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VP, Lending Portfolio

2 days ago

Pasig, National Capital Region, Philippines Tendo by Tonik Full time

The VP will be accountable for the
growth, profitability, and risk performance
of Tendos lending portfolio. Beyond portfolio stewardship, the role includes oversight of employerpartner engagement and the Client Success team to ensure sustainable production and retention.

This role is designed for a leader who can balance
aggressive scale
,
disciplined risk management
, and
crossfunctional influence
.

Key Responsibilities

  • P&L & Portfolio Ownership
  • Full ownership of portfolio P&L, including loan production targets, revenue performance, and profitability.
  • Optimization of unit economics (pricing, tenor, cost of risk, utilization, credit limits).
  • Development of growth strategies informed by data insights and performance dashboards.
  • Credit Risk & Governance
  • Collaboration with Risk to refine eligibility metrics and enhance credit models.
  • Oversight of risk KPIs (NPL, cost of risk, approval rates, early warning signals).
  • Ensure compliance with regulatory, credit policy, and internal governance requirements.
  • Partnership with Collections to guard backend asset quality.
  • Product, Data, and Innovation Leadership
  • Partner with Product & Technology to define roadmap and improve borrower experience.
  • Lead rapid cycle lending experiments (pricing, tenor, elasticity tests).
  • Provide analytical guidance to Marketing on segmentation and conversion levers.
  • Drive innovation initiatives to improve retention and unlock new revenue opportunities.
  • Client Success & Employer Partner Strategy
  • Executive leadership of the Client Success function.
  • Strengthen employerpartner relationships to drive adoption and recurring loan production.
  • Codevelop long term engagement strategies with the Head of Client Success.

Qualifications

  • Significant background in fintech, lending, credit lines, or revolving credit products.
  • Proven P&L ownership within a lending or financial services environment.
  • Experience leading multi-disciplinary teams (Product, Risk, Analytics, Commercial, Client Success).
  • Strong commercial acumen with ability to balance growth and risk.
  • Deep understanding of lending economics, credit modeling, and performance analytics.
  • Executive-level stakeholder management, able to influence across functions.
  • Leadership experience managing leaders and building high-performing teams.
  • Data-driven decision-maker
  • Strategic thinker with operational depth
  • Strong communicator and cross-functional navigator
  • Comfortable in fast-paced, scaling fintech environments