Latest Openings at Capitec Bank

Purpose Statement

• To provide a business centre-based Business Banking sales and service 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 3 years
• Experience of managing a portfolio of business customers with a service and financial analysis focus.
• Experience in preparing and motivating Credit applications 
• Cost control and sales management 

Ideal:

• 1+ yr spent in the Business Banking environment preparing and motivating credit application

Qualifications (Minimum)

• Diploma in Commerce or Finance

Qualifications (Ideal or Preferred)

• FAIS accredited as Key Individual and approved by FSCA

Knowledge
Minimum:

• Customer relationship management (CRM) principles and techniques
• How to interpret financial statements, balance sheets and basic financial ratios
• Standardized business banking transactional products and other core products relevant to small enterprises
• Business banking product offerings
• Understanding of collateral and balance sheets
• Multiple legal entities (companies, close corporations, sole proprietorships, etc.) in the business banking market and the legislative restrictions & requirements governing these from a financial services perspective
• Companies and Intellectual Properties Registration Act (CPIC) for correct documentation/mandate preparation purposes
• Knowledge of competitors offerings
• Regulations, Acts and Codes related to the banking environment.
• Financial Advisory and Intermediary Services Act (FAIS), the Financial Intelligence Centre Act (FICA) 

Ideal:

• Features, benefits and value propositions of the respective company product/service offerings. 
• Current taxation laws as they apply to customers. 
• A good knowledge of administration processes and procedures pertaining to Business Banking transactions

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

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About The Role

• The role includes handling complex implementations such as changing routing architecture, building new data centres, deploying new firewalls, and performing upgrades with significant impact.

Our Ideal Candidate

• At least seven years of networking experience and a minimum of ten years in IT-related roles.
• A CCNP certification is required, with additional certifications from other networking vendors being highly desirable.
• Proficiency in various networking verticals, including data centres, backbone-oriented technology, campus networks, wireless networks, and network security.
• Ability to handle second call standby duties, resolving complex issues that the first call cannot address
• Capable of working independently and managing yourself effectively

Skills

• Excellent people management and leadership skills.
• Strong communication and decision-making skills.
• Ability to plan, organize, and coordinate effectively.
• Strong problem-solving and researching skills.
• Conditions of Employment
• Clear criminal and credit record

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Purpose Statement

• To provide strategic technical direction and manage multiple technical teams responsible for the technical delivery of the full product lifecycle; all product features and support and maintenance related tasks in respect of the product
• Oversee the ongoing drive to increase efficiency, optimisation, innovation and people development in these environments.

Minimum Experience

• At least 5 years’ experience in software development management

Experience of:

• Leading and working in an agile development environment
• Experience in either back-end or front-end development
• Crafting roadmaps
• Managing a budget
• Using technical skills to support and guide a technical team
• To establish priorities and successfully manage deliverables
• Utilizing communication and relationship management skills to engage with stakeholders
• Using leadership to influence in other areas.

Qualifications (Minimum)

• Bachelor's Degree in Commerce or Information Technology - Computer Science

Qualifications (Ideal or Preferred)

• Honours Degree in Commerce or Information Technology - Computer Science

Knowledge
Minimum:

• Functional knowledge particular to the product (e.g. Credit or App)
• People management and development practices and principles
• Stakeholder management
• Budgeting and accounting principles
• Business analysis and design
• Project Management principles and methodologies 

Ideal:

• Banking industry
• Central Collections environment 
• Capitec Bank Systems Environment
• Capitec Bank Business Model
• Agile development principles
• Systems Development Life Cycle (SDLC)

Skills

• Communications Skills
• Decision making skills
• Influencing Skills
• Interpersonal & Relationship management Skills
• Negotiation skills
• Conditions of Employment
• Clear criminal and credit record

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Purpose Statement

• To gather, analyse and understand business users’ data and analytics requirements and translate these requirements into analytics best practice technical solutions that meet the relevant business objectives. 
• To produce comprehensive business requirements specifications from business requirements leveraging domain, technical and data knowledge and coordinating collaboration from relevant stakeholders (e.g. own Product Line, Shared Services and other support teams) in the Capitec Data Estate

Education (Minimum)

• A relevant tertiary qualification in Information Systems

Education (Ideal or Preferred)

• Certification in AWS Data Analytics Speciality or AWS Architecture

Knowledge and Experience
Minimum

Knowledge:

• Data Warehousing on an enterprise level
• Cloud data estates (e.g., AWS and Azure) 
• Cluster computing fundamentals e.g., Big Data 
• Data Governance and Data Management
• Understanding of data protection
• Financial systems and procedures
• SDLC / DevOps
• Conceptual Data modelling 
• Basic data analysis using SQL (PostgresSQL)
• Understanding of the concepts of data visualisation
• Software Testing and Quality Assurance
• Coaching: principles and practice
• Databases and Database design

Ideal:

• Banking systems environment
• Banking business model
• Agile development life cycle
• Databases and Database design
• Quality Assurance (QA)
• Amazon Redshift

Experience

Minimum:

• At least 7 years’ proven experience within information systems, business intelligence or data warehousing environments
• At least 7 years’ proven experience in drafting Business Requirement Specifications/Documents and translating requirements between business and functional stakeholders 
• Experience in Business Analysis using various techniques to describe business needs e.g. conceptual model, ERD, Test Cases, Data Flows, UML models, Data Dictionary, Business processes flows, etc.
• Experience in providing technical coaching to more junior team members as well as leading projects and/or Communities of Practice (COP)
• Able to perform data analysis and determine the impact on broader organisational frameworks and objectives
• Able to identify and classify data exposure risk from the relevant legislation

Ideal:

• Relevant business domain knowledge e.g., credit
• Business Information Business Analysis experience in a finance/banking environment

Skills

• Commercial Thinking Skills
• Facilitation Skills
• Problem solving skills
• Analytical Skills
• Communications Skills
• Additional Information
• Clear criminal and credit record

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Purpose Statement

• To develop strategies and operational processes for Retail Bank for the execution and embedment of compliance risk management processes as required by relevant regulatory requirements, applicable codes of conduct and minimum standards
• To be responsible for and manage compliance within the Retail Bank; to facilitate adherence to legislative requirements as prescribed by Regulation 49 of the Banks Act
• To enhance the compliance culture by developing and maintaining a thorough understanding of the relevant regulatory requirements and the global regulatory environment and best practice principles applicable to the bank ​​​​​​

Experience
Qualifications (Minimum)

• Honours Degree in Law or Commerce

Qualifications (Ideal or Preferred)

• Post Graduate Diploma in Business Management or Risk and Compliance

Knowledge
Minimum:

• Knowledge and experience of implementing and being accountable for compliance frameworks/strategies in a retail banking environment
• Knowledge and experience of implementing and being accountable for Market Conduct and Financial Crime compliance frameworks / strategies across the bank (RB & BB) 
• Solid understanding of compliance regulation best practice and guidance 
• Knowledge and understanding of compliance and operational risk regulatory requirements 
• Knowledge and understanding of risk management methodologies, tools, governance structures and regulatory requirements for good management of risk 
• Understanding of financial services business processes, especially in the retail banking environment.
• Development and implementation of risk management and reporting
• Understanding of the retail banking landscape.

Knowledge of:

• Commercial Law
• Legal practices
• Monitoring techniques
• Auditing processes
• Computer systems (Office – Word, Excel, Powerpoint)

Ideal:

• Legislation regarding all specified compliance monitoring areas (consumer protection, money laundering and terrorist financing, labour legislation or financial and regulatory)
• Banks’ systems
• EXCLAIM software

Skills

• Communications Skills
• Planning, organising and coordination skills
• Analytical Skills
• Reporting Skills
• Computer Literacy (MS Word, MS Excel, MS Outlook)
• Conditions of Employment
• Clear criminal and credit record

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About the role

• 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. 

Minimum Experience

• Formal qualification or Business Analysis diploma
• 5-10 years vehicle and assest finance experience.
• 5+ years working experience as a BA in a wide variety of situations, contexts and complexities. Must be capable in using a variety of techniques and completing business analysis tasks independently.
• Internal: Completion of BA School of Learning Level 4
• 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) 

Ideal: 

• Banking Industry Knowledge

Additional Information

• Clear criminal and credit record

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About The Role/Team

• Join a dynamic and cross-functional team where collaboration is key. You'll be part of a highly capable group that includes Business Intelligence Analysts (BIBAs), Data Engineers, and BI Developers. Our team is responsible for developing robust data solutions using SQL within a Redshift environment, building dimensions and fact tables to enable insightful reporting through Power BI. 
• As a Product Data Engineer, you’ll play a central role in building and maintaining data features, supporting key data structures, and contributing to impactful business decisions. The team values knowledge-sharing, innovation, and continuous improvement. We’re looking to for someone who is passionate about data, driven to solve problems, and eager to grow in a supportive environment.

What You’ll Do

• Develop and maintain features and data assets in the data environment by building robust data tables, facts, and dimensions that support business reporting and analysis. 
• Write and optimise complex SQL queries to transform, model, and structure data in a Redshift environment for efficient use in reporting tools. 
• Design and implement stored procedures to build new tables from scratch and enhance existing structures for long-term scalability and performance. 
• Collaborate with Business Intelligence Analysts (BIBAs) to understand business requirements and translate them into efficient data structures and solutions. 
• Work closely with BI Developers to ensure seamless integration between data infrastructure and Power BI reporting outputs. 
• Participate in the solution design process, providing technical input to ensure data architecture supports both current and future business needs. 
• Contribute to and maintain documentation related to data models, processes, and technical design to support maintainability and knowledge sharing. 
• Ensure high standards of data integrity, governance, and security are maintained across all data assets. 
• Demonstrate ownership and accountability in delivering accurate, reliable, and performant data solutions. 
• Actively participate in code reviews and peer collaboration, fostering a learning-oriented, high-performing team environment. 

What We Are Looking For

• 2 – 4 years of proven experience as Data Engineer or similar role.  
• Solid experience with SQL and relational database systems. 
• Familiarity with ETL/ELT processes and data transformation best practices 
• Understanding of data modelling concepts (e.g. star/snowflake schemas, dimensional modelling).  
• Experience working with large datasets in a structured data warehouse environment. 
• Exposure to data governance, quality assurance, and performance optimization. 
• Experience with cloud platforms (e.g., AWS, Azure, GCP) is ideal.  
• Strong understanding of ETL/ELT processes and data modeling techniques. 
• Familiarity with version control systems (e.g., Git) and CI/CD pipelines. 
• Strong analytical and problem-solving skills with a high attention to detail 
• A proactive, self-motivated attitude and willingness to take initiative 

Education (Minimum)

• A relevant tertiary qualification in Information Technology or Data Analysis  

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Purpose Statement

• To provide a business centre-based Business Banking sales and service 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 3 years
• Experience of managing a portfolio of business customers with a service and financial analysis focus.
• Experience in preparing and motivating Credit applications 
• Cost control and sales management 

Ideal:

• 1+ yr spent in the Business Banking environment preparing and motivating credit application

Qualifications (Minimum)

• Diploma in Commerce or Finance

Qualifications (Ideal or Preferred)

• FAIS accredited as Key Individual and approved by FSCA

Knowledge
Minimum:

• Customer relationship management (CRM) principles and techniques
• How to interpret financial statements, balance sheets and basic financial ratios
• Standardized business banking transactional products and other core products relevant to small enterprises
• Business banking product offerings
• Understanding of collateral and balance sheets
• Multiple legal entities (companies, close corporations, sole proprietorships, etc.) in the business banking market and the legislative restrictions & requirements governing these from a financial services perspective
• Companies and Intellectual Properties Registration Act (CPIC) for correct documentation/mandate preparation purposes
• Knowledge of competitors offerings
• Regulations, Acts and Codes related to the banking environment.
• Financial Advisory and Intermediary Services Act (FAIS), the Financial Intelligence Centre Act (FICA) 

Ideal:

• Features, benefits and value propositions of the respective company product/service offerings. 
• Current taxation laws as they apply to customers. 
• A good knowledge of administration processes and procedures pertaining to Business Banking transactions

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

go to method of application »

About the Role

• We are seeking a talented and experienced UX Designer to join our dynamic team. To assume responsibility for the development, implementation, evaluation and enhancement of world-class user experience design for digital platforms, while conforming to the Capitec brand fundamentals.To enhance user experience through usability studies and contribute towards the translation of feature requirements into interactive and visual designs across platforms.The ideal candidate will have a strong focus on client experience and be able to manage themselves in a high-pressure, yet fun and relaxed environment. 

Our Ideal Candidate

• At least 5 years of experience in UX design.
• Proficiency in Figma and strong prototyping and wireframing skills.
• Background in illustration is a plus.
• Excellent presentation skills and the ability to confidently present work to senior stakeholders.
• Strong interpersonal skills and the ability to work well in a team.
• Experience in app design is preferable, but not a deal-breaker.
• Familiarity with client behavioral studies or similar experience is highly desirable.

Key Responsibilities

• Collaborate with stakeholders to understand project requirements and user needs.
• Conduct user research and testing to inform design decisions.
• Create wireframes, prototypes, and high-fidelity designs using Figma.
• Present design work to EXCO and other stakeholders, owning the presentation of your work.
• Work closely with the front-end team to ensure seamless handover and implementation of designs.
• Maintain a strong focus on client experience throughout the design process.

Minimum Qualification

• Grade 12 certifcation

Skills

• Presentation skills 
• Business writing skills 
• Attention to detail
• Planning and coordination skills 
• Conditions of Employment
• Clear credit and criminal record

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About the role:

• As a Senior Data Scientist at Capitec, your purpose is to drive the Capitec’s AI strategy, with the unique opportunity to shape and own this vision from the ground up. This involves leveraging advanced, practical knowledge of state-of-the-art machine learning principles and techniques, including deep learning, natural language processing (NLP), and reinforcement learning, to develop innovative models and solve complex business challenges. You will be responsible for designing, implementing, and optimising predictive models and intelligent algorithms to uncover actionable insights that drive strategic decision-making across departments.
• The role also includes the full machine learning lifecycle, from data preprocessing and experimental design to production-level model deployment. As a Senior Data Scientist, you will gather requirements and manage stakeholder engagement across the business, including executive-level management. Additionally, you will bring expertise in deep learning frameworks such as TensorFlow and PyTorch, while mentoring junior data scientists to foster a collaborative and growth-oriented team environment.

Our ideal candidate has:

• 6+ years of experience in a Senior Data Science role
• Master’s degree or higher in any of the following field statistics, mathematics, computer science, physics  
• Extensive hands-on experience operating within the client value space, with a focus on deploying and enhancing models such as CLV, NBA, NBO, clustering, and uplift.
• Experience with advanced data science principles including NLP, deep learning, reinforcement learning, or time-series modeling.
• Python/R experience and relation/Non-relational databases.
• Familiarity with modern deep learning frameworks (Pytorch, Tensorflow)
• Stakeholder engagement management up to executive management.
• Github experience or Git

Ideal:

• AWS/Azure/GCP

Competencies:

• Strategic thinking
• Leadership ability
• Problem solving skills
• Decision making skills
• Researching skills
• Project Management skills
• Planning, organising and coordination skills

Education:

• Completed a master’s degree or higher

go to method of application »

Purpose Statement

• To provide a proactive business banking sales and service management function that will retain and grow a portfolio of business clients by identifying and implementing value adding and specialised business banking financial products solutions from a range of standard and/or customized offerings.

Experience
Minimum:

• Banking experience of at least 5 years, of which 3 years should have been spent in the Business Banking environment.
• Experience of managing a complex portfolio of business customers with a service and financial analysis focus.
• Holding responsibility for client relationship management of high value clients with varied and complex needs
• Significant experience in preparing and motivating Credit applications 
• Cost control and sales management 

Qualifications (Minimum)

• A relevant tertiary qualification in Business Management or Finance

Qualifications (Ideal or Preferred)

• Bachelor's Degree in Business Management or Finance

Knowledge
Minimum:

• Principles and practices of business economics and the current business economic environment. 
• Advanced customer relationship management (CRM) principles and techniques, esp.  projecting credibility, gravitas and presence in the context of business (client) stakeholders. 
• Different industry sectors and sector risk profiles/ trends; including an understanding of the impact of external (economic, political, legislative, climatic) conditions on specific industries/ markets in the portfolio 
• Local market (LM) sales principles and practices to manage and optimise retention and growth within the portfolio. 
• General banking practices and procedures. 
• Knowledge of competitor product offerings/ channels/ operational and marketing tactics. 
• Credit principles and practices, including an understanding of credit application, securities 
• Legal entities (companies, close corporations, sole proprietorships etc.) in the commercial market and the legislative restrictions and requirements governing these from a financial services perspective. 
• Financial Advisory and Intermediary Services Act (FAIS) and the Financial Intelligence Centre Act (FICA). 
• Able to extract, analyse and apply CRM insights to influence the client management approach and strategy 
• General understanding of how Business Banking operates, as well as understanding the business risks, industry risks and financial requirements pertaining to the business market

Ideal:

• Features, benefits and value propositions of the respective company product/service offerings. 
• Multi-level products available and pricing structures
• Current taxation laws as they apply to customers. 
• A good knowledge of administration processes and procedures pertaining to Business Banking transactions
• Financial Modelling; activity based costing, financial analysis (evaluating and identifying trends), complex cash flow cycles (industry/ sector specific)

Skills

• Interpersonal & Relationship management Skills
• Computer Literacy (MS Word, MS Excel, MS Outlook)
• Negotiation skills
• Problem solving skills
• Decision making skills
• Commercial Thinking Skills
• Strategic Thinking Skills
• Communications Skills
• Influencing Skills
• Analytical Skills
• Attention to Detail
• Conditions of Employment
• Clear criminal and credit record
• Willingness to work flexible hours (including Saturdays and Public Holidays)

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Purpose Statement

• To initiate, monitor and control suitable legal processes to ensure the optimal realisation of various collateral types held across all product offerings in respect of the relevant non-performing loan portfolio
• To provide specialist inputs relating to Legal Collections towards:
• maximising recoveries and impairment releases 
• minimising recovery costs and impairment raises
• Financial assessment, negotiation and restructure of distressed debt

Experience
Minimum:

• Admitted attorney / advocate 
• At least 2 - 3 years post-admission experience in civil and/or commercial litigation practice

Ideal:

• 3+ years post-admission experience in civil and/or commercial litigation practice, comprising of 2+ years in a Collections and Recoveries space.

Qualifications (Minimum)

• A relevant post graduate degree in Law or Commerce

Qualifications (Ideal or Preferred)

• Masters Degree in Law or Business Administration

Knowledge
Minimum: 

• Up-to-date knowledge of the Collections and Recoveries environment
• Insolvency legislation and processes 
• Credit legislation and processes
• Banking and Financial Services Industry
• Litigation processes
• Debt Recovery processes 
• Collateral variants / types 

Ideal:
Understanding of:

• Commercial, business, and financial principles and practices 
• Governance and risk management principles
• Data analytics
• Banking and Financial Services Industry (ideal)

Skills

• Attention to Detail
• Computer Literacy (MS Word, MS Excel, MS Outlook)
• Decision making skills
• Negotiation skills
• Problem solving skills
• Conditions of Employment
• Clear criminal and credit record