Product Head: Scored

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Date: 2 Mar 2026

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 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

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.