Giám đốc Giải pháp Tín dụng (Head, Digital Lending Solution) - TNEX - 4B064

About the Role
We’re looking for a bold and visionary Head of Digital Lending Product to take our lending business to the next level. You’ll own the strategy and execution of our digital lending portfolio – from personal loans to SME credit and new embedded finance plays. This is a hands-on leadership role where you’ll shape product vision, lead cross-functional squads, and deliver products that redefine how people and businesses access credit.

Key Responsibilities
Product Strategy & Governance
• Define the overall strategy, roadmap, and business case for digital lending products, including personal loans, SME lending, and new digital propositions.
• Ensure all product developments comply with local regulatory frameworks, internal policies, and credit risk standards.
• Monitor market trends, competitive offerings, and regulatory changes to ensure products remain relevant and compliant.

Product Development & Delivery
• Oversee the end-to-end product lifecycle: market research, business case preparation, approval, design, system integration, testing, launch, and post-launch review.
• Partner with Technology, Risk, Compliance, Operations, and Finance teams to ensure seamless delivery and integration of products.
• Maintain clear documentation, governance approvals, and audit trails for all product initiatives.

Portfolio & Risk Management
• Monitor product performance against defined KPIs: origination volumes, approval rates, delinquency, NPL ratios, and profitability.
• Work closely with Credit Risk and Collections teams to ensure effective credit policies and portfolio health.
• Ensure timely and accurate regulatory reporting, MIS, and portfolio reviews.

Leadership & Stakeholder Engagement
• Lead and develop a team of product managers and specialists.
• Act as the key liaison with senior management, regulators, and external partners for all matters relating to digital lending products.
• Provide structured updates to executive committees and governance forums.

• 8–10+ years in product management, with strong lending/credit experience (banking, fintech, or digital platforms).
• Track record of launching and scaling digital lending products (personal loans, SME credit, BNPL, etc.).
• Solid understanding of credit risk, scoring models, and digital underwriting.
• Growth mindset: data-driven, customer-obsessed, and comfortable testing and iterating fast.
• Experience working in agile, cross-functional teams.
• Strong leadership, communication, and stakeholder management skills.
• Bonus: exposure to open banking, alternative data, embedded finance.

QUYỀN LỢI KHI GIA NHẬP TNEX FINANCE

1. Attractive Compensation & Rewards

• Competitive salary aligned with market standards and your capabilities, to be negotiated upon successful completion of the interview process.
• Year-end performance bonus ranging from 2 to 5 months of average annual salary, depending on performance evaluation results.

2. Comprehensive Benefits Package

• Statutory insurance coverage and additional private health insurance for employees.
• Diverse employee benefits, including flexible working hours, company trips, birthday leave, and more.
• Access to employee loan programs with preferential interest rates.

3. Training & Career Development Opportunities

• Structured and in-depth training programs focused on reskilling, upskilling, and new-skilling, tailored to specific job functions.
• Dedicated coaching and mentoring from experienced leaders, direct managers, and industry experts.
• Management development programs for high-potential employees, preparing them for future leadership and managerial roles.
• Strong preference for internal promotions to management positions, creating clear career advancement opportunities.

4. Professional Working Environment & Dynamic Corporate Culture

• A friendly, supportive, and collaborative workplace that values responsibility and teamwork.
• A dynamic and innovative environment that encourages creativity, continuous learning, and improvement.
• Respect for diversity, with a strong emphasis on teamwork and effective collaboration.
• A wide range of cultural, sports, and recreational activities that foster employee engagement and a positive workplace atmosphere.