About this role
<p><span style=""><span style=""><b>Apply by</b>: </span></span></p> <p><span style=""><span style=""><span style=""><em>This advert is purposed at attracting talent for future dated opportunities.</em></span></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><p style="text-align:justify;margin:0.0cm 0.0cm 8.0pt;line-height:115%"><span style="">The Product Head is accountable for product ownership, translating strategic direction into world-class products through effective team leadership.</span></p> <p style="text-align:justify;margin:0.0cm 0.0cm 8.0pt;line-height:115%"><span style="">The Product Head – BB Secured Credit is responsible for overseeing the strategic leadership, product development, delivery, and lifecycle management of Business Bank’s bank’s Secured Credit portfolio through its products (VAF, Property, Specialised loans etc), loan management workflow, and collateral capability. The position requires knowledge of secured lending markets, regulatory frameworks, and customer segments in Business , and commercial banking.<span style=""> </span></span></p> <p style="text-align:justify;margin:0.0cm 0.0cm 8.0pt;line-height:115%"><span style="">dd definition of Secured Credit – all secured products (e.g. VAF and Property) as well as the intuitive workflow capabilities and product lifecycle management associated with secured credit</span></p> <p><span style=""><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.</span></p> <div id="fortidlp-input-element-parent"></div></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><span style=""><strong>Minimum:<br></strong></span></p> <ul> <li style=""> <p><span style=""><strong>Knowledge:</strong></span></p> <ul> <li style=""><span style="">Strong understanding of <strong>secured lending markets</strong>, <strong>regulatory frameworks</strong>, and <strong>customer segments</strong> in Business and Commercial Banking.</span></li> <li style=""><span style="">Familiarity with <strong>credit risk</strong>, <strong>collateral processes</strong>, and <strong>product lifecycle management</strong>.</span></li> </ul> </li> <li style=""> <p><span style=""><strong>Skills:</strong></span></p> <ul> <li style=""><span style="">Ability to define and execute <strong>product strategy</strong> aligned to business objectives.</span></li> <li style=""><span style="">Strong leadership and stakeholder management skills.</span></li> <li style=""><span style="">Systems thinking and architectural literacy for guiding design and build decisions.</span></li> </ul> </li> </ul> <p style=""> </p> <p style=""><strong><span style="">Experience Required:</span></strong></p> <ul> <li style=""><span style=""><strong>8–12 years</strong> in <strong>secured lending product management</strong>, ideally within <strong>retail or business banking</strong>.</span></li> <li style=""><span style="">Proven track record in:</span> <ul> <li style=""><span style="">Leading <strong>cross-functional teams</strong> (product, engineering, delivery).</span></li> <li style=""><span style="">Delivering <strong>large-scale lending products or platforms</strong>.</span></li> </ul> </li> <li style=""><span style="">Demonstrable experience in:</span> <ul> <li style=""><span style=""><strong>Product strategy</strong>, <strong>development</strong>, and <strong>lifecycle management</strong>.</span></li> <li style=""><span style="">Managing <strong>credit risk appetite</strong>, <strong>pricing models</strong>, and <strong>product profitability</strong>.</span></li> <li style=""><span style="">Driving <strong>digital transformation</strong> and <strong>automation</strong> in lending journeys.</span></li> </ul> </li> <li style=""><span style="">Exposure to <strong>vendor management</strong>, <strong>budgeting</strong>, and <strong>financial reporting</strong> for product delivery.</span></li> </ul> <div id="fortidlp-input-element-parent"></div></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>