Latest Job Opportunities at Capitec Bank

About the role

• The purpose of the Risk Specialist role is to develop and coordinate risk management programs and frameworks. This involves providing subject matter expertise to ensure effective risk management outcomes. The role focuses on identifying, analyzing, and measuring risks, and making precise risk mitigation recommendations to safeguard the organization against potential losses.

What you will bring

• Minimum 3-5 years’ experience in risk management for an insurer
• Analysing complex issues
• Ability to apply risk expertise in commercial environment
• Exposure to Corporate Governance Frameworks

You should have

• Knowledge about the Prudential Standards – Governance and Operational Standards for Insurers (GOIs) and Financial Soundness Standards for Insurers (FSIs)
• Awareness of the requirements in insurance related regulations e.g. Insurance Act, Long Term Insurance Act (LTIA), Short Term Insurance Act (STIA), Policyholder Protection Rules (PPRs) and other relevant regulations

Ideally you should have

• 5+ years’ experience in risk management for an insurer
• Contributing to ORSA exercises
• Regulatory interactions, including the Prudential Authority and Financial Sector Conduct Authority
• Knowledge of RDARR requirements
• In-depth knowledge of the Prudential Standards (GOIs and FSIs) and various insurance related regulations
• Risk metrics and approaches used in the risk management of insurance companies
• In-depth knowledge of the South African Insurance Industry
• Knowledge about IFRS 17 will be desirable

Qualifications (Minimum)

• A relevant qualification in Risk and Compliance or Actuarial Science

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Purpose Statement

• To enhance the lives of our clients by providing excellent client service, fulfilling and exceeding the client’s needs, by using the Global One product offering in order to support our clients to Bank Better and Live Better  

Experience

Minimum:

• 3 to 6 months previous client service experience within a retail/ financial/ banking environment OR if no experience, a candidate with a relevant tertiary qualification can be considered"

Ideal:

• More than 1 year’s client service experience within a retail/ financial/ banking environment
• Demonstrated track record of engaging in a sales and client facing environment 

Qualifications (Minimum)

• Grade 12 National Certificate / Vocational

Qualifications (Ideal or Preferred)

• A relevant tertiary qualification in Commerce or Similar
• Certification in Finance or Banking

Knowledge

Minimum:

Knowledge and understanding of:

• Basic calculations
• Retail/consumer service environment

Ideal:

Knowledge and understanding of:

• Capitec Bank Products
• Internal business processes and procedures
• Organisational Policies, including (but not limited to) the Branch Credit Granting Policy principles (BCGP)

Skills

• Communications Skills
• Interpersonal & Relationship management Skills
• Computer Literacy (MS Word, MS Excel, MS Outlook)

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Purpose Statement

• To welcome clients and coordinate the branch flow through efficient queue functioning, providing excellent client service and assisting clients at the ATM and to complete transactions on any remote or self-service channels. In doing so, gain the knowledge, skills and experience required for service consulting. 

Experience

Minimum:

• No experience required but individual needs to hold a Grade 12 National Certificate

Ideal:

• Some client service experience within a retail/ financial/ banking environment

Qualifications (Minimum)

• Grade 12 National Certificate / Vocational

Qualifications (Ideal or Preferred)

Knowledge

Minimum:

• Basic calculations 
• How to engage with people
• Clarity and understanding of own aspirations, being ambitious and keen to learn.

Ideal:

• Knowledge of bank branch environments
• Knowledge of Capitec Bank products and business processes (internal)

Skills

• Communications Skills
• Computer Literacy (MS Word, MS Excel, MS Outlook)
• Interpersonal & Relationship management Skills

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Purpose Statement

• To lead the team to ensure an efficient and streamlined service support unit in relation to the account maintenance focusing on sustainable value, optimal productivity and end-to-end customer satisfaction.

Experience

• 5 years’ experience in a banking environment with some leadership or management experience
• Leading or providing oversight of a process/detail/administrative team in a regulated environment
• In an environment which required validating work 
• Stakeholder engagement

  Ideal:

• 2 – 3 years team leader/ supervisory experience
• In an environment where FIC regulations are imperatives

Qualifications (Minimum)

• Grade 12 National Certificate / Vocational

Qualifications (Ideal or Preferred)

• Bachelor's Degree in Finance

Knowledge

• Financial systems & procedures
• People management practices and principles
• Business acumen
• Stakeholder engagement
• Banking/ Financial Services landscape and products
• Customer service principles and practice
• Business communication and presenting of information
• Delegation and conflict management

Ideal:

• Capitec Bank environment and products
• Rules relating to Bankserv, PCH, SARB and all legislative requirements
• Computer literacy: MS Office Suite (intermediate), Call Centre system & reporting, BaNCS, Debit Card (Postilian), Credit Card Prime & On-line systems

Skills

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

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About the role

• Your key focus areas will be to ensure that Capitec Bank’s strategic objectives i.e., profit, efficiency, processes and procedures are managed and that your team are able to drive these objectives within their portfolios. You will build relationships with a variety of business stakeholders and identify innovative and proactive implementable solutions with your expertise and knowledge within retail credit, compliance legislation, operational finance, and financial assets.

You will be responsible for:

• Leading a team of costing analysts and finance business partners with a primary focus on the retail credit business. The role will also look after a component of fee income (non-credit related income) but the primary focus will be credit.
• A solid understanding of IFRS9 will be advantageous in this role
• Working closely with the provisioning and credit teams to understand the drivers of the retail credit book performance and unpacking thereof
• Reporting measures like return on equity for the credit business and enhancing the understanding thereof 
• Reviewing and understanding the credit-related forecasts and budgets of the retail bank

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Purpose Statement

• To provide a business centre-based Business Banking sales and service function that will retain and grow a portfolio of business clients by identifying and implementing value adding and specialised business banking financial products solutions from a range of standard and/or customized offerings.

Experience

Minimum:

• Banking experience of at least 3 years
• Experience of managing a portfolio of business customers with a service and financial analysis focus.
• Experience in preparing and motivating Credit applications 
• Cost control and sales management 

Ideal:

• 1+ yr spent in the Business Banking environment preparing and motivating credit application

Qualifications (Minimum)

• Diploma in Commerce or Finance

Qualifications (Ideal or Preferred)

• FAIS accredited as Key Individual and approved by FSCA

Knowledge

Minimum:

• Customer relationship management (CRM) principles and techniques
• How to interpret financial statements, balance sheets and basic financial ratios
• Standardized business banking transactional products and other core products relevant to small enterprises
• Business banking product offerings
• Understanding of collateral and balance sheets
• Multiple legal entities (companies, close corporations, sole proprietorships, etc.) in the business banking market and the legislative restrictions & requirements governing these from a financial services perspective
• Companies and Intellectual Properties Registration Act (CPIC) for correct documentation/mandate preparation purposes
• Knowledge of competitors offerings
• Regulations, Acts and Codes related to the banking environment.
• Financial Advisory and Intermediary Services Act (FAIS), the Financial Intelligence Centre Act (FICA) 

Ideal:

• Features, benefits and value propositions of the respective company product/service offerings. 
• Current taxation laws as they apply to customers. 
• A good knowledge of administration processes and procedures pertaining to Business Banking transactions

Skills

• Interpersonal & Relationship management Skills
• Analytical Skills
• Negotiation skills
• Problem solving skills
• Computer Literacy (MS Word, MS Excel, MS Outlook)
• Commercial Thinking Skills
• Strategic Thinking Skills
• Communications Skills
• Influencing Skills
• Attention to Detail
• Decision making skills

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Purpose Statement

• The level III Software Engineer plays an integral part in a cross-functional team dedicated to the full software development lifecycle, from concept, to development to deployment and ultimately operating of each product. At this level, Software Engineers are responsible to design, develop, test, deploy, maintain and enhance complex software systems and applications, considering scalability, performance and future requirements. Responsible to guide and support developers and stakeholders in scoping, progress, status and resolution of engineering problems.
• The Full Stack Software Engineer plays a crucial role in developing and maintaining both front-end and back-end components of web applications and works on all layers of the application stack. They are therefore responsible for applying a holistic approach to building solutions that not only offer optimum performance, reliability, and scale but also create great client experiences.

Education (Minimum)

• Grade 12 National Certificate / Vocational

Education (Ideal or Preferred)

• A relevant tertiary qualification in Information Technology

Knowledge and Experience

Experience:

• 6+ years’ proven experience in both front- and back-end software development, project delivery and implementation (in relevant development technologies/language). Experience with modern front-end and back-end frameworks and technologies

Knowledge: 

Is able to apply expert knowledge and develop others understanding  of the following:

• IT systems development processes (SDLC)
• Application development
• Advanced programming concepts
• Advanced algorithms and data structures
• Design Patterns
• Version Control
• Testing practices
• Database systems and query optimization (e.g., SQL, NoSQL).
• RESTful API design and integration.
• Cloud computing platforms and services (e.g., AWS, Azure).
• Advanced Microservice and event driven architectures

Deployment using kubernetes and containerization

•  Responsive design principles and mobile-first development.
•  Browser compatibility issues and performance optimisation.
•  Front-end build tools and package managers

Skills

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

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Purpose Statement

• To gather, analyse and understand business users’ data and analytics requirements and translate these requirements into analytics best practice technical solutions that meet the relevant business objectives. 
• To produce comprehensive business requirements specifications from business requirements leveraging domain, technical and data knowledge and coordinating collaboration from relevant stakeholders (e.g. own Product Line, Shared Services and other support teams) in the Capitec Data Estate

Education (Minimum)

• A relevant tertiary qualification in Information Systems

Education (Ideal or Preferred)

• Certification in AWS Data Analytics Speciality or AWS Architecture

Knowledge and Experience

Minimum

Knowledge:

• Data Warehousing on an enterprise level
• Cloud data estates (e.g., AWS and Azure)
• Understanding of data protection
• SDLC / DevOps
• Conceptual Data modelling 
• Basic data analysis using SQL (PostgresSQL)
• Understanding of the concepts of data visualisation
• Software Testing and Quality Assurance
• Coaching: principles and practice
• Databases and Database design

Ideal:

• Banking systems environment
• Banking business model
• Agile development life cycle
• Databases and Database design
• AWS Data driven Solutions
• Data Governance and Data Management

Experience

Minimum:

• At least 7 years’ proven experience within information systems, business intelligence or data warehousing environments
• At least 7 years’ proven experience in drafting Business Requirement Specifications/Documents and translating requirements between business and functional stakeholders 
• Experience in Business Analysis using various techniques to describe business needs e.g. conceptual model, ERD, Test Cases, Data Flows, UML models, Data Dictionary, Business processes flows, etc.
• Experience in providing technical coaching to more junior team members as well as leading projects and/or Communities of Practice (COP)
• Able to perform data analysis and determine the impact on broader organisational frameworks and objectives
• Able to identify and classify data exposure risk from the relevant legislation

Ideal:

• Relevant business domain knowledge e.g., credit
• Business Information Business Analysis experience in a finance/banking environment

Skills

• Commercial Thinking Skills
• Facilitation Skills
• Problem solving skills
• Analytical Skills
• Communications Skills

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Purpose Statement

• Co-ordinate, investigate and provide timely feedback on incoming E-Channels related queries received from the Business Support Centre (BSC) and Complaint Management to the requesting party with the guidance of the E-Channels Specialist.
• Log and track E-Channels incidents on Jira.
• Oversee small system and/or operational improvements resulting from user and client queries

Experience

Min:

• 2 - 3 Years proven experience in providing technical support to departments dealing with client queries
• Ideally have understanding and working experience of SQL to look up and correlate databases
• Escalation processing, Isolation and Problem solving
• Report writing
• Provides feedback daily to junior and senior management levels

Qualifications (Minimum)

• Grade 12 National Certificate / Vocational

Qualifications (Ideal or Preferred)

• Certification in SQL Programming
• A relevant tertiary qualification in Information Technology

Knowledge
Min:
Must have working knowledge of:

• IT systems development processes
• Formal report writing
• Trend Analysis
• S-track

Ideal Working knowledge of:

• Mobile Banking App support (USSD, Internet Banking, Banking App on mobile Devices)
• Previous experience working with ELK stack and Kibana, Jira
• SQL, proven experience (basic)

Skills

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