Product Manager

Samaha Consulting; Johannesburg; On-site; ZAR 1 000 000 - 1 400 000; Full time

Job summary

A financial technology consultancy is seeking a Senior Technical Product Manager to define and deliver credit technology platforms. This role entails overseeing product strategy, managing cross-functional teams, and ensuring compliance with credit regulations. Ideal candidates will possess at least 10 years of experience in product management of credit-related technologies, strong stakeholder management skills, and relevant educational qualifications, including a bachelor's degree in a related field. Competitive compensation and dynamic work environment offered.

Qualifications

• 10–12 years’ experience in product management or credit technology, with at least 5+ years in senior product ownership.
• Proven track record in delivering credit/lending platforms.
• Strong knowledge of credit risk management, lending workflows, and regulatory requirements.

Responsibilities

• Own product vision and roadmap for credit technology platforms.
• Lead cross-functional teams to deliver platforms and services.
• Ensure compliance with credit regulations and risk frameworks.

Skills

Credit Risk Management

Product Management

Data Analytics

Stakeholder Management

Regulatory Compliance

Education

Bachelor’s degree in Computer Science, Information Systems, Finance

Postgraduate qualification (MBA, MSc in FinTech, Risk, or Data Science)

Tools

API Integration

Decisioning Engines (e.g., FICO, Experian)

Cloud Platforms (AWS/Azure/GCP)

Job description

Overview

Role Overview The Senior Technical Product Manager: CredTech is responsible for defining and delivering the credit technology platforms and products that enable origination, decisioning, servicing, and collections across the enterprise. This role ensures that credit products are powered by scalable, secure, and intelligent technology solutions, while balancing risk management, compliance, and customer experience.

Responsibilities

1. Product Strategy & Roadmap
   • Own the product vision and roadmap for credit technology platforms (origination systems, loan management, decisioning engines, collections platforms).
   • Align CredTech product strategy with enterprise digital transformation, lending strategy, and regulatory requirements.
   • Stay ahead of industry trends such as AI/ML-driven credit scoring, embedded finance, BNPL, and digital lending ecosystems.
2. Product Delivery & Execution
   • Lead cross-functional teams (engineering, risk, data science, operations) to deliver credit platforms and services.
   • Translate business needs into technical product requirements and user stories.
   • Oversee end-to-end delivery lifecycle, ensuring speed-to-market while maintaining quality and compliance.
   • Implement real-time decisioning, API-driven origination flows, and automated loan servicing capabilities.
3. Governance, Risk & Compliance
   • Ensure CredTech platforms comply with credit regulations, consumer protection laws, and risk frameworks.
   • Partner with risk and compliance teams to embed credit policies, affordability checks, and credit bureau integrations.
   • Govern data security, privacy, and regulatory reporting within CredTech products.
   • Support audit, compliance reviews, and regulatory interactions related to credit technology.
4. Data & Decisioning Enablement
   • Collaborate with data science teams to enhance credit scoring models, affordability assessments, and risk segmentation.
   • Drive integration with credit bureaus, alternative data providers, and AI/ML models.
   • Ensure real-time analytics and dashboards are available for portfolio management and decisioning oversight.
5. Stakeholder & Vendor Management
   • Act as the product owner bridging business (credit, lending, risk, collections) and technology.
   • Manage vendor relationships with core lending platforms, credit decision engines, and fintech partners.
   • Represent CredTech product strategy in executive committees, steering boards, and regulatory forums.

Educational Qualifications

• Bachelor’s degree in Computer Science, Information Systems, Finance, or related field (mandatory).

• Postgraduate qualification (MBA, MSc in FinTech, Risk, or Data Science) – advantageous.

• Professional Certifications (preferred/required):

• o Credit Risk/Banking: CFA, FRM (Financial Risk Manager), or equivalent.
• o Product Management: Agile Product Owner (PSPO, SAFe POPM).
• o Data/Decisioning: Machine Learning or Data Analytics certifications (advantageous).
• o Cloud/Platform certifications (AWS/Azure/GCP – relevant to credit platforms).

Relevant Experience

• 10–12 years’ experience in product management or credit technology, with at least 5+ years in senior product ownership.

• Proven track record in delivering credit/lending platforms, including origination, decisioning, and loan servicing.

• Strong knowledge of credit risk management, lending workflows, and regulatory requirements.

• Experience with decisioning engines (e.g., FICO, Experian, Provenir), credit bureau integrations, and APIs.

• Exposure to digital lending models, embedded credit, BNPL, and alternative credit scoring.

• Prior experience in regulated industries (banking, fintech, financial services) preferred.