Mid-Senior Product Owner

ENVIRONMENT:A fast-growing FinTech company with a footprint on the African continent, seeks a strategically minded and experienced Product Owner Credit, to lead the end-to-end design, development, and implementation of credit and risk software solutions across its microlending operations in South Africa, Zambia, Uganda, and Kenya. This is a high-impact role at the crossroads of product innovation, credit strategy, risk management, compliance, and technology. You will play a pivotal part in shaping the delivery of responsible, scalable, and customer-centric financial products across diverse markets. The successful incumbent must have a Masters/Bachelors Degree in Business/Finance/Computer Science or related field with 10 years of professional experience, with a minimum of 5 years in Product Management or Product ownership roles within Financial Services or FinTech. Theyre looking for a candidate with deep expertise in Financial Services, a comprehensive understanding of the credit lifecycle, and a track record of building scalable, compliant digital lending solutions. DUTIES: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. REQUIREMENTS:Qualifications 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. Experience/Skills -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 modelling.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. ATTRIBUTES: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. While we would really like to respond to every application, should you not be contacted for this position within 10 working days please consider your application unsuccessful. COMMENTS:When applying for jobs, ensure that you have the minimum job requirements. Only