Lending Operations Team Lead

GoTyme PH (Philippines); Quezon City; On-site; PHP 1,200,000 - 1,800,000; Full time

Job summary

GoTyme is hiring a Lending Operations Team Lead to oversee end-to-end management of Salary Loans and Loan Channelling. You will drive accurate loan recording, reconciliation, and settlement while maintaining robust controls and regulatory compliance.

You will lead a cross-functional team, optimize processes, and partner with internal and external teams to ensure timely, compliant outcomes and scalable operation across the lending portfolio.

Qualifications

• 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.

Responsibilities

• 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.

Skills

Lending operations

Disbursement processing

Account-level reconciliation

Settlement

Operational controls

Partner management

Data analysis

Management reporting

KPI monitoring

Process automation

Cross-functional collaboration

Auditing/regulatory support

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