Openings at Capitec Bank

Purpose Statement

• The role will be based in the Credit Client Account Management team, which oversees existing credit clients and focuses on a wide spectrum of areas across the credit life cycle. Client-first is a tangible experience in this role, and you will be involved with key strategies and client experience initiatives ensuring that clients receive the support they need to manage their credit effectively. 

Assume end-to-end responsibility for a credit intelligence workstream through: 

• Leading and guiding the delivery of complex analytical output. 
• Leading the identification, development, implementation and maintenance of new credit intelligence strategies and solutions
• Address business problems relative to credit intelligence workstream. 
• Building and maintaining new statistical models to inform credit intelligence decision making.  
• Providing guidance and technical oversight to junior team members

Experience
Minimum:

• 4 - 6 years’ experience in retail credit analysis (including programming in SQL / SAS / R / Python, descriptive and diagnostic analytics, statistical modelling, and data visualisation).
• In case of Honours degree: 3 - 5 years’ experience in retail credit analysis (including SQL programming and descriptive analytics).  
• Credit intelligence performance and optimisation.

Ideal: 

• Experience in assuming a leadership role during a project.
• Portfolio specific experience
• Capitec Bank experience

Qualifications (Minimum)

• Bachelor's Degree in Finance or Statistics

Qualifications (Ideal or Preferred)

• A relevant post graduate degree in Finance or Statistics

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Purpose Statement

• To minimise the risk of loss through bad debts, and maximise profits for the business through effective execution of credit application, evaluation and approval processes, and ensuring the quality of credit risks across the portfolio is maintained. 
• To interact with other areas of the bank and acting as a catalyst in ensuring compliance with agreed risk parameters as set out in the Bank’s strategy.

Experience
Minimum: 

• At least 5 years Credit Management experience across Personal and Business markets 
• Current Person-to-holder Credit Mandate 

Ideal: 

• At least 5 years Credit Management experience across Personal and Business markets 
• Experience in Intuitive Credit Granting

Qualifications (Minimum)

• Bachelor's Degree in Credit Management or Banking

Qualifications (Ideal or Preferred)

• Honours Degree in Credit Management or Banking

Knowledge
Minimum: 

• Business knowledge
• Risk Management 
• Understanding of Project Management methodologies and processes, 
• People Management 
• Financial Management
• In-depth understanding of the NCA

Ideal: 

• Knowledge of Intuitive Credit Granting

Skills

• Commercial Thinking Skills
• Computer Literacy (MS Word, MS Excel, MS Outlook)
• Analytical Skills
• Problem solving skills
• Decision making skills
• Attention to Detail
• Numerical Reasoning skills
• Conditions of Employment
• Clear criminal and credit record

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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. 
• The Back-end Software Engineer plays a crucial role in building solutions that offer optimum performance, reliability, and scale. They are responsible for writing and testing code for the development of the server-side components that power the application's functionality. These engineers will be responsible for developing applications and supporting various systems, particularly focusing on building and operationalizing the back end to support systems related to cell phones, live data, and other products outside traditional banking. The emphasis is on database skills due to the data capabilities we are developing.

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 (Non-Negotiable) 
• Kafka (Non-Negotiable) 
• AWS (Non-Negotiable) 

Skills:

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

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Purpose Statement

• To evaluate and manage the intuitive credit and associated risks within an allocated portfolio in a geographic region; effectively integrating and controlling the credit function by maintaining the quality of credit risks across the portfolio, minimizing the risk of loss through bad debts, while maximizing profits.
• To interact with other areas of the bank, acting as a catalyst in driving changed initiatives in ensuring compliance within agreed risk parameters as set out in the changed strategy.

Experience
Minimum:

• At least 8 -10 years banking experience, 5 of which in credit
• Credit Management experience across business and commercial markets in the intuitive space as well as the scored lending environment
• Working within the requirements of the National Credit Act and other relevant legislation
• Significant experience in preparing and motivating Credit applications 

Ideal:

• Experience of managing a portfolio of business customers with a service and financial analysis focus.

Qualifications (Minimum)

• Bachelor's Degree in Commerce or Credit Management

Qualifications (Ideal or Preferred)

• Honours Degree in Commerce or Credit Management

Knowledge
Minimum:

• Business acumen
• Risk management principles and processes
• Project management methods and practices
• Relationship building and management techniques 
• Financial management
• Customer relationship management (CRM) principles and techniques
• 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 

Ideal:

• Products available and pricing structures
• Current taxation laws as they apply to clients 
• A good knowledge of administration processes and procedures pertaining to Business Banking transactions
• Financial Modelling; financial analysis (evaluating and identifying trends), complex cash flow cycles (industry/ sector specific)

Skills

• Analytical Skills
• Attention to Detail
• Communications Skills
• Computer Literacy (MS Word, MS Excel, MS Outlook)
• Interpersonal & Relationship management Skills
• Negotiation skills
• Numerical Reasoning skills
• Planning, organising and coordination skills
• Problem solving skills
• Conditions of Employment
• Clear criminal and credit record

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About the Role

• We are looking for a skilled Test Analyst to join Open Banking team. The ideal candidate will have a strong understanding of API testing methodologies, tools, and best practices. You will be responsible for validating RESTful and/or SOAP APIs, ensuring performance, reliability, and scalability across our platform.

Our Ideal Candidate

• 2+ years of experience in API testing or software QA.
• Strong knowledge of RESTful and/or SOAP APIs.
• Proficiency in tools like Postman, Swagger, SoapUI, or equivalent.
• Experience with automated testing frameworks would be an advantage.
• Familiarity with JSON, XML, HTTP methods, status codes, and authentication methods (OAuth, API Keys, JWT).
• Good understanding of software development lifecycle (SDLC) and QA methodologies.

Minimum Knowledge

• Design, develop, and execute automated and manual tests for APIs.
• Validate REST/SOAP API requests and responses, including status codes, headers, payloads, and error messages.
• Work closely with developers and product managers to understand API requirements and use cases.
• Use tools like Postman, Swagger, SoapUI, or similar to test and document APIs.
• Write and maintain test cases, test plans, and test scripts.
• Ensure APIs meet performance, security, and compliance standards.
• Identify, document, and track bugs and inconsistencies in bug tracking tools (e.g., JIRA).
• Participate in sprint planning, stand-ups, and other Agile ceremonies.

Skills

• Strong analytical and problem-solving skills.
• Excellent communication and collaboration abilities.
• Attention to detail and ability to work independently.
• Passion for quality and continuous improvement.
• Conditions of Employment
• Clear credit and criminal record

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What you’ll do:

• As PR Manager, you’ll be at the forefront of Capitec’s bold brand journey — shaping stories that matter, building public trust, and positioning the bank as a purpose-led voice in the media.

You will:

• Develop and lead an integrated PR strategy that supports business and brand goals.
• Craft compelling narratives that resonate with media, customers, and the broader public.
• Drive earned media coverage across national, regional, and digital platforms.
• Lead proactive and reactive media engagement, ensuring consistent, on-brand messaging.
• Partner with internal teams and agency collaborators to amplify key campaigns and announcements.
• Provide strategic counsel during reputational or crisis moments.
• Identify and manage thought leadership opportunities to elevate Capitec’s voice in financial and broader conversations.
• Measure and report on media performance and sentiment, constantly optimising for impact.

What You’ll Bring:

• 8–10 years of PR experience, with a strong focus on media relations, crisis communication, and proactive storytelling.
• A proven track record in leading and mentoring teams, managing both day-to-day comms and high-pressure situations.
• Excellent written and verbal communication skills — clear, confident, and strategic.
• The ability to craft compelling narratives, manage media queries, and build lasting relationships with journalists.
• Experience navigating complex, high-stakes environments, particularly in industries like finance, telco, or tech.
• Hands-on expertise in crisis and issues management, including crafting responses, coordinating across stakeholders, and protecting brand reputation.
• A relevant qualification in Communications, Journalism, Marketing, or a related field.
• A willingness to relocate to Stellenbosch and work from the office full-time — we believe proximity builds agility and deeper connection.

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Purpose Statement
Assume end-to-end responsibility for a credit intelligence workstream through: 

• Leading and guiding the delivery of complex analytical output. 
• Leading the identification, development, implementation and maintenance of new credit intelligence strategies and solutions
• Address business problems relative to credit intelligence workstream. 
• Building and maintaining new statistical models to inform credit intelligence decision making.  
• Providing guidance and technical oversight to junior team members

Experience
Minimum:

• 4 - 6 years’ experience in retail credit analysis (including programming in SQL / SAS / R / Python, descriptive and diagnostic analytics, statistical modelling, and data visualisation).
• In case of Honours degree: 3 - 5 years’ experience in retail credit analysis (including SQL programming and descriptive analytics).  
• Credit intelligence performance and optimisation.

Ideal: 

• Experience in assuming a leadership role during a project.
• Portfolio specific experience
• Capitec Bank experience

Qualifications (Minimum)

• Bachelor's Degree in Finance or Statistics

Qualifications (Ideal or Preferred)

• A relevant post graduate degree in Finance or Statistics

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Purpose Statement

• To support the Mercantile Rental Finance (MRF) Department in delivering a consistent service to Suppliers and Business Partners through the maintenance of service standards relating to documentation, application submissions, and pay-out/discounting.
• To coordinate, process, scrutinise and analyse incoming applications in line with agreed / expected turn-around times and standards.

Experience
Minimum:

• 3 - 5 years general Rental Finance experience in a data processing, investigative or vetting capacity.

Ideal:

• 5+ years general Rental Finance experience in a data processing, investigative or vetting capacity
• Accounting experience will be beneficial. 

Qualifications (Minimum)

• Grade 12 National Certificate / Vocational

Qualifications (Ideal or Preferred)

• A relevant tertiary qualification in Accounting - Financial Accounting or Marketing

Knowledge
Minimum:

• Sound understanding of rental finance and related products
• Understanding of the Office Automation Technology environments
• Basic understanding of Financial statements 
• Understanding of legal requirements of business entities (business knowledge)

Ideal:

• Knowledge on financial statements
• Banking knowledge to understand banking analysis, code of conduct

Skills

• Planning, organising and coordination skills
• Administration Skills
• Attention to Detail
• Problem solving skills
• Decision making skills

Conditions of Employment

• Clear criminal and credit record

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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

• 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.
• Significant experience in preparing and motivating Credit applications 
• Cost control and sales management 

Ideal:

• 1-2 years managerial /leadership experience
• 1-2 years managing a small business centre 

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. 
• Customer relationship management (CRM) principles and techniques
• Different industry sectors and sector risk profiles/ trends; this includes an understanding of the impact of climatic conditions on the agricultural market (if there are agric clients 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
• 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)