Stellenbosch: Mid-Senior Product Owner (Credit) (Stellenbosch) posted by Datafin
Posted on 2025-06-17 00:00:00
| Employer | Datafin |
|---|---|
| Category | Other IT/Computer |
| Location | Western Cape / Stellenbosch |
Job Summary
Stellenbosch – Western Cape – South Africa
- Own the full product lifecycle for software and systems supporting credit and risk policy – from ideation through delivery, iteration, and scaling.
- Define and maintain a clear product vision, roadmap, and backlog aligned with the organisations Credit and Risk strategy, in close collaboration with the Credit and Risk team.
- Translate complex credit policies, underwriting models, and regulatory requirements into scalable product features and decision logic.
- Continuously evaluate product performance using analytics, credit KPIs, and customer feedback to drive enhancements and maintain compliance.
- Develop deep expertise in the lending platforms core mechanics, including transaction processing, general ledger flows, repayment schedules, and configuration settings.
- Ensure all products comply with local regulatory frameworks, including but not limited to NCR (South Africa), BoZ (Zambia), BoU (Uganda), and CBK (Kenya), while promoting innovation and commercial growth.
- Champion a data-driven culture by embedding robust analytics, monitoring, and reporting capabilities into product architecture.
- Communicate product performance, risk impacts, and strategic insights into the companys leadership across regional markets.
- Lead initiatives to build and enhance fraud detection and prevention systems, proactively addressing emerging risks in each operating environment.
- Masters or Bachelors Degree in Business, Finance, Computer Science, or a related field.
- Product Management Certification (e.g., Pragmatic Institute, AIPMM, Product School, SAFe PM/PO) is a strong advantage.
- Over 10 years of professional experience, with a minimum of 5 years in Product Management or Product ownership roles within Financial Services or FinTech.
- Background in microlending, consumer credit, or digital financial inclusion.
- Deep knowledge of credit policies, lending platform architecture, credit scoring methodologies, and risk modeling.
- Demonstrated success in developing and managing digital lending products.
- Experience with decision engines, credit bureau integrations, fraud detection systems, and KYC/AML compliance frameworks.
- Passion for Africa and a strong desire to contribute to a mission-driven, high-growth organisation.
- Openness to travel across the African continent as required.
- The ideal candidate is analytical, inquisitive, and execution-orienteda systems thinker who excels at navigating complexity and driving results in a dynamic, high-growth environment.
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