TMO - Strategic Director – MSME Digital Lending

Cơ hội nghề nghiệp | Hội sở (Tp. HCM), [TMO] Chiến lược & Danh mục, TMO (Tp. HCM) | Quản lý Chuyển đổi - TMO

TMO - Strategic Director – MSME Digital Lending

Role Overview

We are seeking a Strategic Initiatives Director to lead the design and execution of an end‑to‑end MSME digital lending journey. This role is responsible for building a scalable, data-driven credit operating model that integrates technology, risk, and customer experience to deliver fast, secure, and fully digital lending solutions for small and micro businesses.
You will act as a cross-functional leader, working across Risk, Business, Technology, Data, and Operations to reshape how MSME lending is originated, underwritten, approved, and managed in a digital-first environment.

Key Responsibilities

1. Design MSME Credit Architecture (Modular & Digital-first)

• Develop a modular MSME credit framework leveraging:
• Credit bureau data (CIC)
• Transactional and behavioral data
• Build scalable credit models tailored by:
• Industry clusters
• Business size
• Cashflow patterns
• Define the credit decisioning logic and framework for automation.

2. Lead End-to-End Digital Lending Transformation

• Design and implement a fully digital MSME lending journey from:
• Customer onboarding → onboarding automation
• Credit assessment → approval → disbursement → monitoring
• Shift delivery from RM-led processing to advisory-driven engagement
• Reduce turnaround time (TAT) and increase straight-through processing (STP).

3. Build Portfolio Analytics & Risk Monitoring Capabilities

• Develop early warning systems and credit-health monitoring tools
• Design portfolio dashboards to track:
• Loan quality
• Risk exposure
• Segment performance
• Enable data-driven decision-making for MSME portfolio management.

4. Develop Digital-First Lending Products

• Collaborate with Product, Risk, and Technology teams to launch:
• Automated disbursement solutions
• Digital documentation & onboarding
• Embedded lending use cases (where applicable)
• Ensure alignment with the MSME lifecycle and channel strategy.

5. Lead Program Execution & Cross-Functional Governance

• Own end-to-end initiative delivery roadmap and execution plan
• Lead a 20–50 FTE cross-functional team, including:
• Project Managers (PMs)
  • Product Owners (POs) / Business Analysts (BAs)
  • Scrum Masters (SMs)
  • Change Managers (CMs)
• Act as the primary interface with the Transformation Director, providing:
  
  • Progress updates
  • Issue escalation
  • Strategic recommendations

Experience & Domain Expertise

Minimum 10+ years of experience in:

• MSME lending / SME banking
• Credit product development
• Lending operations or LOS implementation

Proven track record in:

• Digital lending transformation
• Credit scoring / decision engine implementation

Strong knowledge of:

• MSME financing models
• Credit lifecycle (origination → underwriting → monitoring)