Capitec Bank February Vacancies

1. Agent: Collections

Job Introduction

Capitec Bank is seeking dynamic and service-oriented individuals to join its Collections team as an Agent: Collections (Chat Support). This role offers an opportunity to engage directly with clients via calls and chat support to negotiate credit repayments, resolve queries, and ensure customer satisfaction.

As part of Capitec’s financial recovery and debt management team, the successful candidate will play a crucial role in minimizing bad debt while maintaining a strong focus on customer retention and service excellence.

This role is ideal for individuals with call center experience in collections or sales, who have strong negotiation skills, customer engagement expertise, and the ability to work in a fast-paced environment. If you are looking for an opportunity to develop your career in financial services, this role provides growth, stability, and professional advancement.

Role Responsibility

The Agent: Collections (Chat Support) will be responsible for:

• Client Engagement
  • Contacting clients via calls and chat platforms to negotiate credit repayments.
  • Providing timely, professional, and empathetic customer service.
  • Offering financial solutions that align with Capitec’s customer-centric approach.
• Collections & Payment Negotiations
  • Negotiating repayment terms and financial plans based on client affordability.
  • Identifying and resolving delinquent accounts while adhering to company policies.
  • Educating clients on the importance of credit repayment and financial management.
• Query Resolution & Support
  • Responding to customer queries on loan repayments, account settlements, and disputes.
  • Ensuring quick turnaround times for resolving customer complaints.
  • Assisting customers with account updates, payment options, and financial advice.
• Operational Compliance & Reporting
  • Ensuring adherence to Capitec’s credit policies, risk management guidelines, and regulatory requirements.
  • Maintaining accurate customer records and call/chat logs.
  • Providing daily reports on collections progress and customer interactions.

Effective Management of Staff

As part of a high-performing collections team, the candidate will work closely with colleagues, supervisors, and customer service representatives to:

• Foster a collaborative and supportive work environment.
• Participate in team meetings and strategy discussions to improve collections performance.
• Share best practices and customer negotiation techniques with team members.
• Maintain a positive team dynamic by contributing to departmental goals and objectives.

Effective Management of Operations

To ensure smooth operations in the collections department, the candidate will:

• Follow standardized call center protocols for debt recovery and dispute resolution.
• Utilize predictive dialers, AWS Connect, and MS Teams to optimize customer interactions.
• Maintain efficient workflows by prioritizing overdue accounts.
• Ensure all conversations and interactions comply with Capitec’s internal policies and external regulations.
• Track and report customer responses, payments, and unresolved disputes for future follow-ups.

Effective Management of Business Development Function

The Agent: Collections (Chat Support) will contribute to business growth and operational efficiency by:

• Identifying opportunities for process improvement in debt collection.
• Enhancing customer retention by offering flexible payment solutions.
• Improving client relationships to ensure repeat business and long-term banking engagement.
• Collaborating with other departments, such as customer service and finance, to streamline processes.
• Providing feedback and recommendations to optimize Capitec’s collections strategies.

The Ideal Candidate

The ideal candidate will have:

• Qualifications
  • Grade 12 National Certificate or Vocational Qualification.
• Experience
  • One to two years of experience in a Collections or Sales Call Center.
  • Experience handling high-volume customer interactions via calls and chat platforms.
  • Strong background in credit collections, negotiations, and debt management.
• Technical Proficiency
  • Experience with predictive dialers, AWS Connect, and MS Teams.
  • Knowledge of call center processes and customer service protocols.
• Language Skills
  • Proficiency in English, with fluency in at least one African language preferred.

Skills and Attributes

To succeed in this role, candidates must demonstrate:

Technical & Professional Skills

• Strong negotiation skills to secure debt repayment commitments.
• Proficiency in MS Office Suite (Excel, Word, Outlook) for reporting and documentation.
• Familiarity with debt collection software and customer relationship management (CRM) tools.

Communication & Customer Service

• Excellent verbal and written communication skills to engage with clients effectively.
• Ability to explain financial terms and repayment options in a simple and relatable manner.
• Strong listening skills to understand client concerns and provide appropriate solutions.

Problem-Solving & Adaptability

• Ability to handle objections and negotiate repayment plans under pressure.
• Quick decision-making skills to resolve customer queries efficiently.
• Strong attention to detail in maintaining accurate records and documentation.

Interpersonal & Teamwork Abilities

• Ability to work in a team-oriented environment while managing independent tasks.
• Adaptability in handling high call/chat volumes with professionalism.
• Strong ethical standards and commitment to confidentiality when handling customer information.

How to Apply

1. Complete a short assessment on the Capitec Careers Portal to learn more about the role.
2. Finalize your application by clicking apply on the Capitec website.

Conclusion

The Agent: Collections (Chat Support) role at Capitec Bank offers a rewarding career opportunity for individuals with a passion for customer service, financial negotiations, and debt management. This role provides a chance to work in a dynamic banking environment, where collections expertise and customer engagement skills contribute directly to business success.

If you have experience in collections, call centers, or customer service, and want to be part of a leading South African bank, apply today to join Capitec’s growing team.

2. Team Leader: Decision Science

Job Introduction

Capitec Bank is looking for a Lead Decision Scientist to head a team of analytical experts responsible for translating business data into strategic insights. This role requires a strong foundation in data science, predictive modeling, and business intelligence, along with leadership capabilities to drive a team toward delivering actionable decision science solutions.

As part of Capitec’s Decision Science team, this role will focus on credit and risk indicators, ensuring data-driven decision-making that aligns with business objectives, compliance standards, and risk management protocols.

This opportunity is ideal for experienced professionals with a background in advanced analytics, programming (SAS, SQL, R, Python), machine learning, and retail credit risk assessment.

Role Responsibility

The Lead Decision Scientist will oversee and manage:

• Data Analytics & Business Intelligence
  • Lead a team of analysts to extract, aggregate, and analyze large relational datasets.
  • Develop predictive models and machine learning algorithms to assess credit risk.
  • Utilize statistical methods and data mining techniques to provide strategic insights.
  • Translate complex data into actionable recommendations for business stakeholders.
• Risk & Credit Analysis
  • Monitor key risk indicators and ensure compliance with Capitec’s credit cycle policies.
  • Design and optimize risk scoring models to improve credit decisioning.
  • Assess the financial impact of credit risk models and provide strategic input to risk teams.
• Leadership & Team Management
  • Oversee the performance, training, and development of a decision science team.
  • Ensure high-quality analytics and validation of work within the team.
  • Foster a culture of continuous learning and innovation in data science practices.
• Stakeholder Engagement & Collaboration
  • Work closely with credit risk, IT, finance, and compliance teams.
  • Provide strategic recommendations to senior leadership based on data insights.
  • Ensure effective communication and interpretation of technical analytics for business units.
• Project & Process Optimization
  • Lead data-driven projects ensuring efficient implementation of analytics solutions.
  • Oversee IT implementation cycles, ensuring seamless integration of decision science solutions.
  • Implement project management methodologies to drive efficiency in analytics operations.

Effective Management of Staff

To ensure a high-performing decision science team, the Lead Decision Scientist will:

• Recruit, mentor, and develop high-potential analysts.
• Implement best practices in people management to optimize performance.
• Establish clear deliverables, KPIs, and accountability measures.
• Create a culture of data-driven decision-making and problem-solving.
• Ensure alignment of team objectives with Capitec’s business strategies.

Effective Management of Operations

To maintain operational efficiency and compliance, the candidate will:

• Oversee data governance, security, and compliance in analytics operations.
• Streamline decision science workflows to improve speed and accuracy.
• Ensure adherence to regulatory standards in financial and credit risk analysis.
• Optimize data extraction, aggregation, and visualization techniques.
• Integrate machine learning models into business intelligence frameworks.

Effective Management of Business Development Function

The Lead Decision Scientist will contribute to business growth by:

• Enhancing predictive modeling capabilities to improve financial outcomes.
• Driving innovation in credit risk analytics and machine learning models.
• Identifying opportunities to leverage AI and automation for enhanced decision-making.
• Collaborating with product and IT teams to improve data infrastructure and analytics tools.
• Providing strategic guidance on market trends, customer behavior, and risk management.

The Ideal Candidate

Qualifications

• Minimum: Honours Degree in Mathematics or Statistics
• Preferred: Master’s Degree in Mathematics or Statistics

Experience

• Over six years of experience in analytical science roles, with at least three years in leadership or management.
• Proven track record in data extraction, predictive modeling, and credit risk analysis.
• Experience working in fast-paced, high-stakes business environments.
• Strong expertise in programming languages such as SAS, SQL, R, or Python.
• Extensive stakeholder management experience, particularly in finance and risk assessment.

Skills and Attributes

To succeed in this role, candidates must demonstrate:

Technical & Analytical Skills

• Expertise in advanced analytics, predictive modeling, and machine learning.
• Strong ability to interpret complex data sets and business intelligence reports.
• Proficiency in data mining techniques and statistical programming.
• Deep understanding of credit cycle processes and financial risk modeling.

Leadership & Communication

• Ability to lead and inspire a team of data scientists and analysts.
• Strong decision-making skills with a focus on strategic business impact.
• Effective interpersonal and relationship management skills.
• Ability to translate technical findings into actionable business insights.

Problem-Solving & Business Acumen

• Strong problem-solving skills, particularly in financial risk analysis.
• High attention to detail and precision in data-driven decision-making.
• Ability to adapt to rapidly changing financial and regulatory landscapes.

Conditions of Employment

• Clear criminal and credit record.
• Capitec is committed to diversity and employment equity goals.

How to Apply

To apply for this position, visit the Capitec Careers Portal and submit your application.

Conclusion

The Lead Decision Scientist role at Capitec Bank offers an exciting opportunity for individuals with a passion for data science, predictive modeling, and credit risk analytics. This role provides the chance to lead a high-performing analytics team, drive business intelligence strategies, and contribute to Capitec’s financial success.

If you have strong leadership abilities, expertise in decision science, and a deep understanding of credit risk analytics, apply today to become part of Capitec’s innovative and data-driven environment.

3. Platform Data Engineer

Job Overview

Capitec Bank is looking for a Senior Data Engineer to design, develop, and enhance data platforms that meet business intelligence and analytics needs. This role involves analyzing system requirements, building data solutions, and contributing to the overall architecture of Capitec’s data platform.

The ideal candidate will have strong experience in data warehousing, cloud environments, and data transformation. If you have a passion for big data, cloud computing, and advanced analytics, this is an excellent opportunity to join a leading financial institution.

Role Responsibilities

1. Data Platform Development

• Design and develop new applications and systems to support business intelligence and analytics.
• Enhance and maintain data pipelines, cloud data platforms, and storage solutions.
• Ensure data availability, security, and integrity across all platforms.

2. Business and System Analysis

• Work closely with business analysts and system architects to understand data requirements.
• Analyze existing systems and propose enhancements to improve efficiency.
• Provide input into solution design documentation for new and existing data platforms.

3. Cloud Data Engineering

• Develop data pipelines in a cloud environment (AWS or Azure).
• Implement orchestration technologies to automate data workflows.
• Ensure compliance with data governance, security, and regulatory standards.

4. Quality Assurance and Testing

• Implement best practices in data validation and testing.
• Conduct quality assurance on data solutions before deployment.
• Ensure data transformation processes meet performance and security standards.

5. Mentorship and Leadership

• Provide technical guidance and mentorship to junior team members.
• Conduct code reviews and quality assurance to ensure high standards.
• Drive the adoption of best practices in data engineering and analytics.

Effective Management of Staff

To ensure a high-performing data engineering team, the candidate will:

• Mentor junior engineers and help them develop advanced data engineering skills.
• Promote collaboration within the team and across business units.
• Lead by example by delivering high-quality solutions and meeting deadlines.

Effective Management of Operations

To maintain operational efficiency, the candidate will:

• Monitor and optimize data performance and system reliability.
• Identify and resolve bottlenecks in data pipelines and transformations.
• Ensure data architecture aligns with business goals and IT strategies.

Effective Management of Business Development Function

The Senior Data Engineer will contribute to Capitec’s business intelligence and analytics by:

• Developing scalable data models to support reporting and analytics.
• Implementing best practices in cloud data architecture.
• Identifying opportunities to leverage big data for strategic decision-making.

The Ideal Candidate

Qualifications

• Minimum: Relevant degree in Information Technology or Data Analysis.
• Preferred: Degree in Data Engineering.

Experience

• Minimum:
  • At least 6 years of experience in data engineering, MIS, or data transformation.
  • Proven experience in data warehousing, cloud technologies, and database systems.
  • Strong background in SQL, ETL, and data pipeline development.
• Ideal:
  • Experience in AWS or Azure cloud environments.
  • Knowledge of orchestration tools and big data frameworks.
  • Understanding of data modeling and architecture best practices.

Skills and Attributes

Technical Skills

• Strong knowledge of IT system development (SDLC) and data pipelines.
• Experience with relational databases, cloud data warehouses, and big data frameworks.
• Expertise in dimensional modeling and data architecture design.
• Familiarity with standards, governance, and testing practices.

Analytical & Problem-Solving Abilities

• Ability to analyze complex datasets and extract meaningful insights.
• Strong decision-making skills to optimize data solutions.
• Proven ability to troubleshoot and resolve data issues efficiently.

Communication & Interpersonal Skills

• Ability to translate technical concepts into business-friendly language.
• Strong relationship management skills to engage with stakeholders.
• Comfortable leading cross-functional teams and technical discussions.

Conditions of Employment

• Clear criminal and credit record.
• Capitec is committed to diversity and employment equity goals.

How to Apply

To apply for this position, visit the Capitec Careers Portal and submit your application.

Conclusion

The Senior Data Engineer role at Capitec Bank is an exciting opportunity for professionals with a strong background in data engineering, cloud computing, and analytics. This role provides a chance to work on cutting-edge data platforms, develop scalable cloud solutions, and contribute to Capitec’s data-driven strategy.

If you are an experienced data engineer looking to advance your career in a dynamic and innovative banking environment, apply today.

4. Software Development Manager

Job Introduction

Capitec Bank is seeking an experienced and dynamic Technical Product Manager to lead multiple technical teams in delivering high-quality software products. This role is responsible for overseeing the full product lifecycle, from feature development to maintenance and optimization. The ideal candidate will play a pivotal role in driving efficiency, innovation, and team development while ensuring that all solutions align with Capitec’s client-first approach.

This position requires a strong technical background, leadership skills, and business acumen to manage cross-functional teams, work with stakeholders, and oversee agile software development processes. The candidate should have experience in budget management, stakeholder engagement, and software development lifecycle (SDLC).

Role Responsibility

The Technical Product Manager will be responsible for the following key areas:

• Product Strategy & Roadmap Development
  • Define and implement the product vision and strategy.
  • Align product development with business goals and client needs.
  • Craft product roadmaps that drive continuous improvement and innovation.
• Software Development & Delivery
  • Oversee end-to-end product development, ensuring on-time and high-quality delivery.
  • Work closely with engineering, design, and business teams to develop and launch features.
  • Ensure development follows SDLC best practices and is aligned with agile methodologies.
• Stakeholder & Team Management
  • Engage with internal and external stakeholders to gather requirements and feedback.
  • Maintain strong relationships with cross-functional teams to drive collaboration.
  • Guide technical teams to prioritize deliverables and manage product iterations.
• Risk Management & Compliance
  • Ensure that all product solutions comply with Capitec’s regulatory and security requirements.
  • Identify potential risks in product development and implement mitigation strategies.

Effective Management of Staff

A successful Technical Product Manager must be an effective leader who can inspire and guide their teams to deliver high-performance results. Responsibilities in this area include:

• Building & Leading High-Performance Teams
  • Recruit, mentor, and develop technical professionals.
  • Foster an innovative and collaborative work culture.
  • Implement best practices for team efficiency and performance management.
• Training & Development
  • Encourage continuous learning and professional growth.
  • Conduct knowledge-sharing sessions and provide learning opportunities.
  • Empower team members to take ownership of their projects.
• Performance Monitoring & Feedback
  • Conduct regular performance evaluations to assess team contributions.
  • Provide constructive feedback and guidance for improvement.
  • Recognize and reward top-performing employees.

Effective Management of Operations

Operational excellence is a key responsibility of the Technical Product Manager. The ability to optimize development workflows and ensure efficient operations is crucial.

• Agile Development & Process Optimization
  • Implement agile methodologies for faster and more efficient delivery.
  • Optimize workflow processes to enhance productivity and reduce waste.
  • Monitor and improve software release cycles to ensure continuous deployment.
• Quality Assurance & Testing
  • Establish best practices for testing and quality control.
  • Ensure all software meets Capitec’s quality and security standards.
  • Work closely with QA teams to identify and resolve issues early in the development cycle.
• Budget & Resource Management
  • Manage budgets for software development and infrastructure.
  • Allocate resources effectively to ensure cost-efficient product development.
  • Balance investment in innovation with operational efficiency.

Effective Management of Business Development Function

The Technical Product Manager will contribute to business growth and innovation by aligning technology solutions with Capitec’s strategic goals.

• Market & Competitive Analysis
  • Analyze market trends and competitor products to identify opportunities.
  • Gather insights on customer needs and expectations.
  • Leverage data analytics to make informed product decisions.
• Product Growth & Scalability
  • Ensure that Capitec’s digital products are scalable and future-proof.
  • Develop strategies for product expansion and enhancement.
  • Identify and implement new technologies to drive product innovation.
• Collaboration with Business Units
  • Work closely with marketing, finance, and operations teams to align product strategies.
  • Ensure that technical solutions enhance customer experience and business performance.
  • Promote cross-functional collaboration for seamless execution.

The Ideal Candidate

The ideal candidate will possess a combination of technical expertise, leadership abilities, and business acumen to drive Capitec’s digital transformation.

Qualifications

• Bachelor’s degree in Commerce, Information Technology, or Computer Science.
• Preferred: Certifications in Agile Development, Product Management, or Project Management.

Experience

• At least 5 years of experience in software development management.
• Strong background in software development lifecycle (SDLC), agile development, and project management.
• Proven experience in:
  • Managing budgets and resource allocation.
  • Crafting roadmaps for digital product development.
  • Leading and mentoring technical teams.
  • Engaging with stakeholders and managing expectations.
  • Driving innovation and optimizing operations.

Skills and Attributes

Technical & Business Skills

• Deep understanding of agile development principles and project management methodologies.
• Strong knowledge of banking systems and fintech solutions.
• Ability to translate business objectives into technical solutions.
• Experience with stakeholder management and cross-functional collaboration.

Leadership & People Management

• Strong decision-making skills to prioritize and manage deliverables.
• Excellent interpersonal and relationship management abilities.
• Ability to mentor and inspire technical teams.

Problem-Solving & Innovation

• Analytical mindset with strong problem-solving abilities.
• Passion for technology, innovation, and continuous improvement.
• Ability to adapt to new challenges and emerging technologies.

Conditions of Employment

• Clear criminal and credit record.
• Capitec Bank is committed to diversity and employment equity goals.

How to Apply

To apply for this position, visit the Capitec Careers Portal and submit your application.

Conclusion

The Technical Product Manager role at Capitec Bank offers a unique opportunity to lead high-impact digital product initiatives. This position is ideal for professionals with technical expertise, leadership skills, and a passion for product innovation.

If you have experience in software development management, agile methodologies, and strategic business planning, this is your chance to join one of South Africa’s leading banks and contribute to its digital evolution.

Apply today and become part of Capitec Bank’s technology-driven future.

5. Credit Intelligence Analyst II

Job Introduction

Capitec Bank is looking for a Credit Intelligence Lead to take end-to-end responsibility for a credit intelligence workstream. This role is designed for professionals with strong analytical skills, leadership abilities, and expertise in statistical modeling and credit intelligence solutions.

As part of Capitec’s data-driven decision-making team, the successful candidate will be responsible for leading complex analytical projects, developing new credit intelligence strategies, and providing technical oversight to junior team members.

This position is ideal for individuals who have experience in retail credit analysis, statistical modeling, and programming in SQL, SAS, R, or Python.

Role Responsibility

The Credit Intelligence Lead will be responsible for:

1. Credit Intelligence Strategy & Development

• Develop and implement new credit intelligence solutions.
• Identify and enhance credit risk assessment strategies.
• Ensure that data-driven insights inform credit decision-making.

2. Analytical Leadership & Model Development

• Lead and guide the delivery of complex analytical outputs.
• Build and maintain statistical models to improve credit intelligence performance.
• Provide technical oversight and mentorship to junior analysts.

3. Business Problem Solving & Performance Optimization

• Address business challenges related to credit intelligence.
• Monitor and optimize credit intelligence performance.
• Develop strategies for credit portfolio management and risk assessment.

4. Data Analysis & Reporting

• Utilize SQL, SAS, R, or Python for data analysis and modeling.
• Conduct descriptive and diagnostic analytics to evaluate credit performance.
• Design and implement data visualization techniques to improve reporting clarity.

5. Stakeholder Engagement & Collaboration

• Work closely with finance, risk management, and customer value management teams.
• Present findings and recommendations to senior management.
• Collaborate with internal teams to ensure alignment of credit strategies with business objectives.

Effective Management of Staff

As a Credit Intelligence Lead, the candidate will be responsible for:

• Mentoring and coaching junior analysts to improve their technical and analytical skills.
• Ensuring a collaborative team environment that fosters innovation and data-driven thinking.
• Providing structured guidance and support to team members working on complex projects.
• Establishing clear performance metrics and tracking team contributions to overall business success.

Effective Management of Operations

To ensure the smooth execution of credit intelligence strategies, the candidate will:

• Oversee credit risk analysis and provide data-driven insights for business decision-making.
• Implement best practices for credit intelligence modeling and statistical analysis.
• Ensure compliance with internal policies and external regulatory requirements.
• Monitor credit intelligence model performance and optimize processes for better efficiency.

Effective Management of Business Development Function

The Credit Intelligence Lead will contribute to business development and strategic growth by:

• Identifying new credit risk assessment methodologies to improve business performance.
• Enhancing customer segmentation and risk profiling strategies.
• Working with cross-functional teams to develop predictive models for credit portfolio management.
• Leveraging data science techniques to create innovative credit intelligence solutions.

The Ideal Candidate

Qualifications

• Minimum: Bachelor’s Degree in Finance or Statistics.
• Preferred: A postgraduate degree in Finance or Statistics.

Experience

• Minimum:
  • 4 to 6 years of experience in retail credit analysis.
  • Hands-on experience in SQL, SAS, R, or Python.
  • Expertise in descriptive analytics, statistical modeling, and data visualization.
• Ideal:
  • Experience leading projects and teams in a credit intelligence environment.
  • Knowledge of Customer Value Management (CVM) and Rewards.
  • Previous experience working at Capitec Bank is advantageous.

Skills and Attributes

Technical & Analytical Skills

• Strong statistical modeling and data analysis capabilities.
• Expertise in credit risk assessment methodologies.
• Proficiency in SQL, SAS, R, or Python for data transformation and predictive modeling.
• Ability to analyze large datasets and extract meaningful insights.

Leadership & Team Management

• Ability to lead and mentor a team of analysts.
• Strong decision-making and problem-solving skills.
• Ability to foster a culture of collaboration and continuous learning.

Communication & Presentation Skills

• Strong verbal and written communication skills.
• Ability to translate complex analytical findings into actionable insights.
• Experience presenting reports and recommendations to senior stakeholders.

Problem-Solving & Business Acumen

• Ability to address business challenges using credit intelligence solutions.
• Strong understanding of credit portfolio management and optimization.
• Ability to align credit intelligence strategies with business goals.

Conditions of Employment

• Clear criminal and credit record.
• Capitec is committed to diversity and employment equity goals.

How to Apply

To apply for this position, visit the Capitec Careers Portal and submit your application.

Conclusion

The Credit Intelligence Lead role at Capitec Bank is a high-impact position for professionals with a strong background in credit analysis, statistical modeling, and data-driven decision-making.

This role offers the opportunity to:

• Lead a credit intelligence workstream and drive innovation.
• Develop predictive models and optimize credit risk assessment strategies.
• Work in a data-driven environment to enhance business performance.
• Mentor and guide junior analysts in building best-in-class solutions.

If you are passionate about data science, credit analytics, and risk management, this is the perfect opportunity to join a leading financial institution and make a significant impact.

Apply today and be part of Capitec’s innovative credit intelligence team.

6. Account Analyst (Sandton)

Business Banking Portfolio Manager | Capitec Bank Careers

Job Introduction

Capitec Bank is looking for a Business Banking Portfolio Manager to provide centralized support for managing business banking portfolios. This role is essential in enhancing client relationships, ensuring compliance, and monitoring loan facilities.

The successful candidate will serve as a key contact point for customer service queries, administration support, and credit application processing. Additionally, the role involves identifying cross-selling opportunities, mitigating risks, and ensuring the smooth operation of business banking portfolios.

This position is ideal for individuals with experience in business banking, credit applications, and financial risk analysis, who are eager to drive customer satisfaction and portfolio growth.

Role Responsibility

The Business Banking Portfolio Manager will be responsible for:

1. Client Relationship Management

• Serve as a primary contact for business clients regarding queries, account updates, and service requests.
• Build and maintain strong customer relationships by providing tailored financial solutions.
• Identify cross-selling opportunities to enhance business growth and client retention.

2. Credit & Risk Management

• Monitor loan facilities daily to ensure compliance with set parameters and conditions.
• Assist in preparing and motivating credit applications to facilitate business financing.
• Evaluate credit risks and ensure proper security documentation is in place.

3. Business Banking Support & Administration

• Handle business banking transactions and administrative processes efficiently.
• Ensure compliance with banking regulations, including The Financial Intelligence Centre Act (FICA).
• Process loan approvals, securities, and financial documentation accurately and promptly.

4. Financial & Industry Analysis

• Conduct business market analysis to identify risks and opportunities.
• Evaluate client financial statements, cash flows, and business models.
• Provide recommendations on financial products suited to client needs.

5. Operational Efficiency & Compliance

• Ensure adherence to banking policies, procedures, and industry regulations.
• Streamline business banking processes to improve operational efficiency.
• Maintain accurate and up-to-date client records to support audits and compliance checks.

Effective Management of Staff

Although not a direct managerial role, the Business Banking Portfolio Manager will:

• Coordinate with internal teams (credit analysts, business bankers, and relationship managers) to support clients effectively.
• Train and guide junior staff on business banking best practices.
• Facilitate knowledge sharing on risk assessment, credit applications, and financial solutions.

Effective Management of Operations

To maintain seamless banking operations, the candidate will:

• Monitor loan facilities and provide early warnings on potential risks.
• Ensure timely processing of transactions and adherence to compliance requirements.
• Improve business banking workflows to enhance customer experience and operational efficiency.

Effective Management of Business Development Function

The Business Banking Portfolio Manager will contribute to business growth and expansion by:

• Identifying new business opportunities within existing client portfolios.
• Supporting business clients with tailored financial products and services.
• Collaborating with the sales and marketing teams to develop business banking strategies.
• Keeping up-to-date with market trends, competitor strategies, and industry best practices.

The Ideal Candidate

Qualifications

• Minimum: Diploma in Commerce or Banking.
• Preferred: Bachelor’s Degree in Banking or Commerce.

Experience

• Minimum:
  • At least 5 years of banking experience, with 1 year in Business Banking.
  • Experience in credit applications and financial risk assessment.
• Ideal:
  • Prior experience in competitor product analysis and market research.
  • Working knowledge of Capitec’s Business Banking systems and processes.

Skills and Attributes

Technical & Financial Skills

• Strong knowledge of banking products, credit risk assessment, and financial management.
• Proficiency in business banking systems and loan facility monitoring.
• Understanding of credit principles, securities, and financial statement analysis.

Analytical & Problem-Solving Abilities

• Ability to assess business risks and creditworthiness.
• Strong problem-solving skills in financial risk management and loan structuring.
• High attention to detail in loan administration and credit assessment.

Communication & Relationship Management

• Strong negotiation and client engagement skills.
• Ability to build long-term relationships with business clients.
• Proficiency in explaining financial solutions to non-financial clients.

Organizational & Coordination Skills

• Ability to plan, organize, and manage multiple client portfolios efficiently.
• Strong coordination skills to work with internal teams and business clients.
• Effective time management to ensure timely loan processing and approvals.

Conditions of Employment

• Clear criminal and credit record.
• Capitec is committed to diversity and employment equity goals.

How to Apply

To apply for this position, visit the Capitec Careers Portal and submit your application.

Conclusion

The Business Banking Portfolio Manager role at Capitec Bank is a high-impact position for professionals with experience in business banking, credit risk assessment, and client relationship management.

This role offers the opportunity to:

• Manage and optimize business banking portfolios.
• Support business clients with tailored financial solutions.
• Develop expertise in credit assessment, loan structuring, and financial risk analysis.
• Work in a dynamic, client-focused banking environment.

If you have the required experience and skills, this is your opportunity to join Capitec’s growing Business Banking team and make a significant impact in financial services.

Apply today to become part of Capitec’s innovative and client-focused banking environment.

7. System Analyst 

About the Role

Capitec Bank is seeking an Automation and Systems Integration Engineer to design, develop, configure, and maintain automation solutions that enhance system performance and business processes. This role will involve integrating multiple systems, troubleshooting technical issues, and ensuring seamless operations across the Systems Development Lifecycle (SDLC).

The successful candidate will play a key role in system automation, query resolution, and liaising with internal and external system teams to ensure smooth functionality and compliance with governance frameworks.

If you have strong technical expertise in SQL, Java, C#, and system integration methodologies, this role offers an opportunity to contribute to banking technology innovation in a fast-paced and agile environment.

Role Responsibility

1. System Design, Development & Automation

• Design, develop, and implement automation tools and system integrations.
• Configure and maintain business process automation to improve efficiency.
• Work with development teams to ensure seamless system integration.
• Ensure all automation processes comply with internal and external governance policies.

2. Technical Support & Troubleshooting

• Provide technical system support and query resolution.
• Troubleshoot system errors, performance issues, and integration failures.
• Liaise with internal teams, vendors, and third-party providers to resolve technical problems.
• Ensure that system updates and enhancements align with business requirements.

3. Systems Development Lifecycle (SDLC) Management

• Participate in all phases of the SDLC, from design to deployment.
• Ensure automated workflows are properly documented and optimized.
• Work with Quality Assurance (QA) teams to develop test plans and validation strategies.

4. Compliance & Governance

• Ensure that automation solutions comply with ITIL principles and governance frameworks.
• Maintain data security and integrity across all integrations.
• Document technical processes and contribute to training materials.

Effective Management of Staff

While this role does not involve direct people management, the candidate will:

• Collaborate with cross-functional teams, developers, and system analysts.
• Provide technical guidance and mentorship to junior team members.
• Foster a culture of continuous improvement and technical excellence.

Effective Management of Operations

To maintain operational efficiency and system reliability, the candidate will:

• Monitor and optimize automated workflows and system integrations.
• Develop proactive monitoring tools to detect system issues before they impact users.
• Implement best practices in quality assurance (QA) and system analysis.
• Ensure that all technical documentation is up to date for future reference.

Effective Management of Business Development Function

The Automation and Systems Integration Engineer will contribute to business growth by:

• Identifying opportunities for automation to improve operational efficiency.
• Enhancing customer experience by reducing system downtime and inefficiencies.
• Supporting the development of new banking technology solutions.
• Ensuring that all automated processes align with business strategy.

The Ideal Candidate

Qualifications

• Minimum: A tertiary qualification in Information Technology, Computer Science, or Information Systems.

Experience

• Minimum:
  • 5 to 8 years of experience in Systems Design and Analysis.
  • Experience in SQL, Transact-SQL, Web Services, HTML, CSS, and JavaScript.
  • Knowledge of automation tools and programming (Java and C#).
  • At least 1–2 years of telecommunications (telco) experience is advantageous.
• Ideal:
  • Experience with Jira and Confluence.
  • Knowledge of agile development life cycles and project management methodologies.
  • Experience with technical test plan design and software documentation.
  • Proficiency in .NET Frameworks, XML, JSON, HTML, CSS, and JavaScript.

Skills and Attributes

Technical & Analytical Skills

• Strong understanding of automation tools, programming languages, and system integration.
• Expertise in SQL and relational database management.
• Familiarity with cloud-based automation and API integrations.
• Experience in troubleshooting system performance issues.

Problem-Solving & Innovation

• Ability to analyze and resolve complex technical problems.
• Strong critical thinking skills to develop innovative automation solutions.
• Ability to improve business processes through technology-driven solutions.

Communication & Collaboration

• Strong interpersonal skills to engage with technical teams and stakeholders.
• Ability to document processes clearly for both technical and non-technical audiences.
• Experience in working with cross-functional teams in a collaborative environment.

Project & Time Management

• Ability to manage multiple projects and meet deadlines.
• Strong organizational skills to prioritize tasks effectively.
• Ability to work in fast-paced environments with minimal supervision.

Conditions of Employment

• Clear criminal and credit record.
• Must be contactable via own mobile phone.
• Required to be available after hours for emergency system support.

How to Apply

To apply for this position, visit the Capitec Careers Portal and submit your application.

Conclusion

The Automation and Systems Integration Engineer role at Capitec Bank is an exciting opportunity for experienced professionals who are passionate about automation, system integration, and technical problem-solving.

This role provides the opportunity to:

• Design and implement automation solutions that improve banking operations.
• Troubleshoot and resolve complex system integration challenges.
• Work with advanced technologies in a collaborative team environment.
• Support business growth by optimizing banking systems and automation workflows.

If you have the required technical expertise, problem-solving mindset, and leadership skills, apply today to join Capitec’s innovative technology team.

8. Forensic Investigator

Job Introduction

Capitec Bank is looking for a Forensic Investigator to identify, investigate, and mitigate fraud-related risks across the organization. This role is critical in ensuring that fraud incidents are properly investigated and that appropriate evidence is provided for disciplinary and legal proceedings.

The successful candidate will be responsible for investigating various types of fraud, including:

• External fraud (e.g., credit application fraud and insurance fraud).
• Internal fraud (e.g., employee misconduct or breach of policies).
• Criminal syndicates operating against the bank.

This role requires strong analytical skills, fieldwork experience, and knowledge of criminal law and investigation procedures. The candidate must be comfortable conducting fraud investigations, gathering evidence, and recommending preventative measures to reduce future risk.

Role Responsibility

1. Fraud Investigation & Risk Assessment

• Conduct in-depth investigations into fraud cases, including financial crimes, credit fraud, and insurance fraud.
• Collect, analyze, and present evidence for use in disciplinary hearings and criminal prosecutions.
• Identify fraud trends and control weaknesses within the bank and recommend preventative measures.
• Assist in developing and implementing anti-fraud strategies to reduce financial risk.

2. Fieldwork & Research

• Perform on-site and remote investigations into fraudulent activities.
• Interview suspects, witnesses, and affected individuals to gather information.
• Utilize various forensic tools and techniques to conduct research and verify claims.
• Collaborate with law enforcement and other regulatory bodies when required.

3. Legal & Disciplinary Proceedings

• Provide detailed forensic reports with accurate and well-documented findings.
• Present evidence and expert testimony in disciplinary hearings or criminal court cases.
• Ensure that investigations comply with criminal law, the law of evidence, and judicial procedures.

4. Fraud Prevention & Training Initiatives

• Recommend process improvements to reduce fraud risk within Capitec.
• Develop training materials and conduct fraud awareness training for employees.
• Stay up to date with emerging fraud tactics and industry best practices.

Effective Management of Staff

While this role does not involve direct team management, the Forensic Investigator will:

• Collaborate with internal fraud teams, legal teams, and compliance departments.
• Provide guidance and training to employees on fraud detection and prevention.
• Support and mentor junior forensic investigators where required.

Effective Management of Operations

To maintain the effectiveness of fraud investigation procedures, the candidate will:

• Ensure that all fraud cases are handled in a timely and professional manner.
• Maintain detailed records of investigations for audit and legal purposes.
• Work closely with law enforcement and external fraud prevention organizations.

Effective Management of Business Development Function

The Forensic Investigator will contribute to Capitec’s business resilience by:

• Identifying and closing gaps in fraud prevention strategies.
• Enhancing the bank’s ability to detect and respond to fraudulent activity.
• Improving internal policies, controls, and monitoring systems.

The Ideal Candidate

Qualifications

• Minimum: A relevant qualification in Forensic Investigation, Criminology, Auditing, or Forensic Law.
• Preferred: Certified Fraud Examiner (CFE) or an equivalent fraud investigation certification.

Experience

• Minimum:
  • Three or more years of experience in forensic investigation or auditing.
  • Experience in fraud detection, investigation techniques, and legal proceedings.
  • Fieldwork experience, including willingness to travel.
• Ideal:
  • Experience in the financial services sector as a forensic investigator or auditor.
  • Background in funeral insurance fraud investigations.

Skills and Attributes

Technical & Analytical Skills

• Strong knowledge of investigation methods and procedures.
• Understanding of criminal law, evidence gathering, and the judicial process.
• Ability to analyze large amounts of data and detect fraud patterns.

Communication & Interpersonal Skills

• Strong verbal and written communication skills for report writing and courtroom testimony.
• Excellent interviewing and interrogation skills.
• Ability to negotiate and handle sensitive investigations with discretion.

Attention to Detail & Problem-Solving

• High level of attention to detail when analyzing financial transactions and fraud cases.
• Strong decision-making skills in high-pressure situations.
• Ability to develop fraud prevention strategies based on investigative findings.

Conditions of Employment

• Valid driver’s license and own vehicle required.
• Ability to travel for fieldwork investigations.
• Availability after hours in case of emergency fraud investigations.
• Clear criminal and credit record.
• Capitec is committed to diversity and employment equity goals.

How to Apply

To apply for this position, visit the Capitec Careers Portal and submit your application.

Conclusion

The Forensic Investigator role at Capitec Bank is a high-impact position for professionals with strong analytical skills, legal expertise, and fraud investigation experience.

This role provides an opportunity to:

• Conduct in-depth fraud investigations in financial services.
• Work with law enforcement and legal teams to prosecute financial crimes.
• Contribute to fraud prevention and risk management strategies.
• Develop and implement anti-fraud training initiatives.

If you are passionate about forensic investigations, fraud risk management, and legal compliance, this is an excellent opportunity to make a difference in financial security.

Apply today and become part of Capitec Bank’s fraud prevention and forensic investigation team.

Click Here to Apply!

We wish you all the best in your Applications.