Lending Operations Team Lead

GoTyme PH (Philippines); Quezon City; On-site; PHP 1,200,000 - 2,100,000; Full time

Job summary

GoTyme PH (Philippines) is seeking a Lending Operations Team Lead to oversee the end-to-end management of Salary Loans and the Loan Channelling function. You will ensure accurate recording, reconciliation, and settlement, while driving service excellence and robust regulatory compliance.

You will lead a team, implement maker-checker controls, and partner with internal and external stakeholders to scale lending operations with strong controls and automation.

Qualifications

• Experience in lending operations and familiarity with disbursement and settlement.
• Ability to design, test, and implement controls in lending processes.
• Proven track record of improving efficiency through automation and workflow improvements.

Responsibilities

• Oversee Lending Operations team handling Salary Loans and Loan Channelling.
• Establish ownership, maker-checker controls, and service standards.
• Ensure complete loan-level and transaction-level records through reconciliation of core banking data and partner reports.
• Monitor reconciliation breaks, unusual movements, and operational exceptions; drive investigations and resolutions.
• Manage partner performance, funding requirements, and settlement obligations per SLAs.
• Collaborate with internal teams and external partners to deliver compliant, timely outcomes.
• Provide management reporting on volumes, turnaround times, reconciliation status, incidents, risks, and partner performance.
• Support audit, regulatory requirements, and drive automation to reduce manual work and strengthen controls.

Skills

Lending operations

Disbursement processing

Account reconciliation

Regulatory knowledge

Automation and process improvement

Data analysis & reporting

Stakeholder management

Attention to detail

Education

Bachelor's degree in Finance or related field

Job description

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

We're seeking a Lending Operations Team Lead to oversee the end-to-end operational management of our lending products, ensuring accurate, timely execution throughout the loan lifecycle. In this role, you'll manage our portfolio of Salary Loans—overseeing loan disbursement reconciliation, loan recording, account-level roll-forwarding, and collection settlement—while operationalizing our Loan Channelling function across recording, reconciliation, and settlement processes.

As a key operational leader, you'll drive service delivery excellence, maintain robust controls and regulatory compliance, and spearhead continuous process improvements across the lending portfolio. You'll partner with internal teams and external stakeholders to resolve issues strategically, champion automation initiatives, and serve as a subject matter expert on lending operations best practices for our broader organization.

• Manage and develop the Lending Operations team responsible for Salary Loans and Loan Channelling
• Establish clear ownership, maker-checker controls and service standards
• Ensure complete and accurate loan-level and transaction-level records by reconciling core banking data, partner reports and Finance balances
• Monitor reconciliation breaks, unusual movements and operational exceptions; ensure timely investigation, escalation, resolution and documentation
• Manage partner performance, funding requirements and settlement obligations in accordance with agreed service levels and operating procedures
• Collaborate with internal teams and external partners to deliver timely, compliant outcomes
• Provide management information and operational reporting on volumes, turnaround time, reconciliation status, incidents, risks and partner performance
• Support audit, risk and regulatory requirements
• Drive automation and process improvements that reduce manual work, strengthen controls, and improve scalability and customer experience

Must Haves

• Bachelor's degree in Finance or related field
• Relevant experience in lending operations
• Strong background in disbursement, repayment processing, account-level reconciliation, settlement, operational controls and partner management
• Working knowledge of Philippine lending regulations and practices
• Experience launching or transitioning lending products, including process design, testing, control implementation and go-live support (preferred)
• Operational risk management, maker-checker controls, audit remediation and regulatory support
• Data analysis, management reporting and KPI monitoring
• Process improvement and automation
• Cross-functional stakeholder management
• Strong analytical thinking, attention to detail and sound judgment