Latest Jobs at Capitec Bank

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

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)

Skills

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

Additional Information

• Clear criminal and credit record

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• At Capitec, we’re building secure, innovative banking solutions and we need skilled professionals who can stay one step ahead of evolving cyber threats. As a Cyber Security Engineer, specialising in Penetration Testing, you’ll play a key role in safeguarding our systems, applications, and customer data by identifying vulnerabilities before they become risks.

What Will You Do?

• Conduct penetration testing across web applications, APIs, and internal systems
• Participate in scoping sessions with internal stakeholders to define testing requirements
• Perform security assessments (primarily across API and web application environments)
• Analyze findings and provide clear, actionable remediation recommendations
• Engage with internal stakeholders to discuss vulnerabilities and resolution
• Support research and continuous improvement of security testing practices
• Collaborate with senior team members on escalations or complex issues

What Are We Looking For

• At least 6 years of experience in penetration testing in a professional work environment
• Strong exposure to web applications and API security
• Experience using tools like Burp Suite or similar
• Understanding of common vulnerabilities (e.g. OWASP Top 10)
• Ability to read and understand at least one scripting/programming language (e.g. Python, Bash, PowerShell, Java, PHP)
• Strong problem-solving skills and attention to detail
• Ability to communicate technical findings clearly to non-technical stakeholders
• Ability to own the full testing lifecycle from scoping through to reporting

Minimum Qualification

• A grade 12 certification 
• Tertiary qualification OR relevant certification in IT / Cyber Security

Ideal Qualifications

• OSCP (Offensive Security Certified Professional)
• EWPT (eLearnSecurity Web Penetration Tester)
• Burp Suite Practitioner Certification

Why Capitec?

• Work on high-impact security challenges within a leading digital bank
• Be part of a collaborative and forward-thinking security team
• Continuous learning and exposure to modern fintech and API ecosystems
• Opportunity to influence how security is embedded across the organisation

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Purpose Statement

• To provide operational support in managing, negotiating and coordinating cash device locations for a defined geographical property portfolio within the bank’s property and distribution environment, ensuring cash device locations effectively meet business and client needs thereby optimising access to cash solutions for personal and business banking clients.

Education (Minimum)

• Bachelor's Degree in Business Management or Properties & Development
• A relevant tertiary qualification in Law

Education (Ideal or Preferred)

• Honours Degree
• Masters Degree in Business Management

Knowledge and Experience
Knowledge:

• Knowledge of the South African retail property landscape (ATMs advantageous)
• Good understanding of property leasing principles and lease agreements (leasing concepts (offers to lease, renewals, expiries, escalations, occupancy terms).
• Key terminology (gross vs net rentals, OPEX, lease cycles, landlord obligations, tenant responsibilities).
• Property portfolio management principles, geographic distribution principles for physical networks, factors influencing site feasibility (foot traffic, visibility, access, complementary businesses).
• Understanding of internal governance and approval processes linked to cash devices (installations, relocations, consolidations).
• Understanding of ATM/cash device distribution considerations (security, access, client need, operational requirements).
• Record keeping, audit trails and data accuracy requirements and understanding of workflow systems or document management tools.

Experience:

• 1 - 3 years’ experience in the retail property industry in one or more of the following areas:
• Property leasing administration or portfolio coordination (commercial, retail or ATM/cash device-related).
• Exposure to lease preparation, renewals, tracking, documentation management and landlord interaction.
• Basic experience in market research, feasibility inputs, location analysis or distribution support.
• Experience supporting relocations, consolidations or site rollouts in a property or distribution environment.
• Working with internal teams such as Property, Legal, Projects, Finance, Operations or external property stakeholders.
• Experience preparing reports, collating data, or supporting governance requirements.

Skills

• Analytical Skills
• Attention to Detail
• Commercial Thinking Skills
• Communications Skills
• Computer Literacy (MS Word, MS Excel, MS Outlook)
• Drafting contracts
• Interpersonal & Relationship management Skills
• Negotiation skills
• Project Management Skills (Methodolgy Specific)
• Reporting Skills

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• To implement, support and manage Cyber Security solutions to protect systems, networks, users and data from cyber threats, assist in safeguarding Capitec’s digital assets and ensuring the confidentiality, integrity and availability of information.
• To design, build, implement, support and collaborate with Cyber Security colleagues and Capitec teams, participating in engineering and contributing to the delivery success of projects, based on specifications, while adhering to established standards.

Experience
Minimum:

• 3-5 years of experience in security engineering or a related technical role.
• Proven experience building, implementing, managing security solutions.
• Experience across cloud, DevOps, infrastructure or software engineering environments
• Exposure to CI/CD tools (e.g. GitLab, GitHub) and automation practices
• Working knowledge of cloud platforms (AWS preferred, Azure/GCP advantageous)
• Hands-on experience with security tools and technologies, Proficiency in automation.

Ideal:

• Experience in cloud platforms is highly desirable.
• 2-3 years DevOps experience.

Knowledge
Minimum:

• Basic understanding of at least one high-level programming language (GoLang / .net / Java / python)
• Advanced scripting skills in at least one interpreted language (Bash/PowerShell)
• Design and deployment of highly available, enterprise-scale Cloud infrastructure
• Advance knowledge of infrastructure concepts, technologies and patterns
• Supporting and enhancing build and release processes through automation 

Ideal

• Previous experience in a DevOps role and incorporating security controls in the build process.
• Experience in engineering data and/or security log pipelines using Big Data technologies such as Spark, Kafka, Hadoop, Storm, etc.
• Demonstrated experience in designing, implementing, and managing data security solutions for structured and unstructured data.
• Understanding of modern software engineering patterns, including those used in highly scalable, distributed, and resilient systems.
• Experience working with cross-functional teams and providing data security guidance to developers and IT staff.
• Familiarity with regulatory requirements and industry standards related to data protection.

Qualifications
Minimum:

• A relevant tertiary qualification in AWS Foundation or Cloud Computing

Ideal or Preferred:

• Bachelor's Degree in Information Technology or Engineering – OtherRelevant certifications such as CISSP, CISM, CISA, or other security-related certifications.AWS Data/Security certification

Technical capabilities

• Strong understanding of:
• Cloud security principles
• Data protection (encryption, masking, DLP)
• Access control and identity management

Experience with:

• Scripting (e.g. Bash, PowerShell, Python)
• Infrastructure-as-Code (e.g. Terraform, Ansible, CloudFormation)
• DevOps environments and practices

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Purpose Statement

• The Lead Analyst: Profitability plays a critical role in shaping business strategy by turning complex financial and data insights into clear, actionable profitability intelligence. Positioned within Finance, the role partners closely with the business to deeply understand revenue and cost drivers across products, transactions and distribution channels. Initially focused on supporting Personal Banking Credit, the role offers exposure to broader profit centres over time, making it a unique opportunity to influence performance at scale. By combining strong financial acumen with advanced data analytics capabilities (SQL and Power BI), this role delivers insight that directly informs decision-making, drives sustainable growth, and contributes to the overall success of the division and the bank.

Experience

• 2 - 4 years’ experience in analytical roles that included exposure to activity-based costing and project appraisal, leading projects and engaging with senior management
• Proven experience in building activity-based cost models and constructing business cases
• 2 - 4 years’ experience within financial services 

Qualifications (Minimum)

• Bachelor's Degree in Accounting - Financial Accounting or Mathematical Sciences

Qualifications (Ideal or Preferred)

• Bachelor's Degree in Accounting - Financial Accounting or Mathematical Sciences

Knowledge

• Activity based cost models
• Forecasting and budgeting
• Financial mathematics
• Capital cost calculations

Skills

• Numerical Reasoning skills
• Computer Literacy (MS Word, MS Excel, MS Outlook)
• Programming skill (SAS, SQL, R, Python)
• Commercial Thinking Skills
• Interpersonal & Relationship management Skills
• Analytical Skills

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Purpose of the role:

• The role bridges the gap between Data Engineers and Data Analysts by transforming complex data into accessible, reliable and performant data models and insights that support organisational decision‑making. The Analytics Engineer collaborates with stakeholders to understand analytical needs and partners with Data Architects and Data Modellers to design scalable data models aligned with enterprise data strategy. The role is responsible for designing and building efficient, reproducible data assets. This includes data models, data marts, semantic layers and working environments, as well as scalable transformations and pipelines. These assets enable Analytical Engineers and Data Analysts to deliver insights and reports quickly, consistently and with minimal friction.     

What you’ll do

• Design, build and maintain production‑ready data models that transform raw data into usable datasets Develop scalable data transformations with strong validation, testing and quality controls Create and optimise semantic layers and aggregation logic that support reporting and analysis Maintain and troubleshoot live data models, resolving incidents and improving performance Lead and influence design decisions, balancing quality, speed and long‑term sustainability Support and guide less experienced engineers through reviews, documentation and practical coaching

Minimum Experience

• At least 5 years’ experience in analytics engineering or a closely related data role
• Honours degree in an analytics/engineering  or STEM  or  related field, PLUS at least 5yrs relevant experience  OR
• Bachelor degree in an analytics or STEM  or  related field, PLUS at least 8yrs relevant experience 
• Proven experience delivering and supporting production data models and pipelines
• Strong data modelling capability and confidence designing business‑ready datasets
• Advanced SQL skills and experience using Python for data transformation or automation
• Experience building, testing and deploying data transformations using structured release practices
• Experience working on cloud data platforms and workflow orchestration tools such as Airflow or Prefect
• A solid understanding of data quality, governance and documentation
• Experience influencing technical decisions and working closely with stakeholders

Qualifications (Minimum)

• Bachelor's Degree in Analytical/Data/Technical or Other

Qualifications (Ideal or Preferred)

• Honours Degree in Analytical/Data/Technical or Engineering - Other

Knowledge
Advanced grasp of:

• Data modelling best practices.
• Data governance and quality assurance.
• Cloud data platforms and orchestration tools (e.g., Airflow, Prefect).
• Understanding of software engineering principles (e.g., CI/CD, testing).

Skills

• Analytical Skills
• Communications Skills
• Planning, organising and coordination skills
• Problem solving skills
• Reporting Skills

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The Role

• As a Senior Back‑End Software Engineer, you’ll play a key role in a cross‑functional product team, owning the full software development lifecycle  from design and build, through deployment, to operating systems in production.
• You’ll help design and deliver scalable, resilient back‑end systems that prioritise performance, reliability and future growth, while also guiding and supporting other engineers.

What You’ll Be Doing

• Design, build, test and operate scalable, cloud‑native systems on AWS
• Architect modern, reusable services aligned to AWS Well‑Architected principles
• Build and maintain event‑driven and microservices‑based architectures
• Deliver simple, elegant solutions powering airtime, data, rewards and smartphone journeys
• Optimise databases and APIs for performance, reliability and scale
• Collaborate closely with product, QA and platform teams
• Provide technical guidance and mentorship to other engineersHelp shape new connectivity products used by millions of clients

What We’re Looking For

• Minimum: Grade 12 National Certificate / Vocational
• Preferred: Relevant tertiary qualification in Information Technology
• 6+ years’ experience in back‑end software developmentStrong experience delivering production systems end‑to‑end Solid understanding of:
• Software Development Lifecycle (SDLC)
• RESTful API design and integration
• Advanced programming concepts, algorithms and data structures
• Design patterns and testing practices
• SQL database design and query optimisation
• Cloud platforms (AWS preferred)
• Microservices and event‑driven architectures
• Containerisation and deployment (e.g. Kubernetes)

Tech Stack (Core)

• Java
• Spring Boot
• AWS
• Kafka
• PostgreSQL

Skills

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

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About The Role

• This role is for an experienced quantitative professional who enjoys solving complex problems at enterpriselevel. You’ll design, develop and own quantitative models that underpin liquidity risk, capital adequacy, ALM,IRRBB and stress testing, operating across the full model lifecycle, from data through to executive insight.
• Beyond technical delivery, you’ll act as a trusted advisor to senior stakeholders, translating regulatoryframeworks and risk strategy into robust, interpretable models that stand up to scrutiny.

What You'll be Responsible For
Leading the design, development and ownership of quantitative risk models, with a strong focus on:

• Asset & Liability Management (ALM)
• Liquidity risk
• Interest Rate Risk in the Banking Book (IRRBB)
• Market risk and counterparty credit risk models
• Support enterprise and board‑level risk metrics, including capital adequacy, liquidity risk and regulatory reporting requirements
• Translate risk strategy and regulatory frameworks into practical, operational models and insights
• Work across the full model lifecycle - from data sourcing and preparation through to modelling, validation, interpretation and stakeholder engagement
• Partner closely with Risk, Treasury, Data Engineering and Senior Stakeholders to ensure models are fit‑for‑purpose and well understood
• Operate as a technical lead and subject‑matter expert, guiding best practice within the quantitative space

What We Are Looking For
Experience (minimum):

• 5–7 years’ hands‑on experience in quantitative risk modelling within banking, financial services or risk consulting
• Strong experience building (not just using) quantitative models
• Proven exposure to regulatory capital and liquidity frameworks (ICAAP, ILAAP, LCR, NSFR, CAR)
• Experience with stress testing and economic capital modelling
• Strong programming skills in Python or R, with SQL for data extraction

Experience (ideal):

• 7+ years’ experience in enterprise‑wide or Board‑facing quantitative roles
• Direct involvement in ICAAP / ILAAP or regulatory stress testing submissions
• Exposure to Basel III / IV interpretation and application
• Experience with A‑IRB credit risk models (PD, LGD, EAD) and advanced liquidity behavioural modelling
• Experience mentoring or technically guiding junior quants

Qualifications

• Minimum: Honours degree in Mathematics, Statistics or a related quantitative discipline
• Preferred: Master’s degree in Mathematics, Statistics, Engineering, Econometrics or Finance
• Professional certifications such as CFA, FRM or PRM are advantageous

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About The Role

• To enable and enhance software quality assurance by designing, implementing and optimising a comprehensive set of automation testing activities and scenarios, ensuring that  software meets and exceeds defined quality specifications throughout the Software Development Life Cycle (SDLC).
• To independently drive automation practices within a defined system or product area, ensuring effective test coverage, quality outcomes, and continuous improvement through  collaboration, innovation, and capability upliftment within the team

Knowledge and Experience
Minimum Experience:

• 3-5 years hands-on experience in automation testing
• Strong proficiency in JavaScript/Node.js
• Solid experience with Playwright for end-to-end test automation
• Experience building and maintaining service stubs/mocks with Node.js
• Proficiency in SQL (esp. PostgreSQL and SQL Server
• Experience with event-driven architectures and Kafka (consuming/producing test messages, validating event flows)
• Leading and mentoring less experienced or junior team members

Minimum Knowledge:

• Sound understanding of software development lifecycles and quality assurance principles
• Proficiency in automation testing frameworks and approaches across the testing lifecycle
• Working knowledge of modern development practices, including version control and continuous integration/continuous  delivery
• Understanding of system integration, APIs, and data management concepts relevant to testing
• Familiarity with test management, defect tracking, and reporting practices
• Knowledge of cloud-based environments and distributed system architectures
• Ability to analyse, interpret, and validate system behaviour using appropriate testing techniques
• Capability to support and guide less experienced team members

Ideal: 

• Exposure to non-functional testing practices, including performance and security testing
• Understanding of modern infrastructure and environment management approaches (e.g. cloud and containerisation)
• Familiarity with agile delivery methodologies and continuous delivery environments
• Knowledge of industry-specific systems and regulatory considerations
• Awareness of emerging practices, tools, and trends in quality engineering and test automation

Education (Minimum)

• Grade 12 National Certificate / Vocational
• Bachelor's Degree in Information Technology or Information Technology - Computer Science

Education (Ideal or Preferred)

• Software Testing - Foundation Level through the International Software Testing Qualification Board (ISTQB)

Skills

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

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About The Role

• 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, andregulatory 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 Quantitative 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 credit scorecard building, including developing, validating, and monitoring scorecards for credit risk application/behaviour models or marketing purposes.
• 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.

Qualifications

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

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

• The Data Analyst role exists to unlock value from data by making data accessible and meaningful to stakeholders across the organization. This role transforms data into actionable insights that support strategic decision-making, optimize operations, and drive business performance. By identifying trends, patterns, and opportunities, the role enables informed, data-driven decisions and contributes directly to the company’s strategic objective of being an insights-driven organization.

What you'll do

• Extract, analyse and interpret large datasets using SQL to support business decisions 
• Build and maintain dashboards and reports in Power BI, Tableau or similar tools 
• Investigate credit portfolio trends, anomalies and performance drivers 
• Work with credit, risk and finance teams to understand business questions and deliver relevant analysis 
• Translate complex analysis into clear summaries for senior and non-technical stakeholders 

About the Team

• You’ll work within a data and analytics environment supporting a large credit portfolio. Your insights will inform day-to-day credit risk management, portfolio monitoring and longer-term strategic decisions in a fast-moving financial services setting 

Minimum Requirements

•  Relevant degree in Data, Analytics, Mathematics ,Statistics, Engineering, Finance, or a related field 
• Minimum of  5 years’ Experience in data analysis, BI engineering or analytics platforms 
• Strong SQL skills and experience working with large datasets 
• Experience with BI tools such as Power BI, Tableau or similar 
• Ability to communicate insights clearly to non-technical stakeholders 
• Minimum of 5 years’ Experience delivering data-driven insights in a business environment. 
• Knowledge of data modelling techniques to structure and organize data effectively. 

Qualifications (Minimum)

• Bachelor's Degree in Analytical/Data/Technical or Other

Qualifications (Ideal or Preferred)

• Honours Degree in Analytical/Data/Technical or Other

Minimum Requirements

• Advanced proficiency in writing complex SQL queries, optimizing query performance, and working with large datasets.
• Expertise in advanced Excel functions, including macros and VBA.
• Proficiency in creating advanced visualizations and dashboards using tools like Tableau, Power BI, or similar.
• Advanced skills in Python or R, including data manipulation libraries (e.g., pandas, numpy) and data visualization libraries (e.g., matplotlib, seaborn).
• Strong understanding of statistical methods and their application in financial data analysis.
• Understanding of predictive analytics techniques and their application in financial analysis.
• Knowledge of data modelling techniques to structure and organize data effectively.
• Understanding of risk analysis methods and their application in financial services.

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Why This Role Exists

• We’re building a sharper, more forward-looking Finance Business Partnering capability to support growth across our organisation. Our team works closely with executives and senior leaders across the bank, supporting multiple portfolios that serve millions of clients and enable key strategic initiatives. 
• You’ll partner directly with leadership to shape strategy, challenge thinking, and turn insight into real financial impact - as we continue to evolve from traditional reporting into a more advisory, future-focused function that helps shape business direction. 

What You’ll Do

• Partner with senior leaders to support planning, performance tracking and decision-making.  
• Translate business drivers into clear financial insight that informs action 
• Contribute to budgeting, forecasting and management reporting cycles 
• Provide commercial analysis that helps manage risk and support sustainable growth 
• Use financial models and driver‑based analysis to test scenarios and improve outcomes 

Why This Role is Different

• We offer early exposure to senior decision‑makers and complex, real‑world challenges 
• We value commercial thinking as much as technical skill 
• We encourage curiosity, constructive challenge and shared ownership 
• We invest in long‑term relationships through an ongoing talent pool, not just single roles 

What We’re Looking For

• Fully qualified CA(SA) or CIMA (CGMA) professional. 
• 2–3 years’ post-qualification experience (post-articles) in finance, with a strong focus on financial planning and analysis, commercial finance, or business partnering  
• Proven experience partnering with the business and delivering financial insights to senior stakeholders to support strategic decision-making  
• Hands-on experience in budgeting, forecasting, performance management, and management reporting  
• Strong financial modelling capability, including driver-based analysis, scenario modelling, and strategic investment evaluation  
• Experience working across complex portfolios or multi-divisional environments, with an understanding of cross-functional financial integration  
• Solid understanding of financial governance, regulatory frameworks, and IFRS (advantageous, depending on portfolio)  
• Familiarity with enterprise financial systems and planning tools  
• Demonstrated ability to contribute to team capability, including mentoring or supporting junior team members  
• Strong communication skills, with the confidence to challenge, influence, and collaborate with senior stakeholders

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• We’re strengthening our Finance Business Partnering capability to support growth, scale and better decision‑making across the organisation. This role goes beyond partnering the business. It’s about leading people, setting direction, and raising the standard of insight we deliver to executives. 
• As a Finance Business Partner Team Lead, we’ll rely on you to lead a team of finance professionals, partner closely with senior leaders, and turn complex financial information into clear, actionable insight that shapes strategy and outcomes. 

What You'll Do

• Lead, coach and develop a team of Finance Business Partners, creating a high‑performance, accountable environment. 
• Partner with executives and senior leaders to support strategy, planning, and decision‑making across multiple portfolios. 
• Translate business drivers into meaningful financial insight that influences direction and outcomes. 
• Oversee budgeting, forecasting and performance management cycles. 
• Guide complex financial modelling, scenario analysis and strategic investment evaluation. 
• Ensure strong financial governance, quality reporting and disciplined delivery against business plans. 
• Drive continuous improvement in how finance partners with the business. 

Why This Role Is Different

• We work at executive level on complex, real‑world challenges that matter. 
• We value commercial thinking, leadership and judgement as much as technical excellence. 
• We encourage constructive challenge, ownership and curiosity. 
• We invest in long‑term capability, not just roles. 

What We’re Looking For

• Professional designation is mandatory (CA(SA). 
• Honours degree in Finance, Accounting or a related field. 
• 5–7+ years’ experience in finance, including substantial business partnering or financial planning and analysis experience. 
• Experience with scenario analysis, contract modelling or strategic investment evaluation (financial modelling). 
• At least 2–3 years in a leadership or team management role, leading or supervising finance professionals. 
• Proven track record of partnering with senior management and delivering insights at executive level. 
• Experience managing multiple portfolios or complex financial planning processes. 
• Strong exposure to strategic planning, budget cycles and executive‑level financial reporting. 
• Comfortable operating in a high‑performance environment with accountability for delivery against business objectives.