MSME Lending Head (Circle Lead)
Jakarta
MSME – MSME Business Operation Function /
Full-time - Permanent /
On-site
Responsibilities
- Oversee and directly manage end-to-end operations for MSME banking products, including hands-on involvement in lending underwriting and funding processes.
- Proactively ensure all operational workflows are smooth, efficient, and tightly safeguarded against fraud through daily oversight and intervention when necessary.
- Develop, implement, and enforce SOPs by working closely with teams on the ground to standardize workflows and ensure compliance in practice, not just on paper.
- Continuously refine processes by actively engaging in root-cause analysis and hands-on problem-solving to enhance efficiency and reduce turnaround times.
- Drive the adoption of digital tools and automation by collaborating with teams on implementation and integration, ensuring practical alignment with daily operations.
- Monitor operational performance through hands-on tracking of key metrics, providing actionable insights and reporting directly to senior management.
- Lead by example in mentoring and working alongside the operations team, fostering a culture of accountability, performance, and problem-solving.
- Collaborate deeply with product, risk, compliance, and customer service teams by addressing issues on the ground and aligning strategies to operational realities.
- Champion customer-focused operations by working closely with frontline teams to ensure a seamless, responsive, and positive user experience.
- Stay actively updated on regulatory requirements, translating them into practical, day-to-day compliance measures across all operations.
- Identify and execute innovations by staying engaged with operations, seeking opportunities for improvement, and driving changes to support business growth.
Requirement
- 7-10 years of experience in banking operations, with a focus on MSME, lending, or funding products.
- Expertise in managing large operation in asset-based lending and appraisal is a strong advantage
- Proven ability to design and improve operational processes and SOPs.
- Experience with digital transformation and process automation.
- Strong leadership, problem-solving, and analytical skills.
- Bachelor’s degree in Business Administration, Finance, Engineering, and Science or a related field; a master’s degree is a plus.
