Latest Jobs at Capitec Bank

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
• Conditions of Employment
• Clear criminal and credit record
• Willingness to work flexible hours (including Saturdays and Public Holidays)

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Purpose Statement

• To provide strategic second-line oversight of Capitec’s enterprise-wide credit risk, ensuring effective implementation and operationalisation of the Credit Risk Framework in alignment with regulatory requirements and business strategy. 
• To challenge and influence first line's credit risk practices, policies, and risk appetite, while ensuring sound governance, data risk, and credit lifecycle oversight and partner with internal assurance functions such as Model Risk and Data Governance to ensure risk is measured, monitored, and reported in line with best practice

Experience
Min/Ideal:

• Minimum of 7–10 years in credit risk, with 3–5 years in a senior or oversight capacity in banking or financial services.
• Proven experience in credit policy, credit analytics, or credit risk oversight.
• Experience working in or closely with second-line risk, model risk, or internal audit functions.
• Exposure to ICAAP, Recovery Planning, or regulatory submissions.
• Familiarity with the application of RDARR principles and use of KRIs for monitoring.
• Experience in risk reporting to board and executive levels

Qualifications (Minimum)

• Bachelor's Degree in Accounting - Management Accounting

Qualifications (Ideal or Preferred)

• Honours Degree in Risk Management

Knowledge
Min/Ideal:

• Strong leadership and stakeholder engagement skills
• Excellent communication and report writing
• Working knowledge of credit lifecycle and products (unsecured, revolving credit, etc.)
• High-level understanding of IFRS 9, Basel II/III, ICAAP, Recovery Planning
• Risk appetite design and monitoring
• Stress testing and early warning indicators
• Governance, risk and control frameworks (Three Lines of Defence)
• Familiarity with data governance and model governance (non-technical oversight)

Skills

• Analytical Skills
• Attention to Detail
• Change Management Skills
• Communications Skills
• Computer Literacy (MS Word, MS Excel, MS Outlook)
• Leadership Skills
• Negotiation skills
• Numerical Reasoning skills

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About the role:

• As the Manager: Data Science/AI at Capitec, you will lead the bank’s AI and advanced analytics initiatives, driving innovation and enabling data-driven decision-making across the organization. Your role will focus on defining and implementing a forward-thinking AI strategy while fostering a high-performing team of data scientists to deliver impactful AI/ML solutions aligned with business objectives.
• You will be at the forefront of identifying AI-driven opportunities, overseeing the development and deployment of cutting-edge models, and ensuring alignment with ethical and compliance standards. By collaborating closely with stakeholders, you’ll help position Capitec as a leader in leveraging AI for business innovation and growth. Additionally, you’ll mentor your team to maintain high standards in AI/ML model quality and operational excellence, promoting a culture of continuous learning and data-driven innovation.

Our ideal candidate has:

• Over 5 years in AI/ML model development and deployment, including 2 years as a manager or team lead within an analytical team.
• Managing senior and executive level stakeholders and influencing decision making at these levels
• Using AI frameworks such as TensorFlow and PyTorch to deploy with whilst using Python, SQL, Pyspark
• Hands on experience integrating AI Models into applications and services
• 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

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About the role:

• Capitec is establishing a Centre of Excellence to provide governance, controls, and supplemental skills for our product teams. We are looking for a Senior Salesforce Developer to join our cross-functional team dedicated to the full software development lifecycle. You will design, develop, test, deploy, maintain, and enhance complex software systems and applications, ensuring scalability, performance, and future requirements. You will also guide and support developers and stakeholders in scoping, progress, status, and resolution of engineering problems.

Our ideal candidate has:

• Grade 12 or Equivalent
• Undergraduate Degree (Preferred)
• Relevant Salesforce Certifications
• At least 6 + years of experience in developing Salesforce solutions
• 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
• Experience with Omni Script, Apex, Flow, or Lightning Web Components
• Salesforce Financial Service Cloud or Services Cloud

Skills:

• Analytical Skills
• Attention to Detail
• Communications Skills
• Interpersonal & Relationship management Skills
• Problem solving skills
• Planning, organising and coordination skill

Knowledge:

• Is able to apply expert knowledge and develop others understanding of the following:
• Salesforce Financial Service Cloud
• Salesforce Services Cloud
• Salesforce Data Cloud
• Salesforce Marketing Cloud
• DevOps and 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 containerization
• Responsive design principles
• Browser compatibility issues and performance optimisation.
• Front-end build tools and package managers

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About the role:

• In this role, you’ll take the lead in engineering and automating Capitec’s hybrid cloud infrastructure. As a senior Systems Engineer, you will design, build, and support scalable and secure server and storage solutions—while driving automation initiatives across environments using Ansible, Terraform, and other tools. You’ll play a key part in ensuring infrastructure is resilient, future-ready, and aligned with Capitec’s digital transformation goals.
• You’ll also be a technical mentor and role model to other engineers, helping shape how we do infrastructure through collaboration, knowledge sharing, and thought leadership.

Our ideal candidate has:

• 8+ years of hands-on experience in enterprise infrastructure, cloud (especially AWS), and automation

Expertise in:

• AWS, Ansible, Terraform, Git,
• Python, PowerShell, Bash
• VMware, Windows & Linux servers, Storage solutions
• A relevant IT degree or diploma is preferred, but practical experience and certifications in AWS, automation, or Linux are just as important
• Strong troubleshooting skills and a proactive, solution-oriented mindset
• A passion for learning, leading, and improving systems and processes

What you’ll love about the role:

• Strategic influence: You’ll help shape the future of Capitec’s hybrid cloud environment
• Cutting-edge tech: Get hands-on with AWS, automation tools, and modern infrastructure approaches
• Team impact: Work in a collaborative, values-driven team that thrives on innovation and shared success
• Career growth: Develop in a fast-paced environment with meaningful opportunities

Education (Minimum)

• Grade 12 National Certificate / Vocational

Education (Ideal or Preferred)

• A relevant tertiary qualification in Information Technology

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Purpose Statement

• To optimise business efficiencies by leveraging automation, digital, data, and ICT solutions through systematic analysis of business requirements and functional specifications. It combines business and data analyst expertise to design, implement, and continuously enhance solutions by acting as a strategic link between business stakeholders, technology, and product teams.

Education (Minimum)

• A relevant tertiary qualification in Business Analysis

Education (Ideal or Preferred)
Knowledge and Experience
Minimum:

• 2 - 4 years working experience in various business analysis knowledge areas, working independently on small assignments or on larger assignments under supervision.
• Internal: Completion of BA School of Learning Level 2
• 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)
• Understanding of technology/ tools/ platforms such as SQL, PowerBI, Salesforce, AWS, Python

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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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.
• In addition to developing and maintaining both front-end and back-end components of web applications to ensure optimal performance and great client experiences, the Full Stack Software Engineer III focuses on enhancing new and existing products, improving current systems, and providing support.
• The role will form part of our client onboarding for business banking, which includes the process of a new customer joining the bank and opening a transactional account. The team is responsible for ensuring a smooth and efficient account opening process.

Our ideal candidate has:

• Grade 12 National Certificate (Minimum)
• A relevant tertiary qualification in Information Technology (preferred)
• 6 or more years’ proven experience as a Full stack Developer, project delivery and implementation (in relevant development technologies/language).
• Experience with modern frameworks and technologies.
• Has mentored junior developers

Tech Stack:

• .Net
• C#
• Relational Databases (PostgreSQL)
• JavaScript (Typescript)
• HTML
• CSS
• jQuery and React (Beneficial)
• Python (Nice to have)
• AWS
• BPMN (Beneficial)

Skills

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

Education (Minimum)

• Grade 12 National Certificate / Vocational

Education (Ideal or Preferred)

• A relevant tertiary qualification in Information Technology

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Purpose Statement

• To provide strategic technical direction and manage multiple technical teams responsible for the technical delivery of the full product lifecycle; all product features and support and maintenance related tasks in respect of the product
• Oversee the ongoing drive to increase efficiency, optimisation, innovation and people development in these environments.

Minimum Experience

• At least 5 years’ experience in software development management

Experience of:

• leading and working in an agile development environment
• Experience in either back-end or front-end development
• crafting roadmaps
• managing a budget
• using technical skills to support and guide a technical team
• to establish priorities and successfully manage deliverables
• utilizing communication and relationship management skills to engage with stakeholders
• using leadership to influence in other areas.

Qualifications (Minimum)

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

Qualifications (Ideal or Preferred)

• Honours Degree in Commerce or Information Technology - Computer Science

Knowledge
Minimum:

• Functional knowledge particular to the product (e.g. Credit or App)
• People management and development practices and principles
• Stakeholder management
• Budgeting and accounting principles
• Business analysis and design
• Project Management principles and methodologies 

Ideal:

• Banking industry
• Central Collections environment 
• Capitec Bank Systems Environment
• Capitec Bank Business Model
• Agile development principles
• Systems Development Life Cycle (SDLC)

Skills

• Communications Skills
• Decision making skills
• Influencing Skills
• Interpersonal & Relationship management Skills
• Negotiation skills

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About the role:

• As the Manager: Analytics Engineering at Capitec, you will play a pivotal role in designing and managing scalable data pipelines and ensuring efficient analytics operations to empower data-driven decision-making. Your focus will be on driving innovation in data integration and feature store development, enabling seamless collaboration between data science and BI teams.
• In this role, you will lead the creation of robust feature stores to support AI/ML model development and semantic models for enhanced analytics and reporting. You’ll ensure the alignment of data engineering solutions with analytics platforms while upholding best practices in data engineering and governance. By fostering collaboration and implementing cutting-edge solutions, you will contribute to Capitec's growth as a leader in advanced analytics and data-driven insights.

Our ideal candidate has:

• Over 5 years in data engineering or analytics engineering, including 2 years as a manager or team lead within an analytical team.
• Proficient in SQL and delivering complex analytical requirements.
• Managing senior and executive level stakeholders and influencing decision making at these levels
• Utilising data Pipelining tools such as Apache, Airflow, AWS Glue
• Data visualisation with tools such as PowerBI
• 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

• We are looking for a skilled developer to join our Open Banking team. The Software Engineer will be part of a cross-functional group responsible for the entire software lifecycle, including design, development, testing, deployment, maintenance, and enhancement of complex applications. Key duties include ensuring scalability and performance while guiding developers and stakeholders on project scope, progress, and technical issues.
• This position involves developing and maintaining front-end and back-end components of web applications, working across all layers of the application stack. Responsibilities include building solutions focusing on performance, reliability, scalability, and effective client experiences.

What you will be doing:

• Develop and maintain Open Banking products, including Capitec Pay and a suite of data products.
• Implement secure API integrations aligned with global best practices.
• Collaborate with feature teams (delivery lead, BA, testers, developers) across Capitec Pay, Open Banking Data, and Partner Enablement.
• Ensure security compliance through client approval mechanisms and fraud prevention strategies
• Be involved in the design on a product level, advising how technology would solve our business needs
• Mentoring engineers, testers to ensure end-to-end quality.

Technology Stack:

• Backend: Node.js, Java
• Frontend: Angular (main back office), React (new components)
• Databases: AWS Aurora MySQL, Postgres (Microsoft SQL experience welcome)
• Cloud: AWS

Ideal Candidate Profile

• Background in Fintech or relevant Software Engineering Experience
• A strong understanding of design patterns
• Strong experience in Java Spring Boot or Node.js (cross-skilling supported).
• Advanced Microservice and event-driven architecture
• Familiarity with secure API development and client data handling.
• An understanding of containerised applications (Kubernetes and Rancher)

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