Lending Business Owner: MoreTyme

Job Purpose

• We are seeking a seasoned financial services professional with demonstrated experience managing a
• consumer lending program. This individual should have a great command of credit strategy
• development and lending product economics. Building on that foundation, the Lending Business
• Owner will own the full product lifecycle and end-to-end P&L for GoTyme’s next-generation lending
• offering—driving sustainable and resilient growth, best-in-class customer experience, and disciplined
• risk management.

Key Responsibilities

• P&L Ownership: Own the P&L for the lending product; set and deliver volume, revenue,

• cost, and loss targets; optimise profitability (risk adjusted returns) through credit risk, pricing,
• fee design, and margin management while always keeping the customer top of mind.

• Credit Risk Management: Own 1st line credit strategies (acquisitions, portfolio management)

• that allow us to optimize growth and customer lifetime value while operating
• within the bank’s risk appetite

• Product Strategy and Development: Work with the Product team to craft the go-to market

• and multi-year product vision, customer value proposition, and agile roadmap; lead
• discovery, prototyping, and iterative releases from concept to scale. Ensure that investments
• are aligned to Tyme group’s multi-country vision.

• Customer Growth & Experience: Drive acquisition, activation, and retention through

• data-driven marketing, UX experimentation, and personalized lifecycle journeys to sustain
• high NPS.

• Cross-Functional Leadership & Governance: Align Legal, Compliance, Finance,

• Operations, Tech, and Marketing to hit launch and portfolio milestones; present business cases
• to ExCo, credit committees, and regulators.

• Data-Driven Decision Making: Institutionalise OKR dashboards, test-and-learn agendas,

and cohort analytics; socialise insights for rapid course-correction.

• Team Building & Mentorship: Recruit, coach, and inspire a multidisciplinary squad of

• product, credit, marketing, operations teams to support lending initiatives; foster GoTyme’s
• culture of “hunger & humility.”

• Innovation & Continuous Improvement: Scout fintech trends, embedded-lending plays,

and alternative-data partnerships to keep GoTyme at the front of consumer credit innovation.

Key Performance Indicators (KPIs)

• Portfolio profitability (Risk-adjusted margin, Net interest margin, Net Present Value, Return

on Equity)

• Growth (Disbursements #/PHP, Outstandings, Penetration)
• Risk & Capital (Credit losses #/PHP %, Loss Coverage Ratio, Capital Adequacy)
• Execution (On-time delivery, Flawless execution, Experimentation)

Job Specification

Qualifications

• Bachelors degree or higher in applied mathematics, finance, statistics,

• computer science, physics, data science, engineering or any other
• quantitative discipline

• Master’s degree is preferred

Professional Qualification and/or Regulatory, Licensing requirements (if any)

• Relevant experience or diplomas, certificates or completed training

courses.

• CFA, FRM, PMP is a plus.

Relevant Work Experience

• 5+ years in the financial services industry at a top-tier bank or fintech

(e.g. Capital One, Nubank, etc.)

• Proven track record of launching, scaling, and managing credit

products

• Experience managing lending program P&L and credit risk and

leveraging data and analytics to inform decisions

• Hands on experience working with, manipulating and analyzing large

• datasets using programming languages such as SQL, R, SAS, Python,
• etc.

• Evidence of leadership and managerial skills, with a track record of

building and leading high-performing analyst teams.

• Interpersonal and communication skills, with the ability to engage,

collaborate, and influence stakeholders at all levels of the organization.

Required Competencies and Skills

Competencies/Skills (Essential to succeed in this job)

• Analytical & Strategic Thinking: Turns white-space ideas into

• quantified opportunities; Adept at financial modelling and scenario
• analysis.

• Domain Expertise: Deep knowledge of local market/consumer

• behavior, credit-lifecycle levers (acquisition through collections) and
• retail-bank P&L mechanics.

• Technical & Digital Savvy: Expert in testing platforms, and agile

• tooling; fluent in conversations with business, credit, data scientists
• and engineers.

• Communication & Influence: Distills complex trade-offs for

• senior execs; drives alignment across risk, tech, and commercial
• teams.

• Adaptability & Innovation: Thrives in fast-moving, ambiguous

• settings; constantly hunts for new data sources, partners, and GTM
• models.

• Leadership & Talent Development – Builds high-performing,

• purpose-driven teams; embodies GoTyme’s values in everyday
• decision-making.