Manager: Credit products (Unsecured) at Capitec Bank

What you'll do
Product Strategy and Portfolio Leadership

• Own and drive the strategic direction, roadmap, and profitability of a credit product portfolio.
• Develop and execute customer-led product and proposition strategies informed by robust analytics, market insights, and customer segmentation.
• Identify growth opportunities, optimise portfolio performance, and drive market share expansion.
• Conduct ongoing local and international market analysis to assess emerging trends, innovations, and competitor offerings.
• Lead product lifecycle management, including product enhancements, proposition development, and feature innovation.
• Influence pricing, policy, and product strategies to deliver sustainable commercial outcomes.

Product Development and Optimisation

• Act as a subject matter expert for credit product development and enhancement.
• Design and optimise client journeys across the full credit lifecycle.
• Drive product innovation by translating market, client, and behavioural insights into actionable strategies.
• Partner with Technology and delivery teams to prioritise, implement, and embed product changes.
• Establish and maintain effective product governance in partnership with Legal, Compliance, Operations, and Risk functions.

Commercial and Portfolio Performance

• Monitor and optimise portfolio health, profitability, utilisation, and client engagement.
• Drive revenue growth opportunities while identifying efficiencies and cost optimisation initiatives.
• Ensure robust reporting, forecasting, benefit tracking, and performance measurement frameworks are in place.
• Prepare and present portfolio insights, recommendations, and strategic proposals to executive and governance forums.

Leadership and Stakeholder Management

• Build a high-performance culture focused on innovation, collaboration, accountability, and continuous improvement.
• Influence and engage senior stakeholders across multiple business functions.

Risk and Regulatory Management

• Ensure products remain compliant with all applicable regulatory and governance requirements.
• Drive effective risk management and control practices across the product lifecycle.
• Monitor and mitigate emerging risks through ongoing portfolio analysis and oversight.
• Ensure product policies, processes, and controls are regularly reviewed and enhanced.

What we're looking for

• A postgraduate qualification in Business Administration, Mathematics, Science or Actuarial Science.
• 5+ years' experience in the Financial Services Industry with objectives in a Credit Product Management or Client Value Proposition.
• A track record of driving meaningful commercial and client outcomes through product innovation and optimisation.
• Proven experience developing and executing credit product strategies, including identifying growth opportunities and implementing policy changes.
• Solid working knowledge of relevant credit regulations, including the National Credit Act, Basel frameworks and affordability assessment regulations.
• Experience in Lending Product Management.
• Knowledge of Credit Risk Management and Profitability Frameworks.
• Strong decision-making, relationship management and problem-solving skills.
• Leadership experience, including managing people and project delivery.
• Advantageous: Hands-on experience with statistical and analytical tools such as SAS, R, Python or SQL to analyse credit portfolios and inform decisions.