Compliance Officer (Online Lending/Fintech

Hi—Fin Lending INC; Metro Manila; On-site; PHP 900,000 - 2,000,000; Full time

Job summary

Hi—Fin Lending INC is seeking an experienced Compliance Officer to oversee regulatory compliance for its Online Lending Platform operations in the Philippines.

The role requires deep knowledge of SEC, BSP, NPC rules and the ability to translate regulatory requirements into practical, company-wide processes.

You will lead regulatory engagement, training, policy development, and risk monitoring to support sustainable growth in a tightly regulated environment.

Qualifications

• Bachelor's degree or above in Law, Finance, or Business preferred.
• Minimum 5 years of experience in fintech, consumer finance, or online lending.
• At least 2 years of compliance experience within the Philippine OLP or lending sector.
• Strong understanding of the Philippine regulatory framework (SEC, BSP, NPC).
• Ability to interpret regulatory intent and assess compliance boundaries.
• Excellent cross-functional collaboration skills.

Responsibilities

• Develop and continuously improve the company's compliance framework for online lending operations.
• Ensure full compliance with SEC, BSP, and NPC requirements and maintain registrations.
• Provide clear, actionable compliance guidance to management and business teams.
• Review loan agreements, terms & conditions, disclosures, and marketing materials.
• Establish and enforce pre-launch compliance review processes.
• Work with technology teams on data privacy controls and cross-border data handling.

Skills

Fluent in English

Analytical thinking

Communication

Problem-solving

Filipino citizenship

Integrity & accountability

Finance certification

Education

Law/Finance/Business degree

Degree in Law/Finance/Business only

Job description

We are seeking an experienced and business-oriented Compliance Officer to oversee regulatory compliance for our Online Lending Platform (OLP) operations in the Philippines.

This role requires a strong understanding of the local regulatory environment and the ability to translate regulatory requirements into practical, implementable solutions across product design, operations, and regulatory engagement.

The ideal candidate is not only familiar with compliance rules but also capable of proactively identifying risks, advising business teams, and supporting sustainable growth under a tightening regulatory framework.

Key Responsibilities

1. Compliance Framework & Governance

• Develop, implement, and continuously improve the company's compliance framework for online lending operations
• Ensure full compliance with Securities and Exchange Commission, Bangko Sentral ng Pilipinas, and National Privacy Commission requirements
• Maintain regulatory registrations, licenses, and filings in good standing

2. Regulatory Monitoring & Advisory

• Track and interpret regulatory developments, circulars, and enforcement trends
• Conduct regulatory impact analysis on business models, product structures, and operations
• Provide clear, actionable compliance guidance to management and business teams

3. Product Compliance (Critical Function)

• Work closely with product and risk teams to ensure loan structures (interest rates, fees, tenure, repayment schedules) are compliant
• Identify and prevent regulatory arbitrage or non-compliant product designs
• Establish and enforce pre-launch compliance review processes
• Review loan agreements, terms & conditions, app disclosures, and marketing materials

4. Data Privacy & Consumer Protection

• Ensure compliance with the Philippine Data Privacy Act and related regulations
• Review data collection, processing, storage, and cross-border transfer practices
• Work with technology teams to implement appropriate data protection controls

5. Compliance Monitoring & Risk Management

• Establish compliance monitoring and internal audit mechanisms
• Identify potential regulatory risks and provide early warning signals
• Monitor high-risk areas such as collections practices, complaints, and customer treatment

6. Regulatory Engagement & Inspection Handling

• Serve as the primary point of contact with regulators
• Manage regulatory inspections, inquiries, and complaint handling
• Prepare and submit regulatory reports, responses, and documentation

7. Training & Policy Development

• Provide compliance training to internal teams (product, operations, collections, customer service)
• Develop and maintain compliance policies, manuals, and SOPs

Qualifications

1. Experience

• Bachelor's degree or above (Law, Finance, Business, or related field preferred)
• Bachelor's degree must be specifically in Law, Finance, or Business only
• Minimum 5 years of experience in fintech, consumer finance, or online lending
• At least 2 years of compliance experience within the Philippine OLP or lending sector

2. Regulatory Knowledge

• Strong understanding of the Philippine regulatory framework, including SEC, BSP, and NPC
• Familiarity with lending regulations, compliance requirements, and enforcement practices
• Ability to interpret regulatory intent and assess compliance boundaries

3. Product & Business Understanding

• Solid understanding of loan product structures (interest rates, fees, tenure, repayment design)
• Ability to identify compliance risks embedded in product design
• Experience working with product or risk teams is highly preferred

4. Practical & Execution Capability

• Experience handling regulatory inspections, audits, or remediation is preferred
• Ability to independently manage complex compliance issues
• Strong cross-functional collaboration skills

5. Skills

• Fluent in English (written and spoken)
• Strong analytical, communication, and problem‑solving skills
• High level of integrity, accountability, and risk awareness
• Must be a Filipino citizen only
• Finance certification of any type is acceptable

Preferred Qualifications

• Experience working with regulatory authorities or financial institutions
• Exposure to international fintech or multi‑country operations
• Experience in licensing, compliance remediation, or regulatory recovery cases

Role Highlights

• Direct involvement in product and business decision‑making
• Opportunity to operate in a

fast‑evolving and highly regulated environment

• Close collaboration with senior management and cross‑functional teams