# Lending Business Owner: MoreTyme

**Company:** [GoTyme ZA (South Africa)](null/companies/i6AcWcWsEVH44qNppMYfw9.md)
**Location:** Cape Town, South Africa
**Workplace:** hybrid
**Employment type:** Full-time

[Apply for this job](null/view/e6b88a83-7bea-4fc4-9b41-eef08973b08d)

## Description

**Job Purpose**

We are seeking a seasoned financial services professional with demonstrated experience managing a

consumer lending program. This individual should have a great command of credit strategy

development and lending product economics. Building on that foundation, the Lending Business

Owner will own the full product lifecycle and end-to-end P&L for GoTyme’s next-generation lending

offering—driving sustainable and resilient growth, best-in-class customer experience, and disciplined

risk management.

## Requirements

**Key Responsibilities:**

• P&L Ownership: Own the P&L for the lending product; set and deliver volume, revenue,

cost, and loss targets; optimise profitability (risk adjusted returns) through credit risk, pricing,

fee design, and margin management while always keeping the customer top of mind.

• Credit Risk Management: Own 1st line credit strategies (acquisitions, portfolio management)

that allow us to optimize growth and customer lifetime value while operating

within the bank’s risk appetite

• Product Strategy and Development: Work with the Product team to craft the go-to market

and multi-year product vision, customer value proposition, and agile roadmap; lead

discovery, prototyping, and iterative releases from concept to scale. Ensure that investments

are aligned to Tyme group’s multi-country vision.

• Customer Growth & Experience: Drive acquisition, activation, and retention through

data-driven marketing, UX experimentation, and personalized lifecycle journeys to sustain

high NPS.

• Cross-Functional Leadership & Governance: Align Legal, Compliance, Finance,

Operations, Tech, and Marketing to hit launch and portfolio milestones; present business cases

to ExCo, credit committees, and regulators.

• Data-Driven Decision Making: Institutionalise OKR dashboards, test-and-learn agendas,

and cohort analytics; socialise insights for rapid course-correction.

• Team Building & Mentorship: Recruit, coach, and inspire a multidisciplinary squad of

product, credit, marketing, operations teams to support lending initiatives; foster GoTyme’s

culture of “hunger & humility.”

• Innovation & Continuous Improvement: Scout fintech trends, embedded-lending plays,

and alternative-data partnerships to keep GoTyme at the front of consumer credit innovation.

**Key Performance Indicators (KPIs):**

• Portfolio profitability (Risk-adjusted margin, Net interest margin, Net Present Value, Return

on Equity)

• Growth (Disbursements #/PHP, Outstandings, Penetration)

• Risk & Capital (Credit losses #/PHP %, Loss Coverage Ratio, Capital Adequacy)

• Execution (On-time delivery, Flawless execution, Experimentation)

**Job Specification**

**Qualifications:**

• Bachelors degree or higher in applied mathematics, finance, statistics,

computer science, physics, data science, engineering or any other

quantitative discipline

• Master’s degree is preferred

**Professional Qualification and/or Regulatory, Licensing requirements (if any)**

• Relevant experience or diplomas, certificates or completed training

courses.

• CFA, FRM, PMP is a plus.

**Relevant Work Experience:**

**• 5+ years in the financial services industry at a top-tier bank or fintech**

**(e.g. Capital One, Nubank, etc.)**

**• Proven track record of launching, scaling, and managing credit**

**products**

**• Experience managing lending program P&L and credit risk and**

**leveraging data and analytics to inform decisions**

**• Hands on experience working with, manipulating and analyzing large**

**datasets using programming languages such as SQL, R, SAS, Python,**

**etc.**

**• Evidence of leadership and managerial skills, with a track record of**

**building and leading high-performing analyst teams.**

**• Interpersonal and communication skills, with the ability to engage,**

**collaborate, and influence stakeholders at all levels of the organization.**

**Required Competencies and Skills:**

**Competencies/Skills (Essential to succeed in this job)**

**• Analytical & Strategic Thinking: Turns white-space ideas into**

**quantified opportunities; Adept at financial modelling and scenario**

**analysis.**

**• Domain Expertise: Deep knowledge of local market/consumer**

**behavior, credit-lifecycle levers (acquisition through collections) and**

**retail-bank P&L mechanics.**

**• Technical & Digital Savvy: Expert in testing platforms, and agile**

**tooling; fluent in conversations with business, credit, data scientists**

**and engineers.**

**• Communication & Influence: Distills complex trade-offs for**

**senior execs; drives alignment across risk, tech, and commercial**

**teams.**

**• Adaptability & Innovation: Thrives in fast-moving, ambiguous**

**settings; constantly hunts for new data sources, partners, and GTM**

**models.**

**• Leadership & Talent Development – Builds high-performing,**

**purpose-driven teams; embodies GoTyme’s values in everyday**

**decision-making.**