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:
1. To see what life at Capitec is all about and complete a short assessment, please click here!
2. Once you have completed the above finalize your application by clicking apply below.
Purpose Statement
- The Product Head is accountable for end-to-end ownership of scored lending products and capabilities across Business Banking, including strategy, architecture alignment, roadmap, engineering delivery, product and system performance, regulatory compliance and client experience.
- The role ensures scored credit products are competitive, scalable, digitally led and underpinned by robust, secure and modern technology foundations. This includes ownership of score-more strategy, advanced decisioning integration, automated workflows, and continuous optimisation across secured, unsecured and transaction-linked scoring ecosystems.
- The Product Head operates at the intersection of product, technology, risk and data, ensuring credit capabilities are architecturally sound, cloud aligned, observable, resilient and future ready.
*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
Product & Business Leadership:
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- 10+ years senior leadership experience in banking, fintech or digital financial services.
- Proven experience in scorecard integration and credit workflow optimisation.
Technology & Engineering Leadership:
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- Experience operating within modern cloud ecosystems (AWS preferred).
- Understanding of microservices architecture, API-driven design and event-driven integration.
- Experience in building scalable cloud-native services.
- Knowledge of DevOps practices including CI/CD, observability and resilience engineering.
- Oversight of engineering standards and secure coding practices.
- Understanding of data engineering principles including feature stores and data governance.
- Exposure to AI and machine learning enablement in credit decisioning and fraud detection.
- Ability to translate architectural constraints into product roadmap decisions.
Data & Decisioning Capability:
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- Advanced understanding of credit scorecards and decision strategy frameworks.
- Experience with policy rule engines and decision modelling standards.
- Champion–challenger testing and model performance monitoring.
- Operational metric tracking across approval rates, conversion and profitability.
Governance, Risk & Compliance:
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- Strong understanding of credit regulatory frameworks.
- Oversight of model governance lifecycle and audit traceability.
- Ensures compliance with security, risk and responsible lending standards.
People & Operating Model Leadership:
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- Leads multidisciplinary squads across product, engineering, data and risk.
- Drives engineering capability uplift and technical maturity.
- Mentors technical leads, systems analysts and product managers.
- Aligns delivery through a unified product operating model.
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.