Lead: Internal Auditor

Apply now »

Date: 1 Apr 2026

Location: Sandton, ZA

Company: Capitec Bank Ltd

Why this role exists

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

What you’ll do

  • Lead and deliver end-to-end credit internal audits that provide clear, practical insight into the overall credit risk and control environment. 

  • Assess the quality of credit practices, monitoring practices and controls across governance, origination, fulfilment and collections 

  • Identify root causes of credit weaknesses and recommend improvements that make a real difference 

  • Engage confidently with senior stakeholders, presenting findings clearly and constructively 

  • Provide subject matter guidance to other auditors and help build credit capability in the team 

Our team

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

Ready to make an impact?

If you want to use your credit expertise to 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. 

Why this role is different

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

What we’re looking for

  • 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 report writing 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 of 5 years in a risk-based auditing environment.  

Conditions of Employment

  • Clear criminal and credit record