We are seeking an experienced and results-driven Head of Lending to lead and grow our microfinance lending portfolio, with a strong focus on supporting sari-sari stores and small-scale entrepreneurs in the provinces. This role will be responsible for the overall lending operations including P&L management, sales and collections leadership, credit scoring strategy, and operational reporting.
Key Responsibilities:
P&L Management
- Own and manage the Profit & Loss of the lending business unit.
- Develop and implement strategies to optimize portfolio performance and profitability.
- Monitor key financial metrics and adjust plans to meet targets.
Leadership of Sales and Collections
- Lead, train, and motivate sales and collection teams across multiple assignments.
- Set and monitor KPIs to ensure loan disbursement and repayment targets are achieved.
- Ensure strong field execution and adherence to credit and collection policies.
Credit Scoring & Risk Management
- Design and implement a credit scoring system tailored to the needs of sari-sari store owners and informal sector borrowers.
- Establish risk assessment tools and processes to reduce delinquency and defaults.
Monitoring & Reporting
- Develop and maintain dashboards and reporting mechanisms to track portfolio health, team performance, and customer behavior.
- Provide regular updates and analysis to senior management to support strategic decision-making.
Community and Market Understanding
- Leverage deep knowledge of sari-sari store operations in the provinces to design borrower-friendly lending products and processes.
- Build relationships with community leaders and partners to enhance borrower outreach and support.
Qualifications:
- Bachelor's degree in Business, Finance, Economics, or related field (MBA a plus).
- Minimum 5–7 years of experience in microfinance, rural lending, or MSME financing.
- Proven experience managing lending P&L and leading field teams.
- Strong understanding of credit risk management and scoring systems.
- Familiarity with sari-sari store operations and rural micro-entrepreneurship.
- Excellent leadership, analytical, and communication skills.
- Willingness to travel to provincial branches and field locations regularly.