Product Manager: Merchant Loans at Capitec Bank

Position Purpose
To support the Product Head: Unsecured Lending in producing the best product for Merchant Loans; optimising the lending product through directing the building and development of the product throughout the credit lifecycle of origination, account and risk management and Collections, partnering and collaborating with the Software Development Manager and teams around the sequence/priority in which to build and develop the product. The role will provide requirements to the Product Head: Credit Fulfilment and the Product Manager: Rehabilitation and Recoveries.

Qualifications (Minimum)

• Grade 12 National Certificate / Vocational

Qualifications (Ideal or Preferred)

• Bachelor's Degree in Credit Risk Management

Experience

• Proven management experience; senior level product development or product manager/owner 
• 5+ years’ experience managing, developing and delivering a product in a Credit environment.
• Working at tactical and operational levels and providing input into product strategy and business planning.
• Integrating business and technical product segments to achieve objectives, delivery and targets.  
• Career experience to include some time in one or more technical roles.
• Communicating with technical and non-technical stakeholders across multiple business units. 
• Authoring of documents relating to product life cycle including business plans, product roadmap, business cases and requirements and functional specifications.
• Scoping/running usability studies and/or customer research.
• Using data and metrics to test theories, confirm assumptions, and measure success
• Client development and validating products through customer feedback.
• Aligning operational initiatives and/or projects to corporate strategies and objectives
• Achieving goals and objectives through cross functional teams.
• Managing and working with remote / hybrid teams.
• Leading and managing multi-functional teams to deliver
• Business development in a banking/financial landscape

Ideal:

• Product development experience in the product domain at management level
• Working with Agile product ownership and methodology

Knowledge

• Financial acumen sufficient for budget management
• Translation of product strategies into tactical and operational planning
• Systems thinking; able to take a ‘big picture’ view, assess, recommend logical, sound decisions and influence others to achieve objectives.
• Relevant product expertise and process know-how
• Agile product ownership and methodology
• Domain specific knowledge, business insight, understanding of product technology, technical dependencies
• People management principles and techniques
• Stakeholder management principles and practices
• Data-driven approach; analytical and quantitative skills.
• Technologically literate and able to adapt to new technologies

Ideal:

• In-depth knowl
• edge and understanding of banking (i.e. productivity, profit, efficiency, processes and procedures and client service)
• Continuous improvement best practices (Lean, 6-Sigma, Theory of constraints, PDCA, etc.)
• Process mapping and process improvements techniques 

Skills

• Communications Skills
• Problem solving skills
• Analytical Skills
• Verbal Reasoning skills
• Commercial Thinking Skills
• Computer Literacy (MS Word, MS Excel, MS Outlook)
• Leadership Skills
• Planning, organising and coordination skills
• Project Management Skills (Methodolgy Specific)
• Influencing Skills
• Presentation Skills

Competencies

• Working with People
• Relating and Networking
• Writing and Reporting
• Analysing
• Learning and Researching
• Creating and Innovating
• Planning and Organising
• Delivering Results and Meeting Customer Expectations

Conditions of Employment

• Clear criminal and credit record