Latest Jobs at Capitec Bank

Purpose Statement

• The level III 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 complex software systems and applications, considering scalability, performance and future requirements. Responsible to guide and support developers and stakeholders in scoping, progress, status and resolution of engineering problems.
• The Full Stack Software Engineer plays a crucial role in developing and maintaining both front-end and back-end components of web applications and works on all layers of the application stack. They are therefore responsible for applying a holistic approach to building solutions that not only offer optimum performance, reliability, and scale but also create great client experiences.

Education (Minimum)

• Grade 12 National Certificate / Vocational

Education (Ideal or Preferred)

• A relevant tertiary qualification in Information Technology

Knowledge and Experience
Experience:

• 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

Knowledge: 

Is able to apply expert knowledge and develop others understanding  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 containerization
• Responsive design principles and mobile-first development.
• Browser compatibility issues and performance optimisation.
• Front-end build tools and package managers

Skills

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

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Purpose Statement

• Provide commercial analytical support to business decision-makers by analysing financial and non-financial data, profitability modelling and identifying opportunities across all dimensions including transactions, products and distribution channels. 

Experience

• 2+ years’ experience in a similar analytical role i.e. costing analyst.

Qualifications (Minimum)

• Grade 12 National Certificate / Vocational
• Bachelor's Degree in Accounting - Financial Accounting or Commerce

Qualifications (Ideal or Preferred)

• Bachelor's Degree in Accounting - Financial Accounting or Commerce

Knowledge

• Accounting principles
• Costing principles (ABC: Activity-Based Costing)
• Budgeting & Forecasting principles
• Financial modelling and data manipulation (e.g., Excel)

Skills

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

Conditions of Employment

• Clear criminal and credit record
• Willing to work regular shifts or weekends or rotational standbys

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About the role:

• The Account Analyst supports the day-to-day management of a business banking portfolio by delivering excellent client service, administering accounts, and preparing, processing, and monitoring credit facilities in line with risk and credit policies. The role also focuses on growing the portfolio through cross-selling and identifying new business opportunities while ensuring compliance, quality service, and portfolio profitability.

Our ideal candidate has:

• A minimum NQF4 Banking Certificate and ideally a Bachelor’s Degree in Commerce or Finance
• Minimum of 2-3 years’ experience in banking, with at least 1 year in a Business Banking or Commercial Banking environment.
• Proven experience in preparing, motivating, and processing credit applications in line with credit policies and risk frameworks.
• Demonstrated experience in analysing financial statements, balance sheets, and management accounts.
• Experience in managing and maintaining a client portfolio, including daily monitoring of lending and investment accounts.
• Proven track record in client service, relationship management, and handling business banking queries and requests.
• Experience in credit risk management, including monitoring excesses, account conduct, and credit compliance.
• Experience in identifying cross-selling opportunities and supporting sales growth within a business banking environment

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:

Knowledge and understanding of:

• Competitor product offerings/ channels/ operational and marketing tactics would be advantageous.
• Capitec/Business Bank systems and processes

go to method of application »

About the role:

• The Account Analyst supports the day-to-day management of a business banking portfolio by delivering excellent client service, administering accounts, and preparing, processing, and monitoring credit facilities in line with risk and credit policies. The role also focuses on growing the portfolio through cross-selling and identifying new business opportunities while ensuring compliance, quality service, and portfolio profitability.

Our ideal candidate has:

• A minimum NQF4 Banking Certificate and ideally a Bachelor’s Degree in Commerce or Finance
• Minimum of 2-3 years’ experience in banking, with at least 1 year in a Business Banking or Commercial Banking environment.
• Proven experience in preparing, motivating, and processing credit applications in line with credit policies and risk frameworks.
• Demonstrated experience in analysing financial statements, balance sheets, and management accounts.
• Experience in managing and maintaining a client portfolio, including daily monitoring of lending and investment accounts.
• Proven track record in client service, relationship management, and handling business banking queries and requests.
• Experience in credit risk management, including monitoring excesses, account conduct, and credit compliance.
• Experience in identifying cross-selling opportunities and supporting sales growth within a business banking environment

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:

Knowledge and understanding of:

• Competitor product offerings/ channels/ operational and marketing tactics would be advantageous.
• Capitec/Business Bank systems and processes

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Purpose Statement

• To support the Credit Manager in the management of the credit portfolio in the assessment and verification of credit applications and assessing credit risks prior to the migration of risk groups to other areas of the Bank.

Experience

• 3+yrs previous general banking experience, of which 1-2 years should have been spent in the Business Banking environment.  
• Financial statement analysis and pre-checking of credit applications

Qualifications (Minimum)

• Grade 12 National Certificate / Vocational

Qualifications (Ideal or Preferred)

• National Diploma in Accounting - Financial Accounting or Banking

Knowledge

• General understanding of how Business Banking operates, as well as understanding the business risks, industry risks and financial requirements pertaining to this market.  
• Good knowledge of general banking practices and procedures, especially within a Business Banking environment. 
• Good knowledge and understanding of Credit products, features and benefits. 
• Knowledge of Credit principles and practices, including an understanding of credit applications, collateral and financial statement requirements. 
• Knowledge of multiple legal entities (companies, close corporations, sole proprietorships etc.) in the Business  market and the legislative restrictions and requirements governing these from a financial services perspective.

Skills

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