Product Manager

Capitec Bank Ltd.; Sandton; On-site; ZAR 200 000 - 300 000; Full time

Job summary

A leading financial institution in South Africa is seeking an experienced Product Manager to lead digitised, streamlined credit solutions within business banking. The role involves owning the complete product lifecycle, particularly focusing on automated decisioning and digital-first experiences. Candidates should possess a Bachelor's degree, substantial experience in product management specifically in credit products, and strong analytical skills. This position offers significant growth opportunities within a dynamic team environment.

Benefits

Employee benefits

Professional growth opportunities

Qualifications

• 5+ years in product management or product development, particularly in credit products within banking.
• Proven experience with digitised scored credit solutions and automated decisioning.
• Understanding of NCA and non-NCA lending requirements.

Responsibilities

• Lead strategy, design, and delivery of digitised credit solutions.
• Own full product lifecycle from inception to launch and continuous optimisation.
• Deliver streamlined and automated credit onboarding and servicing processes.

Skills

Analytical Skills

Attention to Detail

Commercial Thinking Skills

Communications Skills

Interpersonal & Relationship management Skills

Education

Bachelor’s Degree in Business, Finance, Engineering, Technology, or related field

Honours Degree in Business, Finance, Risk, or Product disciplines

Certifications in Product Management, Credit, Analytics, or Agile

Job description

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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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Join Us in Becoming the Best Bank in the World!!

We appoint energized and motivated people for their potentialandcontinuously look fortalented, driven individualstohelp usinnovate and evolve.That is why we focus on finding the right people for the right jobs. We love what we do because we focus on making a positive difference for our clients and employees. Our company DNA is built around talented and committed teams dedicated to build a brand that we are proud of and earns the trust of our clients.

Who We Are

We are a bank, but we’re much more than that.We believe that banking is about enabling peopleto control their financial lives through banking that is simplified, accessible, affordable and delivered through personal experience. By helping our clients manage their financial lives better, we enable them to live better.

Why Choose Us

At Capitec, we offer our best by living up to our CEO values in every situation – we always put theClient first, act withEnergy andtakeOwnership.And to support people in being their best,our Employee Value Propositionoffersevery value to all team members through cohesive teams, growth opportunities as well asemployee benefitsand savings. We make it a priority toensure that each member of the Capitec team feels welcome, valued, focused, and has the opportunity to grow.

About The Role

To lead the strategy, design, and delivery of digitised, streamlined, and automated scored credit solutions within Business Banking. This includes NCA and non‑NCA lending propositions, as well as term loans and (ideally) business credit card products. The Product Manager is accountable for building digital-first credit experiences that leverage scorecards, automated decisioning, and efficient credit workflows to improve speed, accuracy, affordability assessment, and client experience. The role owns the full product lifecycle from inception to launch and continuous optimisation.

• Bachelor’s Degree in Business, Finance, Engineering, Technology, or related field.

Education (deal or Preferred)

• Honours Degree in Business, Finance, Risk, or Product disciplines.
• Certifications in Product Management, Credit, Analytics, or Agile.

Knowledge and Experience

• 5+ years in product management or product development, with at least 5 years in credit products in banking.
• Proven experience delivering digitised scored credit solutions, including automated decisioning, digital credit journeys, STP, and scorecard integration.
• Understanding of NCA and non‑NCA requirements and how they apply to digital lending flows.
• Experience in term loan product design, pricing, risk, and credit lifecycle.
• Experience collaborating with data science, risk, engineering, and operations to automate steps in the value chain.
• Delivery of streamlined, automated credit onboarding and servicing processes.
• Ability to convert manual lending processes into digitally enabled workflows.
• Exposure to business credit card products (advantageous).

Knowledge:

• Scored credit methodologies, risk-based pricing, decline strategies, and portfolio monitoring.
• Understanding of Credit policy
• Understanding of digital platforms, APIs, scoring engines, and origination systems.

Ideal Experience:

• Delivery of automated scoring strategies for SMEs.
• Implementation of STP lending flows.
• Digitisation of data capture, verification, affordability checks, limit assignment, and approvals.
• Migration from manual to digital operating models.

Skills

• Analytical Skills
• Attention to Detail
• Commercial Thinking Skills
• Communications Skills
• Interpersonal & Relationship management 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.

Capitec Bank is an authorised financial services provider (FSP 46669) and registered credit provider (NCRCP13). Capitec Bank Limited Reg. No: 1980/003695/06