Team Leader: Data and Analytics

Capitec Bank Ltd.; Stellenbosch; On-site; ZAR 900,000 - 1,200,000; Full time

Job summary

A leading bank in South Africa is seeking a Lead Data Scientist (Retail Credit) to advance high-stakes ML models and manage a team of data scientists. The candidate should have substantial experience in financial services and a master's degree. Responsibilities include improving client exposure models and ensuring robust performance in a fast-paced environment. The role offers growth opportunities within a dynamic team dedicated to uplifting the bank's client service capabilities.

Benefits

Employee benefits

Growth opportunities

Qualifications

• 7+ years building and running high stakes ML models in production.
• Hands-on ownership of batch and real-time scoring.
• Leadership experience of Data Scientists or Machine Learning Engineers.

Responsibilities

• Own and advance client exposure models and batch/real-time scoring.
• Lead and guide a squad of Data Scientists.
• Ensure model accuracy and robustness under load.

Skills

High stakes ML models

Sequence-type deep learning

Python/SQL fluency

Stakeholder management

Education

Master's degree or higher

Tools

AWS (SageMaker, Kubernetes)

Git/GitHub

Job description

Overview

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:

1. To see what life at Capitec is all about and complete a short assessment, please click here!

2. Once you have completed the above finalize your application by clicking apply below.

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 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.

About the role

As a Lead Data Scientist (Retail Credit), your purpose is to own and advance Capitec’s highest materiality client exposure models, the intelligence that identifies salary deposits with near perfect precision and drives credit eligibility and downstream treatments in both batch and real time (branch side) pathways. You\'ll combine deep research with production pragmatism to evolve our sequence-type deep learning neural network models, ensuring they remain accurate, explainable, and robust under heavy load and tight SLAs. You\'ll shape the analytics behind our enterprise “10 minute flow” (3 screen journey), turning complex data into simple, trusted decisions for clients and bankers alike.

The role spans the full ML and Data Science lifecycles and the people leadership required to execute it well. You will lead a squad of Data Scientists, stewarding model design, feature governance, Model Risk Management grade documentation, approvals, deployment, and continuous monitoring. You\'ll partner daily with RCED, delivery teams, and Branch Ops, to keep batch runs and real time scoring healthy, documented, and continually improved. With recent platform migrations, you\'ll guide the team as deployments are detangled from platform engineering and stabilised as services the squad fully owns, freeing focus for pay date intelligence, collections strategies, and a client level view that compounds value over time.

Our ideal candidate has

• 7+ years building and running high stakes ML models in production (financial services or adjacent), with clear impact on credit exposure or client treatment.
• Demonstrable mastery of sequence-type deep learning neural networks; comfortable balancing accuracy, explainability, and control.
• Hands on ownership of batch and real time scoring.
• Fluency in Python/SQL, model packaging and service exposure; experience with AWS (SageMaker, Kubernetes, or equivalent cloud), Git/GitHub, and collaborative documentation (Confluence).
• Proven leadership of 4–5 DS/MLEs, establishing code/review standards, mentoring, and elevating research & engineering practice.
• Stakeholder management across RCED, Delivery, Branch Ops, and governance forums.
• Model Risk Management mindset: rigorous documentation, approval pathways, monitoring and retraining.
• Have the ability to articulate where and why a model is used, what happens if it drifts and what the risk to clients and the Bank are

Ideal

• Experience with pay date models, Next Best Action, or collections; prior exposure to Documents Exchange (multi bank statements) and strategies for timely retraining when external data shifts.
• Strategic thinking
• Leadership ability
• Researching skills
• Planning, organising and coordination skills

Education

• Completed a master’s degree or higher

If you are interested in being part of this dynamic team, on a mission to build the best bank in the world through unlocking the potential of its people, please apply. We would love to hear from you!

Capitec is committed to diversity and, where feasible, all appointments will support the achievement of our employment equity goals

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