Product Head: Secured

Capitec Bank; Sandton; On-site; ZAR 300 000 - 400 000; Full time

Job summary

A leading South African bank is seeking a Product Head for secured credit. The role involves strategic leadership and managing product development in the secured lending space. Ideal candidates will have extensive experience in product management, strong knowledge of secured lending markets, and a passion for driving digital transformation within business banking. Join a team dedicated to service excellence in an innovative environment.

Qualifications

• 8–12 years in secured lending product management, ideally within retail or business banking.
• Proven track record in leading cross-functional teams and delivering large-scale lending products or platforms.
• Demonstrable experience in product strategy, development, and lifecycle management.

Responsibilities

• Accountable for product ownership and translating strategic direction into world-class products.
• Oversee the strategic leadership, product development, delivery, and lifecycle management.
• Manage credit risk appetite, pricing models, and product profitability.

Skills

Commercial Thinking Skills

Decision making skills

Interpersonal & Relationship management Skills

Problem solving skills

Strategic Thinking Skills

Education

Bachelor’s Degree

Honours Degree

Job description

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This advert is purposed at attracting talent for future dated opportunities.

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:

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Purpose Statement

The Product Head is accountable for product ownership, translating strategic direction into world-class products through effective team leadership.

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.

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

*NB. In the context of the operating model, a ‘product’ could be a product (e.g. Live Better) a channel (e.g. the App), a platform (e.g. Bancs) or a capability.

Education (Minimum)

• Bachelor’s Degree

Education (Ideal or Preferred)

• Honours Degree

Knowledge and Experience

Minimum:

• Knowledge:

  • Strong understanding of secured lending markets, regulatory frameworks, and customer segments in Business and Commercial Banking.
  • Familiarity with credit risk, collateral processes, and product lifecycle management.

• Skills:

  • Ability to define and execute product strategy aligned to business objectives.
  • Strong leadership and stakeholder management skills.
  • Systems thinking and architectural literacy for guiding design and build decisions.

Experience Required:

• 8–12 years in secured lending product management, ideally within retail or business banking.
• Proven track record in:
  • Leading cross-functional teams (product, engineering, delivery).
  • Delivering large-scale lending products or platforms.
• Demonstrable experience in:
  • Product strategy, development, and lifecycle management.
  • Managing credit risk appetite, pricing models, and product profitability.
  • Driving digital transformation and automation in lending journeys.
• Exposure to vendor management, budgeting, and financial reporting for product delivery.

Skills

• Commercial Thinking Skills
• Decision making skills
• Interpersonal & Relationship management Skills
• Problem solving skills
• Strategic Thinking Skills

Additional Information

• Clear criminal and credit record

Capitec is committed to diversity, applications to this position will strictly be considered in support of our employment equity goals.