Product Head: Secured

Job Title

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 bank’s Secured Credit portfolio through its products (VAF, Property, Specialised loans etc), loan management workflow, and collateral capability. The position requires knowledge of secured lending markets, regulatory frameworks, and customer segments in Business , and commercial banking.

dd 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, andcustomer segmentsin Business and Commercial Banking.
  • Familiarity with credit risk,collateral processes, andproduct lifecycle management.
• Skills:
  • Ability to define and execute product strategyaligned to business objectives.
  • Strong leadership and stakeholder management skills.
  • Systems thinking and architectural literacy for guiding design and build decisions.

Experience Required:

• 8–12 yearsinsecured lending product management, ideally withinretail 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, andlifecycle management.
  • Managing credit risk appetite,pricing models, andproduct profitability.
  • Driving digital transformationandautomationin lending journeys.
• Exposure to vendor management,budgeting, andfinancial reportingfor product delivery.

Skills

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

Additional Information

• Clear criminal and credit record

Capitec is committed to diversity, applications to this position will strictly be considered in support of our employment equity goals.

How to Apply

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