Operations Director

Pledge Fund Lending Corp.; Quezon City; On-site; PHP 781,000 - 893,000; Full time

Job summary

Pledge Fund Lending Corp. is seeking an executive-level Operations Director to oversee, streamline, and scale end-to-end operations across Luzon, Philippines. You will lead branch networks, field evaluation, underwriting, and collections with a focus on operational excellence.

The role is on-site in Quezon City, offering a monthly salary of PHP 70,000–PHP 80,000, depending on qualifications and experience, and supporting expansion into franchise, solar, asset-backed EV, and OFW loan products.

Qualifications

• Bachelor’s degree in Business Administration, Finance, Economics, or Banking (MBA preferred).
• 8–10 years of progressive leadership in lending, microfinance, banking, or fintech.
• 5+ years in a senior managerial capacity overseeing multi-branch or nationwide operations.

Responsibilities

• Strategic Leadership & Operational Scaling: design and execute strategies for new branches and product lines.
• Underwriting governance and portfolio quality across SME, consumer, and OFW markets.
• Collections, recovery, and legal/escalation workflows to ensure compliant, ethical practices.

Skills

English

Tagalog

Stakeholder management

Strategic leadership

Education

Bachelor’s degree in Business Administration, Finance, Economics, or Banking

MBA (preferred)

Tools

LMS

CRM systems

Payment gateways (Gash, Maya, PesoNet, InstaPay)

Job description

Operations Director

(Lending & Fintech Operations)

About the Role:

We are seeking an executive-level Operations Director to oversee, streamline, and scale our end-to-end operational framework across Luzon, Philippines.

Reporting directly to the President, you will drive operational excellence across branch networks, field evaluation, underwriting, and collections.

This on-site role in Quezon City offers a monthly salary of PHP 70,000 – PHP 80,000, depending on your qualifications and experience.

You will play a pivotal role in leading our expansion into innovative credit products like franchise, solar, asset-backed EV, and OFW loans.

Key Responsibilities

Strategic Leadership & Operational Scaling

Expansion Strategy:

Design and execute operational strategies for new branches and niche credit products.

Partner Management: Interface with and manage relationships with strategic channel partners

SOP Optimization: Review, refine, and design standard operating procedures for loan workflows and collateral management.

KPI Monitoring:

Track metrics like Loan Disbursement Volume, Turnaround Time (TAT), PAR, NPL, and Recovery Rates.

Corporate Alignment:

Collaborate with executive leadership to translate corporate targets into field-level goals.

Credit Evaluation & Portfolio Quality

Underwriting Governance: Enforce robust underwriting policies for SME, consumer, and OFW markets with the Credit Committee.

Field Verification:

Oversee credit investigation (CI) processes and background checks conducted by field teams.

Bureau Integration: Interface with credit bureaus (e.g., CIBI, TransUnion) to maximize risk assessment health.

Risk Detection: Analyze portfolio trends to detect early default risks and implement tight operational controls.

Collections & Default Management

Recovery Drive:

Direct field and remedial management teams to hit aggressive recovery targets.

Legal Escalations: Recommend structured legal and field escalation workflows for delinquent accounts.

Ethical Compliance: Guarantee ethical, respectful, and legally compliant collection practices across all branches.

Regulatory Compliance & Governance

SEC Compliance:

Adhere strictly to guidelines under the Lending Company Regulation Act (RA 9474).

Data Privacy: Guarantee strict compliance with the Data Privacy Act of 2012 (RA 10173).

AMLC Mandates: Maintain rigid AMLC compliance, including KYC verification and suspicious transaction reporting.

Team Leadership & Capability Building

Cross-Functional Management:

Oversee Area Managers, Branch Managers, Account Officers, and dedicated product managers.

Performance Culture: Build a corporate culture focused on accountability, ethics, and customer-centric service.

Training Initiatives: Identify skill gaps and partner with HR to deploy continuous capability-building programs.

Process Optimization & Technology Integration

Digital Transformation: Drive adoption or upgrades of Loan Management Systems (LMS), mobile collection apps, and automated scoring.

Bottleneck Elimination: Shorten approval turnaround times without compromising asset quality.

Qualifications & Skills Required

Education & Experience

Academic Background:

Bachelor’s degree in Business Administration, Finance, Economics, or Banking (MBA preferred).

Industry Experience:

Minimum 8–10 years of progressive leadership experience in lending, microfinance, banking, or fintech.

Leadership Tenure:

At least 5 years in a senior managerial capacity overseeing multi-branch or nationwide operations.

Track Record:

Proven success scaling lending portfolios or expanding branch networks across Metro Manila and Luzon.

Core Competencies

Regulatory Expertise:

Deep understanding of SEC guidelines, NPC rules, and AMLA requirements.

Credit Analysis:

Strong background in SME/consumer credit underwriting and field CI.

Collections Strategy:

Demonstrated experience managing early-to-late-stage collections locally.

Mobility & Language:

Exceptional communication skills in English and Tagalog, with willingness to travel across Luzon.

Fintech Literacy:

Familiarity with modern LMS, CRMs, and payment gateways (Gash, Maya, PesoNet, InstaPay).

Success Metrics (KPIs)

Portfolio Health:

Maintenance of PAR and NPL ratios within strict target limits.

Turnaround Time: Significant reduction of loan processing cycles across product lines.

Collection Efficiency:

High recovery rates across active and past-due accounts.

Audit Ratings:

Consistently high compliance scores across all branch operations.