Product Head: Scored at Capitec Bank

Purpose Statement

• The Product Head is accountable for end‑to‑end ownership of scored lending products, including strategy, roadmap, delivery, product performance, compliance and client experience. The role ensures products are competitive, scalable, digitally led and aligned to the business’ income‑driving goals.
• The position is responsible for enabling a score‑more strategy, improving scorecard integration, and driving continuous workflow optimisation across secured, unsecured, and transaction‑linked scoring environments.
• *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
Minimum:
Experience

• 10+ yrs experience in business management at a senior level in an innovative high performing environment, ideally banking or FinTech. 
• 5+ years’ experience managing products.
• Business and product vision; has had ownership responsibility for a product previously.
• Product management where there are multiple initiatives with competing priorities and so experience in influencing multiple diverse stakeholders, both business and technology.
• Working at strategic, tactical and technical levels.
• Career experience to include some time in one or more technical roles.
• Communicating with technical and non-technical senior stakeholders across multiple business units. 
• Using data and metrics to test theories, confirm assumptions, and measure success
• Earning trust across different levels and multiple groups of a large organization
• Usability studies and/or customer research principles and methods.
• Client development and product validation through customer feedback.
• Using influence and relationships to drive and achieve objectives.
• Leading and guiding multi-functional teams with a single product operating model
• Leading and having oversight of remote / hybrid teams.

Knowledge and Skills

• Strategic and commercial thinking; able to think about problems from a business perspective using people, technology and product input.
• Business acumen and systems thinking; able to take a ‘big picture’ view, assess, make a logical, sound decision and influence others to achieve objectives.
• Financial acumen - sufficient to effectively operate own cost centre
• People leadership and management practices to empower, create focus and delivery.
• Organising, planning and prioritising work.
• Data-driven approach; analytical and quantitative skills.
• Technologically literate and able to adapt to new technologies. 
• Able to dive deep in understanding the product, the business, and the competitive landscape.
• Able to present complex technical information in a clear and concise manner to a variety of audiences. 

Skills

• Commercial Thinking Skills
• Decision making skills
• Interpersonal & Relationship management Skills
• Problem solving skills
• Strategic Thinking Skills