Head of Digital Lending

• Collaborate with bussiness to define and implement the company’s digital lending strategy aligned with business goals.
• Build and scale the Digital Lending department to support business growth and digital transformation
• Drive digital transformation across the lending value chain to ensure competitiveness and growth.
• Develop and manage digital lending products (personal loans, BNPL, credit cards, etc.).
• Continuously improve customer journey, ensuring seamless, fast, and secure digital lending experiences.
• Collaborate with related teams to design and implement scalable digital lending platforms.
• Promote the use of AI/ML models, alternative data, and advanced analytics for credit scoring and risk assessment.
• Ensure integration with digital channels (mobile, web, partner platforms).
• Ensure digital lending practices comply with regulatory requirements and internal policies.
• Implement robust fraud detection, cybersecurity, and data protection measures.
• Drive process automation, straight-through processing (STP), and cost efficiency.
• Establish and monitor KPIs (approval turnaround time, NPL ratio, digital adoption rate, etc.).
• Collaborate with internal business units (marketing, operations, IT, finance, collections) to ensure alignment.

• Bachelor’s or Master’s degree in Finance, Business, Economics, or related field; MBA preferred.
• 8+ years of experience in consumer finance, retail banking, or fintech, with at least 5 years in leadership roles.
• Proven track record in digital lending, product development, and portfolio management.
• Strong understanding of credit risk, regulatory environment, and digital financial services.
• Experience working with digital platforms, APIs, AI/ML credit scoring, and alternative data sources.
• Excellent leadership, communication, and cross-functional collaboration skills.

• Job type: Permanent