Open Roles at Capitec Bank

About the role:

• As a Senior Machine Learning Engineer at Capitec you will prioritize applying and integrating generative AI models into products and services while leveraging machine learning expertise to enhance the efficiency of Data Scientists and Decision Scientists. Your contributions will be essential in positioning and enhancing user experiences through AI at Capitec, ensuring the company remains competitive in a rapidly evolving landscape.
• This position requires leveraging your extensive understanding of machine learning models, from conception to deployment. You will guide and lead technical teams to uphold ML standards and practices, manage big data processing frameworks, and operate within cloud environments. Additionally, you will be responsible for deploying and fine-tuning generative AI models, as well as integrating these AI models into applications and services using prompt engineering and model optimization techniques.

Our ideal candidate has:

• 6+ years of experience in a Machine Learning engineering role
• Using AI frameworks such as TensorFlow and PyTorch to deploy and fine-tune generative AI models (GPT and DALL-E).
• Hands on experience integrating AI Models into applications and services
• Python and SQL experience
• PySpark
• Big data frameworks – Hadoop/Kafka
• Github experience or Git

Ideal:

• AWS experience
• Prompt Engineering and model optimisation

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

• We are looking for a highly skilled and experienced Manager: Networks to join our dynamic team. In this role, you will be responsible for interpreting the infrastructure business plan and managing a team to deliver on objectives and goals. You will embed technical processes, practices, and standards while maintaining our products and services. 

Our Ideal Candidate

• Minimum of 5 years leading and managing people/teams.
• At least 10 years of ICT work experience.
• In-depth experience in design and implementation.
• Practical experience in network management is crucial, with Cisco certifications (e.g., CCNP, CCIE) being advantageous but not mandatory.
• Strong knowledge of networking technologies such as TCP/IP, MPLS, BGP, OSPF, VLAN configurations, router and switch configurations, network redundancy, high-availability design, load balancing, Quality of Service, firewall topologies, IPsec and SSL VPNs, SD-WAN.
• Experience in managing budgets, even if it's a smaller budget, as the role involves handling significant financial responsibilities

Minimum Education

• Grade 12 National Certificate/Vocational

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.

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Purpose Statement

• To solve business problems, create new products and services and improve processes through using the disciplines of data science, quantitative (financial) analysis, and traditional scoring techniques, translating active business data into usable strategic information.
• To look at ways of analysing and optimising data as it relates to a specific business area; framing data analysis in terms of the decision-making process for questions or business problems posed by a stakeholder. 
• To help build and deliver Capitec's AI strategy, enabling data-led and improved business decision making. Design quantitative advanced analytics models that answer business questions and/or discover opportunities for improvement, increased revenue, or reduced costs.

Education (Minimum)

• Honours Degree in Mathematics or Statistics

Education (Ideal or Preferred)

• Masters Degree in Mathematics or Statistics

Knowledge and Experience

Minimum Knowledge and Experience:
Experience:

• Length of experience required is conditional on the qualifications obtained 
• Experience in statistical (predictive and classification) model development and deployment incl. 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.)
• General business know-how: e.g. risk, compliance, operations e.g. NCR, POPIA, SARB
• Business analysis and requirements gathering
• Working in cloud environments e.g. Azure, AWS and large relational databases 
• Experience in at least one ML language (e.g. Python or SAS Viya) 
• Functional business area (e.g. Credit) environment knowledge and experience

Knowledge:

• Understanding of state of the art statistical (predictive and classification) model development and deployment principles and techniques incl. 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.).
• Underlying theory and application of machine learning models; able to understand underlying principles and theory. 
• Best practices for decision science such as reusability, reproducibility, continuous monitoring, etc

Ideal Knowledge and Experience:

• Financial sector experience
• Working with multiple teams to deliver predictive models into a production environment
• Capitec Decision Science lifecycle 

Skills

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

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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 the delivery within the area of responsibility aligns with the objectives, plans, processes and standards of Decision Science 

Experience

Minimum:

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

Qualifications (Minimum)

• Honours Degree in Mathematics or Statistics

Qualifications (Ideal or Preferred)

• Masters Degree in Mathematics or Statistics

Knowledge

Minimum:

• Advanced analytics
• People management practices and principles
• Business acumen to identify the impact technical issues may have on design and delivery of solutions. 
• Analytics
• Predictive modelling and machine learning
• Project management methodologies
• IT implementation cycle
• Credit cycle
• Technical understanding and knowledge 
• Interpretation of user requirements and translation into business requirements specifications
• Retail credit environment / industry

Ideal:

• Capitec Bank experience
• Retail credit environment / industry

Skills

• Analytical Skills
• Communications Skills
• Decision making skills
• Interpersonal & Relationship management Skills
• Planning, organising and coordination skills

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Purpose Statement

• Perform and/or supervise staff on IT Audits including IT General and Application control reviews

Experience

Min:

• Minimum 5 years in an Internal Auditing environment with emphasis on a complex multi-platform IT environment, with specific experience in:
• General controls, application controls review
• Using or developing computer assisted auditing techniques (CAATs)
• Defining of control objectives to support business processes and the assessment of both system and manual controls which exist or are needed to meet the control objectives
• Practical experience using Cobit

Ideal:

• At least 1 years’ experience in IT or Information security
• Planning and managing audit engagement
• Project management processes, methodologies, tools, controls and risks

Qualifications (Minimum)

• A relevant qualification in Internal Auditing or Information Technology

Qualifications (Ideal or Preferred)

• A relevant post graduate degree in Internal Auditing or Commerce
• Certification in Information Systems Auditing (CISA) or Risk and Information Systems Control (CRISC)

Knowledge

Min:
Knowledge of:

• The internal audit and information systems audit process and standards
• IT systems and data analysis/computer assisted audit techniques and tools (CAATS),
• Frameworks (e.g. Cobit, ITIL, etc.)
• System Development Lifecycle (SDLC) and project management
• Risk management principles and practices

Ideal:
Knowledge of:

• Teammate audit software
• Agile project methodology
• SAP
• Information Security
• Cyber Security

Skills

• Communications Skills
• Computer Literacy (MS Word, MS Excel, MS Outlook)
• Analytical Skills
• Problem solving skills
• Decision making skills

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About the role:

• We have an exciting opportunity for a skilled Front-end Software Engineer with a robust background in modern development practices. You will play 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. 
• As a Front-end Software Engineer, you will be responsible for translating design mockups into interactive and user-friendly interfaces, focusing on intuitive user experiences web applications. The role is within the web team, who are responsible for all Capitec web properties and more specifically our corporate website. 

Our ideal candidate has:

• Grade 12 National Certificate (Minimum) 
• A relevant tertiary qualification in Information Technology (preferred)  
• 5+ 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. 
• Strong attention to detail, capable of translating designs from UX into functional web components accurately. 
• Experience with consuming and integrating APIs 

Tech stack:

• HTML  
• CSS 
• JavaScript  
• Typescript 
• React.JS 
• Vue.Js 

Skills:

• Analytical Skills 
• Attention to Detail 
• Communications Skills 
• Computer Literacy (MS Word, MS Excel, MS Outlook) 
• Problem solving skills 

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Purpose Statement

• Design and implement end-to-end solutions for card management and transaction switching systems.
• Collaborate with business and IT stakeholders to define system requirements and business goals.
• Ensure solutions are scalable, secure, and compliant with industry standards.
• Lead and mentor a team of developers and engineers.

Our ideal candidates

• At least 7 years’ experience in systems architecture / design 
• 5 - 10 years’ experience working proven knowledge of and experience with Card Management Systems
• 3-5 year’s enterprise architecture frameworks and business process modelling.
• Strong understanding of network architecture and security protocols.
• Experience in cloud computing environments, such as AWS, Azure, or Google Cloud Platform.
• Knowledge of continuous integration/continuous deployment (CI/CD) and DevOps practice
• Linux Server
• Card Management/Transaction Switching Systems
• SQL Server/Postgres/Oracle
• C#/Java
• Familiar with containerization technologies
• A thorough understanding of PCI DSS and ISO8583

Minimum Education

• Grade 12 National Certificate/Vocational

Ideal Education:

• A relevant tertiary qualification in Information Management

Minimum Knowledge

• System architecture (technical design and implementation processes)
• Systems analysis and design
• UML or equivalent modelling language
• Technical Test Plan Design
• IT systems development processes
• Application development
• Standards and governance

Skills

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

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What You'll Do:

• Engage in the full software development lifecycle, from concept and development to deployment and operation. You'll design, develop, test, deploy, maintain, and enhance software systems and applications, all while adhering to our high standards. You'll translate requirements from business or technical analysts and actively participate with the delivery team in design and problem-solving.
• As a Back-end Software Engineer, you'll play a crucial role in building solutions that offer optimum performance, reliability, and scale. You'll be responsible for writing and testing code for the development of the server-side components that power our application's functionality.

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 back-end software development, project delivery and implementation (in relevant development technologies/language). Experience with back-end frameworks and technologies

Knowledge: 

• Is able to apply advanced knowledge of the following:
• IT systems development processes (SDLC)
• Application development
• Advanced programming concepts
• Advanced algorithms and data structures
• Design Patterns
• Version Control
• Testing practices
• Database systems and query optimization (e.g., SQL, NoSQL).
• RESTful API design and integration.
• Cloud computing platforms and services (e.g., AWS, Azure).
• Advanced Microservice and event driven architectures
• Deployment using kubernetes and containerisation

Skills

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

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About The Role

• Through analysis, aim to identify anomalies, and provide actionable recommendations that mitigate risk, reduce financial losses, and protect both customers and stakeholders from the impact of fraudulent behaviour.
• Extracting, analysing, and linking of data from multiple sources and systems to detect fraud trends that will influence strategy and the writing of expert fraud rules. Implementing and operationalizing fraud mitigation and analysing the effectiveness thereof through dashboards and metrics.

Our Ideal Candidate

• 3 to 5 years of relevant experience in data analytics
• 1 to 2 years of relevant experience in fraud detection
• Strong data analysis skills.
• Ability to identify anomalies and patterns.
• Experience in fraud detection.
• Proficiency in SQL querying and database extraction.
• Basic understanding of machine learning algorithms (supervised and unsupervised learning).
• Data visualization skills, preferably in Power BI.
• Python proficiency is not a strict requirement but would be a nice-to-have.

Minimum Education

• Grade 12 National Certificate/Vocational
• A relevant tertiary qualification in Information Technology, Computer Science, or Statistics

Skills

• Attention to Detail
• Numerical Reasoning skills
• Communications Skills
• Planning, organizing and coordination skills
• Problem solving skills