Capitec - Business Banking Jobs - Vacancies with Collen

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Manager: Provincial Credit

Location: Sandton, GT, ZA

Company: Capitec Bank Ltd

Purpose Statement

To evaluate and manage the credit and associated risks within an allocated portfolio in Business Bank through leading, driving and inspiring a team of Credit and Senior Credit Managers responsible for providing credit support, from origination and assessment, on an Intuitive basis, to ongoing risk management.
To integrate and manage the credit function by ensuring that the quality of credit risks across the regions are aligned to the Bank’s risk appetite, which includes minimising the risk of loss through bad debts, while maximising profits and applying risk-based pricing, where appropriate.
To evaluate, manage and monitor the credit and associated risks within a complex and high value portfolio (in addition to the supervision and management of the provincial portfolios).

Experience

Minimum:

At least 3 years’ experience at Senior Management Level
7 years Credit Management experience, within the Commercial and Business markets
Previous supervisory or leadership experience

Ideal:

3+ years’ experience at Senior Management Level
7+ years Credit Management experience, within the Commercial and Business markets

Qualifications (Minimum)

Bachelor’s Degree in Accounting – Financial Accounting or Credit Management

Qualifications (Ideal or Preferred)

Honours Degree in Accounting – Financial Accounting or Credit Management

Knowledge

Minimum:

Commercial, business and financial principles and practices
People Management
Change Management
Project Management
Governance and risk management principles
Business processes, policies and systems
Application of relevant credit and risk legislation in an organisation (NCA, CPA, Companies Act, Insolvency Act, etc.)
Impact of regulatory bodies (BASA, SARB, SACCRA, NCR, and FIC) on the functioning of an organisation

Skills

Commercial Thinking Skills
Decision making skills
Leadership Skills
Management skills
Problem solving skills

Conditions of Employment

Clear criminal and credit record

DevOps Engineer III

Location: Stellenbosch, Western Cape, ZA

Company: Capitec Bank Ltd

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 can grow.

About The Role

The primary responsibility is to oversee the infrastructure components of the business, particularly focusing on payment processes and merchant solutions. This includes facilitating card-based transactions, ensuring the resilience and scalability of systems, and managing security aspects.

Our Ideal Candidate

At least 4 years of experience in DevOps, with a strong understanding of developmental stacks, pipelines, and infrastructure management.
Proficiency in Kubernetes and familiarity with cloud platforms such as AWS, Google Cloud, or Azure.
Knowledge of security standards and practices to ensure compliance and manage security aspects of the infrastructure
Experience in the financial sector, especially with payment processes or merchant solutions, is advantageous.
Candidate should be self-sufficient, able to communicate effectively, and capable of managing and deploying infrastructure to support various product functionalities.
Experienced in PowerShell, Go, Python, Java
Hands on development experience in relation to automation, APIs, Front End systems.
Design and deployment of highly available, enterprise-scale cloud infrastructure
Experience using the HashiCorp stack (Nomad, Vault, Consul, Terraform)

Minimum Education

Grade 12 National Certificate/Vocational
A relevant qualification in Software Development

Conditions Of Employment

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

Manager: Investigations and Reporting, Business Bank

Location: Sandton, GT, 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 lead and manage the Anti-Money Laundering (AML) Suspicious Activity Investigations and Reporting function by enhancing identification, monitoring, investigation and reporting in accordance with Capitec’s Risk Based Approach as envisaged in the RMCP.
To proactively minimise AML risk and exposure and protect the Bank.
To ensure effective payment monitoring and screening and reporting to the FIC

Experience

Minimum:

At least 6 years’ Suspicious Activity Investigation & Reporting experience within a business banking environment where judgement, decision making and assessment were required
Exposure to Regulatory Reporting of CTRs, CTRAs, STR’s, SAR’s, TPR’s, TFAR or TFTR’s.
Experience of operationally managing a function or department: business planning, managing and leading a team.
At least 1 years’ experience in Correspondent Banking

Ideal:

At least 8 years’ Suspicious Activity Investigation & Reporting experience within a business banking environment where judgement, decision making and assessment were required
At least 2 years’ experience in Regulatory Reporting of CTRs, CTRAs, STR’s, SAR’s, TPR’s, TFAR or TFTR’s.

Qualifications (Minimum)

Bachelor’s Degree in Finance or Financial Risk Manager (FRM)

Qualifications (Ideal or Preferred)

Honours Degree in Financial Risk Manager (FRM)

Knowledge

Minimum:

Comprehensive knowledge of:
- Regulations pertaining to anti-money laundering and combating of terrorist financing
- AML trends, typologies and red-flags
- Automated Transaction Monitoring and payment screening
- Transactional investigations and analysis
- Regulatory reporting and compliance landscape and requirements
- Business and commercial banking
- Cash Transaction Report (CTRs), Cash Threshold Aggregation Report (CTRAs,) Suspicious Transaction Report (STR’s,) Suspicious Activity Reports (SAR’s,) Terrorist Property Reports (TPR’s,) Terrorist Financing Activity Report (TFAR) or Terrorist Financing Transaction Report (TFTR’s)
- People management principles and practices
Knowledge of:
- Risk factors, and preventing and reporting money laundering and related activities in banking and financial services industry.
- KYC requirements, Ongoing and Enhanced Due Diligence investigations, Customer Screening and Adverse Media Management People management principles
- International Funds Transfers, including International Trade based businesses and transactions
- The Swift payments and Correspondent Banking practices
- MS Office suite
- Leadership practices

Ideal:

Knowledge of the Capitec Bank environment

Skills

Analytical Skills
Interpersonal & Relationship management Skills
Management skills
Planning, organising and coordination skills
Decision making skills
Problem solving 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.

Decision Scientist

Location: Sandton, GT, ZA

Company: Capitec Bank Ltd

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 solve business problems, create new products and services and improve processes through using the disciplinces of data science, translating active business data into usable strategic information.
To look at ways of analyzing 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/Machine Learning 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.

Candidate Requirements

Qualifications & Experience:

Degree in Mathematics | Statistics | Data Science | Business Analytics | Engineering | Computer Science Plus 4+yrs relevant work experience. OR
Hons Degree in Mathematics | Statistics | Data Science | Business Analytics | Engineering | Computer Science Plus 3+yrs relevant work experience. OR
Masters Degree in Data Science or relevant discipline e.g. Mathematics, Statistics, Engineering, Computer Science.

Knowledge:

Functional business area (e.g. Credit) environment knowledge and experience
Regulatory requirements e.g. NCR, POPIA, SARB
Business analysis, requirements gathering, translating into business requirement specifications and designing and delivering business solutions.
With modern software development best practices.
Working in cloud environments, e.g. Azure, AWS
Different operating systems / databases / programming language
Predictive modelling techniques (statistical and machine learning) and deployment
Extracting, aggregating, cleaning and analysing data from large relational databases
Data Science lifecycle and applicable skills within

Functional Skills:

Programming; Data base manipulation | Data Exploration Visualisation
Statistical model development
Advanced Computer literacy and programming (Office Suite, Working on different OS environments, e.g. working on remote Linux environment and dockerising machine learning models)
Building and deployment of models
ML language, for example SQL SAS
Version Control
Ability to productionalise and solution design
Ability to learn, understand and apply complex machine learning methodologies
Functional domain skill of the (e.g. credit) environment
Capability to identify and define and solve the business problem i.e. application of domain know how and problem solving.
Cloud computing (navigating on cloud vs on prem.)

Additional Information:

Clear credit and criminal record

Capitec is committed to diversity and, where feasible, all appointments will support the achievement of our employment equity goals.

Lead: Strategy and Governance (Business Collections and Recoveries)

Location: Sandton, 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 contribute towards the enhancement of Collections, Rehabilitation and Recoveries (CRR) governance and strategy through:

Developing and interpreting business strategy and determining innovative solutions that will support strategy implementation.
Identifying areas of business efficiency and design, and working with relevant stakeholders to implement solutions and achieve business excellence
Identifying, enabling and maintaining strategic partnership opportunities with internal and external organisations that will enhance Capitec’s business offering.
Developing, enabling and monitoring CRR governance and advocacy best practice.
Supporting relevant CRR heads and senior management in tasks related to CRR, strategy and governance with focus on work delivery and problem-solving

Experience

MINIMUM:

Minimum of 5 – 7 years’ experience within a financial, legal or retail environment
Proven experience in the development of new business cases/concepts/ideas
Proven experience in building and managing business / partner relationships
Proven experience in converting law into process and/or strategy
Proven experience in interacting/engaging and transferring knowledge effectively, to a wide range of Internal & external stakeholders, up to senior management level

IDEAL

5+ years’ experience in financial services/consulting
2 years post-article experience

Qualifications (Minimum)

Honours Degree in Law or Business Management

Qualifications (Ideal or Preferred)

Masters Degree in Business Administration

Knowledge

MINIMUM:

Understanding of Financial Services products and services
Understanding of banking, credit and data law
Commercial business knowledge
‘Start up’ type techniques and processes
Applying innovative and creative concepts into a practical commercial environment
Business research techniques and models
Strong Excel, Word, PowerPoint and Outlook capabilities
Basic understanding of relevant legislation
Data and analytics

IDEAL:

In-depth industry knowledge, specifically in relation to developments (banking of the future, as well as opportunities directly or indirectly related to banking)
Knowledge of banking and data law

Skills

Interpersonal & Relationship management Skills
Management skills
Problem solving skills
Researching skills
Strategic Thinking 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.

UX Designer III

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!!

Who We Are

About The Role

The UX Designer role involves working on rebuilding the merchant product suite, which includes card machines, a merchant portal for managing finances and staff, and various other products to support small businesses. The designer will collaborate closely with a team that includes other UX designers and technical staff, focusing on integrating these products into various Capitec channels such as the app and business banking application. The role requires end-to-end responsibility, from understanding merchant needs through client interviews and journey mapping to creating and iterating on designs using tools like Figma. The designer will also work with developers to ensure the implementation aligns with the envisioned user experience.

Our Ideal Candidate

A minimum of three to five years of experience in UX design, preferably with a background in startups or innovative companies
Proficiency in Figma and FigJam for design work
Strong understanding of client experiences design processes, including client journey mapping, client interviews, user experience testing, and creating design systems
An innovative and creative approach, with the ability to take control of the product design process from end to end

Minimum Education

Grade 12 National Certificate/Vocational

Skills

Decision making skills
Project Management Skills (Methodolgy Specific)
Communications Skills
Interpersonal & Relationship management Skills
Computer Literacy (MS Word, MS Excel, MS Outlook)

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 goal

Purpose Statement

To apply deep subject matter expertise to influence the development and integration of UX standards into the product development life cycle.
To work independently and assume decision making authority and ownership of the successful end-to-end delivery (development, implementation, evaluation and enhancement) of complex UX solutions, in line with the business, product and UX strategies, as well as brand fundamentals.

Education (Minimum)

A relevant tertiary qualification in Design

Education (Ideal or Preferred)

Bachelor’s Degree in Design

Knowledge and Experience

Experience:

Minimum:

4 – 5 years’ experience in User Experience design.
Strong creative background to support UX methodologies.
Experience in leading projects from beginning to end.
Experience reporting to, presenting and engaging with Product Owners and Heads.
Proven experience in conducting user research, interviews, surveys and usability studies, and translate findings into UX requirements.
Strong experience in translating feature requirements into visual designs across platforms.
Strong usability testing experience.
Proven experience in using UX tools.
Experience in championing design thinking for a wide range of products.

Ideal:

Experience in the financial sector would be advantageous.
Creative background to support UX methodologies would be advantageous.
Experience or background in analytics would be advantageous.
Proficiency in Figma.

Knowledge:

Minimum:

Excellent knowledge of User Experience design, principles, best practises and trends.
Expert knowledge of UX design principles and techniques.
Expert knowledge of design techniques (e.g., prototyping).
Expert understanding of visual elements (layout, type and fonts).
Expert understanding of how best to employ these tools, techniques and principles in designs.
Agile project management principles.

Ideal:

Knowledge of psychology, anthropology, and/or behavioural science (as it pertains to CX/UX principles).
Knowledge of analytics and data.

Skills

Decision making skills
Project Management Skills (Methodolgy Specific)
Communications Skills
Interpersonal & Relationship management Skills
Computer Literacy (MS Word, MS Excel, MS Outlook)

Additional Information

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

Business Analyst III

Location: Sandton, GT, ZA

Company: Capitec Bank Ltd

Join Us in Becoming the Best Bank in the World!!

Who We Are

Why Choose Us

About the role:

The role of the Business Analyst (BA) in this team focuses on performing business analysis with an emphasis on data. This includes optimizing business efficiencies through automation, digital, information, and communications technologies by systematically analysing and defining business requirements and functional specifications. The incumbent will develop and design solutions, ensuring effective implementation and continuous improvement for both business and existing application solutions.

The BA will be responsible for defining business requirements, business rules, and business activities for systems within the credit space of our business banking. They will work closely with a process engineer and a system support analyst, reporting directly to the product manager.

The position offers significant opportunities for growth and the chance to make a substantial impact on the bank’s business banking functions.

Additional Information

Clear criminal and credit record

Manager: Quality Assurance and Governance (Business Credit)

Location: Sandton, GT, ZA

Company: Capitec Bank Ltd

Purpose Statement

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

Experience

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

Qualifications (Minimum)

Grade 12 National Certificate / Vocational

Qualifications (Ideal or Preferred)

Bachelor’s Degree in Finance or Commerce

Knowledge

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

Skills

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

Conditions of Employment

Clear criminal and credit record

Credit Manager (Sandton)

Location: Sandton, GT, ZA

Company: Capitec Bank Ltd

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

Head: Securities Management and Administration

Location: Sandton, GT, 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 provide business critical Securities Management and Administration insights into Business Bank’s Credit strategy and devise a Securities Management and Administration strategy and operating model that will enable and support significant scale and growth objectives for Business Bank Credit, including new industries and markets, wider and deeper expertise in new segments and essential insights required on commercial and contract law.
To be accountable for departmental strategy, business planning and optimal best practice performance through the development and application of frameworks, policies, procedures, standards, goals and metrics in this department which is pivotal to enabling the principle of client experience first for Business Bank whilst approving pay-out and managing risk.
Support the collections and recoveries department with the timeous provision of the correct legal agreements and security documentation and be responsible for enabling the process of securities in case of deceased estates, insolvency and liquidations.

Experience

10yrs+ management experience in a senior role in secured credit environment holding responsibility for leading a large organisational unit.
Experience of successfully revolutionising, transforming large teams and/or senior leadership in a significant transformation project.
Proven experience of using influence and relationships to drive and achieve objectives.
Experience of strategically leading, planning and managing operations in a fast moving and dynamic environment.
Ideally, proven experience of driving operational transformation

Qualifications (Minimum)

Honours Degree in Finance or Accounting – Financial Accounting

Qualifications (Ideal or Preferred)

Masters Degree in Business Administration or Accounting – Financial Accounting

Knowledge

Expert knowledge of finance, credit, commercial law, contract law, and relevant statutory requirements e.g. Companies Act , national Credit Act
Expert financial management knowledge; financial management and accounting principles and standards
Expert credit principles and practices, including an understanding of credit application, securities
Commercial, business, credit and financial principles and practices.
Strategic planning principles and processes
Risk management principles and processes
Project management methods and practices
Relationship building and management techniques
Detailed knowledge of legal entities (companies, close corporations, sole proprietorships etc.) in the Business Banking market and the legislative restrictions and requirements governing these from a financial services perspective
Fundamental IT systems and data analysis