Operations Director

Operations Director (Lending & Fintech Operations) Key Responsibilities: Strategic Leadership & Operational Scaling - Expansion Strategy: Design and execute operational strategies for new branches and niche credit products. - Partner Management: Interface with and manage relationships with strategic channel partners - SOP Optimization: Review, refine, and design standard operating procedures for loan workflows and collateral management. - KPI Monitoring: Track metrics like Loan Disbursement Volume, Turnaround Time (TAT), PAR, NPL, and Recovery Rates. - Corporate Alignment: Collaborate with executive leadership to translate corporate targets into field-level goals. Credit Evaluation & Portfolio Quality - Underwriting Governance: Enforce robust underwriting policies for SME, consumer, and OFW markets with the Credit Committee. - Field Verification: Oversee credit investigation (CI) processes and background checks conducted by field teams. - Bureau Integration: Interface with credit bureaus (e.g., CIBI, TransUnion) to maximize risk assessment health. - Risk Detection: Analyze portfolio trends to detect early default risks and implement tight operational controls. Collections & Default Management - Recovery Drive: Direct field and remedial management teams to hit aggressive recovery targets. - Legal Escalations: Recommend structured legal and field escalation workflows for delinquent accounts. - Ethical Compliance: Guarantee ethical, respectful, and legally compliant collection practices across all branches. Regulatory Compliance & Governance - SEC Compliance: Adhere strictly to guidelines under the Lending Company Regulation Act (RA 9474). - Data Privacy: Guarantee strict compliance with the Data Privacy Act of 2012 (RA 10173). - AMLC Mandates: Maintain rigid AMLC compliance, including KYC verification and suspicious transaction reporting. Team Leadership & Capability Building - Cross-Functional Management: Oversee Area Managers, Branch Managers, Account Officers, and dedicated product managers. - Performance Culture: Build a corporate culture focused on accountability, ethics, and customer-centric service. - Training Initiatives: Identify skill gaps and partner with HR to deploy continuous capability-building programs. Process Optimization & Technology Integration - Digital Transformation: Drive adoption or upgrades of Loan Management Systems (LMS), mobile collection apps, and automated scoring. - Bottleneck Elimination: Shorten approval turnaround times without compromising asset quality. Qualifications & Skills Required: Education & Experience - Academic Background: Bachelor’s degree in Business Administration, Finance, Economics, or Banking (MBA preferred). - Industry Experience: Minimum 8–10 years of progressive leadership experience in lending, microfinance, banking, or fintech. - Leadership Tenure: At least 5 years in a senior managerial capacity overseeing multi-branch or nationwide operations. - Track Record: Proven success scaling lending portfolios or expanding branch networks across Metro Manila and Luzon. Core Competencies - Regulatory Expertise: Deep understanding of SEC guidelines, NPC rules, and AMLA requirements. - Credit Analysis: Strong background in SME/consumer credit underwriting and field CI. - Collections Strategy: Demonstrated experience managing early-to-late-stage collections locally. - Mobility & Language: Exceptional communication skills in English and Tagalog, with willingness to travel across Luzon. - Fintech Literacy: Familiarity with modern LMS, CRMs, and payment gateways (Gash, Maya, PesoNet, InstaPay).