Head of Digital Lending

3 days ago

Hà Nội, Vietnam LOTTE FINANCE VIETNAM Full time

**Top 3 reasons to join us**:

- Attractive salary. Performance based award.
- Young and dynamic working environment.
- Sport and art events (football club...)

**Job description**:

- 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.

**Your skills and experience**:

- 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.

**Why you'll love working here**:

- Attractive salary. Performance based award.
- Young and dynamic working environment.
- Continuous development of hard and soft skills through work and professional trainings.
- Opportunity to approach newest technology trends
- Exciting leisure: sport and art events (football club, family day...)
- Company's labor policy completely pursuant to Vietnamese labor legislation plus other benefits offered by the company

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