, deliver and raise the bar
• Curious and continuously learns
• Act, learn and adapt
• Inspire optimism and persistence
• Have courage, disagree and commit

Education

• Completed an Honors Degree or higher

go to method of application »

About the role

• You will 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 and oversee the ongoing drive to increase efficiency, optimization, innovation and people development in these environments.

Our Ideal Candidate

• Bachelor’s degree in information technology - Computer Science or Information Technology - Programming
• A minimum of 3-5 years’ experience in software development management, including proven experience in leading a technical team.
• AWS experience is highly advantageous 
• Demonstrated experience in progressive database or software development roles.
• Experience In an environment which requires validating work.
• Proficiency in engaging and managing stakeholder relationships, ensuring alignment with project goals and expectations.
• Proven ability to take responsibility for delivering projects in a fast-moving environment, meeting tight deadlines, and adapting to changing requirements.
• Solid understanding of general business principles, including budgeting and accounting.
• Competence in business analysis and design to effectively align software solutions with business needs and objectives.
• In-depth knowledge of project management principles and methodologies to efficiently organize and streamline project execution.
• Extensive experience with the Systems Development Life Cycle (SDLC

Minimum Requirements :

• Bachelor’s degree in information technology - Computer Science or Information Technology - Programming
• A minimum of 3-5 years’ experience in software development management, including proven experience in leading a technical team.

Conditions of Employment

• Clear criminal and credit record

go to method of application »

Purpose Statement

To minimise legal risks relating to Collections and Recoveries through:

• Assuming responsibility and full ownership for the planning and day-to-day management of the Operational Risk Support function.
• Supporting the wider Collections and Recoveries Department with complex escalations.
• Managing the audit and civil court order team within Recoveries and Collections.
• Managing and guiding the ARL (Allegations of Reckless Lending) portfolio

Experience

Minimum:

• 4 - 5 years in an audit, or operational risk, or debt management environment 
• Banking experience and working with credit granting and affordability assessments
• Experience working with court orders, legal documents/ legal experience
• Experience in audit and risk management (understand audit processes/ worked with internal audit)
• Debt Review (understand the process/ know reckless lending)
• External Debt Collections processes and working alongside attorneys/ debt collectors
• Policy and procedure drafting / complaints / escalations
• Dealing with general queries/escalations (e.g. prescription, in-Duplum, Debt Sale.)
• Comfortable with authorising payments
• Experience in engaging with vendors or debt counsellors

Ideal:

• 5+ years in an audit, or operational risk, or debt management environment
• Experience in working with other business stakeholders in an integrating manner 

Qualifications (Minimum)

• Bachelor's Degree in Law or Commerce

Qualifications (Ideal or Preferred)

• Post Graduate Diploma in Law or Commerce

Knowledge

Minimum:

• Relevant legislation
• Prescription and debt sales and working alongside a legal team
• Understanding risk and control and risk self-assessments
• Understanding, identification and guiding key operational risk indicators
• Understanding of civil process
• Understanding of banking reckless lending

Ideal:

• Data and analytics
• Knowledge of relevant software programs (Salesforce, Amazon, JIRA, Confluence)

Skills

• Commercial Thinking Skills
• Communications Skills
• Management skills
• Planning, organising and coordination skills
• Problem solving skills

go to method of application »

About the role

To ensure that the business is prepared and skilled to mitigate any cyber security threat through

• Assessing and testing the applications and processes of the Bank.
• Identifying potential areas of weaknesses from a security perspective.
• Playing a key role in developing world class cyber security capabilities within the Bank by means of knowledge transfer, education, training and research.

Minimum Experience

• 3 – 5 years’ experience in cyber security testing
• Risk identification and communication relating to cyber security

Ideal Experience

• 5+ years in cyber security testing
• 2 – 3 years financial services / banking experience 
• Experience with the Agile and DevOps mode 

Minimum Qualification

• Grade 12 National Certificate / Vocational
• Certification in Information Technology Qualifications

Ideal Qualification

• A relevant tertiary qualification in Information Technology or Information Technology - IT Engineering

Minimum Knowledge

• Expertise in manual and automated security testing of infrastructure, networks, and web applications
• Skilled in technical vulnerability assessments (CVE, CVS databases)
• Familiar with industry standards, common network protocols, system architecture, and operating systems
• Knowledge of MITRE Attack Framework, threat landscape, and TTPs
• Strong communication skills for articulating business risks
• Proficient in at least one scripting language (Python, Bash, etc.)
• Experience with pen-testing tools, web, mobile, and cloud app testing
• Understanding of OWASP Top 10, OSINT, and tiered web architectures
• Familiar with networking, firewalls, proxies, and security technologies

Skills

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

go to method of application »

Purpose Statement

• To welcome clients and coordinate the branch flow through efficient queue functioning, providing excellent client service and assisting clients at the ATM and to complete transactions on any remote or self-service channels. In doing so, gain the knowledge, skills and experience required for service consulting. 

Experience

Minimum:

• No experience required but individual needs to hold a Grade 12 National Certificate

Ideal:

• Some client service experience within a retail/ financial/ banking environment

Qualifications (Minimum)

• Grade 12 National Certificate / Vocational

Qualifications (Ideal or Preferred)

Knowledge

Minimum:

• Basic calculations 
• How to engage with people
• Clarity and understanding of own aspirations, being ambitious and keen to learn.

Ideal:

• Knowledge of bank branch environments
• Knowledge of Capitec Bank products and business processes (internal)

Skills

• Communications Skills
• Computer Literacy (MS Word, MS Excel, MS Outlook)
• Interpersonal & Relationship management Skills

Conditions of Employment

• Clear criminal and credit record
• Must have fingerprints which are detectable/recognisable on Capitec Bank's internal electronic banking system

go to method of application »

Purpose Statement

• To enhance the lives of our clients by providing excellent client service, fulfilling and exceeding the client’s needs, by using the Global One product offering in order to support our clients to Bank Better and Live Better  

Experience

Minimum:

• 3 to 6 months previous client service experience within a retail/ financial/ banking environment OR if no experience, a candidate with a relevant tertiary qualification can be considered"

Ideal:

• More than 1 year’s client service experience within a retail/ financial/ banking environment
• Demonstrated track record of engaging in a sales and client facing environment 

Qualifications (Minimum)

• Grade 12 National Certificate / Vocational

Qualifications (Ideal or Preferred)

• A relevant tertiary qualification in Commerce or Similar
• Certification in Finance or Banking

Knowledge

Minimum:

Knowledge and understanding of:

• Basic calculations
• Retail/consumer service environment

Ideal:

Knowledge and understanding of:

• Capitec Bank Products
• Internal business processes and procedures
• Organisational Policies, including (but not limited to) the Branch Credit Granting Policy principles (BCGP)

Skills

• Communications Skills
• Interpersonal & Relationship management Skills
• Computer Literacy (MS Word, MS Excel, MS Outlook)

go to method of application »

Purpose Statement

• To welcome clients and coordinate the branch flow through efficient queue functioning, providing excellent client service and assisting clients at the ATM and to complete transactions on any remote or self-service channels. In doing so, gain the knowledge, skills and experience required for service consulting. 

Experience

Minimum:

• No experience required but individual needs to hold a Grade 12 National Certificate

Ideal:

• Some client service experience within a retail/ financial/ banking environment

Qualifications (Minimum)

• Grade 12 National Certificate / Vocational

Qualifications (Ideal or Preferred)

Knowledge

Minimum:

• Basic calculations 
• How to engage with people
• Clarity and understanding of own aspirations, being ambitious and keen to learn.

Ideal:

• Knowledge of bank branch environments
• Knowledge of Capitec Bank products and business processes (internal)

Skills

• Communications Skills
• Computer Literacy (MS Word, MS Excel, MS Outlook)
• Interpersonal & Relationship management Skills

go to method of application »

About the role:

• We are seeking a Product Specialist to join our team, focusing on the management and automation of credit processes for a system housed on Salesforce called nCeno. Launched in 2022, the product is still evolving, and the team is working through challenges to enhance its capabilities. The role involves working closely with stakeholders on pre- or post-approval. You will be responsible for gathering and specifying requirements, ensuring that development stays aligned with those requirements, and facilitating communication between the business, credit teams, and developers.
• The role requires strong collaboration and project management skills, as you will walk stakeholders through the entire product journey—from requirement gathering to testing. The team currently works with external developers at nCeno. Salesforce experience or other workflow-based systems is highly desirable, along with a background in project delivery within the SDLC. The ideal candidate has a strong grounding as a Business Analyst and can manage requirements effectively, although they will not be responsible for solutioning.

Our ideal candidate has:

• 2-3 years’ experience as a Product Specialist OR 5 years experience as a Business Analyst.
• Credit product experience with either the pre- or post-approval function.
• Currently working with confluence to document and Jira for ticket allocation.
• Understanding of testing and able to assist and view test evidence
• Following Prince2 Principles.
• Manage stakeholder engagement whilst being able gather requirements and document them.
• Able to work within an Agile environment to break down deliverables into smaller pieces.
• Full lifecycle experience from requirements gathering to development and testing. (SDLC)

Ideal:

• Worked with salesforce before or has any certification.
• nCino experience would be beneficial.

Competencies:

• Care and passion for our people
• Earn and extend trust
• Simplify and make it easy
• Drive innovation mindset
• Lead with the "Why"
• Attract and relentlessly develop people
• Make decisions - faster and smarter
• Inspire optimism and persistence

Education:

• A relevant tertiary qualification in Project Management/Business Management
• Any business analysis certification

Ideal:

• Salesforce certification

go to method of application »

Our ideal candidate has:

• A relevant tertiary qualification in Business Analysis, IT, Information Systems OR related
• At least 5 – 7 years’ proven experience within Business Analysis, information systems, business intelligence or data warehousing environments
• Able to perform data analysis and determine the impact on broader organisational frameworks and objectives
• Experience in Business Analysis using various techniques to describe business needs e.g. conceptual model, ERD, Test Cases, Data Flows, UML models, Data Dictionary, Business processes flows, etc.
• Conceptual Data modelling 
• Basic data analysis using SQL (PostgreSQL)
• Understanding of the concepts of data visualisation
• Knowledge of Salesforce (Advantageous)

Skills:

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

go to method of application »

Purpose Statement

• To be Developed

Experience

• To be Developed

Qualifications (Minimum)

• Grade 12 National Certificate / Vocational

Qualifications (Ideal or Preferred)

Knowledge

• To be Developed

Skills

• Communications Skills

go to method of application »

Purpose Statement

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

Education (Minimum)

• A relevant tertiary qualification in Information Technology or Data Analysis

Education (Ideal or Preferred)

• A relevant degree in Data Engineering
• Certification in Data Warehousing

Knowledge and Experience

Experience:

Minimum:

• At least 4 years’ proven experience within management information systems (MIS) | data warehousing |  data transformation/ systems analysis together with a relevant 3 year tertiary qualification 

OR

• At least 4-6 years’ proven experience within management information systems / system analysis
• Proven experience in:
• A relational data warehouse e.g. SQL server, Oracle etc., and tools that enable ETL and orchestration. 
• Testing methodologies

Ideal:

Proven experience in:

• Cloud Environment 
• Experience working in an AWS environment as well as with AWS Technologies
• Data Analysis
• Orchestration technologies

Knowledge:

Minimum:

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

Ideal:

• Data architecture (technical design and implementation processes)
• DPLC
• Banking systems environment
• Banking business model
• Best practices for Quality Assurance (QA) 

Skills

• Analytical Skills
• Communications Skills
• Interpersonal & Relationship management Skills
• Problem solving skills