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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...
Purpose Statement
To recommend strategic changes to credit policy so that retail credit portfolios are operating at their optimal by ensuring the bank stays on bad debt risk appetite.
To determine how bad debts are performing against budgets/forecasts and pricing targets, and to monitor actual bad debts against pricing target to ensure alignment with risk appetite.
To enable clarity and understanding of bad debt matters within the Retail Credit Team, the Executive and Board
Promote efficiency and clarity by:
reporting on the impact of bad debts (including recoveries) on credit portfolio profit in a clear and reconciled manner;
establishing a shared language, way of work and shared tools, across departments involved in bad debt management and reporting.
Experience
Minimum:
Proven track record on SQL, SAS, R or Python
At least 7 years’ proven experience in Credit within the financial services / retail banking industry
At least 3 years’ experience in bad debt provisions or collections, pricing and profitability measurement as well as related systems, processes and procedures
Experience in:
Drafting business plans, presenting and finalising strategies
Business analysis: Design and implementation of processes and procedures
Ideal:
At least 5 – 6 years’ experience in bad debt provisions or collections, pricing and profitability measurement as well as related systems, processes and procedures in retail banking
Experience in Capitec
Qualifications (Minimum)
A relevant tertiary qualification in Accounting - Management Accounting or Mathematics
Qualifications (Ideal or Preferred)
Masters Degree in Accounting - Management Accounting or Mathematics
Knowledge
Minimum:
Credit statistics
Business Analytics
Understanding of accounting, budgeting, pricing and provisioning principles in a bank
Income statement and balance sheet accounting transactions of a bank
Project management principles and methodologies (able to maintain continuity on multiple projects, time management, planning and organisational skills)
Financial systems & procedures
Regulations pertaining to credit management
Credit management systems
Unsecured credit, including credit facilities and credit cards
Ideal:
In depth knowledge of Capitec’s Credit Policy
General understanding of the Banks Act Capital Regulations, National Credit Act and the implication for Capitec business and the Credit Bureau
Strong credit industry knowledge
Business analysis experience on a banking system
Analytical experience on credit portfolio
Bank governance experience (ALCO, Risk Committee, Credit Committee, etc)
Book management – soft and hard collections and pay date management
Payment systems (Authenticated Collections, Debit Order and Non-Authenticated Early Debit Order)
Skills
Computer Literacy (MS Word, MS Excel, MS Outlook)
Communications Skills
Negotiation skills
Change Management Skills
Numerical Reasoning skills
Attention to Detail
Competencies
Deciding and Initiating Action
Adhering to Principles and Values
Analysing
Coping with Pressures and Setbacks
Adapting and Responding to Change
Delivering Results and Meeting Customer Expectations
Planning and Organising
Working with People
Presenting and Communicating Information
Entrepreneurial and Commercial Thinking
Conditions of Employment
Clear criminal and credit record
Purpose Statement
Responsible for planning, directing and coordinating the activities of multiple smaller projects or one larger project, to ensure that all the goals are accomplished.
Experience
Min:
At least 5 - 8 years’ proven experience in an administrative or related junior project management role (project / task coordination & resource capacity planning using a shared pool of resources within a similar environment)
Qualifications (Minimum)
A relevant qualification in Project Management
Grade 12 National Certificate / Vocational
Qualifications (Ideal or Preferred)
PMI Accredited Project Management Certification
Knowledge
Min:
General knowledge of :
Systems Development Life Cycle
Project management methodologies
Ideal:
Knowledge of:
Project Management systems and procedures (e.g. EPM)
Project Management terminology and guidelines (e.g. PMBoK)
Systems integration in an open IT system environment
IT within the banking industry
Skills
Communications Skills
Computer Literacy (MS Word, MS Excel, MS Outlook)
Interpersonal & Relationship management Skills
Influencing Skills
Facilitation Skills
Planning, organising and coordination skills
Attention to Detail
Competencies
Delivering Results and Meeting Customer Expectations
Deciding and Initiating Action
Adapting and Responding to Change
Persuading and Influencing
Presenting and Communicating Information
Planning and Organising
Following Instructions and Procedures
Relating and Networking
Conditions of Employment
Clear criminal and credit record
A valid driver's license and own vehicle is required
Purpose Statement
Responsible for a producing a comprehensive technical specification from business requirements related to the EDC environment (remote banking)
Assist the BA to ensure that the functional design offers a technical viable solution and address the business requirements
Design technical test plans and provide guidelines to facilitate performance and stress testing
Continuous business and industry research to guide the critical evaluation of architectural and design patterns & principles.
Experience
Min:
At least 10 years' relevant experience in Systems Development and proven experience as Architect within retail banking and/or digital channels.
Qualifications (Minimum)
Grade 12 National Certificate / Vocational
A relevant tertiary qualification in Information Technology
Knowledge
Minimum:
Must have detailed knowledge of:
System architecture (technical design and implementation processes)
Systems analysis and design
UML or equivalent modelling language
Technical Test Plan Design
API design
IT systems development processes
Application development
Standards and governance
Service-oriented Architecture (SOA)
Ideal:
Detailed knowledge of:
Banking systems environment
Banking business model
Agile development life cycle
AWS
Best practices for Quality Assurance (QA)
Object Orientated Development environment (i.e. Java, Spring Framework, JBoss)
Skills
Communications Skills
Interpersonal & Relationship management Skills
Negotiation skills
Influencing Skills
Facilitation Skills
Presentation Skills
Analytical Skills
Problem solving skills
Attention to Detail
Planning, organising and coordination skills
Project Management Skills (Methodolgy Specific)
Competencies
Achieving Personal Work Goals and Objectives
Working with People
Delivering Results and Meeting Customer Expectations
Conditions of Employment
Contactable via own mobile phone
Willingness to work flexible hours (including Saturdays and Public Holidays)
Purpose Statement
To define the technology solution for the Data and Analytics (D&A) environment and ensure that it is designed to meet current and anticipated future technological requirements.
To assist with and oversee the creation of comprehensive technical specifications from business requirements by maintaining a high level of in-depth knowledge with regards to D&A and other relevant Back-End Systems and data sources.
Experience
Minimum:
The systems components making up the entire Business Intelligence system architecture
System design and architecture
Strong analysis, design and implementation
Data warehouse / BI solution performance analysis, tuning and administration
One or more areas of technology
Qualifications (Minimum)
Diploma in Information Technology - Systems Engineering
Grade 12 National Certificate / Vocational
Qualifications (Ideal or Preferred)
Certification in Cloud Computing
Knowledge
Minimum:
Must have detailed knowledge of:
Data Warehouse Development Life Cycle
Dimensional modelling
Financial systems and procedures
UML or equivalent modelling language
Technical Test Plan Design
IT systems development processes
Application development
Standards and governance
Ideal:
Detailed knowledge of:
Banking systems environment
Banking business model
Agile development life cycle
Best practices for Quality Assurance (QA)
Skills
Analytical Skills
Problem solving skills
Attention to Detail
Planning, organising and coordination skills
Communications Skills
Competencies
Delivering Results and Meeting Customer Expectations
Deciding and Initiating Action
Learning and Researching
Adhering to Principles and Values
Persuading and Influencing
Presenting and Communicating Information
Creating and Innovating
Coping with Pressures and Setbacks
Planning and Organising
Analysing
Applying Expertise and Technology
Conditions of Employment
Clear criminal and credit record
A valid driver's license and own vehicle is required
Contactable via own mobile phone
Purpose Statement
Team Leader Data & Analystics. To provide support to the value stream through component or analytics teams; business level interaction with clients to ensure clear understanding of the core business requirements for efficient support and development of appropriate analyses and reports for the business.
To co-ordinate the daily allocation to and progress on specific tasks of a dedicated analytics or delivery team to ensure delivery according to the Capitec recipe and agile way of work, within agreed timeframes.
To manage and support a team through providing clear direction in terms of delivery, providing technical support, aiding in the development of goal plans, and assisting in the setting and achieving of career development goals.
Experience
Minimum:
Over 2 years’ experience in leadership or management role in the technology and/or data environment.
Experience in an analytics role, (Data Engineer, BIBA, BI Analyst) including experience in and understanding of database structure design and data extraction principles
In an environment which required validating work
Stakeholder relationship engagement and management
Responsibility for delivery in a fast moving environment
Functional experience relevant to the value stream or component team area.
Ideal:
Experience gained in a banking/retail/financial services environment.
Agile methodology experience
Experience in a technical; support function
Qualifications (Minimum)
Bachelor's Degree in Data Analysis or Information Technology - Systems Engineering
Qualifications (Ideal or Preferred)
Honours Degree in Data Analysis or Information Technology - Systems Engineering
Knowledge
Minimum:
Systems Development Life Cycle
Analytics problem methodologies
General business/financial systems & procedures
Database design principles
People management practices
Business acumen
SQL
Data modelling
Stakeholder relationship management principles
Ideal:
Understanding of, and exposure to, DevOps and DataOps principles
Capitec Bank environment and products
The particular operational area (value stream / component team) in which the role will operate.
Skills
SQL Skills
Leadership Skills
Decision making skills
Interpersonal & Relationship management Skills
Analytical Skills
Communications Skills
Attention to Detail
Management skills
Planning, organising and coordination skills
Competencies
Deciding and Initiating Action
Leading and Supervising
Working with People
Persuading and Influencing
Presenting and Communicating Information
Analysing
Creating and Innovating
Planning and Organising
Delivering Results and Meeting Customer Expectations
Adapting and Responding to Change
Coping with Pressures and Setbacks
Achieving Personal Work Goals and Objectives
Additional Information
Clear criminal and credit record
Ability and willingness to work in an open plan environment
A valid driver's license and own vehicle is required
Willingness to work or be available overtime and / or weekends if required
Willingness to travel nationally if and when required
Willing and able to use own home as a formal office / base of operations (including space for ad hoc storage of paperwork, stock, etc.)
PURPOSE STATEMENT
To provide cloud security expertise to build out and maintain resilient, scalable, cost effective and high performing Cloud solutions that will assist Capitec to become the best bank in the world.
KNOWLEDGE
Minimum:
Basic understanding of at least one high-level programming language (GoLang / .net / Java)
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. (SDLC, IaC)
Practical, working knowledge of:
Developing and delivering systems on AWS Platforms (Azure or GCP will be advantageous).
Supporting and enhancing build and release processes through automation using a combination of processes and existing tools.
Understanding of Cloud Security technologies and best practices.
Understanding of Networking in Cloud environments.
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.
Understanding of modern software engineering patterns, including those used in highly scalable, distributed, and resilient systems.
Ability to deliver long-term, repeatable IaC solutions that incorporate directly into an overall CI/CD process.
Knowledge of JSON templates, PowerShell, CLI’s, Shell, Python.
EXPERIENCE
Minimum:
5+ years’ experience in Infrastructure, Software Development, DevOps or Security
3+ years design and implementation of highly available, enterprise-scale Cloud infrastructure.
2+ years in AWS with focus on Security
Of introducing cloud security technology (start-up) in an environment – processes, principles etc.
Design and hands on troubleshooting background on AWS Platform (Azure or GCP will be advantageous).
Experience working in a DevOps environment.
Experience developing and supporting infrastructure and cloud security capabilities for micro services-based architectures.
Experience working with CI/CD tools.
Experience with authentication and Authorization technologies and protocols (LDAP, Kerberos, AD, OAuth 2.0, OpenID Connect, SAML).
Experience working with scripting and provisioning tools like Terraform, Ansible, CloudFormation or equivalent.
Ideal:
2+ years in AWS with focus on Networking
Experience in a financial services or banking organisation
Infrastructure security
Experience in engineering data pipelines using Big Data technologies such as Spark, Kafka, Hadoop, Storm, etc.
Experience with ELK, New Relic or similar on Public Cloud Platforms.
Experience with Docker and Kubernetes.
Experience working in a fast paced Agile/Scrum environment (Atlassian Stack).
QUALIFICATIONS
Minimum:
A relevant tertiary qualification
Tertiary technology qualification, esp. Cloud certification AWS specialty, security and/or networking. Terraform Associate.
Ideal:
Bachelor's Degree
Any IT major, B Sc. B Eng.
SKILLS
Communication skills
Computer Literacy (Intermediate MS Word, MS Excel, MS Outlook)
Analytical skills
Problem solving skills
Presentation skills
COMPETENCIES
Deciding and Initiating Action
Relating and Networking
Learning and Researching
Creating and Innovating
Delivering Results and Meeting Customer Expectations
Presenting and Communicating Information
Adapting and Responding to Change
Applying Expertise and Technology
Purpose Statement
Delivering business solutions via a collaborative approach involving mathematical formulae, business tactics, technological applications and behavioural sciences to help senior management make data driven decisions.
Experience
3 years’ relevant experience in statistical analysis
Experience must include the following (within the Credit Risk Management Environment):
Extracting and Aggregating Data from Large Relational Databases
Data Mining and Predictive Modelling
Qualifications (Minimum)
Honours Degree in Data Science or Mathematics
Qualifications (Ideal or Preferred)
Masters Degree in Data Science or Mathematics
Knowledge
Analytics
Predictive Modelling and Machine Learning
Project management methodologies
IT implementation cycle
Credit cycle
Technical understanding and knowledge (different operating systems / databases / programming languages)
General business acumen to identify the impact technical issues may have on design and delivery of solutions.
Best practices and tools in credit risk
Interpretation of user requirements and translation into business requirements specifications
Retail credit environment / industry
Confidentiality and intellectual property implications and constraints
Interpretation of user requirements
Translation of business requirements into business requirement specifications
Skills
Communications Skills
Numerical Reasoning skills
Analytical Skills
Reporting Skills
Computer Literacy (MS Word, MS Excel, MS Outlook)
Attention to Detail
SAS Skills
SQL Skills
R skills
Python skills
Interpersonal & Relationship management Skills
Commercial Thinking Skills
Leadership Skills
Conditions of Employment
Clear criminal and credit record
Capitec is committed to diversity and, where feasible, all appointments will support the achievement of our employment equity goals
Purpose Statement
To execute key accounting functions and provide an accurate financial status of all systems across Capitec.
To perform daily settlement account reconciliations, ensuring that all uploads of journals are done timeously and correctly, ensuring provisioning is done on a monthly basis as well as the daily settlement of 3rd parties.
The System Accountant will also be responsible to analyse, investigate and resolve exceptions raised from the reconciliation process on a daily basis.
The System Accountant will perform Month end tasks and is responsible to report any system errors timeously.
Experience
Minimum:
2 – 3 years reconciliation experience
Ideal:
Experience in a Financial Services environment.
Qualifications (Minimum)
A relevant qualification in Accounting - Financial Accounting or Finance
Qualifications (Ideal or Preferred)
Honours Degree in Accounting - Financial Accounting or Finance
Knowledge
Minimum:
Management of accounts
Computerised accounting systems and principles (SAP)
Financial Analysis and interpretation.
Ideal:
SQL would be an advantage.
Skills
Computer Literacy (MS Word, MS Excel, MS Outlook)
Problem solving skills
Analytical Skills
Attention to Detail
Communications Skills
Numerical Reasoning skills
Competencies
Delivering Results and Meeting Customer Expectations
Working with People
Adhering to Principles and Values
Applying Expertise and Technology
Analysing
Presenting and Communicating Information
Planning and Organising
Coping with Pressures and Setbacks
Conditions of Employment
Clear criminal and credit record
Purpose Statement
To manage a portfolio of clients by providing excellent client service which aims to retain and optimise client value whilst attracting new clients to ensure future client growth.
Experience
Minimum:
1 to 2 years Business Banking experience
Qualifications (Minimum)
Grade 12 National Certificate / Vocational in Grade 12 National Certificate
Qualifications (Ideal or Preferred)
Diploma in Accounting - Financial Accounting or Business Management
Knowledge
Minimum:
Knowledge and understanding of:
Business banking environment including features, benefits and value propositions of products & services
General banking practices and procedures.
Credit principles and practices, including an understanding of credit application, securities and balance sheet requirements. .
The Financial Advisory and Intermediary Services Act (FAIS) and 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:
Capitec Business Bank products and services
Competitor product offerings/ channels/ operational and marketing tactics would be advantageous.
Capitec/Business Bank systems and processes
Skills
Communications Skills
Administration Skills
Planning, organising and coordination skills
Problem solving skills
Interpersonal & Relationship management Skills
Attention to Detail
Competencies
Deciding and Initiating Action
Deciding and Initiating Action_Acting Decisively
Deciding and Initiating Action_Demonstrating Initiative
Deciding and Initiating Action_Making Accurate Judgments and Decisions
Working with People
Working with People_Adapting to Others
Working with People_Assessing and Understanding People
Working with People_Attentive Listening
Working with People_Building and Supporting Teams
Working with People_Demonstrating Appreciation
Working with People_Demonstrating Self-Insight and Awareness
Working with People_Managing from a Distance
Working with People_Resolving Conflict
Working with People_Sharing Information
Working with People_Showing Caring and Understanding
Working with People_Supporting Coworkers
Working with People_Teaching
Relating and Networking
Relating and Networking_Creating and Maintaining Networks
Relating and Networking_Establishing Relationships
Relating and Networking_Interacting with People at Different Levels
Relating and Networking_Managing Political Situations
Persuading and Influencing
Persuading and Influencing_Making Convincing Arguments
Persuading and Influencing_Making a Strong Impression
Persuading and Influencing_Negotiating Agreements
Analysing
Analysing_Critical Thinking
Analysing_Evaluating and Implementing Ideas
Analysing_Reading Effectively
Analysing_Solving Complex Problems
Analysing_Testing and Troubleshooting
Analysing_Thinking Broadly
Analysing_Using Math
Analysing_Working with Financial Information
Planning and Organising
Planning and Organising_Coordinating Project Activities
Planning and Organising_Driving Projects to Completion
Planning and Organising_Managing Resources
Planning and Organising_Prioritising and Organising Work
Delivering Results and Meeting Customer Expectations
Delivering Results and Meeting Customer Expectations_Championing Customer Needs
Delivering Results and Meeting Customer Expectations_Delivering High Quality Work
Delivering Results and Meeting Customer Expectations_Meeting Basic Work Expectations
Delivering Results and Meeting Customer Expectations_Serving Customers
Following Instructions and Procedures
Following Instructions and Procedures_Accepting Direction
Following Instructions and Procedures_Following Policies and Procedures
Following Instructions and Procedures_Managing Meetings
Following Instructions and Procedures_Managing Risk
Following Instructions and Procedures_Managing Time
Following Instructions and Procedures_Working Safely
Adapting and Responding to Change
Adapting and Responding to Change_Acting as a Champion for Change
Adapting and Responding to Change_Adapting to Change
Adapting and Responding to Change_Supporting Change
Adapting and responding to change_Working with Diverse Populations
Adapting and Responding to Change_Working with Ambiguity
Coping with Pressures and Setbacks
Coping with Pressures and Setbacks_Demonstrating Tenacity and Perseverance
Coping with Pressures and Setbacks_Displaying Confidence and Composure
Coping with Pressures and Setbacks_Maintaining Work-Life Balance
Coping with Pressures and Setbacks_Managing Stress
Achieving Personal Work Goals and Objectives
Achieving Personal Work Goals and Objectives_Accepting Responsibility
Achieving Personal Work Goals and Objectives_Driving Continuous Improvement
Achieving Personal Work Goals and Objectives_Driving for Results
Achieving Personal Work Goals and Objectives_Pursuing Self-Development
Conditions of Employment
Clear criminal and credit record
Purpose Statement
To welcome clients and coordinate the branch flow through efficient queue functioning, providing excellent client service by assisting clients at the ATM and to complete transactions on any remote or self service channels.
Experience
Minimum:
No experience required but individual needs to hold a Grade 12 National Certificate
Ideal:
At least 1 year’s client service experience within a retail/ financial/ banking environment
Qualifications (Minimum)
Grade 12 National Certificate / Vocational
Qualifications (Ideal or Preferred)
Knowledge
Basic calculations
Knowledge of Capitec Bank products and business processes (internal)
Skills
Communications Skills
Computer Literacy (MS Word, MS Excel, MS Outlook)
Interpersonal & Relationship management Skills
Problem solving skills
Attention to Detail
Competencies
Adhering to Principles and Values
Relating and Networking
Persuading and Influencing
Presenting and Communicating Information
Delivering Results and Meeting Customer Expectations
Following Instructions and Procedures
Conditions of Employment
Clear criminal and credit record
Must have fingerprints which are detectable/recognisable on Capitec Bank's internal electronic banking system
Capitec is committed to diversity and, where feasible, all appointments will support the achievement of our employment equity goals.
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