Product Manager

Capitec Bank; Sandton; On-site; ZAR 800 000 - 1 200 000; Full time

Job summary

A leading financial institution in South Africa is seeking a Product Manager to lead the strategy and delivery of digitised credit solutions within Business Banking. The ideal candidate will have over 5 years of product management experience, specifically in credit products. Responsibilities include overseeing the full product lifecycle, implementing automated decisioning workflows, and improving client experiences. Candidates with strong analytical skills and knowledge of NCA regulations are preferred.

Qualifications

• 5+ years in product management or product development, particularly in credit products.
• Experience delivering digitised scored credit solutions and automated decisioning.
• Understanding of NCA and non‑NCA requirements.

Responsibilities

• Lead strategy, design, and delivery of automated scored credit solutions.
• Own the full product lifecycle from inception to launch.
• Build digital‑first credit experiences that improve client experience.

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

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.

Minimum Education

• 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.

Minimum 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).
• Proven track record in end-to-end product delivery.

Knowledge

• Scored credit methodologies, risk‑based pricing, decline strategies, and portfolio monitoring.
• Credit value chain design for scored lending.
• Understanding of Credit policy
• Understanding of digital platforms, APIs, scoring engines, and origination systems.
• Agile product ownership

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.