Software Engineer: Back-End II

Capitec Bank Ltd.; Stellenbosch; On-site; ZAR 600,000 - 900,000; Full time

Job summary

Capitec Bank Ltd. in Stellenbosch seeks an experienced back-end engineer to design and build robust systems for our credit estimate feature across the website and app.

You will contribute to migrating purpose lending products from legacy to modern platforms and write clean, scalable APIs for current and future engineers. The role emphasizes fast, reliable data models, automated testing, and DevSecOps practices.

Qualifications

• 3+ years’ proven experience in back-end software development and delivery.
• Grade 12 National Certificate and IT qualification.
• Solid experience with back-end frameworks and technologies.

Responsibilities

• Design and build robust back-end systems for the credit estimate feature across website and app.
• Develop and maintain purpose lending products including migration from legacy systems.
• Write clean, reusable code, APIs and libraries for future engineers.
• Optimize database queries and data models for speed and reliability.
• Debug issues from minor fixes to production incidents.
• Champion quality through automated testing and secure coding practices.

Skills

Backend software development

Debugging skills

Leadership instinct

Communication

CI/CD

Security mindset

Education

Grade 12 National Certificate

Information Technology qualification

Tools

C#/.NET Core

AWS

SQL

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:

Build the systems that put money where it matters.

We're growing our Credit Access team and we need someone who can hit the ground running, take ownership of meaningful work and help lift the people around them. A position in the team has recently opened up, and we're looking for a back-end engineer who doesn't need to be told twice. If you're the kind of person who spots a problem, solves it and then documents what you did for the next person we are looking for you.

What you'll do

• Design and build robust back-end systems that support our credit estimate feature across both our website and app
• Develop and maintain purpose lending products across our banking platforms including active migration work from legacy to modern systems
• Write clean, reusable code, APIs and libraries that make life easier for the engineers who come after you
• Optimise database queries and data models to keep things fast, reliable and scalable
• Debug issues across all severity levels from minor fixes to escalated production incidents
• Champion quality through automated testing, CI/CD practices and secure coding standards

The team

You'll be joining our Credit Nexis team a focused group of back-end engineers responsible for the services and features that help clients understand and access credit.
We own the full back-end of our credit estimate journey (website and app) and are the custodians of our purpose lending product suite.

Purpose lending is a product that pays retailers directly on behalf of clients — think home renovation suppliers, not a cash payout. It operates differently from a standard term loan, with its own interest rate structure and integration requirements. Our work sits at the intersection of client experience and financial infrastructure it's meaningful, technically interesting and directly affects how clients interact with their money.

Why this role is different

• You'll work on features that are live, at scale and used by real clients not prototypes or internal tools
• You'll have genuine influence on how we build and evolve our purpose lending stack, including active system migration work
• Our team values autonomy we'll onboard you properly, and then we trust you to runts
• We work in a flat, collaborative environment where initiative is noticed and rewarded our internal promotion rate reflects that

What we're looking for

• 3+ years’ proven experience in back-end software development, project delivery and implementation (in relevant development technologies/language). Experience with back-end frameworks and technologies
• Grade 12 National Certificate
• A relevant tertiary qaulification in Information Technology

Solid back-end engineering experience we work inC#/.NET Core, AWS and SQL

The ability to translate complex business requirements into clean, scalable solutions

Experience withCI/CD pipelines A secure coding mindset — DevSecOps practices are part of how we work

Strong debugging skills you can diagnose and resolve issues independently

Leadership instinct you step up, share knowledge and help others when they're stuckA self-starting attitude after onboarding, you manage your own work

Good communication: you can explain technical decisions to non-technical people

What's in it for you

We don't wear suits. We're passionate people who love what we do, and we work together to achieve a purpose making banking simple and transparent so our clients can live better.

Here's what joining us actually means:

• Real growth: We have a high internal promotion rate. If you're a self-starter who takes initiative, the opportunities here are real not just something we say in job ads.
• Learning environment: We invest in your development and proactively encourage continuous learning. We want you to be the best you can be because that's good for you and good for us.
• Inclusive culture: We welcome diverse thinking and promote a workplace where everyone feels comfortable to speak their mind. Humility, informality and entrepreneurial spirit are baked into how we work.
• Meaningful work: The systems you build will directly affect how clients manage their financial lives that's not a small thing
• Cape Town-based role in a collaborative, high-trust engineering environment

Ready to build something that matters?

If you're a back-end engineer who takes ownership, works well without hand-holding and wants to do technically interesting work that reaches real people we'd like to hear from you.

Additional Information

• 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