Corporate Lending Head

GoTyme PH (Philippines); Quezon City; In loco; PHP 8.000.000 - 15.000.000; Tempo pieno

Descrizione del lavoro

GoTyme PH (Philippines) is launching a Corporate Lending division focused on Mid-Market. We are seeking a Corporate Lending Head to own structuring and evaluating credit opportunities with high autonomy.

You will report to the B2B Business Unit head, oversee deal pipeline, risk discussions, and set up the division to hit ambitious targets while maintaining sound credit discipline.

Competenze

• 5-7+ years in corporate lending (bank, fintech, or similar institution)
• 20-30 structured deals in mid-market range (2-15M USD)
• Proven track record of sound credit decisions with low default rates
• Experience with SME/Corporate clients (not consumer lending)

Mansioni

• Loan structuring and deal making for mid-market corporate lending
• Evaluate corporate financing opportunities and design loan terms
• Negotiate with clients and prepare term sheets and loan documentation
• Assess credit risk and perform due diligence across industries
• Present deals to the committee and establish governance processes

Conoscenze

Corporate lending

Financial analysis

Credit risk assessment

Negotiation

Communication

Descrizione del lavoro

About GoTyme

GoTyme is a joint venture between the Gokongwei Group, one of the biggest conglomerates in the Philippines, and the Singapore-headquartered digital banking group Tyme. This venture combines the trusted Gokongwei brand, customer base, and distribution ecosystem with Tyme's globally proven digital banking technology and hands-on experience building South Africa's leading digital bank, TymeBank, one of the fastest-growing digital banks in the world today.

At GoTyme, we have embarked on a journey to democratize financial services and bring next-level banking to the Philippines. We seek individuals who share our belief that the game is worth changing, to join our growing team of GoTymers as we build, launch, and scale a bank that empowers all Filipinos to navigate a path to financial freedom.

About the role

GoTyme is launching a new Corporate Lending division focused on Mid-Market. We are seeking a Corporate Lending Head to be the key person structuring and evaluating each credit opportunity. This is a role of high responsibility with real autonomy - not an administrative position.

You will report directly to the B2B Business Unit head and will have:

• Full ownership of the deal pipeline
• Participation in discussions on the division's risk profile
• The ability to set up the division in the best way to achieve goals

What you'll be responsible for

60% - Loan Structuring & Deal Making

• Evaluate corporate financing opportunities
• Design loan terms (tenor, amortization, covenants, pricing, collateral)
• Negotiate with clients and reach commercially viable agreements
• Create term sheets and loan documentation
• Evaluate different structures (secured, unsecured, asset-based, etc.)

35% - Credit Risk & Due Diligence

• Conduct deep credit analysis (financial analysis, industry assessment, management quality)
• Identify and quantify risks (credit, operational, sector, legal)
• Create credit memoranda and risk assessment reports
• Establish covenant policies and monitoring frameworks
• Define exposure limits by sector, client, and product type

5% - Governance & Operations

• Present deals to the respective Committee
• Participate in policy setting for the division
• Establish processes and best practices (new division)
• Provide portfolio performance reports

Must Haves

• 5-7+ years in corporate lending (bank, fintech, or similar institution)
• 20-30 structured deals in mid-market range (2-15M USD)
• Proven track record of sound credit decisions with low default rates
• Experience with SME/Corporate clients (not consumer lending)

Key Skills

• Robust financial analysis (reading financials, stress testing, covenant design)
• Commercial acumen + analytical rigor (ability to close deals and say "no" when needed)
• Independent judgment (comfortable making decisions without consensus when necessary)
• Strong communication skills (reporting to management, negotiating with clients)

Preferred

• Fintech/Digital banking experience
• Knowledge of Philippines/SEA market dynamics
• Basic risk metrics & modeling capabilities