Latest Openings at Capitec Bank

About the role:

• The Level III Software Engineer plays an integral part in a cross-functional team dedicated to the full software development lifecycle, from concept to development, deployment, and ultimately operating each product. At this level, Software Engineers are responsible for designing, developing, testing, deploying, maintaining, and enhancing complex software systems and applications, considering scalability, performance, and future requirements. They guide and support developers and stakeholders in scoping, progress, status, and resolution of engineering problems.

Our ideal candidate has:

• Grade 12 National Certificate (Minimum)
• A relevant tertiary qualification in Information Technology (Preferred)  
• 6+ years’ proven experience in back-end software development, project delivery and implementation (in relevant development technologies/language). Experience with back-end frameworks and technologies

Tech Stack

• Java
• Spring boot
• PostgreSQL
• Cloud Technologies (AWS, Azure, GCP)
• Kubernetes

Skills:

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

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About the role:

• As a Machine Learning Engineer at Capitec is pivotal in shaping and executing the bank's AI strategy. By collaborating with Data Scientists and Decision Scientists, you'll enhance their efficiency through the development, implementation, and support of platform improvements. Your contributions will be crucial in positioning Capitec to remain competitive in a rapidly evolving landscape where AI technologies are key strategic differentiators.
• This role leverages your deep understanding of machine learning models, from concept to deployment, and expertise in modern software development best practices, big data processing frameworks, and cloud environments whilst sitting in the credit risk division of the business. You’ll also be working extensively with Python, SQL, and advanced debugging techniques to ensure the delivery of scalable, robust, and production-ready predictive models

Our ideal candidate has:

• 3+ years of experience in any engineering role
• Honors degree or higher in any field
• Python and SQL experience
• PySpark
• Big data frameworks – Hadoop/Kafka
• Github experience or Git

Ideal:

• AWS experience

Competencies:

• Simplify and make it easy
• Earn and extend trust
• Plan, deliver and raise the bar
• Curious and continuously learns
• Act, learn and adapt
• Inspire optimism and persistence
• Have courage, disagree and commit

Education

• Completed an Honors Degree or higher

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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 Required:

• 7+ 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
• 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)
• Confluence experience
• Jira experience  
• Familiar with the Agile environment
• Business process mapping

Education (Minimum)

• A relevant tertiary qualification in Business Analysis

Skills

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

Additional Information

• Clear criminal and credit record

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Purpose Statement

• To support with the day to day running and maintenance of portfolios by providing a central office-bound contact point for customer service queries/ requests, administration assistance and adding value to clients through the identification of cross-selling opportunities, monitoring all loan facilities in the portfolio on a daily basis against set parameters/ conditions. 

Experience
Minimum:

• At least 5 years, of which 1 year should have been spent in the Business Banking environment. 
• Experience in preparing and motivating Credit applications is essential

Qualifications (Minimum)

• Diploma in Commerce or Banking

Qualifications (Ideal or Preferred)

• Bachelor's Degree in Banking or Commerce

Knowledge
Minimum:

• The features, benefits and value propositions of respective company product/service offerings. 
• General banking practices and procedures.
• Understanding of how Business Banking operates, as well as understanding the business risks, industry risks and financial requirements pertaining to the business market 
• Credit principles and practices, including an understanding of credit application, securities and balance sheet requirements. . 
• The Financial Intelligence Centre Act (FICA). 
• Administration processes and procedures pertaining to Business Banking transactions.
• Client relationship management and service principles.

Ideal:

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

Skills

• Communications Skills
• Negotiation skills
• Problem solving skills
• Analytical Skills
• Planning, organising and coordination skills
• Conditions of Employment
• Clear criminal and credit record

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About the role:

• You will ensure the effective drafting and communication of app content that aligns product offerings, reinforces brand consistency, and supports the organisation’s strategic objectives. 

Our ideal candidate has:

• A relevant completed tertiary qualification i.e communications, journalism, marketing 
• 3 Years experience as a UX writer within the financial / Insurance industry
• Experience in Figma
• Proficiency in Microsoft Office Suite and content management systems (e.g. Sharepoint, WordPress)
• Familiarity with corporate tone, brand voice and internal communication protocols  

Knowledge of:

• Social media platforms
• Financial environments
• Corporate environments
• UX Writing techniques and methodologies
• Internal communication and business processes
• Figma

Skills:

• Communications Skills
• Presentation Skills
• Computer Literacy (MS Word, MS Excel, MS Outlook)
• Attention to Detail
• Problem solving skills
• Interpersonal & Relationship management Skills
• Commercial Thinking Skills
• Project Management Skills (Methodolgy Specific)
• Planning, organising and coordination skills

Conditions of Employment:

• Clear criminal and credit record
• A valid driver's license and own vehicle is required
• Contactable via own mobile phone

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What We’re Looking For

• To ensure the timeous and accurate processing of salaries, increase calculations and other remuneration benefits (tax directives, incentive schemes, benefit schemes, team awards, etc.) of Capitec Bank employees. To provide specialist and subject matter expertise on payroll related matters and employee tax submissions (including running of IRP5s and applying for tax directives at SARS).

Key Performance Areas
Processing of payroll functions 

• Payroll planning and data 
• Reconciliation and payment 
• Internal and external query resolution 
• Payroll reporting 

Payroll and tax administration

• Responsible for processing SARS monthly, mid-year and year-end submissions (EMP201s, IRP5s, EMP501s, Return of Earnings – Compensation Fund, and Tax directives) 
• Responsible for ensuring all reports, audits and taxes are completed and compliant with SARS regulations and company policies
• Coordinate the exchange of accurate information during Payroll audits

Best practice and knowledge sharing

• Keep up to date with changes in the payroll land-scape, including changes in relevant legislation (Basic Conditions of Employment Act - BCEA, Employment Equity Act - EEA, etc.) 
• Maintain a working understanding of relevant payroll systems, and stay updated with any enhancements or changes relating to the existing payroll system. 
• Share knowledge, coach and guide Payroll Officers in day-to-day tasks. 

Stakeholder Engagement

• Responsible for educating and training business stakeholders and team members on payroll principles and processes
• Build strong relationships with internal and external stakeholders, fostering collaboration and teamwork. 
• Engage with auditors (internal and external), and ensure the distribution of accurate information.
• Engage with payroll system developer to raise and address technical issues and queries.

Experience

Minimum:

• 5 years’ experience in payroll processing and administration in an enterprise business / banking / financial environment
• 2 – 3 years’ proven experience with tax calculations and SARS

Qualifications (Minimum)

• Bachelor's Degree in Finance or Human Resources

Technical competencies

• Good understanding on the application of PAYE principles 
• Must be able to resolve PAYE queries on payslip 
• Good knowledge and understanding of the Basic Conditions of Employment Act 
• Ability to prove calculations on the payslip 
• SAP and Success Factors payroll software experience 
• Microsoft word, Excel experience 
• Financial acumen and working within financial environment 
• Good knowledge of SARS E@syfile and E-filing 
• SAPA Accreditation will be preferrable 

Conditions of Employment

• Clear criminal and credit record

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About the role

• As a Business Intelligence Analyst You’ll work with large, complex datasets, transforming data into clear,actionable insights that support strategic priorities. This is a hands-on, technical role requiring strong dataskills, and the ability to work independently while driving projects from concept to delivery.

Education (Minimum)

• A relevant tertiary qualification in Business Administration or Statistics

Education (Ideal or Preferred)

• Certification in Business Analysis or Similar

Minimum Experience

• A tertiary qualification in Business Administration or Statistics
• At least 5+ years’ experience in a similar business intelligence analyst role 
• Experience and knowledge of the ETL (extraction, transform, load) data flow
• Experience in identifying, quantifying, and subsequently delivering value on how to solve business challenges using data
• Experience in analysing complex data sets to solve business challenges  
• Experience in working with data on cloud platforms, such as AWS or Microsoft Azure
• Experience in building data visualisations using tools such as Power BI
• A good understanding of database management, data warehousing, data mining and data visualisation.
• Experience with stakeholder engagement  inc. senior management
• Experience in data quality and incident management  

Ideal:

• Probably experience as a business intelligence analyst within the Banking sector 

Additional Information

• Clear criminal and credit record

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Why Join Us

• Work with cutting-edge technologies: Spring Boot, Kafka, Postgres, Unleash, Kubernetes (via Rancher), Terraform, AWS Cloud and many more. Collaborate with some of Capitec’s top engineering talent, including Senior Engineers (SEIIIs), Staff Engineers, and our Head of Engineering.
• Make an impact across both Retail and Business Bank, including high-value initiatives in the Client Domain. Grow your skills in an environment where Operational Excellence (OpEx) is a core value from how we build and monitor systems to how we handle failures and scale.
• Join a team that values ownership, trust, and empowerment — we equip our people to take bold steps and deliver meaningful work
• We believe great engineering makes great banking possible. If you're looking for a place where tech meets purpose and scale meets opportunity, Capitec’s Core Banking Platform team is the place to be.

Our ideal candidate has:

• Grade 12 National Certificate (Minimum)
• A relevant tertiary qualification in Information Technology (Preferred)  
• 5+ years proven experience in software engineering, including design, development, testing, and deployment using modern programming languages and development frameworks.

Tech Stack

• Java (Mandatory)
• Spring boot (Mandatory)
• Cloud computing (AWS preferred) (Mandatory)
• Containerization technologies (E.g. Docker, Kubernetes) (Mandatory)
• Relational Databases (PostgreSQL) (Mandatory)
• Understanding of Linux/Unix (Mandatory)
• Shell scripting (Mandatory)
• GitHub (Mandatory)
• COBOL (Beneficial)
• C / C++ (Beneficial)
• Kafka (Beneficial)
• Monitoring tools (Control M, Redgate, ) (Beneficial)

Skills:

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

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Purpose Statement
Optimise credit performance and minimise risk through: 

• Managing and overseeing a team responsible for developing, implementing and optimising credit intelligence policies / solutions / processes / strategies across more than one workstreams.
• Ensure the quality delivery of advanced statistical insights and application thereof to influence credit decision making.

Experience
Min:

• 6 - 8 years’ experience in retail credit (including advanced analytics, statistical modelling, as well as policy and process enhancement).
• In case of Honours degree: 5 - 7 years’ experience in retail credit analysis (including SQL programming and descriptive analytics). 
• Minimum of 3 years Portfolio specific experience.
• Experience working with / contributing towards credit principles, policies, frameworks.

Ideal: 

• Capitec Bank experience

Qualifications (Minimum)

• Bachelor's Degree in Finance or Statistics

Qualifications (Ideal or Preferred)

• A relevant post-graduate qualification in Finance or Statistics

Skills

• Communications Skills
• Influencing Skills
• Leadership Skills
• Planning, organising and coordination skills
• Presentation Skills
• Project Management Skills (Methodolgy Specific)
• Reporting Skills
• Researching skills

Conditions of Employment

• Clear criminal and credit record

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About the Role

• We are seeking a highly skilled and experienced Senior Business Analyst (Front End) to join our dynamic Capitec Connect team based in Stellenbosch. This role is crucial for enhancing our client experience by championing client needs and sharing technical expertise within our team of Business Analysts in Capitec Connect. The ideal candidate will have a strong background in front-end story mapping, financial services or telecommunications, and possess team leadership skills. 

Our Ideal Candidate

• Minimum of 5 years of experience as a Business Analyst. 
• Proven expertise in front-end story mapping. 
• Experience in financial services or telecommunications. 
• Strong team leadership and management skills. 

Key Responsibilities

• Lead a team of Business Analysts, front-end developers, and UX designers. 
• Oversee the end-to-end client experience for our products. 
• Collaborate with cross-functional teams to ensure seamless delivery of front-end solutions. 
• Provide direction and workflow management within the team. 

Skills

• Analytical Skills
• Communications Skills
• Facilitation Skills
• Problem solving skills
• Negotiation skills

Conditions of Employment

• Clear credit and criminal record