Latest Jobs at Capitec Bank

Purpose Statement

• To build value for the product line by solving client and business challenges using data. 
• To utilise data and analytical skills and experience to build insights which enable senior decision makers to make better, informed decisions faster.

Education (Minimum)

• A relevant tertiary qualification in Business Administration or Mathematics

Knowledge and Experience
Minimum:-

Knowledge

• Design thinking
• The Data Product Life Cycle (DPLC)
• Data visualisations using tools such as Power BI 
• Fundamental knowledge of data privacy and security regulations 
• Fundamental knowledge of data quality and incident management  

Experience:

• At least 3 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 
• Exposure of using data transforma and visualisation tools such as Power BI, SQL and Excel
• Experience in building data visualisations using tools such as Power BI

Ideal:

• Knowledge of and experience operating on the AWS (or similar) data stack
• Experience in building data visualisations using tools such as Power BIKnowledge of agile project management methodology  

Additional Information

• Clear criminal and credit record

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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; and
• Grade 12 National Certificate / Vocational
• For internal applicants: Completion of BA School of Learning Level 1 & 2

Ideal or Preferred:

• A relevant post-graduate degree in Business or IT or a related field; and
• Business Analysis certification
• Experience and Knowledge

Minimum:

• At least 4 years' proven work experience in various business analysis knowledge areas, working independently with minimal oversight
• Business and data modelling and analysis
• Understanding of business process and translating requirements into business processes, context diagrams, visual explanations (e.g., data visualisation and Power BI reporting skills), etc.
• Functional and Non-Functional 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
• Risk assessment and root-cause analysis
• Project Management principles and relevant development lifecycle experience 
• Agile development lifecycle principles and experience
• Understanding of systems and the Systems Development Life Cycle (SDLC)
• Systems and solutions design thinking skills (Cloud Technologies)
• Customer Experience (CX) / client journey mapping
• Facilitating User Interface (UX) Designs
• Stakeholder engagement and collaboration

Ideal: 

• 5-8 years' proven work experience in various business analysis knowledge areas, working independently with minimal oversight
• Lean / Six Sigma
• Digital transformation and an understanding of Artificial Intelligence (AI)
• IDEF Modelling skills
• Banking industry knowledge

Skills

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

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About The Role

• Are you passionate about delivering impactful solutions that touch millions of lives? Capitec’s Savings team is looking for a dynamic Business Analyst to help shape the future of banking for every client. Join a team at the heart of Capitec, responsible for the bank’s core savings products—including main accounts, access anytime, fixed accounts, and notice deposits. You’ll work closely with the product manager, business engineers, and developers to drive innovation and ensure seamless client experience. 

Education (Minimum)

• Grade 12 National Certificate / Vocational
• Certification in Business Analysis

Knowledge and Experience

• At least 5 years relevant work experience in Business Analysis, with a proven track record of delivering client-facing features and solutions
• Demonstrated ability to lead through influence, using business rules, data, insight and communication to shape decisions and drive alignment.
• Advanced analytical and problem solving skills, supported by a critical thinking mindset.
• A high level of adaptability, thriving in agile, fast-paced environments where priorities can shift rapidly.
• Meticulous attention to detail, ensuring accuracy and quality in all deliverables
• Strong interpersonal skills.
• Background in engineering, computer science, finance, or similar fields—experience in financial services related to retail banking is a plus, but not required 

Key Responsibilities

• Deliver new features and enhancements that directly impact 24 million clients.
• Partner with Product Manager, Business Engineers and stakeholders to define problem statements, desired outcomes and measures of success.
• Analyse and enhance the full lifecycle of savings products, identifying friction points and opportunities for improvement.
• Conduct workshops, interviews, and system/data analysis to elicit and document clear, actionable requirements.
• Collaborate within a fast-paced, agile environment to drive change and maintain alignment across teams.
• Document processes, customer journeys, data flows and non-functional requirements.
• Work closely with solution architects and engineers to shape solution options and high-level designs and integration contracts (API’s/events)
• Support testing activities to ensure all solutions meet business requirements and comply with financial regulatory standards.

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

• We are looking for an Work Place Technology Engineer to join our cross-functional DevOps Workplace team. In this role, you will design, build, and maintain scalable, secure, and cost-effective infrastructure solutions that support 18,000 users and 26,000 devices across our head office and branch network.
• You will work closely with architects, vendors, and internal stakeholders to deliver modern workplace solutions using Microsoft Intune, SCCM, Active Directory/Entra ID, and cloud platforms like Azure and AWS. This role offers hands-on technical work as well as the opportunity to contribute to architectural planning and innovation.

More About the Role

• As a Workplace Engineer , you will play a key role in designing, building, implementing, and maintaining our IT workplace infrastructure. This includes ensuring that our end-user computing environment is resilient, scalable, cost-effective, and high-performing, while aligning to our company’s vision and objectives.
• You will work closely with IT architects, vendors, suppliers, and internal stakeholders to deliver innovative, secure, and compliant workplace solutions. From implementing infrastructure changes, maintaining system availability, and optimising deployments, to enabling seamless collaboration tools for employees, you will directly shape how our people experience technology every day.

Our ideal candidate has

• A relevant IT qualification (degree or certifications in Microsoft/Azure/AWS).
• 5+ years’ experience in enterprise end-user computing, covering design, build, and support.
• Proven experience with Microsoft Intune, SCCM, and Active Directory/Entra ID.
• Exposure to cloud platforms (Azure or AWS) for device management and identity services.
• Knowledge of endpoint security, compliance, and automation (PowerShell, Bash, or Python).
• Ability to work in large-scale, multi-site environments with thousands of users/devices.

Key qualities we’re looking for include:

• Strong technical expertise in Microsoft 365, Active Directory / Entra ID, Intune, SCCM, endpoint security, cloud (Azure/AWS), and collaboration platforms.
• Proven experience in designing, building, implementing, and maintaining enterprise workplace infrastructure.
• Solid knowledge of compliance, security frameworks, and automation (PowerShell, Python, Bash, or similar).
• A collaborative approach, with the ability to work across IT and business teams, as well as engage with external vendors and partners.
• Strong problem-solving and analytical skills, with the ability to balance innovation, scalability, and cost-efficiency.
• Self-motivated and detail-oriented, able to take ownership and deliver with urgency under pressure.

Education (Minimum)

• Grade 12 National Certificate / Vocational

Education (Ideal or Preferred)

• A relevant degree in Information Technology

Knowledge and Experience
Minimum: 

An operational understanding of: 

• End user and distributed IT systems and infrastructure 
• Desktop design standards and implementation strategy 
• Documenting of IT systems, infrastructure standards and SOP’s 
• Microsoft Windows operating system architecture and application integration 
• Active Directory and Group Policy management systems (Azure AD, EntraID, AGPM) 
• Identity and Access Management (AD Security and Group Management, Multi-Factor Authentication) 
• Security relevant to end user devices (Group policy configuration, EDR, Encryption, Remote Wipe) 
• Managing compliance levels, across the software stack (O/S, MS Office and 3rd Party applications) 
• System Centre Configuration Manager (Advanced use of and Troubleshooting of the system) 
• Knowledge in scripting tools such as VBScript, PowerShell, Python, JavaScript 
• End User hardware and peripherals (DELL, Lenovo) 
• Print Management Solutions (e.g. Y-Soft) 
• Cloud Service Providers (Azure, AWS, Google Cloud) 
• Microsoft 365 Services (Teams, Power Platform, Power BI, O365). 
• Microsoft Intune / MAM (Troubleshooting) 
• Cloud Management Gateways (e.g. Azure, SCCM)  
• Networking (DHCP, DNS, TCP/IP, Routing, Switching) 
• Currently relevant industry cloud solution technologies (e.g. Office 365, Azure) 
• Video, Voice and Collaboration services (Polycom, Logitech, Yealink, Cisco, Microsoft Teams Rooms) 
• SharePoint and SharePoint Online 
• Virtual Desktop Technologies (VDI, Citrix, VMWARE) 
• Microsoft Exchange, Exchange Online and SMTP relay type systems 
• SCCM (Architectural design and configuration of the system, creating reports) 
• Software packaging, task sequencing, WIM creation, Driver injection etc. 
• Observability tooling (e.g. Grafana, Instana, Pager Duty) 

Ideal : 

• Microsoft Teams PSTN Telephony Services 
• Google Workspaces 
• Object Oriented Language (C++, C#, Java). 
• SQL and NoSQL knowledge. 
• Restful API web services. 
• DELL Absolute 
• Lenovo LDI 
• DELL DCM and DCU 
• Documenting of IT systems, infrastructure standards, and SOP’s 
• Desktop design standards and implementation strategy 
• Currently relevant industry cloud solution technologies (e.g. Office 365, Azure) 
• Video, Voice and Collaboration services (Polycom, Logitech, Yealink, Cisco, Microsoft Teams Rooms) 
• SharePoint and SharePoint Online 
• Virtual Desktop Technologies (VDI, Citrix, VMWARE) 
• SCCM (Architectural design and configuration of the system, creating reports) 
• Software packaging, task sequencing, WIM creation, Driver injection etc. 

Skills

• Analytical Skills
• Communications Skills
• Computer Literacy (MS Word, MS Excel, MS Outlook)
• Presentation Skills
• Problem solving skills
• Project Management Skills (Methodolgy Specific)
• Researching skills

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About the role:

• The Portfolio Manager role is responsible for overseeing and coordinating risk projects within business banking and at group level. This person acts as the main point of contact for auditors and compliance activities, ensuring that all requirements are met across various teams. They are tasked with driving the delivery and maturity of License to Innovate (LTI), reporting progress to executive committees, and executing hands-on project management within the risk space. The role is independent, with no direct reports, and requires leveraging organizational knowledge and risk expertise to ensure effective project delivery and communication

Our Ideal Candidate Has:

• 6 years+ experience in Risk management, compliance, or audit within financial services  
• Knowledge of risk, compliance, and governance processes. 
• 3 Years in a portfolio or programme management role
• Ability to coordinate projects independently. 
• Strong understanding of regulatory frameworks (FCSA, PA, AML, FinCrime)
• Experience in product development risk support (BRIA, PIRA)
• Knowledge of disaster recovery planning and execution
• Previous exposure to similar roles or environments. 

Qualifications Minimum

• A relevant degree in Business Administration or Risk Management
• Certification in Project Management

Skills

• Management
• Leadership
• Risk assessment and mitigation planning
• Decision making
• Strategic communication and presentation (Exco-level)
• Facilitation of RCSA and risk workshops
• Audit planning and remediation tracking

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Purpose Statement

• Under the guidance of the Manager: Forensic Investigations or Manager: Insurance Fraud, investigate instances of risk related to various types of fraud incidents across Capitec (e.g. external fraud such as credit application fraud for Capitec Bank and policyholder or claims fraud for Capitec Insurance. This will include internal fraud, serious breach of policies and procedures, and criminal syndicates). Investigate the matter, the parties involved and provide appropriate evidence for disciplinary hearings and/or criminal proceedings. Identify control weaknesses and recommend preventative measures, improvements, and training initiatives against potential fraud.

Experience
Minimum:

• 3 plus years’ experience as a Forensic Investigator/Auditor 

Ideal: 

• Proven experience as a Forensic Investigator/Auditor in the Financial Services Sector

Qualifications (Minimum)

• Grade 12 National Certificate / Vocational

Qualifications (Ideal or Preferred)

• A relevant qualification in Law or Finance

Knowledge
Minimum:

• Investigation methods and procedures  
• Criminal law and law of evidence of the judicial process

Ideal: 

For Capitec Bank

• Knowledge of fraud in the banking industry

For Capitec Insurance

• Fraud and misrepresentation in the insurance industry

Skills

• Communications Skills
• Computer Literacy (MS Word, MS Excel, MS Outlook)
• Reporting Skills
• Presentation Skills
• Negotiation skills
• Attention to Detail
• Interpersonal & Relationship management Skills
• Analytical Skills
• Decision making skills

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About The Role/Team

• The Model Validation team provides assurance on the accuracy, robustness, and governance of models across Capitec. The unit plays a central role in supporting sound risk management, financial decision-making, and regulatory compliance. Our work spans a variety of domains, including credit risk, finance, capital modelling, and fraud detection. The team collaborates closely with modelling and business units, offering technical challenge and validation expertise to ensure models remain fit-for-purpose in an evolving environment.  We are seeking a skilled professional to join our team as a Model Validation Analyst. In this role, you’ll work on end-to-end model validations across different domains, take ownership of key deliverables, and build challenger models to ensure accuracy, reliability, and compliance of the bank’s models.

What We Are Looking For

• Proven 3-6 years’ experience in financial modelling (Forecasting and Stress Testing models), particularly in pricing, capital modelling, or IFRS 9 provisions.
• Strong analytical ability, with attention to detail and the ability to work across multiple model types.
• A collaborative mindset with the ability to engage effectively across technical and business teams. 

Education

• Minimum: Degree in Mathematics, Statistics or Actuarial Science.
• Ideal or Preferred: Honours Degree in Data Science, Statistics, Mathematics or Actuarial Science.

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About The Role/Team

• Our Model Validation team is a critical function within the organisation, responsible for ensuring the accuracy, reliability, and governance of models across credit, finance, and fraud risk domains. The unit provides oversight, technical challenge, and assurance to support sound decision-making and regulatory compliance. We are seeking an experienced Data Science professional to join as a Model Validation Lead. In this role, you will provide technical expertise and leadership in the validation of advanced AI and ML models, while guiding and mentoring analysts within the team. You will be responsible for the design and execution of independent validations, the development of challenger models, and ensuring adherence to governance standards.This role requires strong technical modelling capabilities, the ability to collaborate with a wide range of stakeholders, and the professional maturity to influence outcomes in a complex and evolving environment. 

What You’ll Be Doing

• Provide subject matter expertise, oversight and guidance with regards to the technical review and validation of models used in the organisation, particularly machine learning models.  
• Ensure appropriate model governance and model risk management processes and standards are in place in order to manage model risk, improve and optimise model methodologies and usage. 
• Lead and deliver independent validations across a range of models, including credit risk, operational optimisation, financial crime, and marketing campaigns. 
• Provide technical oversight and mentorship to analysts, supporting skills development and professional growth. 
• Design and implement challenger models using advanced machine learning methods. 
• Research current and new machine learning algorithms to ensure proposed models are fit for purpose and market best practice is being followed. 
• Ensure models meet governance, regulatory, and internal risk standards. 
• Partner with model development teams and business stakeholders to provide effective challenge and assurance. 
• Contribute to the ongoing enhancement of model validation methodologies, frameworks, and best practices. 

What We Are Looking For

• Have 6+ years of proven experience in model development in the field of Data Science and ideally direct model validation or review experience.  
• Strong technical expertise in tree-based methods, neural networks, clustering, anomaly detection, and other advanced statistical or machine learning techniques. 
• Exposure to cloud platforms (AWS preferred) and emerging technologies such as large language models is desirable. 
• Demonstrated ability to mentor and guide junior analysts, identifying skills gaps and supporting development. 
• Excellent communication and stakeholder engagement skills, with the ability to work effectively across multiple teams and disciplines. 
• Able to design and deliver end-to-end on all but the most complex ML projects without supervision. 
• Data mining for use in analyses and predictive modelling.  
• Have had own model(s) reviewed and validated or directly validated models in the past.  
• Presenting and defending findings to model developers and senior management. 

Education

• Minimum: Honours Degree in Mathematics, Statistics or Data Science.

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About The Role/Team

• The Model Validation team provides assurance on the accuracy, robustness, and governance of models across Capitec. The unit plays a central role in supporting sound risk management, financial decision-making, and regulatory compliance. Our work spans a variety of domains, including credit risk, finance, capital modelling, and fraud detection. The team collaborates closely with modelling and business units, offering technical challenge and validation expertise to ensure models remain fit-for-purpose in an evolving environment. 
• We are seeking a skilled professional to join our team as a Model Validation Analyst (Decision Science). In this role, you’ll work on end-to-end model validations across different domains, take ownership of key deliverables, and build challenger models to ensure accuracy, reliability, and compliance of the bank’s models. 

What We Are Looking For

• Proven 3-6 years’ experience in scorecard building, including developing, validating, and monitoring scorecards for credit risk application/behaviour models or marketing purposes. This experience will be used in the role to challenge models presented to the team and to build challenger models.
• Experience with data mining used for analyses and predictive modelling.
• Full understanding of the credit lifecycle.
• Strong analytical ability, with attention to detail and the ability to work across multiple model types.
• A collaborative mindset with the ability to engage effectively across technical and business teams. 

Education

• Minimum: Degree in Mathematics, Statistics, Actuarial Science or Data Science. 
• Ideal or Preferred: Honours Degree in Data Science, Statistics, Mathematics or Actuarial Science. 

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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.
• Holding responsibility for client relationship management of high value clients with varied and complex needs
• Significant experience in preparing and motivating Credit applications 
• Cost control and sales management 

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. 
• Advanced customer relationship management (CRM) principles and techniques, esp.  projecting credibility, gravitas and presence in the context of business (client) stakeholders. 
• Different industry sectors and sector risk profiles/ trends; including an understanding of the impact of external (economic, political, legislative, climatic) conditions on specific industries/ markets 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
• Computer Literacy (MS Word, MS Excel, MS Outlook)
• Negotiation skills
• Problem solving skills
• Decision making skills
• Commercial Thinking Skills
• Strategic Thinking Skills
• Communications Skills
• Influencing Skills
• Analytical Skills
• Attention to Detail

Conditions of Employment

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