Head of Credit Operations

2 hours ago

Manila, National Capital Region, Philippines Salmon Group Ltd Full time ₱1,500,000 - ₱3,000,000 per year

Salmon – Who We Are and What We Do

Salmon is a fast-growing consumer FinTech group, founded in July 2022 with the vision of creating the best credit-led, technology-centric bank in Southeast Asia. We chose the Philippines to be our first market and are now a licensed bank and consumer-lending group.

Salmon was founded by three Co-founders who built and held senior leadership positions at Tinkoff, a highly successful tech-enabled bank that reached a market capitalization of more than US$20bn.

Salmon has built a highly qualified and global team of finance and technology professionals and is backed by world-class investors, which include International Finance Corporation (a member of the World Bank Group), Lunate (an investment management vehicle affiliated to the sovereign wealth fund of Abu Dhabi), and other prominent Fintech investors.

We are building a financial technology business that works impeccably 24x365, creating thousands of jobs and providing high quality access to finance for millions of Filipinos — and would love to have you join us on this journey. The new world is ours to discover together.

Key Responsibilities

1. Leadership & Management

  • Lead and oversee Credit Operations teams including Field Credit Investigators, and Verificators.
  • Set clear operational targets and performance metrics for turnaround time (TAT), quality, and productivity.
  • Coach, develop, and mentor team supervisors and officers to maintain operational excellence.

2. Credit Process Oversight

  • Ensure timely and accurate processing of loan applications from onboarding to disbursement.
  • Oversee field credit investigations, client verifications, and background checks to confirm client authenticity and creditworthiness.
  • Maintain robust quality control standards for credit documentation and data validation.

3. Risk and Compliance

  • Collaborate with Risk and Compliance departments to align credit operations with regulatory and internal audit requirements.
  • Implement and enforce anti-fraud measures, ensuring system triggers are effectively handled.
  • Ensure adherence to company policies and industry standards in all operational processes.

4. Systems & Process Improvement

  • Partner with Product and Tech teams to improve automation tools.
  • Identify and resolve process bottlenecks, enhancing efficiency and user experience.
  • Drive continuous process innovation through analytics, KPI monitoring, and automation.

5. Reporting & Analysis

  • Develop and maintain operational dashboards and reports for management review.
  • Monitor daily volume, approval ratios, and SLA compliance.
  • Provide recommendations based on performance metrics and trend analysis.

Qualifications

  • Bachelor's degree in Business, Finance, Accounting, or a related field.
  • Minimum 5 years of experience in credit operations, credit risk, or lending process management.
  • Strong leadership background managing cross-functional credit or operations teams.
  • Deep understanding of lending systems, credit scoring models, and KYC/AML procedures.
  • Analytical mindset with strong problem-solving and communication skills.
  • Experience in fintech or consumer lending industry is a strong advantage.

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