Data Analyst II

Capitec Bank Limited; Stellenbosch; Remote; ZAR 350,000 - 650,000; Full time

Job summary

Capitec Bank Limited is seeking an energetic Data Analyst II who can turn complex data into meaningful insights to understand and optimise credit portfolio performance.

This hands-on role requires comfort with large datasets, complex SQL, and translating findings into clear recommendations for business stakeholders. You will build dashboards, monitor portfolio stability and collaborate with cross-functional teams to drive data-driven decisions.

Qualifications

• Experience in data analysis within banking, financial services or credit risk.
• Strong problem-solving skills with ability to translate data into actionable insights.
• Advanced SQL capability with large datasets; ability to optimize queries.

Responsibilities

• Analyse credit and portfolio performance to identify trends and drivers.
• Investigate anomalies in arrears, collections, recoveries and impairments.
• Extract, manipulate and analyse large datasets using SQL.
• Build and maintain dashboards and regular performance reporting.
• Present findings to stakeholders across credit, risk and senior management.

Skills

data analysis

stakeholder engagement

problem solving

communication

curiosity

attention to detail

Education

Bachelor's Degree in Analytical/Data/Technical or Other

Honours Degree in Analytical/Data/Technical or Other

Tools

SQL

Python

R

Power BI

Tableau

Excel VBA

Job description

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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:

The role:

At Capitec, we’re looking for an energetic, curious and self-driven Data Analyst II who can turn complex data into meaningful insights that help us understand and optimise credit portfolio performance.

This is a hands-on analytical role for someone who is comfortable working with large datasets, writing complex SQL, investigating performance trends and translating findings into clear recommendations for business stakeholders.

You’ll work in an environment where priorities can shift quickly, whether because of changes in portfolio performance, impairments, credit strategy or regulatory requirements. We’re therefore looking for someone who can adapt, reprioritise and independently take an analytical question from data extraction through to insight, reporting and recommendation.

What you'll be doing

You'll use data to help the business understand what is happening, why it is happening and what we should do about it.

Your responsibilities will include:

• Analysing credit and portfolio performance to identify trends, risks, opportunities and key drivers of performance.
• Investigating unexpected movements or anomalies across areas such as arrears, collections, recoveries and impairments, and determining their underlying causes.
• Extracting, manipulating and analysing large datasets using advanced SQL.
• Translating complex data into clear, concise and actionable business insights.
• Building and maintaining dashboards and regular performance reporting, including weekly and monthly reporting packs.
• Monitoring portfolio stability and supporting the optimisation of strategies across the credit lifecycle.
• Applying statistical and analytical techniques to solve complex business problems and support predictive and financial analysis.
• Working with cross-functional stakeholders to understand business questions, clarify analytical requirements and provide data-driven recommendations.
• Presenting findings to both technical and non-technical audiences, including stakeholders across credit, risk and senior management.
• Maintaining high standards of data quality, accuracy and consistency, while proactively identifying potential data issues.
• Managing analytical deliverables independently from initial investigation through to final reporting and stakeholder engagement.

What we're looking for

We're looking for someone who combines strong technical capability with curiosity and commercial thinking.

You'll ideally bring:

• Experience in data analysis, with significant exposure to banking, financial services, credit risk or another data-intensive environment.
• Strong problem-solving skills and the ability to investigate real-world portfolio challenges rather than simply report on numbers.
• Advanced SQL capability, including writing complex queries, working with large datasets and optimising query performance.
• Experience with analytical and visualisation tools such as Python, R, Power BI or Tableau.
• Advanced Excel capability, including exposure to macros and VBA.
• Experience producing dashboards, portfolio reporting and recurring management information.
• An understanding of statistical methods, predictive analytics, data modelling and risk analysis within financial services.
• The ability to communicate complex analytical findings in a clear, practical and non-technical manner.
• Strong stakeholder engagement skills and the confidence to challenge, clarify and investigate business questions.
• A high level of curiosity, attention to detail and data-quality awareness.
• The ability to work independently, manage changing priorities and take accountability for deliverables.

Exposure to the credit lifecycle, including originations, collections, recoveries and impairments, would be particularly valuable.

Qualifications (Minimum)

• Bachelor's Degree in Analytical/Data/Technical or Other

Qualifications (Ideal or Preferred)

• Honours Degree in Analytical/Data/Technical or Other

Why this opportunity?

This isn't just about producing reports. It's about using data to influence decisions.

You'll have the opportunity to investigate genuine business and portfolio challenges, identify the drivers behind performance, uncover risks and opportunities, and provide insights that can directly influence credit strategy and business outcomes.

If you're naturally curious, enjoy getting into the detail and can turn millions of rows of data into a clear business story, we'd like to hear from you.

Conditions of Employment

• 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.

Capitec Bank is an authorised financial services provider (FSP 46669) and registered credit provider (NCRCP13). Capitec Bank Limited Reg. No: 1980/003695/06