Location: Sandton, ZA

Company: Capitec Bank Ltd

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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 product ownership, translating strategic direction into world-class products through effective team leadership.

The Product Head – BB Secured Credit is responsible for overseeing the strategic leadership, product development, delivery, and lifecycle management of Business Bank’s Secured Credit portfolio. This includes:

• Products (e.g. VAF, Property, Specialised Loans, etc.)

• Loan management workflow

• Collateral capability

The role requires knowledge of secured lending markets, regulatory frameworks, and customer segments in Business and Commercial Banking.

Definition of Secured Credit:

All secured products (e.g. VAF and Property), as well as the intuitive workflow capabilities and product lifecycle management associated with secured credit.

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

Knowledge

• Strong understanding of secured lending markets, regulatory frameworks, and customer segments in Business and Commercial Banking

• Familiarity with credit risk, collateral processes, and product lifecycle management

Skills

• Ability to define and execute product strategy aligned to business objectives

• Strong leadership and stakeholder management skills

• Systems thinking and architectural literacy for guiding design and build decisions

Experience Required

• 8–12 years in secured lending product management, ideally within retail or business banking

Proven track record in:

• Leading cross-functional teams (product, engineering, delivery)

• Delivering large-scale lending products or platforms

Demonstrable experience in:

• Product strategy, development, and lifecycle management

• Managing credit risk appetite, pricing models, and product profitability

• Driving digital transformation and automation in lending journeys

• Vendor management, budgeting, and financial reporting for product delivery

Competencies

• Commercial Thinking Skills

• Decision-Making Skills

• Interpersonal & Relationship Management Skills

• Problem-Solving Skills

• Strategic Thinking Skills

Additional Information

• Clear criminal and credit record