Thabang Makhubedu
Manager Unsecured Credit Products @Capitec
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WORK HISTORY
Manager Unsecured Credit Products @Capitec
Stellenbosch, ZA
Enabling digital-led sales solutions to significantly improve sales performance - surpassing budget.Optimizing client experience for both new and existing client to improve engagement and retention.Changes implemented led to significantly improved performance in market share.
EDUCATION
Stellenbosch Business School
Postgraduate Degree, Future Studies
University of Johannesburg
Bachelor of Technology - BTech, Business Administration and Management, General
ABOUT THABANG MAKHUBEDU
Senior product leader in Banking and Credit Products with over 15 years’ experience delivering commercially successful, customer‑centric solutions in highly regulated financial services environments.I currently lead product strategy and execution for large‑scale unsecured lending portfolios, owning the end‑to‑end product lifecycle from vision and roadmap through to delivery, P&L performance, and continuous optimisation. My experience spans Tier‑1 retail and Fintech banking, covering product strategy, digital transformation, API‑led delivery, and data‑driven decisioning across the full credit lifecycle.Key strengths include:Product strategy & commercial ownership across multi‑billion‑pound portfoliosDigital‑first and platform‑led product deliveryTranslating complex regulatory, risk and compliance requirements into scalable product solutionsBuilding and leading high‑performing product teams, including manager‑of‑managers rolesPartnering effectively with Technology, Risk, Finance, Compliance and Executive leadershipI have a strong track record of delivering growth through improved customer value propositions, optimised pricing and performance levers, and enhanced digital journeys while maintaining disciplined risk and governance standards expected in banking environments.Having recently relocated to the United Kingdom, I am seeking Product Manager or Head of Product opportunities within the financial industry where strong product leadership and commercial rigour are required.My interests include the following: Head of Product, Product Director, Banking Product Manager, Credit Products, Lending, Retail Banking, Financial Services, Client Experience, Payments, Rewards Programme and Transactional Banking.
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