Product Head: Scored at Capitec Bank

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:

• 10+ years senior leadership experience in banking, fintech or digital financial services.
• Proven experience in scorecard integration and credit workflow optimisation.

Technology & Engineering Leadership:

• 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:

• 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:

• 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:

• 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