New Openings at Capitec Bank

Purpose Statement

• The level II Software Engineer plays an integral part in a cross-functional team dedicated to the full software development lifecycle, from concept, to development to deployment and ultimately operating of each product. At this level, Software Engineers are responsible to design, develop, test, deploy, maintain and enhance software systems and applications based on specifications, while adhering to established standards. They translate requirements from the business or technical analyst and actively participate with the delivery team in design and problem-solving.
• The Front-end Software Engineer plays a crucial role in building solutions that create great client experiences for mobile and web applications. They are responsible for translating design mockups into interactive and user-friendly interfaces, with a focus on intuitive user experiences.

Education (Minimum)

• Grade 12 National Certificate / Vocational

Education (Ideal or Preferred)

• A relevant tertiary qualification in Information Technology

Knowledge and Experience
Experience:

• 3+ years’ proven experience in front-end software development, project delivery and implementation (in relevant development technologies/language)
• Experience with modern front-end frameworks and technologies.

Knowledge: 

• IT systems development processes (SDLC)
• Application development
• Advanced programming concepts
•  Responsive design principles and mobile-first development.
•  Browser compatibility issues and performance optimisation.
•  Front-end build tools and package managers 
• Front-end Design Patterns
• Version Control
• Testing practices

Skills

• Analytical Skills
• Attention to Detail
• Communications Skills
• Interpersonal & Relationship management Skills
• Problem solving skills
• Additional Information
• Clear criminal and credit record

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About the role:

• Level II Full Stack Software Engineer: The Level II Full Stack Software Engineer is an essential member of a dynamic, cross-functional team, contributing to every phase of the software development lifecycle—from concept and development to deployment and operation. At this level, engineers are responsible for designing, developing, testing, deploying, maintaining, and enhancing software systems and applications according to specifications, while adhering to established standards. They translate requirements from business or technical analysts and actively collaborate with the delivery team in design and problem-solving.
• This role is integral to Capitec’s Live Better rewards program, managing the rewards system that calculates benefits based on clients' transaction spend. The system determines benefits according to the type of transactions performed by clients over a specific period, ensuring a rewarding experience for Capitec’s client

Our ideal candidate has:

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

Tech Stack

• HTML
• CSS
• JavaScript
• React.JS
• Java
• SpringBoot
• Node.Js
• AWS

Skills:

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

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Our Ideal Candidate

• At least three years of experience working with Salesforce
• Proficiency in both front-end (LWC) and back-end (APEX) development on the Salesforce platform.
• Salesforce certifications, such as Salesforce Administrator, are beneficial but not mandatory.
• Collaborate with team members to understand project requirements and deliver solutions.
• Ensure the quality and performance of Salesforce applications.
• Participate in the full software development lifecycle, including testing and deployment.

Conditions of Employment

• Clear credit and criminal record

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About The Role

• We are seeking a highly skilled and experienced professional to join our team in a pivotal role that combines technical expertise with strong business acumen. The ideal candidate will have extensive experience in customer onboarding processes and the ability to decompose complex business problems into implementable solutions. A deep understanding of event-driven architectures and domain-driven design is essential, along with the capability to be hands-on with code and lead technical conversations. This role also requires significant leadership skills, as the candidate will be expected to support multiple teams and portfolios, demonstrating versatility and the ability to context switch effectively.

Our Ideal Candidate

• Proficiency in Architecture Frameworks
• Cloud Architecture Expertise
• Deep hands-on experience with cloud platforms (e.g., AWS, Azure, GCP).-AWS Bias
• Microservices and API Design
• Strong experience designing and integrating microservices-based architectures.
• Proficiency in RESTful APIs, GraphQL, and gRPC, along with service discovery, API gateways, and inter-service communication patterns.
• Software Development Lifecycle (SDLC) & Tooling
• Proficiency in modern software development methodologies (e.g., Agile, DevOps, CI/CD)
• Security & Compliance
• Working knowledge of security principles, authentication/authorization mechanisms (e.g., OAuth2, OpenID Connect, mTLS).
• Domain-Driven Design (DDD)
• Event-Driven Architecture
• Strong experience in event-driven systems, including event sourcing, CQRS, publish-subscribe, and stream processing ( Kafka)
• Integration Patterns

Skills

• Presentation Skills
• Interpersonal & Relationship management Skills
• Commercial Thinking Skills
• Problem solving skills
•  Leadership skills
• Strategic Thinking Skills

Conditions of Employment

• Clear credit and criminal record
• Own reliable transport and valid driver’s license
• Own mobile phone

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Purpose Statement

• Drive the effective implementation of policies, frameworks, and standards across Business Bank Credit. Conduct quality assurance reviews and implement an effective assurance plan for Business Bank Credit on an annual basis.

Experience

• Minimum of 7 years of experience in credit risk management, policy development, or assurance functions within the banking or financial services industry.
•  3+ yrs experience in leading teams and managing cross-functional projects

Qualifications (Minimum)

• Grade 12 National Certificate / Vocational

Qualifications (Ideal or Preferred)

• Bachelor's Degree in Finance or Commerce

Knowledge

• Strong understanding of credit risk frameworks, regulatory requirements, and best practices.
• Quality Assurance technologies and tools
• Relevant regulatory requirements and legislation 
• Credit risk principles and management
• Business and banking general know how
• Auditing practices and principles

Skills

• Analytical Skills
• Attention to Detail
• Communications Skills
• Interpersonal & Relationship management Skills
• Planning, organising and coordination skills

Conditions of Employment

• Clear criminal and credit record

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What you will be doing

• You will lead the end-to-end design and delivery of payment gateway capabilities tailored for device-based transactions. Your role will ensure full compliance with PCI DSS standards, safeguarding cardholder data through secure architecture and practices. You’ll manage switching logic and oversee seamless integrations with multiple platforms and acquirers. Additionally, you will guide EMV certification processes and optimize device-level transaction flows to support secure, efficient, and scalable payment experiences.

About the Role

• As the Software Development Manager - POS Payment Systems, within our Digital Merchant Commerce team, you will lead the development of our payment gateway and device integration platform. This role is central to enabling secure, real-time transactions across in-store channels. You’ll manage a team of skilled engineers focused on building scalable, high-performance systems that support device-based payments. 

Minimum Experience

• At least 5 years’ in software engineering leadership, preferably in fintech or payments.
• Deep understanding of PCI, EMV, and payment switching.
• Experience with SDK development for Android-based card machines
• Strong stakeholder engagement and mentoring capabilities.

Experience of:

• Leading and working in an agile development environment
• 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 Lead a Decision Science team, prioritising and overseeing analysis to translate active business data into usable strategic information which informs the business regarding critical and measurable Credit and risk indicators.
• To ensure that the delivery within the area of responsibility aligns with the objectives, plans, processes, and standards of Decision Science.

Qualifications (Minimum)

• Honours Degree in Mathematics or Statistics
• Grade 12 National Certificate / Vocational

Qualifications (Ideal or Preferred)

• Masters Degree in Mathematics or Statistics

Experience and Knowledge
Minimum Experience:

• Over 6 years’ proven work experience in an analytical science role (of which, at least 3 years' experience in a Leadership or Management role requiring validating work)
• Extracting and aggregating data from large relational databases
• Data mining and predictive modelling
• Programming (SAS, SQL, R, Python)
• Stakeholder relationship engagement and management
• Responsibility for delivery in a fast-moving environment
• Developing scorecards from scratch

Minimum Knowledge:

• Advanced analytics
• Interpretation of user requirements and translation into business requirements specifications (business analysis requirements gathering)
• Business acumen to identify the impact technical issues may have on design and delivery of solutions
• People management practices and principles
• Project management methodologies
• IT implementation cycle
• Best practices for Decision Science (such as reusability, reproducibility, continuous monitoring, etc.)
• Deep technical understanding of state of the art statistical (predictive and classification) model development and deployment principles and techniques including traditional Scoring (logistic regression with binning and missing value replacement (e.g., reject inference), Machine Learning (neural networks, SVM, random forests, etc.), and Quantitative Analysis (time value of money, etc.) - and able teach to a broad technical audience
• Underlying theory / principles and application of Machine Learning models / language

Ideal Experience and Knowledge:

• Banking / Financial sector
• Retail credit environment / industry (Credit cycle)

Skills

• Planning, organising and coordination skills
• Numerical Reasoning skills
• Attention to Detail
• Researching skills
• Analytical Skills
• Problem solving skills
• Decision making skills
• Presentation Skills
• Communications Skills
• Interpersonal & Relationship management Skills
• Leadership Skills

Conditions of Employment

• Clear criminal and credit record

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About The Role

• The Business Analyst role is a critical position within the purpose lending space of the organization, responsible for gathering, analyzing, and documenting business requirements to support the delivery of new products and enhancements. The individual in this role will work closely with business stakeholders to understand their needs, translate them into detailed requirement specifications, and collaborate with developers, testers, and other team members to ensure accurate implementation. Additionally, the Business Analyst will manage the entire Software Development Life Cycle (SDLC) within the delivery component, review test plans, validate test results, and ensure timely and effective project delivery. 

Our Ideal Candidate

• Preferably a minimum of three years of experience in business analysis, with a strong emphasis on analytical skills and independent problem-solving.
• Experience in finance or credit is highly preferred, though not strictly required if the candidate has strong analytical skills and can adapt quickly. 
• A diploma or certificate in business analysis is preferred
• Strong communication skills to effectively gather and verify requirements from stakeholders. 
• Strong analytical skills to create comprehensive requirement specifications and ensure thorough testing and validation.

Minimum Knowledge

• Familiarity with the Software Development Life Cycle (SDLC) and the ability to manage the entire lifecycle within the delivery component.
• Work with business stakeholders to understand and document their needs, translating them into detailed requirement specifications. 
• Conduct thorough analysis to identify all necessary details, impacts, and grey areas, ensuring comprehensive documentation. 
• Collaborate with developers, testers, and other team members to ensure requirements are understood and implemented correctly. 
• Review test plans and validate test results to ensure they meet the documented requirements.

Minimum Qualification

• A grade 12 certification  
• Certification in Business Analysis

Skills

• Analytical Skills
• Communications Skills
• Computer Literacy (MS Word, MS Excel, MS Outlook)
• Interpersonal & Relationship management Skills
• Problem solving skills

Conditions of Employment

• Clear credit and criminal record

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About the role:

• The Level III Software Engineer is a key member of a cross-functional team, responsible for the entire software development lifecycle from concept to operation. They design, develop, test, deploy, maintain, and enhance complex software systems, ensuring scalability, performance, and future requirements. Additionally, they guide and support developers and stakeholders in resolving engineering problems.
• The Full Stack Software Engineer develops and maintains both front-end and back-end components of web applications, working on all layers of the application stack. They build solutions that offer optimal performance, reliability, and scale, while creating great client experiences.
• This role also involves managing integrations from Salesforce to external systems via Spring Cloud Gateway and overseeing automation testing, requiring Salesforce knowledge.

Our ideal candidate has:

• Grade 12 National Certificate (Minimum)
• A relevant tertiary qualification in Information Technology (Preferred) 
• 6+ years’ proven experience in Full stack software development, project delivery and implementation (in relevant development technologies/language).
• Salesforce Knowledge
• CRM integration Knowledge 

Tech Stack

• Java (Mandatory)
• Springboot (Mandatory)
• AWS (Mandatory)
• PostgresSQL 
• Azure(Advantageous)

Skills

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

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Purpose Statement

• To execute projects and tasks which assist Capitec Bank in complying with its regulatory obligations, without unnecessarily restricting its business objectives, by providing relevant and effective advice to the business and ensuring regulatory risks are effectively managed. 
• To assist the bank in meeting its regulatory obligations in relation to compliance and ensure that business processes are performed within the relevant statutory requirements.

Experience
Minimum:

• 3 years’ financial services compliance /legal advising 
• Stakeholder management at all levels and up to Exco
• Holding responsibility for oversight of all regulations and Acts relating to financial services generally.
• Working as part of a multi-disciplinary team (IT, Business etc.)
• Proven experience in stakeholder management and influence.

Ideal:

• Holding responsibility for oversight of all regulations and Acts relating to a specific portfolio within financial services such as insurance, credit.
• Experience of Capitec Bank products and services

Qualifications (Minimum)

• Bachelor's Degree in Law or Accounting - Management Accounting

Qualifications (Ideal or Preferred)

• Honours Degree in Law or Accounting - Management Accounting

Knowledge
Minimum:

• SA Financial Services legislation, including (but not limited to):
• National Payment Systems Act 
• Banks Act
• Financial Sector Regulation Act (FSRA)
• Financial Intelligence Centre Act (FICA)
• Protection of Personal Information Act (POPIA)
• NCA
• ECT Act
• Consumer Protection Act
• Business analysis and design
• Financial systems and procedures

Ideal:

• The regulatory environment (i.e. FIC, SARB) related to the specialist environment operating in
• Banking industry 
• Payment systems
• Working knowledge of Capitec Bank’s:
• Operational structure
• Banking products
• Banking systems & processes

Skills

• Communications Skills
• Interpersonal & Relationship management Skills
• Computer Literacy (MS Word, MS Excel, MS Outlook)
• Influencing Skills
• Reporting Skills
• Conditions of Employment
• Clear criminal and credit record

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Introduction

• We are looking for a Finance Actuary to join the Insurance team at Capitec, a diversified financial services group. The Insurance team’s objective is to provide our clients with insurance solutions that are easy to understand, affordable, accessible and to have an easy and transparent claims process. As a Finance Actuary, you will be responsible for valuation, financial reporting, and management reporting duties for Capitec Insurance.

About the Role
The purpose of this role is to enhance the financial performance of Capitec Insurance through:

• Participating in periodic (monthly, quarterly, bi-annual and annual) insurance contract liability and profit calculations on an IFRS 17 (International Financial Reporting Standards) basis.
• Participating in the forecasted IFRS 17 profit calculations for the annual budget and monthly re-forecasting.
• Support in the calculation of solvency requirements as specified in the Financial Soundness Standard for Insurers (previously SAM).
• Assist in the completion of the quantitative reporting templates for statutory reporting of solvency.
• Assistance in developing and maintaining the processes and controls used for actuarial valuation and financial reporting activities.

Our Ideal Candidate

• Academically qualified actuary or Newly qualified actuary: All exams completed.
• 3+ years’ actuarial experience in the life insurance industry including valuation, reporting and or capital management.
• Honours Degree in Actuarial Science
• Experience with working in a team with multiple deliverables.
• Experience with IFRS17.
• Experience with Prophet or other actuarial modelling software.
• Experience with working with data visualisation technologies (Power BI, etc.)