Capitec Bank is a South African commercial bank. As of February 2017 the bank was the third largest in South Africa with 120,000 customer opening new accounts per month.
To simplify banking, we’ve developed an all-inclusive banking solution. Global One is the one solution that enables you to transact, save and access credit in realtime. We also believe in ...
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Purpose Statement
- The successful incumbent will be responsible for the constructional design of floor layouts for new/upgrade branches, including offsite cash devises and all alterations to existing branches, with a strong focus on external and internal branch signage, in-branch communication and overall branch look and feel. This will include the liaison with the relevant suppliers, contractors, landlords and tenant coordinators in this regard.
Experience
- 2 years’ experience in architectural design and construction
Qualifications (Minimum)
- Grade 12 National Certificate / Vocational
Qualifications (Ideal or Preferred)
- A relevant tertiary qualification in ITIL Foundation
Knowledge
- Building/ Construction – Methods/ Materials/ Regulations
Skills
- Computer Literacy (MS Word, MS Excel, MS Outlook)
- Communications Skills
- Project Management Skills (Methodolgy Specific)
- Interpersonal & Relationship management Skills
- Analytical Skills
- Commercial Thinking 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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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 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:
- 3+ 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:
- Strong understanding of database structures and data management, including the ability to interpret, manipulate, and query data using SQL. The role requires an understanding of how data supports business processes, how it is used within existing workflows, and the ability to analyze and maintain data integrity across systems.
- Knowledge of event-driven architectures and messaging platforms (e.g., Kafka, AWS SQS, or similar) would be advantageous.
- Exposure to Infrastructure as Code (IaC) tools such as Terraform, Helm Charts, or similar technologies would be advantageous.
- Experience with Node.js and Fastify (or similar backend frameworks) for developing, maintaining, and supporting APIs and payment services would be an advantage.
Skills
- Analytical Skills
- Attention to Detail
- Communications Skills
- Interpersonal & Relationship management Skills
- Problem solving skills
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- We are seeking a business development leader to join Capitec’s SME Payment Acceptance team. This position is responsible for identifying, designing, and delivering products and services that provide tangible value and address genuine client needs. The role bridges strategy, execution and business, transforming insights into practical, commercially viable solutions that enhance our client service and drive business growth.
Why this role is different
- We give you the opportunity to operate as a true business owner. You will influence strategic direction, work closely with senior leaders and play a key role in shaping products that directly impact our clients. This is a space where you can apply both commercial thinking and creativity, and where your work will be visible across the organisation.
What you’ll do
- Lead the development and execution of business strategies that deliver measurable growth and client value
- Identify new opportunities through market analysis, client insight and competitor research, and turn them into clear business cases and plans
- Own the end‑to‑end delivery of product and service initiatives, from concept through to implementation and commercialisation
- Guide decision‑making by providing strategic advice, setting priorities and balancing demand with available resources
- Build and manage strong stakeholder relationships to align teams and ensure successful delivery across the business
- Monitor performance, track success metrics and continuously improve products and processes
Qualifications (Minimum)
- Honours Degree in Finance
Qualifications (Ideal or Preferred)
- Qualified Chartered Accountant (CA) in Finance
What we’re looking for
- Significant experience in the financial services or banking environment
- A track record of developing and delivering new ideas, products or business cases
- Strong commercial thinking with the ability to turn insight into practical solutions
- Experience working with senior stakeholders and building trusted relationships
- Ability to analyse market, competitor and client data to inform decisions
- Strong leadership, influencing and decision‑making skills
- Understanding of regulatory and governance requirements in financial service
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Purpose Statement
- To manage the Business Centre in terms of driving a proactive sales and service culture that will retain and grow the Business Centre client base.
- Responsible for driving activity, planning and implementing marketing, sales, and support services strategies for the Business Centre
Experience
Minimum:
- Banking experience of at least 5 years, of which 3 years should have been spent in the Business Banking environment.
- 3 years managerial experience
- Significant experience in preparing and motivating Credit applications
- Budgeting, forecasting, cost control and sales management experience is essential.
- Accountability for managing a profitable cost 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:
- Business knowledge and acumen
- Understand interdependencies between industry knowledge, business and financial risks, Business banking product knowledge, pricing and taxation (to determine feasible operating tactics for the Centre to maximise total profit and minimise loss )
- People management principles and practices
- Financial Modelling; activity based costing, financial analysis (evaluating and identifying trends), complex cash flow cycles (industry/ sector specific)
- Principles and practices of business economics and the current business economic environment.
- Different industry sectors and sector risk profiles/ trends; this includes an understanding of the impact of climatic conditions on markets
- Managing Local Market (MLM) sales principles and practices to manage and optimise retention and growth within the Centre.
- 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 and
- 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).
- Extract and apply information to CRM (Customer relationship management) 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
Skills
- Communications Skills
- Analytical Skills
- Interpersonal & Relationship management Skills
- Negotiation skills
- Planning, organising and coordination skills
Conditions of Employment
- Clear criminal and credit record
- Willingness to travel nationally and internationally when required
- A valid driver's license and own vehicle is required
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Purpose Statement
- To lead the planning, coordination, and execution of Capitec’s PR initiatives. Ensure alignment with brand objectives, contribute subject matter expertise, and manage day-to-day delivery in collaboration with internal teams and external partners.
Experience:
- 3–5 years in a PR, communications or event coordination role.
- Experience working with external agencies and managing vendor relationships.
- Proven track record of executing PR campaigns and coordinating events.
- Exposure to media pitching, press release writing and stakeholder engagement.
- Experience in budget tracking and reporting is beneficial.
- Writing for press releases, pitches and internal communications
- Communication for stakeholder engagement.
- Building and maintaining relationships with journalists and media outlets.
Qualifications (Minimum)
- A relevant tertiary qualification in Public Relations
Knowledge:
- Understanding of public relations principles, media engagement, and event planning processes.
- Knowledge of key media outlets, journalists, and trends.
- Knowledge of how PR and events contribute to brand positioning and reputation.
- Understanding of how PR integrates with broader marketing efforts (e.g., digital, ATL).
- Awareness of how to track media placements and measure PR effectiveness
- Project management principles and practices
- How to develop engaging story angles and event concepts that align with brand strategy.
Skills
- Attention to Detail
- Communications Skills
- Planning, organising and coordination skills
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Purpose Statement
- To lead organisational transformation by driving strategic Experience Design leadership and embedding human-centred design practices across the enterprise and through the Centre of Mastery.
- To establish and evolve the vision and direction for Capitec’s Experience Design discipline in alignment with business strategy and brand value, building and nurturing a world-class capability that delivers measurable business impact, while creating exceptional, innovative user experiences across all channels through robust design standards and practices.
Education (Minimum)
- Bachelor's Degree in User Experience / User Design or Information Technology - Computer Science
Education (Ideal or Preferred)
- Certification in Management or Other
Knowledge and Experience
Experience:
- Experience managing large, distributed UX teams
- Strong background in digital product development
- Experience with enterprise-scale design systems
- Competence in setting standards, managing processes and driving continuous improvement.
Knowledge:
- Deep understanding of business strategy and product development lifecycles
- Deep understanding of UX principles, design thinking and human-cantered design methodologies.
- Familiarity with UX research techniques, usability testing and analytics.
- Awareness of industry trends, emerging technologies and best practices in UX.
Skills
- Analytical Skills
- Commercial Thinking Skills
- Decision making skills
- Interpersonal & Relationship management Skills
- Leadership Skills
- Negotiation skills
- Problem solving skills
- Strategic Thinking Skills
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Purpose Statement
- To lead a Business Analysts team, prioritize and oversee work within the BSC Operational System Support client-facing departments, and provide subject matter expertise and actionable insights to influence decision-making. Ensure delivery within contracted timelines, aligned with the objectives, plans, processes, and standards of the Operational System Support Department.
Experience
Minimum/Ideal:
- Minimum of 3 - 5 years’ experience as Business Analyst or equivalent (data analyst etc.) including experience in data analytics environment
- Minimum 3 years’ experience in leading a team in a fast-moving environment.
Function specific experience:
- Experience in identifying, quantifying, and providing solutions for business challenges using data or technology.
- Experience and knowledge of the ETL (extract, transform, load) data flow.
- Experience in identifying and quantifying business challenges and delivering solutions using data.
- Experience in building data visualizations using tools such as Power BI.
- A good understanding of database management, data warehousing, data mining, and data visualization.
Qualifications (Minimum)
- Grade 12 National Certificate / Vocational in Grade 12 National Certificate
- A relevant tertiary qualification in Business Administration
Qualifications (Ideal or Preferred)
- Bachelor's Degree
- A Relevant Professional Qualification in Business Analysis or Data Analysis
Knowledge
- People/team leadership practices and principles
- General operations management practices and principles and stakeholder and client management
- HR principles and processes.
- Client service principles and practices.
- Liaising with 3rd party providers
- Function specific knowledge:
- Proficiency in Amazon Connect for monitoring capabilities and identifying improvement areas through reporting and dashboards
- Operational Process mapping skills
- Ability to drive an environment of innovation and identify opportunities for process automation to enhance efficiency and accuracy
- Proficient in agile project management and Jira.
Skills
- Analytical Skills
- Attention to Detail
- Communications Skills
- Computer Literacy (MS Word, MS Excel, MS Outlook)
- Decision making skills
- Interpersonal & Relationship management Skills
- Leadership Skills
- Planning, organising and coordination skills
- Presentation Skills
- Problem solving skills
- Project Management Skills (Methodolgy Specific)
- Reporting Skills
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- As the Manager: People Experience (Services), you’ll lead how employees interact with HR - from self-service to query resolution, proactive communication, and service innovation.
- This role is about designing and delivering a seamless, responsive and trusted service experience across the employee lifecycle.
What You’ll Be Responsible For
You’ll own the execution of the People Service model, including:
Service Strategy & Delivery
- Define and embed a scalable, employee-centric service model
- Lead HelloHR, self-service platforms and employee support channels
- Drive consistent service delivery through SLAs and governance
Employee Experience & Communication
- Deliver proactive communication campaigns across employee lifecycle moments
- Ensure clear, timely, and employee-friendly HR communication
- Improve employee engagement through better service interactions
Query Management & Service Insights
- Oversee high-quality, SLA-driven query resolution
- Analyse trends to reduce demand and improve experience
- Use insights and feedback to continuously evolve services
Digital Enablement & Automation
- Drive adoption of self-service, knowledge management and AI-enabled support
- Optimise HR service channels and workflows
- Partner with Technology and HR to enhance system usability
Benefits & Service Operations
- Oversee benefits administration (medical, retirement, risk, leave)
- Manage external providers and ensure service quality
- Improve integration across systems to reduce rework
Leadership & Stakeholder Management
- Lead high-volume service delivery teams
- Partner with HR, Payroll, Risk and Technology
- Drive a culture of responsiveness, collaboration and service excellence
What You’ll Bring
Experience & Expertise
- 8+ years in People Services / HR Operations / Shared Services
- Experience leading service delivery or employee experience teams
- Strong exposure to case management, query resolution and SLA environments
- Proven experience implementing service models and digital HR channels
- Track record in improving employee experience through service innovation
Knowledge
- People Service Models and shared services frameworks
- Employee lifecycle and HR service delivery practices
- Digital HR tools, self-service and knowledge management
- Service analytics, reporting and employee satisfaction metrics
What sets you apart
- Passion for employee experience and service design
- Ability to balance volume, quality and responsiveness
- Strong communicator with a customer-centric mindset
- Data-driven approach to continuous service improvement
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Purpose Statement
- Manage and ensure Capitec’s compliance to relevant legislations and internal policies through identifying, mitigating and controlling risks in an allocated area of accountability.
Experience
MINIMUM:
- 3 Years’ long term / short-term insurance experience, of which one year has to be in a FAIS Representative capacity.
- Client service experience
IDEAL:
- 3+ Years’ long term / short-term insurance experience, of which one year has to be in a FAIS Representative capacity
- Experience in a position working with senior stakeholders
Qualifications (Minimum)
- A relevant tertiary qualification
- FAIS accredited as Key Individual and approved by FSCA
Qualifications (Ideal or Preferred)
- A relevant post-graduate qualification
Knowledge
MINIMUM:
- Customer care and service protocol knowledge
- Basic regulatory knowledge
- Business and commercial awareness
- Insurance Industry (Long- and short term insurance)
- Risk Industry
- Banking Industry
- Dispute resolution (complaints management)
- Knowledge of FAIS, National Credit Act, Conduct Standards for Banks etc.
IDEAL:
Skills
- Attention to Detail
- Communications Skills
- Influencing Skills
- Interpersonal & Relationship management Skills
- Planning, organising and coordination skills
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Purpose Statement
- Lead the embedding, optimisation and maintenance of the accuracy of the Credit Pricing or Provisioning framework and all related models for the Capitec Group
- Lead the team responsible for the design, development, testing, implementation and maintenance of existing and new models, while adhering to standards, principles, methodologies and frameworks for any one of the below functions:
- Credit pricing and capital requirement calculations
- Modelling and forecasting of bad debt (Provisioning)
Experience
Minimum:
- Honours Degree with 7+ years’ experience in an analytical capacity, working in a dynamic, mathematically complex environment – focusing on financial modelling.
- Of which at least 3 years in working with credit pricing or provisioning.
- OR Masters Degree with 6+ years’ experience in an analytical capacity, working in a dynamic, mathematically complex environment – focusing on financial modelling.
- Of which at least 3 years in working with credit pricing or provisioning.
- Previous leadership experience
- Regular exposure to members of the Executive Committee.
Ideal:
- Capitec Experience
- Supervisory experience
Qualifications (Minimum)
- Honours Degree in Mathematics or Statistics
Qualifications (Ideal or Preferred)
- Masters Degree in Mathematics or Statistics
Knowledge
Minimum:
- Forecasting / budgeting
- Advanced statistical analysis
- Advanced financial mathematics
- Expert knowledge on credit pricing or provisioning principles, standards, methodologies, frameworks and best practices.
- Relevant legislation and regulatory frameworks (Basel, IFRS 9)
- Regulatory analytics (ICAAP, AIRB)
- Expert knowledge on the impact of the economic, operating and regulatory environment on credit pricing or provisioning strategies
- Monitoring framework development and execution
- Leadership principles
Ideal:
- Commercial, business and financial principles and practices.
- Operational environments across the credit life cycle
Skills
- Analytical Skills
- Attention to Detail
- Communications Skills
- Computer Literacy (MS Word, MS Excel, MS Outlook)
- Numerical Reasoning skills
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Purpose Statement
- To shape and lead the Insights Solutions strategy and operating model within the Insights & Media Solutions domain, delivering sustained growth through data-driven insights products, services, partnerships and commercial solutions.
- To be accountable for end‑to‑end departmental performance, including strategy, growth, resource allocation, budget ownership, commercial outcomes, governance and integration with adjacent functions to achieve enterprise priorities.
- This is a senior leadership role accountable for the strategy, commercial performance, delivery and governance of the Insights Solutions portfolio.
Education (Minimum)
Honours Degree
- A relevant tertiary qualification in Commerce or Business Management
Education (Ideal or Preferred)
- Honours Degree in Information Systems or Engineering - General
Knowledge and Experience
Experience:
- 8+ years’ experience across financial services or other relevant industries such as retail, insurance, FMCG / manufacturing or consulting in data insights, analytics or a related commercial domain, including 5 years in a senior leadership position.
- Proven experience leading a department or team with budget and resource accountability
- Track record of shaping and delivering sustained commercial growth
- Experience operating and influencing at Exco and senior enterprise forums
- Demonstrated responsibility for strategy, operating model and performance outcomes.
Knowledge:
- Expert and deep, comprehensive knowledge and understanding of Insights solutions, including expert technical, data, system, process and commercial knowledge across data insights, analytics and data monetisation.
- Advanced commercial and financial acumen
- Enterprise strategy and portfolio management
- Data utilisation and insights, product strategy and commercialisation
- Revenue growth & monetisation strategy
- Commercial pipeline & partnership development
- Client lifecycle & retention strategy
- Regulatory and risk frameworks in financial services
- Business case evaluation and investment governance
Skills
- Analytical Skills
- Commercial Thinking Skills
- Communications Skills
- Decision making skills
- Leadership Skills
- Management skills
- Planning, organising and coordination skills
- Strategic Thinking Skills
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- In this role, you will play a critical part in safeguarding Capitec’s legal, operational and reputational integrity by leading complex employee relations matters, representing the organisation in high‑risk disputes, and partnering closely with leaders to strengthen ER governance and capability across the business. This is a high-impact, trusted advisor role with real influence - far beyond case management. It’s ideal for an experienced ER professional who thrives on shaping policy, influencing decisions, and balancing the needs of both people and the business.
What You’ll Be Responsible For
Provide Advanced Employee Relations Advice and Support
- Provide expert guidance on complex ER matters, including investigations, documentation, and case resolution aligned to policy and legislation.
- Act as an escalation point, mentoring team members and driving consistent, solution-focused ER practices.
Represent the Organisation in High-Complexity Disputes
- Independently represent the organisation at CCMA/Labour Court, preparing cases, evidence, and stakeholders.
- Manage relationships with unions, attorneys, and stakeholders while tracking dispute trends and risks.
Educate and Train Employees on Labour Relations
- Develop and deliver ER training, workshops, and coaching aligned to best practice and legislation.
- Identify capability gaps and provide targeted upskilling to improve ER knowledge across the business.
Identify and Address Risks in the Application of Policies and Procedures
- Analyse trends and assess ER knowledge to identify risks and recommend improvements.
- Track and report key ER metrics (e.g., case volumes, turnaround times, outcomes) to support oversight and better decision-making.
Monitor and Mitigate Labour and Reputational Risks
- Manage low and high-risk ER matters (disciplinary, grievances, misconduct, Labour Court cases).
- Identify risk trends and implement strategies to minimise legal, financial, and reputational exposure.
Conduct Research and Lead Policy Updates
- Conduct research on labour law and industry trends to inform policy updates.
- Recommend and draft policy improvements to ensure compliance and business alignment.
Manage Administration and Reporting
- Ensure accurate ER administration, reporting, and follow-through on all cases.
- Provide insights, track trends, and improve ER processes for efficiency and compliance.
What You’ll Bring
- 5–8 years specialist experience in a Labour/Employee Relations environment (CCMA, Labour Court, disciplinary processes, Employment Equity).
- Proven experience independently handling complex CCMA conciliations and arbitrations.
- Demonstrated ability to conduct, initiate, and chair complex disciplinary hearings.
- Experience working under pressure with high adaptability.
- Strong background in drafting/reviewing ER policies, procedures, and legal documentation.
- Exposure to union negotiations and collective labour matters.
Ideal:
- Experience within a banking, financial, or retail environment.
Qualifications
Minimum
- LLB Degree or equivalent qualification.
Ideal
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About The Role
- Numbers are the backbone of everything we do. As a Financial Accountant II, you'll make sure ours are right - recording transactions accurately, reviewing Balance Sheet reconciliations and keeping our financial records complete. You'll also guide and mentor team members, sharing your know-how to help the team grow.
- This role suits someone who takes ownership, thinks carefully and doesn't let errors slide.
What you'll do
Financial accounting
- Record financial transactions accurately and on time throughout the month
- Execute month-end entries in line with the 'Month End Task List'
- Review and release Purchase Orders – checking VAT compliance, correct General Ledger allocation and budget availability
- Maintain Accruals, Contingencies, Provisioning and PrePaid schedules
Control environment
- Spot and act on opportunities to strengthen controls
- Design and maintain effective accounting processes and systems
- Review SAP Master Data regularly and keep it current
Analysis and reporting
- Perform month-on-month Income Statement expense analysis
- Review monthly Balance Sheet reconciliations and resolve items timeously
- Produce clear reports that other teams can use directly
Team support
- Guide and mentor team members in your area of expertise
- Review kilometre claims, personnel claims and payment requisitions before they go to Accounts Payable
- Review outstanding Purchase Orders weekly and work with Business to action them
- Help with internal and external audit requests
What You''ll Bring
Minimum qualifications and experience
- Bachelor's Degree in Accounting – Financial Accounting
- Completed SAICA or SAIPA Articles
- 0–2 years post-articles experience in Financial Accounting, covering a wide range of accounting functions
Preferred
- Honours Degree in Accounting – Financial Accounting
- SAP accounting module experience
Knowledge
- IFRS and GAAP
- Accounting principles and computerised accounting systems
- South African Tax, including VAT
- Financial data analysis and interpretation
- Microsoft Office Suite
Skills
- Strong analytical and numerical reasoning
- Sharp attention to detail
- Clear written and verbal communication
- Problem solving and reporting
Method of Application
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