Founding GM

We're building an AI-native secured-lending machine from Manila with a global runway. Short-duration, over-collateralised, small-ticket loans at scale—run with ruthless discipline and real tech. If you're an operator who owns the P&L, moves fast, and turns chaos into compounding cashflow, step up.

The Mission

Launch and scale a Manila-based platform targeting 30%+ monthly gross yield through high-volume, asset-backed lending—then take the playbook national and global.

Who You Are (no passengers)

• Ambitious & entrepreneurial — you build, ship, iterate.
• Decisive risk manager — you love yield, respect collateral, enforce exits.
• Tech-forward — workflows, data, automation > spreadsheets alone (AI underwriting/risk scoring/collections automation).
• Volume athlete — small tickets, tight cycles, clean collections.
• Owner's mindset — weekly scoreboards, cash controls, audit-ready records.

What You'll Build

• Licensing & compliance: Incorporation, SEC Certificate of Authority, AML/KYC, disclosures, audit trail.
• Credit engine: Policy, pricing bands, over-collateralised LTV (?50–55%), vendor panel (appraisers, legal, collections, auctioneers).
• AI-first ops: Underwriting assist, risk scoring, live portfolio dashboards, automated dunning, USDT/PHP on-/off-ramp rails.
• Growth system: SME channels, broker network, remarketing partners, repeat-borrower cycles.
• Investor discipline: Monthly waterfall, reserves, reporting — zero missed distributions.

120-Day Non-Negotiables

• Entity live; SEC CA file in motion; core policies/contracts signed off.
• ?200M+ vetted pipeline of over-collateralised deals ready to draw in tranches.
• Collections cadence live (D-30/D-15/D-1); arrears playbook tested end-to-end.
• Real-time dashboards across LTV, DPD, recovery, FX/treasury; core team hires in seat.

12-Month Scorecard

• Diversified national origination partners; book scaled with weighted LTV ?55%.
• Early-stage DPD