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Product Owner (Credit / Microlending)

Product Owner (Credit / Microlending)

Yazoo RecruitmentStellenbosch, Western Cape, South Africa
27 days ago
Job description

Product Owner (Credit / Microlending) required in Stellenbosch.

Product Owner with a formal qualification and minimum 10 years’ professional experience specific to microlending, consumer credit or digital financial inclusion, including 5 years’ in a product management or product ownership role in financial services or fintech, required to lead the end-to-end design, development and implementation of credit and risk software solutions, for a Fintech company based in Stellenbosch.

Minimum requirements :

  • Degree in Business, Finance, Computer Science or related field required
  • Minimum 10 years’ experience, including 5 years’ product management or ownership in fintech or financial services
  • Background in microlending, consumer credit or digital financial inclusion, essential
  • Knowledge of credit policies, lending platform architecture, credit scoring methodologies and risk modelling required
  • Proven track record in developing and managing digital lending products required
  • Experience in decision engines, credit bureau integrations, fraud detection systems and KYC / AML compliance frameworks required
  • Product management certification – Pragmatic Institute, AIPMM, Product School, SAFe PM / PO highly advantageous
  • Agile / Scrum methodologies like Jira, Confluence and other collaboration platforms required

Duties and Responsibilities :

  • Own the end-to-end product lifecycle for software and systems supporting credit and risk policy – from ideation through delivery, iteration and scaling
  • Maintain and define product vision, roadmaps and backlog for all integration related services aligned with the company’s credit and risk strategy in 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 KPI’s and customer feedback
  • Develop deep expertise in lending platform’s core mechanics, including transaction processing, general ledger flows, repayment schedules and configurations setting
  • Ensure all products comply with local regulatory frameworks – NCR (South Africa), BoZ (Zambia), BoU (Uganda) and CBK (Kenya), while promoting innovation and commercial growth
  • Champion data-driven culture
  • Communicate product performance, risk impacts and strategic insights to leadership across regional markets
  • Lead initiatives to build and enhance fraud detection and prevention systems, addressing emerging risks in each operating environment
  • If you meet the above criteria, please send your CV.

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    Product Owner • Stellenbosch, Western Cape, South Africa

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