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Machine Learning Engineer
Location: Stellenbosch, Western Cape, ZA
Company: Capitec Bank Ltd
Apply by:
We’re on the lookout for energetic, self-motivated individuals who share our passion for service in the banking industry. To be part of the journey, follow the steps below:
1. To see what life at Capitec is all about and complete a short assessment, please click here!
2. Once you have completed the above finalize your application by clicking apply below.
Join Us in Becoming the Best Bank in the World!!
We appoint energized and motivated people for their potential and continuously look for talented, driven individuals to help us innovate and evolve. That is why we focus on finding the right people for the right jobs. We love what we do because we focus on making a positive difference for our clients and employees. Our company DNA is built around talented and committed teams dedicated to build a brand that we are proud of and earns the trust of our clients.
Who we are:
We are a bank, but we’re much more than that. We believe that banking is about enabling people to control their financial lives through banking that is simplified, accessible, affordable and delivered through personal experience. By helping our clients manage their financial lives better, we enable them to live better.
Why choose us:
At Capitec, we offer our best by living up to our CEO values in every situation – we always put the Client first, act with Energy and take Ownership. And to support people in being their best, our Employee Value Proposition offers every value to all team members through cohesive teams, growth opportunities as well as employee benefits and savings. We make it a priority to ensure that each member of the Capitec team feels welcome, valued, focused, and has the opportunity to grow.
About the role:
As a Machine Learning Engineer at Capitec is pivotal in shaping and executing the bank’s AI strategy. By collaborating with Data Scientists and Decision Scientists, you’ll enhance their efficiency through the development, implementation, and support of platform improvements. Your contributions will be crucial in positioning Capitec to remain competitive in a rapidly evolving landscape where AI technologies are key strategic differentiators.
This role leverages your deep understanding of machine learning models, from concept to deployment, and expertise in modern software development best practices, big data processing frameworks, and cloud environments whilst sitting in the risk division of the business. You’ll also be working extensively with Python, SQL, and advanced debugging techniques to ensure the delivery of scalable, robust, and production-ready predictive models
Our ideal candidate has:
- 3+ years of experience in any engineering role
- Honors degree or higher in any field
- Python and SQL experience
- PySpark
- Big data frameworks – Hadoop/Kafka
- Github experience or Git
Ideal:
- AWS experience
Competencies:
- Simplify and make it easy
- Earn and extend trust
- Plan, deliver and raise the bar
- Curious and continuously learns
- Act, learn and adapt
- Inspire optimism and persistence
- Have courage, disagree and commit
Education
- Completed an Honors Degree or higher
If you are interested in being part of this dynamic team, on a mission to build the best bank in the world through unlocking the potential of its people, please apply. We would love to hear from you!
Capitec is committed to diversity and, where feasible, all appointments will support the achievement of our employment equity goals
Capitec is committed to diversity, applications to this position will strictly be considered in support of our employment equity goals.
Marketing Manager
Location: Stellenbosch, Western Cape, ZA
Company: Capitec Bank Ltd
Join Us in Becoming the Best Banking Group in the World!!
We appoint energized and motivated people for their potential and continuously look for talented, driven individuals to help us innovate and evolve. That is why we focus on finding the right people for the right jobs. We love what we do because we focus on making a positive difference for our clients and employees. Our company DNA is built around talented and committed teams dedicated to build a brand that we are proud of and earns the trust of our clients.
Who We Are
We are a bank, but we’re much more than that. We believe that banking is about enabling people to control their financial lives through banking that is simplified, accessible, affordable, and delivered through a personal experience. By helping our clients manage their financial lives better, we enable them to live better.
Why choose Us
At Capitec, we offer our best by living up to our CEO values in every situation – we always put the Client first, act with Energy and take Ownership. And to support people in being their best, our Employee Value Proposition offers every value to all team members through cohesive teams, growth opportunities as well as employee benefits and savings. We make it a priority to ensure that each member of the Capitec team feels welcome, valued, focused, and has the opportunity to grow.
About the role
As a Marketing Manager at Capitec Bank, you will be the driving force behind our integrated marketing plan and program. You will play a key role in understanding our market landscape and clients’ needs, acting as a strategic marketing partner to business stakeholders and Business Unit Executives.
In this role, you will assess business challenges, propose effective marketing solutions, and guide the development of comprehensive marketing plans across various business units. Your primary goal will be to meet business objectives by acquiring and optimizing quality clients through innovative and impactful marketing strategies.
You will be responsible for crafting and executing integrated marketing strategies that ensure the right message reaches the right client at the right time and through the right channels, supporting our products and services while enhancing Capitec’s market presence.
Our ideal candidate has:
- 10+ years marketing experience in a large, complex and client focussed organisation
- 5+ years in middle to senior management
- Managing a team for at least 5 years
Qualifications (Minimum)
- Bachelor’s degree in marketing or business management (Ideal would be a post graduate degree or diploma)
- Any other business or marketing related major would be applicable.
- Qualifications in Performance marketing would be a plus
Knowledge
Minimum:
- Principles of brand marketing
- Data analysis, client profiling and segmentation
- Digital marketing and e-commerce
- Strategic marketing management
- Campaign management
- General business/commerce know how
- People management principles and practices
- Internal and external communication methods and practices
- Stakeholder management principles and practices
Ideal:
- Capitec environment and products
Skills
- Communications Skills
- Computer Literacy (MS Word, MS Excel, MS Outlook)
- Problem solving skills
- Management skills
- Decision making skills
Conditions of Employment
- Clear criminal and credit record
Manager: Visual Communication Design
Location: Stellenbosch, Western Cape, ZA
Company: Capitec Bank Ltd
We’re hiring: Manager – Visual Communication Design
Capitec is building a world-class brand – and we’re looking for a senior design leader to help take us there.
As the Manager: Visual Communication Design, you’ll work alongside our Executive Creative Director to bring our bold creative vision to life. You’ll own and evolve our visual identity and design systems, help set the standard for future-fit design, and lead a high-performance team that crafts outstanding, human-centred work.
This isn’t just a management role. It’s a chance to shape the creative future of South Africa’s most loved bank – and help build a brand the world looks to for inspiration.
Why Capitec
- We’re not just making banking simpler – we’re making it human
- Our Brand Design team is bold, passionate, and purpose-driven
- You’ll play a key role in shaping one of South Africa’s fastest-growing, most meaningful brands
What you’ll do
- Partner with the ECD to define and drive Capitec’s creative direction
- Own and evolve our visual identity and design systems
- Lead and inspire a high-performing design team to create world-class work
- Foster a culture of curiosity, creativity and constant growth
- Champion creative excellence and push boundaries with every brief
- Collaborate across copy, product, CX, UX and marketing to deliver integrated, insight-led solutions
- Stay ahead of design trends and guide the team in experimenting, learning and staying future fit
What you’ll bring
- 10+ years in brand, graphic, or visual design, with at least 8 years in a leadership role
- A portfolio that reflects strong conceptual thinking and refined craft across brand and digital
- Proven experience leading, mentoring and developing design teams
- Motion graphics and animation experience
- Deep understanding of design systems, brand building and creative operations
- Fluency in Figma, Adobe Creative Suite and a love for innovation
- Leadership qualities that energise teams and elevate the work
Conditions of Employment
- Clear criminal and credit record
- Willing to be contacted via own cell phone due to inherent requirement of the job to be mobile
Lead: Marketing Portfolio
Location: Stellenbosch, Western Cape, ZA
Company: Capitec Bank Ltd
Join Us in becoming the best Bank in the world!!
We appoint energised and motivated people for their potential and continuously look for talented, driven individuals to help us innovate and evolve. That is why we focus on finding the right people for the right jobs. We love what we do because we focus on making a positive difference for our clients and employees. Our company DNA is built around talented and committed teams dedicated to build a brand that we are proud of and earns the trust of our clients.
Who we are
We are a bank, but we’re much more than that. We believe that banking is about enabling people to control their financial lives through banking that is simplified, accessible, affordable and delivered through a personal experience. By helping our clients manage their financial lives better, we enable them to live better.
Why choose us
At Capitec, we offer our best by living up to our CEO values in every situation – we always put the Client first, act with Energy and take Ownership. And to support people in being their best, our Employee Value Proposition offers every value to all team members through cohesive teams, growth opportunities as well as employee benefits and savings. We make it a priority to ensure that each member of the Capitec team feels welcome, valued, focused, and has the opportunity to grow.
About the role:
We are looking for a seasoned and delivery-focused marketing professional with a strong track record in planning and implementing high-impact campaigns within a fast-paced, high-volume retail environment. The ideal candidate will be both strategic and hands-on, capable of overseeing end-to-end execution with a sharp eye for detail and a commitment to excellence.
To deliver against business the marketing objectives by delivering the campaign objectives.
- To partner strategically with Business and Product Heads to assess business needs and offer tailored marketing solutions.
- To advise and direct the creation of marketing programs that align and deliver against the business’s strategic objectives overseeing the marketing value chain, from consulting and program leadership to planning, development, execution, and reporting.
- To nurture the current base of clients by understanding their banking behaviour and using campaigns and tactics to deliver entrenched behaviour and additional product usage
- To create performance driven campaigns to acquire new clients and launch new products in market using the appropriate channels of communications.
What you will bring:
· 6+ years brand marketing experience in a large, complex and client focused organisation
· Extensive experience in retail planning, ideally within an organisation that has a large and geographically dispersed retail footprint. A solid understanding of national and regional planning across diverse consumer segments and communities is essential.
· Demonstrated experience working within emerging markets, with strong knowledge of mobile marketing and community-based engagement in local areas and township hubs. The candidate should be confident in developing tailored strategies that resonate with underserved or grassroots audiences.
· A proven ability to plan, manage, and deliver integrated, multi-channel marketing campaigns across a range of products and services. This includes experience across above-the-line (ATL), below-the-line (BTL), digital, and on-the-ground activations.
· Exceptional project management and stakeholder collaboration skills, with the ability to drive campaign delivery through cross-functional teams, agencies, and partners. A strong focus on practical execution and delivery under tight timelines is critical.
· A relevant degree in Marketing or Business Management
Knowledge of:
· Principles of brand marketing
· Strategic Marketing management
· Data analysis, client profiling and segmentation
· Digital, paid and social media marketing
· Multiple product and service campaigns project management and end to end delivery
· Internal and external communication, above the line and below the line methods and practices
· Stakeholder and relationship building and management
· Senior stakeholder engagement and management
· Yearly business and campaign planning calendars and management thereof
Ideally you also have:
· Experience gained preferably in an FMCG, retail banking or services industry.
· Cross-functional project coordination / management
· Proven experience is providing creative and copy direction, working with vague problems and creating solves to meet targets and deadlines
What you will be doing: Key Tasks and Accountabilities
· Delivery of marketing campaign objectives.
· Product Design channel implementation
· Integrated marketing
· Operational responsibilities
· Key point of contact and operational responsibility for branch and mobile marketing efforts
Conditions of employment
- Clear criminal and credit record
- Willingness to travel nationally on a regular basis.
- Clear criminal and credit record
If you are interested in being part of this dynamic team, on a mission to build the best bank in the world through unlocking the potential of its people, please apply. We would love to hear from you!
Capitec is committed to diversity and, where feasible, all appointments will support the achievement of our employment equity goals.
Finance, Quants & Actuarial Talent Pool (Stellenbosch OR Sandton)
Location: Stellenbosch, Western Cape, ZA
Company: Capitec Bank Ltd
Join Us in Becoming the Best Banking Group in the World!!
We appoint energized and motivated people for their potential and continuously look for talented, driven individuals to help us innovate and evolve. That is why we focus on finding the right people for the right jobs. We love what we do because we focus on making a positive difference for our clients and employees. Our company DNA is built around talented and committed teams dedicated to build a brand that we are proud of and earns the trust of our clients.
About the Finance Department
Our Financial Management team is at the heart of Capitec’s strategic goals, driving financial excellence, innovation, and long-term business growth. We are transforming into a highly strategic, tech-driven function, leveraging AI, data analytics, and automation to stay ahead of industry trends and continuously improve our financial processes. The role of finance professionals at Capitec is evolving from transactional tasks to more strategic and advisory responsibilities, focusing on real-time insights, integrated systems, and data-driven decision-making, all while emphasizing sustainability and risk management.
Why Join the Financial Management Talent Pool?
By joining our talent pool, you are becoming part of an exclusive group of individuals identified for your skills, drive, and potential. You will have early access to future career opportunities within our finance team and be considered for roles as they arise. This is an exciting chance to connect, grow, and build your career with Capitec—long before a role is formally posted.
You will contribute to shaping the future of Capitec and play a key role in driving innovation and agility across various aspects, such as:
- Client-Centric Vision, ensuring that we deliver exceptional financial services to meet the evolving needs of our clients.
- Embracing Industry Trends by leveraging cutting-edge technology and automation to enhance efficiency.
- Continuous Improvement through upskilling and optimizing processes for better outcomes.
What we’re looking for:
We are proactively seeking talent with 4 or more years of experience and a strong foundation in one or more of the following key areas:
- CA (SA) (Qualified or Eligible to Register)
- Postgraduate qualification in Mathematical Sciences: Statistics / Financial Risk Management / Quantitative Risk Management / Actuarial Science / Operations Research
- CIMA (Qualified or Eligible to Register)
- Familiarity with financial software and systems such as SQL, Excel, SAS, Python, or R
What You’ll Do in the Financial Management Team:
- Collaborate with cross-functional teams to drive financial strategies and initiatives.
- Provide expert financial analysis and insights to support decision-making.
- Contribute to the development and implementation of financial plans and budgets.
- Ensure compliance with financial regulations and standards.
Why Choose Capitec?
We are a bank, but we’re much more than that. We believe that banking is about enabling people to control their financial lives through banking that is simplified, accessible, affordable, and delivered through personal experience. By helping our clients manage their financial lives better, we enable them to live better. With a focus on innovation, growth, and internal mobility, we strive to offer you a career with endless possibilities for personal and professional growth.
If you’re ready to shape the future of finance with Capitec, join our talent pool and be a part of something special. We’re excited to connect with you!
Disclaimer: This is an ongoing talent pool. By applying, you are expressing interest in joining Capitec’s Financial Management team and will be considered for current or future opportunities as they arise. We will contact you when relevant roles open up and encourage you to stay connected for exciting possibilities!
Capitec is committed to diversity and, where feasible, all appointments will support the achievement of our employment equity goals.
Credit Intelligence Analyst II
Location: Stellenbosch, Western Cape, ZA
Company: Capitec Bank Ltd
Apply by:
We’re on the lookout for energetic, self-motivated individuals who share our passion for service in the banking industry. To be part of the journey, follow the steps below:
1. To see what life at Capitec is all about and complete a short assessment, please click here!
2. Once you have completed the above finalize your application by clicking apply below.
Purpose Statement
Join Capitec Bank in Stellenbosch as a Credit Intelligence Analyst and be part of an innovative team dedicated to revolutionizing the banking industry. This role offers a unique opportunity to leverage your analytical skills in credit risk management, helping us deliver smarter financial solutions to our clients.
- 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.
- Addressing business problems relative to the credit intelligence workstream.
- Building and maintaining new statistical models to inform credit intelligence decision-making.
- Evaluate reporting and operations to see where they can improve in terms of productivity, efficiency and profitability.
- Providing guidance and technical oversight to junior team members.
- Create and implement precise management plans for every project, with attention to transparent communication at all levels.
Experience
Minimum:
4 – 6 years’ experience in retail credit analysis (including familiarity in various programming languages, such as SQL / SAS / R / Python, descriptive and diagnostic analytics, statistical modelling, and data visualization).
· High proficiency with SQL, AWS, Azure, PowerBI and database management
· In case of Honours degree: 3 – 5 years’ experience in retail credit analysis (including SQL programming and descriptive analytics).
· Credit intelligence performance and optimizatio
Ideal:
- Experience in credit recoveries, external debt collections, debt review environment, FMCG retail.
- Proven ability to manage projects and PoC testing.
- Extensive experience with data visualization
- High proficiency in technical writing
- Experience with Capitec banking systems
- Experience in assuming a leadership role during a project.
- Portfolio-specific experience.
Qualifications (Minimum)
- Bachelor’s Degree in Finance or Statistics
Qualifications (Ideal or Preferred)
- A relevant post graduate degree in Finance or Statistics
Knowledge
N/A
Skills
- Communications Skills
- Leadership Skills
- Presentation Skills
- Reporting Skills
Conditions of Employment
- Clear criminal and credit record
Capitec is committed to diversity, applications to this position will strictly be considered in support of our employment equity goals.
Team Leader: Credit Intelligence Analysis
Location: Stellenbosch, Western Cape, ZA
Company: Capitec Bank Ltd
Apply by:
We’re on the lookout for energetic, self-motivated individuals who share our passion for service in the banking industry. To be part of the journey, follow the steps below:
1. To see what life at Capitec is all about and complete a short assessment, please click here!
2. Once you have completed the above finalize your application by clicking apply below.
Purpose Statement
Optimise credit performance and minimise risk through:
- Managing and overseeing a team responsible for developing, implementing and optimising credit intelligence policies / solutions / processes / strategies across more than one workstreams.
- Ensure the quality delivery of advanced statistical insights and application thereof to influence credit decision making.
Experience
Min:
- 6 – 8 years’ experience in retail credit (including advanced analytics, statistical modelling, as well as policy and process enhancement).
- In case of Honours degree: 5 – 7 years’ experience in retail credit analysis (including SQL programming and descriptive analytics).
- Minimum of 3 years Portfolio specific experience.
- Experience working with / contributing towards credit principles, policies, frameworks.
Ideal:
- Capitec Bank experience
Qualifications (Minimum)
- Bachelor’s Degree in Finance or Statistics
Qualifications (Ideal or Preferred)
- A relevant post-graduate qualification in Finance or Statistics
Knowledge
NA
Skills
- Communications Skills
- Influencing Skills
- Leadership Skills
- Planning, organising and coordination skills
- Presentation Skills
- Project Management Skills (Methodolgy Specific)
- Reporting Skills
- Researching skills
Conditions of Employment
- Clear criminal and credit record
Capitec is committed to diversity, applications to this position will strictly be considered in support of our employment equity goals.
Decision Scientist II
Location: Stellenbosch, Western Cape, ZA
Company: Capitec Bank Ltd
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
Additional Information
- Clear criminal and credit record
Credit Intelligence Analyst I
Location: Stellenbosch, Western Cape, ZA
Company: Capitec Bank Ltd
Apply by:
We’re on the lookout for energetic, self-motivated individuals who share our passion for service in the banking industry. To be part of the journey, follow the steps below:
1. To see what life at Capitec is all about and complete a short assessment, please click here!
2. Once you have completed the above finalize your application by clicking apply below.
Purpose Statement
To optimise credit intelligence performance, and minimise credit risk through:
- Independently conducting complex quantitative data analysis and delivering analytical output that will enable insights and inform business decision making.
- Proposing and executing solutions based on analytical outputs.
- Proposing and working with senior team members to build new statistical models informing credit decisions.
Experience
Minimum:
- 2-4 years’ experience in retail credit analysis (including SQL programming, diagnostic analytics, statistical modelling and data visualisation).
- In case of Honours degree: 1 – 3 years’ experience in retail credit analysis (including SQL programming and descriptive analytics).
Ideal:
- Portfolio specific experience
- Capitec Bank experience
Qualifications (Minimum)
- Bachelor’s Degree in Finance or Statistics
Qualifications (Ideal or Preferred)
- A relevant post-graduate qualification in Finance or Statistics
Knowledge
N/A
Skills
- Communications Skills
- Presentation Skills
- Reporting Skills
Conditions of Employment
- Clear criminal and credit record
Capitec is committed to diversity, applications to this position will strictly be considered in support of our employment equity goals.
Manager: Credit Sales Forecasting
Location: Stellenbosch, Western Cape, ZA
Company: Capitec Bank Ltd
Apply by:
We’re on the lookout for energetic, self-motivated individuals who share our passion for service in the banking industry. To be part of the journey, follow the steps below:
1. To see what life at Capitec is all about and complete a short assessment, please click here!
2. Once you have completed the above finalize your application by clicking apply below
Purpose Statement
We are seeking a highly skilled and analytical Sales Forecasting & Reporting Manager to lead a team responsible for financial sales forecasting and reporting. This role plays a key part in setting sales targets for branches and digital teams by leveraging data modelling techniques to project future sales and providing accurate reports on realized sales performance.
The manager will oversee two teams:
- Forecasting Team – Uses data modelling techniques to develop annual sales forecasts, which are updated monthly in a rolling forecast process.
- Reporting Team – Analyses and reports actual realized sales, ensuring accuracy and alignment with financial expectations.
Experience
Minimum:
- 5+ years of experience in sales forecasting, financial planning, or data analytics in the banking or financial services sector.
- Strong proficiency in data modeling, forecasting techniques, and financial reporting.
- Experience with forecasting tools (e.g., Python, R, Excel, Power BI, SAS) and financial planning systems.
- Excellent leadership, analytical, and communication skills.
- Ability to work cross-functionally and influence decision-making at all levels.
Qualifications (Minimum)
- Grade 12 National Certificate / Vocational in Grade 12 National Certificate
- A relevant post-graduate qualification in Accounting – Financial Accounting or Finance
Qualifications (Ideal or Preferred)
- A Relevant Professional Qualification in Accounting – Financial Accounting
Knowledge
Minimum:
- Database querying software (ex. SQL)
- Statistical software (ex. SAS, R, Python)
- Predictive analytics in the context of articulating business requirements
- Building and developing effective teams
- Business Analytics
- Project management principles and methodologies (able to maintain continuity on multiple projects, time management, planning and organisational skills)
Ideal:
- Understanding of accounting, budgeting, costing, pricing and provisioning principles as applied in a bank
- Income statement and balance sheet accounting transactions of a bank
- Financial systems & procedures
- Regulations pertaining to credit management
- Credit management systems
- Unsecured credit, including credit facilities and credit cards
- General understanding of the Banks Act Capital Regulations, National Credit Act and the implication for Capitec business and the Credit Bureau
- Strong credit industry knowledge
- Business analysis experience on a banking system
- Analytical experience on credit portfolio
- Bank governance experience (ALCO, Riskco, Credit Committee, etc)
Skills
- Communications Skills
- Networking
- Computer Literacy (MS Word, MS Excel, MS Outlook)
- Presentation Skills
- Facilitation Skills
Conditions of Employment
- Clear criminal and credit record
Capitec is committed to diversity and, where feasible, all appointments will support the achievement of our employment equity goals.
We wish you all the best with your applications
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