Capitec Bank Ltd: Product Head Scored Vacancy (2 Posts)

Product Head – Scored Lending (Business Banking)

Location: Sandton, South Africa

Company: Capitec Bank Ltd

Purpose: Own the end‑to‑end development of scored lending products and capabilities for Business Banking. Ensure products are competitive, scalable, digitally‑driven and built on secure, modern technology. Lead the strategy, architecture, roadmap, engineering delivery, performance, regulatory compliance and client experience.

Key Responsibilities

• Define and execute the “score‑more” strategy and advanced decisioning integration.
• Design and maintain automated workflows and continuous optimisation of scoring ecosystems (secured, unsecured, transaction‑linked).
• Operate at the intersection of product, technology, risk and data to ensure credit capabilities are architecturally sound, cloud‑aligned, observable and resilient.
• Lead multidisciplinary squads across product, engineering, data and risk.
• Drive engineering capability uplift and technical maturity.
• Mentor technical leads, systems analysts and product managers.
• Align delivery through a unified product operating model.
• Champion‑challenger testing and monitor model performance (approval rates, conversion, profitability).
• Ensure compliance with credit regulatory frameworks, model governance and audit traceability.
• Oversee secure coding practices, DevOps (CI/CD, observability, resilience) and data engineering principles (feature stores, governance).
• Translate architectural constraints into product roadmap decisions.

Required Qualifications

• Bachelor’s degree (minimum).
• Honours degree (preferred).

Experience & Skills

• 10+ years of senior leadership in banking, fintech or digital financial services.
• Proven track record in scorecard integration and credit workflow optimisation.
• Experience with modern cloud ecosystems (AWS preferred).
• Understanding of microservices, API‑driven design and event‑driven integration.
• Background in building scalable cloud‑native services.
• Knowledge of DevOps practices (CI/CD, observability, resilience engineering).
• Oversight of engineering standards and secure coding.
• Data engineering expertise, including feature stores and data governance.
• Exposure to AI/ML for credit decisioning and fraud detection.
• Advanced understanding of credit scorecards, decision strategy frameworks, policy rule engines and modelling standards.
• Ability to track operational metrics and perform champion‑challenger testing.
• Strong grasp of credit regulatory requirements and model governance.
• Commercial thinking, decision‑making, interpersonal and relationship management, problem‑solving and strategic thinking.
• Clear criminal and credit record.

People & Operating Model Leadership

• Lead multidisciplinary squads across product, engineering, data and risk.
• Drive engineering capability uplift and technical maturity.
• Mentor technical leads, systems analysts and product managers.
• Align delivery through a unified product operating model.

Capitec is committed to diversity and will consider applications in support of its employment equity goals. Candidates must be willing to undergo a clear criminal and credit record check.

To learn more about life at Capitec and complete a short assessment, click here.

After completing the assessment, finalize your application by clicking Apply now below.