Chief Innovation Officer

tolaram pte. ltd.; Singapore; On-site; SGD 350,000 - 600,000; Full time

Job summary

Tolaram Pte. Ltd. seeks a Managing Director, Fintech & Infrastructure to lead the group’s digital lending and fintech platform across markets.

You will shape strategy, oversee product launches, and champion technology-enabled credit decisioning and customer journeys. The role requires a proven track record in senior leadership within digital lending or fintech, and experience partnering with banks, fintechs, and technology providers.

Qualifications

• Senior leadership experience in digital lending or fintech platforms.
• Proven ability to build or scale digital lending/online lending platforms.
• Strong understanding of credit lifecycle and regulatory requirements in digital financial services.

Responsibilities

• Develop and execute strategy for the Group’s digital lending and fintech platform across markets.
• Build and launch new digital lending products and optimize onboarding, credit assessment and servicing.
• Drive AI, data analytics, automation to improve credit decisions and customer experience.
• Identify new revenue opportunities, partnerships with banks, fintechs and technology providers.
• Establish scalable processes and monitor KPIs to drive growth, efficiency and profitability.
• Ensure compliance with financial services, data protection and regulatory requirements.
• Engage senior leadership to present opportunities and investment proposals.

Skills

Digital lending

Fintech/Fin banking

Leadership

Strategic partnerships

Regulatory & governance

Stakeholder management

AI & data analytics

Credit lifecycle

Job description

ABOUT TOLARAM

Tolaram is a Singapore enterprise focused on investing in emerging market opportunities that propel growth and elevate communities. Since1948, we have grown into a conglomerate that spans Asia, Africa, Europe. We build trusted brands in consumer goods, fintech, infrastructure and industrials. Our global partners include Indofood, Arla, Kellanova, Colgate-Palmolive and Diageo.

Weare committed to responsible stewardship and seamlessly integrate with local communities wherever we operate. Our stakeholders share a vision of building a business that continuously extends its reach while positively impacting those around us. Tolaram celebrated its 75th year in 2023.

KEY RESPONSIBILITIES

• Strategy & Growth: Develop and execute the strategy for the Group’s digital lending and fintech platform, identifying opportunities across markets, customer segments and products.
• Digital Lending & Product: Build and launch new digital lending products and improve the end-to-end customer journey, from acquisition and onboarding through credit assessment, approval, disbursement and servicing.
• Technology & Innovation: Drive the use of AI, data analytics, automation, alternative data and digital technologies to improve credit decisioning, customer experience and operational efficiency.
• Commercial Growth: Identify new revenue opportunities, business models and distribution channels, and develop strategic partnerships with banks, fintechs, payment providers, credit bureaus and technology companies.
• Operations & Performance: Establish scalable processes and monitor commercial and operational KPIs to drive growth, efficiency and profitability.
• Regulatory & Governance: Ensure products and operations comply with applicable financial-services, lending, data protection and regulatory requirements.
• Senior Stakeholder Management: Work closely with senior management and business leaders to turn new ideas into commercially viable products and present strategic opportunities and investment proposals to leadership.

SKILLS

We are looking for a senior leader with a strong track record in digital lending, fintech, digital banking or financial technology, ideally with:

• 10+ years of experience in senior management roles.
• Proven experience building or scaling digital lending, online loan or financial-services platforms.
• Strong understanding of the digital lending lifecycle, including customer acquisition, onboarding, KYC, credit assessment, underwriting, decisioning, disbursement and collections.
• Experience with AI, data analytics, automation and technology-enabled credit decisioning.
• Experience working with banks, fintechs, payment providers, credit bureaus and technology partners.
• Good understanding of regulatory, risk and governance requirements in digital financial services.
• Strong leadership, stakeholder management and strategic partnership skills.

Experience solely in general IT, digital transformation, fintech strategy, or traditional banking, without direct digital lending platform experience, will not meet the requirements for this position.

REPORTING

Managing Director, Fintech & Infrastructure