About the role


Are you a data visionary who loves turning complexity into clarity? At Capitec Business Bank, we’re building the bank of the future – and that means rethinking how we enable data at scale to power decisions, AI, and client experiences. As our Lead Data Architect, you’ll help shape the blueprint that empowers our teams to self-serve, innovate, and move faster – all while... keeping things lean, scalable, and trusted. If you thrive on cutting through the noise to build elegant, future-fit data ecosystems, this is your chance to lead with purpose and help us make banking simpler for millions


Minimum Experience


Bachelor’s or master’s degree in computer science, Engineering, Information Systems, Mathematics, Physics or related field.
Certifications in cloud (e.g., AWS Certified Data Analytics, AWS Certified Data Engineer, Solutions Architect), data architecture (e.g., DAMA CDMP), or TOGAF.
Understanding of AI/ML model lifecycle and its data architecture implications


You will need at least 7 years experience in the following:


Enterprise Data Strategy: Define and evolve the data architecture strategy aligned to business and AI goals (e.g., data mesh, data fabric, or data platform architecture).
Architecture Governance: Establish and enforce data standards, design patterns, and best practices for data platforms, pipelines, and models.
Solution Architecture: Design and review end-to-end data solutions across domains including operational data stores, data lakes, data warehouses, semantic layers, and feature stores.
Cloud Enablement: Architect scalable, secure, and cost-effective cloud-native or hybrid data platforms (AWS preferably or alternatively other cloud platforms).
Data Modelling: Lead enterprise-wide modelling standards – including conceptual, logical, and physical data models; support semantic modelling for self-service.
Team & Stakeholder Leadership: Mentor data engineers and architects, collaborate with cross-functional teams (AI, Analytics, product, engineering, risk, compliance), and influence data leadership forums.
Innovation & Evaluation: Assess and recommend new tools, technologies, and frameworks (e.g., Lakehouse, knowledge graphs, event-driven architecture).
Security & Compliance: Ensure data architecture adheres to governance, regulatory, privacy (e.g., POPIA, GDPR), and cybersecurity standards.


Knowledge

Minimum:

Must have detailed knowledge of:


Data Warehouse Development Life Cycle
Dimensional modelling
Financial systems and procedures
UML or equivalent modelling language
Technical Test Plan Design
IT systems development processes
Application development
Standards and governance
AI/ML Modeling Infrastructure and feature store development


Ideal:

Detailed knowledge of:


Banking systems environment
Banking business model
Agile development life cycle
Best practices for Quality Assurance (QA)


Conditions of Employment


Clear criminal and credit record more

About this role:


As a Senior Data Scientist at Capitec, your purpose is to drive the Capitec’s AI strategy, with the unique opportunity to shape and own this vision from the ground up. This involves leveraging advanced, practical knowledge of state-of-the-art machine learning principles and techniques—including deep learning, natural language processing (NLP), and reinforcement learning—to... develop innovative models and solve complex business challenges. You will be responsible for designing, implementing, and optimising predictive models and intelligent algorithms to uncover actionable insights that drive strategic decision-making across departments.
The role also includes the full machine learning lifecycle, from data preprocessing and experimental design to production-level model deployment. As a Senior Data Scientist, you will gather requirements and manage stakeholder engagement across the business, including executive-level management. Additionally, you will bring expertise in deep learning frameworks such as TensorFlow and PyTorch, while mentoring junior data scientists to foster a collaborative and growth-oriented team environment.


Our ideal candidate has:


6+ years of experience in a Senior Data Science role
Master’s degree or higher in any of the following field statistics, mathematics, computer science, physics  
Hands on experience deploying AI/ML solutions in real-world applications
Experience with advanced data science principles including NLP, deep learning, reinforcement learning, or time-series modeling.
Python/R experience and relation/Non-relational databases.
Familiarity with modern deep learning frameworks (Pytorch, Tensorflow)
Stakeholder engagement management up to executive management.
Github experience or Git
Ideal:
AWS/Azure/GCP
Competencies:
Strategic thinking
Leadership ability
Problem solving skills
Decision making skills
Researching skills
Project Management skills
Planning, organising and coordination skills


Education:


Completed a master’s degree or higher more

About The Role


The Business Intelligence Analyst role is designed to create value for the product line by addressing client and business challenges through data analysis. This position involves leveraging data and analytical skills to generate insights that enable senior decision-makers to make informed decisions more quickly. 


Our Ideal Candidate


At least 7 years of experience in... a similar role.
Experience and knowledge of the ETL (extraction, transform, load) data flow
Experience in identifying, quantifying, and subsequently delivering value on how to solve business challenges using data
Experience in working with data on cloud platforms, such as AWS or Microsoft Azure
Experience in building data visualizations using tools such as Power BI
Experience with stakeholder engagement
Experience in data quality and incident management
Understanding of agile project management and experience with tools such as Jira


Skills


Commercial Thinking Skills
Facilitation Skills
Numerical Reasoning skills
Presentation Skills
Problem solving skills
Conditions of Employment
Clear criminal record
Clear credit record more

What You’ll Do


Lead the development of Capitec’s Salesforce practice, including architecture, engineering, support, and delivery. 
Drive technical and architectural discussions, ensuring hands-on involvement in engineering tasks. 
Influence the strategic direction of domain architecture. 
Develop and maintain architectural components aligned with SDLC principles. 
Collaborate across... engineering, architecture, and delivery teams.


What We Are Looking For

 8+ years of software development experience, including: 


Hands-on Salesforce Architect, with deep expertise across Sales Cloud, Service Cloud, and custom Salesforce development. 
Proven experience in designing enterprise-grade Salesforce solutions - scalable, secure, and aligned with agile delivery practices. 
Strong background in software engineering and systems architecture. 
Strong software engineering skills are a valuable asset. A background in development prior to working with Salesforce - especially experience with Java, Java Spring, or JavaScript is highly desirable.
Deep understanding of Salesforce best practices, architecture patterns, and limits - including data modeling, sharing and visibility models, and performance optimization.
Expertise in integrating Salesforce with external systems (REST/SOAP APIs, middleware, event-driven architectures, etc.). 
Strong knowledge of DevOps within Salesforce:   CI/CD pipelines, version control, automated testing, and release management tools like Github or Salesforce DevOps Center.
Skilled at balancing hands-on solutioning with high-level architectural leadership.
Excellent stakeholder management - able to engage and influence both technical and non-technical audiences.
Familiarity with security, compliance, and data governance within Salesforce.
Experience with multi-cloud environments or enterprise-level Salesforce implementations is highly desirable.
Salesforce certifications preferred (e.g., Salesforce Certified Technical Architect (CTA), Application Architect, System Architect, or relevant specializations). more

About the Role


As a Test Automation Engineer in the Payments team, you’ll play a key role in ensuring quality and stability in one of Capitec’s most business-critical areas. You’ll contribute to delivering secure, reliable payment systems by designing and implementing both manual and automated test scenarios throughout the SDLC.
You’ll be joining a dynamic team that values collaboration,... initiative, and continuous improvement. While manual testing still forms part of the process, your automation expertise will help move the team forward on its test maturity journey. The ideal candidate is someone who thrives in evolving environments and is passionate about embedding quality across all layers of the software lifecycle.


Our Ideal candidate has:


A completed qualification in software testing (ISTQB Foundation preferred)
3–5 years’ experience in automation testing (framework design, scripting, execution)
Proficiency with tools such as Playwright, Selenium, BrowserStack, Postman, and CI/CD tools like Jenkins or GitLab Solid understanding of the full SDLC, integration/regression testing, and test case design
Exposure to API, performance, or security testing
Experience with Agile methodologies (Scrum/Kanban) and cloud platforms (AWS/Azure)
Strong attention to detail, problem-solving ability, and a quality-first mindset
A collaborative spirit and the ability to thrive in a fast-paced, ever-changing environment


Education (Ideal or Preferred)


Software Testing - Foundation Level through the International Software Testing Qualification Board (ISTQB)


Additional Information


Clear criminal and credit record more

Purpose Statement


To build, maintain and optimise effective client relationships by providing excellent client service through engagement and consultation with existing clients. 
To contribute to the overall profitability of Business Bank by promoting and selling Business Bank and merchant products to new and existing clients.


Experience


At least 2-3 yrs. proven experience in a... CRM environment with responsibility for, or exposure to cross and upselling.
Proven experience in identifying sales or business opportunities and/or customer needs and providing solutions for these.  
Experience in a FMCG, banking or retail environment


Qualifications (Minimum)


Grade 12 National Certificate / Vocational


Qualifications (Ideal or Preferred)


Bachelor's Degree in Commerce or Marketing


Knowledge

Minimum:


Commercial, economic, SME landscape
Sales and sales optimisation techniques & principles
Commercial/business know how (how businesses work.)
Client relationship management principles
Engagement/conflict management practices
Performance culture


Ideal:

Knowledge and understanding of:


Business banking landscape, product knowledge
Payment solutions environment (merchant services)
POS Solutions
Capitec Bank Acquiring product knowledge


Skills


Influencing Skills
Planning, organising and coordination skills
Commercial Thinking Skills
Communications Skills
Interpersonal & Relationship management Skills more

Purpose Statement

To contribute towards minimising bad debt, enhancing profit and mitigating and controlling risk for Capitec Business Bank (CBB) and Capitec Rental Finance (CRF) through:


Analysing, monitoring, and reporting on the book segmentation, tactical strategies, campaigns (calls/digital) and solutions for pre-delinquent, collections and recoveries.
Analysing, monitoring and... reporting on book trends (for example, reasons/triggers for arrears, excess, risk grade changes, downgrades, write-offs and provisions).
Identifying, analysing and monitoring high risk portfolios, clients, book segments and industries in distress.
Contributing to researching, analysing, designing, implementing and monitoring optimal risk management solutions, in relation to systems, processes, policies and procedures.
Performing case study and root cause analysis on pre-delinquent, arrears and/or non-performing loans.  
Performing arrears follow up, monitoring and control as required.


Experience

Minimum:


2 – 3 years within a collections and/or recoveries, an ongoing-risk or credit management or operational experience  
Applying data for reporting and monitoring purposes.
Credit and business analysis experience and influencing processes, policies and procedures.  
Case study and root cause analysis 
Consumer and complaint resolutions.


Ideal:


3+ years of experience in an ongoing risk management role, in a credit environment.
Drafting business processes, policies and procedures
Project coordination and building strong relationships 
Process efficiencies: Draft of idea documents and business specifications.
Credit book monitoring and reporting   
Experience in granting, collections and/or recoveries and/or intuitive / judgemental credit environment within the financial services sector.


Qualifications (Minimum)


Higher Certificate in Credit Management or Banking


Qualifications (Ideal or Preferred)


National Diploma in Accounting - Financial Accounting or Banking


Knowledge

Minimum:


Good understanding of credit and corporate legislation and processes.
Banking and financial services industry practice.
Collections and recoveries systems and processes 
Operations and process management.
National Credit Act (NCA)
Retail and/or Business credit products (Fixed term and facilities) 
Collections and/or recoveries systems and processes 
Reporting and data analytics.


Ideal:


Credit risk management throughout the credit life cycle (granting to book sale)
Collateral variants / types of processes.
Protection of Personal Information Act (POPI)
Debt Collectors Act (DCA) 
Capitec Bank’s Credit Policies
Capitec Bank's banking system (Front- and Back-End)
Programming language SQL and database structures
Knowledge of Capitec Bank’s Centralised Collections systems and processes 
Relationship building and management techniques.


Skills


Analytical Skills
Attention to Detail
Computer Literacy (MS Word, MS Excel, MS Outlook)
Numerical Reasoning skills
Problem solving skills more

Purpose Statement


To identify and address the legal, practical and commercial risks and requirements in lease agreements for branches and Campus buildings


Experience

Minimum:


At least 1-3 years’ experience in a legal environment in retail or property as a qualified attorney.
Negotiation of contractual terms  


Ideal:


Similar experience in leasing within a property... and / or project management environment  


Qualifications (Minimum)


Bachelor's Degree in Law


Qualifications (Ideal or Preferred)


Masters Degree in Law


Knowledge

Minimum:


Law of Contracts, specifically lease agreements  
Commercial know how (business acumen, how organisations work)


Ideal:


Retail leasing knowledge 


Skills


Attention to Detail
Communications Skills
Computer Literacy (MS Word, MS Excel, MS Outlook)
Interpersonal & Relationship management Skills
Negotiation skills


Conditions of Employment


Clear criminal and credit record
A valid driver's license and own vehicle is required more

Purpose Statement


To develop and coordinate risk management programs and frameworks, providing subject matter expertise to ensure high-quality risk management outcomes. 
To identify, analyse, and measure risks, making accurate risk mitigation recommendations to protect the organisation against potential losses.


Experience


6yrs+ experience as a Risk Specialist in a large... organisational unit preferably in a financial institution or bank
As a Risk Specialist you will have experience in the following:
Banking regulations, capital markets, technology risks and public policy.
Proven experience of using influence and relationships to drive and achieve objectives.
Experience of strategically consulting with stakeholders across a large organisation.
Ability to apply risk expertise to creative and effective applications.
Regulatory liaison and engagements.


Qualifications (Minimum)


A relevant qualification in Risk and Compliance or Law


Knowledge


Expert understanding of Risk Management with the ability to apply Risk expertise effectively across the organisation when consulting with stakeholders.
Knowledge and experience of Risk life cycle/value chain.
Expert knowledge of Risk best practice and regulatory frameworks/requirements.
Commercial, business and financial principles and practices.
Business knowledge, governance and Risk principles.
Business products, processes, policies and systems.
Quality principles and practice.
Internal risk metrics and approaches.
In-depth knowledge of Corporate Governance Frameworks.


Skills


Analytical Skills
Commercial Thinking Skills
Decision making skills
Interpersonal & Relationship management Skills
Problem solving skills
Reporting Skills
Strategic Thinking Skills more

Purpose Statement


To manage the 24 hour Call Centre to ensure that a high quality service is provided to clients by a highly skilled and trained team of Call Centre Agents operating within an efficient environment according to approved, up to date, well documented processes and procedures.


Experience

Minimum:


2-3 years Call Centre experience with leadership or oversight... experience
2 years Banking experience
Banking products relating to all types of accounts, credit card and electronic banking products.
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
Banking and legislative requirements
Computer literacy: Call Centre system & reporting


Qualifications (Minimum)


Grade 12 National Certificate / Vocational


Qualifications (Ideal or Preferred)


Bachelor's Degree in Commerce or Psychology


Skills


Communications Skills
Computer Literacy (MS Word, MS Excel, MS Outlook)
Planning, organising and coordination skills
Leadership Skills
Interpersonal & Relationship management Skills more