Jobs at Capitec Bank

About the role

• The role involves providing direction and leadership to IT teams responsible for the entire product lifecycle within Capitec Bank Operations. This includes ensuring the successful delivery of all product features, as well as managing support and maintenance tasks. Additionally, the position entails overseeing efforts to increase efficiency, optimization, innovation, and people development within these environments. We’re on the cutting edge of digital transformation, leveraging state-of-the-art cloud technologies. With no legacy systems holding us back, we’re seeking passionate innovators who thrive on building world-class collections solutions. Ready to make an impact? Let’s shape the future together!

What you will be doing

• You will provide strategic direction and leadership to IT teams responsible for the entire product lifecycle within Capitec Bank Operations. The primary objective is to ensure the successful delivery of all product features, support, and maintenance-related tasks. Additionally, the position involves overseeing initiatives aimed at driving efficiency, optimization, innovation, and personnel development within these environments.

Our ideal candidate has

• Completed a bachelor’s Degree or higher.
• At least 3-5 years of experience in software development management, including leading a technical team.
• Experience in progressive database or software development roles.
• Experience in environments requiring work validation.
• Strong stakeholder relationship engagement and management skills.
• Accountability for delivery in a fast-paced environment.
• Sound business acumen with knowledge of the retail credit and banking industries.
• Experience with budgeting and accounting principles.
• Proficiency in business analysis and design.
• Experience in implementing and maintaining financial and contact centre systems and procedures.
• Knowledge of project management principles and methodologies.
• Understanding of Systems Development Life Cycle (SDLC)

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Qualification

• A relevant tertiary qualification in Business Management or Finance
• Bachelor's Degree in Business Management or Finance
• Communications Skills
• Analytical Skills
• Interpersonal & Relationship management Skills
• Negotiation skills
• Planning, organising and coordination skills
• Clear criminal and credit record
• A valid driver's license and own vehicle is required

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About the role

• Our ideal candidate would have exposure to banking or financial services. In this role you will be required to provide commercial analytical support to business decision makers, through your analysis of financial and non-financial data and identifying opportunities to improve financial outcomes and hold product heads accountable for their cost structures and their return generated thereon. You will also be responsible for establishing and running a fully functional activity-based costing (ABC) models and setting the internal transfer pricing strategy.

What you will bring

• A completed degree in commerce; Management Accounting/Financial Management/Financial Accounting.  Along with exposure to Activity Based Costing, Budgeting, Forecasting and Performance Management, Financial Modelling and Data Manipulation.

What you will be doing

• Drive the utilisation of costing and profitability information throughout the company.
• Support the design, build and maintenance of the cost model

Report/Model:

• Financial & non-financial actuals/forecasts to support decision-making.
• Trend analysis & insights, identify opportunities and measure value shifts.
• Build, maintain improve and automate dashboards to provide “always on, always available” business analytics.
• Competitor/Market analysis and benchmarking, budgeting/variance analysis, and resource optimisation.
• Support the delivery of business insights with a focus on collecting, managing, analysing, visualising data, developing analytical solutions and finding patterns.
• Support in maintaining and continuously improving the Activity Based Cost (ABC) model across multiple dimensions, keeping it relevant and up to date and improving transparency.

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Key Responsibilities

• Architect and oversee the implementation of high-complexity solutions, ensuring alignment with business objectives and client needs.
• Provide technical leadership and guidance to a diverse team fostering an environment of innovation and collaboration.
• Lead high-profile projects, contributing to the strategic direction and technological advancement of the bank.
• Collaborate with the Enterprise Architecture department, contributing to technology research, compliance, and delivery efforts.
• Champion DevOps practices, including automated testing, deployment pipelines, and observability, to enhance efficiency and reliability

Experience

Junior Architect
Min:  

• At least 3 – 5 years’ relevant experience within systems development  
• At least 1 – 2 years’ experience in systems architecture / design
• .NET environment 
• Event driven architecture 
• Domain driven architecture 
• Cloud experience (AWS preferred) 
• Strong Developer background 

Qualifications (Minimum)

• A relevant tertiary qualification in Information Technology
• Grade 12 National Certificate / Vocational

Qualifications (Ideal or Preferred)

• A relevant post graduate degree

Knowledge

Must have detailed knowledge of:

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

Ideal:

• Detailed knowledge of:
• Banking systems
• Agile development life cycle
• Knowledge of UML

Solid understanding of:

• Capitec Bank’s systems environment
• Capitec Bank business model
• Best practices for Quality Assurance (QA)
• Object Orientated Development environment (i.e. Java, Spring Framework, JBoss)

Skills

• Communications Skills
• Interpersonal & Relationship management Skills
• Negotiation skills
• Influencing Skills
• Facilitation Skills
• Presentation Skills
• Analytical Skills
• Problem solving skills
• Commercial Thinking Skills
• Attention to Detail
• Planning, organising and coordination skills
• Project Management Skills (Methodolgy Specific)

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Purpose Statement

To provide specialist expertise and enable proactive and effective risk identification, assessment and management in Operations through:

• Developing and running the implementation of operational risk policies, frameworks and standards 
• Develop risk management practices designed to identify risk exposures at a process level
• Effectively implementing risk assessment practices so that management can be provided with accurate risk information for effective decision-making on internal controls. 
• Collecting risk information and drafting reports to stakeholders on risk exposures. 

Experience

Minimum:

• At least 5 years’ experience in Risk Function
• At least 1 year in an Operational Risk environment
• Proven experience in:
• Risk and control knowledge
• Conducting risk and control self-assessments
• Risk report writing

Ideal:

• +5 years’ experience in Risk Function
• +1 year in an Operational Risk environment
• Experience in a financial services / banking environment would be beneficial

Qualifications (Minimum)

• Bachelor's Degree in Risk and Compliance or Economic and Management Sciences

Qualifications (Ideal or Preferred)

• Honours Degree in Risk and Compliance or Economic and Management Sciences

Knowledge

Minimum:

• Risk and control knowledge
• Basic understanding of key business processes and functions and an understanding of key risks in these areas
• Risk management frameworks (ISO 31000 / COSO / BASEL II & III)
• Principles for sound management of operational risk 
• Risk and Control Self-Assessments
• Report writing

Ideal:

• Basic understanding of banking industry (SARB regulations and banking standards)
• Data and Analytics

Skills

• Communications Skills
• Computer Literacy (MS Word, MS Excel, MS Outlook)
• Decision making skills
• Interpersonal & Relationship management Skills
• Problem solving skills

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About the role

• Guided by the Manager of Forensic Investigations or the Manager of Insurance Fraud Operations, you will investigate various fraud-related risks within Capitec. This includes external fraud, such as credit application fraud for Capitec Bank and policyholder or claims fraud for Capitec Insurance, as well as internal fraud, serious policy and procedure breaches, and criminal syndicates. You will examine each case thoroughly, identify involved parties, and gather evidence suitable for disciplinary hearings and/or criminal proceedings. Additionally, you will pinpoint control weaknesses and recommend preventative measures, improvements, and training initiatives to mitigate potential fraud. Your responsibilities will also include planning and conducting detailed investigations, recovering losses, and providing evidence for disciplinary and criminal proceedings. You will produce detailed internal and external reports, liaise with law enforcement, and maintain financial crime databases. Additionally, you will support real-time fraud-related inquiries, testify in court and disciplinary hearings, and conduct fraud awareness training.

Key Performance Areas

• Investigating fraudulent activities.
• Implementing fraud/theft preventative measures.
• Identification, monitoring and proactive investigation of criminal syndicate activities.
• External and Internal written and verbal reporting and stakeholder management, including to law enforcement bodies, regulatory bodies and industry bodies, as well as to line management and senior management. Enquiries and ad hoc responsibilities.

Our ideal candidate has

• 1-3 years’ experience as a Forensic Investigator/Audit
• A relevant tertiary qualification in Law, Finance or Forensics
• Proven experience as a Forensic Investigator/Auditor in the financial Services Sector
• Knowledge of fraud in the banking and/or insurance industry

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Purpose Statement

• To enable software quality assurance through ownership of the end-to-end testing process by creating a set of activities and scenarios, manual or automated, ensuring that developed software meets and complies with the defined or standardised quality specifications within the Software Development Life Cycle (SDLC).
• To collaborate with the Business Analysts to define test scenarios, and prepare, participate in, and oversee the execution of test cases within a feature team, the validation of functional and non-functional test requirements, the preparation of test data in terms of input and expected outcome data, and required test environments.

Education (Minimum)

• Grade 12 National Certificate / Vocational
• A relevant tertiary qualification in Software Testing or Information Technology

Education (Ideal or Preferred)

• National Diploma in Information Technology

Knowledge and Experience

Minimum:

• Understand the end-to-end processes being tested to achieve successful testing
• Knowledge of Capitec’s Way of Work (WoW) during projects
• Knowledge of and exposure to impact analysis when introducing software changes 
• Understand the full Systems Development Lifecycle (SDLC)
• Understand common software failures and faults
• Understand various software domains
• Understand system or application under test
• Understand variety of testing efforts 
• Best practice / industry standard in software and hardware testing, reporting, tracking and follow up, and Software Quality Assurance (SQA)
• 6+ years’ experience in Quality Assurance (QA) testing within a business context
• Experience in or exposure to coaching and mentoring other test team members

Ideal:

• Experience in continuous delivery environment
• Application of test tools
• Test Automation
• Financial/Banking Systems
• Reinforce with stakeholders/feature team appropriate testing environments and timelines
• Supervise testers and test analysts
• SQL Query/Fundamentals

Skills

• Analytical Skills
• Communications Skills
• Interpersonal & Relationship management Skills
• Problem solving skills
• Numerical Reasoning skills