Lead: Internal Auditor

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We are strengthening our Internal Audit capability with creditexpertise. Our credit portfolios continue to grow in scale and complexity, and we need an experienced specialist who can independently challenge creditpractices, assess risk across the full creditlifecycleand help us improve how we manage credit risk across the business.

Lead and deliver end-to-end creditinternalaudits that provide clear, practical insight intotheoverallcredit risk and control environment.

Assess the quality of creditpractices, monitoring practices and controls acrossgovernance,origination,fulfilmentand collections

Identifyroot causes of credit weaknesses and recommend improvements that make a real difference

Engage confidently with senior stakeholders, presenting findings clearly and constructively

Provide subjectmatter guidance to other auditors and help build credit capability in the team

We are part of an Internal Audit function that provides independent assurance across a large and diverse banking environment. Our work spanspersonaland business banking portfolios, covering millions of client accounts and complex credit processes. We work closely with leadership teams to improve governance, riskmanagementand controls, whilemaintainingour independence and objectivity.

If you want to use your creditexpertiseto influence better outcomes at scale, we would love to hear from you. Apply now and help us strengthen how credit risk is managed across our business.

This role gives you real influence. We value strong professional judgement and encourage respectful challenge. You will work on highimpact credit areas, have direct exposure to seniordecisionmakers, and play a key role in shaping how credit risk is assessed and improved. Our culture is open,supportiveand focused on doing the right thing, not ticking boxes.

Solid experience auditing credit risk in a banking or financial services environment

Practical understanding of the full credit lifecycle, from origination to default and recovery

Confidence to challenge credit practices with evidence and sound judgement

Strong reportwriting and communication skills

Experience with data analysis

A relevant tertiary qualification, with a professional audit or accounting qualification being an advantage- e.g., Certified Internal Auditor (CIA) / CA(SA)

Ability to work independently while contributing positively to a collaborative team

Minimum of5years in a risk-based auditing environment.

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