About this role
<p><span style=""><span style=""><b>Apply by</b>: </span></span></p> <p><span style=""><span style=""><span style=""><b>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:</b></span></span></span></p> <p><span style=""><span style="">1. To see what life at Capitec is all about and complete a short assessment, please <a href="https://talentcentral.eu.shl.com/player/link/01567683b48a40db872c19bb2f07ba9e"><u><b>click here!</b></u></a></span></span></p> <p><span style=""><span style="">2. Once you have completed the above finalize your application by clicking apply below.</span></span></p> <div><div style="padding:10.0px 0.0px;border:1.0px solid transparent"><div style="word-wrap:break-word"><H2 style="margin:0.0px"><b>Purpose Statement</b></H2> </div><div><ul> <li>The Product Head is accountable for end-to-end ownership of scored lending products and capabilities across Business Banking, including strategy, architecture alignment, roadmap, engineering delivery, product and system performance, regulatory compliance and client experience.</li> <li>The role ensures scored credit products are competitive, scalable, digitally led and underpinned by robust, secure and modern technology foundations. This includes ownership of score-more strategy, advanced decisioning integration, automated workflows, and continuous optimisation across secured, unsecured and transaction-linked scoring ecosystems.</li> <li>The Product Head operates at the intersection of product, technology, risk and data, ensuring credit capabilities are architecturally sound, cloud aligned, observable, resilient and future ready.</li> </ul> <p> </p> <p><strong>*NB. In the context of the operating model</strong>, a ‘product’ could be a product (e.g. Live Better) a channel (e.g. the App), a platform (e.g. Bancs) or a capability.</p></div></div><div style="padding:10.0px 0.0px;border:1.0px solid transparent"><div style="word-wrap:break-word"><H2 style="margin:0.0px"><b>Education (Minimum)</b></H2> </div><ul style="margin-top:0.0;margin-bottom:0.0"><li>Bachelor's Degree </li></ul></div><div style="padding:10.0px 0.0px;border:1.0px solid transparent"><div style="word-wrap:break-word"><H2 style="margin:0.0px"><b>Education (Ideal or Preferred)</b></H2> </div><ul style="margin-top:0.0;margin-bottom:0.0"><li>Honours Degree </li></ul></div><div style="padding:10.0px 0.0px;border:1.0px solid transparent"><div style="word-wrap:break-word"><H2 style="margin:0.0px"><b>Knowledge and Experience</b></H2> </div><div><p><strong>Product & Business Leadership:</strong></p> <ul> <li style="list-style-type:none"> <ul> <li>10+ years senior leadership experience in banking, fintech or digital financial services.</li> <li>Proven experience in scorecard integration and credit workflow optimisation.</li> </ul> </li> </ul> <p> </p> <p><strong>Technology & Engineering Leadership:</strong></p> <ul> <li style="list-style-type:none"> <ul> <li>Experience operating within modern cloud ecosystems (AWS preferred).</li> <li>Understanding of microservices architecture, API-driven design and event-driven integration.</li> <li>Experience in building scalable cloud-native services.</li> <li>Knowledge of DevOps practices including CI/CD, observability and resilience engineering.</li> <li>Oversight of engineering standards and secure coding practices.</li> <li>Understanding of data engineering principles including feature stores and data governance.</li> <li>Exposure to AI and machine learning enablement in credit decisioning and fraud detection.</li> <li>Ability to translate architectural constraints into product roadmap decisions.</li> </ul> </li> </ul> <p> </p> <p><strong>Data & Decisioning Capability:</strong></p> <ul> <li style="list-style-type:none"> <ul> <li>Advanced understanding of credit scorecards and decision strategy frameworks.</li> <li>Experience with policy rule engines and decision modelling standards.</li> <li>Champion–challenger testing and model performance monitoring.</li> <li>Operational metric tracking across approval rates, conversion and profitability.</li> </ul> </li> </ul> <p> </p> <p><strong>Governance, Risk & Compliance:</strong></p> <ul> <li style="list-style-type:none"> <ul> <li>Strong understanding of credit regulatory frameworks.</li> <li>Oversight of model governance lifecycle and audit traceability.</li> <li>Ensures compliance with security, risk and responsible lending standards.</li> </ul> </li> </ul> <p> </p> <p><strong>People & Operating Model Leadership:</strong></p> <ul> <li style="list-style-type:none"> <ul> <li>Leads multidisciplinary squads across product, engineering, data and risk.</li> <li>Drives engineering capability uplift and technical maturity.</li> <li>Mentors technical leads, systems analysts and product managers.</li> <li>Aligns delivery through a unified product operating model.</li> </ul> </li> </ul></div></div><div style="padding:10.0px 0.0px;border:1.0px solid transparent"><div style="word-wrap:break-word"><H2 style="margin:0.0px"><b>Skills</b></H2> </div><ul style="margin-top:0.0;margin-bottom:0.0"><li>Commercial Thinking Skills </li><li>Decision making skills </li><li>Interpersonal & Relationship management Skills </li><li>Problem solving skills </li><li>Strategic Thinking Skills </li></ul></div><div style="padding:10.0px 0.0px;border:1.0px solid transparent"><div style="word-wrap:break-word"><H2 style="margin:0.0px"><b>Additional Information</b></H2> </div><ul style="margin-top:0.0;margin-bottom:0.0"><li>Clear criminal and credit record </li></ul></div></div><p><span style=""><span style=""><em>Capitec is committed to diversity, applications to this position will strictly be considered in support of our employment equity goals.</em></span></span></p>