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 scalingMaintain 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 TeamTranslate complex credit policies, underwriting models and regulatory requirements into scalable product features and decision logicContinuously evaluate product performance using analytics, credit KPI’s and customer feedbackDevelop deep expertise in lending platform’s core mechanics, including transaction processing, general ledger flows, repayment schedules and configurations settingEnsure all products comply with local regulatory frameworks – NCR (South Africa), BoZ (Zambia), BoU (Uganda) and CBK (Kenya), while promoting innovation and commercial growthChampion data-driven cultureCommunicate product performance, risk impacts and strategic insights to leadership across regional marketsLead initiatives to build and enhance fraud detection and prevention systems, addressing emerging risks in each operating environmentIf you meet the above criteria, please send your CV.
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