Product Specialist

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 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.

Purpose of the role

The Product Specialist acts as a strategic bridge between business needs and technology solutions.

The role is designed to:

• Translate business requirements into clear specifications and functional descriptions.
• Collaborate with development teams to ensure accurate handover and implementation of solutions.
• Design and manage test plans to validate that solutions meet business expectations.
• Conduct ongoing research into industry trends and software innovations to critically evaluate new and existing applications.
• Perform impact analysis to understand how changes affect the solution and related systems.Identify risks, issues, and decisions that influence project scope and delivery, applying project management principles like PRINCE2.
• Define MIS/reporting needs to ensure the solution supports data-driven decision-making.
• Ensure compliance with internal and external governance standards.
• Lead teams and manage change, guiding both solution and operational transitions effectively.

Minimum Experience

• Proven experience as a Business Analyst (BA) within a Product Specialist or Product Owner environment
• Minimum of 7 years’ experience as a Business Analyst
• At least 3–5 years' experience in a Product Specialist or Product Owner role
• Extensive experience and understanding of Vehicle and Asset Finance (VAF)
• Strong foundation in project management principles (formal certification is a plus)
• Demonstrated experience in Change Management and driving business transformation initiatives

Qualifications (Minimum)

Knowledge

Min:
Must have detailed knowledge of:

• IT systems development processes. End to End experience of development life cycle
• Application development
• Financial principals
• Business analysis and design
• Banking and IT Standards and governance
• Testing practices and methodology

Ideal:

Detailed knowledge of:

• Agile development life cycle
• SDLC
• PRINCE2
• Change Management
• Banking systems
• Credit Granting/Savings
• Collections Environment
• MIS/BI/Data Warehousing

• Knowledge of UML and business process modelling (BPM) – EA and Visio

Solid understanding of:

• Capitec Bank’s systems environment
• Capitec Bank business model
• Best practices for Quality Assurance (QA)
• Project Management
• Communication Skills and Conflict Management

Conditions of Employment