I think it's fair to point out that Torvalds didn't come up with Git on his own - he was influenced by a good amount of prior art, not the least of which was Bitkeeper.
However, I think calling him a "competent person, at the right place and time" undersells him to a substantial degree.
1. He's a world class software developer.
2. He's a world class tech lead (There are certainly criticisms about his communication style, which I don't think are unfair. Here, I am judging him by the artifacts created under his leadership).
3. He was the write lock for an extremely large distributed team for more than a decade.
It is not surprising to me that the 2nd most famous distributed source control tool - Mercurial - was also initially created by a Linux kernel developer.