Job Description:
We are a fast-growing fintech startup based in Manila that specializes in lending to MSMEs particularly online merchants. We are looking for a Team Leader for the Credit function with solid experience in the SME or retail lending industry. The position will report directly to the CEO and COO and will be responsible for the broader day to day financial management and tax issues.

Responsibilities:
Develop, document and implement fundamental credit risk management policies & procedures including underwriting & scoring, KYC, antifraud, portfolio management, monitoring & reporting
Deep engagement and collaboration with co-ownership for product and tech teams for development of the company's loan product
Development of portfolio reporting dashboards and analytics for management including for monitoring collections performance and strategies
Ensure compliance with all relevant BSP SEC, BIR and other government regulations
Develop and implement credit training programs for employees
Manage relationships with external credit agencies and partners
Support the company's fundraising efforts by providing management with basic internal financial data analytics.

Qualifications:
7-10 years of experience in a team lead role or as a significant individual contributor in the SME, retail or micro credit lending industry
Bachelor's degree in finance, business, or a related field
Experience in a fintech or technology-based lending company is a plus
Strong knowledge and understanding of relevant laws and regulations pertaining to fintech, micro, SME and retail lending in the Philippines
Ability to operate in a lean team with a fully hands-on approach to execution
Ability to develop and implement policies, procedures and controls from scratch
Excellent communication and ability to mount a consistent credible professional challenge in team engagements

What we offer:
Performance based compensation including competitive salary and benefits package
The opportunity to be part of a fast-growing, innovative fintech startup
A dynamic and collaborative work environment
The chance to work with a talented and passionate team
Opportunities for professional development and career advancement
The opportunity to make a real impact on the company's success and shape its future direction

Credit Lead