Head of Operations | Secured loans (Real Estate)

EcoFinance; Zaragoza; A distancia; EUR 80.000 - 110.000; Jornada completa

Descripción de la vacante

A global fintech company is seeking a Head of Operations to design the operational framework for a secured loan product in Spain. The ideal candidate will have senior leadership experience in secured lending, excellent organizational and analytical skills, and fluency in both English and Spanish. This role offers a competitive salary and the opportunity to work on innovative projects in a dynamic environment.

Servicios

Competitive salary

Opportunity for personal and professional development

Formación

• Experience with home equity or mortgage lending operations.
• Ability to build scalable processes and effective teams.
• Fluency in both English and Spanish.

Responsabilidades

• Design the operating model for the home-equity lending product.
• Develop the onboarding pipeline including eligibility checks.
• Analyse market repayment behaviour for secured lending.
• Oversee collections and recoveries process.
• Define operational staffing and structure.
• Support financial modelling with operational cost drivers.
• Advise on compliance workflows including KYC/AML.

Conocimientos

Senior leadership experience in secured lending operations

Strong understanding of collateral workflows

Excellent organizational skills

Strong communication and collaboration abilities

Fluency in English and Spanish

Descripción del empleo

EcoFinance is a fast-growing fintech delivering accessible B2C financial services worldwide as a part of Dyninno Group. Through brands like Creditprime and Honey Loan , we offer short-term loans, instalment loans and lines of credit via our online platform. With over 5 million clients across Romania, Moldova and the Philippines, EcoFinance ranks among the top ten microfinance providers by loan volume.

As we prepare for the launch of a secured loan product (secured by real estate) in Spain we are looking for an experienced Head of Operations to design and lead the operational framework for this initiative.

Location : Remote from Spain

Please submit your CV in English.

Key Responsibilities:

• Design the operating model for a home-equity lending product, covering customer lifecycle, collateral processes, and servicing flows.
• Develop the onboarding pipeline , including eligibility checks, document processing, collateral verification, underwriting coordination, and final decisioning.
• Analyse market secured-lending repayment behaviour , including delinquency patterns, restructuring practices, early repayment trends, and customer repeat behaviour.
• Oversee collections and recoveries process establishment , including soft, hard, and legal collection processes, as well as debt-sale procedures.
• Define operational staffing and structure , outlining personnel profiles, team architecture, contact/call-centre and back-office needs.
• Support financial modelling by providing operational cost drivers and assumptions for portfolio P&L planning.
• Advice on with verification and compliance workflows setup , including KYC/AML processes, fraud prevention tools, property valuation, and third-party vendor integrations.

Key Requirements:

• Senior leadership experience in secured lending operations, home equity, mortgage, or large-ticket consumer lending .
• Strong understanding of collateral workflows, underwriting operations, and collections for secured products .
• Excellent organizational and analytical skills , able to build efficient and scalable processes.
• Strong communication and collaboration abilities , working effectively with cross-functional teams.
• Fluency in English and Spanish (both written and verbal).

With us you will:

• Be a part of a top-tier team of professionals, work on global projects that reach millions worldwide, create complex one-of-a-kind in-house products and solutions.
• You'll be rewarded with a competitive salary that reflects your experience and skills.

We are driven by innovation and continuous learning, building a culture where both personal and professional development thrive.

Join us and grow alongside a dynamic team making a significant impact in the ever-evolving world of fintech!

Please note that the processing of your personal data takes place in accordance with the privacy notice, which could be found here -