The FinTech Specialist drives innovation in financial services by developing and implementing cutting-edge technology solutions. This role combines financial expertise with technical skills to enhance digital payments, blockchain applications, AI-driven banking, and regulatory technology in South Africa's rapidly evolving financial landscape. Key Responsibilities
1. Digital Financial Solutions Development

• Design and implement mobile payment systems (e.g., QR payments, digital wallets)
• Develop API integrations for banking-as-a-service (BaaS) platforms
• Optimize lending algorithms using alternative credit scoring models

2. Blockchain & Cryptocurrency Implementation

• Build blockchain-based solutions for remittances and smart contracts
• Advise on crypto asset regulations per FSCA guidelines
• Integrate stablecoin payment rails for cross-border transactions

3. AI & Data Analytics in Finance

• Implement machine learning models for fraud detection (AML/CTF)
• Develop chatbots and virtual financial advisors using NLP
• Create predictive analytics for customer behavior and risk assessment

4. Regulatory Technology (RegTech)

• Automate compliance processes for FICA, POPIA, and FATF requirements
• Design real-time transaction monitoring systems
• Implement digital identity verification solutions

5. Stakeholder Engagement & Innovation

• Collaborate with banks, telecoms, and regulators on fintech sandbox projects
• Present fintech solutions to investors and executive teams
• Conduct market research on emerging fintech trends in Africa

6. Cybersecurity & Financial Infrastructure

• Enhance cloud-based financial system security (AWS/Azure)
• Implement biometric authentication (facial recognition, voice ID)
• Ensure PCI DSS compliance for payment systems

Required Skills & Competencies
Technical Skills
✅ Programming: Python, Java, Solidity (for blockchain)
✅ Financial APIs: RESTful APIs, Open Banking standards
✅ Data Science: SQL, TensorFlow, PyTorch
✅ Blockchain Tools: Hyperledger, Ethereum, Corda
✅ Cloud Computing: AWS, Azure, Google Cloud
Financial Sector Knowledge
✔ Digital Payments: PCI DSS, SEPA, PASA regulations
✔ Banking Systems: Core banking platforms (Temenos, Mambu)
✔ Regulatory Frameworks: FSCA, SARB, POPIA, FATF
Soft Skills
✔ Innovation Mindset – Identifying disruptive fintech opportunities
✔ Problem-Solving – Troubleshooting complex technical challenges
✔ Communication – Bridging tech and business stakeholders
✔ Agile Methodology – Rapid prototyping and iteration Qualifications & Certifications
Mandatory:

• Bachelor's degree in Computer Science, Finance, or Engineering
• 3+ years in fintech development, digital banking, or financial software

Preferred:

• Certified FinTech Professional (CFP)
• Blockchain certifications (Hyperledger, Ethereum Developer)
• Cloud certifications (AWS Certified Solutions Architect)
• Data science certifications (TensorFlow Developer)